> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# About Credit Card EMI

> Let your customers avail Credit Card EMIs at Razorpay Standard Checkout.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

Razorpay Checkout supports EMIs on credit cards issued by major banks. EMI is available by default on Razorpay Standard Checkout. No additional integration is needed.

<Warning>
  **Watch Out!**

  Instant Refunds are not supported on EMI, Cardless EMI and Pay Later.
</Warning>

## Supported Payment Partners

Following is the list of supported Payment Partners for Credit Card EMI and the minimum order amount stipulated by them:

<Tabs>
  <Tab title="Banks">
    | Bank Code | Issuer Bank         | Availability                                                                 | Minimum Amount (in INR) |
    | --------- | ------------------- | ---------------------------------------------------------------------------- | ----------------------- |
    | AMEX      | American Express    | [Request Activation](https://dashboard.razorpay.com/app/payment-methods/emi) | 5000                    |
    | BARB      | Bank of Baroda      | Enabled on first card transaction                                            | 2500                    |
    | CITI      | Citibank            | Enabled on first card transaction                                            | 2500                    |
    | FDRL      | Federal Bank        | Enabled on first card transaction                                            | 2500                    |
    | HDFC      | HDFC Bank           | [Request Activation](https://dashboard.razorpay.com/app/payment-methods/emi) | 1000                    |
    | HSBC      | HSBC Bank           | Enabled on first card transaction                                            | 2000                    |
    | ICIC      | ICICI Bank          | Enabled on first card transaction                                            | 1500                    |
    | IDFB      | IDFC Bank           | Enabled on first card transaction                                            | 2500                    |
    | INDB      | IndusInd Bank       | Enabled on first card transaction                                            | 2000                    |
    | KKBK      | Kotak Mahindra Bank | Enabled on first card transaction                                            | 2500                    |
    | RATN      | RBL Bank            | Enabled on first card transaction                                            | 1500                    |
    | SBIN      | State Bank of India | [Request Activation](https://dashboard.razorpay.com/app/payment-methods/emi) | 2500                    |
    | SCBL      | Standard Chartered  | Enabled on first card transaction                                            | 2500                    |
    | UTIB      | Axis Bank           | Enabled on first card transaction                                            | 3000                    |
    | YESB      | Yes Bank            | Enabled on first card transaction                                            | 1500                    |
  </Tab>

  <Tab title="Other Cards">
    | Code    | Card Network Name | Availability                      | Minimum Amount (in INR) |
    | ------- | ----------------- | --------------------------------- | ----------------------- |
    | Onecard | OneCard           | Enabled on first card transaction | 2500                    |
  </Tab>
</Tabs>

<CardGroup cols={2}>
  <Card title="Quick Notes">
    For HDFC Bank and State Bank of India (SBI), please raise a request [here](https://dashboard.razorpay.com/app/payment-methods/emi) to enable them (not enabled by default).
  </Card>

  <Card title="Interest Rates">
    Check the standard [credit card interest rates charged by major banks](/docs/payments/payment-gateway/emi²/faqs#1-what-are-the-standard-credit-card-interest).
  </Card>
</CardGroup>

### Fetch EMI Plans

Use the below endpoint to fetch a list of EMI plans offered by banks:

`GET /methods`

<Info>
  **\[YOUR\_KEY\_ID] Required**

  To fire this API, you must provide your \[KEY\_ID] for authorization. Your \[KEY\_SECRET] is not required and should not be passed. Know how to generate the [API Keys](/docs/api/authentication#generate-api-keys).
</Info>

