EMI Policy

EMI (Equated Monthly Installment) lets you split the price of your purchase into fixed monthly payments using an eligible credit card. Choose your preferred tenure at checkout and your bank converts the transaction into installments.

We offer flexible tenures of 3, 6, 12, 18, 24, 36 months on qualifying products. Selected bank and card combinations enjoy 0% interest for the entire tenure; other plans carry the standard interest rate set by your issuing bank.

EMI is available on credit cards issued by our partner banks. The full list of participating banks and their applicable interest rates is shown on the product page and at checkout once you select EMI.

• A valid credit card from a participating bank
• Sufficient available credit limit to cover the purchase amount
• The product must be marked EMI-eligible

0% EMI means you pay only the product price spread across your chosen tenure, with no additional interest charged by TechVault. Some banks may levy a processing fee — this is set by the bank and shown before you confirm the order.

If an EMI order is cancelled or returned, the refund is processed back to the same credit card. Any interest or processing fee already charged by your bank for completed billing cycles is governed by your bank’s policy and may not be refundable by TechVault.

For questions about EMI eligibility, tenures, or your specific bank, contact our support team or speak with our specialists in store before placing your order.