Best Long Duration Debt Cards India - 2025 Guide
In the context of handling personal or business finance, the long term debt card has become a desired product in India particularly among individuals who require longer repayment period, incentives and variable limits. This paper provides a comprehensive view of the top long term credit card in India in 2025, so that when it is time to borrow next year, you will have all the information needed to make the right borrowing choice.
Long-term debt and credit cards, charge, and BNPL cards enable the consumer to obtain money on a longer term. They are equipped with certain features including high credit limit, reduced interest charged on revolving balance, and added flexibility which make them an ideal match to both the salaried and self employed. The decision on which card to use does not only influence the level of comfort in repayment but also the overall cost of borrowing.
What are Long Duration Debt Cards and Who Should Look at them?
Long duration debt cards are a kind of financial products which allow users to borrow or buy something and pay after a long period of time usually not more than 24 months or even 36 months without large prepayment fees. Such cards have been launched by multiple large Indian banks and fintech corporations to serve their users with different liquidity requirements and spending habits.
These are cards that are appropriate in:
- Employees having substantial monthly payments.
- Gentlemen who want revolving credit as owners of small businesses.
- Young earners and students who want to establish their credit profile.
- People looking to buy something big such as electronics or travel.
Key Features:
- High credit limits
- Affordable payment rate (12 to 36 months)
- EMI conversion on massive expenditure.
- Reduced interest rates than normal credit cards.
Pros:
- Relieves large ticket buying burden.
- Improves cash flow planning
- Will be able to establish good credit score when he uses it wisely.
Cons:
- May carry joining fees or annual fees.
- Increased interest is added to the total interest taken over a long period when balances are not made in time.
People also ask:
Q. Do first time borrowers use long duration debt cards?
Yes, now lots of lenders accept the first timers but some could demand evidence of income or security deposit.
Did you know?
Most NBFCs also collaborate with the online shopping platforms to pre-authorize the buyers to purchase long term debt cards immediately they make their purchases providing them with instant credit.
Comparison of the top long-duration debt cards in India in 2025.
Comparison The comparison between the features of cards will assist you in knowing what will perfectly match your requirements. This is a comparison of the top long tenure debt card in India based on the information up till May 2025:
| Card Name | Maximum tenure (months) | APR (percent) | credit limit | EMI conversion fee | annual fee. |
|---|---|---|---|---|---|
| HDFC MoneyBack+ Debt Card | 36 | 16.5 - 23.9 | [?]2 lakh - [?]8 lakh | 1 percent | [?]500 |
| <|human|>HDFC MoneyBack+ Debt Card | 36 | 16.5 - 23.9 | [?]2 lakh - [?]8 lakh | 1 percent | [?]500 |
| ICICI Platinum Duration | 24 | 15.9 - 22 | [?]1,000 - [?]7,000 1.5 percent | ||
| SBI FlexiPay Card | 24 | 17 - 24.2 | 75, 000 - 5 lakh | 2 percent | Nil in the 1 st yr. |
| Axis bank MyZone Plus | 18 | 18.5 - 25 | Up to [?]6 lakh | 1.75 percent | [?]500 |
| Paytm Postpaid+ Card | 24 | 17.99 - 26 | [?]10, 000 - [?]3 lakh | 0.99 percent | Nil |
Highlights:
- Best tenure: HDFC MoneyBack+ (36 months)
- More affordable APR: ICICI Platinum Duration (15.9 percent)
- None of the annual charges: Paytm Postpaid+ and SBI FlexiPay (first year).
What is Unique about HDFC MoneyBack+ Debt Card?
The MoneyBack+ card by HDFC has the highest tenure, flexible EMIs, as well as comparatively good interest rates. This card is appropriate to people who are more concerned with the reduced monthly outgo as it offers up to three years repayment on large scale transactions.
Key Features:
- Cashback on necessary expenditure.
- Complimentary EMI on selected partners.
- More expedited clearance of customers of HDFC.
Pros:
- Longest possible repayment period.
- Several merchant associations.
- Convenient to regular shoppers and travelers.
Cons:
- This annual fee is applicable after the first year.
- Categorical limits on cashbacks.
People also ask
Q. Does credit score matter in HDFC long duration cards?
The highest tenures normally require a credit score of higher than 720.
Expert insight:
Financial advisor Rishabh Mehrotra states that long term cards that have inbuilt insurance coverage would take off in response to the increasing healthcare expenses and consumer awareness of their risks in India.
What is the Comparison of ICICI Platinum Duration Card in terms of eMI Flexibility?
ICICI Platinum Duration Card promises borrowers a moderate tenure and a low initial interest rate and is perfect to the salaried or self-employed professional individuals who desire low EMIs on monthly expenses.
Key Features:
- EMI plans from 3 up to 24 months
- Loan-on-card facility on demand.
