Cyclop EMI Policy

Welcome to our EMI Policy page. Here you will find information on how you can purchase your dream product on EMI’s using your credit card. Should you still have any questions, please feel free get in touch with us by either calling us or emailing us at

EMI is offered on Credit Cards from the following card issuing banks

  • American Express
  • Bank of Baroda
  • Citi Bank
  • ICICI Bank
  • IndusInd Bank
  • Kotak Mahindra Bank
  • RBL Bank
  • Standard Chartered Bank
  • YES Bank
  • AXIS Bank
  • State Bank of India

how to Avail EMI on Cyclop

Step 1: Choose a product, Select the color, size and quantity. Click "Add To Cart" or "Buy It Now" button.

Step 2: If you've selected "Add to Cart" then, open up your Cart and Click on the "Check Out" button.

Step 3: Enter the required information, then click "Continue to Shipping". If you have any "Gift Card" or "Discount Code" you can enter that code and click apply to avail it.

Step 4: Select your shipping method and proceed to payment page by clicking "Continue to Payment".

Step 5: Now, to avail EMI, select "Cards, Netbanking, Wallets and UPI" option and then click "Complete Order". 

You'll be redirected to our Payment Gateway provider Razorpay's page.

Step 6: Select "EMI via Credit and Debit Cards" option.

Step 7: If you're new user, a OTP will be dispatched from Razorpay to verify your mobile number. Enter the OTP and click Verify.

If you've already purchased with us and saved the card details means, you can select "Skip Saved Cards" and proceed to next step.

Step 8: Enter your Card Details and then Click "View EMI Plans" to see all the plans for your card.
You can also view EMI plans for other cards as well. To do that click "View All EMI Plans".

Step 9: Finally, select the required EMI plan and proceed to complete the payment.

When the customers complete the payment on the Checkout, the entire transaction amount is authorized by the customer's issuing bank and converted into EMIs within 3-4 days, depending on the payment terms agreed with the credit card provider.

Please stay in touch with us for future assistance on EMIs.

Frequently Asked Questions on EMI

EMI Tenure

EMI Terms & Conditions

  • Issuer bank’s credit card holder, at the time of making payment for products purchased from merchant, through services of our Payment Processor(s) may opt for cards EMI based purchase.
  • At the time of transaction, issuer banks’ credit card holders’ card are charged in full amount by the acquiring bank of our Payment Processor(s)
  • The merchant shall endeavour to deliver the product/service only after receiving a confirmation from the customer that said transaction has been converted into EMI
  • Our Payment Processor(s) shall send details of the settled transactions for conversion to EMI along with its complete details, not later than 2 business days from the date of transaction to card issuing bank.
  • The transactions shall be converted to EMI transactions in offline mode
  • The issuer bank shall endeavour to convert all transactions approved by them to EMI within 5 business days.
  • An EMI calculator needs to be available on the website before the payment page to explain the EMI calculation to the end customer and assist the customer in taking an informed decision
  • The issuing bank may modify the terms of the EMI offering at any time. Further, the issuing bank may at its sole discretion chose to reject or change EMI tenure (basis customer history, amount of transaction) or withdraw EMI scheme completely.
  • Our Payment Processor(s) shall not be responsible to the merchant of the issuer banks credit cardholder for any disputes arising due to non-conversion of a transaction to EMI or informing the merchant about EMI rejection. The customer will have to inquire about the status of their EMI request from their issuing bank.