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EMI

EMI.
EMI Terms & Conditions

What is EMI?
EMI means Equated Monthly Installments.

Is the EMI applicable on all products?
Yes, all products can be purchased in EMI’s of 3, 6, 9, 12, 18 and 24 months. Note that different banks provide different interest rate and duration coverage for EMI.

Who can avail the EMI payment facility?
With Dell’s credit card EMI option, you can choose to pay in easy installments of 3, 6, 9,12,18 or 24 months with credit cards from the following banks:

Bank 3 Months6 Months9 Months12 Months 18 Months24 Months
ICICI Bank12.99%13.99%13.99%13.99% 14.99% 14.99%
HDFC Bank13%13%14%14%15% 15%
Axis Bank13%13%14%14%15% 15% 
Citi Bank13%13%15%15%15% 15%
Kotak Bank12%12%14%14% 15%15% 
Yes Bank12%12%13%13%14%15%
IndusInd Bank13%13%13%13%15%  15%
HSBC Bank12.50%12.50%13.50%13.50% 13.50% NA
RBL Bank13%13%13%13%13%13%
Standard Chartered13%13%14%14%15%15%
SBI Bank14%14%14%14%15%15%

Note- A convenience fee of Rs.99/- + GST applicable on EMI transactions on HDFC Bank credit cards.

Is there a processing fee to avail the EMI?

Dell will not charge a processing fee for availing EMI option. Bank may however charge processing fee or cancellation charges as per the banks policies. Such charges shall be paid and will not be refundable even in the event of return/cancellation of the order.

Can I Use Debit Card to Opt EMI?

No.

How long does it take for transaction to convert into EMI?

An EMI transaction usually takes 7-10 days to reflect in your statement. If your bank statement is generated during this period, we urge you to co-ordinate with your bank and inform about the transaction to resolve any conversion issues. If your bank denies or does not approve of EMI, this transaction will be considered a non EMI transaction. The discretion to give EMI is purely at the discretion of the bank and not with Dell.

How can I choose this option?

While choosing the payment method, choose the option of EMIs and proceed with the transaction.

How will I know the exact amount of my EMI?

Once you choose EMI as the payment option, the EMI amount will be calculated and displayed automatically on the payment gateway screen.

Why should I opt for the EMI payment option?

An EMI gives you the freedom to purchase a product and make equal monthly payments. You can buy now and make the payment in the next 3/6/9/12/18/24 months, by paying a nominal annual rate of interest to bank. Basically the EMI option allows you to buy your favorite products by paying monthly installments.

What is the Rate of Interest charged by various banks?

The Annual Rate of Interest depends on your bank and the chosen EMI plan. The interest rates are displayed at the time of purchase.

 

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