![The big-ticket categories Flipkart shoppers put on EMI — a gaming laptop, an iPhone, a 55-inch television, a refrigerator, a washing machine and a split air conditioner — arranged as a colour-block panel, on this page explaining Flipkart EMI tenures, interest and payment options]()
Flipkart's checkout offers a monthly number before it offers a total, and the monthly number is the one that sells. Its own payments page publishes the total: a Rs. 20,000 purchase repaid over twelve months costs Rs. 21,436.15. There is no processing fee — Flipkart is clear about that — but there is bank interest at 12 to 13%, and it is not the same thing.
Below: every tenure and what it adds, which banks allow 18 and 24 months and above what order value, the Rs. 50,000 Cash on Delivery ceiling, and the return clause that keeps the interest.
📅 Read 8 September 2026 from flipkart.com's payments page
EMI 3 to 24 months · 12–13% bank interest in Flipkart's own example
Cash on Delivery capped at Rs. 50,000, cash only
📅 Update log:
8 Sep 2026 — first published, from the Payments help page at flipkart.com/pages/payments as served to a logged-out visitor on 8 September 2026. Flipkart and the participating banks can change tenures, rates, minimum order values and the Cash on Delivery ceiling at any time, so we re-read the page and log any change to the EMI table, the bank list or the C-o-D rules here.
Flipkart charges no EMI processing fee. Its own example still adds Rs. 1,436 to a Rs. 20,000 order
Flipkart states plainly that there is no processing fee for using its credit-card EMI option. That is worth having, and it is also the smaller half of the story. The page then publishes its own worked example of a Rs. 20,000 purchase, and the example prices the part Flipkart does not charge you for: the bank's interest.
Over three months, that Rs. 20,000 is repaid as Rs. 20,401.33 — Rs. 401.33 of interest at 12%. Stretch the same purchase to twelve months and the rate rises to 13% and the total becomes Rs. 21,436.15. The longer the tenure, the smaller the monthly number and the larger the amount you actually part with; on this table, the difference between the shortest and longest plan is Rs. 1,034.82 on one mid-range phone.
Flipkart describes the table as a representative rendering, so treat the rates as illustrative rather than a quote — the rate you get is set by your card issuer at checkout. But the shape of it is the point: a no-fee EMI is not a no-cost EMI, and the two are easy to confuse in a checkout flow that shows you a monthly figure first.
| Tenure | Monthly instalment | Bank interest rate | Total you pay | Interest to the bank |
|---|
| 3 months | Rs. 6,800.44 | 12.00% | Rs. 20,401.33 | Rs. 401.33 |
| 6 months | Rs. 3,450.97 | 12.00% | Rs. 20,705.80 | Rs. 705.80 |
| 9 months | Rs. 2,344.32 | 13.00% | Rs. 21,098.89 | Rs. 1,098.89 |
| 12 months | Rs. 1,786.35 | 13.00% | Rs. 21,436.15 | Rs. 1,436.15 |
💳 Two details the page adds that change the maths. First: “On return or exchange, interest charged by the bank till that time will not be refunded by Flipkart.” Return an EMI purchase and the interest already accrued stays spent. Second: the full amount is charged to your card on the day of the transaction — the instalment plan is an arrangement with your bank afterwards, so the entire purchase blocks that much of your credit limit immediately. Flipkart also points you to your own bank to find out how a cancellation, refund or pre-closure affects the plan.
18 and 24-month plans exist on seven banks, and only above a minimum order value
The tenures Flipkart lists are 3, 6, 9, 12, 18 and 24 months, on credit cards from HDFC, Citi, ICICI, Kotak, Axis, IndusInd, SBI, Standard Chartered and HSBC. The last two of those tenures carry an asterisk, and the page's own table explains it.
SBI and HSBC do not offer 18 or 24-month plans at all. The other seven do, but each sets a floor: Rs. 10,000 on HDFC, Citi and ICICI, and Rs. 4,000 on Kotak, Axis, IndusInd and Standard Chartered. Below that floor, the longest plan on the table is twelve months.
