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Many of us want to buy the latest smartphone available in the market to stay updated with the technology. Most convenient and affordable way is to buy a mobile with EMI. Most online retailers have this facility but only with credit cards. According to RBI, there are only 3.14 crore credit cardholders compared to 79.38 crore debit cardholders. Hence it is natural to think of Mobile on EMI without the credit card, i.e., EMI with the debit card. Fortunately, Flipkart and Amazon have come up with this facility.
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Mobile on EMI without Credit Card (Debit card EMI) on Amazon
Partner Banks
At present Amazon has partnered with HDFC. Axis and ICICI bank for Debit Card EMI. Unlike Flipkart, all HDFC debit cardholders are eligible to purchase with EMI.
HDFC Debit Card EMI Plans
| Details | 6 months | 9 months | 12 months |
|---|---|---|---|
| HDFC Debit Card | 16% | 16% | 16% |
ICICI Debit Card EMI Plans
| Details | 3 months | 6 months | 9 months | 12 months |
|---|---|---|---|---|
| ICICI Debit Card | 14% | 14% | 14% | 14% |
Axis Debit Card EMI Plans
| Details | 3 months | 6 months | 9 months | 12 months |
|---|---|---|---|---|
| Axis Debit Card | 14% | 14% | 14% | 14% |
How to buy in EMI without Credit card on Amazon
- Login to your Amazon account.
- Go to the product page you want to buy. Search your favorite here:
- In payment page, enter your card details
- Select number of months for EMIs.
- Complete the payment by submitting the OTP.
Check more details at Amazon
Notes:
Unlike credit cards, the entire order amount isn’t blocked on your account card. Amazon will use the pre-approved overdraft facility enabled by your bank for your purchase on Amazon.in. Depending upon your EMI tenure your installment will be deducted as follows-
- If an order is placed between 1st and 19th (both the dates inclusive) of a month, then the first installment will be due on 5th of the following month.
- If an order is placed between 21st and 31st (both the dates inclusive) of a month, then the first installment will be due on 5th of the subsequent following month.
If you cancel or return an order purchased using EMI (including, Credit Card No Cost EMI) Amazon will refund the entire purchase amount to you immediately and the EMI will be canceled. You will then need to contact your bank to confirm how the EMI scheme on your credit card has been modified, or for any queries on foreclosure.
Mobile on EMI without Credit Card (Debit card EMI) on Flipkart
Partner Banks
At present, Flipkart partners with Axis Bank, State Bank of India (SBI), HDFC Bank and ICICI Bank to offer Debit Card EMI facility to customers. The Debit Card EMI option is available to select Flipkart customers at the discretion of the bank partner.
Eligible for Debit Card EMI?
The Debit Card EMI option from Flipkart is currently available for selected customers who are pre-approved by the bank partners. Eligibility is determined by the bank partner based on the customer’s past transaction history and relationship with the bank.
Note: If you are not able to see Debit Card EMI option then you should first add your debit card details in “My Profile” menu of your login. Follow the links as:
Website: Your login name>My Profile>Saved Cards>Add New Card
App: Menu>My Account>My Wallet and Cards(view details)>Add New Card
How to buy mobile in EMI without Credit card in Flipkart
To check if you are eligible for Debit Card EMI
- Login to your Flipkart account.
- Go to the product page you want to buy. Search your favorite here:
- If you are eligible for Debit Card EMI, you will see this option in payment options as below:
- If Debit Card EMI option is available, add the product to cart and checkout. Select EMI(Easy Installments) as shown below:
- In the final step of check out select your pre-approved bank as the payment option:
- In next step select number of months, e.g. 6, 9, 12 months, enter your Debit Card details with CVV.
- You will receive the OTP on your registered mobile. Submit the OTP and complete the order.
Check more details at Flipkart
Notes:
The minimum purchase amount applicable for Debit Card EMI is ₹5,000 ICICI Bank, Rs. 8,000 for Axis Bank and SBI and Rs. 10,000 for HDFC Bank.
