#Query.. Idfc First credit card no cost emi cancellation

#Query

Can anyone confirm this, I read it on DD itself..

If I pay upfront amount on IDFC first credit card and keep negative balance and then make a merchant emi transaction, it won't be converted and automatically it will get settled. So no need to cancel the no cost emi.

If this is not true, then kindly guide regarding NCEMI of IDFC first credit card

I read they charge 3%+ 199(processing charges)+gst+ etc..

So in this 3% of which amount is charged, Total or emi monthly value?

Kindly anyone help if anyone had previously availed IDFC First No cost emi cancellation