It is a small table with a practical consequence. If you are buying a Rs. 6,000 pair of headphones and want to spread it over two years, an HDFC card will not offer it and an Axis card will. If you are buying a Rs. 60,000 laptop, every bank on the list that supports the tenure will.
| Bank | 18 & 24-month tenure | Minimum order value for those tenures |
|---|
| HDFC | Yes | Rs. 10,000 |
| Citi | Yes | Rs. 10,000 |
| ICICI | Yes | Rs. 10,000 |
| Kotak | Yes | Rs. 4,000 |
| Axis | Yes | Rs. 4,000 |
| IndusInd | Yes | Rs. 4,000 |
| Standard Chartered | Yes | Rs. 4,000 |
| SBI | No | Not applicable |
| HSBC | No | Not applicable |
Cash on Delivery stops at Rs. 50,000, and is stricter than it looks
Cash on Delivery remains a first-class payment method on Flipkart, with a published ceiling: Rs. 50,000 is the maximum order value. Above that, the option is not available, which quietly rules it out for most large televisions, premium phones and higher-spec laptops.
The other conditions matter at the door rather than at checkout. It is a cash-only method — Flipkart states that gift cards and store credit cannot be used on a C-o-D order, and that foreign currency is not accepted. Only listings that display the “Cash on Delivery Available” icon can be ordered this way, and the checkout adds a CAPTCHA step to validate the order before it is processed for shipment.
| Cash on Delivery question | What Flipkart's payments page says |
|---|
| What is the maximum order value? | Rs. 50,000 for a Cash on Delivery order |
| Which orders qualify? | Only items showing the “Cash on Delivery Available” icon on the product page |
| Can you part-pay with a gift card? | No — gift cards and store credit cannot be used on a C-o-D order |
| Can you pay in another currency? | No. Indian rupees only, and strictly cash at the door |
| Is there an extra step at checkout? | Yes — you enter a CAPTCHA to validate the order before it is confirmed |
💰 On hidden charges, the page is unambiguous. “There are NO hidden charges when you make a purchase on Flipkart. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay.” The one carve-out it names is delivery: charges may be extra depending on the seller's own policy, and for the seller WS Retail the Rs. 50 delivery charge is waived on orders worth Rs. 500 and over.
Every method Flipkart lists, and the one list that has aged
The accepted-methods list is broad: net banking, gift card, Cash on Delivery, Wallet, and Visa, MasterCard, Maestro and American Express cards issued in India and 21 other countries. Card payments are routed through bank-managed gateways with 256-bit encryption and the 3D Secure step — Verified by VISA and Mastercard SecureCode — which is registered with your card issuer, not with Flipkart.
One caveat sits inside the card section and is easy to miss: internationally issued credit and debit cards cannot be used for Flyte, Wallet or eGV payments and top-ups. They work for ordinary purchases; they do not work for loading balances.
The net-banking list deserves a health warning of its own. It is long and it is visibly out of date — it still names ING Vysya Bank, Bank of Rajasthan, ABN Amro, State Bank of Mysore, State Bank of Travancore, State Bank of Hyderabad, Corporation Bank, Vijaya Bank, Syndicate Bank and Oriental Bank of Commerce, all of which were merged into other banks years ago. That does not mean net banking is unreliable; it means this help page has not been rewritten in a long time, and the list of banks your checkout actually offers is the one to trust.
| Payment method | What the page says about it |
|---|
| Credit cards | Visa, MasterCard and American Express, issued in India and 21 other countries; you are redirected to the bank for the 3D Secure password |
| Debit cards | Visa, MasterCard and Maestro. For Maestro, the expiry date and CVV are optional; the bank's own password page completes the payment |
| Net banking | A long published list of Indian banks, from the largest to small regional ones — see the note below on how dated that list is |
| Cash on Delivery | Cash at the door, capped at Rs. 50,000 per order, on eligible items only |
| Gift Card | Accepted on normal orders, but not on Cash on Delivery orders |
| Wallet | Accepted — but internationally issued cards cannot be used to top up Wallet or eGV balances |
| Credit-card EMI | 3, 6, 9 or 12 months on nine listed banks; 18 and 24 months on select banks above a minimum order value |
What to check before you tap pay
Read the total, not the monthly figure. On the page's own example a twelve-month plan costs Rs. 1,436.15 more than paying outright. If the item is affordable on a shorter tenure, the shorter tenure is cheaper — the monthly number is the one designed to look small.
