Credit Card Minimum Due Calculator
Stop the guesswork. See exactly how much interest you pay if you only clear the minimum amount. Supports All Major Indian Banks.
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5% of outstanding balance or ₹200 (whichever is higher). + Interest & Plans.
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Enter your credit card outstanding amount to see how Minimum Due affects your finances.
What is Minimum Amount Due in Credit Card?
The Minimum Amount Due (MAD) is the smallest amount you must pay on your credit card bill to avoid late payment fees. In India, banks typically calculate it as 5% of your total outstanding balance. If you have any active EMIs, unpaid dues from previous months, or over-limit amounts, these are added to the 5% calculation.
What happens if you pay only the minimum due?
If you pay only the minimum amount due on your credit card, interest continues to apply on the unpaid balance. This causes the outstanding amount to reduce very slowly and increases the total interest paid over time. You can use our credit card interest calculation tool to see exactly how much you are losing.
Most banks use the following formula to determine MAD:
- 5% of the Total Outstanding Balance.
- Plus all active EMI installments.
- Plus all applicable taxes (GST) and fees.
- Plus any over-limit amount spent.
Why is my credit card bill not reducing?
Your credit card bill may not be reducing because you are only paying the minimum due. When you do this, the remaining balance attracts high interest (Interest is applied as per your bank’s applicable monthly rate), which often exceeds your payment amount.
Key Reasons Your Debt Stays High:
- Interest Accumulation: Finance charges are applied to the entire balance daily, not just the unpaid portion.
- Loss of Interest-Free Period: New purchases start attracting interest immediately from day one.
- GST Impact: You pay 18% GST on all interest and fee charges, further eating into your payment.
Smart Solution: To stop interest accumulation, try to clear the full bill. Alternatively, you can convert balance to EMI to reduce the burden, or check our EMI vs minimum due comparison to make an informed decision.
Bank-Wise Minimum Due Rules (2025)
*Source: Official Terms & Conditions (MITC) documents from respective bank websites as of Jan 2026.
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Disclaimer: Calculations shown are indicative based on standard Indian banking policies (MITC). Actual interest and minimum due values vary by bank, card variant, and usage. This tool is for educational planning only and does not constitute financial advice.