The Amazon Great Indian Festival 2025 is one of the most-awaited shopping events in India, offering incredible discounts across categories. Along with these price cuts, the real value lies in the variety of EMI Offers in Amazon Sale 2025 that make high-value purchases affordable for everyone. Amazon has tied up with top banks and financiers to provide No-Cost EMI, Standard EMI, Debit Card EMI, and partner EMI card options, making it easier to buy premium products like smartphones, laptops, appliances, and furniture.
Types of EMI Options in Amazon Great Indian Festival 2025
Amazon has introduced multiple EMI schemes so that customers can buy expensive products without financial strain. Here are the main EMI types available during the sale.
1. No-Cost EMI
- Pay only the product price, with no extra interest.
- Tenure: 3, 6, 9, and 12 months.
- Interest cost absorbed by Amazon or the brand.
- Example: OnePlus 12 at ₹59,999 → No-Cost EMI = ₹4,999/month (12 months).
2. Credit Card EMI
Credit card holders can easily convert their Amazon purchases into EMIs.
- Available with SBI, HDFC, ICICI, Axis, Kotak, and Federal Bank.
- Flexible tenure: 3 to 24 months.
- Standard EMI comes with interest (~12–15% p.a.), but many products have no-cost EMI options.
- Some banks also provide bonus discounts on EMI purchases.
3. Debit Card EMI
Debit card EMIs allow shoppers without credit cards to still enjoy installment benefits.
- Offered by SBI, HDFC, and ICICI debit cards.
- Eligibility is pre-approved by banks and checked during checkout.
- Great for first-time EMI users.
4. Amazon Pay ICICI Bank Credit Card
This co-branded card is a strong option for Amazon loyalists.
- A lifetime free card with EMI flexibility.
- 5% cashback on Amazon (Prime users).
- 3% cashback (non-Prime users).
- EMI conversion available on purchases above ₹3,000.
5. Bajaj Finserv Insta EMI Card
Perfect for shoppers who don’t have a credit card.
- No-cost EMI with zero down payment.
- Tenure up to 24 months.
- Accepted on a wide range of Amazon products.
6. ZestMoney EMI
An alternative EMI solution for online shoppers.
- Digital EMI service for customers without credit cards.
- Can be used for mobiles, electronics, and lifestyle products.
- Flexible tenure and eligibility based on KYC.
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Bank-Wise EMI Offers in Amazon Sale 2025
Amazon has tied up with top banks to provide easy monthly installments. Each bank offers different tenures, discounts, and benefits for its customers.
| Bank / Partner | EMI Tenure Options | Key Highlights |
| SBI Card | 3–24 months | 10% instant discount + no-cost EMI on smartphones, electronics |
| ICICI Bank | 3–18 months | Amazon Pay ICICI card → cashback + EMI conversion |
| HDFC Bank | 3–12 months | EMI on mobiles, laptops, smartwatches; cashback via SmartBuy |
| Axis Bank | 3–12 months | Discounts on smartphones + EMI benefits |
| Kotak Bank | 3–12 months | No-cost EMI on select gadgets |
| Federal Bank | 3–9 months | EMI on debit & credit cards |
| Bajaj Finserv | 3–24 months | Insta EMI card → no-cost EMI + zero down payment |
| ZestMoney | 3–9 months | Flexible EMI for mobiles and electronics |
Suggested Read: Best Credit Cards for Amazon Festive Sale
Products Eligible for EMI in Amazon Sale 2025
Not every product is eligible for EMI, but most high-ticket items are. Below are the key categories where EMI offers can be used effectively.
Smartphones
- iPhone 16 series starting at ₹52,999 with no-cost EMI.
- Samsung Galaxy S24 with EMI options up to 18 months.
- Google Pixel 9 Pro is available with EMI as low as ₹3,999/month.
- OnePlus 12 with zero down payment EMI (Bajaj Finserv/ZestMoney).
Also Read: Best Smartphones in Amazon GIF Sale 2025
Laptops & Tablets
- HP, Dell, Lenovo, and Apple MacBooks with 6/9/12 month EMI.
- iPads with no-cost EMI + exchange offers.
Wearables & Gadgets
- Smartwatches from Apple, Samsung, Amazfit, and Noise on EMI starting ₹1,000/month.
Home Appliances
- Smart TVs, refrigerators, washing machines, and ACs with up to 24-month EMI options.
Furniture
Sofas, dining sets, and wardrobes on EMI starting at ₹500/month.
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How to Avail EMI on Amazon
Activating EMI on Amazon is simple and convenient. Follow these steps during checkout to convert your purchase into affordable monthly installments.
- Select an EMI-eligible product and add it to your cart.
- Proceed to Payment Options.
- Choose “EMI (Easy Installments)”.
- Pick your bank, card type, and preferred tenure.
- Review the EMI breakdown before confirming the order.
For Amazon Pay ICICI Credit Card:
- EMI is available for transactions above ₹3,000.
For Bajaj Finserv Insta EMI Card:
Select the No-Cost EMI (Bajaj Finserv) option at checkout.
Benefits of EMI in Amazon Great Indian Festival
Choosing EMI doesn’t just reduce your upfront cost—it also provides flexibility and helps you make smarter shopping decisions during the sale.
- Affordability: Buy big-ticket products without paying in full up front.
- No-Cost EMI: Pay only the product price with no extra cost.
- Flexible Tenures: Choose from 3 to 24 months.
- Stackable Discounts: Combine bank instant discounts with EMI offers.
- Wide Product Range: EMI available on smartphones, laptops, wearables, appliances, and furniture.
Checklist Before Choosing EMI on Amazon
Before confirming your order with EMI, there are certain important points to review to avoid unexpected costs and maximize savings.
- Look for the “No-Cost EMI Available” label on product pages.
- Check tenure availability (3/6/9/12 months).
- Verify bank discount limits on EMI transactions.
- Ensure credit/debit card limit sufficiency.
- Check if processing fees apply for standard EMI.
Suggested Read: Best EMI Offers in Flipkart BBD Sale 2025
Conclusion
The EMI options available during the Amazon Great Indian Festival 2025 make premium products accessible to everyone. By combining bank discounts with flexible payment tenures, shoppers can enjoy both savings and convenience.
From No-Cost EMI and Debit Card EMI to Amazon Pay ICICI Card and Bajaj Finserv Insta EMI, Amazon ensures that customers can shop without worrying about upfront costs. With tenures up to 24 months, this festive season is the best time to upgrade to premium gadgets, appliances, and furniture.
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