EMI
Finance Your Build with Easy EMI
Don’t wait months to save up — get your dream rig now and pay in comfortable monthly instalments through your bank’s credit card EMI. Builds starting at ₹69,420 are eligible.
Note: All EMI options listed here are standard bank EMI plans. Interest is charged by your bank at their applicable rate — Bitspace does not subsidise or absorb any EMI costs. The price you see is the price you pay; your bank converts it to EMI on your card.
🔢 EMI Calculator
ⓘ This is an estimate. Your exact EMI and interest rate are determined by your bank at checkout.
🏦 Partner Banks & Payment Providers
EMI is available at checkout through the following banks. All plans are standard EMI — interest rates apply as per your bank’s policy.
| Bank / Provider | Tenures Available | Approx. Interest Rate | Minimum Order |
|---|---|---|---|
| HDFC Bank | 3, 6, 9, 12 months | 12–15% p.a. | ₹5,000 |
| ICICI Bank | 3, 6, 9, 12, 18 months | 13–15% p.a. | ₹5,000 |
| SBI Card | 3, 6, 12, 24 months | 14–16% p.a. | ₹10,000 |
| Axis Bank | 3, 6, 9, 12 months | 13–15% p.a. | ₹5,000 |
| Kotak Bank | 3, 6, 12 months | 13–16% p.a. | ₹5,000 |
| Bajaj Finserv EMI Card | 3, 6, 9, 12, 18, 24 months | 14–18% p.a. | ₹3,000 |
| American Express | 3, 6, 12 months | As per Amex policy | ₹5,000 |
📈 Indicative Interest Rates by Tenure
Rates vary by bank and card type. Use these as a planning guide — your confirmed rate appears at checkout.
| Tenure | Typical Rate Range | Best For |
|---|---|---|
| 3 months | 12–14% p.a. | Lowest total interest cost |
| 6 months | 13–15% p.a. | Balanced EMI & interest |
| 9 months | 14–16% p.a. | Mid-range builds |
| 12 months | 15–18% p.a. | High-end rigs & workstations |
| 18–24 months | 16–20% p.a. | Smallest monthly outflow |
💻 Which Products Qualify?
- All Custom PC Builds (Gaming, Workstation, Creator rigs)
- All Laptops listed in the store
- Individual PC Components (GPU, CPU, RAM, Storage, etc.) above ₹5,000
- Peripherals & Accessories bundled with a build (varies by bank)
- Products must be in-stock and ordered through the Bitspace online store
📋 How to Select EMI at Checkout
- Add your desired product(s) to the cart and proceed to Checkout.
- On the payment step, choose Credit Card as your payment method.
- Enter your credit card details — eligible cards will automatically show the “Convert to EMI” or “Pay via EMI” option.
- Select your preferred tenure (e.g., 3, 6, 9, or 12 months).
- Review the EMI breakdown your bank shows — including the monthly instalment, interest rate, and total payable amount.
- Confirm and place your order. Your bank will process the EMI conversion within 1–3 business days.
For Bajaj Finserv EMI Card: At checkout, select “Bajaj Finserv” under Other Payment Methods and enter your 10-digit mobile number. Approve the OTP to confirm your EMI plan.
❓ Frequently Asked Questions
Does Bitspace offer no-cost or zero-interest EMI?
No. Bitspace does not offer zero-cost or no-cost EMI. PC hardware is a highly competitive, low-margin category and we price our products as sharply as possible — absorbing EMI interest on top of that is not feasible. All EMI plans are standard bank EMI where your bank charges interest on the outstanding amount. We believe in transparent pricing: the price you see is exactly what you pay, financed through your bank.
Is there any processing fee for EMI?
Some banks charge a one-time processing fee of ₹99–₹499 for EMI conversion. This is levied by your bank, not Bitspace, and will be shown to you at the time of EMI selection during checkout.
Do I need a minimum credit limit on my card?
Yes. Your available credit limit must be equal to or greater than the full order value. The entire amount is blocked upfront on your card and then converted to EMI by your bank.
Can I pay using a debit card EMI?
Debit card EMI is available for select HDFC, SBI, and Kotak Bank debit cards. Not all debit cards are eligible — the EMI option will appear at checkout only if your card qualifies.
What happens if I return a product purchased on EMI?
If your return is approved as per Bitspace’s return policy, the refund is processed to your original card. Your bank handles the EMI foreclosure — any interest already paid is typically non-refundable per bank policy.
Can I foreclose my EMI early?
Yes — contact your bank directly to foreclose. Most banks permit this after the first instalment, though a foreclosure fee (typically 1–3% of outstanding principal) may apply.
I don’t see the EMI option at checkout — why?
EMI availability depends on your card type, issuing bank, and available credit limit. Make sure you are using a credit card from one of our partner banks listed above. If the option still doesn’t appear, call your bank to confirm EMI eligibility on your specific card.
Have questions about financing your build?
Our team is happy to help you pick the right tenure or work out what fits your budget.
Talk to Us“It is thrifty to prepare today for the wants of tomorrow.”
- Aesop