> ## 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.

# OneCard Credit Card EMI

> Offer OneCard Credit Card EMI option to your customers on 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>

Offer Credit Card EMIs by OneCard to your customers. The credit card is offered in collaboration with banks, such as IDFC First Bank, SBM Bank, South Indian Bank, Federal Bank, and Bank of Baroda Financial. OneCard is a new-age credit card built for the mobile generation with customer experience at its core.

## Payment Flow

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. Select **OneCard** from the list and the EMI tenure. Click **Continue**.
   <img src="https://razorpay.com/docs/build/browser/assets/images/emi-select-onecard.jpg" alt="EMI tenure and click Select Plan" width="300" />
5. Enter the OneCard Credit Card details and choose if they want to **Save this card as per RBI guidelines** or pay without saving the card.
6. Click **Continue**.
7. Razorpay Checkout redirects to OneCard for approval. You can either swipe right on your OneCard app to approve payment or click **Approve using OTP** and enter the OTP sent to your mobile number.

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

<Info>
  **Handy Tips**

  Check the standard [credit card interest rates charged by OneCard.](/docs/payments/payment-methods/emi/faqs#2-what-are-the-interest-rates-charged-by)
</Info>