Sheetal wants to buy a good LED TV from a good brand. Quality is important to her. But the price also matters. So, she decides to look for offers for an LED TV on EMI online.

She looks at many options on various online shopping websites. Around this time, Sheetal finds an offer for an LED TV on EMI without credit card. The idea intrigues her.

She does a little more research and learns about Flipkart’s ‘The Big Billion Days’ and Amazon’s ‘Great Indian Festival’. On this day, shoppers may buy a wide selection of electronics goods at ‘No Cost EMIs’. No processing charges, interest, or other fees will apply.

One way to avail this offer is through the Bajaj Finserv EMI card.

What is an EMI Card?

An EMI card basically gives you access to quick loans. Do not confuse this with a credit card. The two are quite different.

The EMI card has all the convenience of a credit card, though. You swipe a credit card to complete a transaction. You swipe an EMI card in the same way.

But the interest situation is a bit different. The balance due on a credit card keeps attracting interest until you pay it off. Do you make small payments on your card dues? You may end up paying a lot of money towards the interest.

This danger reduces somewhat on an EMI card. Like in any loan, the payments are made in equated monthly instalments or EMIs. So, the amount of interest remains fixed from the time of the transaction.

Using EMIs to Buy Electronics

First of all, you cannot dispute the convenience. If you can pay a little at a time to bring home a flat-screen LED TV, it is a win. You get to stagger the payments over many months.

How long?

That depends on you and on the options given. Generally, the tenures are of three, six, nine, or 12 months.

An EMI plan is very helpful for budget shoppers. For instance, cheaper LED TVs today cost around Rs 20,000. The price increases depending on the size of the TV screen and the brand. Other things push up the price as well. Aspects like contrast, colour, fine details, and sound are important. Simple things like the number of HDMI ports may also matter.

An no-cost EMI plan helps you spread out the financial burden. It is especially useful for people with low disposable incomes. Plus, EMIs are easy to factor in when preparing a monthly budget.

No-cost EMI on Bajaj Finserv Cards

There are many ways to get a good deal on an LED TV. Wait for sales. Haggle with vendors. Look online. And when Flipkart’s ‘The Big Billion Days’, Snapdeal’s ‘Unbox Diwali Sale’, Amazon’s ‘Great Indian Festival’ comes up this week, shoppers can avail of no-cost EMIs on Bajaj Finserv cards.

The offer is open only for select products. But there is a wide selection of vendors and brands. Buyers can choose from among top TV brands like Panasonic, Sony, and Samsung. There are lower-priced options as well. Micromax and InFocus are two popular budget options.

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