Debit Card EMI Option


AVStore offers payments by Debit Card EMI (Currently for HDFC Bank Debit Card Holders).

Debit EMI is an EMI method using which you can buy various products on EMI using your debit cards without having to pay the entire amount immediately. You need not have the entire amount in your accounts at the time of transaction and your bank will not block any amount on your cards.


FAQs about Debit Card EMIs

The interest rates applied by each bank for debit card EMIs are provided for your reference. The minimum transaction amount for which EMIs can be availed on debit cards can vary for each bank. The maximum transaction amount depends upon the available pre-approved limit for the customer. Right now, customers can avail EMIs on HDFC debit cards only.
  1. What is the minimum balance required in my account to avail Debit card EMI?
    None. You need not have any minimum balance in your accounts while placing the order. However, you need to ensure that your accounts have sufficient funds to pay the EMI due every month.

  2. How will I know that you are eligible for Debit card EMI?
    Eligible customers can view the option on the Checkout under EMI option. However, as the eligibility criteria can vary for each bank or can be changed by the banks periodically, it is recommended that you reach out to their respective banks to check if you are eligible or not.

  3. What is the criteria to avail Debit card EMI?
    To avail Debit card EMI, you should pass the eligibility criteria set by their banks. The minimum order amount on the Checkout should be ₹5000 (for HDFC Debit cards)

  4. Can you provide a list of the EMI plans and interest rates of different banks that support Debit card EMI?

Right now, you can avail EMIs on HDFC debit cards only and the interest rates as per the following table:

Bank Code

Issuer Bank

3 months

6 months

9 months

12 months

18 months








  1. Can I change the EMI plan after placing the order?
    EMI plans cannot be changed once an order is placed.

  2. Do I need to pay any down payment to avail Debit card EMI?
    No, you need not pay any down payment amount to avail the EMI.

  3. Is there a possibility to foreclose EMIs availed on Debit cards'?
    Yes, Debit Card EMIs can be foreclosed after clearing first three EMIs.


How does Debit Card EMI work?

On our site, you select the product and proceed to checkout.

  1. On the Payment page, you select EMI as the payment method.
  2. You then select EMI on Cards option in the EMI tab.
  3. You then enter the debit card details.
  4. If the order amount is eligible for debit card EMI, the corresponding EMI plans along with interest rates are displayed.
  5. Here you can select the EMI tenure of your choice and are prompted to enter the phone number linked to your bank account.
  6. If you are eligible for availing the EMI, an OTP is sent by your bank to validate your identity.

After the successful authentication, you are redirected to our website. Your monthly debit card statements will reflect the EMI amount with the interest charged by the bank.