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Amazon EMI On Debit Card Eligibility, How to Buy, EMI Payment, How to be Eligible | Full Details - YouTube
Channel: Unlocking Something
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Amazon EMI on your Debit Card
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Friends first whenever you want to buy a product from Amazon on emi
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That is, wanted to buy on the installment
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So you needed a credit card to pay it
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but now
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Just a few days ago Amazon
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Amazon has launched its own EMI on your debbit card
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Under which you can from amazon
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Any product up to Rs.1 Lakh can be purchased
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by using your ATM card on installment of money
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So in this video we will know this
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What is Amazon EMi on your debit Card
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Under this, any product we have
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from amazon on emi using own debit card
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Which documents are required to buy the product here?
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And which term and condition may have to be followed
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How will the payment be on the new
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That total money will be deducted from our bank at one go
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Or will the installation by installment be cut off
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like monthly emi
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like credit card
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That means the payment will be completed here
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And the most important thing
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Many people say that
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That their card here is not eligible for debit card emi
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Some people also say that
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Under Debit Card EMI, if you purchases any product
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So after buying the product
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In this, you have to pay a lot of extra charges
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So in this video we will also know
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That how you can check the eligibility of your debit card
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If your debit card is not eligible
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So how can you make your card eligible for debit card emi?
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And after purchasing the product here
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Which extra charges have to pay
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That is, about the Amazon emi on your Debit Card
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In this video we will know almost everything
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So let's know
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Before all we know
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What is EMI on your debit card service
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Friends , Amazon says under this service
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Any product up to 1 lakh rupees from amazon
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Using your debit card ie ATM card
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on emi or no cost emi
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if on that product no cost emi offer is going on
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So you can buy that product a t No Cost EMI
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Your ATM card,
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ie the bank account to which your ATM card is connected
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whether the bank account has money or not
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It does not make any difference
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How to order when there is no money
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You will find it further in the video
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To purchase any product under Debit Card EMI
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You do not even need any of your documents
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But,
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Here you have to follow some terms and conditions
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So what are those conditions
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There is the first condition in debit card emi
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That you have an ATM card
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with which you want to buy the product on emi
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It should only be of 6 banks
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So which is that 6 bank
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That bank is friends
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HDFC, ICICI, Federal bank, Axis bank
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SBI & Kotak Mahinra Bank
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If you have a Debit card from any one of these 6 banks
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Only then you will be able to buy
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any product on emi from Amazon
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This is the other condition friends
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That if you have here
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HDFC Bank, ICICI Bank, Federal Bank & Axis Bank
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Out of these four banks, if the debit card of this bank is
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Then the product you want to buy on emi
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The price of that product should be minimum 5000
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That is, the product you want to buy
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It should be priced between Rs.5000 to Rs. 1 lakh
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Only then you can buy that product on emi
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Same if you have a debit card of SBI or Kotak Mahindra
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Then the product you want to buy on emi
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The price of that product should be minimum 8000
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That is, it should be priced between Rs.8000 to Rs.1 lakh
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Only then you can buy that product on debit card emi
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So here if you are following these two conditions
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So can you buy any product on EMI from Amazon?
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No friends
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Here you are not given EMI to all cards of these banks
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These banks have only a few cards which are eligible for Debit card emi
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So in those eligible cards have your card or not?
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You have to check
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That is, you have to check the eligibility of your card
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So how do you check eligibility
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Here are 2 ways to check eligibility of your debit card
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In the first way
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The mobile number you have registered in your card
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You have to message from that mobile number
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Like if you have a ATM card of HDFC
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Then the mobile number registered in your HDFC card
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From that write a message MYHDFC to 5676712
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Same if you have an ATM card of Kotak Mahindra Bank
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Then, mobile number registered in that ATM CArd
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Write DCEMI<Space> last four digit of atm card number
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And the message has to be messaged on 56767788
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The same process also happens in the debit card of Axis Bank
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He also has to message with registered mobile number
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DCEMI<Space>Last 4 digit of debit card number
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And send it to 5676782
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But if you have a debit card of SBI
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So in that you have to write normally DCEMI
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and message it to 567676
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So as soon as you message
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So shortly after messaging
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From there you get an auto-generated message reply
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In which mention that
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That your debit card or ATM card
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is eligible for debit card emi or not
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If eligible for debit card emi
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So how much amount of product you buy on EMI
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It also keeps telling you in the same message
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So friends, this is the first way to check eligibility
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Friends are having a problem in this way
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So why is the problem happening
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The problem is because of
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Because everybody recharges the unlimited calls
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Because of which I do not have balance in their sim
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Due to which messages of some people do not go away
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And what happens to some people
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From there the message is not coming in the reply
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due to network problem
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So both of these problems come with the peoples
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And people think that the video itself is misinformed
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So the people with whom this problem is coming
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So how will they check eligibility of him debit card
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So there is another way for them
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So how would we check in other ways
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In the second wire you have to do
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The debit card you want to check eligibility for emi
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You have to add it to your Amazon account in advance
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in payment method
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So when your debit card added ion your amazon
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So after being added, you
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Searching for debit card emi in amazon search bar
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Then first a link will open for debit card emi
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you have to click on debit card emi
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You will then be taken to the page of debit card emi
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If you can't go like this
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So the description of this video has a direct link to that page
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You can go to that page by clicking on it
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So after going there
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If you go there before saving the card
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So there, will tell you some information about Debit Card emi
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But if you go after the card added in amazon acc.
