How to Avail Debit Card EMI on Online Shopping on Flipkart : April 2019

Today, we are going to tell you everything about how to avail debit card EMI on Flipkart in April 2019. So, get ready with your HDFC, SBI, Axis and ICICI Debit Cards and enjoy buying mobiles, laptops, electronics, appliances and so many other things.

Availing debit card EMI on online shopping on flipkart is very easy now! In this post, we are going to tell you each and everything that you need to know to avail the benefits of EMI on Debit Cards.

No one has ever been sad with their hands full of shopping bags. Shopping makes the world a better place. It can be anything and everything that you have always wanted to have. And, with modern technology’s gift, it is even better. Now, shop your favourite items with Flipkart’s debit card EMI option. It is time to get ready and start shopping. Now, that we stand at the verge of modernization it is time to evolve with it. Sit within the comforts of your home and order electronics, latest mobiles, smart TVs, appliances, cameras, furniture, washing machine and so many other things. Of course, you know all about all of this, but did you know that now you have debit card EMI option? It is now time to start shopping at Flipkart for it has no cost EMI option on the use of HDFC, AXIS, ICICI, and SBI. No matter which product you like, now Flipkart gives you the option to buy it with the use of its EMI debit card option. Isn’t that just great?

Are you eligible for the Debit Card EMI option?

Are you excited to hear about this unique feature that Flipkart has brought up for you? Of course, you are. If you are in love with shopping, then know more about the factors that are applicable regarding the suitability of Debit Card EMI option. It is time that you are not disheartened by the price of the products that your heart is craving for. Now that you have the chance to shop with your Debit Card EMI option, there is nothing at all that can stop you, right?

Shopping online has its own range of benefits. From lower price to every item of different categories under one website is what you get. In the last couple of months, Flipkart has come up with a new option to make shopping even more fun and affordable than it used to be. There was always the EMI option on credit cards but now it has been transferred to debit cards as well. In a recent study, the Reserve Bank of India declared that the number of people who used a debit card were way more than the ones who owned a credit card. That is the main reason behind Flipkart’s Debit Card EMI option.

Flipkart has started out this venture with the leading four banks as its partners. SBI, AXIS, ICICI, and HDFC are the ones that Flipkart has amalgamated with. Flipkart has nothing to do with the eligibility of the user. It is the bank of the cardholder that makes this decision. The banking history and the transactions that have taken place in the past decide all of this. If you are eligible for Debit Card EMI, then you will find the option of it on the home page of Flipkart. For this, you have to be a registered customer of this website. You will come across it when you add a product to your cart and proceed towards the checkout. Amidst several payment options if you find the option of Debit Card EMI, then you have the chance to pay using this method. You can select instalment options according to your needs.

How to Check Debit Card EMI Eligibility on Flipkart?

There are two ways for checking SBI, HDFC, ICICI, and AXIS Bank debit card EMI eligibility on Flipkart on online shopping.

Method 1

You need to type DCEMI and send this to 57575 and you will get to know whether you are eligible to avail the benefits of Debit Card EMI or not.

Method 2

There is one more method to check for your eligibility to avail the debit card EMI option. On Flipkart app or website, the availability of the debit card EMI will appear under easy payments if eligible. Also, you can search for debit card EMI at the time of the checkout process.

How to avail Debit Card EMI option on Flipkart?

We understand you are excited about this whole new option about Flipkart but hold on to your guns. You need to know all about to start your all new shopping experience here. Flipkart is known amidst its customers for its unbelievable range of products and options to pick from. From Big Billion Day to its handy app. But, now Flipkart has come up with something different. It is the option of Debit Card EMI. Now, buying goods will be easier and way more convenient than it used to be. The first criteria that you have to meet to avail this mind-blowing option to buy things is a debit card that has been issued by SBI, ICICI, HDFC or AXIS bank.

Step by step ways to use the EMI option on Debit Cards.

Step 1 –  After you are done choosing what you want, proceed to the option that says check out.

Step 2 – When you go to the check-out page click on the option that says EMI or easy instalments. You have to click on the Debit Card EMI option.

Step 3 – Once this step is taken care of, you will be charged an amount. This is something that your bank will charge and not Flipkart. So, in case there is a cancellation of an order the option to use the Debit Card EMI will close for a period of three months. You will be charged with an interest by the bank whose Debit card you are using.

Step 4 – You will then be asked to enter the one-time password that will be sent to your registered mobile number. Enter that and accept the conditions (after going through it carefully).

And, voila. With a few easy steps, the item you want will be within the reach of your hands.

Pay attention to these FAQs :

We have gathered some of the most important frequently asked questions for you. Go through to see if it helps you out. These are designed in a way to clear every doubt you have about the whole new concept of Flipkart’s Debit Card EMI option.

Q: What do we mean by Debit Card EMI?

A: It is the same thing as Credit Card EMI. A customer will be able to pay for his purchases with the use of Debit Card and that too on a monthly instalment basis.

Q: How does the whole Debit Card EMI option work?

A: If your bank and Flipkart approve you to use this option, then it will be present on the payment option once you check out. The amount of EMI will depend on your bank transactions and previous history. You will have to wait for a minimum of four days for your bank to approve your request of EMI and then you can proceed to pay the amount in forms of EMI.

Q: Which products show the option of Debit Card EMI on Flipkart?

A: This option is available on electronics, laptops, furniture, mobiles, TVs and so on. In order to find out whether or not your selected product is available for EMI on Debit Card or not, you have to proceed to the check-out option.

