Credit Card Offers on Home Appliances

Last Updated : Oct. 10, 2024, 4:21 p.m.

Looking for the best credit card offers on home appliances? You're in the right place! We've compiled a comprehensive guide to help you navigate through various credit card promotions provided by major banks such as Axis Bank, ICICI, Kotak Mahindra, RBL, and SBI. Whether you're planning to upgrade your kitchen or replace an old air conditioner, these credit card offers make it more affordable to get what you need. Take advantage of these fantastic discounts and cashback opportunities when shopping for home appliances.

Best Credit Card Offers on Home Appliances

Below, we have mentioned some of the best banks that give amazing discounts and deals on credit cards for buying home appliances.

Axis Bank Credit Card Offers

Axis Bank provides exclusive discounts on home appliances at brands like Samsung, IFB, and LG. Offers are available for purchases made both online and offline and include options for EMI transactions.

Terms and Conditions

• This offer is applicable to all Axis Bank Credit Card EMI transactions.
• This offer does not apply to NR and Corporate Credit Cards.
• Only Indian residents with a valid Axis Bank Credit Card can use this offer.
• For offline purchases, you can use this offer once per month per card. For online purchases from e-stores, you can use it twice per month per card.

Steps to Avail the Offer

• Browse and shop on Samsung.
• Choose the home appliance you want to purchase.
• Make the payment via your Axis Bank credit card.

Terms and Conditions

• The cashback amount shown on the charge slip is final.
• GST charged on the interest amount will not be refunded.
• Customers can receive cashback on only one transaction per card each month during the offer period.
• The offer is available as long as stock lasts.
• This offer does not apply to Corporate and NRI Credit Cards .

Steps to Avail the Offer

• Shop your favorite home appliance at IFB.
• Make payment through Axis Bank credit card to avail the offer.

Terms and Conditions

• Offer available for EMI transactions over 3, 6, 9, 12, or 18 months.
• Applicable at LG Brand shops and other participating outlets.
• Cashback applies only to single transactions; multiple bills cannot be combined to claim this offer.
• If there are multiple offers available from Axis Bank at the same time, you cannot combine any two offers.
• This offer is valid on all Axis Bank Credit Cards.

Steps to Avail the Offer

• Purchase your preferred home appliance at LG.
• Use your Axis Bank credit card for payment at LG Brand shops or other participating outlets to take advantage of this offer.

Federal Bank Credit Card Offers

Federal Bank offers a special discount on home appliances purchased at retailers like Hari Om Retail, Electronic Paradise, and Chroma. This promotion is available on specific days of the week and for purchases made with Federal Bank credit cards.

Terms and Conditions

• Enjoy a 10% instant discount at offline stores for the brands mentioned.
• The discount is available every Wednesday, Saturday, and Sunday at Croma's offline stores.
• This discount also applies to Croma's online purchases on those specific days.
• Each cardholder can use this offer once per promotion period.
• This promotion is designed specifically for individual retail customers.
• This offer cannot be combined with other promotions.
• Hari Om Retail funds this offer when using Credit Card EMI .
• The offer cannot be negotiated, transferred, or exchanged for cash.

Steps to Avail the Offer

• Visit the offline or online stores of the specified brands.
• Select the home appliances you want to purchase.
• Pay with your Federal Bank credit card to receive instant cashback.

HDFC Bank Credit Card Offers

HDFC Bank extends cashback offers on brands such as Samsung, IFB, and Whirlpool. These benefits are available under the EASYEMI plan and are valid on a wide range of home appliances, enhancing the shopping experience for cardholders.

Terms and Conditions

• You can use this offer once per card during the offer period.
• The offer is valid for low-cost EMI plans of 6, 9, and 12 months on credit cards.
• The cashback amount shown on your receipt is the final amount you get.

Steps to Avail the Offer

• Visit any Samsung Exclusive Outlet, Authorized Dealer, or other leading retailers, or go to https://samsung.com/in/
• Choose the product you want.
• Get the benefits of the offer by purchasing with the EASYEMI plan on your HDFC Bank Credit Card .

Terms and Conditions

• This offer is valid on washing machines, refrigerators, microwave ovens, dishwashers, air conditioners, and kitchen appliances.
• Get cashback on EMI plans of 6, 9, 12, and 18 months.
• EASYEMI options are available for 3, 12, 18, and 24 months, with low-cost EMI options for 6 and 9 months.

