Debit Card EMI will show consumer loan only.... it's not like credit card EMI
My journey with HDFC so far (six months old 5k MAB)The offers on your account will start in a pattern.....
First you will see offers of pre approved bike loan
Then you will see option of pre approved flexi pay
Then... You will see option of debit card emi
Then at last you will see option of pre-approved credit card
Time limit can vary with acc3age and usage pattern.... Use more of Netbanking and debit card for transactions for quick process of above options...
This is based on my observation....
Depends on the relation with the bank, I got it after few months.it took me 2 years for getting dcemi offer