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BBD and GIF deals thread

ssnthegenius

TF Premier
Hello guys.
as we all know there is sale going on amazon and flipkart.
Where SBI is the bank partner this time for amazon.

And many people including me have less hopes that there will be any good deals available this year as we all know whole sale would be controll by sbi. And poor amazon marketing and sales techniques.

I was checking some deals on amazon where i found some funmy thing.
Just look at these images

These deals on galaxy s23 where effective price shown.
People bought this smart phone nearly 62k with all offers and exchange.
Now i was wondering is this really a deal or joke.
Same with galaxy a34 which was at same price before the sale.
And now they calling its a deal.

More funny with iphone 14 and 14 plus.

Just look and tell is this deal or joke.

Same cases you can find everywhere in amazon.
Where discount is just 1000 or 1250 on products of 40k and 50k.



Please share your opinion on this amazon and SBI card.

If you have any thoughts.
Got iPhone 14 from BBD at 54147. 🙂
 

NShah

TF Legend
Contributor

shutapdiya

TF Ace
Contributor

SSV

TF Pioneer
Contributor
VIP Lounge
@S S V do you find out in Flipkart?
Check this
Take a look at this APPLE Back Cover for Apple iPhone 14 Plus on Flipkart
Thank you, now it's listed. Unfortunately the offer was removed..
Thanks for finding it anyway
 

SSV

TF Pioneer
Contributor
VIP Lounge
Yes, you can pay from HDFC App.

but this will just create a Negative Balance in that Account and Future EMIs will get adjusted from that Balance and any remaining Amount will Hit your Savings Account on 05th of Every Month.

Furthe EMIs will include interest too and may be GST on Interest. So You will lose the NCEMI discount of 5k, if you continue with EMI.

I am not sure on GST part, since I do not remember , whether it was charged in my case or not.


My HDFC DC EMI Loan is opened now...

Talked to CC .
He said we need to cancel this DC EMI loan from calling them only.. within 7 days of opening.. for bonafide reasons only... I think they may not agree for cancellation if we say we want to pay in full..

Now I understood what you said in the above post.. If we pre pay , we lose the NCEMI discount as we will be paying in full with interrest and the balnce will be in -ve until it reaches 0 at the the end of the tenure..

So, in this case options are very limited..
Call now and opt for cancellation, if he agrees well and good.., otherwise run this thru and pay for the entire period...
 
Last edited:

SSV

TF Pioneer
Contributor
VIP Lounge
Now , after few days when it starts reflecting in Mobile App, contact Customer Care over the call and ask them , what type of closure they are offering i.e, Foreclosure or Cancellation.

More Details on HDFC DC EMI...

There are two types of DC EMI in HDFC...

1) HDFC pre- approved DC EMI - (cancellation allowed)
2) Merchant EMI... -- ( no cancellation allowed, only pre closure)...

If it is the first case i.e. HDFC aprroved EMI,, then we can cancel the EMI within first 7 days...

If it is Merchant EMI, i.e. bought thru Amazon, FK , or any other third party website.. there is no facility to 'Cancel' it ...
only Pre closure from the day 1 which attracts 3% on principal outstanding + 18% GST...

In my case, I spent 42,857 , if I want to pre-close now I have to pay around 44,732.. . SO, I have to pay 1,875.. which still way less than EMI Discount I got... i.e. 5,632.19

So, in effect I will get 3,757 benefit by chossing 18 month EMI by preclosing..
SO it is still a good deal..
This is for all HDFC DC EMI enthusiasits..
WIn , win for both.. The bank wins and we win..

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