A Complete EMI Shopping Guide to Help You Get Started 

Have you ever found yourself admiring the latest smartphone models and wished you could upgrade from your old, outdated phone to something more modern? 

We’ve all been there: surfing for hours, checking out new features, and watching unboxing videos just to discover the price is too expensive. It’s not just phones; it applies to a wide range of products and services. We want to buy items that seem out of reach, from laptops and cameras to international trips, furniture, and even clothes. We’ve got some wonderful news for you: they are now within your reach!  

For your convenience, many brands have included a range of payment alternatives these days. Among them, EMI shopping has taken India’s e-commerce market by storm, with a large number of people making the most out of it.  

Nearly one out of every two Indians, according to statistics, is willing to take a loan to upgrade their lifestyle.” 

Shopping on EMI is now available on a variety of EMI products, including consumer durables and high-value items such as mobile phones, laptops, vehicles, televisions, and more. This comprehensive guide to EMI shopping will teach you everything you need to know! 

Why Is EMI Shopping the New Normal? 

When you shop on EMI, you sign up to pay the price of a product over a period of a fixed few months in equal installments. Purchasing expensive goods and services over easy EMIs are convenient because, with the soaring prices of many products, not everyone can afford to pay out of pocket at one go.  

Nowadays there are many products that you can shop on EMI for. Some of the most popular ones are as follows: 

  • Mobiles 
  • Laptops 
  • TV 
  • Fridge  
  • AC 
  • Washing Machine 
  • Apparel & Fashion 
  • Travel & Lifestyle 

Even if you don’t have a credit card or you are new to taking credit, Home Credit India offers an Ujjwal EMI Card to shop on EMI with a pre-approved limit of up to ₹75,000. 

What Are the Benefits of Shopping On EMI? 

If you are planning to choose Home Credit Ujjwal EMI Card to fund your next purchase, here are just a few of the many benefits you can expect. 

All Your Needs Become Affordable 

Birthdays, festivals, and special occasions such as anniversaries are all good reasons to celebrate, but they can also be costly. You might wish to buy a new phone for your father’s birthday as a mark of your gratitude, but you may not have the funds to do so. 

All of these expenses are within reach with a Home Credit Ujjwal EMI Card! You can quickly complete your purchase because you don’t need a CIBIL score or a credit card to get started. So, whether you want to upgrade your phone, go on a vacation, or buy new home appliances, you can use the Home Credit Ujjwal EMI Card to pay for everything in easy EMIs. 

You Get a Chance to Shop Big    

A pre-approved credit limit of ₹75,000 means that you can go big on EMI shopping. This way, you won’t have to rely on your bank savings continuously or face any financial burden! 

Choose Your Credit Limit Yourself 

Have you been running short of funds? With Home Credit Ujjwal EMI card, you can choose your credit limit to your convenience and shop on EMI without a credit card. 

ZERO Processing & 0 Joining Fees* 

Home Credit Ujjwal EMI card offers you a chance to shop on EMI and enjoy easy repayments with 0 processing fee, 0% interest** & 0 joining fees*. So now you don’t have to worry about the list of expenses incurred in taking credit. This makes your purchase even more affordable! 

Seamless One-Time Documentation Process 

We know how frustrating it can be to go through the heavy and tiresome documentation processes whenever we think about taking credit. But to avail yourself of a Home Credit Ujjwal EMI card, you just need to submit just 2 documents only ONCE at the time of application.   

  • PAN Card  
  • Address Proof   

Flexible repayment periods 

Many people shop on EMI since breaking down the payment into easy installments is lighter on the pocket, whereas paying full price is likely to burn a hole in your wallet. It also helps that with Home Credit Ujjwal EMI Card you can shop both online and offline. They also offer convenient repayment tenures, giving you even more flexibility. 

How Can You Shop on Easy EMI? 

Shopping on EMI is much simpler than you might think. However, for first-time users, EMI shopping can be a little intimidating. To make this process simpler for you to understand, we have laid out a step-by-step guide. This will help you know what to expect and what documents you will require to apply for a Home Credit Ujjwal EMI Card. You can apply for our Ujjwal EMI card using the SuperCupo app by following the steps below:  

  • Download the SuperCupo app & Register with your mobile number. 
  • Provide the required documents and complete your KYC verification.  
  • Choose your credit limit and get ready to start shopping with your Ujjwal EMI card!  

With the Home Credit Ujjwal EMI Card, you can convert the cost of any purchase into easy EMIs and enjoy online & offline shopping with 0 processing fee, 0% interest** & 0 joining fees*. To enjoy this hassle-free EMI shopping experience, all you have to do is download the SuperCupo app and apply for the Home Credit Ujjwal EMI card.  

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