How to Activate EMI on Amazon Debit Card?
Amazon, the famous go-to online shop, offers its customers debit card EMI facility. Through this facility customers can shop online and pay the money in monthly installments through debit card. Banks like HDFC, Axis bank, etc. Offer the EMI facility to their customers.
Benefits of Amazon EMI Debit Card Facility
The various benefits of Amazon EMI debit card facility are mentioned below:
- There are no hidden charges while shopping in Amazon with debit card EMI facility.
- Amazon offers flexible repayment period that ranges from 1 month to 12 months.
- The EMI facility can be availed online, and the entire process takes place online. So, customers do not have to visit any bank.
- Amazon offers additional discounts when customers use the EMI facility.
How to Use Amazon EMI Debit Card Facility
Follow the simple steps to make use of Amazon EMI facility:
- Find the item you want to buy and navigate to the product description page.
- If the product is available on your Debit Card EMI and your account qualifies, you can look at the available tenures and interest rates under "Debit Card EMI" in the EMI section.
- Put the item in your shopping cart and continue to the payment page to complete the transaction.
- Before you add your bank's debit card, you must first select "EMI Menu" from the payment screen.
- Choose the appropriate tenure, then complete the transaction.
- Similar to a debit card, you will be directed to a bank website to complete the transaction.
- Your bank will immediately authorize standing instructions to debit monthly EMI payments from your account.
Details of Banks that Offer Amazon EMI Debit Card Facility
The details of banks that offer Amazon EMI debit card facility are mentioned below:
Bank | Processing Fee | Minimum Amount Needed to Avail EMI Facility |
HDFC Bank | Rs.199 | Rs.3,000 |
ICICI Bank | Rs.99 | Rs.5,000 |
Kotak Bank | Rs.199 | Rs.5,000 |
Axis Bank | For order value less than Rs.9,900 – Rs.99 For order value more than or equal to Rs.9,900 – 1% of order value | Rs.5,000 |
How to Check if You Debit Card is Eligible for Amazon EMI Facility?
Follow the steps mentioned below to check if your debit card is eligible for Amazon EMI facility or not -
- For HDFC Bank – From your registered mobile number, send the SMS MYHDFC to the number 5676712
- For Axis Bank - From your registered mobile number, send the SMS DCEMI <Space><Last 4 digits of your debit card number> to the number 56161600
- For Kotak Mahindra Bank - From your registered mobile number, send the SMS DCEMI <Space><Last 4 digits of your debit card number> to the number 5676788
- For ICICI Bank - From your registered mobile number, send the SMS DCEMI <Space><Last 4 digits of your debit card number> to the number 5676766
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Terms and Conditions for Amazon Debit Card EMI Facility
The various terms and conditions for Amazon debit card EMI facility are mentioned below:
- Customers who buy on www.amazon.in or the mobile application/mobile site thereof (collectively, "Amazon.in") using a debit card issued by any bank that provides an EMI facility to its debit card holders are eligible for the No Cost EMI facility, if available on Amazon.in.
- The No Cost EMI option is funded by participating sellers and brands (where applicable) and is offered on specific products as chosen by such sellers and/or brands from time to time.
- The No Cost EMI payment option is accessible on Amazon.in when using a debit card from any bank (that offers an EMI facility to its debit card holders) and is not available when using net banking or cash on delivery payment options.
- Customers who use the No Cost EMI payment option will pay the amount that is the total of the price of the product during the EMI tenure as displayed on Amazon.in (at the time of making the purchase transactions). The participating sellers or brands (as the case may be) will contribute amounts equal to the interest charged by banks in order to complete the purchase transactions on EMI.
FAQs on Amazon EMI Debit Card
- What fees do I have to pay to get Debit Card EMI?
You will not be charged any additional fees by Amazon for using the Debit Card EMI option. However, your bank will charge you interest, which is built into your monthly payment.
- How can I determine whether I am eligible for Debit Card EMI?
Your bank will notify you via email and SMS of your eligibility for Debit Card EMI.
- How will I repay my EMI?
Your bank will automatically enable standing instructions on your SB A/C to permit debit of monthly EMI payments. Please keep a sufficient balance in your SB A/C to cover the EMI amount. If you want to pay off the loan early, contact your bank to close the EMI. Your bank may impose additional fees for pre-closing the loan.
- I've noticed No Cost EMI provided on Amazon items. Will I also receive No Cost EMI if I use Debit Card EMI?
Select debit card EMIs now offer no-cost EMI. To see if a product qualifies for No Cost EMI, look at the EMI tenures on the product description page.
- What happens if I cancel one of several products purchased together (multi-cart)?
The bank will adjust the refund amount and recalculate the EMI payment based on the new order price.
- Why does Amazon say that my debit card is not eligible for EMI?
There can be many reasons for your debit card to not be eligible for EMI. In such cases, you should contact your bank and find out about the issue.
- Can I buy a phone on EMI from Amazon?
Yes, you can buy a phone on EMI from Amazon.
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