Q1 HOW DO I MAKE PAYMENT ON CROMA ONLINE?
Once you have selected the desired product, Croma’s trusted payment gateway accepts the below mentioned payment options to confirm the order and complete the transaction online:
- Credit/Debit Cards: Visa, MasterCard, Rupay, Maestro, American Express and Diners
- Internet Banking
- Wallets: Google Pay, Amazonpay, Freecharge, Mobikwik, PayTM, Phonepe
- Gift Cards: Croma Gift Card and Gyftr vouchers.
- Pay on Delivery (available in selected pin codes).
Q2 HOW DO I PAY USING A CREDIT/DEBIT CARD?
The following cards issued in India can be used to pay; however, the shipping address should be within India
- Credit Cards: VISA, Mastercard, American Express, Diners Club
- Debit Cards: VISA, Mastercard, Maestro, RuPay
- All international personal credit cards (Visa, MasterCard and American Express) issued outside India
To pay using your cards at checkout, you will need your card number, expiry date, three or four digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank's page for entering the online 3D Secure password to complete the payment.
CVV Numbers for different cards are placed in different locations on your card:
- If you have Visa/Mastercard/Diner's/Discover card: Your CVV is a 3-digit code after the last four digits of your credit card number on the back of the card within the signature field.
- If you have an American Express card: Your CVV is a 4-digit number on the front of the card on the right hand side above the card number. For Amex Card, you can redeem your card points on the Amex Page when redirected.
Note: SBI Maestro card does not have CVV and expiry date
Q3 IS IT SAFE TO USE MY CREDIT CARD ONLINE AT CROMA.COM?
Croma does not store Credit / Debit card numbers, CVV / Security Code, Pin for 3D Secure, Expiry date on any of its servers and only collects in a session while making a transaction.
All your transactions online are protected & secured by SSL (secure socket layer) technology.
Q4 WILL I BE ASKED TO PROVIDE ANY CARD INFORMATION, ACCOUNT INFORMATION OR PASSWORDS OVER PHONE OR EMAIL?
The Croma team will never request you to share any of your card or account related details over email or over phone.
Q5 UNDER WHAT NAME WILL MY PURCHASE BE CHARGED ON THE CREDIT CARD STATEMENT?
Your purchase will be charged under the company name “INFINITI RETAIL LIMITED”. Sometimes, your card company may show in the statement a truncated name like 'CROMA'
Q6 WHICH BANK DO YOU ACCEPT PAYMENTS FOR VIA NET BANKING?
We accept payments for your orders through the following banks:
Airtel Payments Bank Deutsche Bank Karnataka Bank Tamilnadu Mercantile Bank Andhra Bank Dhanlaxmi Bank Karur Vysya Bank The Bharat Co-op. Bank Ltd AXIS Bank Federal Bank Kotak Mahindra Bank UCO Bank Bank of India HDFC Bank Lakshmi Vilas Bank Union Bank of India Bank of Maharashtra ICICI Bank Oriental Bank of Commerce United Bank of India Canara Bank IDBI Bank Punjab & Maharashtra Co-operative Bank Limited Vijaya Bank Catholic Syrian Bank IDFC FIRST Bank Punjab & Sind Bank YES Bank Central Bank of India Indian Bank ShamraoVithal Co-operative Bank Ltd. Corporation Bank Indian Overseas Bank South Indian Bank Cosmos Bank IndusInd Bank State Bank of India DCB Bank Jammu & Kashmir Bank Syndicate Bank Dena Bank Janata Sahakari Bank Pune
Note: Kindly check with your bank if online transactions are enabled in your account.
Q7 WHAT IS AN EMI PAYMENT OPTION?
EMI (Credit Card) stands for 'Equated Monthly Installment' and it’s a convenient payment option that you can choose to pay for the order in easy installments to the credit card issuing bank. The option is available only on credit cards issued by the following banks.
AMEX AXIS CITI HDFC HSBC ICICI INDUS KOTAK RBL SBI SCB YES *18 & 24 months EMI options are available only on selected banks.
This EMI option is facilitated by the card issuing bank. The EMI eligibility, payment tenure [months-3/6/9/12/28/24] and refund rules are solely on the internal discretion and approvals of the issuing bank. Any communication related to an ongoing EMI scheme should be addressed to the card issuing bank.
Q8 WHAT ARE THE BANK INTEREST RATES AND CALCULATION OF CREDIT CARD ON EMI?
RBI has mandated banks to take a nominal charge on EMI services. This charge will be collected by banks over the EMI tenure. This charge is collected by Issuing Bank and not by Croma. This is an annual charge and is calculated on the outstanding balance. You will see this charge in the monthly bill cycle as defined by the bank. An Illustration below shows a bank and the respective EMI options based on the product price. This is for indicative purposes only, your EMI payments may differ with total order amount and additional bank charges.
