Smartphone EMI Installment Calculator
Plan monthly credit card installments across leading banks in Bangladesh
Easily estimate your equal monthly installment (EMI), interest charges, and bank processing fees before purchasing an official smartphone from brand outlets, Pickaboo, or Daraz.
Calculate Monthly Installments
Monthly Installment (EMI)
৳5,833
Payable every month for 6 months
Total Interest Charges
৳0
Zero interest applied
Total Net Payable
৳35,000
Inclusive of ৳0 processing fees
Leading Bangladeshi Banks Offering 0% Smartphone EMI
Most authorized electronics showrooms (Transcom, Gadget & Gear, Pickaboo, Daraz Mall) provide 0% interest EMI on credit cards issued by the following banks:
| Bank Name | Available 0% Tenures | Min. Purchase (BDT) | Average Processing Fee |
|---|---|---|---|
| City Bank (American Express) | 3, 6, 9, 12, 18, 24 Months | ৳5,000 | 0% (Selected Outlets) |
| Standard Chartered Bank (SCB) | 3, 6, 12, 18 Months | ৳10,000 | 0% |
| BRAC Bank | 3, 6, 12 Months | ৳5,000 | 0% |
| Eastern Bank PLC (EBL) | 3, 6, 12 Months | ৳5,000 | 0% |
| Dutch-Bangla Bank (DBBL) | 3, 6, 12 Months | ৳5,000 | 0% - 1% |
| Mutual Trust Bank (MTB) | 3, 6, 12 Months | ৳5,000 | 0% |
How Does Credit Card EMI Work in Bangladesh?
- Available Credit Limit: Your credit card must have an unutilized limit equal to or greater than the full purchase price of the smartphone.
- Swipe at POS or Online Checkout: Select the EMI tenure (e.g. 6 or 12 months) directly at the showroom POS machine or choose "EMI" during online checkout.
- Temporary Block: The bank temporarily blocks the full phone price from your credit limit.
- Monthly Billing: Every month, only the installment amount (e.g. ৳5,833) appears on your regular monthly credit card bill statement. As you pay each installment, that portion of your credit limit is restored.