Minimum Amount Due TrapA small due today can become years of repayment.
Select an Indian card or enter the rate from your statement. The calculator rolls the balance forward month by month, adds finance charges and GST, and shows whether the chosen payment pattern can actually clear the debt.
✓ No statement upload✓ No balance saved automatically✓ Interest and GST separated✓ New-spend warning
What the number means
Minimum due protects account status, not your wallet
Paying at least the minimum amount by the due date can prevent an immediate missed-payment classification, but it does not mean the statement has been repaid. The unpaid portion can attract finance charges. GST can then apply to those charges, and the card’s interest-free period may be affected. This calculator repeats that cycle so a short-term choice becomes visible as a total repayment path.
The first modelled minimum uses the percentage and floor you enter. Issuers may instead include instalments, fees, over-limit amounts, taxes or a fixed share of principal. Treat the amount printed on the latest statement as controlling.
A safer test
Set new purchases to zero first
Continuing to spend while revolving a balance can make the payment plan stall or grow. First enter zero for new monthly purchases, then add an affordable fixed extra payment. Compare the time and finance cost again. If the model still does not clear within 50 years, the result is shown as unresolved instead of presenting a false payoff date.
Actual charges can differ because interest may be calculated from transaction dates, rates can change and fees may apply. Contact the issuer early if repayment is difficult; do not use this educational estimate as a substitute for an agreed repayment plan.