Buying anything online on EMI generally requires a credit card. Debit card users find it harder to do online shopping and pay off the amount on EMI’s. However, there are a few cards that allow you to access the EMI feature while purchasing online. If you are wondering how to buy laptop on EMI with debit card, we are here to explain in detail how you can do exactly that. There are multiple online resources and third-party websites that allow you to take our a sort of pseudo-loan which you can use to make your purchase and pay off the company in EMI’s. Whichever you end up choosing, the best way to do online shopping is using a credit card.

If you cannot get hold of a credit card, you can check if your debit card has an EMI option while online shopping, or use these third-party websites to help you make your purchase.

How to Buy Laptop on EMI with Debit Card: Step-by-Step by Guide to Purchase Online Using Debit Card

Buying a laptop is often an intimidating process as laptops can be expensive and choosing the right one can be overwhelming. But, did you know that you can buy laptop on EMI with Debit Card in India? You don’t have to pay the full price upfront or rely on external funding. With the right guidance and information, you can easily purchase a laptop on EMI with Debit Card.

This blog will guide you through the process, from understanding how to buy laptop on EMI with Debit Card, to exploring the best offers available in India. We hope it provides the insights and advice needed to make an informed decision and get you closer to your dream laptop! So, let’s get started.

Start by evaluating which laptop would be the right fit for your needs. Consider the size, processor type, RAM and storage space needed, as well as any additional features you may be looking for. Once you’ve determined the right laptop, it’s time to explore EMI options. Some banks and financial institutions offer laptops on EMI with Debit Card in India. It is important to compare different offers available and find one that suits your needs best.

Once you have decided which EMI plan is best for you, make sure to read all the terms and conditions of the loan carefully. This includes understanding the eligibility criteria and repayment schedule.

Now that you know How to Buy Laptop on EMI with Debit Card in India, it’s time to complete the purchase process. Make sure to have your debit card ready, so you can make the payment for the laptop easily. After the purchase is complete, keep track of all necessary documents related to your EMI plan and repayment schedule. This will help ensure that you are able to pay off your loan on time and without any hassle.

Check here if you wish to know if your card is valid of EMI on Amazon. Continue reading to learn How to Buy Laptop on EMI with Debit Card in India.

How to Avail EMI on Debit Card?

The only thing you need to know is that not all card companies allow EMI on their debit cards. In that case, either apply for one of these bank accounts, ask a friend for their credit card, or use those third-party websites.

Here are the factors that will allow you to get an EMI on your debit card.

  1. While shopping from Amazon, make sure your debit card belongs to one of these banks – HDFC, SBI, Axis, ICICI, Federal and Kotak Mahindra Bank.
  2. Find the laptop you wish to purchase on Flipkart, Amazon, or whatever site you are shopping from. and check the EMI section for your bank card’s eligibility and the product’s EMI availability.
  3. Move to “Buy Now”
  4. In the Payments Window, select your debit card bank and enter all the details for your new card.
  5. Once added, choose the EMI option that you require on the next page.
  6. Finalize your order and the EMI plan.
  7. Make sure to check all options carefully before opting for one.
  8. Place the order!

That is all you need to do to get EMI on debit cards. The method is more or less the same as for any card. However, the only difference is that not all debits cards are eligible for EMI purchases. If yours does have this option, getting an EMI on debit card is exceptionally easy.

Types of EMI

If you are new to EMI’s and need to understand the two kinds of EMI’s available, here is a quick run-through of what to expect.

Not talking about the EMI duration, but the type of EMI – there are two – Regular EMI options and No Cost EMI.

The difference between these two is that no-cost EMI options do not charge you interest. For example, if you make a purchase of 20000 on regular EMI, you would end up paying more than 20000 to cover interest charges. For no-cost EMI’s, there is no interest you would have to pay.

Regular EMINo cost EMI
• Your EMI amount will consist of the interest and processing fees.• Your EMI’s will be interest-free.
• More than 6 months EMI duration.• No cost EMI only applies for 3 or 6 months.

Frequently Asked Questions (FAQs)

Can I buy laptop online on EMI with debit card?

Yes, you can purchase a laptop online on EMI with an Indian debit card. Many leading e-commerce websites such as Amazon, Flipkart and many more offer laptops on EMI with different payment options including Debit/Credit Card EMI option for customers in India. To avail this facility, customers must have a valid debit or credit card from a recognized bank and can avail the EMI options for laptops. Customers need to make sure that their debit or credit card has sufficient balance to cover the amount of EMI payment each month.

Can we buy on EMI using debit card?

Yes, you can buy on EMI using your debit card. Many online retailers offer the option to pay in instalments with a debit card, allowing customers to spread out their payments over several months. To be eligible for this kind of purchase, you will need to have a good credit history and meet other payment criteria set by the store. Additionally, some banks also offer their own EMI options with debit cards, allowing you to make purchases without needing a separate credit card. Make sure to check the terms and conditions of your bank and store before making any purchase.

Can I purchase laptop on EMI without credit card?

Yes, you can purchase a laptop on EMI without a credit card in India. Depending on the store, there are various options available such as Debit Card EMI, Bajaj Finserv EMI Network Card and other financing options from banks and non-banking financial companies (NBFCs). You can also opt for cash on delivery (COD) or prepaid options such as net banking, UPI, wallet payment and more. To avail of these facilities, you will need to provide valid ID proof and other documents. This process is simple and hassle-free. It helps you make your purchase without worrying about paying the entire amount upfront.


In conclusion, buying a laptop on EMI with a debit card in India is a great way to save money and get the best deal. It allows you to pay off the laptop slowly while still enjoying all of its features. With this option, you can also avail discounts and special offers that regular payment methods do not offer. This helps you to get the best value for your money.

Before making a purchase, make sure to read all of the terms and conditions associated with the EMI option, as well as any additional costs or fees that may be applicable. With these tips in mind, you can confidently buy a laptop on EMI with a debit card in India and enjoy all of its benefits.