Kotak Bank Smart EMI – Interest Rates, Zero EMI, No Cost EMI Schemes
Kotak Smart EMI helps you buying on instalments with No Cost EMI* offers on the wide range of appliances, electronics, furniture and much more.
Kotak Smart EMI provides you with easy No Cost EMI* schemes to make your purchases simpler, by facilitating your payment in parts.
Kotak Smart EMI Benefits & Features
- Loans upto Rs. 15 Lakh
- Flexible repayment options upto 24 months
- Instant loan approvals
- Minimal documentations
- Minimum Processing Fees (Rs.99 to Rs.2,999)
- Minimum Down Payment
- Pre Approved Offers
Instant in-store EMI
Debit Card EMI
You can walk into the nearest electronics or furniture store, make the purchase and avail No Cost EMI* using your Kotak Debit Card.
SMS DCEMI<space><Last 4 digits of Kotak Debit Card Number> to 5676788 to know your pre-approved limit.
- The minimum cart value to avail Debit Card EMI is ₹ 5000 and customers have the flexibility to repay the loan over a tenure of 3, 6, 9 or 12 months.
Kotak Smart EMI Card
Presenting you a unique, feature-rich Kotak Smart EMI Card with a pre-approved limit, exclusively for you. All the purchases made using this Card, will get converted into EMIs, which makes shopping a convenient and worry-free experience.
The Kotak Smart EMI Card is designed to avail the pre-approved limit assigned to you. You can swipe this exclusive Card at 40,000+ partner stores across 25+ cities and on all leading shopping websites and repay the loan with flexible tenures.
How do I get the NOC letter of my loan completion?
The NOC letter will be sent to you registered Email ID within 7 working days after the completion of the loan. If in case you have not received the NOC, please write to us at cdservice@kotak.com or call us on 1860 266 7777 (Local call rates apply) between 10:00 am to 7:00 pm from Monday to Saturday, excluding holidays.
What is CIBIL score, and why is it required?
Your CIBIL score is your credit score. It reflects how well or how poorly you have dealt with loans or credit cards in the past. It is also known as ‘CIBIL TransUnion Score’. The higher your CIBIL score, the better your chances of getting a loan approved from the bank. A higher CIBIL score increases your chances of a loan approval from the lender or a bank.
