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Laptops are essential, but they can be expensive. With the option to buy a laptop on credit card EMI, you can split the cost into affordable monthly payments. Major banks, including HDFC Bank, offer convenient EMI options, making laptops under ₹40,000 more accessible without financial strain. Understanding how credit card EMIs work helps you make a smarter purchase and get the best deals without overspending.
EMI options allow you to purchase a laptop now and pay later in easy monthly instalments, easing the immediate financial burden.
Many credit card providers offer interest-free EMI for a limited time, helping you save money on the overall cost.
You can choose from various EMI tenures, such as 3, 6, or 12 months, to match your budget and repayment capability.
You get instant access to your laptop without waiting to save up the full amount, allowing you to start using it immediately.
Some credit cards offer cashback and rewards on EMI purchases, giving you added value for your laptop purchase.
Timely EMI payments can help improve your credit score, making it easier to secure future loans or credit.
Many credit cards allow you to convert regular purchases into EMI after the transaction, offering greater flexibility in managing payments.
Some credit cards offer EMI options with no processing fees or hidden charges, ensuring you only pay the agreed amount.
Credit cards often provide purchase protection, ensuring your laptop is covered for damage, theft, or defects during the warranty period.
When choosing a laptop under ₹40,000, it’s essential to focus on key specifications like the processor, graphic card, memory, and storage to ensure good performance. Here is a comparison of some of the top budget laptops available for purchase with credit card EMI:
Features |
Inspiron 15 Laptop |
IdeaPad Slim 3i 13th Gen |
Lenovo V15 Gen 5 |
HP Laptop 15-fd0465TU |
HP 255 G9 Business Laptop |
|---|---|---|---|---|---|
Processor |
AMD Ryzen™ 5 7520U with Radeon™ Graphics |
13th Gen Intel® Core™ i3-1315U (Up to 4.50 GHz) |
Intel® Core™ i3-100U (Up to 4.70 GHz) |
13th Gen Intel® Core™ i3 |
AMD Ryzen™ 5 |
Graphic Card |
AMD Radeon™ Graphics |
Integrated Intel® UHD Graphics |
Integrated Graphics |
Intel® UHD Graphics |
AMD Radeon™ Graphics |
Memory |
8GB LPDDR5 5500MT/s Onboard |
8GB LPDDR5-4800MT/s (Soldered) |
8GB DDR5-5200MT/s (SODIMM) |
8GB DDR4-3200 MT/s RAM |
8GB DDR4-3200 RAM |
Storage |
512GB M.2 PCIe NVMe SSD |
512GB SSD M.2 2242 PCIe Gen4 QLC |
256GB SSD M.2 2242 PCIe Gen4 TLC |
512GB SSD |
512GB SSD |
Display |
15.6" FHD (1920x1080), 120Hz WVA, IPS, Anti-Glare, 250 nits, Narrow Border, LED-Backlit |
15.6" FHD (1920x1080), TN, Anti-Glare, 250 nits, 60Hz, Narrow Bezel |
15.6" FHD (1920x1080), TN, Anti-Glare, 250 nits, 60Hz |
15.6" FHD Display |
15.6" HD Display |
Price |
₹39,777 |
₹39,491 |
₹39,395 |
₹40,000 |
₹39,499 |
Disclaimer: The specifications and prices listed in the table are based on the latest available information at the time of writing and may vary with time or location. Please verify the details on the respective retailer's website or store before making a purchase.
Here are exclusive HDFC Bank Credit Card EMI offers on budget laptops, helping you easily buy a laptop on HDFC Bank credit card EMI with extra benefits:
Offer |
Details |
Availability |
|---|---|---|
Up to 30% Off + ₹2000 off on Laptops and PCs |
Discount on laptops and PCs at Lenovo’s online store |
Available in Mumbai, Maharashtra |
10% Off Up to ₹20,000 Cashback on Lenovo Laptops |
Get 10% off with EASYEMI on HDFC Bank Debit/Credit Cards |
Available in other locations |
Up to ₹10,000 Cashback on Dell Laptops |
Earn cashback on Dell laptops with EASYEMI on HDFC Bank Cards |
Available nationwide |
Up to ₹8,000 Instant Cashback at HP |
Instant cashback on HP laptops |
Available nationwide |
Disclaimer: The offers listed in the table are subject to change and may vary based on location and availability. Please verify the terms and conditions on the respective retailer's website or HDFC Bank for the most up-to-date information.
Here is a simple, step-by-step process to help you buy a laptop on credit card EMI without any hassle:
Choose the budget laptop you wish to buy, ensuring it is eligible for credit card EMI options
Look for EMI payment options on the product page or confirm with the retailer or e-commerce platform
Add the selected laptop to your shopping cart
Go to the checkout page and review your order details carefully
Select the credit card EMI option and choose your preferred EMI tenure (3, 6, 9, or 12 months)
Provide the necessary payment details and ensure your credit limit is sufficient for EMI conversion
Confirm the EMI conversion and finalize your purchase by submitting the payment
Receive confirmation from your credit card provider regarding EMI conversion and laptop delivery details
Start paying your EMI as per the selected tenure and make timely payments to avoid penalties
Here are the key eligibility requirements to buy a laptop on credit card EMI:
You must have an active credit card with sufficient credit limit for the purchase
Your credit card provider must offer EMI conversion options for the laptop purchase
You should have a minimum monthly income as required by your credit card provider
The laptop must be eligible for EMI conversion according to the retailer or e-commerce platform
You need to meet your credit card provider's internal risk checks and eligibility criteria
Your credit card must be in good standing with no pending dues or outstanding payments
You should be a resident of the country where the credit card EMI option is available
The EMI conversion option should be available for the tenure you prefer (3, 6, 9, or 12 months)
Here are the key benefits of buying a laptop on credit card EMI, making it a convenient and financially flexible option for tech purchases:
Credit card EMI options allow you to split the cost of your laptop into manageable monthly payments, making it more affordable.
Many credit cards offer interest-free EMI options for a specific period, helping you save on additional costs.
You can choose from various EMI tenures, such as 3, 6, 9, or 12 months, depending on your financial comfort.
With credit card EMI, you get immediate access to your laptop without waiting to save up the full amount.
Some credit cards offer cashback and reward points on EMI purchases, providing additional value with your laptop purchase.
EMI options allow you to plan your finances better, preventing any immediate strain on your monthly budget.
Timely EMI payments can help improve your credit score, benefiting you for future credit-related needs.
Many credit cards allow you to convert regular purchases into EMIs, offering more flexibility in managing payments.
Yes, you can buy a laptop on credit card EMI if your card offers EMI conversion options. Simply choose EMI at checkout, select the tenure, and complete your purchase.
Laptops under ₹40,000 with at least 8GB RAM, Intel Core i3 or Ryzen 5 processor, and SSD storage are ideal. Look for good battery life and a Full HD display.
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| 1min read
Posted on 16 May
Roshani Ballal
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