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  • How to pay EMI in Amazon for online shopping

    Do you want to pay EMI in Amazon for online shopping? Ask for a step by step guide from our technical experts.

    I would like to know how to pay the EMI option at Amzon online shopping since the process is little different seems for paying via Debit card or online banking for purchasing some item. If you have good experience on such transaction then let me know step by step process of paying EMI option in Amazon for purchasing the items from them. Also, let me know which items doesn't allow Amazon to pay by EMI? In some case if Amazon is ready to accept EMI but it is not accepting it by them just because of our debit card is not eligible for EMI, so how to convert our Debit card to EMI option? Kindly explain.
  • Answers

    5 Answers found.
  • Well, the EMI option would depend on the product and also on whether Amazon makes the offer available under EMI transaction.

    The EMI option does not seem to be available for payments by Netbanking or debit card. Amazon offers EMI facility only on credit cards.

    If you have any of those cards and would wish to make payment through them, you can choose the option to make payment through EMI. Also please note that the transaction value should be more than Rs. 3000 for it to be eligible for EMI offer.
    However, since you are interested in Debit card or Netbanking transactions, I am sorry to state that you will not be able to opt for the same.

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  • EMI option is NOT available for the debit cards and netbanking. The EMI option being offered by Amazon is very specific to some of the brands and the credit cards and are limited for some specific banks. Also the value of the product needs to be higher for EMI scheme to be applicable. Each bank has different criteria for that so the bank availability under this scheme may vary. Do note that not all products and sellers have the EMI option enabled from the Amazon. So it depends on the type of products and the offer if available for that product.

  • Both Amazon & Flipkart allows EMI for most of the products and they are selective in allowing EMI to the product. For example Moto E which costs around 5000 is also available on EMI in Flipkart. To avail the option of EMI, you need to have a credit card, neither debit card nor net banking works.

    EMI option is available on HDFC Bank, Citibank, ICICI Bank, SBI Card, Standard Chartered Bank, Kotak Mahindra Bank, Axis Bank and HSBC credit cards. We don't have any option to convert the debit card to credit, the only alternative is to get a credit card from your bank or use your friend's card or any relatives.

    For more details you can visit this link -->>

  • There is no option for paying EMI through Debit Cards in Amazon, neither Net Banking, nor Cash on elivery.

    The reason being is very simple:

    1. The Debit Card, Internet Banking and Cash on Delivery options all are dependent on the account balance of the individual which doesn't guarantee the payment, as people might leave their job might not be left with that much amount or simply might not choose to pay.

    2. It becomes the responsibility of the Amazon to receive the payment and prevent themselves from cheating.

    3. The Credit Card will anyway guarantee the payment to Amazon, and if the individual fails to pay back, the headache is taken up by the Bank and not by Amazon.

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