HDFC Credit Card Users: Beware of EMI Pre-Closure Charges

I recently ordered a laptop on January 18th using HDFC's no-cost EMI option. The total amount of ₹47,786 was charged to my card, and it was converted into EMIs on January 24th. However, when I attempted to pre-close the EMI, I noticed the total amount to close was ₹50,079.

This included pre-rata interest, a 3% pre-closure charge, and 18% GST on the charges. What’s confusing is that in the past, when I pre-closed other EMIs, the additional cost was minimal, typically ranging from ₹50 to ₹300.

I’m struggling to understand why the charges are so high this time. Has anyone else experienced this with HDFC or other banks? Any insights would be appreciated.