Credit Card Offers on Electronics

Last Updated : Oct. 5, 2024, 5:21 p.m.

In today's busy world, credit card offers are important for making shopping easier, especially when buying electronics and smartphones. Banks like ICICI, Kotak Mahindra, RBL, YES Bank, and AU Bank offer many great deals, such as instant discounts, cashback, and easy payment plans. These offers help you buy the latest gadgets without straining your budget. Whether you want an iPhone, Samsung phone, or other popular brands, checking out these credit card deals can help you save money.

Best Credit Card Offers By Leading Banks on Mobile Phones

Below, we have mentioned the best credit cards in India offered by top-notch banks that provide amazing cashback and discounts on electronics and mobile phones.

ICICI Bank Credit Card Offers

ICICI Bank provides several special offers for credit card users on brands like Samsung, OnePlus, realme, and Apple. These deals include easy payment plans and discounts on the latest devices. Customers can buy their favorite gadgets with less upfront cost and enjoy perks like cashback and buyback options.

Samsung Offers

Terms and Conditions

• The total transaction amount will be split into two parts: 60% and 40%.
• This offer is only valid when the card is swiped at Plutus/Pinelabs POS/EDC terminals under the brand EMI Alliance Partner Forever scheme.
• An interest rate of 7.5% per year on a reducing balance will apply to the total transaction amount.
• All the interest, calculated at 7.5%, will be charged over the first 18 months of the EMI period.
• A processing fee of 1% will be charged on 60% of the transaction amount (the loan amount) in the first month of the EMI period.

How to Avail the Offer?

To enjoy the benefits, you need to make a purchase/transaction on the website using the best credit card by ICICI Bank . Once the payment is made, the total transaction amount will be divided into two parts: 60% and 40%.

OnePlus Offers

Terms and Conditions

• You must buy the device from an authorized OnePlus reseller or directly from www.oneplus.in .
• This offer is only valid when your card is swiped on a PayTM/Pinelabs POS/EDC terminal using the Brand EMI option.
• You are required to pay the remaining 35% of the transaction amount in full as soon as the EMI period ends.
• The total interest charged will be 10% of the transaction amount, spread over the 24 months of the EMI period.
• Goods and Services Tax (GST) will apply to the processing fee, interest, and any early payment fees.

How to Avail the Offer?

• Visit any participating store or go to www.oneplus.in .
• Purchase your preferred OnePlus device (available on select models).
• Select the payment scheme.
• Pay with your ICICI Bank Credit Card to use the scheme.

Realme Offers

Terms and Conditions

• This offer cannot be used in conjunction with any other promotions.
• By using this offer, you agree to these terms and conditions.
• Only Indian residents and citizens are eligible for this offer.
• ICICI Bank cardholders who are delinquent or have exceeded their credit limits are not eligible for this promotion.
• This offer cannot be exchanged for cash, extended, or transferred.

How to Avail the Offer?

• Visit www.realme.com/in .
• Choose your preferred smartphone or model and either add it to your cart or click "buy now."
• Proceed to checkout and go to the payment page.
• Select "Net Banking" and then choose ICICI Bank as your payment option.
• The discount will automatically apply once you select ICICI Bank.
• Log into your account and complete the payment to finalize the transaction.

Apple Offers

Terms and Conditions

• This offer is available for ICICI Bank Credit Cards and Credit Card EMI transactions.
• For offline purchases using Brand EMI: You can make up to 2 transactions per card for each OEM during the entire offer period.
• For online purchases through Pine PG: You are limited to 1 transaction per card for each OEM throughout the entire offer period.

How to Avail the Offer?

• Visit the Apple Store or online website.
• Choose your preferred iPhone 16 model.
• Make the payment via your ICICI bank credit card.
• Get instant cashback.

Axis Bank Credit Card Offers

Axis Bank is offering instant cashback of up to INR 10,000 on all Apple smartphones until January 15, 2025. Customers can make two purchases every 90 days both online and in-store. To enjoy the discount, simply choose your Apple product, proceed to checkout, and pay with your Axis Bank credit card .

Apple Offers

Terms and Conditions

• The offer is valid for two orders every 90 days for each channel—meaning you can place two orders in-store and two orders online within this period.
• If multiple offers are available at the same time, you cannot combine any of them.

How to Avail the Offer?

