How to Check Debit Card EMI Eligibility for Amazon & Flipkart?

Earlier, it was difficult for people to purchase their favourite product as they had to wait to save all the funds to purchase the products. With EMI Options, it became very easy for people to purchase the expensive products as they didn’t have to wait and save the lump sum amount to make the purchase.

There was a time when you could have simply walked into the showroom and make the purchase with help of EMI. These EMI options were available on Credit Card as well as directly through the bank account. Later, online retailers also started offering such facilities. It was then possible to make the online purchase on EMI using your Credit card. It was such a joy.

In midst of all this, there were customers who didn’t have a credit card because India is a market where a lot of people do not prefer Credit card. It was a challenge for Amazon & Flipkart to offer EMI Facilities to such customers. They then came up with a feature which can be used by Debit cardholders to provide EMI to these Debit card Holders for their online purchase.

Here, in this article, we are going to tell you about the process to check the EMI Eligibility for Amazon & Flipkart.

Debit Card EMI Eligibility

Amazon: Points to Note for Debit Card EMI

  • The facility is available for ICICI Bank, Axis Bank, SBI Bank and HDFC Bank Debit Cards.
  • The purchase amount for HDFC Debit Card should be at least Rs 10,000 and the minimum purchase amount for ICICI Bank, Axis Bank and SBI Bank should be Rs 8,000.
  • The interest will be charged on monthly basis as per the interest rates applicable.
  • For debit card EMI, there are no Processing Fee or any other charges.
  • The Debit Card EMI option is available for the purchase of Rs 1 Lakh and it is going to be the bank’s decision to offer EMI on Debit Card or not.

Flipkart: Points to Note for Debit Card EMI

  • For Flipkart, the facility is available for Axis Bank, SBI Bank, HDFC Bank and ICICI Bank.
  • The interest will be charged on monthly basis as per the interest rates applicable.
  • For debit card EMI, there are no Processing Fee or any other charges.
  • The purchase amount for HDFC Debit Card should be at least Rs 10,000 and the minimum purchase amount for Axis Bank and SBI Bank should be Rs 8,000. In the case of ICICI Bank, the Minimum purchase is Rs 5,000
  • It is Bank’s Decision to offer EMI to the customers.

These were some of the important conditions that you need to meet to ensure that you are able to avail the EMI Facility on your debit card while making a purchase from Amazon or Flipkart. It should also be noted that you would need to check your eligibility as this would help you in ensuring that you are able to make the purchase.

We have listed the process to check the eligibility below.

Amazon: Process to Check Eligibility for Debit Card EMI

If you wish to check the Eligibility for Debit Card EMI then you can follow the process listed below

  • Visit amazon.in and login to your account using your login ID and password.
  • Once you have logged on, go to your Account and Click on Payments option. You will now be able to see Amazon Wallet and other payment options. On this page, click on Add a New Card.
  • You will now be prompted to enter your card details. Enter the details and save it in payments method. Also, do not worry as the information is safe and secure and it cant be misused by anyone.
  • Now, you can simply start shopping for the products and you will be able to see the Debit Card EMI option on the product page if you are eligible.

Second Process

  • However, you would like to check the eligibility before starting the shopping, you can visit https://www.amazon.in/b?ie=UTF8&node=15430905031 and on the page, Click on Check Eligibility Button.
  • It should be noted that you should have added the Debit Card Details on the page to ensure that you are able to check the eligibility.
  • Once you click on the Check Eligibility button, you will be navigated to a new page which will display if you are can avail the Debit card EMI or not.

Flipkart: Process to Check Eligibility for Debit Card EMI

There are two ways to check the Debit Card EMI Eligibility. Below are the details

First Process

  • Using the mobile number that is registered with the bank, send an SMS on 57575. The content of the SMS should be ‘DCEMI’.
  • The bank will reply back to the SMS confirming the eligibility status of your Debit card EMI Eligibility.

Second Process

  • You can login to your Flipkart account and search for the products that you would like to purchase.
  • On the product page, you will be able to see the Debit card EMI Option Availability Status under the Easy Payments Option Tab. You can also check the status during the checkout. If you see nothing then you are not eligible for Debit Card EMI.

This was all about the Debit card EMI Options on Amazon & Flipkart. For any other information, please contact your bank’s customer care number.


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