Need a clarification on SBI card EMI transaction on Croma
- 4181
- 44
-
- Last Comment
Hi. I bought an Iphone 13 mini on Croma for 65K with 6K cashback offer with SBI Credit card on EMI transaction on 19.02.2022. I selected the EMI option during checkout and I got the sms from SBIcard too stating that they have received a request for Merchant EMI conversion for the purchase of iPhone.
However, the card statement was generated on 20.02.2022, in which the whole amount is showing to be paid instead of EMI of 10K. When I contacted SBI Card over email, they’re saying that no flexipay/EMI plan active on my card.
So my query is, do I have to pay whole amount before due date? And will I get 6K cashback in this situation as EMI is not?
- Sort By
Check the principal amount and the interest mentioned separately below the transaction details in the current statement. The total would be Rs 11,999 + GST. Don’t check the interest amount mentioned IN the list of transactions. It’s not added to the total amount due as it has already been added to the installment amount.
@kartikxxx he has answered your question. 11999 is inclusive of interest. Just gst is extra.
Yes, you will be charged the EMI every month and you will also have to pay GST on EMI amount.
+1 ,i too purchased from croma, and got the message that they have received emi conversation from merchant, i too wonder, if i clear all the dues in one shot, will they process cb?
My statement is yet to be generated, d.o.g – 4th.
Let me know whether it gets updated or not
Thanks. I’ll wait for it
sbi cc query Please Visit https://ddime.i...s9
Thanks 
![Amazon Fresh - Items at Good Discount [Bangalore]](https://cdn3.desidime.com/topics/photos/1791942/medium/IMG20240517190519.jpg?1715953333)
I got 48426 converted into EMI. Rest 20713 I have to pay upfront+ 1st EMI of 8403 which includes 564 rs interest. GST for the interest is to be paid @ 18%. Total interest I will pay is 1996 and 360 rs GST. But I got a benefit of 2860 rs upfront.