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Credit card interest calculator (paid after the due date)
What a missed or partial payment costs: finance charges at the card's monthly rate, GST on the charge and the late-payment fee slab.
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Frequently asked questions
What happens if I pay the minimum amount due?
You avoid the late fee but not the interest: finance charges of about 3.5–3.75% a month (42–45% a year) apply on the full outstanding from each transaction date, plus 18% GST on the charge, and new purchases lose their interest-free period until you clear the balance in full.
How much is the late payment fee?
Slabbed by outstanding: typically nil up to ₹100–₹500, then ₹500 to ₹1,300 as the balance rises (SBI Card charges ₹1,300 above ₹50,000). The calculator uses a common slab; check your card's tariff sheet.
Does paying late affect my credit score?
Payments over 30 days late are reported to the bureaus and stay on the report for years. Paying in full by the due date is the single biggest factor in the score.