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APR (Annual Percentage Rate) represents the yearly cost of borrowing money, including interest and fees. A lower APR means you pay less for credit.
EMI = [P × R × (1+R)^N] / [(1+R)^N-1], where P is principal, R is monthly interest rate, and N is tenure in months.
Debit cards use your own money from your bank account, while credit cards let you borrow money up to a limit that you must repay.
Cashback is a percentage of your purchase amount returned to you as reward points or direct cash credit to your account.
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