If you frequently convert purchases to EMI, which SC card offers the cheapest EMI rates to save money?
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SC doesn’t have a fixed EMI rate—it varies by card and offer. Generally, SC Ultimate and Smart cards have the lowest starting EMI rates (13-15% per year). SC also runs special EMI deals where rates drop for specific transactions. Verdict: If you use EMI often, get a premium SC card (Ultimate, Smart) or check active EMI offers for the best rates. Your final interest rate depends on your credit score and bank promotions.