<CodeGroup>
  ```bash Request theme={null}
  curl -u [YOUR_KEY_ID] \
  -X GET https://api.razorpay.com/v1/methods
  ```

  ```json Response theme={null}
  {
    "entity": "methods",
    ...
    ...
    "emi_plans": {
      "SCBL": {
        "min_amount": 250000,
        "plans": {
          "6": 13,
          "9": 14,
          "12": 14,
          "3": 11.880000000000001
        }
      },
      "BARB": {
        "min_amount": 250000,
        "plans": {
          "3": 13,
          "18": 15,
          "6": 14,
          "9": 14,
          "12": 15,
          "24": 16
        }
      },
      "AMEX": {
        "min_amount": 500000,
        "plans": {
          "3": 14,
          "6": 14,
          "9": 14,
          "12": 14,
          "18": 15,
          "24": 15
        }
      },
      "onecard": {
        "min_amount": 250000,
        "plans": {
          "3": 16,
          "6": 16,
          "9": 16,
          "12": 16,
          "18": 16,
          "24": 16
        }
      },
      "INDB": {
        "min_amount": 200000,
        "plans": {
          "18": 15,
          "24": 15,
          "3": 14,
          "6": 14,
          "9": 15,
          "12": 15
        }
      },
      "HDFC": {
        "min_amount": 100000,
        "plans": {
          "3": 16,
          "18": 16,
          "24": 16,
          "6": 16,
          "9": 16,
          "12": 16
        }
      },
      "KKBK": {
        "min_amount": 250000,
        "plans": {
          "18": 16,
          "24": 16,
          "3": 16,
          "6": 16,
          "9": 16,
          "12": 16
        }
      },
      "RATN": {
        "min_amount": 150000,
        "plans": {
          "3": 13,
          "6": 14,
          "9": 15,
          "12": 15,
          "18": 15,
          "24": 15
        }
      },
      "ICIC": {
        "min_amount": 150000,
        "plans": {
          "3": 15.99,
          "6": 15.99,
          "9": 15.99,
          "12": 15.99,
          "18": 15.99,
          "24": 15.99
        }
      },
      "YESB": {
        "min_amount": 150000,
        "plans": {
          "3": 16,
          "6": 16,
          "9": 16,
          "12": 16,
          "18": 16,
          "24": 16
        }
      },
      "CITI": {
        "min_amount": 250000,
        "plans": {
          "3": 14,
          "6": 14,
          "9": 16,
          "18": 16,
          "24": 16,
          "12": 16
        }
      },
      "UTIB": {
        "min_amount": 300000,
        "plans": {
          "18": 16,
          "24": 16,
          "3": 16,
          "6": 16,
          "9": 16,
          "12": 16
        }
      },
      "IDFB": {
        "min_amount": 2500,
        "plans": {
          "3": 14,
          "6": 15,
          "9": 15,
          "12": 15,
          "18": 15,
          "24": 15
        }
      },
      "FDRL": {
        "min_amount": 250000,
        "plans": {
          "3": 15.99,
          "6": 15.99,
          "9": 15.99,
          "12": 15.99,
          "18": 15.99,
          "24": 15.99
        }
      },
      "HSBC": {
        "min_amount": 200000,
        "plans": {
          "3": 15,
          "6": 15,
          "9": 15,
          "12": 15,
          "18": 15,
          "24": 15
        }
      },
      "HDFC_DC": {
        "min_amount": 300000,
        "plans": {
          "6": 16,
          "9": 16,
          "12": 16,
          "18": 16,
          "3": 16
        }
      },
      "INDB_DC": {
        "min_amount": 500000,
        "plans": {
          "3": 17,
          "6": 17,
          "9": 17,
          "12": 17,
          "18": 17,
          "24": 17
        }
      }
    },
    "emi_options": {
      "SCBL": [
        {
          "duration": 6,
          "interest": 13,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "3.68"
        },
        {
          "duration": 9,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "5.59"
        },
        {
          "duration": 12,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "7.19"
        },
        {
          "duration": 3,
          "interest": 11.880000000000001,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "1.95"
        }
      ],
      "BARB": [
        {
          "duration": 3,
          "interest": 13,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "2.13"
        },
        {
          "duration": 18,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "10.95"
        },
        {
          "duration": 6,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "3.96"
        },
        {
          "duration": 9,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "5.59"
        },
        {
          "duration": 12,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "7.67"
        },
        {
          "duration": 24,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "14.90"
        }
      ],
      "AMEX": [
        {
          "duration": 3,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "2.29",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 6,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "3.96",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 9,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "5.59",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 12,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "7.19",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 18,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "10.95",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 24,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "14.07",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        }
      ],
      "onecard": [
        {
          "duration": 3,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "2.61"
        },
        {
          "duration": 6,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "4.51"
        },
        {
          "duration": 9,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "6.35"
        },
        {
          "duration": 12,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "8.15"
        },
        {
          "duration": 18,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "11.62"
        },
        {
          "duration": 24,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "14.90"
        }
      ],
      "INDB": [
        {
          "duration": 18,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "10.95",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 24900
          }
        },
        {
          "duration": 24,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "14.07",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 24900
          }
        },
        {
          "duration": 3,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "2.29",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 24900
          }
        },
        {
          "duration": 6,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "3.96",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 24900
          }
        },
        {
          "duration": 9,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "5.97",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 24900
          }
        },
        {
          "duration": 12,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "7.67",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 24900
          }
        }
      ],
      "HDFC": [
        {
          "duration": 3,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 100000,
          "merchant_payback": "2.61",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 18,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "11.62",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 24,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "14.90",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 6,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 100000,
          "merchant_payback": "4.51",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 9,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 100000,
          "merchant_payback": "6.35",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 12,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 100000,
          "merchant_payback": "8.15",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        }
      ],
      "KKBK": [
        {
          "duration": 18,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "11.62",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 24,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "14.90",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 3,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "2.61",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 6,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "4.51",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 9,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "6.35",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 12,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "8.15",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        }
      ],
      "RATN": [
        {
          "duration": 3,
          "interest": 13,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "2.13",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 6,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "3.96",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 9,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "5.97",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 12,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "7.67",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 18,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "10.95",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 24,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "14.07",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        }
      ],
      "ICIC": [
        {
          "duration": 3,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "2.61",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 6,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "4.50",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 9,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "6.35",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 12,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "8.15",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 18,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "11.61",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 24,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "14.89",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        }
      ],
      "YESB": [
        {
          "duration": 3,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "2.61",
          "processing_fee_plan": {
            "type": "percentage",
            "percentage": 1
          }
        },
        {
          "duration": 6,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "4.51",
          "processing_fee_plan": {
            "type": "percentage",
            "percentage": 1
          }
        },
        {
          "duration": 9,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "6.35",
          "processing_fee_plan": {
            "type": "percentage",
            "percentage": 1
          }
        },
        {
          "duration": 12,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "8.15",
          "processing_fee_plan": {
            "type": "percentage",
            "percentage": 1
          }
        },
        {
          "duration": 18,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "11.62",
          "processing_fee_plan": {
            "type": "percentage",
            "percentage": 1
          }
        },
        {
          "duration": 24,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 150000,
          "merchant_payback": "14.90",
          "processing_fee_plan": {
            "type": "percentage",
            "percentage": 1
          }
        }
      ],
      "CITI": [
        {
          "duration": 3,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "2.29",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 6,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "3.96",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 9,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "6.35",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 18,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "11.62",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 24,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "14.90",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 12,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "8.15",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        }
      ],
      "UTIB": [
        {
          "duration": 18,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "11.62",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 24,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "14.90",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 3,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "2.61",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 6,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "4.51",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 9,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "6.35",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        },
        {
          "duration": 12,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "8.15",
          "processing_fee_plan": {
            "type": "combination",
            "percentage": 1,
            "amount": 10000
          }
        }
      ],
      "IDFB": [
        {
          "duration": 3,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 2500,
          "merchant_payback": "2.29"
        },
        {
          "duration": 6,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 2500,
          "merchant_payback": "4.23"
        },
        {
          "duration": 9,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 2500,
          "merchant_payback": "5.97"
        },
        {
          "duration": 12,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 2500,
          "merchant_payback": "7.67"
        },
        {
          "duration": 18,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 2500,
          "merchant_payback": "10.95"
        },
        {
          "duration": 24,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 2500,
          "merchant_payback": "14.07"
        }
      ],
      "FDRL": [
        {
          "duration": 3,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "2.61"
        },
        {
          "duration": 6,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "4.50"
        },
        {
          "duration": 9,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "6.35"
        },
        {
          "duration": 12,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "8.15"
        },
        {
          "duration": 18,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "11.61"
        },
        {
          "duration": 24,
          "interest": 15.99,
          "subvention": "customer",
          "min_amount": 250000,
          "merchant_payback": "14.89"
        }
      ],
      "HSBC": [
        {
          "duration": 3,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "2.45",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 9900
          }
        },
        {
          "duration": 6,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "4.23",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 9900
          }
        },
        {
          "duration": 9,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "5.97",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 9900
          }
        },
        {
          "duration": 12,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "7.67",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 9900
          }
        },
        {
          "duration": 18,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "10.95",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 9900
          }
        },
        {
          "duration": 24,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 200000,
          "merchant_payback": "14.07",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 9900
          }
        }
      ],
      "HDFC_DC": [
        {
          "duration": 6,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "4.51",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 9,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "6.35",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 12,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "8.15",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 18,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "11.62",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 3,
          "interest": 16,
          "subvention": "customer",
          "min_amount": 300000,
          "merchant_payback": "2.61",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        }
      ],
      "INDB_DC": [
        {
          "duration": 3,
          "interest": 17,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "2.77",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 6,
          "interest": 17,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "4.78",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 9,
          "interest": 17,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "6.73",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 12,
          "interest": 17,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "8.63",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 18,
          "interest": 17,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "12.28",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        },
        {
          "duration": 24,
          "interest": 17,
          "subvention": "customer",
          "min_amount": 500000,
          "merchant_payback": "15.73",
          "processing_fee_plan": {
            "type": "fixed",
            "amount": 19900
          }
        }
      ]
    },
    ...
  }
  ```
</CodeGroup>

