> ## 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 Debit Card EMI

> Using Razorpay, you can let your customers use Debit EMI as a payment method to buy various products on EMI using their Debit Cards without paying the entire amount immediately. Razorpay supports EMIs on debit cards issu

* **Debit Card EMI Changelog**: Discover new features, updates and deprecations related to Debit Card EMI (since Jan 2024).

Using Razorpay, you can let your customers use Debit EMI as a payment method to buy various products on EMI using their Debit Cards without paying the entire amount immediately. Razorpay supports EMIs on debit cards issued by [major banks](/payments/payment-methods/emi/faqs#5-can-you-provide-a-list-of-the). 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 Banks for Debit Card EMIs

Below is a list of banks that support debit card EMIs.

## Bank Code | Issuer Bank

## HDFC | HDFC Bank

ICIC | ICICI Bank

<Info>
  **Handy Tips**

  Check the [standard debit card interest rates](/payments/payment-methods/emi/faqs#5-can-you-provide-a-list-of-the) and the minimum amount charged by the banks.
</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 **Debit Card**.
  </Step>

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

  <Step title="Step 5">
    They enter the relevant card details and choose if they want to **Save this card as per RBI guidelines** or pay without saving the card.
  </Step>

  <Step title="Step 6">
    Click **Continue**.
  </Step>
</Steps>

If the customers are not eligible, they can pay the full amount.

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.

## FAQs

[Debit Card EMI FAQs](/payments/payment-methods/emi/faqs#debit-card-emi).