The interest rate that is charged on revolving dues of a credit card, can go typically up to 42% per annum, if you do not pay off the total dues by the due date. This is why many people covert their spends into EMIs. Moreover, due to various deals on offer many people opt for credit card EMI as payment option at the time of purchase. However, what if we tell you pay 18% more on interest amount and the story is no different in case of No Cost EMI . Read on to know how.