Is Buying Electronics & Appliances on EMI Good or Bad?



Small things in life can bring a lot of joy to your family. Buying a new television or laptop is a satisfying experience. However, you may not always have the funds to make such purchases. Shopping on EMI is an excellent and affordable solution for this.  Let’s take a look at the benefits of EMI shopping: 

Benefits Of Shopping On EMI 

1. Increases Affordability 

You may think of the high interest rates & additional charges when you apply for a credit card. Fortunately, the repayments of your purchases are through equated monthly installments (EMIs) and fortunately, Home Credit Ujjwal EMI Card also offers EMI shopping at 0 processing fee*, 0% interest** & 0 joining fees*.  

Furthermore, you would have to make a lower down payment to purchase your desired electronics or appliances. This makes EMI shopping more affordable for borrowers. 

2. Instant Approval 

A huge advantage of shopping on EMI using Ujjwal EMI Card is the quick approval process. This is because Home Credit requires minimal documentation to approve your application. All you need to provide is your identity & address proof. The entire procedure from application to disbursal of loan is completed in a short period of time, which makes it convenient for you to avail a credit limit. 

3. No Need To Pledge Your Assets 

When you choose to buy a personal electronic item such as a laptop or smartphone, or a household item such as a refrigerator or LCD TV on EMI, you are not required to provide any asset as security against the line of credit. This means you can get a credit limit quickly and without pledging your assets.  

About Home Credit Ujjwal EMI Card 

Home Credit Ujjwal EMI card is your ticket to a world of benefits that you could only dream of earlier. Our Ujjwal EMI Card facilitates convenient shopping for you with the following benefits:  

  • Instant pre-approved credit limit of ₹75000.  
  • Zero foreclosure charges.  
  • One time documentation process. 
  • Flexibility to choose your credit limit. 
  • Easy EMIs with 0 processing fee*, 0% interest** & 0 joining fees*  

Whether it’s about buying a mobile on EMI or the latest fridge you want your mother to proudly own in her kitchen, we have got you covered. You can enjoy online and offline shopping on easy monthly installments, without paying the entire amount at once with our Ujjwal EMI card.   

How To Apply For Home Credit Ujjwal EMI Card? 

1. Download the SuperCupo App 

Download the Home Credit SuperCupo app from the Google Play Store. 

2. Apply For Ujjwal EMI Card 

Register on the app with your mobile number & proceed with your Ujjwal EMI Card application. 

3. Activate Your Credit Limit 

Submit the required KYC documents & choose your credit limit. 

Apply for a Home Credit Ujjwal EMI card now so you no longer have to stray away from your dream purchases!