Steps to Avail the Offer

• Visit any authorized IFB store, a major retailer, or go to https://www.ifbappliances.com .
• Choose the product you want.
• Use the EASYEMI option on your HDFC Bank Card to benefit from the offer when you make your purchase.

Terms and Conditions

• This offer is valid for refrigerators, washing machines, and dishwashers.
• It's available when using the EASYEMI option on credit cards.
• You can use this offer once per card each month.
• The offer applies to 6 and 9-month EMI plans.
• It's only valid on select products; please confirm with the store staff.

Steps to Avail the Offer

• Visit a Whirlpool Brand Shop, an authorized dealer, or any major retailer. Find a store near you at https://corporate.whirlpoolind ...
• Choose your desired product.
• Take advantage of the offer by purchasing with the EASYEMI plan on your credit card.

ICICI Bank Credit Card Offers

ICICI Bank credit card holders can enjoy substantial discounts on a variety of home appliances at leading retailers like Croma, Reliance Digital, IFB, and Haier. These offers are tailored to help you save on big purchases with discounts up to a specific maximum amount, depending on the brand and minimum purchase requirements.

Terms and Conditions

• The offers mentioned above are applicable on credit cards and credit card EMIs.
• This offer is valid only on selected products and may vary between items.
• To use the No Cost EMI option, choose your bank and the EMI tenure shown during checkout.
• IMPORTANT: To get this offer, make sure this is the only product in your cart. Terms and conditions apply.
• This offer does not apply to Amazon Pay credit card , business, commercial, or corporate cards.

Steps to Avail the Offer

• Visit the website of Croma.
• Before buying the product, check if the product is eligible for cashback.
• Add to the cart and make payment via your ICICI bank credit card to get the offer.

Terms and Conditions

• The offers listed are valid for purchases made with credit cards and on credit card EMI plans.
• You can find these offers at both online and offline stores.

Steps to Avail the Offer

• Go to the Reliance Digital website or visit a local store.
• Before purchasing, confirm that the product qualifies for cashback.
• Add the product to your cart and pay with your ICICI bank credit card to receive the offer.

Terms and Conditions

• The offer is applicable on ICICI bank credit card EMIs.
• The offer is valid online as well as available at your nearest store.

Steps to Avail the Offer

• Visit the IFB website or stop by a nearby store.
• Place the product in your cart and use your ICICI bank credit card at checkout to take advantage of the offer.

Terms and Conditions

• The offer is applicable on credit card EMIs.
• The offer can be availed online.

Steps to Avail the Offer

• Visit the website of Haier.
• Purchase your favorite home appliance.
• Make payment using your ICICI Bank credit card to avail the offer.

Terms and Conditions

• The offer is available on credit cards and credit card EMIs.
• The offer is applicable to offline stores of respective brands.

Steps to Avail the Offer

• Visit the offline store of your favourite brand.
• Purchase the home appliance of your choice.
• Make the payment using your ICICI Bank credit card to get the offer.

Kotak Mahindra Bank Credit Card Offers

Kotak Mahindra Bank provides exclusive cashback offers on purchases from brands like IFB, Haier, Panasonic, and Sony when using their credit card EMIs. This promotion allows customers to earn significant cashback on a variety of home appliances, making big purchases more affordable.

Terms and Conditions

• This offer is valid only if 'Cashback/Discount' appears on your bill summary. Please keep your bill summary for 180 days after the offer ends.
• The offer is available on Kotak Credit Card EMI.
• Customers can receive a maximum cashback of up to Rs. 7,500 on selected products.
• Customers who miss EMI payments will not receive the cashback.
• This offer is only available through certain online and offline channels.
• Transactions that are late or canceled will not qualify for this offer.

Steps to Avail the Offer

• To take advantage of the offer, purchase products from your preferred brand.
• Use your Kotak Credit Card EMI at checkout to receive cashback based on the brand selected.

RBL Bank Credit Card Offers

RBL Bank offers discounts on home appliances from major brands like Samsung, LG, and Reliance Digital. These discounts are available for both EMI and non-EMI purchases. It ensures that RBL cardholders can save on each purchase at selected offline and online stores.

