T&C – EMI processing may take upto 8 working days. In case the total amount due has not been paid in full, finance charges as applicable (currently, between 3.50%- 3.60% per month i.e. 42-43.2% annualized) on card balances may apply until the EMI is converted & posted to the card. Latest rates are available at https://www.online.citibank.co.in/portal/newgen/cards/tab/creditcards_tc.htm