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When it comes to TV brands, there are several options to consider. Prominent brands like Panasonic, Haier, Xiaomi, TCL, and Sony offer a wide range of choices. These brands are known for their quality, reliability, and innovative features. Whether you prefer Panasonic's cutting-edge technology, Haier's sleek design, Xiaomi's affordability, TCL's impressive displays, or Sony's exceptional picture and sound quality, each brand has its unique strengths. With the assistance of Kotak Credit Card, you can make your TV purchase even more convenient, especially when it comes to buying a smart TV on EMI. Take advantage of the No Cost EMI facility provided by Kotak Credit Card to spread out the cost of your TV over manageable monthly instalments.

Step-by-Step Guide on How to Avail No Cost EMI on TV Brands

  • Step 1: Check eligibility for No Cost EMI on LED TVs. To avail a No Cost EMI on an LED TV, it is essential to meet the eligibility criteria. The eligibility parameters include being an Indian national and falling within the age limits specified for consumer durables or digital products. Additionally, the customer's current residence address should be in the same city as the store from where the LED TV is purchased, in the case of EMI for in-store purchase price.

    Our list of eligible individuals include salaried employees (private or government), self-employed individuals, pensioners, and business owners. Ensure you have the necessary documents, such as identity proof and current residence address proof, to proceed with the TV EMI option.

  • Step 2:Select payment method for purchasing an LED TV on EMI. After checking your eligibility for a tv in EMI with a credit card, the next step is to choose the payment method. When making your purchase, consider the various payment options available to you. While processing fees starting from Rs 99 onwards may be applicable for select products and merchants, there are schemes with no processing fee for consumers. It is important to be aware of penal charges in case of late payments. These charges, amounting to 3% of the outstanding EMI per month on a cumulative basis, will be applicable if the EMI or payment instruction is not paid on time or is returned due to insufficient funds. Additionally, an 'EMI bounce/returned' charge of Rs 500 is applicable. Early repayment or foreclosure is allowed after three EMIs are paid, subject to certain conditions. If you choose to make early repayments, contact Kotak Mahindra Bank and follow the specified process. However, please note that part pre-closure is not allowed. Keep in mind that the credit decision is at the sole discretion of Kotak Mahindra Bank Ltd. and subject to RBI guidelines. Evaluate the applicable fees and charges, including processing fees, cheque/NACH/dishonour charges, and more, before finalising your payment method for an LED TV on EMI.

  • Step 3:Choose No Cost EMI option to make your purchase. Once you have obtained the Kotak Smart EMI Card, the next step is to select the TV EMI option while making your desired purchase. With the Kotak Smart EMI Card, you can convert your purchases into easy and convenient EMIs, allowing you to shop without paying the entire amount upfront. Enjoy the flexibility of choosing from a wide range of EMI tenures that suit your financial preferences. The Kotak Smart EMI Card provides a hassle-free, pre-approved limit, giving you the freedom to shop at over 40,000 partner stores across more than 25 cities. Save on interest payments by opting for No Cost EMI, and rest assured with secure OTP/PIN based transactions for enhanced safety. Additionally, you can benefit from attractive deals exclusively available for cardholders. Take advantage of the convenience and affordability of the TV EMI option with your Kotak Smart EMI Card.

  • Step 4:Check No Cost EMI terms and conditions before proceeding with your purchase. It is important to familiarise yourself with the terms and conditions associated with the No Cost EMI option. One key aspect to note is that the EMI deductions for your purchase will be made from your primary Kotak Account. If you do not have a Kotak Bank Account, the EMI will be deducted from the account specified in the e-NACH/NACH form submitted at the time of purchase. Ensure that you have provided accurate and up-to-date account information to avoid any complications with the EMI deductions. By understanding and adhering to the No Cost EMI terms and conditions, you can make your purchase with confidence and enjoy the convenience of affordable EMIs.

  • Step 5:Confirm your purchase by following these steps. Begin by walking into the store where you wish to purchase the desired LED TV on EMI. Once there, carefully select the product you want to buy. At this stage, inquire about the available Kotak Smart EMI schemes and gather all the necessary information regarding the loan terms and conditions. Prepare the required documents for your loan application, ensuring you have everything in order. Proceed to complete the digital loan application journey, following the instructions provided by above. Once your loan application is approved, make the required down payment as per the scheme's terms. Finally, upon successful completion of the payment, you will receive the delivery of your purchased product. By confirming your purchase through these steps, you can enjoy the benefits of the Kotak Smart EMI scheme and bring your desired TV home at no cost EMI.