## Payment Flow on Standard Checkout

Customers select the products on your website or app and proceed to Checkout. On the Checkout page, the customers:

1. Enter the **Phone Number** and click **Continue**.
2. Select **EMI** as the payment method.

<img src="https://razorpay.com/docs/build/browser/assets/images/emi-options-card.jpg" alt="Select emi payment option on checkout" width="300" />

3. Select **Credit Card**.

<img src="https://razorpay.com/docs/build/browser/assets/images/emi-credit-card.jpg" alt="Select credit card payment option on checkout" width="300" />

4. Choose a bank from the list and select the EMI tenure. Click **Continue**.

<img src="https://razorpay.com/docs/build/browser/assets/images/emi-credit-tenure1.jpg" alt="EMI tenure and click Select Plan" width="300" />

5. Enter the relevant details. The eligibility depends on the customer's card's BIN (first 6 digits). If the card is not eligible, the customers can pay the full amount.
6. Choose if they want to **Save this card as per RBI guidelines** or pay without saving the card.

After the successful payment, Razorpay redirects customers to your application or website. Customers' monthly statements will reflect the EMI amount with interest charged by the bank.

When the customers complete the payment on the Checkout, the entire transaction amount is authorized by the customer's issuing bank and converted into EMIs within 3-4 days, depending on the payment terms agreed with the credit card provider.

## FAQs

[Credit Card EMI FAQs](/docs/payments/payment-methods/emi/faqs#credit-card-emi).