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Learn how to take advantage of festive season EMI offers on big-ticket items and choose the best credit card deals.
The festive season brings exciting offers on big-ticket items, from electronics to luxury goods. Many shoppers prefer using credit card EMI (Equated Monthly Instalments) to spread the cost. Special EMI deals are available on various credit cards, making it the perfect time to buy those items you've been eyeing without financial strain. To make the most of these offers, choose the best credit card for big-ticket items that provides low interest rates, flexible EMI options, and valuable perks.
Here’s why using credit card EMI is a smart choice for big-ticket purchases, especially when choosing the best credit card for big-ticket items:
Credit Card EMI breaks down large expenses into smaller, more affordable monthly payments, helping you manage your finances better.
Purchasing items on EMI is simple, with many credit card providers offering easy online applications and fast approvals.
Splitting the cost over several months makes it easier to plan your budget and avoid financial strain during the festive season.
Credit Card EMI options generally offer lower interest rates compared to personal loans, making it a cost-effective choice for big-ticket items.
By choosing EMI, you avoid the pressure of paying the full amount upfront, especially when making expensive purchases during sales.
Many credit cards offer flexible repayment tenures, allowing you to choose a term that fits your financial situation and preferences.
Here’s a look at the best credit cards that offer great EMI options, low interest, and valuable perks for festive season shopping:
Some credit cards allow you to spread payments over 12, 18, or 24 months, giving you flexibility in managing your budget.
Cards with low or zero interest rates make it more affordable to purchase big-ticket items without incurring high additional costs.
Many credit cards offer cashback, reward points, or discounts, adding extra value to your big-ticket purchases during festive sales.
Cards with waived processing fees for EMI conversions ensure that you save money, making your purchase even more cost-effective.
Some cards offer special discounts and offers during festive sales, giving you even more savings on your big-ticket items.
Certain credit cards feature pre-approved EMI options, simplifying the process and ensuring you get the best festive deals without hassle.
Here are some of the most popular big-ticket items to consider for purchase with Credit Card EMI during festive sales:
Festive sales offer discounts on high-end smartphones and laptops, with Credit Card EMI making these gadgets affordable by spreading payments over time.
Refrigerators, washing machines, and air conditioners are often bought during festive sales, with EMI helping buyers manage payments on essential home upgrades.
Large, high-definition televisions are popular during festive sales, and Credit Card EMI makes these luxury entertainment items more accessible with manageable monthly payments.
Big-ticket furniture and home décor items, like sofas and dining tables, are more affordable through Credit Card EMI, allowing for home upgrades without immediate financial strain.
Luxury jewellery and watches, often bought as gifts during the festive season, are easier to afford with EMI, spreading the cost of high-value items.
Fitness equipment like treadmills and exercise bikes are popular purchases, and Credit Card EMI makes these investments in health and wellness more budget-friendly.
Designer bags, high-end shoes, and luxury accessories are highly sought after during festive sales, and Credit Card EMI helps manage these indulgent purchases.
Shoppers often use EMI for expensive travel packages or holiday tours during festive sales, spreading the cost of dream vacations over several months.
High-end kitchen gadgets like espresso machines and food processors often come with discounts, and EMI helps manage these purchases within a comfortable budget.
Here’s how you can get festive season EMI offers on big-ticket purchases and manage payments over time with the best credit card for big-ticket items:
Look for special EMI offers available during festive sales, as many retailers and banks provide exclusive deals on big-ticket items
Ensure your credit card supports EMI options and check the interest rates, tenure options, and processing fees before proceeding with the purchase
During the payment process, select the EMI option from the available payment methods to convert your purchase into manageable monthly instalments
Choose a repayment tenure that suits your budget, with options typically ranging from 3 to 24 months
Ensure your credit card meets the eligibility criteria for EMI conversion, including having a sufficient credit limit and meeting the bank’s requirements
Check if the EMI offer includes any interest or processing fees, as some offers may be interest-free for the first few months
Once everything is confirmed, complete the transaction and ensure your purchase is successfully converted to EMI on your credit card
Monitor your monthly payments through your credit card statement and ensure you make timely payments to avoid late fees or additional charges
By following these simple steps, you can easily get festive season EMI offers and make big-ticket purchases more affordable.
Here are the typical eligibility criteria you need to meet to qualify for Credit Card EMI on big-ticket purchases:
Some banks require a minimum purchase amount to be eligible for EMI options, which can vary by issuer
You must have a sufficient credit limit to cover the cost of the big-ticket item you want to purchase on EMI
A good credit score is essential, as it increases your chances of approval for EMI options on large purchases
Each credit card issuer has specific terms, such as interest rates or processing fees, which can differ from one card to another
It’s advisable to confirm your eligibility with your bank before proceeding with an EMI offer to ensure a smooth transaction
Here are some useful tips to help you maximise your savings on big-ticket purchases during festive sales:
Look for the best EMI offers across different credit cards to secure the lowest interest rates and best terms for your purchase.
Many retailers offer special festive coupons that can be combined with Credit Card EMI options, giving you additional savings on your purchase.
Some credit cards offer zero-interest EMI deals during festive sales; take advantage of these offers to avoid paying interest on your purchases.
Look for cards that offer cashback or reward points on big-ticket purchases, allowing you to save more on future transactions.
Choose an EMI tenure that fits your budget, ensuring monthly payments are manageable without causing financial strain.
The best credit card for big purchases is one that provides low interest rates, flexible EMI tenures, and additional benefits like cashback, rewards, or discounts. Always compare various options to find a card that aligns with your financial needs and offers the most value during your purchase.
