CosmicCat
TF Legend
On 17th June, 2025, I bought an electronic appliance from Croma using my Tata Neu Infinity credit card and chose the Low-Cost EMI for 6 months to get around ₹6,000 instant discount, whose summary is as follows:
The total amount debited from my card was ₹37,613.33.
As I'm aware, HDFC provides only 1.5% NeuCoins instead of 5% on only the principal amount (even if it's a Tata brand) once the amount is converted to EMI.
On 20th June, the whole amount (₹37,613.33) was shown as a credit in the statement and converted to EMI, whose summary is as follows:
The total amount that I would have paid after 6 months would be ₹39,747.62 inclusive of GST on the interest amount.
I noticed that if I pre-close it, the whole amount to be chargeable would be as follows:
I want to know:
1. Whether I would get 5% NeuCoins (reward points) if I pre-close this EMI or not (on the amount ₹39,319.64)?
2. How does the pre-closed EMI look like in the statement? Does it mention the name of the merchant?
3. Would it be beneficial if I pre-close it now? I used the EMI option to only get the instant discount.
The total amount debited from my card was ₹37,613.33.
As I'm aware, HDFC provides only 1.5% NeuCoins instead of 5% on only the principal amount (even if it's a Tata brand) once the amount is converted to EMI.
On 20th June, the whole amount (₹37,613.33) was shown as a credit in the statement and converted to EMI, whose summary is as follows:
The total amount that I would have paid after 6 months would be ₹39,747.62 inclusive of GST on the interest amount.
I noticed that if I pre-close it, the whole amount to be chargeable would be as follows:
I want to know:
1. Whether I would get 5% NeuCoins (reward points) if I pre-close this EMI or not (on the amount ₹39,319.64)?
2. How does the pre-closed EMI look like in the statement? Does it mention the name of the merchant?
3. Would it be beneficial if I pre-close it now? I used the EMI option to only get the instant discount.
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