Top of main content
Father and son using laptop on the sofa; image used for HSBC India Instant EMI

Instant EMI

Buy a wide range of products and services from electronics to travel and more on your HSBC Credit Card, and repay in EMIs (Equated Monthly Instalments) at your convenience.

Instant EMI features & benefits

Buy a wide range of products and services from electronics to travel and more on your HSBC Credit Card, and repay in EMIs (Equated Monthly Installments) at your convenience.

Make your shopping a lot more convenient and rewarding. Repay the purchase value in EMIs over a period of time.

  • Repayment tenure of 3, 6, 9, 12, 18 or 24 months
  • No documentation required
  • Earn Reward points on your card on the EMI transactions 
  • Nil processing fees

Interest rate on the Instant EMI facility is applicable basis the tenure selected. Please refer the below table

Instant EMI Tenure Interest Rates

Tenure of Instant EMI facility (in months) 3 6 9 12 18 24
Interest rate (per annum)
12.5% 
12.5% 
13.5%
13.5%
13.5%
15%

Instant EMI Tenure Interest Rates

Tenure of Instant EMI facility (in months) Interest rate (per annum)
3 12.5% 
6 12.5% 
9 13.5%
12 13.5%
18 13.5%
24 15%

Now when you shop with your HSBC Credit Card for the latest gadgets, fresh groceries, trendy apparel or booking travel tickets, pay in easy instalments at the listed merchant partners.

Offers to be confirmed by the merchant at the point of sale/ prior to purchase

Get the latest iPhone with a No Cost EMI

Use your HSBC credit card when you buy your next iPhone and avail for a 24-month *No Cost EMI with deferred payment facility.

  • 75% of the transaction value will be converted into 24 month no cost EMIs

  • The remaining 25% will be payable at the end of 24 months

Also, register for the 25% Assured Buy Back plan from Servify at the store at the time of purchase.

Offer period: 15 March 2021 to 31 May 2021 (Valid on select models of iPhone at all leading stores)

*Under the “No-Cost-EMI Offer” Facility terms, the total interest charged on the installment plan, viz. 75% of purchase amount, would be credited as cashback to Cardholder’s card account after completion of 90 days from the month of the purchase transaction. Applicable tax charges in form of GST shall apply. Refer terms and conditions carefully.

 

Read more about Get an iPhone 12 offer Terms and Conditions

Important Information

Save more with a HSBC Cashback Credit Card

No Joining Fees. Get 1.5% cashback on online spends and 1% on others with no cap.

T&C Apply

Terms & Conditions

If approved, your credit card will be dispatched within 3 weeks. Please contact HSBC Phone Banking, after 3 weeks to know the status of your credit card application.

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. All features and benefits are subject to Terms and Conditions. Please refer to the respective web pages to know more details.

Here's an easy way to share your thoughts, stay informed and join the conversation. Follow us: