Does using debit card EMI impact your credit score? Here’s what you should know

With more banks offering “debit card EMI” options at checkout, many people wonder if this feature works like a credit card EMI — and whether it affects their credit score. The answer depends on how your bank structures the EMI and whether it reports the loan to credit bureaus like CIBIL or Experian.

What is a debit card EMI?

A debit card EMI lets you convert your purchase into monthly instalments even when you don’t use a credit card. It’s offered by banks like HDFC, SBI, Axis, and ICICI in partnership with merchants. The bank checks your transaction history and pre-approves you for an EMI limit. The amount is automatically deducted each month from your savings account.

Does it affect your credit score?

In most cases, a debit card EMI doesn’t directly impact your credit score because i