I have been charged full amount of the transaction:
Your bank will charge you for the full amount initially and later convert it into
EMIs normally within seven working days. Please contact your Card Issuing bank in
case seven working days have passed and your transaction has not been converted
in EMI. The contact details of your Bank’s customer care are usually available on
the reverse of your card.
My Issuing Bank’s Call Centre has no information on my EMI Conversion:
The Issuing Bank will receive your EMI request after at least three working days
of the transaction. Only then can they apprise you of the status of the transaction.
The transaction amount has not converted into EMI in seven working days:
Please contact your Card-Issuing bank in case 7 working days have passed and transaction
has not been converted in EMI. Conversion of transaction into EMI is at the sole
discretion of the Card-Issuing Bank and can also be rejected in unfortunate circumstances.
My bill has been generated and the full amount has been charged to me:
Please check the transaction date and the bill generation date. if the period is
less than 7 working days then you need to speak to your bank to determine how much
amount to pay. The Bank might convert the EMI at a later date and change the bill
Sum total of all EMIs is more than the transaction amount:
The Issuing Bank charges interest per EMI transaction. The interest rates are decided
by the bank and are displayed at the time of completing the transaction.
Bank has rejected EMI Conversion:
You will need to pay the full amount of the transaction to bank. Remember that the
EMI facility is at sole discretion of the issuing bank.
What is the minimum purchase to avail the eStore EMI functionality?
The total invoice value has to be INR 3000/- and above for you to avail of the EMI functionality.
Can EMIs be clubbed with coupon discounts or special prices such as EPPs?
Yes, because the EMI is a payment option based on your invoice value, irrespective of whether a discount, using a coupon or otherwise, has been availed on the purchase.