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Terms & Conditions of EMI

The following terms & conditions apply to any transactions made using EMI as a payment option on Amazon.in.

Terms and Conditions of EMI

The following terms & conditions apply to any transactions made using EMI as a payment option on Amazon.in.

  • Amazon Seller Services Private Limited ("ASSPL") facilitates Equated Monthly Installments ("EMI") payment method on all purchases worth Rs 3,000 and above made on https://www.amazon.in/ using eligible credit cards.
  • The EMI facility is not available on digital content (Kindle ebooks) sold on https://www.amazon.in/ and accessed from https://www.amazon.in/
  • Customers can combine items from multiple sellers into a single purchase on https://www.amazon.in/ and convert the purchase into an EMI
  • The EMI facility is not available on purchases made using Debit cards, Net Banking or Pay on Delivery payment methods.
  • The EMI facility is being offered by the respective banks to the customer and ASSPL has no role to play in the approval, extension, pricing, modification, pre-closure, closure or any matter incidental thereto pertaining to offering of the EMI facility, which is decided at the sole discretion of the bank.
  • The EMI facility being offered by the banks to the customers is governed by the respective terms and conditions of each bank/issuer and the customer is advised to approach the bank/issuer in case of any complaint, dispute or enquiry about an EMI transaction.
  • Service tax, Education cess and other taxes will be levied by the banks on the charges levied by them for the EMI facility as mandated by applicable laws and regulations.
  • ASSPL reserves the right to stop facilitating this service on https://www.amazon.in/ without any prior notice.
  • ASSPL on a best effort basis displays representative EMI related information (EMI amount, Interest rate charged, Total amount payable) for the customer's purchase on its website as per the information shared with it by the respective banks on an "AS IS" basis. Banks/IIssuers are the authoritative source of this information and customers are advised to directly contact their bank/issuer for any further clarifications in this regard. For more information, we request you to review the terms and conditions of the respective banks offering such EMI facility.
  • ASSPL does not charge the customer any processing or convenience fee for the purpose of facilitating the EMI facility for its customers.
  • In the case of customer cancellations or return of items purchased on EMI, ASSPL will facilitate the refunds for and on behalf of the sellers as per the relevant refund policy. The customer is advised to check with the respective bank/issuer offering the EMI how the cancellations or refund will affect the EMI terms and of any pre-closure or interest charges levied on the customer.
  • ASSPL shall not be held liable for any dispute arising out of or in connection with such EMI facility being offered by the respective banks/issuer including but not limited to the authenticity and/or accuracy of any EMI information supplied by the banks to ASSPL for displaying on its website.

Terms and Conditions of Credit Card No Cost EMI

The following terms and conditions apply to no cost equated monthly installment ("EMI") transactions made using a credit card issued by any bank and using EMI facility as a payment option ("No Cost EMI")

  • The No Cost EMI facility is being offered to the customers who make a purchase transaction on www.amazon.in or the mobile application/ mobile site thereof (collectively, "Amazon.in") using a credit card issued by any bank using EMI facility; if available on Amazon.in
  • The No Cost EMI facility is made available on select products, as determined from time to time.
  • The No Cost EMI payment option can only be availed using the credit card of any bank on Amazon.in and is not available on purchases made using any other payment method including debit cards or net banking or pay on delivery payment methods.
  • Using the No Cost EMI payment option, the customers who undertake the purchase transactions on Amazon.in, will only pay amounts such that the total of these amounts during the EMI tenure is equal to the list price of the products as displayed on Amazon.in (at the time of making the purchase transactions). The participating sellers or brands (as the case may be) will provide amounts equivalent to the interest imposed by the banks to undertake the purchase transactions on EMI.
  • The banks issuing the credit cards reserve the right to charge Goods and Services Tax (GST) or other applicable taxes on the purchase transactions undertaken on EMI.
  • Customers can add more than one item to their cart and if all the products are available on no cost EMI, you will get no cost EMI discount on all. No Cost EMI discount will be calculated only on the eligible items in the cart.
  • Customers may avail the No Cost EMI facility, provided that:
    1. the order is not cancelled by the customer or the participating sellers or Amazon; or
    2. the product is not returned / exchanged by the customer.
  • The EMI facility is made available to the customers by and in the sole discretion of the banks issuing the credit cards. Amazon will not be liable for any claims on account of availability or non-availability of EMI facility.
  • Amazon reserves the right to stop No Cost EMI payment option at any time without prior notice and without any liability

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Terms & Conditions of Bajaj Finance No Cost EMI

The following terms & conditions apply to any transactions made using BFL EMI Card as a payment option on Amazon.in.

  • The Bajaj Finance No Cost EMI facility is being offered by Bajaj Finance Limited ("BFL") to the customers having a Bajaj Finance No Cost EMI card ("Card").
  • No Cost EMI (using the Card) as a payment method is available on select products sold by participating sellers on https://www.amazon.in/ ("Website").
  • The Bajaj Finance No Cost EMI facility can only be availed using the Card and is not available on purchases made using debit or credit cards issued by other banks, net banking or pay on delivery payment methods.
  • As long as all items in the cart are eligible for No cost EMI on BFL, you can avail the No Cost EMI with BFL option during checkout.
  • Amazon has no role to play pertaining to the Card including but not limited to its issuance, approval, any extension, pre-closure, or closure of any facility using the Card and such matters are solely determined by BFL.
  • The customer's use of the Card is also governed by the below hyperlinked terms and conditions prescribed by BFL and any other terms applicable to the use of the Card agreed between the customers and BFL.
  • By using the Bajaj Finance No Cost EMI facility, the customers hereby fully and unconditionally release and completely discharge Amazon against any claims (howsoever arising) in respect of use of the Card or the No Cost EMI facility, and all such claims (if any) will lie only against BFL. The customers also agree and acknowledge that Amazon will not be liable or responsible for any claim on account of availability or non-availability of No Cost EMI facility on the Website.
  • Amazon reserves the right to stop No Cost EMI facility at any time without prior notice and without any liability.
  • Amazon does not charge the customer any processing or convenience fee in providing the Bajaj Finance No Cost EMI facility.
  • If an order using the No Cost EMI facility is cancelled, any refund to the customers or cancellation of loan facilities using the Card will be undertaken by BFL. The customers hereby agree and acknowledge that Amazon has no role in this regard and that Amazon will not be liable or responsible for any claim on this account.
  • Amazon will not be held liable for any dispute arising out of or in connection with such No Cost EMI facility or the customer's use of the Card on the Website.
  • Please contact BFL for any queries in relation to the Card.

For terms and conditions applicable to transactions made with Bajaj Finance No Cost EMI card, visit:

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