SETTLING FOR LESS?
Live a no compromise life, with Kotak Smart EMI
Get Everything on EMI with easy instalments of
3 | 6 | 9 | 12 months

Get Kotak League Platinum Credit Card & earn 8X reward Points on your every spends of Rs.150 across all categories.
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Live a no compromise life, with Kotak Smart EMI
Get Everything on EMI with easy instalments of
3 | 6 | 9 | 12 months
Welcome to the privileged world of Kotak Smart EMI and discover the various ways of 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. Take a glimpse of the features, benefits and the various modes of availing No Cost EMI* that makes it hard to miss.
Loans up to ₹ 15 lakhs#
Choose your own repayment tenures
Instant loan approvals
Minimal documentation
Minimal processing fees
Minimal down payment
Pre-approved offers
Clear and transparent policy
The finance options are available on a wide range of electronics, furniture, online education, and insurance, and health & wellness across leading merchant outlets like Reliance Digital, Croma, Kohinoor, Vijay Sales, Sathya, Vasanth & Co, Great Eastern, BYJU’S etc
Click here to locate the nearest partner store
Not only that, you can also fulfil your shopping wish list by availing No Cost EMI* on Amazon.in, Flipkart, BYJU’S and others using your Kotak Debit Card. You can also avail our Card-less EMI using Kotak InstaCred EMI know more.
Benefits
1) No documentation
2) No need for security deposit or down payment
3) One click transaction and conversion to EMI with flexible tenures of 3 months, 6 months, 12 months etc
4) Association with prominent brands like LG, Samsung, Sony, Panasonic, Haier, etc covering almost 90% of the high value electronic gadgets
5) Easy re-payments from linked Savings / Current Account
Benefits
1) Hassle free pre-approved limit in your wallet
2) Choose from a wide range of EMI tenures
3) Safe and secure OTP/ PIN based transactions
*Terms and conditions apply. Interest cost on the facility provided is borne by the respective merchants / OEMs (Original Equipment Manufacturers). The No Cost EMI scheme is applicable only in those cases wherein Kotak Smart EMi business has a tie-up with the respective merchants / OEMs.
^Providing Aadhaar Card is voluntary.
#Subject to credit policy and approval.
For this, you can visit the nearest store where Kotak Smart EMI has a tie up. Click here to find the store near you.
Currently there is no option available to change the EMI due date. Payment due dates are as per the schedule shared in the loan sanction letter.
You can view your EMI status through Kotak Mahindra Bank’s Net-banking. Please follow these steps:
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
At your request, you are being re-directed to a third party site - https://www.billdesk.com/pgmerc/kotakcard/ wherein you can make your payment from a different bank account. Kotak Cards does not guarantee or warrant the accuracy or completeness of the information, materials, services or the reliability of any service, advice, opinion statement or other information displayed or distributed on the third party site. You shall access this site solely for purposes of payment of your bills and you understand and acknowledge that availing of any services offered on the site or any reliance on any opinion, advice, statement, memorandum, or information available on the site shall be at your sole risk. Kotak Cards and its affiliates, subsidiaries, employees, officers, directors and agents, expressly disclaim any liability for any deficiency in the services offered by BilIDesk whose site you are about to access. Neither Kotak Cards nor any of its affiliates nor their directors, officers and employees will be liable to or have any responsibility of any kind for any loss that you incur in the event of any deficiency in the services of BiIIDesk to whom the site belongs, failure or disruption of the site of BilIDesk, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials.
Note: Available in select banks only. Kotak Cards reserves the right to add/delete banks without prior notice. © Kotak Mahindra Bank. All rights reserved
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.