• Visit the Apple store or webpage.
• Select eligible products and proceed to checkout.
• Pay using your Axis Bank credit card to avail the offer.

Federal Bank Credit Card Offers

Federal Bank Credit Card offers allow customers to enjoy instant discounts on purchases of INR 15,000 or more at select retailers like Hari Om Retail, Electronic Paradise, and Vijay Sales, valid until November 5, 2024, with Chroma's offer extending to December 31, 2024. The promotion can be utilized once per card per customer and is applicable on specific days when shopping at Croma stores.

Terms and Conditions

• A 10% instant discount is available at offline stores of above-mentioned brands.
• The offer will be valid every Wednesday, Saturday, and Sunday when shopping from Croma offline store.
• When shopping online from Croma, the offer will be applicable on Wednesday, Saturday, and Sunday.
• You can use this offer once per card per customer during the promotion period.
• This offer is intended only for individual retail customers.
• You cannot use this offer with any other promotions.
• Hari Om Retail fully funds the offer on Credit Card EMI.
• This offer cannot be negotiated, transferred, or exchanged for cash.

How to Avail the Offer?

• Visit the offline/online stores of the above-mentioned brands.
• Buy the smartphone or other electronics of your choice.
• Make payment using a Federal Bank credit card.
• Get instant cashback.

Kotak Mahindra Bank Credit Card Offers

Kotak Mahindra Bank offers instant cashback and no-cost EMI options on select Apple products, including various iPhone models, until December 28, 2024. Customers can avail these offers at authorized resellers and select online platforms, making it easy to purchase with attractive financing options.

Apple Offers

Terms and Conditions

• This offer is available at select Apple Authorized Resellers and is open to all Indian residents who have an active Kotak Mahindra Bank credit card.
• You can avail of this offer with both EMI and non-EMI purchases made using a Kotak Bank credit card .
• No Cost EMI is available for 6-month tenure on Kotak Bank Credit Card EMI transactions.
• For tenures longer than 6 months, low cost EMI options are available.
• Please note, this offer is not valid at Apple-owned stores in BKC Mumbai and Saket Delhi, or on the Apple India website ( www.apple.com/in ).

How to Avail the Offer?

• To get the offer, visit Apple Authorized Resellers and buy eligible Apple products.
• Pay in full using your Kotak Credit Card or through EMI at Pinelabs/Paytm terminals, or select online stores with Pinelabs gateways.
• This offer also applies to select Apple products on Amazon and Flipkart, subject to stock availability.

Xiaomi Offers

Terms and Conditions

• The offer is open to all Indian residents who hold a valid Kotak credit card.
• The offer is valid only if 'Cashback/Discount' is mentioned on the Bill Summary. Please keep the Bill Summary for 180 days after the offer ends.
• You can get a maximum cashback of up to Rs. 3,000 on selected products.
• If you fail to make EMI payments, you won't qualify for the cashback.
• This offer is only available on selected online and offline channels.
• Transactions that are overdue or cancelled will not be eligible for this offer.
• The offer cannot be transferred, cashed out, or negotiated.

How to Avail the Offer?

• To take advantage of the offer, the entire purchase amount must be paid using Kotak Credit Card EMI.

Vivo Offers

Terms and Conditions

• This offer applies only if 'Cashback/Discount' is shown on your bill summary. Please keep your bill summary for 180 days after the offer ends.
• You can get a maximum cashback of Rs. 7000 on certain products.
• If you miss EMI payments, you won't receive any cashback.
• This offer is available through select online and offline stores.
• Transactions that are overdue or cancelled are not eligible for this offer.
• Joining this offer is optional.
• This offer cannot be transferred, exchanged for cash, or negotiated.

How to Avail the Offer?

• To get this offer, select the phone of your choice and pay the entire purchase amount using Kotak Credit Card EMI.

Oppo Offers

Terms and Conditions

• Customers using this offer can get up to Rs. 5000 as cashback.
• If you fail to make an EMI payment, you won't receive any cashback.
• This offer is available only through certain online and offline channels.
• Overdue or cancelled transactions won't be eligible for this offer.
• It's your choice to participate in this offer.
• The offer cannot be transferred, turned into cash, or negotiated.

How to Avail the Offer?

• To avail this offer, choose your desired Oppo phone and pay the full amount using Kotak Credit Card EMI.

