Explore the best laptops under ₹50,000 you can purchase on EMI using a credit card, including features and value for money
Purchasing a laptop is a significant investment, and opting for a Credit Card EMI (Equated Monthly Instalment) plan can make it more manageable. This article explores the advantages of using Credit Card EMIs, highlights top laptops under ₹50,000 available on EMI, and provides guidance on making an informed purchase.
Spread the cost over several months, easing financial strain.
Acquire the laptop immediately without paying the entire amount upfront.
Choose repayment tenures ranging from 3 to 24 months, depending on the credit card issuer and retailer.
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Some credit cards offer No Cost EMI, where the interest is waived off, and you pay only the product's price.
Earn reward points or cashback on EMI transactions, enhancing the overall value.
Here are some of the best laptops under ₹50,000 that can be purchased using Credit Card EMI:
Laptop Model |
Processor |
RAM |
Storage |
Display Size |
Price (₹) |
---|---|---|---|---|---|
Acer Aspire Lite AL15-53 |
Intel Core i3-1305U |
8GB |
512GB SSD |
15.6" FHD |
₹49,990 |
MSI Modern 15 |
Intel Core i3-1215U |
8GB |
512GB SSD |
15.6" FHD |
₹48,990 |
ASUS Vivobook 15 (2024) |
Intel Core i3-1215U |
8GB |
512GB SSD |
15.6" FHD |
₹47,990 |
Lenovo IdeaPad Slim 3 |
Intel Core i5-11th Gen |
8GB |
512GB SSD |
14" FHD |
₹49,490 |
HP 15 |
Intel Core i3-1315U |
12GB |
512GB SSD |
15.6" FHD |
₹49,990 |
Disclaimer: Prices and availability are subject to change. Please verify details with the retailer before making a purchase.
Selecting the right credit card can enhance your EMI experience:
These credit cards offer flexible EMI options, including No Cost EMI, with flexible repayment tenures. Eligible purchases can help you save on interest, making it easier to manage the cost of a laptop.
This card allows you to convert your laptop purchase into manageable EMIs, with a variety of repayment plans to suit your budget. It provides an easy way to pay for your laptop over time without the stress of upfront costs.
Perfect for those who don’t have a traditional credit card, the Snapmint EMI card offers No Cost EMI options for laptop purchases. It supports payments via debit cards or UPI, making it accessible to a wider range of customers.
To buy a laptop using Credit Card EMI, follow a simple step-by-step process that ensures easy and affordable payments. From selecting the laptop to managing your EMI, these steps will walk you through every detail:
To avail of Credit Card EMI for laptop purchases, ensure you:
To buy a laptop on EMI, you must have a credit card issued by a bank that supports EMI transactions. Ensure that the card is active and eligible for EMI conversion before making the purchase.
Some banks or retailers have a minimum purchase amount for EMI eligibility. This means you must ensure the laptop price meets the required threshold for EMI conversion.
Check your credit card’s available credit limit to ensure it can cover the total cost of the laptop. If the laptop price exceeds your available limit, you may need to adjust your EMI plan or choose a lower-priced model.
Not every laptop is eligible for EMI options. Some retailers or credit card providers may limit EMI offers to select models or brands, so confirm with the seller that the laptop you choose qualifies for EMI conversion.
Maximising savings when buying a laptop on EMI involves making smart choices. These tips will help you reduce costs while enjoying flexible payment options:
Choose credit cards that offer No Cost EMI to avoid interest charges.
Keep an eye out for seasonal sales and bank offers to reduce the upfront cost.
Select shorter repayment periods to minimise interest payments.
Redeem credit card reward points to offset part of the purchase cost.
Yes, many retailers offer EMI options for laptop purchases using credit cards.
If managed responsibly, Credit Card EMI can make laptop purchases more affordable without upfront payments.
Interest charges may apply unless you opt for No Cost EMI plans.
Yes, most banks allow prepayment of EMIs; however, check for any prepayment charges
EMI availability depends on the retailer and the specific laptop model.