What is an EMI payment option?
The EMI or Equated Monthly Instalment payment option allows you to pay for your orders in easy monthly installments, provided you have a card from a partner bank. For details, including terms and condition, please click here.
How do I know if my order is eligible for an EMI?
If your order is eligible for an EMI purchase, you will see the EMI option, along with a table of EMI providers and their corresponding rates and tenures offered, on the product page. You can also pay for your total purchase in EMIs if your cart value is Rs 5,000 or more. However minimum purchase criteria can differ from product to product. For details please click here.
How do I know if the EMI payment process was successful?
As soon as you make your purchase on Tata CLiQ, you will see the full amount charged to your card. It will take the bank a few days (the time frame depends from bank to bank) to convert this into an EMI. From your next billing cycle, you will be charged the EMI amount and your credit limit will be reduced by the outstanding amount. For example, if you have made a three-month EMI purchase of RS 25,000 and your credit limit is RS 1,00,000, then your bank will block your credit limit by RS 25,000 and thus your available credit limit after the purchase will only be RS 75,000. As and when you pay your EMI every month, your credit limit will be released accordingly. For any further queries, please contact your bank.
How does the COD payment option work?
While making your purchase, select the Cash on Delivery payment option; you can then pay in cash when our logistics partner delivers your order to you. Please note that this option is only available at select PIN codes.