July 22, 2025 · 11 mins read
Santhosh Kumar
Today, in the year 2025, making big purchases on the go is considered normal. In today's India, the citizens of the country are making massive purchases due to the credit card credibility and availability in the nation. Various credit cards are available for citizens that offer exciting gift vouchers, cashback offers, discounts, and rewards that help the entire process of transactions easily.
Today, every mode of money transaction looks for convenience. More than Many Indians are utilising online payment transfers rather than cash, bank transfers rather than cash in hand, and this changes the dynamics of the payment system in the country. From auto drivers to businessmen and women, everybody relies on the online mode of payment.
With these online modes of payment come many benefits that users can gain out of, which are rewards, points, cashback offers, discounts and dining offers for leisure time. All of these benefits can be achieved by owning a credit card in India today. It does not end here. Many individuals make massive purchases with credit cards, and now, it's even easier with EMI available by making purchases via a credit card. Many credit cards, such as Kuch Bhi On EMI By Standard Chartered Bank, Easy Buy EMI Card by IDFC First Bank, and Bajaj Finserv EMI Network Card, provide exciting offers to their users upon making transactions via the respective credit cards.
In the list of the best credit cards available for EMI on Electronics in India are as follows:
Kuch Bhi On EMI (Standard Chartered): All around India, Standard Chartered has now introduced the EMI Credit Card called Kuch Bhi On EMI, where users can transform any of their Spends above RS. Two thousand or more into EMI and can opt for an EMI option. Coming with multiple benefits for its users, one of the best factors about the Kuch Bhi On EMI card offers an interest rate beginning from 0.99% per month, along with a flexible tenure of three to sixty months (3-60).
Pre-Closure Charges: Individuals are required to consider the pre-closure charges, which are 3% upon applying for the Kuch Bhi On EMI Card by Standard Chartered Bank.
Processing Fee: Upon application for the Kuch Bhi On EMI Card, users are charged a processing fee of 1.5%.
KBE At The Time of Purchase: Individuals can convert credit card purchases into EMI at any retail outlet or e-commerce website, upon application of the Kuch Bhi On EMI Card by Standard Chartered.
KBE Via SMS: Individuals can now respond to the Text Message that they receive right after making a transaction via the credit card and convert transactions into easy EMI.
KBE Via Online Banking & SC Mobile: If in any case the user has skipped or missed converting the credit card transaction into EMI, instead of panicking, they can now just log in to Online Banking and raise a request for the conversion of credit card purchases to EMI.
Easy EMI Card (IDFC First Bank): The Easy EMI Card by IDFC First Bank, in India, is known to be the most loyal and well-performing with its users as it offers ease in Online Shopping, A No Cost EMI option, and Dynamic Offers upto Rs 8 Lakhs.
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A few best features of the Easy EMI Card, on the go, are as follows:
No Cost EMI: One of the standout features of the Easy EMI Card is the No Cost EMI option. Individuals can attain an EMI on the Customer Durable Loan at no additional cost.
Instant Approval: Upon applying for the Easy EMI Card by IDFC First Bank in India, users get instant approval for the IDFC Bank Customer Care durable loan.
Instant Financing: users can apply for a loan at any time without any lag, such as first communicating over chat and then getting on a call.
Amazon Pay ICICI Credit Card- The Amazon Pay ICICI CC is known to be the most popular when it comes to purchasing electronics on e-commerce websites. With this particular credit card, "Prime" Members are entitled to earn 5% cashback on any Amazon purchase and non-Prime members earn 3% cashback on Amazon purchases.
A bunch of main features of the Amazon Pay Credit Card ICICI are mentioned as follows:
1: No Joining Fee
2: No limit of expiry date limit on rewards earned utilising the Amazon Pay ICICI Credit Card.
3: Multiple Cashback offers such as 3% on any Amazon purchases, 5% cashback for Prime Members who make purchases on Amazon and 1% cashback on all other payments.
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Opting for an EMI option in order to make a payment via credit card, the following steps can be followed.
1: Select Your Product and add it to the cart to proceed to checkout.
2: Look out for EMI Options on that product, if any.
3: Select the Preferable EMI option as per your preference.
4: Provide Credit Card Details, especially to make a down payment if required.
5: Finish the transaction
Check Eligibility: It is required for the individual to check if their respective credit card is eligible for EMI conversions.
Convert through the Bank; Once it has been established that the credit card is eligible for EMI options, users can use the mobile app or the respective bank's online portal in order to initiate the EMI conversions.
