EMI FAQs and T&C

0% EMI Scheme

FAQ

What is the offer?

The Offer is 0% EMI scheme. You shop on www.syskaledlights.com website using any credit card. At the time of payment you will choose the EMI option & pay by your credit card. You will pay all EMIs with interest & you will get cashback of the interest amount after end of the EMI tenure. The minimum order value to avail the 0% EMI payment option is Rs 3,000.00

How do I make a payment using credit card EMI option?

Once you've added the desired items into your cart, proceed to checkout as usual. Please note that the credit card EMI option is available only when the cart contains minimum purchases of Rs3,000.00

When prompted to choose a 'Payment Option', select 'Credit Card (EMI)'. Choose the bank and plan (3, 6, 9 or 12-month) of your choice and enter your credit card details. Once the payment is authorized, your order will be processed and shipped. You will need to pay the total amount, in the pre-determined number of instalments, as per your credit card billing cycles.

Please note that the full amount will be charged on your card the day of the transaction. The first EMI charge will occur subsequently. If your card's billing date falls within those 7 working days, you need to pay only the EMI amount to the bank. Such EMI transactions are at the discretion of your credit card issuing bank

When will I get the cash back?

Cash back will be credited to the card holder's account in 3-4 working days after end of the EMI tenure.

Do I need a promo code to avail the cash back offer?

No, you do not need a promo code. Just use your credit to make this purchase. At the time of payment select the EMI option & EMI tenure.

What is the maximum cashback that I can avail?

SSK retails PVT LTD Ecommerce Business will pay all interest amount on your purchase as cashback. There is no limit to cashback amount.

Can I avail cash back on credit card on EMI?

Yes, the cashback is applicable on EMI on all credit cards.

Can I avail cash back on card payment on delivery?

No, we do not have cash on delivery.

Is the offer applicable on purchase of any item?

Yes, the 0% EMI scheme is applicable to all products listed on www.syskaledlights.com

Is net banking included?

No, net banking transactions are not included.

Are there any processing fees included?

No, there are no processing fees for choosing 0% EMI scheme.

Terms and Conditions

Select a Bank:

       

ICICI Bank  Purchase Value: Rs. 3,000.00

             

Tenure

Interest rate

Principle

Interest

Cashback

You Pay p.m.

Total pay

             

3

13

1000.00

97.50

97.50

1000.00

3000

6

13

500.00

195.00

195.00

500.00

3000

9

13

333.33

292.50

292.50

333.33

3000

12

13

250.00

390.00

390.00

250.00

3000

             

Axis Bank  Purchase Value: Rs. 3,000.00

             

Tenure

Interest rate

Principle

Interest

Cashback

You Pay p.m.

Total pay

             

3

12

1000.00

90.00

90.00

1000.00

3000

6

12

500.00

180.00

180.00

500.00

3000

9

13

333.33

292.50

292.50

333.33

3000

12

13

250.00

390.00

390.00

250.00

3000

             

Kotak Bank  Purchase Value: Rs. 3,000.00

             

Tenure

Interest rate

Principle

Interest

Cashback

You Pay p.m.

Total pay

             

3

12

1000.00

90.00

90.00

1000.00

3000

6

12

500.00

180.00

180.00

500.00

3000

9

14

333.33

315.00

315.00

333.33

3000

12

14

250.00

420.00

420.00

250.00

3000

             

IndusInd Bank  Purchase Value: Rs. 3,000.00

Tenure

Interest rate

Principle

Interest

Cashback

You Pay p.m.

Total pay

             

3

14

1000.00

105.00

105.00

1000.00

3000

6

14

500.00

210.00

210.00

500.00

3000

9

14

333.33

315.00

315.00

333.33

3000

12

14

250.00

420.00

420.00

250.00

3000

             

HDFC Bank  Purchase Value: Rs. 3,000.00

             

Tenure

Interest rate

Principle

Interest

Cashback

You Pay p.m.

Total pay

             

3

12.50

1000.00

93.75

93.75

1000.00

3000

6

12.50

500.00

187.50

187.50

500.00

3000

9

13.50

333.33

303.75

303.75

333.33

3000

12

13.50

250.00

405.00

405.00

250.00

3000

             
             

This table shows different banks and the respective EMI options based on the product price. This is for indicative purposes only, your EMI payments may differ with total order amount. Select your preferred EMI option at the time of payment. Final EMI is calculated on the total value of your order at the time of payment.

0% EMI Details

? 0% EMI option is available on all credit cards.

? The minimum order value to avail the 0% EMI payment option is Rs 3,000

  • Processing charges are nil.

? You will have to pay the principle amount.

? SSK retails PVT LTD Ecommerce Business will return the interest portion as cashback at end of the EMI tenure.

? Cashback will be directly credited to your credit card.