OnePlus Offers

Terms and Conditions

• You can use this offer for a maximum of one transaction per card, per channel, and per category each month during the offer period (this includes Amazon, Flipkart, Myntra, oneplus.in, and in-store purchases).
• Please check the terms and conditions on each platform for stock, offer availability, and eligibility.
• This offer is not valid for payments made with any other payment method.
• It doesn't apply to Corporate Cards, Commercial Cards, Myntra Kotak co-branded cards, or Indigo Kotak co-branded cards.
• It is also not valid for full swipe or EMI payments made with debit cards.
• The offer is not applicable for card or cash on delivery transactions at Amazon, Flipkart, Myntra, and OnePlus.in.

How to Avail the Offer?

Customers should visit authorized OnePlus resellers to purchase eligible OnePlus products. To qualify for the offer, make the full payment using a Kotak Credit Card or Kotak Credit Card EMI on the POS terminals from Pinelabs or Paytm, or through the Pinelabs payment gateway on select online stores.

RBL Bank Credit Card Offers

RBL Bank Credit Card offers provide cashback and discounts on EMI transactions for smartphone purchases. Customers can receive cashback on Vijay Sales and enjoy savings on select Samsung models. These offers are valid until October 31, 2024, and can be availed at specific offline stores and online platforms.

Vijay Sales Offers

Terms and Conditions

• The offer is available for EMI transactions made with RBL Bank Credit Cards.
• It can be applied only once for EMI transactions.
• Offer is applicable on 3,6,9,12, 18, and 24-month tenures.
• You cannot combine this offer with any other offers.
• Only one card can be used for each invoice.
• Offers from multiple banks cannot be used on the same invoice.
• The bank will apply interest rates as per its standard EMI options.
• The bank may charge processing fees or other charges for EMI transactions.

How to Avail the Offer?

• Visit the offline store or website of Vijay Sales.
• Select the smartphone of your choice from different brands like realme, Vivo, OnePlus, and more.
• Make the payment via RBL credit card.
• During the checkout process, a discount will be automatically applied.

Samsung Offers

Terms and Conditions

• This offer is valid only for EMI transactions.
• It is available for tenures of 3 months or more.
• The offer applies at select offline stores with Pine Labs EDC machines and on the Benow payment platform.
• You can use this offer for one transaction per card during the offer period.
• The bank can choose to stop or extend the offer at its discretion.
• If there is deferred cashback, it will be credited within 90 days of the transaction.

How to Avail the Offer?

• Visit the offline store or website of Samsung.
• Choose your preferred smartphone.
• Pay using your RBL credit card, and a discount will be automatically applied during the checkout process.

YES Bank Credit Card Offers

YES Bank offers an instant discount on selected smartphones at Croma, valid until November 3, 2024, for full swipe transactions. Customers can take advantage of this offer once per card during the promotion period, providing a straightforward way to save on their purchases.

Croma Offers

Terms and Conditions

• This offer is valid only for full swipe transactions made with YES BANK Credit Cards .
• You can use this offer once per card during the offer period.
• Excluded brands include Apple, Nothing, OnePlus, and Xiaomi.
• This offer cannot be combined with other deals.
• Transactions made by add-on card members will also count toward eligibility.
• The offer applies to the base amount (not including taxes), and the merchant decides the final discount given.

How to Avail the Offer?

• Visit the Croma store.
• Select the product of your choice.
• Make a full swipe transaction with your credit card.
• Get an instant discount.

AU Credit Card Offers

AU Credit Card offers provide significant discounts on phone purchases at Reliance Digital, valid until October 13, 2024. Customers can enjoy these savings through full swipe or EMI transactions, enhancing their shopping experience while purchasing high-value items.

Reliance Digital Offers

Terms and Conditions

• This offer is available at Reliance Digital, My Jio stores, and their website.
• You can use the offer once per channel or platform during the offer period.
• It is valid for one transaction per card during the offer period.
• The offer applies only to full swipe transactions made with AU Credit Cards .
• It will not be valid if there is a brand cashback or discount available.

How to Avail the Offer?

• Go to your nearest store or visit www.reliancedigital.in to shop online.
• Choose the product you want.
• Pay using your AU Credit Card with a full swipe or EMI transaction.

