How to Purchase a Carpet on EMI Using an HDFC Bank Credit Card

Buying a beautiful carpet can instantly elevate the look and feel of your home—but the upfront cost can sometimes hold you back. Fortunately, HDFC Bank offers the convenience of EMI (Equated Monthly Instalment) options on credit card purchases, allowing you to pay in small monthly instalments instead of a lump sum.

Here’s a simple, step-by-step guide on how to purchase a carpet on EMI using your HDFC Bank Credit Card.

Step 1: Check Your Eligibility

Before you begin shopping, ensure that your HDFC Bank credit card is eligible for EMI transactions.
Most cards support EMI features, but limits and terms may vary.
Once confirmed, you can browse through carpets that fit your taste, comparing factors like:

• Size

• Material

• Texture and design

• Colours

• Durability

Choose a carpet that complements your space and fits your budget.

Step 2: Select Your Carpet

After ensuring eligibility, pick the carpet you want to buy.
Whether you prefer modern designs, traditional patterns, or handcrafted styles, make sure the carpet aligns with your décor. Also verify the price and seller’s EMI availability before proceeding to payment.

Step 3: Choose Your EMI Tenure

Most sellers partnered with HDFC Bank offer multiple EMI plans, commonly:

• 3 months

• 6 months

• 9 months

• 12 months

Choose a tenure based on your comfort level.
Shorter tenures cost more per month but lower the total interest, while longer tenures offer smaller monthly instalments.

Step 4: Make the Payment

Once you’re ready to purchase:

1. Proceed to checkout.

2. Select HDFC Bank Credit Card EMI as the payment method (if available).

3. Enter your card details and confirm the EMI plan.

If the seller does not offer EMI at checkout, you can still convert the transaction into EMI later through HDFC’s portal or customer care.

Step 5: EMI Conversion by HDFC Bank

After the purchase, HDFC Bank will process the EMI conversion and send you a confirmation message containing:

• Monthly EMI amount

• Interest rate (if applicable)

• Total tenure

• First instalment date

Keep this message handy for your records.

Step 6: Paying Your EMIs

Your monthly EMI will be automatically charged to your credit card every billing cycle. Make sure your credit limit is sufficient to avoid additional charges or penalties. Timely payments help you maintain a good credit score and avoid late fees.

Step 7: Track Your Payments

Always monitor your credit card statements, either through:

• HDFC NetBanking

• HDFC Mobile App

• Monthly billing statements

Ensure each EMI instalment is correctly deducted. If you notice any mismatch or delay, contact HDFC Bank immediately.