Which Brands Allow EMI Payment For Online Shopping In India?

Flipkart offers various EMI options on products like electronics, fashion, home appliances, and what not. Whether you're purchasing a new smartphone or upgrading your kitchen, Flipkart’s EMI plans allow you to pay in installments. This will make your high-value purchases more manageable.

Types of EMI Plans Offered by Flipkart:

• No-Cost EMI: Available on a range of products. You only need to pay the actual product cost divided into installments with no extra interest. This feature is available for credit cards from major banks like HDFC, ICICI, SBI, and Axis Bank.
• Standard EMI: Most credit cards support this option, with interest rates varying by bank. Tenure options range from 3 to 24 months.
• Debit Card EMI: Flipkart also allows customers to pay via EMI on debit cards issued by selected banks such as HDFC and SBI.

Eligibility Criteria:

• You must have a valid credit or debit card from one of the partner banks.
• The minimum purchase value for EMI is typically ₹3,000 or above.
• For Flipkart Pay Later, the user must provide PAN and Aadhaar details for approval, and eligible customers get credit of up to ₹1 lakh.

Flipkart Pay Later:

Flipkart's Pay Later service allows you to shop now and pay later at the end of the month or in EMIs of up to 12 months. In this, eligible users can get a credit limit of up to Rs.1 lakh. They have simplified the checkout process without repeatedly entering payment details. This service is beneficial for frequent shoppers to consolidate multiple transactions into a single bill.

Banks and Payment Partners: Major banks that support Flipkart EMI include,

• HDFC Bank
• ICICI Bank
• SBI
• Axis Bank
• Bajaj Finserv EMI Network for cardless EMI.

How to Choose EMI at Checkout:

• Select the products and proceed to checkout.
• In the payment section, select EMI as your payment option.
• Choose the bank and card, and pick the EMI tenure (e.g., 3, 6, or 12 months).
• Review the terms and finalize your order.

Terms and Conditions:

EMI tenures vary from 3 to 24 months depending on the bank. Processing fees and interest rates apply for Standard EMI options. So, be aware of the specific terms before confirming your payment.

Popular Offers:

• During sales like the Big Billion Days, Flipkart offers No-Cost EMI on a larger range of products.
• Banks such as HDFC and SBI often have cashback or interest-free EMI deals during promotional events.

Amazon India provides a variety of EMI options on their wide product categories. These EMI options will help you buy high-ticket products easily without stressing your budget.

Types of EMI Plans Offered by Amazon:

• No-Cost EMI: This option is available on credit cards from banks like HDFC, ICICI, SBI, and Axis Bank, as well as on Bajaj Finserv EMI cards.
• Standard EMI: Available on most credit cards with interest applied. Tenure options typically range from 3 to 24 months, depending on the bank and product.
• Debit Card EMI: Available for certain products when using debit cards from banks like HDFC and SBI.

Amazon Pay Later:

Amazon Pay Later option is same as Flipkart Pay Later. It simply allows you to buy products and you can pay for them later. Later means at the end of the month or in flexible EMIs. Through this option, eligible users can get a credit line of up to ₹60,000. You can fo a repayment in monthly installments ranging from 3 to 12 months. They also provide a streamlined checkout process for faster payments.

Eligibility Criteria:

• A credit or debit card from one of the partner banks.
• A minimum order value, typically around ₹3,000 for credit card EMI and ₹5,000 for debit card EMI.
• During registration, you need to provide your PAN and Aadhaar details.

Bank and Payment Partners:

• HDFC Bank
• ICICI Bank
• SBI
• Axis Bank
• Bajaj Finserv

How to Choose EMI at Checkout:

• After selecting your product, proceed to checkout.
• Under payment methods, choose EMI or Amazon Pay Later.
• Select your preferred EMI option based on the available tenures and finalize the payment.

Terms and Conditions:

• EMI is available for selected products.
• Standard EMI plans come with interest rates as determined by the bank.