Note: Make sure to check if the product is eligible for the discount at the store or on the Reliance Digital website before you pay.

Vijay Sales Offers

Terms and Conditions

• This offer is valid at Vijay Sales stores and on their website.
• Customers agree to the terms and conditions for products and services listed here: https://www.vijaysales.com/terms-of-use .
• Additional taxes may apply, and any tax liability will be the responsibility of the cardholder.
• The offer does not apply to payments made through AU 0101 NetBanking or the app.
• It is only available for full swipe non-EMI transactions.

How to Avail the Offer?

• Go to a Vijay Sales store or visit the Vijay Sales website.
• Choose the products you want to buy and add them to your cart.
• Pay with your AU Credit Card to get an instant discount.

Realme Offers

Terms and Conditions

• The product images shown in communications, whether through emails or on the website, are for representation only and may not match the actual products. No party will be held responsible for discrepancies.
• Returned, disputed, or unauthorized/fraudulent transactions are not eligible for this offer.
• By participating in this offer, you agree to abide by these terms and conditions, the platform's standard terms, privacy policy, and any applicable seller terms.
• All applicable government taxes and levies, including Sales Tax and TDS, are the responsibility of the cardholder at the time of the offer.

How to Avail the Offer?

• Visit www.realme.com/in .
• Add your desired Realme product to your cart.
• Complete your purchase using your AU Credit Card.

Vivo Offers

Terms and Conditions

• This offer is only available when you swipe your AU Credit Card for an amount above the minimum transaction value (MTV) set for each product by Vivo. Please check with the store for details.
• The offer is valid for purchases made at select Vivo-authorized merchants, including Vivo Retail Stores and large electronics stores like Reliance Digital, Croma, Vijay Sales, and other general trade stores defined by Vivo.
• You can use this offer once per card during the offer period.
• Customers should ask about the AU Credit Card Offer in stores and swipe their card on Pinelabs, Innoviti, Paytm Smart POS, Benow, ShopSe, or Ezetap POS machines to access the offer.
• This offer does not apply to EMI transactions.

How to Avail the Offer?

• Go to Vivo Retail Stores or large electronics stores like Reliance Digital, Croma, Vijay Sales, or any general trade stores.
• Ask about the eligible product you want to buy.
• Check the discount amount before you pay.
• Use your AU Credit Card to make the payment.
• The discount will be automatically applied to your eligible transaction.

SBI Credit Card Offers

SBI Credit Card offers instant discounts on select Oppo and Apple products when purchased through specific channels. For Oppo, customers can receive discounts ranging from INR 1,700 to INR 7,000 depending on the model and minimum order value, valid until November 5, 2024.

For Apple, instant discounts of up to INR 5,000 are available on various iPhone models, valid until December 28, 2024. These offers are applicable only for EMI transactions and cannot be combined with other offers or used with certain card types.

Oppo Offers

Terms and Conditions

• This offer is valid only for EMI transactions.
• It applies at select offline stores that use Pine Labs, Benow, Innoviti, Ezetap, and Paytm EDC machines.
• You can use this offer for one transaction per card per aggregator each month during the offer period.
• It does not apply to Corporate cards, Paytm co-branded cards, or Cashback cards.
• This is an instant discount program, meaning no cashback will be provided later.

How to Avail the Offer?

• Shop for products at offline stores
• Use your SBI credit card to make the payment.
• Instant discount will be available when you make the payment.

Apple Offers

Terms and Conditions

• This offer cannot be combined with any other existing OEM offer.
• It is not valid for Corporate cards, Paytm co-branded cards, or Cashback cards.

How to Avail the Offer?

• Shop for products from select retail stores, Apple reseller stores, Flipkart, or Amazon.
• Make the payment via SBI credit card to get an instant discount on selected products.

Wrapping Up!

Credit card offers from banks like Kotak Mahindra, RBL, YES Bank, and AU Bank present fantastic opportunities for customers to save money while purchasing electronics. With instant discounts, cashback, and convenient EMI options, these promotions cater to various consumer needs and preferences. By taking advantage of these best credit card offers, shoppers can enjoy their favorite gadgets without straining their budgets. Make sure to check the terms and conditions and select the offer that best suits your requirements for an enhanced shopping experience.

Disclaimer: All the information related to offers are subjected to their official website. Check the offer and validity of the offer first on the current date before using them.