These credit card purchases cannot be converted into EMIs

Converting credit card expenses into equated monthly instalments (EMIs) helps a user make high-priced purchases without burning a hole in their pocket. Users are allowed to convert their entire bill or a part of it into EMIs. Generally, credit card issuers allow customers the option to convert the dues for any transaction above a threshold value into EMIs, at a lower interest cost and for a comfortable tenure. The facility can also be availed by those who cannot make immediate repayment prior to the due date. The option is available on a variety of items that can be purchased using a credit card such as electronic devices, travel expenses, clothes, lifestyle related expenses and insurance expenses.

While the EMI conversion facility seems to be a winning proposition for card users, it is not available on all big-ticket purchases.