Top Mobiles with EMI
Samsung mobiles on EMI without Credit Card
Samsung On5 Pro (Black)
- 8MP primary camera with auto mode, beauty face, continuous shot, interval shot, panorama mode and 5MP front facing camera with palm gesture selfie and 120 degree selfie mode
- 12.7 centimeters (5-inch) TFT capacitive touchscreen with 720 x 1280 pixels HD display
Samsung On7 Pro (Gold)
- 13MP primary camera with auto mode, beauty face, continuous shot, interval shot, panorama mode and 5MP front facing camera with palm gesture selfie and 120 degree selfie mode
- 13.86 centimeters (5.5-inch) TFT capacitive touchscreen with 720 x 1280 pixels HD display
Samsung On7 Pro (Black)
- 13MP primary camera with auto mode, beauty face, continuous shot, interval shot, panorama mode and 5MP front facing camera with palm gesture selfie and 120 degree selfie mode
- 13.97 centimeters (5.5-inch) TFT capacitive touchscreen with 720 x 1280 pixels HD display
Samsung Galaxy J7 Nxt (Black, 16GB) with Offers
- 13MP primary camera and 5MP front facing camera
- 13.97 centimeters (5.5-inch) capacitive touchscreen with 1280 x 720 pixels resolution
- Android v7 Nougat operating system with 1.6GHz Exynos octa core processor, 2GB RAM, 16 GB internal memory expandable up to 256GB and dual SIM dual-standby (4G+3G)
Samsung Galaxy On7 Prime (Black, 4GB RAM + 64GB Memory)
- 13MP primary camera with f1.9 with auto focus and rear flash and 13MP front facing camera
- 13.88 centimeters (5.5-inch) FHD Display with 1080 x 1920 pixels resolution
- Android v7.1 Nougat operating system with 1.6GHz Exynos 7870 octa core processor
Samsung Galaxy On8 (Black, 3 GB RAM + 16 GB Memory)
- 13MP primary camera and 5MP front facing camera
- 13.97 centimeters (5.5-inch) capacitive touchscreen with 1920 x 1080 pixels resolution
- Android v6.0 Marshmallow operating system with 1.6GHz S5E7580 Exynos 7580 octa core processor, 3GB RAM, 16GB internal memory expandable up to 128GB and dual SIM (micro+micro) dual-standby (4G+4G)
Samsung Galaxy A7 SM-A710FZDFINS (Gold)
- 13MP primary camera and 5MP front facing camera. For more details, refer section on Product Description
- Delivered by Samsung authorized store
- 1 year brand warranty for device and 6 months brand warranty for in-box accessories including batteries from the date of purchase
Samsung Galaxy J7 Pro (Black, 64GB) with Offers
- 13MP primary camera and 13MP front facing camera
- 13.97 centimeters (5.5-inch) capacitive touchscreen with 1080 x 1920 pixels resolution
- Android v7.0 Nougat operating system with 1.6GHz Exynos 77870 octa core processor, 3GB RAM, 64GB internal memory expandable up to 128GB and dual SIM dual-standby (4G+3G)
Samsung Galaxy A8+ (Gold, 6GB RAM + 64GB Memory)
- 16MP primary camera with 30fps and 16+8MP front facing camera
- 15.24 centimeters (6-inch) Super Amoled capacitive touchscreen with 2220 x 1080 pixels resolution 16M color support
- Android v7 Nougat operating system with 2.2GHz + 1.6GHz Exynos 7885 octa core processor, 6GB RAM, 64GB internal memory expandable up to 256GB and dual SIM (nano+nano) dual-standby (4G+4G)
Samsung Galaxy A8+ (Black, 6GB RAM + 64GB Memory)
- 16MP primary camera with 30fps and 16+8MP front facing camera
- 15.36 cm (6.0") (Full Rectangle)/15.18 cm (Rounded Corners) Full HD+ sAMOLED Display
- Android v7 Nougat operating system with 2.2GHz + 1.6GHz Exynos 7885 octa core processor, 6GB RAM, 64GB internal memory expandable up to 256GB and dual SIM (nano+nano) dual-standby (4G+4G)
Samsung Galaxy S7 Edge SM-G935F (Black Pearl, 128 GB)
- 12MP primary camera with auto focus, motion mode, panorama mode, f/1.7, hyper lapse, slow motion, pro-mode, live broadcast, video collage, virtual shot, food mode and 5MP front facing camera with selfie flash, f/1.7 and CMOS
Google Pixel mobiles on EMI without Credit Card
iPhone on EMI without Credit Card
Also see: Bajaj Finserv EMI Card Mobile Purchase Online [0% Interest]
You may also like: Card-Less EMI using Amazon Pay – Instant Credit up to ₹60,000
Last updated on September 25, 2018
