https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9644911
tested? any proof?
SBI CARD NO COST EMI INTEREST BENEFIT - Complete Details Here
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You can avail no cost emi interest discount on SBI card on any of the merchant whether its online or offline transaction.
For Example:
Total Outstanding on Card before the purchase= Rs 10000 (non emi balance)
No Cost Emi Transaction amount: Rs 50000 deducting Rs 5000 (no cost emi interest discount)= Rs 45000
Ignore the previous emi principal which are already running. (this doesn't need to be paid)
Make the complete payment of Rs 10000+ Rs 45000= Rs 55000 instantly after doing no cost emi txn (means billed+unbilled+nocost emi txn amount) and do not use the card for next 7 days maximum. In that time frame your merchant emi request gets declined by bank as there is no outstanding on card.
But if still you want to use the card, make the payment instantly for subsequent purchases.
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Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9644913
HERE IS THE PROOF. CHECK THE SMS. I ALREADY TRIED SEVERAL TIMES.
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9644918
What are options if the transaction is already converted in EMI?
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9644926
call cc
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9644972
This trick works like Charm, I have used it when i came to know about it from @tejsngh339296
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645002
will try this later.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645055
you dont get rps if you get instant disc
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645129
Also, if complete refund received post 45 days, write a mail to [email protected] for cancellation of emi. You emi will be cancelled on exception basis.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645360
Another Merchant EMI Transaction Decline Proof.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645453
SBI is the biggest cheater so be careful, Last year we had a very big lesson during the sale for cashback card.
So they try to recover by debiting the account for the same.
So be careful regarding the sbi.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9646967
True! Be careful guys! SBI is known for their Double-Wasooli culture! And they may declare this as an illegal act, RBI have given them freehand. They are fine with they making zero profit, but they won't let others make a penny!
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645824
Very nice information brother. But I'm not keen on trying this. SBI may cover the fees after your burial 🤢
Thanks for sharing
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9648254
What if the body is not buried, and rather cremated? Tab to cover nahi karega na? 🙀🙀
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645898
Thank you
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9645973
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9646113
where were you for last 10 days 
+ kg
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9646201
here only, commented on several different posts since sale start.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9646535
I purchased redmi 12 5g phone from Amazon at no cost EMI total I have to pay 12499(2083×6months) but this month bill generated and they have charged me 11969₹ for that smartphone even now on amazon my order it's showing no cost EMI 6 months. I have no issue as I have got discount of 500₹
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9646597
it is because your txn got converted to merchant emi post statement generation....you can make the complete bill payment and write a mail to [email protected] for emi cancellation....
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9646612
.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9648265
@tejsngh339296 What about the processing fee and GST, do they reverse them too?
(Asking this because I never opted for NC/EMI. So, no idea whether the charges are upfront or after EMI conversion approved.)
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9648305
Bro, when emi is not getting converted, so nothing will be charged. Don't worry, just go with no cost emi option and pay instantly in 1 shot.
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9648709
I tired mailing them after the transaction got converted into EMI as per this suggestion. I got a reply saying that there is no refund received and I can place a foreclosure request.
I mailed again saying that I have already paid the amount and requested for a cancellation. Let's see how it goes.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9649507
Not able to pay sbi bill via cred as its getting in pending state.
And sbi card not allowing me to pay more than outstanding amount.
Any other app where i will pay my sbi card bill instantly.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9649602
Recently from last 2 months, there is a change in sbi credit card payment process, you cannot pay more than the o/s amount on your credit card from sbi card website and cred or may be third party apps, your payment will get rejected by sbi card.
However, there are 2 apps-sbi yono lite(its of sbi bank) and sbi yono. Link your credit card in yono sbi app and make the payment from there....instantly it will be credited. Or you can register sbi card in NEFT option of your savings bank account and make the payment thru neft. Your payment will get credit in upto 3-4 hours if payment made before 4pm.
However, there are 2 apps-sbi yono lite(its of sbi bank) and sbi yono. Link your credit card in yono sbi app and make the payment from there....instantly it will be credited. Or you can register sbi card in NEFT option of your savings bank account and make the payment thru neft. Your payment will get credit in upto 3-4 hours if payment made before 4pm.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9650027
i had purchased a refrigerator on NC Emi. But now cancelled order. Statement got generated. However the reversals have been done. so do i have to pay emi amt as per statement generated??? can any1 guide
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9650037
once refunded amount get posted on your card...call helpline or write a mail to place merchant emi cancellation request.
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9650133
Thanks for sharing.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9654651
can we make the payment next day of the transaction date?
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9655636
it depends on the transaction settlement...so better not to take risk....make payment instantly.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9661536
If payment is not made instantly and later requested cc to cancel emi before statement is generated, are there any charges - processing/ cancellation/foreclosure/ interest amount?
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9662209
it will not be cancelled once generated and proc fee will charged when txn got converted and foreclosed fee with 3%+gst charges and accrued interest from txn converted date till foreclosure date...accrued interest will get levied.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9678626
Guys, hope you all availing this and enjoying this....so how many of you got benefitted and saved extra money?
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9686748
If I buy something worth Rs. 12000 (1000 nc-emi discount) which makes it 11000 Rs.
Considering I have no dues right now on my card, if I make a payment of 12-13000 Rs. (1-2k extra than 11000 Rs.) immediately after transaction, will this trick work fine? Will I be charged nothing and claim of 1000 Rs. NC-EMI will be successful?
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9680859
Used this technique... On idfc credit card..... transaction done on 4th on motorola india website .... Paid on 5th nov.... Payment credited to card instantly.... Lets see if it works or not on idfc.....
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9681078
do let us know, if this works...
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9686235
How much this transaction would cost me finally ?
19292 or 18139 ?? @tejsngh339296
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9686267
it will cost you 18139.
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9710236
i did that same. ordered and paid all dues and have negative balance.. I did on 16th Nov. No text came and nothing was converted or charged. Shall I do something now?
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9710279
Wait 3 or 4 more days, you'll receive a text message about Merchant EMI cancelled.
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https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9710516
can one help to get rewards on upi.. how to convert to rupay card or to get ltf rupay credit card
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9718023
@ tejangh339296 can you tell how can i request for sbi cashback card limit increase
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9718266
if limit not increased in past 6 months , then you can request for limit increase basis income documents...write a mail to [email protected]
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9721104
Good find
Will try only in case where i can pay charges in future and still in benifits 🥲🥲
https://www.desidime.com/discussions/sbi-card-no-cost-emi-interest-benefit-complete-details-here?page=1#post_9847691
anybody tried it recently ? still Working?
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tested? any proof?
This trick works like Charm, I have used it when i came to know about it from @tejsngh339296
SBI is the biggest cheater so be careful, Last year we had a very big lesson during the sale for cashback card.
So they try to recover by debiting the account for the same.
So be careful regarding the sbi.