Croma through its online website, croma.com, is offering multiple products on EMI offer. The EMI offer is valid on major credit cards. The details of the EMI offer are provided below
- Eligible products for EMI offer include smartphones of various brands including Google, Samsung, Oppo, LG, Honor, HTC, etc., Google Chromecast, wi-fi routers, Apple watches, Nikon cameras, washing machines, LED TVs, air purifiers, power banks, Amazon Kindle, Bluetooth speakers, laptops, Macbooks, refrigerators, water dispensers and ACs.
- To become eligible for EMI offer, the transaction value should be minimum of Rs.2,500 or above
- The available EMI tenures are 3, 6, 9, 12, 18 and 24 months
- For 12 months tenure, no cost EMI facility is available
- Eligible credit cards include American Express credit cards, Axis Bank credit cards, Citibank credit cards, HDFC bank credit cards, HSBC credit cards, ICICI bank credit cards, Indus bank credit cards, Kotak Bank credit cards, SBI cards, and YES bank credit cards.
- No processing fee will be charged for EMI transactions
- Only one purchase is allowed per credit card
Kotak Mahindra Credit Card Offers At Croma Stores
With your Kotak Credit Card, you can avail on-the-spot EMI offers at select Croma Stores under the “Dream Big EMI” scheme. The offer allows the cardholders to convert their purchases made between 15 November 2013 and 31 December 2018 at Croma stores to easy monthly installments. The list of eligible Croma stores across the country is available on Kotak Mahindra website.
How To Avail ‘Dream Big’ Emi Offer At Croma Stores?
- Visit any one of the eligible Croma stores
- Choose the product you want to purchase
- While making the payment display your Kotak Mahindra credit card and inform the executive that you want to make the purchase in EMI
- Choose an EMI duration from the available tenures of 3, 6, 9 and 12 months
Terms and conditions of Kotak Mahindra’s ‘Dream Big’ EMI offer
- All Kotak Mahindra Bank credit cards are eligible for the EMI scheme, except a few cards including Kotak Best Price Card, Kotak Corporate Card and Kotak Travel
- Only interest will be levied on EMI transactions. There is 0% processing fee and 0% foreclosure fee
| Tenure | Interest Rate (p.a.) |
| 3 months | 12% |
| 6 months | 12% |
| 9 months | 14% |
| 12 months | 14% |
- Only one product should be purchased to avail the offer. Multiple products cannot be clubbed and converted into EMI
State Bank Of India Credit Card Offers At Croma
Get EMI offers on just about anything you buy at Croma. No documents are required and there is no processing fee.
- The tenures available are 3, 6, 9 and 12 months.
- All SBI credit cards are eligible for this offer except the SBI Corporate Card.
- Interest is computed on a monthly reducing balance.
- The minimum transaction amount required is Rs.2,500. Croma may at its own discretion choose to offer EMIs on any amount.
Interest rate and charges:
| Tenure | Interest Rate | Processing Charges | Foreclosure Charges |
| 3 months | 14% per annum | Nil | 3% of outstanding balance |
| 6 months | 14% per annum | Nil | 3% of outstanding balance |
| 9 months | 14% per annum | Nil | 3% of outstanding balance |
| 12 months | 14% per annum | Nil | 3% of outstanding balance |
RBL Bank Credit Card Offers at Croma
RBL Bank offers its credit cardholders the Split n Pay” scheme. Customers can enjoy paying for their purchases in easy EMIs.
- RBL Bank offers a minimal interest rate. The interest rate will be communicated at the time of availing the offer.
- Also get low processing fees.
- The tenures available are 3, 6, 9, 12, and 18 months.
- Anyone who holds a valid RBL Bank Credit Card can avail of this scheme.
- No documentation is required.
Interest rate and charges:
| Tenure | Interest Rate | Processing Charges | Foreclosure Charges |
| 3 months | Communicated at the time of availing the offer. | Low | 3% of outstanding balance |
| 6 months | Communicated at the time of availing the offer. | Low | 3% of outstanding balance |
| 9 months | Communicated at the time of availing the offer. | Low | 3% of outstanding balance |
| 12 months | Communicated at the time of availing the offer. | Low | 3% of outstanding balance |
Axis Bank Croma Credit Card Offers:
Axis Bank offers flexible EMI options for credit cardholders when they shop at Croma.
- Customers can avail equated monthly installment plans for 3 months, 6 months, 9 months and 12 months.
- Interest is charged at 12% and 13% per annum.
- There is no processing fees applicable to the EMI conversion.
- The minimum transaction amount required is Rs.2,500.
- The EMI offer will be valid only if the customer opts for this at the time of purchase. Customers can convert the purchase later to an EMI, but the charges will be different.
The Croma EMI offers are valid on the following Axis Bank credit cards:
-
- Infinite Credit Card
- My Business Credit Card
- Insta Easy Credit Card
- Miles and More Credit Card
- MY Wings Credit Card
- MY Choice Credit Card
- MY Zone Credit Card
- Titanium Smart Traveler
- Signature Wealth Credit Card.
Interest rate and charges:
| Tenure | Interest Rate | Processing Charges | Foreclosure Charges |
| 3 months | 12% per annum | Nil | 3% of outstanding balance |
| 6 months | 12% per annum | Nil | 3% of outstanding balance |
| 9 months | 13% per annum | Nil | 3% of outstanding balance |
| 12 months | 13% per annum | Nil | 3% of outstanding balance |