emi

I got message today " Instant discount and payback given upfront will be debited within 120 days " ? Did anyone cancelled emi before 120 days and there discount amount was debited from card ? Although they are sending messages to people but till now i haven't heard that they have charged people...

I want to purchase a mobile phone with Rs 60k for my friend. He needs to do it with no cost EMI . If I purchase the product with full amount and later if I converted to EMi should I get the cashback?? Any trick/tip?? Does Cashback for EMI using this conversion works with sbi cashback card...

Hey all, I recently bought a TV and had to opt for Merchant EMI for instant discount. As per the terms, its a 3 month EMI and the interest amount will be credited back after completion of the EMI payment. Here are my questions 1. If I cancel the Merchant EMI after it is processed will I get...

Kiwi launches interest-backed EMI on UPI with cashback option (100% cashback on interest): Fintech firm Kiwi is rolling out an interest-backed EMI option on UPI payments, allowing users to split big-ticket purchases into instalments while earning back the interest paid as cashback. The...

I purchased a phone recently, got 6000Rs discount with SBI credit card. For No cost emi, i didn't received instant discount on Intrest. It is showing as cashback after 90 days. So if i cancel emi for sbi card, will i still get cashback after 90 days? Did

Hello, I have purchased iPhone 17 base variant with my axis credit card so i got instant discount and ncemi discount of 3,500 now if I cancel the merchant emi will I recive the foreclosure charges? I contact customer care they said that if i have availed instant discount with merchant then bank...

I had placed a laptop order on Flipkart for approx. 64k on 07 May 2025, During delivery (09 may) time as old laptop exchange wasn't accepted by the agent I cancelled the order as I had got additional 10k discount for exchange along with the laptop exchange amount, later on the same day (09 may)...

I am planning to make a part pre-payment on my home loan and would like to adjust the monthly EMI based on the reduced principal balance after the payment. However, the bank official informed me that adjusting the EMI in this way would be reported as a “loan rescheduled” entry in CIBIL...

Hey there, Has anyone recently tried the no cost emi cancellation trick with AXIS credit card, was it successfully done without any pre closure charges. If yes, please mention the date of transaction. Big billion days coming up, this will help us in making informed decision.

Hi, I have a home loan of (say 1 cr). Suppose 70L got disbursed and I pre-paid 30L. The current EMI is around 1 lakh. (Since on last disbursement, I asked to keep tenure constant) Hence high EMI for remaining tenure of 4 years. Now for the next disbursement, (Around 7L) I want the EMI to be...

Hi, I am struggling to understand how much total I will pay if I buy a product on EMI vs without EMI. For example: For the following product, HDFC EMI has 7000 off. So my cart value become 30999. Now on the payments page. I am seeing this: Other than the processing fee (299), will I be...

I purchased one TV last week. During the bill payment the sales guy told that I will get 2000 rs discount on EMI option on SBI credit card. As I didn't have it, i asked my friend to puchase it on his credit card and I will pay EMI monthly. He agreed and purchased on his SBI credit card...

Hey guys. I just bought a phone from Flipkart yesterday for around Rs. 60K after 12 months NCEMI and other discounts. I was wondering if I can pay the total balance right now before it gets converted to EMI. Will I still get the foreclosure charges? Will the Rs. 10K EMI discount that I got be...

Hello I purchased Samsung AC on 1st APR from offline store. I done payment using kotak credit card and salesperson created 3 month No cost EMI as there is a instant 4000 off on emi conversion. He told me that you got interest as a cashback after 90 days. 90 days passed but still i not get any...

Update: i found that the final cost would be 50K itself as it is not no-cost emi. on top of there will be 18% so another rs734. better to go via instant 4k discount. Hi, a month ago i canceled my pixel card because i had only 1.20 limit on millennia which i wanted to cross 1.5 for tata neu...

On 17th June, 2025, I bought an electronic appliance from Croma using my Tata Neu Infinity credit card and chose the Low-Cost EMI for 6 months to get around ₹6,000 instant discount, whose summary is as follows: The total amount debited from my card was ₹37,613.33. As I'm aware, HDFC provides...

I have done a txn of ~70k as emi and the bill was generated before emi conversion and i got 2100 points for that. What will happen to rp once the emi conversion happens ? Will the RP also gets rolledback ? The plan is to foreclose the emi once it's converted. Will i get the RP again after...

Hi Everyone, I am trying to purchase this product at TataCliq luxury website and following is coupon available. https://luxury.tatacliq.com/flexnest-adjustable-iron-dumbbell-weight-adjustment-(5kg-to-40kg)-for-home-workout,-40kg,-set-of-2/p-MP000000013989861 i want to know if i avail this...

My CIBIL score was 772. I had some EMI's on some my credit cards. Credit usage was around 29%. So, I foreclosed the EMI's. I checked the CIBIL score today and the credit usage was reduced to just around 4.5%. However, my credit score has been dropped to 770. Is this normal? Could this be the...

Mujhe apne hdfc credit card mai no cost emi close krni hai Product purchase- 17/05/25 No. Of months-6months Statement generation date- 21/05/25 1st emi toh post ho gyi hai statement toh agar mai ab cancel krunga toh processing fees wapis hogi kya? Aur es mai toh jo no cost emi ka discount...