Terms and Conditions

• This offer applies to purchases of at least INR 10,000.
• This offer cannot be combined with other cashback or discount offers. If another offer is available, this one won't apply.
• Commercial Credit Cards are not eligible for this offer.

Steps to Avail the Offer

• Visit Reliance Digital, My Jio stores, and Jio Mart Signature Stores.
• You can also make the purchase online.
• Buy the home appliance of your choice.
• Make the payment using your RBL Bank credit card.

Terms and Conditions

• The offer is valid for EMI transactions made with RBL Bank Credit Cards.
• Each EMI transaction can only use the offer once.
• Offers cannot be combined; only one offer can apply to a transaction.
• Only one card can be used per invoice.
• You cannot combine offers from different banks on a single invoice.
• The bank will apply interest to the EMI transactions at the usual rates.
• Additional processing fees or charges may apply to EMI transactions.

Steps to Avail the Offer

• Select your desired home appliance and click "buy now."
• Continue to checkout and navigate to the payment page.
• Select RBL Bank as your payment method.
• The discount will be applied automatically when you choose RBL Bank.

Terms and Conditions

• This offer is only available for EMI transactions.
• It applies to EMIs with a tenure of 3 months or more.
• The offer is valid at selected offline stores equipped with Pine Labs EDC machines and the Benow payment platform.
• Each card can use the offer only once during the promotional period.

Steps to Avail the Offer

• Choose the Samsung home appliance you want and click "buy now."
• Proceed to checkout and move to the payment page.
• Select RBL Bank as your payment option.
• The discount will automatically apply once you select RBL Bank.

Terms and Conditions

• This offer is available only for EMI transactions made through Pine Labs terminals.
• It's applicable when using an RBL Bank credit card.
• Each card can use the offer for just one transaction.
• The merchant can end or extend this offer at any time based on their decision.

Steps to Avail the Offer

• Go to the official website of LG or an offline store.
• Choose your product and make the payment using a credit card.
• The discount will be applied automatically.

YES Bank Credit Card Offers

YES Bank provides a discount on home appliances at Croma, applicable to both online and offline purchases. This discount is available for full swipe transactions made with YES Bank credit cards , enhancing savings for customers on a variety of home products.

Terms and Conditions

• This offer is only available for full swipe transactions using a YES BANK Credit Card.
• It can be used once per card during the offer period.
• The offer applies to the Home Appliances category, including TV panels, air conditioners, refrigerators, washing machines, microwaves, and a select range of small appliances.

Steps to Avail the Offer

• Visit your nearby Croma store.
• Buy the product of your choice.
• Make payment via credit card to get instant cashback.

AU Bank Credit Card Offers

AU Bank offers substantial discounts on purchases at Reliance Digital, My Jio stores, and Jio Mart Signature Stores. This includes both full swipe and EMI transactions, giving customers the flexibility to save significantly on larger purchases across a broad range of electronics and home appliances.

Terms and Conditions:

• This offer is valid at Reliance Digital, My Jio stores, and online at their website.
• You can use this offer once per store or online platform during the promotional period.
• It's available for one purchase per card throughout the offer period.
• This offer only applies to full swipe transactions using AU Credit Cards .
• The offer won't be valid if another brand cashback or discount is already applied.

Steps to Avail the Offer

• Visit a nearby store or go to www.reliancedigital.in for online shopping.
• Select the product you want to buy.
• Complete your purchase with a full swipe or EMI transaction using your AU Credit Card.
• Before paying, check if the product qualifies for the discount in the store or on the Reliance Digital website.

Terms and Conditions:

• This offer is available at Vijay Sales stores and their website.
• By purchasing, customers agree to the terms and conditions found at Vijay Sales Terms of Use .
• Extra taxes may be charged, and these are the cardholder’s responsibility.
• The offer isn't valid for payments made through AU 0101 NetBanking or the AU app.
• This offer is only for full swipe transactions not involving EMI.

Steps to Avail the Offer

• Visit a Vijay Sales store or go to the Vijay Sales website.
• Select the products you wish to purchase and add them to your cart.
• Pay using your AU Credit Card to receive an instant discount.

SBI Credit Card Offers

SBI Credit Card holders can enjoy discounts and cashback offers across multiple brands including Omega Sports, Khosla Electronics, Value Plus, LG, Whirlpool, Haier, and Bosch. These offers are valid for EMI transactions at select offline stores equipped with specific payment systems.