Select a Tenure: Individuals are required to opt for a desired repayment period for the EMIs. Review and confirm the EMI conversion.
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Firstly, users need to be aware of the fact that the credit card contains a feature of Paying Through EMI as an option, as it is not a universally available option. To convert a credit card payment to an EMI payment, users are required to follow the steps mentioned:
1: Log in to the respective Net Banking Account
2: Click on the option to convert the Outstanding Amount To EMI.
3: Select a Tenure, carefully and wisely.
4: Review and confirm the transaction.
Meanwhile, users who do not have a good credit limit will not be able to convert their credit card payment to an EMI method of payment. It is highly important for users to have enough credit limit in order to convert their credit card payment to an EMI payment option instantly.
A bunch of facts that are required to be considered before purchasing an electronic item on EMI via a credit card are as follows:
1: It is important to make sure that the buyer’s issue provides an EMI feature on the credit card. Most often, a small processing fee is charged in order to convert the credit card payment to EMI. It is highly recommended for users to be aware of such fees.
2: Shopping anywhere on EMI reduces an individual’s credit limit. This fact must be considered by every credit card user.
3: Individuals must check the interest rate before making any bold move by applying for the EMI option.
4: Individuals are recommended to select a Tenure wisely and opt for prepayment in order to save on interest.
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Some of the best credit cards that exist exist in India with multiple exciting cashback offers, discounts on travel, dining, and shopping, keeping users alive and kicking to make their payments on time, hassle-free. From making payments via net banking to now making money transactions via the UPI apps, making payments in the nation has gotten quicker than ever. Be it a debit card or a credit card, many of these types of cards are available in the market with exciting offers and cashback offers for users to achieve and utilise.
Most often, individuals are not liable to make a massive credit card payment, and this is where the EMI option plays a vital role in this transaction. Now, many credit cards generally have the option to transfer any payment to an EMI payment with ease, and some credit cards have a time-consuming process. The credit cards that make it to the top of the list are Amazon Pay ICICI Credit Card, Easy EMI Card IDFC First Bank, and Kuch Bhi On EMI By Standard Chartered Bank India. With such instant transferring of payment option, users are left hassle-free and content while making a big payment, especially for products such as electronics or gadgets from an online and offline outlet.
While this all sounds and seems really convenient, users are required to consider a few factors before moving ahead boldly transferring the credit card payment to an EMI payment mode. Users are required to be aware of their credit limit while transferring to an EMI option, as it can decrease the credit limit with every EMI option selected. A processing fee, or a joining fee, may be added without your knowledge; hence, users are also required to keep in mind to be vigilant about such fees that may be included in the list. Interest rates for EMI options may differ from card to card and bank or bank; hence, users are also required to be alert about the interest rates with their respective banks. Tenure must be chosen wisely by users to avoid any inconvenience.
EMI options are available on almost all e-commerce websites and offline stores, but what needs to be checked is if the credit card has that feature unlocked. Whether it's a big payment or a bigger and better payment, the EMI option is known to be the most popular among the middle class, as nothing is as convenient as paying tiny amounts every month to complete the total amount, along with a low interest rate or an almost no-cost EMI option. In any case, if any inconvenience is caused during conversion to the EMI option, the customer care of the respective bank will be available to address the query. This service may also differ from bank to bank.
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Ans: Yes, anyone is allowed to use their credit card to make the EMI payment, but users must be aware that this feature is not universally available, so it should be verified with the respective bank account.
Ans: The credit card EMI interest rates typically range from 11.88% to 24.84% per year, as per the HDFC Bank. Interest rates are typically known to vary between banks.
Ans: Factors that affect the interest rates of EMI are banks, credit cards, customer profile, Tenure and Type of EMI.
Ans: Yes, making EMI payments via a credit card can indeed decrease the credit limit of an individual.
Ans: Several banks in India are known for their popularity in facilitating EMI payments, including the State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, and Kotak Mahindra Bank.
Ans: Yes, EMI options are available on online shopping websites like Amazon. Users can add their product to the card, check out and while making the payment, users are required to opt for the EMI option and select their bank account, plus add in credit card details. If the credit card does not hold the EMI feature, users will not be able to make an EMI payment, online or offline.
Ans: Yes, many exciting cashback offers are attained by the user upon applying for credit cards and upon making big payments on electronics or gadgets and furniture.
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