The table below shows a representative rendering of EMI plans for a Rs 20,000 purchase on Croma paid using the EMI payment plan Tenure
Bank rate(%) Total Effective
price you pay
Interest paid to bank 3 Rs. 20,000 Rs. 6,800.44 12 Rs. 20,401.33 Rs. 401.33 6 Rs. 20,000 Rs. 3,450.97 12 Rs. 20,705.80 Rs. 705.80 9 Rs. 20,000 Rs. 2,344.32 13 Rs. 21,098.89 Rs. 1,098.89 12 Rs. 20,000 Rs. 1,786.35 13 Rs. 21,436.15 Rs. 1,436.15
Note: Currently, we facilitate Credit card EMI only.
Q9 WHAT IS THE ELIGIBILITY CRITERIA TO AVAIL EMI OPTION?
The Credit Card EMI payment option is available only above a minimum order value which varies from bank to bank. For given order value, only the eligible banks will be displayed under the issuing bank list on the EMI payment page on Croma.com.
- For Bank Credit Cards: EMI payment option is applicable on all purchases worth Rs 5000/- and above made on Croma using selected Bank credit cards.
- For Bajaj Finserv: You need to have a Bajaj Finserv EMI card and it is available on selected Products only. The tenure is mentioned on the product page to be selected at the time of checkout.
Q10 HOW CAN I MAKE THE PAYMENT USING EMI OPTION?
Once you have selected the desired product, you can add it to your cart and proceed to check out. On the Payment Page, select EMI and follow the below mentioned steps:
- Select the Credit Card issuing bank of your preference [Enter your Credit/*Bajaj Finserv]
- Select the repayment duration (3, 6, 9, 12, 18 or 24 months). The interest rate, monthly EMI and total interest payable will be displayed.
- Enter your Credit Card issuing bank details.
- Click ‘Pay Now’
- Once the payment is authorized, your order will be processed and shipped.
Q11 WHY IS THE TRANSACTION AMOUNT NOT CONVERTED INTO EMI?
The full amount will be charged on your card on the day of transaction. This will later be converted to an EMI transaction by your respective bank. This normally takes 5-7 working days.
Q12 WHY IS SUM TOTAL OF EMI’S MORE THAN THE ORDER VALUE?
The issuing bank charges interest per EMI transaction. The interest rates are decided by the bank and are displayed at the time of completing the transaction.
Q13 WHAT IS NO COST EMI?
No Cost EMI is an offer by which you pay your EMI provider only the product price, equally divided over your repayment timeline. For instance, if you buy a Rs.18,000 item at a 6 month tenure, you will pay your EMI provider Rs.3,000 every month for 6 months, amounting to a total of Rs.18,000*. You do not have to pay interest on the product purchased
Q14 WHICH PAYMENT METHODS CAN I USE TO GET A NO COST EMI?
No Cost EMI is available on selected credit, debit cards on Pinelabs.EMI which can be viewed after selecting the payment mode as EMI and clicking on No Cost EMI .
Q15 ARE THERE ANY FEES OR DOWN PAYMENT?
There are no processing fees or down payment for these transactions. Your bank will charge GST on the interest component of the EMI.
Q16 IS NO COST EMI AVAILABLE ON ALL PRODUCTS ON THE SITE?
No Cost EMI is available on wide selection of categories including mobiles, large appliances, laptops and much more. It is applicable on selected products only. You can check the availability in the Cashback and EMI section on the product detail page.
Q17 WILL MY BANK CONTINUE TO CHARGE ME INTEREST?
Yes, your bank will charge you interest. However, this interest charge has been provided to you as an upfront discount at the time of your purchase, effectively giving you the benefit of a No Cost EMI*.
*Note: this excludes GST that will be charged by your bank on your interest component of the EMI
Q18 HOW WILL MY EMI BE CHARGED?
Your EMI provider will take 3-5 working days to process your EMI. Once done, your EMI will be charged on a monthly basis, as per your credit/debit card billing cycle or payment instructions with your EMI provider. Please check with your issuing bank or card company for specific details.
Q19 WHAT IS UPI & HOW TO OPEN A UPI ACCOUNT?
UPI or Unified Payments Interface is an immediate real-time payment system that helps in instantly transferring the funds between the two bank accounts through a mobile platform. It is based on the 2 Factor Authentications with a seamless single click payment. Once you have linked your bank account and created a virtual ID namely name@bankname, you will be able to start using it to make payment on Croma Web/App.
Q20 WHAT IS GOOGLE PAY & HOW TO OPEN A GOOGLE PAY ACCOUNT?
Google Pay is a digital platform to send & receive money. Google Pay works with all banks that support UPI. You will have to create a Google Pay account and you have to link your bank account to make payment to Croma Website/app to complete the transaction.
