Flipkart Debit card EMI: Check Eligibility, How to Order, EMI Payment, Charges - IS
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Flipkart Debit card EMI: Check Eligibility, How to Order, EMI Payment, Charges

Flipkart Debit Card EMI?

Flipkart Debit card EMI That is, by using your ATM card, How to buy any product on EMI from Flipkart? We will see the whole process in this article


  • Which documents will be needed
  • What are the charges to be paid
  • How much percent interest will be charged
  • How many months will you get to pay the installment
  • How to check eligibility for debit card EMI
  • If eligible, then up to what amount limit will be available
  • If you are not eligible then how can you be eligible

Along with this, all the questions related to this topic are in your mind, You will get answers to all those questions in this article.



Can I get EMI without credit card in Debit card EMI?

so let's know, To buy any product on EMI under Debit Card EMI. All you need is the debit card of your account Means ATM card is required.


  • No need of credit card
  • No Downpayment, i.e. while buying the product you don't even need to pay money
  • Zero balance in your account, The account to which your debit card belongs, Even if there is no money in that account, Even then you can order the product on EMI

Which Banks Allow Flipkart Debit Card EMI?

But here's what debit cards are today Using which, you want to buy any product from Flipkart on EMI SBI, HDFC, Axis, Kotak, ICICI, IDFC, Should be from Federal or IndusInd Bank.


So if you have a card from one of these banks then you have to check whether your debit card is eligible for emi or not.


How will I know if I am eligible for Debit card EMI?

so how to check eligibility, There are 3 ways to check Through the SMS, That if you have debit card of SBI So to check eligibility


  • SBI BANK SMS DCEMI to 567676 from their registered mobile number. with the bank
  • Kotak Mahindra Bank SMS DCEMI SPACE last 4 digits of Kotak Debit Card Number to 5676788.
  • ICICI Bank SMS DCEMI SPACE last 4 digits of Debit Card number to 5676766.
  • Axis Bank SMS DCEMI SPACE last 4 digits of Debit card number to 56161600.
  • HDFC Bank SMS MYHDFC to 5676712 from your registered mobile number.
  • Federal Bank SMS DC SPACE EMI to 5676762 or missed call at 7812900900.
  • IDFC First Bank SMS EASYBUY SPACE last 4 digits of IDFC First Bank Card number to 5676732.

So as soon as you do it you will be told in the reply from the front whether your debit card is eligible for emi or not.


If eligible, then how much credit limit will get, This will also be mentioned there So you will definitely tell by commenting in the comment section what is the credit limit you have got.


But if you are not eligible for Debit card emi So this will also be told there that you for this debit card emi service are not eligible.


So in this article we will also know What are the reasons for not being eligible and how you can be eligible now, So this is the first way to check eligibility.


Second, the registered in your mobile number If your Flipkart account is created with the same number.


So as soon as you come to the product page There in the option where credit card details are shown Wherein, the bank whose debit card will be eligible for EMI.


Along with the credit card in that bank EMI details of debit card will also be shown So that you will know that your debit card of this bank Eligible for debit card EMI.


Or even easier When you enter the payment gateway while purchasing the product So there in the EMI option If your debit card of any bank will be eligible for Debit card EMI Name of those banks will be written in green color below the EMI.


So that you will be able to know, which bank's debit card is yours? Eligible for debit card emi So by these three methods you can check eligibility.


But still if you don't know whether your debit card is eligible for EMI or not So you must tell by commenting.


You will be told some specific methods depending on your bank So that you will know 100% your eligibility.


How Much Interest Will Be Charged If i'm Eigible For Flipkart Debit card EMI?

So now if you are eligible And you want to buy any product from Flipkart on EMI then how much percent interest will be charged, Different interest rates are charged in every bank.


17.01% in such Kotak Mahindra Bank.


16% to 20% in HDFC Bank.


15.01% in SBI Bank.


16% in ICICI and Indusind bank.


Flipkart Debit Card EMI Repayment Time period - EMI Tenure?

After purchasing the product on EMI To pay the installment or, For EMITenure Can get time from 3 months to 36 months It depends on your bank and product price.


So now let us see by purchasing a product So that you know the whole process correctly.