If you might return it, think twice about EMI. Flipkart says interest charged by the bank up to the point of return or exchange is not refunded. On a product you are unsure about, that interest is the price of changing your mind.
Check your credit limit, not just your budget. The full amount is charged on the day of the transaction, so a Rs. 60,000 EMI purchase occupies Rs. 60,000 of limit on day one.
For Cash on Delivery, check the icon and the ceiling. Only listings showing the C-o-D icon qualify, the cap is Rs. 50,000, and you will need the exact cash in rupees — no gift card, no card, no foreign currency at the door.
How this page was read, and what it does not tell you
Everything here comes from Flipkart's own Payments help page at flipkart.com/pages/payments, read on 8 September 2026 as a logged-out visitor in India. The accepted payment methods, the statement that listed prices are final and all-inclusive, the WS Retail delivery-charge waiver above Rs. 500, the Cash on Delivery rules and its Rs. 50,000 ceiling, the card acceptance lists and the 3D Secure explanation, the restriction on internationally issued cards for Flyte, Wallet and eGV, the net-banking bank list, the EMI tenures, the per-bank table of 18 and 24-month support with minimum order values, the statement that there is no processing fee, the note that interest is not refunded on return or exchange, the note that the full amount is charged on the transaction day, and the worked Rs. 20,000 example with its instalments, rates and totals are all Flipkart's own published text, quoted or paraphrased without adjustment.
What that means for what you can conclude. We read the help page only: no order was placed, no EMI plan was taken, no card was charged and no bank was contacted, so nothing here reports the interest rate any particular issuer will quote you at checkout today. Flipkart itself calls the Rs. 20,000 table a representative rendering, so treat those rates as illustrative. Bank participation, tenures, minimum order values and rates are set by the card issuers and change without notice, as do Flipkart's own terms; the checkout page is authoritative for your order. The observation that the published net-banking list still names banks that have since been merged is ours, made by comparing the list against publicly known Indian bank mergers — it is a comment on the age of the help page, not an allegation that net banking fails. No-cost-EMI promotions, debit-card EMI, Flipkart Pay Later, Cardless Credit, UPI and bank-specific card offers are not described on this page and are therefore not covered here. Nothing on this page is financial advice, and borrowing on a credit card is a decision only you can price. No wrongdoing by Flipkart or any bank is alleged or implied.
The short version
No processing fee is not no cost. Flipkart's own example turns a Rs. 20,000 purchase into Rs. 20,401.33 over three months and Rs. 21,436.15 over twelve, at 12–13% bank interest.
The long tenures are conditional. 18 and 24-month plans are unavailable on SBI and HSBC, and elsewhere need a minimum order of Rs. 10,000 (HDFC, Citi, ICICI) or Rs. 4,000 (Kotak, Axis, IndusInd, Standard Chartered).
Returning an EMI purchase costs you the interest. Flipkart states the bank interest charged up to that point is not refunded — and the full amount hits your card on day one regardless of tenure.
Cash on Delivery stops at Rs. 50,000, is cash-only in rupees, excludes gift cards and store credit, and works only on listings showing the C-o-D icon.
Frequently Asked Questions
Does Flipkart charge a fee for EMI?
Flipkart states there is no processing fee for using its credit-card EMI option — but the bank charges interest, and that is a separate cost. Flipkart's own worked example on the payments page prices a Rs. 20,000 purchase across four tenures: Rs. 6,800.44 a month for 3 months at 12% (Rs. 20,401.33 in total), Rs. 3,450.97 for 6 months at 12% (Rs. 20,705.80), Rs. 2,344.32 for 9 months at 13% (Rs. 21,098.89) and Rs. 1,786.35 for 12 months at 13% (Rs. 21,436.15). Flipkart describes that table as a representative rendering, so the rate you are actually offered is set by your card issuer at checkout. Read from flipkart.com/pages/payments on 8 September 2026.
