EMI options and offers from PayTm online shopping
PayTm mall is offering online stores with electronics and fashion products, and for large value items you can buy on Easy EMI with and without Credit Cards.
No Cost EMI
Some Major Credit cards offer No Cost EMI on PayTM with cashback, if you paid interest of Rs 500 for 3 months EMI. You will get Cash Back of Rs 500.
Below is example of HDFC Credit Card with 3/6 month EMI plan.
So finally you don’t have to pay any extra for 3 or 6 month EMI plans.
| Bank | 3-month | 6-month | 9-month | 12-month | 18-month | 24-month |
|---|---|---|---|---|---|---|
| HDFC | 12% | 12% | 13% | 13% | – | – |
| ICICI | 13% | 13% | 13% | 13% | – | – |
| SBI | 14% | 14% | 14% | 14% | N/A | N/A |
| Kotak | 12% | 12% | 14% | 14% | 15% | 15% |
| AXIS | 12% | 12% | 13% | 13% | – | – |
| HSBC | 12.5% | 12.5% | 13.5% | 13.5% | – | – |
| IndusIN | 14% | 14% | 14% | 14% | – | – |
N/A : No EMI options available for this tenure.
Bajaj Finance
If You have Bajaj Finance EMI card, you can use to get 3 and 6 month EMI without any extra cost.
Below image shows example of Bajaj Finance EMI Card option.
The table below shows a representative rendering of EMI plans for a Rs 20,000 purchase on Paytm?paid using the EMI payment plan.
| Tenure (months) | Loan amount | Monthly installment | Bank interest rate | Total effective price you pay | Interest paid to Bank |
|---|---|---|---|---|---|
| 3 | Rs 20,000 | Rs 6,800.44 | 12.00% | Rs. 20,401.33 | Rs. 401.33 |
| 6 | Rs 20,000 | Rs 3,450.97 | 12.00% | Rs 20,705.80 | Rs. 705.80 |
| 9 | Rs 20,000 | Rs 2,344.32 | 13.00% | Rs 21,098.89 | Rs. 1,098.89 |
| 12 | Rs 20,000 | Rs 1,786.35 | 13.00% | Rs 21,436.15 | Rs. 1,436.15 |
Important Terms
- Interest cashback does not include shipping charges
- Your Bank will convert to EMi in 3-4 days
- For No Cost EMI cashback, you need to do KYC
- Cardholder will get 100% Cashback on the interest part of EMIs as ?Cashback? upon successful completion of a transaction using ?Credit Card? issued by ?Bank? on Portals.
- Cashback will be pushed in your Paytm Wallet within 45 days of successful delivery of your order.
- No Cost EMI facility is made available on select products
- No Cost EMI option is not valid on corporate, commercial, EMI cards issued by the Bank.
Will I get paytm cashback immediately if I pay through EMI or only by the end of the EMI
Cashback will be added after shipment of the product.
When?
on EMI, can I get cash back?
if I can get cash back,
when will I get?
1) after shipment of product
2) after the payment of emi
On emi, cashback is applicable????
Yes cask back will be applicable
When Cashback will be credited
Will emi option be available on debit cards? And what if we have a Bank of Baroda debit card and none of those shown on ur website
no emi is not available on debit cards
Can we use debit cards to buy products on paytm?
why we are shown full amount deduction message when we apply EMI option..what amount will be deducted exactly….Please reply soon as i want to use EMI option but am confussed about the deduction
It will be convert to full EMI .
I am also having same problem in Paytm.. It shows full amount while paying even though I select emi option while payment.. Please help
Its not a problem, it the way EMI works.
After successful full amount debit it will converted to EMI. So you have to pay EMI only.
Will emi option be available on debit cards?
emi is calculated on the full amount of the product or the price after cash back. Assume i am buying a product worth 70000 and paying for 12 months at @ rate of 13%, what will be my emi ?
For paytm , your emi will be as shown on checkout page. Will update the Paytm EMI process. Be subscribe to this mail list.
i put 3 months emi icici credit card for purchasing j5(Rs.12869). but in the statement it is showing full amount of Rs.12869 due. While on the same day i purchased MI4i on flipkart on the same card, this transaction is showing 1 month installment (Rs.3298+108).
can any one tell me what is happenning with paytm EMI.?
Now, do i have pay whole amount?
From my observation, Your PayTM emi is not converted yet. and still your bill generated.
In this case please check your Online Statement of credit card after 5-6 days the amount should be only EMI.
Can I purchase from debit card choosing emi option
If we cancel the EMI and refund , what will happen to cashback?
Your refund will not have cashback amount.
Product cost: 10000 , cashback 2000. then refund amount will be 8000.
any processing fee for EMI for any bank?
in paytm any processing fee for EMI for any bank?
