EMI Card

How to Use an EMI Card for Online and Offline Shopping

Poonawalla Fincorp Team
5/22/25 9:16 AM  | 3 Minutes
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Table of Content

EMI cards have become a preferred payment method for many, offering the convenience of paying for high-value purchases in easy monthly instalments. Whether you are browsing online or picking out products in a store, using an EMI card effectively eliminates upfront payments and offers various other benefits. In this blog we have broken down the steps to make the most of your EMI card across both platforms. Read on to know more and enjoy a smoother, pocket-friendly shopping experience.

How to Use an EMI Card for Online Shopping

EMI Card for Shopping

With the advent of ecommerce stores in India, online shopping has become the preferred choice for many. The experience becomes even more rewarding with an EMI card that offers convenience and affordability by partnering with top ecommerce platforms.

 Follow these simple steps to shop online using an EMI card:
•    Visit the partner ecommerce store (website or mobile app).
•    Search for the products eligible for payment with an EMI card.
•    Add your purchases to the cart and proceed to buy.
•    Check available payment modes and select EMI.
•    Select your EMI card and enter your card details.
•    Choose an EMI plan as per your budget for monthly instalment.
•    Make the payment by authorising your purchase with an OTP.

How to Use an EMI Card for Offline Shopping

While EMI cards provide a convenient payment option for shopping online, most lenders also partner with offline stores and dealerships. You can use your EMI card at such select physical stores to purchase eligible retail items such as consumer durables.

 Follow these simple steps to shop offline using an EMI card:
•    Visit a partner store near you offering products on your EMI card.
•    Browse the store and choose an eligible product of your choice. 
•    Furnish your EMI card details at the counter while checking out.
•    Choose your EMI plan as per your monthly repayment budget.
•    Once verified, your payment will be processed from the EMI card balance.

Why Shop with an EMI Card - Features & Benefits

High Card Limit – Depending on your credit score and other lending policies, lenders can sanction a high loan amount on your EMI card.
Instant Card Issuance – With most lenders having a 100% digital process, you can get an instant issuance of your digital EMI card and start using it for shopping instantly.
Flexible EMI Plans – While making a purchase using your EMI card, you can choose an EMI plan that suits your budget. Longer tenure leads to lower monthly EMIs while shorter tenures are associated with a higher monthly EMI amount. 
No Upfront Payment – When you shop with an EMI card, the need to make upfront payments is either eliminated or minimised. With seasonal offers like no-cost EMIs, you can also make purchases without paying any interest or even downpayments. 
100% Digital Process – Not only have lenders digitised the application process and issuance of EMI card, but you can also use your card to shop online on EMI on major ecommerce platforms like Flipkart and Amazon.

What is the PFIN EMI Card

Poonawalla Fincorp’s recently launched PFIN EMI card is a feature-rich financial tool that helps you shop consumer durables by spreading out the cost over manageable monthly instalments. This means that you can shop for smartphones, appliances and other retail items using the PFIN EMI card and pay for them with flexible EMI options.

Features & Benefits
•    100% digital process
•    Hassle-free application
•    Quick approval
•    High loan amount of up to ₹5 Lakhs
•    Instant digital card issuance
•    Flexible EMI plans

How to Apply for the Poonawalla Fincorp PFIN EMI Card

Poonawalla Fincorp has a 100% digital process in place for users to conveniently apply for the PFIN EMI card. Here is a step-by-step breakdown of how you can apply for the card from anywhere.

Step 1: Visit the PFIN EMI card application page on the Poonawalla Fincorp website.
Step 2: Enter your Aadhaar linked mobile number and verify with OTP.
Step 3: Fill out the application form with your details.
Step 4: Complete KYC verification and mandate registration. 
Step 5: Get offers on your EMI card with instant digital card issuance.

To Conclude

An EMI card is a revolutionary financial product offering the convenience of making online or offline purchases and paying in instalments. It offers lucrative benefits such as flexible EMI plans, no upfront payments and instant card issuance.
If you are looking to get a feature-rich card to make hassle-free purchases on EMI, then the recently launched Poonawalla Fincorp PFIN EMI card is worth a try. With a 100% digital process, you can get the PFIN card instantly with a high loan amount of up to ₹5 Lakhs. Explore the complete details of the PFIN EMI card on the official Poonawalla Fincorp website and apply now in just a few steps.

Frequently Asked Questions

1. What is an EMI card?
An EMI card is a digital card with a pre-defined card limit similar to a credit card. You can use an EMI card to shop for various consumer durables and other retails products and pay for them in monthly instalments.

2. What is the maximum credit limit of the Poonawalla Fincorp PFIN EMI card?
You can get a high loan amount of up to ₹5 Lakhs with the Poonawalla Fincorp PFIN EMI card. 

3. Where can I shop using the PFIN EMI card?
You can shop for consumer durables and retail items at all Poonawalla Fincorp partner stores using the PFIN EMI card.

4. How can I check my PFIN EMI card details?
You can check your EMI card details by clicking on View My Card Details and logging in with your registered mobile number.

5. Can I get flexible EMI plans with the PFIN EMI card?
Yes. Poonawalla Fincorp offers flexible repayment options to choose from when you make a purchase using the PFIN EMI card. You can choose from one of the available EMI plans when completing your purchase.

About the Author

Poonawalla Fincorp Team
Our team of expert writers and editors are passionate about providing authentic and valuable information on finance. Our aim is to simplify financial and finance-related concepts. We strive to help our readers become more aware and empowered to make informed financial decisions.
Disclaimer

We take utmost care to provide information based on internal data and reliable sources. However, this article and associated web pages provide generic information for reference purposes only. Readers must make an informed decision by reviewing the products offered and the terms and conditions. Loan disbursal is at the sole discretion of Poonawalla Fincorp.

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