Which banks offer 18 and 24-month EMI on Flipkart?
According to Flipkart's published table, HDFC, Citi, ICICI, Kotak, Axis, IndusInd and Standard Chartered support the 18 and 24-month tenures; SBI and HSBC do not. Each supporting bank also sets a minimum order value for those long tenures: Rs. 10,000 on HDFC, Citi and ICICI, and Rs. 4,000 on Kotak, Axis, IndusInd and Standard Chartered. Below the minimum, the longest plan available on that table is 12 months. The standard tenures — 3, 6, 9 and 12 months — are listed for all nine banks. Bank participation can change at any time, so the plans shown at checkout are what apply to your order.
What happens to my EMI if I return the product?
Flipkart's payments page says it directly: “On return or exchange, interest charged by the bank till that time will not be refunded by Flipkart.” In other words, the purchase amount is dealt with through the refund, but the interest your bank has already charged on the instalment plan stays with the bank. Flipkart adds that you should check with the respective bank or card issuer on how a cancellation, refund or pre-closure affects the EMI terms and what interest charges apply. It also notes that the full amount is charged to your card on the day of the transaction, so the plan is an arrangement with your bank that follows the purchase rather than replacing it.
What is the maximum Cash on Delivery amount on Flipkart?
Rs. 50,000 per order. Flipkart's payments page lists that as the maximum order value for a Cash on Delivery payment, and sets three further conditions: it is strictly a cash-only payment method, gift cards and store credit cannot be used on a C-o-D order, and foreign currency is not accepted — Indian rupees only. Only items displaying the “Cash on Delivery Available” icon can be ordered this way. At checkout you select “Pay By Cash on Delivery” and enter a CAPTCHA for validation, after which the order is processed for shipment and paid in cash to the delivery partner at the door.
Are there hidden charges on a Flipkart order?
Flipkart's own answer is no: “There are NO hidden charges when you make a purchase on Flipkart. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay.” It names one exception — delivery charges, which may be extra depending on the individual seller's policy, so the seller on the listing is the one to check. For the seller WS Retail, the page says the Rs. 50 delivery charge is waived on orders worth Rs. 500 and over. Separately, if you pay by EMI, the bank's interest is a real cost that sits outside the product price, even though Flipkart charges no processing fee of its own.
Prices & codes last verified: 8 September 2026
Everything on this page is taken from Flipkart's own Payments help page, read on 8 September 2026 from flipkart.com/pages/payments as served to a logged-out visitor in India. The list of accepted payment methods, the statement that listed prices are final and all-inclusive, the WS Retail delivery-charge waiver on orders of Rs. 500 and over, the Cash on Delivery rules including the Rs. 50,000 maximum order value and the cash-only, rupees-only and no-gift-card conditions, the card acceptance lists and the 3D Secure explanation, the restriction on internationally issued cards for Flyte, Wallet and eGV top-ups, the credit-card EMI tenures and bank list, the per-bank table of 18 and 24-month availability and minimum order values, the no-processing-fee statement, the note that bank interest is not refunded on return or exchange, the note that the full amount is charged on the day of the transaction, and the worked Rs. 20,000 EMI example with its instalments, interest rates and totals are all Flipkart's own published text, quoted or paraphrased without adjustment. Flipkart describes the Rs. 20,000 table as a representative rendering of EMI plans, and we present it as such rather than as a quote for any individual card. We did not place an order, take an EMI plan, contact any bank or test any payment method, so nothing here reports the rate, tenure or eligibility your own issuer will offer at checkout. The observation that the published net-banking list still names banks since merged into others is ours, based on publicly known Indian bank mergers, and is offered as a comment on how long ago the help page was written rather than as any suggestion that net banking does not work. Interest rates, participating banks, minimum order values, the Cash on Delivery ceiling and Flipkart's terms can change without notice, and the checkout page is authoritative for your order. No-cost-EMI promotions, debit-card EMI, Flipkart Pay Later, Cardless Credit, UPI and bank-specific card offers are not described on this help page and are not covered here. Nothing on this page is financial advice. Zoutons earns affiliate commission on some links; this does not affect what is written above.
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