What is better for Diwali shopping, upfront payment or no-cost EMI?

No-cost EMI allows buyers to spread expensive Diwali purchases over monthly instalments, but it may involve processing fees, GST and other charges, according to Livemint. Paying upfront could help secure additional discounts or cashback, it added. Buyers should compare the total cost, credit card rewards and repayment commitments before choosing between the two options.