- Waiver on fuel surcharge
Pros:
- EMI Conversion of online and offline payments.
- Reduced interest rates in high credit score.
- Free coupons and discounts with partners.
Cons:
- No category of annual fee waived.
- Linking benefits based on spend threshold.
People also ask:
Q. Is it possible to convert the current credit cards debts in ICICI to EMI?
Yes, through balance transfer and on demand EMI scheme at competitive rates.
Did you know?
According to the RBI consumer trends in 2024, more than 30 out of 100 new credit cards issued in India contained some form of extended time or BNPL add on.
Why should the SBI FlexiPay Card be used to be Transparent?
Long term borrowing can now be conveniently made by SBI FlexiPay Card through transparent and upfront pricing plus broadest acceptance. Users who appreciate no hidden fees and easy conversions of EMI are better suited to using it.
Key Features:
- Evident EMI rates evident in the transactions.
- Debiting of loan into account instantaneously.
- Nil first year annual fee.
Pros:
- Repayment up to two years.
- Open cost system at the outset.
- Partnership access to SBI Card schemes.
Cons:
- EMI charges are more on small transactions.
- Unattractive rewards in comparison with the private bank cards.
Which Benefits Does The Paytm Postpaid+ Card Have Digital Natives?
With the growing digital payments, the Postpaid+ Card of Paytm offers a hassle free, all-app based experience. It suits individuals who want to be integrated with online wallets and no yearly fees.
Key Features:
- Straight away credit line through Paytm application.
- No paper or branch visits
- 24 months installment payment plans.
Pros:
- No membership fees or subscription fees to the majority of users.
- Real time split bills with friends.
- Expansive acceptance by merchants on the internet.
Cons:
- Reduced credit limits to new users.
- High interest rates in case of dues not paid after due date.
Expert insight:
A survey by EY India revealed that more than 50 percent of Gen Z and millennial cardholders would like cards connected to wallet apps to be able to monitor them and plan monthly better.
People also ask:
Q. Is Paytm Postpaid+ Card accepted on international purchases?
International payments are now restricted but are projected to grow towards the end of 2025.
How to Select the most effective Long-term Debt Card?
The choice of appropriate long tenure debt card will be based on pattern of spending, ability to repay and need features. The following are some of the points to consider:
- Tenure flexibility: Choose the cards with a minimum of 18 to 36 months of tenure in case of high-value purchases.
- Annual fees and processing fees Annual fees Can you find no annual fees or waivers on these fees? No annual fees? Check the offering of no annual fees or annual fee waivers. Processing fees? See Can you find no annual fees or waivers on these fees?
- EMI conversion requirements: There are cards that only allow EMI facility to spends over a specific amount or only on a restricted set of merchants.
- APR and penalty structure: Long-term users would benefit when the interest rates are low. Late fees may be accumulative, hence check policy.
Useful tips:
- The EMIs should be paid in advance to prevent compounding interest.
- Use credit cards that come with built-in insurance or buy protection of large purchases.
- Compare offers when banks usually reduce eligibility during festive sales.
People also ask:
Q. Will turning all my purchases into EMI have any impact on my credit rating?
It will not reduce your score provided that the payments are made on time, but the high usage of the full card may increase your credit utilisation ratio.
Did you know?
Most banks permit pre-closing EMIs plans devoid of an additional fee, but when done early enough, the cumulative interest paid may drop to less than half on 24-year terms.
TL;DR or Quick Recap
- India today has long period debt cards with up to 36 months tenure, easier EMIs, and loan flexibility in making large purchases.
- Major credit cards are HDFC MoneyBack+, ICICI Platinum Duration, SBI FlexiPay, Axis MyZone Plus and Paytm Postpaid+.
- The decision on which card to choose will depend on how much flexibility you require when it comes to the tenure, the APR, limits, and annual fee.
- Apply EMI in a responsible manner and ensure that all the terms are checked.
People Also Ask (FAQs)
What are the key advantages of the long tenure debt cards?
They assist to redistribute payments over a more extended period lower monthly outlay and raise the buying strength of people who have regular earnings.
Are longer terms necessarily accompanied by greater aggregate interest outflow?
Yes, when you only put in the minimum dues, the longer the terms the more the total interest that will be given. They offer however, breathing space in cash flow.
Should one have a CIBIL score to get these cards?
Most issuers will only consider 700 CIBIL score as a minimum requirement but secured options are offered to those with poor credit.
Is it possible to transfer the outstanding debts to a new long term debt card?
Banks are also providing balance transfer EMI plans where you can transfer the high interest card dues to lower tenure cards at special rates.
Are the prepaid cards covered under long duration debt cards?
No, there is no borrowing in prepaid cards; and only credit or BNPL cards have long tenure features.
Sources
- The banking trends 2024 in RBI
- ET Wealth
- HDFC/ICICI/SBI/Paytm official card portal.
