EMI is the solution of every expensive product. I frequently use EMI option to purchase latest gadgets, phones, etc. Recently Amazon India has opened the EMI door for HDFC bank debit cardholders. Yes, now you can buy anything above 10,000 INR from Amazon India using the HDFC Debit Card EMI. Here I’m going to show you how you can avail the HDFC Debit Card EMI option on Amazon India and how to check if you are eligible for this special offer by HDFC bank.
You must be 21 years old to available this offer; you must have a Cibil score. To check your eligibility and credit limit for HDFC Debit Card EMI offer, simply follow the step mentioned below:
Check Eligibility for HDFC Debit Card EMI
The process is very simple, you just need to send an SMS, and you’ll get a reply with your eligibility and credit limit.
SMS: DCEMI xxxx
Here “xxxx” the last four digit of your HDFC Debit Card.
If you get a reply like: “Thank you for contacting HDFC Bank. We regret to inform you that you are not eligible for this product currently. Please check with the merchant for our NEW consumer durable loan”. That means that either you are not 21 years old or you don’t have a good Cibil score.
That’s how you can check your eligibility for HDFC Debit Card EMI offer.
HDFC bank credit card normally charges 13%, but as you can see in the image above, the HDFC Bank Debit Card EMI will charge 16% of the total amount.
There is only 6, 9, and 12 months plan available for HDFC Debit Card EMI payment.
So, if you are eligible for this offer and don’t have a credit card than this is the best EMI option you are getting right now. But if you already hold a credit card, I don’t think that it’s the best offer for you. You’ll just have to pay 3% extra.