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In 2025, smart shoppers are no longer waiting to save up for big purchases—they’re using best No Cost EMI stores options to split payments without paying a single rupee in interest. But with dozens of platforms claiming 0% EMI, how do you know which one truly saves you money?

In this guide, we’ll compare the top 10 No Cost EMI platforms in India and help you figure out which store offers the best deal based on your credit score, repayment ability, and type of purchase. Whether you want EMI without a credit card or the longest interest-free tenure, this guide is your shortcut to smarter shopping in 2025.

How to Avail No-Cost EMI on Amazon India & Flipkart

📌 Quick Summary (For Skimmers)

Best No Cost EMI stores in 2025:
✅ Bajaj Finserv – Widest offline & online reach
✅ Amazon Pay Later – Fastest approval & flexible plans
✅ Flipkart EMI – Electronics-focused deals
✅ ZestMoney – No credit card or high credit score required
✅ HDB Financial Services – Ideal for salaried individuals with basic documents

Use this guide to compare interest-free tenures, eligibility, hidden charges, and store-specific pros and cons.

🔍 What is No Cost EMI?

No Cost EMI is a payment facility that allows buyers to split the cost of a purchase into smaller monthly installments without paying any interest—unlike regular EMIs that include interest rates ranging from 12% to 24% per annum.

📱 Example:

Say you’re buying a smartphone worth ₹30,000.
Instead of paying ₹30,000 upfront, you opt for a 6-month No Cost EMI plan:

• Pay ₹5,000 per month
• No interest, no extra charges (if chosen smartly)

💥 However, some retailers or lenders may sneak in extra fees:

• Processing charges (₹99–₹500)
• Inflated MRP to compensate for zero interest
• Pre-closure or cancellation penalties

🟥 Always verify the total payable amount before confirming the plan.

🏆 Top 10 No Cost EMI Stores in India (2025)

Here’s a comparison table of the top EMI stores offering genuine No Cost EMI options across India:

Smart tips to increase your cibil score

⚠️ No Cost EMI vs Regular EMI (Key Differences)

Let’s break down the real difference between No Cost EMI and regular EMI:

🚩 Tip: Choose No Cost EMI when buying gadgets, home appliances, or phones during festive seasons — retailers usually bear the interest cost to boost sales.

💡 How to Avail No Cost EMI in 2025 – Step-by-Step Guide

Even if you’re a first-time buyer or have a limited credit history, availing a No Cost EMI is simple if you follow these steps:

1. Check Eligibility

• ✅ Credit Score: 650+ is preferred for most NBFCs
• ✅ Income Proof: Some options (ZestMoney, HDB) accept basic salary slips or bank statements
• ✅ No credit card? Use debit card EMI (select banks like HDFC, ICICI, Axis support it)

2. Choose the Right Tenure

• 3 Months – Lower interest risk, higher monthly payment
• 6 Months – Balanced
• 12–24 Months – Lowest EMI but higher chance of missing payments or fees

3. Apply Online or In-Store

• Amazon, Flipkart, and Myntra offer instant application flows
• Bajaj Finserv or Snapmint offer QR-code-based store activation

4. Read the Fine Print

Before hitting “Buy”:

• Look for hidden processing fees (₹99–₹499)
• Check for penalties in case of early closure or missed payment
• Ensure EMI amount = MRP / months (if higher, it’s not truly zero cost)

❌ Common No Cost EMI Scams to Avoid

Unfortunately, several platforms market deceptive EMI plans. Be alert and avoid:

1. “Zero Down Payment” Traps

Some retailers waive the down payment, but add fees or inflate product prices later.

2. Unlisted Partners

Only apply via verified platforms. Scammers pose as third-party finance agents and collect documents fraudulently.

3. Pre-Closure Fees

Some NBFCs charge 2–5% of the outstanding amount if you pre-close the EMI.

4. Missed Payment Charges

Delayed payments = late fee + reduced CIBIL score. Always enable auto-debit or reminders.

❓ FAQs About No Cost EMI in India

📌 Pro Tips to Maximize Savings on No Cost EMI

✅ Stack Discounts:
Use No Cost EMI + bank offers (e.g., 10% HDFC credit card discount on Flipkart)

✅ Shorter Tenures = Better:
3 or 6-month EMI plans reduce exposure to late payment risks

✅ Negotiate Offline:
Don’t see a No Cost EMI option in-store? Ask the retailer. Bajaj Finserv and ZestMoney often offer it manually.

✅ Avoid Buying Insurance with EMI Products:
Retailers upsell insurance bundles with EMI plans. Most are unnecessary and inflate your cost.

🎯 Final Verdict – Best no cost EMI store 2025

🎯 Conclusion:
For online purchases, go with Amazon or Flipkart. Want flexible EMI without a credit card? Try ZestMoney. Shopping offline? Use a Bajaj EMI card at electronics outlets. Always compare EMI plans, processing fees, and tenure before finalizing your order.