Popular Offers:

• No-Cost EMI on a wide range of electronics and home appliances during sales like Great Indian Sale.
• Partner banks like ICICI and SBI often provide additional discounts and cashback when users use their cards for EMI.

Tata Cliq's flexible EMI plans can make your shopping for premium products more accessible. With the wide range of payment options available, you can conveniently split your payments for smartphones, laptops, home appliances, and more.

Types of EMI Plans offered by Tata Cliq:

• No Cost EMI: Available on select products. Tata Cliq allows you to purchase products with no added interest. Major banks that support this option include HDFC Bank, ICICI Bank, and SBI.
• Standard EMI: Available on most credit cards. You can choose flexible tenure options ranging from 3 to 24 months. Interest rates are based on the bank and selected tenure. This will allow you to spread the payment over time.

Tata Cliq Buy Now Pay Later Option:

Tata Cliq offers a Buy Now, Pay Later option via third-party payment providers such as Simpl and ZestMoney. This service allows you the flexibility to make a purchase instantly and settle the payment later. You can pay for products at the end of the month or in installments.

Eligibility and Requirements:

• You need a valid credit card from one of Tata Cliq’s partner banks (for No Cost EMI or standard EMI).
• For Buy Now, Pay Later, you’ll need to register with Simpl or ZestMoney and undergo their approval process.
• There may be a minimum purchase value (typically ₹3,000) required to be eligible for EMI options.

How to Use EMI at Checkout:

• Add your product to the cart and proceed to checkout.
• In the payment options, select either No Cost EMI, Standard EMI, or Buy Now, Pay Later.
• Choose your bank and the tenure option, then complete your purchase.

Tata Cliq’s website simplifies this process by automatically showing you the available EMI options based on the product you’ve selected.

Terms and Conditions:

• No Cost EMI is available on select products.
• Bank offers often apply during sales or promotional periods.
• Regular EMI plans come with applicable interest.
• It's essential to check the tenure and interest rates at checkout.

Popular Offers:

• During Festival Sales Tata Cliq often promotes EMI deals with partner banks. You can also get additional cashback or discounts when you shop with specific banks like HDFC, ICICI, or SBI.

If you are a frequent Myntra shopper, Myntra's EMI and Buy Now Pay Later options can make your shopping more peaceful. Now you can shop for your favorite fashion and beauty products from popular brands with ease.

EMI Options on Myntra:

1. Credit Card EMI:

• EMI options on Myntra supported HDFC, ICICI, SBI, Axis Bank, Kotak Mahindra, and other banks.
• Flexible EMI tenures are available, typically ranging from 3, 6, 9, or 12 months.
• EMI options usually apply on orders over ₹3,000 or more, depending on the credit card provider.
• Interest rates vary based on the bank and tenure.
• Some No Cost EMI offers may apply during promotions, standard EMI plans may incur interest charges.

2. ZestMoney EMI:

• The ZestMoney EMI option is available for users who don't have a credit card. By signing up with ZestMoney you can avail of EMIs without a credit card.
• EMI options include 3, 6, 9, or 12 months, with instant approval for eligible users.
• ZestMoney No Cost EMI is available for selected products and during specific sales periods.
• Typically, the minimum transaction for ZestMoney EMI is ₹3,000.
• ZestMoney offers no-cost EMI on certain products, but standard purchases may include a nominal interest based on the repayment period​.

Myntra Buy Now, Pay Later (BNPL):

1. CASHe Buy Now, Pay Later:

• Myntra collaborates with CASHe to help you buy products instantly and repay later in easy installments.
• As a user you can borrow loan amount between ₹1,000 and ₹60,000.
• CASHe provides 90 days (interest-free) and 180 days (with interest) repayment options.
• To use CASHe, a minimum order value of ₹1,500 generally applies, though this can vary during sale seasons.
• The 90-day plan is interest-free, while longer tenures may include minimal interest​.

Myntra Pay Later option allows you flexible payment methods and this can easily help you manage your budget. Before making any transactions from third party apps like CASHe and ZestMoney, always remember to recheck terms and conditions.

