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Credit Card

Credit card EMI conversion is when your card issuer turns a large bill or purchase into fixed monthly instalments over a set tenure, usually at 12-18% interest, instead of letting it sit as revolving debt at 36-42%.

By Mohit Juneja | 13 August 2026

Balance Transfer

RBL Balance Transfer lets eligible borrowers move outstanding credit-card dues or refinance an existing personal loan with RBL, potentially at different repayment terms or a lower rate. It works differently depending on what you're transferring: card dues convert to a fixed EMI, an approved personal-loan transfer can replace an existing loan with a new RBL loan. It doesn't clear your debt, it changes who you owe and on what terms.

By Mohit Juneja | 13 August 2026

CIBIL Score

Experian vs CIBIL score comes down to one direct answer: no, they're not the same number, even though both are generally quoted on a 300 to 900 scale, per RBI's licensed bureaus. Experian and TransUnion CIBIL are 2 separate, RBI-licensed credit bureaus, each running its own scoring model on slightly different data, so the same person can show a different number on each.

By Mohit Juneja | 13 August 2026