• What is a ‘EMI’?

    EMI is one of the payment methods available on our sites and apps. It allows you to pay for your orders in easy monthly installments, provided you have a card from any of the following banks or payment partners mentioned below. The EMI payment method is available on the following cards:

    All major credit cards (ICICI Bank, HDFC Bank, Citibank, SBI Card, Standard Chartered Bank, Kotak Mahindra Bank, Axis Bank, HSBC Bank, IndusInd Bank, Corporation Bank, Ratnakar Bank Limited, Central Bank of India, IDBI Bank)

    If your order is eligible for purchase on EMI, you will have EMI option enabled for your purchase.

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  • How do I make a payment using EMI option?

    If your order is eligible for purchase on EMI, you can select ‘EMI’ as the payment mode during checkout. Follow these simple steps:

    1. Choose your credit-card issuing bank you wish to pay from
    2. Select the EMI tenure of your preference
    3. Enter your credit card details
    4. Click ‘Pay Now’

    Please note that your card issuing bank or payment partner has the discretion to either approve or reject an order placed using the EMI payment option.

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  • Are all orders eligible for payment by EMI?

    Orders above Rs.3,000 and above are eligible for an EMI payment.

    Your card issuing bank or payment partner has the discretion to either approve or reject an order placed using the EMI payment option on the basis of your eligibility. If your bank or payment partner rejects your request,you can approach your bank or payment partner to understand why the EMI was not approved. In such cases, you can choose to cancel your order.

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  • Which credit cards can I use for EMI payment?

    We are supporting all major credit cards from ICICI Bank, HDFC Bank, Citibank, SBI Card, Standard Chartered Bank, Kotak Mahindra Bank, Axis Bank, HSBC Bank, IndusInd Bank, Corporation Bank, Ratnakar Bank Limited, IDBI Bank and Central Bank of India.

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  • What are the tenure options available for EMI payments?

    You can choose to pay in easy installments of 3, 6, 9, 12, 18*, or 24 months* with credit cards from the following banks:

    *18 & 24 months EMI options are available from select banks only. Please refer to the table below for more details:

     Sr. No.  Bank  3 Months  6 Months  9 Months  12 Months  18 Months  24 Months
     1  ICICI Bank 13% 13% 13% 13%    
     2  Axis Bank 12% 12% 13% 13%    
     3  Kotak Mahindra Bank 12% 12% 14% 14% 15% 15%
     4  Induslnd Bank 14% 14% 14% 14%    
     5  HSBC 12.50% 12.50% 13.50% 13.50% 13.50%  
     6  Central Bank of India 13% 13% 14% 14%    
     7  Standard Chartered Bank 13% 13% 14% 14% 15% 14%
     8  Corporation Bank   16% 18% 18%    
    9  Ratnakar bank Limited 13% 13% 13% 13% 13% 13%
     10  HDFC Bank 13% 13% 14% 14%    
     11  State Bank of India 14% 14% 14% 14% 14% 14%

     

    There is NO processing fee charged for availing EMI payment option. On return, interest charged by the bank till that time will not be refunded.

    You may check with the respective bank/issuer on how a cancellation, refund or pre-closure could affect the EMI terms, and what interest charges would be levied on you for the same.

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  • Will I be charged any interest on EMI payment?
     Sr. No.  Bank  3 Months  6 Months  9 Months  12 Months  18 Months  24 Months
     1  ICICI Bank 13% 13% 13% 13%    
     2  Axis Bank 12% 12% 13% 13%    
     3  Kotak Mahindra Bank 12% 12% 14% 14% 15% 15%
     4  Induslnd Bank 14% 14% 14% 14%    
     5  HSBC 12.50% 12.50% 13.50% 13.50% 13.50%  
     6  Central Bank of India 13% 13% 14% 14%    
     7  Standard Chartered Bank 13% 13% 14% 14% 15% 14%
     8  Corporation Bank   16% 18% 18%    
    9  Ratnakar bank Limited 13% 13% 13% 13% 13% 13%
     10  HDFC Bank 13% 13% 14% 14%    
     11  State Bank of India 14% 14% 14% 14% 14% 14%

     

    Please note that the full amount will be charged on your card the day of the transaction.

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  • What happens if I cancel my order in the middle of my tenure?