First you login to your flipkart account and then select the product You have to keep in mind while selecting the product.


Minimum Product Price For Flipkart Debit Card EMI Accourdingly Bank?

If you have a HDFC or IDFC Debit Card So your product should be of minimum 5000 Also if you have Axis, ICICI, SBI, IndusInd Bank's Card So your product should be of minimum 8000 or more.


Payment Process Of Flipkart Debit Card EMI?

So after selecting the product, Tap on Buy Now, address to be selected.


And come to the payment gateway Here you have to select the EMI option.


There will be a section of Debit Card / Flipkart EMI at the top In which your bank's debit card is eligible for EMI.


Name of all those banks And along with Debit Card EMI will be written Debit card of the bank you want to buy using EMI.


Tap on the name of that bank and select it As soon as you select, according to your product price and bank, EMI Tenure will be shown.


The amount of premium you will have to pay per month Number of months for which you want to buy the product on EMI.


Select the EMI tenure of that month From here you can know both the interest rate and he amount of premium you will have to pay per month.


Then to continue, Then here you have to file the last 4 digits of the debit card that you have to file and slide down the page.


3 points will be visible here In which it will be mentioned in the third point When is your first EMI date?, Means after buying this product When will the first EMI be deducted from your account.


So you have to know And you have to remember this date Then as soon as you continue an OTP will be sent to the registered number, And your order will be placed as soon as you fill OTP.


So in this way you can use the debit card You can order any product on EMI from Flipkart now as i told you Money is deducted from your account at the time of ordering Money will be deducted directly on first EMI date which is different for each bank.


So in this way you can use the debit card You can order any product on EMI from Flipkart.


Now as i told you. Money is deducted from your account at the time of ordering Money will be deducted directly on first EMI date which is different for each bank.


One more thing you should know, Every month on the same date as the date of first EMI , Your EMI amount will be debited from your debit card linked bank account.


And in this way for the number of months you would have taken the product on EMI After that many months, your payment will be complete.


So in this way using debit card you can buy any product from Flipkart on EMI and pay his EMI.


Flipkart Debit Card EMI Processing Fee?

So the first charge in debit card EMI, where is the processing fee But different fees are charged by different banks.


  • As there is no processing fee in SBI
  • Axis Bank charges a processing fee of 1%
  • Rs 99 in ICICI
  • And the rest in HDFC, IDFC, FEDERAL and INDUSIND BANK Processing fee of Rs 199 is applicable.

Some of you might be thinking, Now you can buy any product on EMI using Debit Card EMI. And after 1-2 months, when the money comes.


So the amount of EMI amount will be left at that timen Paying all at once, will complete the payment.


In this case you will be charged foreclosure charges Which is not to be given in Axis Bank.


  • But 2% in ICICI and Federal Bank
  • 3% across all HDFC and IndusInd Bank
  • 4% in Kotak mahindra bank
  • And 5% is taken in IDFC Bank

Flipkart Debit Card EMI Late Payment Fees?

Talk about late payment fee That is, if you do not deposit the EMI amount in your bank account before the EMI date.


And it gets bounced before your payment is done So in that case you will be charged late payment free Which can be from 100 rupees to 1000 rupees More similar charges apply.


How To Eligible Debit Card EMI On Flipkart?

Now it comes to eligibility so guys let me tell you Before checking the eligibility of your card with the bank manly check 4 things.


  • Cibil Score
  • How old is your bank account
  • How much average balance do you maintain in your bank account?
  • And, how much do you do the transaction in that?

The eligibility of your card is checked on the basis of these 4 things So if you maintain this for 2-3 months.

So you will also be eligible for Debit Card EMI


But if you want to buy any product within the next 15-20 days on Debit Card Emi Pay and before that if you want to be eligible.


Then comment in the comment section There, according to your information some specific methods will be told. so that you can be eligible very soon.


So friends, if you have in mind, related to Flipkart Debit Card EMI Still there is question, or any similar topic Ton which you want article then comment in the comment section Or you can message on our social media handles.


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All information and articles available on this site are for educational purposes only. The information given here should not be used without any expert advice for the diagnosis or treatment of any health related problem or disease. Always seek the advice of a qualified doctor for medical examination and treatment.

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