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And if your debit card is eligible
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Then you will get a message on that
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Congrtulations, your debit card is eligible for emi
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And the bank whose card will be
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The logo of that bank will be
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So this way you will know which debit card
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is eligible for debit card emi
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But from here you will not know that
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How much amount of product can you
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buy on debit card emi from Amazon?
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For that you have to adopt the first method
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Then the message will be come from there
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In that message, you will be told as Eligible EMI Amount
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So from that you can know
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how much amount of product
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you can buy using your debit card
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So this is both ways to check eligibility
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So if your debit card is eligible
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So how will you buy the product with debit card emi
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Nothing much to buy product
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The way you buy any normal product
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In the same way you have to buy
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Normally you have to select the product
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The Product that you want to buy on emi
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After that you have to click on Buy Now or Add to Cart
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Then you have to proceed to pay
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& then come to the payment gateway while continuing
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The way all options are available for payment gateway
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Will still show you the same way
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But if you have already added a debit card
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Then he will also show your saved Deit card
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In which you have the option
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to fill CVV directly
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But if you haven't saved
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if you don't save your debit card before
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So there is a debit card and credit card option
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Or which is the option of EMI
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You can select anyone in both
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There will be an option to fill the card detail after selecting
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So in them you have to fill the debit card details
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Then add that card
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Once the card is added,
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this card will also look like a saved card
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So look at the debit card which is not eligible for EMI
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You will not see any option of any kind
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But which card is eligible for debit card EMI
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As soon as that card is saved,
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then an option of PAY IN FULL under it will go one
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you have to click on that
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as soon as you click on pay in full
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then there will showing some more options
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Like that would be the first option is Pay in Full,
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And below that will be the detail of the EMI Month
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That is, if you buy the product on EMI
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So how many months can you get to pay
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In this, the first option will be 3 months emi
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6, 9, 12, 18, & 24 month
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You can get up to 24 months option
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After that, you will also be told on the same
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How many months will you take for emi payment,
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then how much amount you have to pay per month
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And after that if on that product no cost emi going on
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So no cost will show
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Otherwise, you will have as many months as you
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How much interest will you have to pay in that month
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He will also be told on the same
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And the amount which is shown there emi amount
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That's the final amount
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After adding interest,
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how much amount you have to pay per month
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That amount shows there
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And then the interest is extinguished
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That how much percent interest is being paid here
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The only interest show there
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that this interest rate is appilied on this amount
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So now it comes that
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people who want to buy on no cost emi
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How will they buy on no cost emi
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How will they know which product is getting on no cost?
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Friends, this is where interest is showing you
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If there is no cost emi offer on any product
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Then, instead of pay interest,
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there will be a red color with no cost written on it
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Then you will know that
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if you take so much money then you can get no cost
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So here accourding to yu
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As many months as you want
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You have to select that option
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as soon as you selet emi month option
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So all three things below that
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EMI Ammount, Interest, & EMI Month
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These three things will look the same in your detail
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Which has to be carefully checked and then continue
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Then you will be taken back to the previous page
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Where it was written Pay in full
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Now the month you have selected the emi
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will show the month
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And then friends will have the option
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to fill the poem there.
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fill CVV number & continue
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Then a OTP will be sent to your mobile number
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Here is the way you fill normal OTP
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Won't be that way
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Here, there can be an option to select emi month
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while filling the OTP
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But this does not happen in all banks
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So these friends are normal for
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people who also do online shopping
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They will easily cross it
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So here OTP has to be fill
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then clcik on submit
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So here you will get paid
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Your order will be placed
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So in this way you can order
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any product by on emi using your debit card
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So now, when it comes to deducting money here
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How much money will be deducted
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from your bank account now
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When you place order
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Friends whenever you place an order
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At that time
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you do not deduct even one rupee from your bank account
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That is 0 rupees deducted
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Whether you have money in your bank account or not
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It doesn't matter
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I already told you this
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So here do not deduct even one rupee from your bank account
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Then when will the money be deducted
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A few days after placing the pay order here
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Maybe your product reach to you, you can use it
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After that from your bank account
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Total price of your order should be deducted
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But after the deduction
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Within 1-2 days,
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that Total money will come to your account
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So here all this debit and credit work
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does not happen with all banks
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This happens with some banks and some accounts
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Who has this EMI offer
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This does not happen in their account
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So now, how & when will the emi amount be cut
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How do we have to pay for emi Amount?
