Late Payment Impact

Missed your credit card due date? Calculate the severe financial penalties including fixed late fees, daily interest rates, and GST.

Statement Balance Unpaid

Even paying ₹1 less than the full amount triggers interest on the FULL amount in India.

Days Past Due Date

Standard Late Fee (₹)

Based on slab (e.g. ₹500 for Bal 5k, ₹750 for 10k, ₹1300 for 50k+).

Monthly Interest Rate (%)

Check your statement. Usually 3.5% to 4% per month.

Estimated Days Since Transaction

Interest is charged from the date of purchase, usually 20-40 days before due date.

Total Estimated Penalty

₹2,514

This is the extra amount you pay just for being 10 days late.

Late Payment Fee

Fixed Late Fee₹750

18% GST₹135

Total Late Fee₹885

Finance Charges (Interest)

Estimated Interest₹1,381

18% GST on Interest₹249

Total Interest₹1,629

New Statement Balance

Your original balance plus all late fees, interest, and GST applied. (Does not include any new purchases).

The Double Trouble Rule

When you miss paying the TOTAL balance on a credit card in India:

You lose your interest-free grace period on ALL transactions.
Interest is calculated retroactively from the date of every individual purchase, not from the due date.
Any new purchases you make tomorrow will be charged interest from day 1, until your entire past balance is cleared.

Loading calculator…