Online EMI shopping in India On Debit Card and Without Credit Card Option
In India Online Shopping growing rapidly and also customer are interested to buy online why because of online shopping stores are giving many offers, discounts and providing COD (cash on delivery options) with secure payment options also when fails payment they are refunding amount with secure way. Some of banks are providing cash back offers and EMI options through without Credit Cards and Debit Cards major categories most selling products like Electronics, Fashion, Home and Appliaces, Laptops, TV’s Mobiles on EMI .
EMIShopping Benefits: Preset so many people having the bank accounts and banks are providing credit cards, some of online shopping store giving no cost EMI Options and cash back offers with terms and conditions, snapdeal credit card from HDFC bank. EMIhopping payment options available for online shopper using credit cards issued by some bank like ICICI, AXIS, SBI, HDFC,Standard Chartered,Kotak Bank,HSBC IndusInd and more,
How to do EMIShopping:Before purchase or paying money online through EMI Options we need check the products are eligible to emi payment options some of online stores accept above Rs. 3000 to 4000. If the product Eligible to EMI Shopping in checkout option select emi options, choose the bank and emi months like 3, 6, 9, 12 and 24 months based selected months it will charge interest rate (Rate of Interest %) (Please note that the full amount will be charged on your card the day of the transaction). Once done emi payment based on return on policies credit card provider will convert total amount into emi options. Once the payment is completed your order will be processed and shipped based on online shopping store. For COD payment done through credit card please call your bank and ask to convert the amount into EMI options
Credit Card Credit Limit: Bank will provide some credit limit on your card example if you have credit limit is Rs.45,000, so you have done emi shopping amount of Rs.15,000, for 12 months plan. Rate of interest is 13%, monthly payment is Rs.1,339, the bank will take Rs.15,000 amount from your credit card your limit is Rs.30,000 when start paying monthly again it will increase you credit limit
Major EMI Shopping Products: in online EMI Shopping on major sales products are Mobile Phone, Laptops, and Large appliances like Air Conditioners, Refrigerator, Washing Machine Kitchen Appliances and more Categories why products are mostly above Rs.3000 to Rs.4000 eligible to EMI Shopping Online
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