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Friends, whatever debit card you have used here
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Every bank will be debited from bank account on the 5th
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Like if you order on 3rd date of the month
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So after that, 5 date is coming after 2 days
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So your first EMI will be dedicated on the 5th date
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Same if you order 6th date of month
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So the next 5th dates of next month will come
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That day you will have your first emi deducted
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That is, the day you ordered
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After that, your 5 date are going to come later
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That date will be your 1st EMI Deduct from your account
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Same friends second emi
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Which will come after that 5th date
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The second emi will deduct on that day
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After that the 5th date will come
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on that day your 3rd emi will be deduct
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And in the same way
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You have taken the emi month as well
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For that month, your emi amount will be deducted
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from your bank account
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So now the point is that if we place an order here
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So some people said that
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A lot of extra charges have to be paid here after order
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So which extra charges have to be paid here
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You have to pay 2 charges there
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First charge is GST Charges
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If you buy any product on EMI
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So he has to pay 18% GST on the interest amount
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GST charges are not applicable in all banks
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Same friends, second charge is processing fee
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Processing fee is available only on 2 bank debit cards
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Here you get emi on Pay 6 bank debit card
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But the processing fee takes only 2 bank
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If you buy the product on EMI using 6 bank debit cards
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Then you will not even feel the processing fee
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So which banks this processing fee takes place
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if you buy any product on EMI using HDFC debit card
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So in that you
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Processing fee of Rs 99 will be charged
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The same if you buy using ICICI Bank's debit card
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So on that you have to pay a processing fee of Rs. 199
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So here, only these two charges are deducted
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The rest of the charges list are given in top comment
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So by going through it,
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you can know more details about extra charges
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So now it comes that a lot of people say
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That their debit card is not telling eligible for emi
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So why is this happening
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This is happening because what many people do here
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When they get to know about this debit card emi
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So they, quickly go to any of these 6 banks
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And they open their bank account
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Issue a debit card of that bank account
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They try to buy that product on that debit card
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Which does not indicate his debiot card eligibility here
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This is the second region
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That have a poor CIBIL score
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Or those who do not keep the balnce in their account
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Or heer don't do much transactions
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his debit card also show not eligible here
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So eligible will tell how
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Let me tell you first
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That by using the debit card
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you want to buy any product on the EMI
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That debit card must be at least 3 months old
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On that time, that debit card will be declared eligible
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The second region is the
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CIBIL Score and average balance
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So you have to keep your CIBIL score good
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So many people will not know what this CIBIL score is
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So if you want to know about CIBIL score
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So a dedicated video of the CIBIL score
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is uploaded on our channel
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You will find its link in the description of this video
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Or may also be shown above in card
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So go through both of them and watch this video
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After watching that video,
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you will know what is this CIBIL score
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How can you check the CIBIL score for free?
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And if your Cibil score is bad
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So how can you improve it
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So here you have to check your CIBIL score
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And if your CIBIL score is bad then u have to improve it
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Also the ATM card you want to use for EMI
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In that you have to keep a good balance
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And don't just keep the balance
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On some days you also have to do transactions
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Then your debit card will become eligible
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So now you must be thinking that
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even before you were doing Tranction in ATM
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So here you have to
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That you will have many debit cards
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There will be many more debit cards in the family
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So what do you do that
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all the debit cards use bit by bit
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Due to which no debit card is eligible
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So you can do that you use only one debit card
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The debit card you want to be eligible for emi
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So the automatic debit card will have a good balance
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And the transaction will be more
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So if this happens for 3-4 months
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Then your debit card
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Debit Card will be eligible for Debit card emi
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And after that you can use your ATM card
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Any product up to Rs. 1 Lakh from Amazon
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Will you be able to buy on Debit Card EMI
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So friends you must know by now
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That whis is this amazon emi on your debit card
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Any person under it
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Any product up to Rs 1 lakh
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How can I buy withy debit card emi
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Which documents are required for debit card emi?
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How to check eligibility for debbit card emi?
[1123]
If not eligible how can you be eligible for debit card emi
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So if you like this video
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If you got to know anything from this video
[1131]
So you can like this video
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And if you find anything bad in this video
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Or do you want to improve anything in this video
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You comment in the comment box of this video
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So that we can improve our upcoming videos
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To watch the video at last
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