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UPDATE-- IRCTC shopping wishes you a prosperous Diwali. Our customer care will be available till 3PM today.
 
 

Everything is affordable now! Hard to believe, isn't it? Buying a pair of shoes, a dress, big screen TV for your home, jewellery or a classy watch for your loved one is not far away. Why pay in full, when you can pay in parts?

We offer you an exclusive experience by providing you a flexible payment option. IRCTC Shopping Portal brings you the EMI option. Now, you can buy any product on easy instalments. Customers with HDFC credit cards do not need a minimum shopping cart value to use the EMI option. Customers with American Express and ICICI credits cards need a minimum cart value of Rs. 1500 to avail EMI option.

To know more about the processing charges refer to the EMI grid below. The processing charges are as per the EMI plan you tend to choose for three or six months.

Name of the bank Minimum order amount to avail EMI (In ) EMI Processing Charges
Three Months EMI Six Months EMI
HDFC Bank 0   12%   12%
AMEX 1500 - 17.88%
ICICI 1500 13% 13%
EMI facility is available only on credit cards.
Select a product(s) across different categories.
Choose the mode of payment. Select "EMI" & enter the required details.
Once the order is processed deductions will be made from the given account.

Key Points

  • There are 2 EMI payment options - 3 months and 6 months.
  • For Returns, Partial Returns and Replacements, refunds will be made to My Wallet only (read next section for more information on My Wallet). Refunds of EMI processing charges will be on a prorated basis and is non-cashable.
  • In case of any kind of refund in an EMI transaction, interest already billed in a particular transaction will not be refundable under any circumstances.
  • EMI option is applicable to HDFC, AMEX and ICICI credit card holders only.

How it works?

  • Select any product(s) you like & click on the "Buy Now" button followed by "Proceed to pay".
  • Once you click on the "Proceed to pay" button, you have an option of "EMI".
  • Select the option that suits you the best.

Refunds and My Wallet

  • My Wallet is a digital wallet that electronically holds cash exclusively for registered users. My Wallet contents can be used to make purchases on IRCTC Shopping Portal or refunded back to the customer in cash. My Wallet contents do not expire.
  • Cash Refunds from My Wallet are available for orders paid by Credit Card, Debit Card, Net Banking, EMI and Cash on Delivery.
  • EMI processing fee is non-cashable; you may use it for future shopping on IRCTC Shopping Portal through your wallet.
  • In case of any kind of refund in an EMI transaction, interest already billed in a particular transaction will not be refundable under any circumstances.

Payment Options

     

Shipping Partners

      
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