Paytm Emi Not Available for Debit Card
Yes.. Only credit card is valid for emi option
Suppose I have to purchase something worth 80K, my card limit is 50K. So how do I make a down payment of 30K and make the rest 50K as EMI?
You can add 30k in Paytm wallet. using Debit card or netbanking.
While payment use wallet + credit card EMI.
I want purchase a led TV in emi offer with debit card, I not have a credit card
plz help me or contect me my contact no. 09587362652
Debit card is not valid for emi option.
Cash back is applicable if we opt for emi
yes
I had purchased with emi basis, how paytm refund to me?
Return to my credit card or paytm wallet? Please reply.
If iam buy with credit card samsung j7 emi after that i can cancel the order and refund amount will be credit in my paytm account or credit card
Refund will be credited back to your credit card.
I bye a iphone 5s with emi.
I have only sbi account book , no chaque book or no atm or credite card.
sir I have bank of baroda credit card so what will I do if I want to choose emi option
what if i cancel the order later after choosin emi option. where will i get refund?
And will my EMI get cancel and bank puts any charges? can i get the amount back in wallet?
if first bill is not generated then, you will not be charged any
no you can not amount in bank wallet
yes. you will get refund
EMI option is not getting accepted for my HDFC debit card.
Please let me know the solution.
Cashback available on EMI
yes
Hame cashback Milega Agar Hum EMI Karate Hain
Can i avail emi by sbi debit card?
I want to book flight in April, 2017 from delhi-goa-delhi on EMI give me suggestion
CITI bank credit card EMI option available?
Cashback is available on emi
How can I purchase emi online shopping with bank of Baroda credit card…….
This bank card not show any
online shopping why please
tell me any one please reply……..
My cashback is not added to my wallet till now as I purchased the item on 14 April and received it on 15 April.
I made a Replace order on 17 April and immediately call customer care to cancel that return ordrer.
When will the cashback credited to my paytm Wallet.
What are requirements for EMI on paty m except debit card
I am trying use axis bank credit card for EMI option but its showing not available for this card. Is there any card type requirement for EMI option
Which type of card do you have?
24 month emi option is not available why ?
HELLO SIR,
I WANT TO BUY SAMSUNG J7 PRIME IN EMI. CAN YOU TELL ME HOW MUCH I PAY AS FIRST DOWN PAYMENT. CAN I PAY FROM MY PAYTM WALLET.
If I pay money through emi option cash back will be applicable
I GETTING ONLY SOME OPTIONS
DEBIT CARD
NET BANKING
CREDIT CARD
BUT NOT GETTING THE EMI OPTION
sir emi option is not visible in the paytm from 13-9-2017 how can i apply emi option
EMI option is nit available on Paytm. How to make EMI then?
EMI option is not available on mobile app and site, how can i place order order? kindly reply as soon as possible.
and also i want to tell you something that
I tried thousands of options to reach paytm customer care executive but i failed everytime. you people have really very poor customer care services.
no one can call you
no one can email you
how to we can contact you then? please tell me.
through these websites? where you sometimes reply and sometimes don’t.
please, its a request to improve your customer care service so if we face any problem so we can contact you easily. after all we are your customers.
If I cancel my order on emi can I get my refund
HLO SIR
I HAVE ONLY PNB ACCOUNT AND DEBIT CARD HOW I PURCHASED A MOBILE ON EMI BASIS BY PAYTM
Sir I want to buy iPhone 6 32 gb.6000 cashback is available on that product. I want to pay the amount in emi.If in my account 2500 is there and the installment per month is 2442 Rs.if I choose 12 months installment so when will I get the cashback amount.
Sir I want to buy iPhone 6 32 gb.6000 cashback is available on that product. I want to pay the amount in emi.If in my account 2500 is there and the installment per month is 2442 Rs.if I choose 12 months installment so when will I get the cashback amount. Nd also tell me the customer care no for paytm.01203888388 it’s only asks for logout and registration of paytm
At first I pay total amount in EMI then when will the remaining money will refund
Hi,
If I purchase product of 42000 and there is cashback of 8000 on that product. Monthly limit for my wallet is 2000. I will get the cashback?
Thanks
Salman Kaludi
Hi,
I purchase product of 42000 and there is cashback of 8000 on that product. Monthly limit for my wallet is 2000. I will get the cashback?
It show the i will get the cashback in 24 hours but i got text message from paytm that
“Your paytm cahback of Rs. 8000 may get stuck due to cuurent limit of Rs 20K. Increase the limit to …”
Thanks
Salman Kaludi
what is credit post return policy
What about bikes in emi in paytm mall. Please telk me the process.
Ok . I will check and update you
can i buy bike from Paytmmall on SBI debit card ?