Q: Which Debit Cards carry the option of EMI and what is the criteria?

A: Right now, only four banks provide the option of Debit Card EMI. They are SBI, AXIS, HDFC, and ICICI. Although, no minimum balance is required for you to qualify the whole procedure there is still one criteria. You must have sufficient amount in your bank account to pay off your EMI.

Q: What is the minimum amount of product that you have to buy from Flipkart to avail the offer of Debit Card EMI option?

A: It is eight thousand rupees for SBI, ICICI, and AXIS but for HDFC bank it is ten thousand rupees.

Q: What happens when an item is returned or cancelled?

A: Money is returned back to the customer in case there is a return or cancellation. However, the bank might charge some amount for cancellation.

Q: Is there any down payment or additional charges?

A: No, there are no additional charges added to the product. However, the bank will add GST on your interest amount.

Buy what you want

Flipkart has finally made it possible to buy whatever one wants without having to worry about money. The option to own the desirable items at amazing prices can only happen at India’s greatest online shopping website – Flipkart. With this whole new option of Debit Card EMI, everything will seem attractive. All you have got to do is check whether or not the availability of it. On facing any kind of problem regarding payment or completion of a transaction reach out to the customer services. They will provide you with all the guidelines you need.

Every step that Flipkart takes is done keeping in mind the happiness and convenience of the customers. This is one more way to make the entire experience of shopping fun and easy.

Also, you will be able to obtain additional discounts on products at Flipkart with the help of the debit and credit cards. You just need to check out the Flipkart bank offers before your purchase. So, for upcoming sales on Flipkart, wait no more and check the offers now!

How to Avail Debit Card EMI on Online Shopping on Flipkart : April 2019
5 (100%) 2 votes

Aniket can be defined as a passionate blogger, a tech freak, and a complete shopaholic. He aims to provide a helping hand to the people by enabling a way to save money on shopping by presenting the best online deals & sales updates. With more than 5 years of rich experience in the industry, he assures to provide fully researched content.

  1. i am not able to get the debit EMI option on my SBi debit card for redmi note 5 pro

    • Hello Aditya,
      Debit card EMI is available on Redmi Note 5 pro.
      You have which debit card of SBI ?

      Have you checked your card eligibility by sending SMS?
      Type type DCEMI and send it to 57575 .

  2. Why I am not eligible for debit card EMI as I am having SBI ACCOUNT?

    • Hello Animesh,

      Currently, Axis Bank, State Bank of India (SBI), HDFC Bank and ICICI Bank is having Debit Card EMI facility on flipkart but Only a select base of pre-approved customers will be eligible for EMI on Debit Cards. Eligible customers will see this option on the payment page during checkout. However, the base of pre-approved customers is likely to change with time hence a customer who might not be eligible today might be made eligible at a future time. Eligibility is decided by the respective bank and not by Flipkart

  3. Please activate my DCEMI On Flipkart

  4. I am not eligible for debit card EMI as I am having SBI ACCOUNT!
    How I eligible for this?

    • Hello Biswajit,
      The base of pre-approved customers is likely to change with time hence a customer who might not be eligible today might be made eligible at a future time. Eligibility is decided by the respective bank.

  5. I am not eligible for debit card EMI as I am having SBI ACCOUNT!
    How I eligible for this?

  6. Syndicate Bank

  7. I am unable to buy Mi note 5 pro on emi.. As i have checked my sbi sms service. Its not activated emi service.. How to activate it..

  8. I typed DCEMI and send this to 57575 but not able to send it.

  9. Hi,
    Sir already send the message to DCEMI TO 57575 but no message is coming.

    • Hello S Sundaram,
      A message should come.
      Your mobile number is linked with your flipkart account and bank account?
      Have you saved your card details on flipkart.

  10. How should i have to eligible my hdfc card for emi on flipkart its showing card not supported what should i do

    • Hello Akshay,
      Have to send DCEMI to 57575 ?

      What HDFC bank card do you have?
      Might be your card is not eligible for HDFC debit card EMI.

  11. HELLO,


  12. When i send this message it shows failed . what can i do

  13. Bank of Baroda debit card????

  14. punajab national bank

  15. I got error on transaction offer expired bank declined Ur transaction.

  16. Is it necessary to save debit card on Flipkart to get reply on eligibility of debit card emi

  17. In how many days the amount that is blocked while purchasing will be released?

    • Hello Brinda,
      It’s simple.

      Bank will convert the payment into EMI within 4-7 business days. Your monthly debit card statement will reflect the EMI amount with the interest.

  18. please Active my SBI debit emi.

  19. I can’t send the message to 57575. HDFC says my card is eligible for Debit Card EMI. But the mobile number linked to my HDFC account is not the same number as in the Flipkart account. So, I changed my mobile number in Flipkart yesterday and tried sending that message again. And still can’t send it. Tried several times with no success.

  20. I have an option of debit emi on flipkart and i have also purchased one item. I have a limit 570000 from bank but right now i am unable to view my debit emi on payment options. please solve my issue

  21. I’m trying to send DCEMI to 57575 but message not sending. I tried many times but not working

  22. My phone no. Registered in SBI and flipkart account is different. Is there any problem to avail debit card emi in flipkart?

  23. How would I get informed about my debit card emi availability?

  24. i am not eligible why?

  25. I filled the form of sbi debit card emi option eligibility but there is no response from sbi

    Leave a reply