Terms & Conditions:

i. EMI Terms: 

• EMI options can vary depending on approval by the respective bank or financial service.
• No Cost EMI offers may only be available on selected products. Often during special sales events or promotional periods.
• If you choose regular EMI, applicable interest rates will vary by tenure and bank. You need to check the specific rate and other charges (processing fees, etc.) at checkout.

ii. Minimum Purchase Amount:

• For most EMI plans (both Credit Card and ZestMoney), the minimum order value is typically ₹3,000. But this may vary depending on the product or ongoing offers.

iii. Promotions & Offers:

• Myntra frequently runs offers where No Cost EMI or additional benefits, like cashback, are available for using EMI options. These can be available with specific bank partners or product categories.

Ajio also offers several EMI payment plans for both credit and debit cardholders. These options are available to make your online shopping at Ajio more easy.

Ajio Credit and Debit Card EMI Options:

1. Credit Card EMI:

• Ajio supports credit card EMI for HDFC, ICICI, SBI, Axis Bank, and Kotak Mahindra Bank.
• MI plans typically range from 3 months to 12 months.
• If you use an HDFC Credit Card, you can choose to pay over 6 or 12 months.
• For example, a purchase of ₹10,000 might give you a 6-month EMI option with a fixed interest rate.
• Some products may have no-cost EMI options, where the interest cost is covered by AJIO or the bank. This offer is usually available during major sales or on select products.

2. Debit Card EMI:

• AJIO allows Debit Card EMI for HDFC or Axis Bank users.
• You need to have pre-approved eligibility from your bank for the Debit Card EMI facility.
• For instance, Axis Bank customers can avail of EMI if the minimum purchase is ₹5,000.
• Debit card EMI typically offers repayment periods of 3 to 9 months.

ZestMoney EMI Option:

AJIO partners with ZestMoney to provide a no-cost EMI solution for those who don’t have a credit card.

You just need to sign up with ZestMoney and complete your KYC verification to activate your credit limit. Most of the ZestMoney EMIs are available for purchases above Rs.3000. You can choose EMI tenures of 3, 6, 9, or 12 months.

A purchase of ₹7,000 on AJIO using ZestMoney can be split into 6 equal installments of around ₹1,167 per month. Depending on the product and ongoing promotions, you may not have to pay any interest (no-cost EMI).

ZestMoney offers no-cost EMI on selected products. For other products, you have to pay standard interest rates of 0%-15%.

Terms and Conditions:

• For most EMI plans, the minimum purchase value starts from Rs.3,000.
• Banks may charge a processing fee of around 0.5% to 1% of the transaction amount.
• The interest rate for standard EMI plans ranges from 12% to 18% per annum depending on the tenure and the bank.
• No-cost EMI is Available on select products.
• Some EMI plans allow you to prepay the amount early without any extra charges, while others may include penalties for early closure.

Vijay Sales offers various EMI options for online shoppers. This makes it easy for you to buy electronics and home appliances.

EMI Payment Options Available at Vijay Sales:

• Vijay Sales support EMI payments via major credit cards from HDFC, ICICI, and SBI banks. Their tenure and interest rates vary depending on the bank you are choosing.
• No-cost EMI option is available for selected products. This means you only pay the product price divided into EMIs, without any added interest.
• You can use Bajaj Finserv Insta EMI Card to buy products on no-cost EMI. This is useful for buying electronics like smartphones, laptops, TVs, and more. It also offers flexible tenures to suit different budgets.
• For additional discounts and cashback on EMI transactions, HDFC bank users can make purchase via PayZapp.

Terms and Conditions:

• Most EMI options at Vijay Sales are available for purchases above Rs.15,000. For no-cost EMI, products and banks may have specific minimum value requirements.
• EMI tenures range from 3 to 24 months, depending on the bank and card provider.