Terms and Conditions

• This offer is only valid for purchases made at Omega Sports & Radio Works outlets listed on www.sbicard.com , using an SBI Credit Card on a Pine Labs POS machine during the offer period.
• You can use this offer once for an EMI transaction and once for a non-EMI transaction, both on Pine Labs terminals only.
• You cannot combine this offer with any other promotions, although you can still receive a brand-specific discount.
• The offer is valid only when using the Pine Labs machine's 'Bank EMI' option, and the discount applies only if the receipt specifies that the transaction qualifies for an instant discount according to the terms and conditions.

Steps to Avail the Offer

• Use your SBI Credit Card to buy any product at Omega Sports & Radio Works Instant outlets and take advantage of the offer.

Terms and Conditions

• This offer is available only at Khosla Electronics Point of Sale (POS) stores and is valid only when using a Pine Labs terminal.
• You can use the offer once for an EMI transaction and once for a non-EMI transaction at Pine Labs terminals.
• The offer also applies to EMI transactions chosen at the time of purchase. Standard interest rates and processing fees will apply. Additionally, Merchant EMI terms and conditions apply.
• If you cancel or return your entire order, it won't qualify for the offer.
• If you cancel part of your order, the offer will apply only to the remaining amount you pay that meets the offer’s eligibility.
• Only transactions made on Pine Labs POS terminals are eligible for an instant discount.

Steps to Avail the Offer

• Use your SBI Credit Card to make the purchase of home appliances at Khosla Electronics and take advantage of the offer.

Terms and Conditions

• This offer is only valid at Value Plus outlets listed on www.sbicard.com when using a Pine Labs POS machine with your SBI Credit Card during the offer period.
• You can use this offer once for an EMI transaction and once for a non-EMI transaction, but only on Pine Labs terminals.
• You cannot combine this offer with other promotions, except for OEM offers specific to products.
• The offer is valid only when using the 'Bank EMI' option on Pine Labs machines, and it applies only if the receipt specifically states that the transaction qualifies for an instant discount according to the offer's terms and conditions.
• Please keep your receipt for 180 days after the offer ends.

Steps to Avail the Offer

• With your SBI Credit Card, purchase any product at Value Plus Outlets and receive an automatic discount at checkout.

Terms and Conditions

• This offer is only available for EMI transactions.
• It applies to EMIs with a minimum duration of 3 months.
• The offer is valid at select offline stores that use Pine Labs, Benow, and Paytm EDC machines.

Steps to Avail the Offer

• Visit any offline store.
• Make purchases using your SBI credit card.
• Get an instant discount.

Terms and Conditions

• This offer is only available for EMI transactions.
• It applies to EMIs with a minimum duration of 3 months.
• The offer is valid at select offline stores that use Pine Labs, Benow, and Paytm EDC machines.

Steps to Avail the Offer

• Shop for home appliances at nearby stores.
• Make payment via SBI credit card and get an instant discount.

Terms and Conditions

• This offer is only available for EMI transactions.
• You can use the offer at select offline stores equipped with Pine Labs, Benow, and Paytm EDC machines.
• Each card can use the offer once per month for each payment system during the offer period.
• The offer does not apply to Corporate cards, Paytm co-brand, or Cashback cards .
• This is an instant discount offer; no cashback will be given later.

Steps to Avail the Offer

Shop for Haier home appliances at nearby stores. Pay with your SBI credit card to receive an instant discount.

Terms and Conditions

• This offer applies to all SBI Credit Cards except for Corporate Cards, Paytm SBI cards , and SBI Cashback Cards .
• The offer is available only on EMI transactions.

Steps to Avail the Offer

Shop for Bosch home appliances at participating stores. Use your SBI credit card to make the payment and enjoy an instant discount.

Wrapping Up!

With these credit card offers on home appliances, you can save significantly on your next big purchase. Whether you choose Axis, Federal, HDFC, or any other bank, remember to review the terms and conditions for each offer to maximize your benefits. Always check the validity period and ensure you comply with the steps to avail these offers to not miss out on great savings. Happy shopping, and enjoy your new home appliances with a little less financial strain!

Disclaimer: All the information related to offers are subjected to their official website. Check the offer and validity of the offer first on the current date before using them.