EMI on SBI Debit Card Flipkart | Low Prices on Mobile Phones 2019

How to Get EMI on Debit Card?

EMI on Debit Card is using Debit Card like Credit Card. Here we are sharing SBI Debit Card EMI Offer for Flipkart.

Ever thought of buying a smartphone but stopped yourself due to the high price. Sometimes we don’t have enough money at that particular moment. So EMI turns out to be a solution to this problem.

The main highlight about EMI is that you are not required to have the whole amount in your SBI Bank account. You just have to pay a small amount on a monthly basis. You can pay your EMI in 6, 9 or 12 months with an interest of 14 percent.

EMI on SBI Debit Card for Mobile Phones
EMI on SBI Debit Card for Mobile Phones

The good thing is that you won’t be charged anything that is No Processing Fee. Moreover there is no documentation required. For availing EMI you need to purchase a minimum of Rs. 5,000. A maximum limit on SBI Debit Card EMI is Rs. 75,000. You can have one EMI per SBI Bank account.

SBI Bank account is one of the most popular banking services in India. It is used by millions of users and all of them have SBI Debit Card. There is a high demand for the smartphone these days.

Online shopping of smartphone is a new trend and eCommerce websites like Flipkart or Amazon

India facilitates this need.

Now before going ahead, let us make this clear that SBI doesn’t allow everyone as EMI eligible. According to your credit history, they choose whether you would be eligible for SBI Debit Card EMI on eCommerce website purchase.

Recommended: How to Check CIBIL Score Free

So how to check whether you are eligible for EMI on your SBI Debit Card?

How to Check SBI Debit Card EMI Eligibility

SBI Debit Card EMI Eligibility
how to activate SBI debit card for EMI
  1. Click to check eligibility – SBI Flipkart Eligibility Page (https://onlineapply.sbi.co.in/personal-banking/sbi-flipkart)
  2. Enter your mobile number to check pre-approved overdraft for e-commerce purchase on Flipkart.
  3. Now enter your SBI account number.
  4. Click on “Check Eligibility“.
  5. You will receive OTP Code from SBI.
  6. Enter the OTP and click proceed.
  7. You will receive another message from SBI with your credit limit.
  8. Finally, purchase item according to your credit limit.

If this method doesn’t work then here is an alternative –

  • Add your SBI Debit Card to Flipkart Account under settings.
  • Now on the payment page, you will see EMI option.
  • If under you see Standard EMI /Pre-approved EMI tab with State Bank of India as an option. Then you are eligible to get EMI on mobile phones using your SBI Debit Card.

SBI Debit Card EMI Eligibility via SMS

Another alternate method is to send SMS to know the eligibility.

Different banks have different numbers. Like for HDFC Debit Card, all you need to do is send a message from the registered mobile number. You have to send DCEMI to 57575 to know EMI eligibility.

For other banks send SMS in this format from the registered mobile number –

DCEMI <Last 4 Digits of Debit Card> to 56767

For Example – DCEMI 1234 to 56767

Check Out: How to Get HDFC, ICICI, SBI Debit card EMI on Flipkart

How to Buy a Phone on EMI with SBI Debit Card

EMI on SBI Debit Card for Mobile Phones: Buying on e-commerce website using EMI option is quite simple then you think. Here is the step-by-step procedure to buy smartphone using SBI Debit Card EMI.

S. No.EMI on Mobile
1.Samsung Mobiles
2.Mi Phones
3.Honor Mobiles
4.Apple Phone
5.OPPO Mobiles
6.Asus Smartphones
7.Vivo Mobiles
SBI Debit Card EMI Flipkart
debit card emi option for mobile purchase online
  1. At first, you have to go to Debit Card EMI Store – Flipkart EMI Eligible Product Page.
  2. Add your favorite smartphone to the cart. Remember that you can only buy one item for EMI eligibility.
  3. Go to “Cart” and click on “Checkout”.
  4. On payment page choose “EMI (Easy Installments)” option.
  5. Under EMI option, click on “Pre-Approved / Debit EMI” option online shopping in Flipkart.
  6. Select “State Bank of India”.
  7. Finally, enter Debit Card details and OTP to make transaction successful.

Let us show you this with an example (sbi debit card emi mobile store) –

No Cost EMI on Redmi Phone
samsung mobiles on emi with debit card

1) At first, I opened the EMI eligible product page on Flipkart.

2) Then clicked on Mobile phone option. If you are looking for something else other than smartphone then go for it.

3) Now on EMI eligible Mobile phone page, I clicked on Redmi Note 5 Pro smartphone.

4) There are two banks which are providing No Cost EMI on this phone. Bajaj Finance and HDFC Bank. Here we are going with the “Standard EMI” option.

5) I chose State Bank of India, which is taking a 14% interest rate. There are 4 EMI plans for SBI Bank Users. 3, 6, 9 and 12 EMIs.

State Bank of India EMI Plans
debit card emi option online shopping in flipkart

6) On Payment Page, if you are eligible you will be able to choose EMI option and select SBI Bank Debit Card (this have to be pre-saved in your account).

7) I chose 9 months plan for which I have to pay Rs. 1766 per month for 9 months.

EMI with SBI Debit Card Terms & Conditions

Before going ahead with EMI option for State Bank of India Debit Card you should check out these terms and conditions. Information like interest rate, minimum purchase or maximum pre-approved overdraft allowed limit is provided below.

  • You can avail EMI with SBI Debit card for a maximum of one product at a time. That means, suppose you are buying a smartphone then you can only purchase 1 at a time in order to use EMI option. This is done in order to stop bulk purchase for reselling purpose
  • Minimum purchase is Rs. 5000 in order to get eligible for EMI Payment mode
  • The maximum limit for the pre-approved overdraft is Rs. 75,000
  • EMI option comes with 3 plans. Either payback in 6, 9 or 12 months. You will be charged a 14% interest rate for all tenors.
  • The good news is that you won’t be changed anything as processing fees. Moreover, there is no cancellation charge up to 30 days from the purchase.

Also, Check:

I hope you liked this post on how to get mobile on EMI without credit card. All you need is a pre-approved SBI Debit card. It should have proper overdraft limit and you are good to go. Share your thoughts and queries regarding EMI on Debit card down below.

Labels: sbi debit card emi eligibility, sbi debit card emi
  1. HardAdela says


  2. flipkart offers says

    nice greate information bro

  3. arjun says

    how to activate debit card emi in sbi

  4. Malem says

    By sending the message will they approve me for emi eligibility

    1. Abhishek Kumar says

      By sending SMS, you will know whether you are eligible or not.

  5. Pruthvi says

    I have rupay sbi debit cacard. But in amazon it shows this card is not eligible.
    Please suggest me which card to prefer

    1. sarvesh singh says

      try different card

  6. Vinod says

    Emi e commerce details error sow kar raha h

  7. Vasant Pal says

    ak sms wala method bhi hai jisse emi ki eligibility check kar sakte hai

    1. Abhishek Kumar says

      Thanks, Vasant bhai, I have updated the post with a method to check Debit Card EMI Eligibility by sending SMS.

  8. Kaushal Singh says

    Is this applicable to all four HDFC, ICICI, AXIS and SBI Bank Debit Cards?

    1. Abhishek Kumar says

      Yes this process is valid for all four debit card mentioned by you :)

  9. Anuj Patel says

    I was looking for how to buy Samsung mobile on emi with debit card thanks for sharing this

    1. Abhishek Kumar says

      Your welcome Anuj :)

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