    If you cancel or return an order purchased using EMI, we will initiate the refund as per our Return policy. You will then need to contact your bank to confirm how the EMI scheme on your credit card has been modified, or for any queries on foreclosure.

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  • How is EMI charged for an order?
    1. As soon as you complete your order, you will see the full amount charged on your credit card.
    2. After 3-7 days, your bank will convert this into an EMI.
    3. Post conversion the 1st installment will be retained by the bank and remaining amount will be released to the customer’s credit limit. For example, if you have made a 3-month EMI purchase of Rs. 25,000 and your credit limit is Rs. 1,00,000 then your bank will block your credit limit by Rs. 25,000 and thus your available credit limit after the purchase will only be Rs. 75,000. As and when you pay your EMI every month, your credit limit will be released accordingly.
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  • What should I do if my payment attempt fails?

    If your payment has failed, please try again after checking whether your account details, billing address, Debit or Credit Card details, NetBanking details, Wallet details, or any other payment-related information is accurate.

    Check that your internet connection is working.

    If any amount has been debited during the failed transaction, it will be credited back to your bank account, Credit Card or Wallet within seven business days.

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  • Are there any hidden charges?

    No, there are absolutely no hidden charges. Octroi or sales tax is borne by Home Centre. You pay only the amount that you see in your order summary.

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  • Will I have to pay anything extra if I choose Cash on Delivery?

    Yes, you have to pay additional charge of Rs.30 for Cash on Delivery over and above the shipping charge.

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  • How do I pay if the Cash on Delivery option is not available for my address?

    If our courier partner cannot offer Cash on Delivery for your address, try NetBanking or pay with your Debit or Credit Card. If you do not have these facilities, do get in touch with your bank to activate them easily.

    You can also choose to pay using one of the digital wallets we offer, such as Paytm, MobiKwik or JioMoney.

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  • Why isn't Cash on Delivery a payment option to me?

    Our courier partners are unable to offer the Cash on Delivery service at a few locations. If you live in one of these locations, you can still choose to pay via NetBanking, Wallets or by Debit or Credit Card.

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  • Is there a price limit on Cash on Delivery purchases?

    Yes, the Cash on Delivery limit depends on your delivery address and your Pincode. Get in touch with our customer support team at 1800-212-7500 to know the exact COD limit for your Pincode.

    You can also opt to pay by Debit Card, Credit Card, NetBanking or Wallets.

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  • Can I club my wallet payment with other payment methods?

    Yes, if you have a HomeCentre.com Credit Note, you can combine it with your wallet while making a payment.

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  • How do I add a wallet on my phone?

    Download the wallet app on your Android phone or iPhone and install it.

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  • How do I load money into my wallet?

    To do that, the wallet app needs to be downloaded to your mobile device.

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  • How do I pay using Wallets?

    Here's how you can pay using Wallets:

    1. Add the products you want to your basket and checkout.
    2. At the Payment page, you will see 5 payment options, including Debit Card, Credit Card, Cash on Delivery, NetBanking and Wallets. Click on Wallets.
    3. Select the wallet you want - Paytm, MobiKwik or JioMoney.
    4. Once you're redirected to the wallet portal, sign in to your wallet account. You'll be able to pay with the money available in your wallet.

    That's it!

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  • What is a wallet?

    A wallet is a convenient digital payment method that allows you to pay for your purchases digitally and securely, instead of worrying about paying by cash.

    You can pay easily for your purchases on HomeCentre.com using popular digital wallets such as Paytm, MobiKwik or JioMoney.

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  • Can you transfer the amount in My Credit balance to my bank account?

    No, we're sorry, we will not be able to transfer the amount to your bank account, or give you the same amount in cash.

    Your My Credit balance can only be used to shop one of our brands online.

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  • Is it safe to shop online with my Debit or Credit Card?

    Yes. We use best-in-class 256-bit SSL encryption to secure and protect your shopping experience.

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  • What payment methods do you accept?

    We accept a variety of payment methods:

    1. Visa or MasterCard Debit and Credit Cards.

    2. RuPay Debit Cards.

    3. NetBanking.

    4. Cash on Delivery.

    5. Wallets such as Paytm, MobiKwik and JioMoney.

    6. PayPal.

    Please note, Cash on Delivery is not available at all locations, so do check your Pincode to confirm that it is available for you.

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