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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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About IDFC Debit Card EMI
You can follow the below mentioned steps to opt for a debit card EMI facility
The debit card EMI facility may not be available to everyone. It depends upon a number of aspects, the most important of which is the bank’s decision. Based on certain factors, your bank will decide whether you are eligible for the debit card EMI on your purchase.
IDFC enables an easy buy on your debit card by providing the debit card EMI option. This is a smart and convenient way to buy products of your choice. You can use your pre-approved limit on your debit card at selected merchant outlets. You can just swipe the debit card and convert the buy instantly into EMIs.
To check your IDFC debit card EMI eligibility, you can SMS the following: EasyBuy Space Last 4 digits of IDFC First Bank Card number to the number 5676732
The fees and charges for a debit card EMI are as follows:
| Type of Fee | Charges |
| Convenience Fee | Rs. 199 plus goods and services tax (GST) applicable. The convenience fee charged is non-refundable. |
| Auto debit return fee (SI return) | Rs. 400 |
| Late payment charges | 2% per month of the unpaid EMI or Rs. 300 whichever is higher among the two. |
| Foreclosure Charges | 5% of the balance principal outstanding |
1. How can I use the IDFC EMI card online?
You can select InstaCred as a payment option on the checkout page. You should check for the InstaCred Cardless EMI, InstaCred EMI, or InstaCred. After the selection, you will be directed to the InstaCred payment confirmation page. Choose your EMI duration and enter the OTP to confirm the buy.
2. How can I activate EMI on my debit card?
You can move to the payment page on websites where the offer is available. You will be given an option to choose the EMI on debit card payment option at the checkout page. Post selecting the EMI on debit card payment option, you can choose the duration and agree on the terms and conditions proposed by the bank.
3. What is the eligibility for debit card EMI?
You are required to make the minimum purchase of a certain amount as required by your bank to get the EMI facility. Some lenders give the EMI facility only to those customers who have a neat financial and credit history.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application