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, ICICI, SBI, Kotak Mahindra , and Federal Bank etc.
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.
- The minimum order value must be Rs.5,000 to qualify for the debit card EMI option on the platform.
- 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.
- A user can check their eligibility by sending an SMS “DCEMI” to 567676 for SBI or “MYHDFC” to 5676712 for HDFC from their registered mobile number.
- 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.
- The bank will charge a one-time processing fee which typically ranges from Rs.99 to Rs.199 plus GST depending on the specific bank’s policy.
- 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.
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.
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.299 | Rs.3,000 |
ICICI Bank | Rs.199 | Rs.5,000 |
Kotak Bank | Variable from Rs.99 to Rs.2,999 + GST | Rs.5,000 |
Axis Bank | Rs.299 + GST | Rs.5,000 |
State Bank of India (SBI) | Rs.99 + GST | Rs.8,000 |
Federal Bank | 1% of transaction amount or Rs.99 (plus GST) | Rs.5,000 |
Under the current Amazon policy, it is advised that a user must check the specific page product to see if their bank offers a “No Cost EMI” which may waive the interest charges entirely. This facility is subject to the bank’s internal credit assessment of the customer.
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
✅ A State Bank of India (SBI) customer can check their eligibility by sending the SMS “DCEMI” to 567676 from their registered mobile number.
✅ The Federal Bank customers can send the SMS “DCEMI” followed by a space and the last four digits of their card to 5676762.
Related Articles on Debit Card
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.
- Under the latest guidelines, the No Cost EMI payment option is accessible on Amazon.in when using an eligible debit card from banks such as HDFC, ICICI, Axis, Kotak, SBI, and Federal Bank, and is not available when using net banking or cash on delivery payment options.
- 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. however, the 18% GST on the interest component and any bank processing fees are not waived and must be paid by the customer.
- At the time of purchase, the customer’s bank may either place a hold on the full transaction amount on the debit card or require the account to maintain a minimum balance equal to the first EMI, depending on the bank’s internal policies.
- The bank retains the final authority to approve or decline an EMI transaction, based on the customer’s credit profile as well as its internal risk assessment and fraud control policies.
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.The bank will also charge a non-refundable one-time processing fee ranging from Rs.99 to Rs.299 plus 18% GST at the time of the first installment. That 18% GST is also applicable on every monthly interest component charged by the bank throughout the tenure.
- 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. An individual can also check their eligibility by visiting the product page on Amazon, where the “Debit Card EMI” option will be visible under the EMI section if the account is pre-approved.
- How will I repay my EMI?
Your bank will set up standing instructions on your SB account to debit monthly EMIs. Maintain sufficient balance. To pre-close the loan, contact the bank; additional fees may apply.
- 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. It is important to understand that even with a No Cost EMI, the bank still levies interest. However, an upfront discount equal to the total interest is provided at the time of purchase, effectively bringing the net interest cost down to zero.
- 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. Under bank-led EMI models, cancelling part of a multi-item order may lead the bank to either lower the loan principal or credit the excess amount back to your savings account, while continuing the original EMI schedule on the full amount. In some cases, if the updated order value drops below the required minimum, the bank may cancel the EMI arrangement altogether and convert the outstanding balance into a regular loan.
- 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. One reason can be that your bank has not pre-approved your account for the EMI facility, based on factors such as your transaction history and account balance.
- Can I buy a phone on EMI from Amazon?
Yes, you can buy a phone on EMI from Amazon.
Karishma VP has over a decade of experience in content writing which includes over five years specializing in personal finance. Her career in BankBazaar has given her the opportunity to write on a wide variety of financial products ranging from credit cards and home loans to insurance policies and government schemes. She believes that an understanding of personal finance is an important step to leading an independent, empowered life. This has led to her being passionate about learning more about the BFSI sector and writing about personal finance as clearly, concisely, and accurately as possible to make it accessible to a larger audience through BankBazaar.
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