How an EMI Card Works to Your Advantage

Some of us often shy away from availing of EMI finance due to varied reasons. We may be afraid of high interest rates. It is perceived as one huge expenditure. This is why we often steer clear of purchasing gadgets or other items with consumer durable loans and the like. We are often worried about the huge EMIs that we have to encounter. Big EMIs equate to greater dents in our monthly household budgets. We remain anxious about huge costs of interest and other processing charges which add up to cumbersome EMIs in case we take out conventional loans from financial institutions or even with credit cards. This is why we skimp on buying any necessary item at present and wait for a more favorable time when we can purchase in cash.

Why purchase in cash even if you have saved it up? Why spend such a big sum of money in one go? Why not, instead, get your desired item without having to plonk down such a big amount and save on EMI costs at the same time? Is this even possible? This is only possible with the help of an EMI Card which is a revolutionary tool available for customers. Taking advantage of this card will help you have your cake and eat it too! You can save money hugely on your EMIs along with avoiding huge upfront payments at the same time. This is not a credit card, it is a solution specially tailored for those who have to shop for necessary items online on EMIs.

More on EMI Card Online Shopping

Now you can always get a whole bouquet of EMI card offers online. There are plenty of offers that you can check out in this regard. Wondering about the EMI card interest rate? Well, sit up and take notice because there isn’t any! There is absolutely no interest rate that you have to pay along with any processing fees. You only have to repay the principal amount or the price of the item that you are buying on loan. This is the beauty of EMI card online shopping. You do not have to make any down payment as well. All you need to do is choose your tenure from the options available and repay in easy monthly installments.

An EMI card takes away the rigors of conventional consumer durable loans and the like. You can simply use it like a pre-approved loan which helps you get your desired item on a suitable repayment plan minus any added interest or other costs for a particular tenure. There is minimal paperwork and hassles involved in the process which is another big benefit that you will relish. This card can be used at several leading online and offline stores including retail brands in the country.

What Can You Buy With Your EMI Card?

You can use your EMI card to purchase items across a wide range of categories. You can opt for essential home and kitchen appliances like microwave ovens, refrigerators, air conditioners and the like. You can also buy furniture for your home along with other décor items in tandem with fashion items. Now this includes clothing, accessories, jewellery and what not! You can also purchase gadgets like laptops, tablets, mobile phones and so on. There are multiple categories across which you can shop with your card. Here’s hoping for happy shopping experiences with your EMI card in tow!