Lenovo offers flexible EMI options through various payment partners. Here's a detailed look at the EMI payment options available for Lenovo products in India:

EMI Payment Methods:

• Lenovo accepts EMI payments via major credit cards like HDFC, ICICI, Axis, SBI banks, and others. These credit card EMIs are available for both standard and no-cost EMI options. The tenure depends on the card provider, which ranges from 3 to 24 months.
• You can use Bajaj Finserv's EMI card to purchase Lenovo products at no-cost EMI. If you are looking for flexible repayment repayment without added interest, then this option is great for you. The tenure can range from 3 to 12 months, depending on your products and ongoing offers.
• If you don't own a Credit Card, you can choose the Debit Card EMI option. This option is available on selected bank debit cards like HDFC and ICICI.

Terms and Conditions:

• The minimum transaction value required to avail of EMI options is around ₹5,000. This can vary depending on the bank and the type of EMI.
• No-cost EMI options are available on selected products. And the interest is borne by Lenovo or the bank, making it interest-free for you.
• However, for other EMI options, interest rates may apply between 12% to 15% depending on tenure and bank.

Lenovo Financing:

Lenovo offers its own financing option through Lenovo Financing for business customers. This allows flexible monthly payments on business purchases. This option is designed to meet the needs of small and medium businesses in India and offers varied payment terms.

If you are an active sports enthusiast, Decathlon's EMI payment options can be beneficial for you. At Decathlon India, you can go for EMI payment plans for orders above Rs.30,000. This option is available for credit cards issued by major banks. You can split the duration of repayment over 3, 6, 9, 12, 18, or 24 months, depending on bank's terms. During checkout, the interest rate and monthly installment amount will be displayed for transparency. EMI is processed through Razorpay to ensure safe transactions.

Terms and Conditions:

• EMI is available only for purchases above Rs.3000.
• Only selected credit cards are eligible for EMI options.
• The interest rate varies depending on the bank and the chosen repayment tenure. Ensure you review the interest charges during checkout.
• Decathlon also supports other flexible payment methods, such as UPI, net banking, and gift cards​.

• Croma provides EMI and no-cost EMI options for both credit and debit cardholders.
• This is available for banks such as HDFC, ICICI, and Axis Bank.
• Croma partners with digital finance services like Bajaj Finserv, to enable flexible tenures of up to 12 months.
• No-cost EMI is available on selected products, and the minimum purchase usually starts from ₹5,000.
• Though specific offers may apply depending on promotions.

• Samsung offers no-cost EMI and regular EMI options on products across its range, from smartphones to home appliances.
• EMI is available through major banks like HDFC, ICICI, and SBI.
• The tenures can be from 3 to 12 months.
• Samsung also partners with Bajaj Finserv for interest-free financing on select models. The minimum purchase requirement is ₹10,000, depending on the bank.

• LG provides flexible EMI options through partnerships with leading banks and financial services, including HDFC, ICICI, and Bajaj Finserv.
• No-cost EMI is available on selected products like home appliances and electronics.
• Tenure typically ranges between 3 to 12 months.
• The minimum purchase amount for EMI starts at around ₹5,000 depending on the specific bank and product​.

• Sony offers EMI options for a wide range of products.
• You can select payment options i.e. major credit cards or no-EMI is provided in collaboration with Bajaj Finserv.
• The minimum purchase for EMI starts at Rs.10,000 for larger electronics.
• Tenures can range between 3 to 12 months.

• Panasonic allows EMI and no-cost EMI options for selected products.
• Products can range from air conditioners to refrigerators, and washing machines.
• Partner banks include ICICI, HDFC, and Axis Bank, along with Bajaj Finserv.
• The minimum purchase threshold starts from Rs.8,000 to Rs.10,000.
• The tenure ranges between 3 and 12 months.

Many top brands and retailers in India offer flexible EMI options to make shopping more fun for their users. Whether you have a credit card or debit card you can easily manage big purchases with these pay later options. We hope this guide has provided helpful insights into the various payment options available.

Did you find this article helpful? Did you use these tips? We’d love to hear about your experiences. If you know of any other stores offering EMI options, feel free to share them in the comments so we can update our list!