Q21 WHAT IS AN ONLINE WALLET? HOW DO I MAKE PAYMENTS USING AN ONLINE WALLET?
We have Online Wallets which can be used to make payments: Amazonpay, freecharge, Mobikwik, PayTM and PhonePe. A Wallet is a prepaid financial instrument available on Croma website. It allows Indian consumers to store money in a virtual wallet and then make payments, without entering your card/bank details for every transaction.
Once you have selected the items in your cart, proceed to make a payment and select the “Wallet”option. Under 'Wallets' you will find a radio button for types of wallets. Please choose the option by clicking on the radio button you will be redirected to the below wallets to make the payment.
- AMAZONPAY: You need to Login –In with username & password to use your amazon account and thereafter select your preferred payment option such as credit cards / a direct debit bank account/ VPA ID on UPI to complete the purchase on croma website/app
- FREECHARGE: You need to Log-in with your Email ID and Mobile Number to complete the transaction on croma website/app
- MOBIKWIK: You need to enter your Mobikwik credentials and complete your purchase using the wallet balance or any mode of payment available on that page to complete your transaction on Croma website/app.
- PHONEPE: Under PHONEPE, you can opt for multiple payment options like wallet, cards, BHIM for payment to complete the transaction.
- PAYTM: You need to set up an account using your mobile phone number and email ID to use a Paytm account and complete purchase on Website using UPI, Debit/ Credit Cards, Net Banking, Paytm Wallet.
Q22 DO YOU PROVIDE PAY ON DELIVERY PAYMENT OPTION?
Yes, Croma accepts orders through ‘Pay-on-Delivery’ except for large appliances like air-conditioners, washing machines, televisions etc. Once order is verified, shipment are processed in the time specified, from the date of confirmation. Croma also sends notification on registered email Address or mobile Number. We do not offer Pay On delivery option for Order amount greater than Rs.30,000 and if the address is not Serviceable by Courier Agent.
Q23 HOW CAN I BUY CROMA GIFT CARD?
CROMA offers Physical & Electronic Gift Cards to you which can be purchased from www.croma.com and can be redeemed online as well as Croma Stores.
PHYSICAL GIFT CARDS ELECTRONIC GIFT CARDS
- Available For Purchase on Store &
- Available For Purchase on
- Reloading Option Possible
- Reloading Option Not Possible
- Gift Card can be redeemed at Croma
stores and on www.croma.com
- EGV can be redeemed at Croma
stores and on www.croma.com
- It can be Redeemed Multiple Times.
- It can be Redeemed Once only.
- Click Here for more details on PHYSICAL GIFT CARDS
- Click Here for more details on ELECTRONIC GIFT CARDS
Q24 WHAT IS THE MYGYFTR?
Under Gift cards on payment page of croma.com, you can use your Mygyftr vouchers (received from your bank/employer) to complete the purchase. Voucher code is alphanumeric and accepts maximum 12 characters in length. You can log on to www.gyftr.com for checking voucher status. Currently Vouchers can be redeemed at Stores only.
Q25 CAN MYGYFTR VOUCHERS BE USED FOR PARTIAL REDEMPTION?
All vouchers are for One time use only and if the MyGyftr voucher value is more than the bill value, remaining amount will be forfeited. Maximum Five voucher codes can be used in a single transaction.
Q27 MY TRANSACTION FAILED BUT MONEY IS DEDUCTED FROM MY ACCOUNT. WHAT SHOULD I DO?
Payment can fail due to a technical glitch or due to incorrect payment credentials. Within 48-hours, your order will automatically be confirmed by our system & a confirmation will be sent to you through Email and SMS. However, if your order is not confirmed or you get a payment declined message, please check with your bank for details or contact us. Please stay rest assured that your amount will be refunded to you in case of failed order transaction. In case of no communication, please email us on firstname.lastname@example.org or call on 7207-666-000.
Q28 CAN I USE MORE THAN ONE PAYMENT METHOD, OR COMBINE PAYMENT MENTHODS, TO MAKE MY PURCHASE?
If Croma Giftcard or Mygyftr voucher value is less than the cart value, you can pay for the balance amount through other pre-paid modes like Credit Cards or Debit cards or Net banking or Wallets. No two cards or prepaid mode of payment can be combined at the moment.
Q29 How can I get refund for EMI transactions?
In case of refund, though the amount is credited back to the customer’s card, the EMI closure will happen only after customer communicates the same to the bank. Customer will need to specifically communicate to the banks its intent of EMI loan closure. Also if customer fails to communicate the same to bank, the interest amount that bank will keep levying will be borne by the customer.Foreclosure or any other charges, if any which are levied by the customer’s bank, will be borne by the customer.