Also Read: Buy Laptop at no cost emi with credit card

Advantages and Disadvantages of No Cost EMI on TV Brands


  • Loans up to Rs 15 Lakhs: Kotak TVs no cost EMI offer the benefit of accessing loans up to Rs 15 Lakhs, providing you with the financial flexibility to purchase a variety of TV brands from partner stores.
  • Choose your own repayment tenure: With No Cost EMI, you have the freedom to select a repayment tenure that aligns with your financial capabilities. This allows you to divide the cost of your TV purchase into convenient EMIs over a period ranging from 6 months to 24 months.
  • Instant loan approvals: No Cost EMI offers the advantage of instant loan approvals, making the purchase process quick and hassle-free. Simply provide your basic details to the representative at the partner store, and upon approval, you can take home the TV of your choice.
  • Minimal documentation: Availing No Cost EMI for a TV purchase requires minimal documentation. Typically, a PAN Card and KYC document (such as Aadhaar Card^/ Passport/ driving licence/ Voter ID) are the primary documents needed to process the loan.
  • Minimal processing fees: No Cost EMI schemes usually involve minimal processing fees, which can vary from Rs. 99 to Rs. 2,999 depending on the product. This helps reduce the overall cost of the TV purchase.
  • Minimal down payment: Many No Cost EMI schemes provide options for minimal down payments, including the possibility of nil down payment. This allows you to make the TV purchase without a significant upfront payment.
  • Pre-approved offers: Once you become a customer, you gain access to exclusive pre-approved offers from the lender periodically, provided you meet the credit card norms. These offers can further enhance your purchasing power and provide additional benefits.
  • Clear and transparent policy: No Cost EMI schemes are designed with a commitment to clarity, accuracy, and transparency. The representatives will ensure that you are fully informed about the details of your loan, helping you make an informed decision.

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  • Limited to partner stores: No Cost EMI options may be limited to specific partner stores, which means you may need to choose from the available TV brands and models offered by those stores.
  • Limited to specific repayment periods: While you have the freedom to select your repayment tenure within the available options, these periods may be predetermined and limited to certain durations, ranging from 6 months to 24 months.
  • May require basic details and documentation: Although the documentation required for No Cost EMI is minimal, you still need to provide basic details and documentation, which can involve a certain level of paperwork.
  • Processing fees may apply: While the processing fees for No Cost EMI schemes are usually minimal, it's important to note that there may still be fees involved, which can vary depending on the lender and the specific TV brand or model you choose.
  • Down payment may be required: In some cases, a down payment may be required

No Cost EMI on Top TV Brands

Kotak Mahindra Bank offers no-cost EMI on top TV brands to make it easier for you to get the TV you want. Check the table below to know about the features of TVs offered by the most popular brands and what Kotak Mahindra Bank offers.

TV Brand

Key Features and Innovations

Kotak Mahindra Bank Offer


Renowned for OLED and NanoCell technology, LG TVs offer stunning picture quality and AI-enhanced smart features.

Cashback up to Rs. 20,000


Affordable TVs with sleek designs, Full HD or 4K resolution, and smart TV capabilities.

Cashback up to 26% Maximum cashback of Rs. 12000


Exceptional picture quality, colour accuracy, HDR support, high refresh rates, and smart TV functionality.

20% cashback of up to Rs. 9000


Cutting-edge technology, superior image processing, OLED and LED displays, high resolution, and smart features.

12.5% CAshback Maximum cashback of up to Rs. 22,000


High-resolution displays, vibrant colors, built-in Wi-Fi, HDMI connectivity, and USB ports.

Up to 15% cashback + additional 2.5% in-store Maximum cashback of Rs. 5000


4K UHD displays, HDR support, Dolby Vision technology, access to popular streaming platforms.

Up to 10% cashback MAximum cashback of Rs. 8000


Quality TVs with sleek designs, 4K resolution, HDR compatibility, and smart TV functionality.

Up to Rs. 5000 cashback instant discount


Innovative QLED and Neo QLED TVs with exceptional brightness, colour accuracy, immersive audio, and smart features.

12.5% cashback Maximum cashback of Rs. 22,000


No Cost EMI on TV brands provides a convenient and affordable way to purchase your desired television without burdening your finances. With the flexibility to choose repayment tenures, minimal documentation requirements, and the option for pre-approved offers, you can enjoy the benefits of spreading out your payments over manageable instalments. It's important to be aware of any processing fees and down payment requirements that may apply. By understanding the advantages and considering the terms and conditions, you can make an informed decision and enjoy the convenience of owning a high-quality TV.

Also Read: What is a Charge Card?

Frequently Asked Questions

1. Can anyone avail No Cost EMI on TV Brands?

No Cost EMI schemes on TV brands are typically available to eligible customers. Certain eligibility criteria, such as age, nationality, and income source, may apply. It is advisable to check with the respective lender or store for specific eligibility details.

2. What are the documents required to avail No Cost EMI on TV Brands?

The documents generally required for availing No Cost EMI on TV brands include a PAN Card and KYC document, such as Aadhaar Card^/Passport/Driving License/Voter ID. However, the specific document requirements may vary depending on the lender or store's policies.

3. Are there any hidden charges associated with No Cost EMI on TV Brands?

While the concept of No Cost EMI implies no interest charges, there may be certain charges associated with the scheme. These can include processing fees, down payment requirements, and penalties for late payments or returned EMIs. It is essential to carefully review the terms and conditions to ensure transparency and avoid any misunderstandings.

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.