Smartphone EMI Installment Calculator
Plan monthly credit card installments across leading commercial banks in Bangladesh (2026)
Estimate your equal monthly installment (EMI), interest charges, and bank processing fees before purchasing an official smartphone from brand outlets, Transcom, Gadget & Gear, Pickaboo, or Daraz Mall.
Calculate Monthly Installments
Monthly Installment (EMI)
৳5,833
Payable every month for 6 months
Total Interest Charges
৳0
Zero markup applied
Total Net Payable
৳35,000
Inclusive of ৳0 processing fees
Leading Bangladeshi Banks Offering 0% Smartphone EMI
Most authorized mobile showrooms in Bangladesh (Transcom, Gadget & Gear, Pickaboo, Daraz Mall) offer 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 phone.
- Swipe at POS or Online Checkout: Select the EMI tenure (e.g. 6 or 12 months) directly at the showroom POS terminal or choose "EMI" during online checkout.
- Temporary Limit Block: The bank temporarily blocks the total handset price from your available card limit.
- Monthly Billing: Each month, only the installment amount (e.g. ৳5,833) appears on your regular monthly credit card statement. As you pay each monthly bill, that portion of your credit limit is progressively restored.