Credit Card EMI if total amount is greater than Monthly credit limit.

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I have a HDFC credit card with 20000rs monthly limit. Can I buy an item worth 30000rs with no cost emi for 9 months given by merchant? The Monthly installment would be 3.5k approx. 
Need immediate help. Thanks in advance.

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Nope.
possible in other banks like icici and sbi by paying the difference amount. But hdfc doesnt allow this.

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What is monthly limit? Is this the overall credit limit?

If yes, don’t think you can buy on emi higher then that even though monthly emi is less

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You should have total credit limit equal to or greater than price of product…only then you can purchase the product …

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