> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# About Credit Card EMI

> 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:

## 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

## Code | Card Network Name | Availability | Minimum Amount (in INR)

Onecard  | OneCard | Enabled on first card transaction | 2500

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).

Check the standard [credit card interest rates charged by major banks](/payments/payment-methods/emi/faqs#1-what-are-the-standard-credit-card-interest).

### Fetch EMI Plans

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

/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](/api/authentication#generate-api-keys).

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

  ```json: Response
  {
    "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
          }
        }
      ]
    },
    ...
  }
  ````
</Info>

## Payment Flow on Standard Checkout

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

<Steps>
  <Step title="Step 1">
    Enter the **Phone Number** and click **Continue**.
  </Step>

  <Step title="Step 2">
    Select **EMI** as the payment method.
  </Step>

  <Step title="Step 3">
    Select **Credit Card**.
  </Step>

  <Step title="Step 4">
    Choose a bank from the list and select the EMI tenure. Click **Continue**.
  </Step>

  <Step title="Step 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.
  </Step>

  <Step title="Step 6">
    Choose if they want to **Save this card as per RBI guidelines** or pay without saving the card.
  </Step>
</Steps>

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](/payments/payment-methods/emi/faqs#credit-card-emi).