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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

Enjoy 5% Cashback at selected merchants on Innnoviti POS terminals

Don't miss out on the latest trends under G.L.A.M.R programme offered by Innoviti, this festive season. Avail 5% Cashback at Shoppers Stop, Pantaloons, Reliance Trends and many more participating stores.

Terms and conditions:

  • Offer period: 1 October 2021 to 31 December 2021
  • Offer: 5% Cashback1 only on 6-months instant EMI facility on HSBC credit cards (instant EMI terms and conditions apply)
  • Minimum transaction value at Shoppers Stop: INR7,000 per transaction
  • Minimum transaction value across other brand outlets: INR3,000 per transaction
  • No cost2 offer on EMI facility: available on in-store purchases only. HSBC Credit Card needs to be swiped on Innoviti point of sale (POS) machines at select brand and merchant locations

 

Cashback will be credited to card post 90 days from the month of transaction (G.L.A.M.R offer terms and conditions apply), effectively giving you the benefit of a No Cost EMI.

No Cost EMI offer is available on select products and select tenures. Please check the applicability of the No Cost EMI offer with the store manager as offered by Innoviti, before making the payment. Verify it against the charge slip issued post purchase too.

 

HSBC will continue to charge interest as per applicable terms of Instant EMI facility. The interest portion will be credited to your card as cashback post 90 days from the month of transaction effectively giving you a benefit of a No Cost EMI. Applicable tax charges in form of GST shall apply.

Get ready to unfold your world with the Samsung Galaxy ZFold3 and Zflip3 5G by availing No Cost3 EMI offers on your HSBC Credit Card.

Offer Terms & Conditions:

  • Offer Period: 01 October 2021 to 31 December 2021
  • Offer valid on HSBC Credit Card Instant EMI facility, on select tenures. Instant EMI terms and conditions apply
  • No Cost offer3 on EMI facility, is available on in-store purchases only, HSBC Credit Card needs to be swiped on Pine Labs Point of Sale (POS) machines to avail the offer
  • Exchange bonus4 of up to INR7,000
  • No Cost EMI Cashback as provided by Samsung will be credited to card post 90 days from the month of transaction

 

HSBC will continue to charge interest as per applicable terms of Instant EMI facility. The interest portion will be credited to your card as cashback post 90 days from the month of transaction effectively giving you a benefit of a No Cost EMI. Applicable tax charges in form of GST shall apply.

No Cost EMI offer is available on select products and select tenures. Please check the applicability of the No Cost EMI offer and the exchange bonus terms and conditions with the store manager as offered by Samsung, before making the payment. Verify it against the charge slip issued post purchase too.

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.

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