NEED help buying an AC with HDFC CARD - EMI vs Non EMI

[AlekhyaDas]

If I'm getting PANASONIC AC at 33.5K with HDFC EMI from Amazon, is it the price I'm paying? Or there will be any additional charges?


The same ac is also around 35K from Flipkart without any EMI but 3% CB will be there I think via Payzapp hdfc card



Can anyone help? Which one should i go with?

 

[aniketkr.sharma]

If I'm getting PANASONIC AC at 33.5K with HDFC EMI from Amazon, is it the price I'm paying? Or there will be any additional charges?

View attachment 96888
The same ac is also around 35K from Flipkart without any EMI but 3% CB will be there I think via Payzapp hdfc card

View attachment 96887

Can anyone help? Which one should i go with?

Flipkart as its less

 

[AlekhyaDas]

Flipkart as its less

Amazon is 33.5K with no cost EMI
Flipkart is 35K + 3% so around 1 more discount so 34K but ITS NOT EMI

 

[saichand.sanka]

My suggestions is go with full payment. GST used to add for EMI transactions.

 

[thomasjackson]

Apart from the offer processing fee of 49 and 69 for amazon and flipkart respectively,
The following additional charges will also be incurred for EMI.
1. Processing Fee for EMI 299 + 18% GST - ₹352.82
2. Each intallment of ₹  3806 per month for 9 months comprises of partly principal and partly interest payment. Although the interest portion of this payment is allowed as a discount as this is a no cost EMI, an additional 18% GST would apply to each interest payment. This GST portion is usually not shown in calculation of Flipkart/ Amazon.

2a. You can forclose the EMI through HDFC MyCards app by paying 3% foreclosure charges on the outstanding amount. If this is done within 15 days of EMI conversion or statement date (whichever is earlier), Processing Fees is reversed (GST is not) also any no cost EMI discount is saved, to see which is beneficial, do the math from your end.

3. EMI transactions do not qualify for any points on pixel credit cards.