{"id":25662029,"date":"2026-10-06T16:36:48","date_gmt":"2026-10-06T11:06:48","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25662029"},"modified":"2026-10-06T16:36:48","modified_gmt":"2026-10-06T11:06:48","slug":"amazon-flipkart-festive-sales-pay-upfront-emi-loan","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/","title":{"rendered":"Amazon Great Indian Festival &#038; Flipkart Big Billion Days: Is It Better to Pay Upfront, Take a Loan or Use EMI?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6ac4f042575be\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6ac4f042575be\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#Amazon_Great_Indian_Festival_vs_Flipkart_Big_Billion_Days_2026_Dates_and_Offers\" >Amazon Great Indian Festival vs Flipkart Big Billion Days 2026: Dates and Offers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#The_Three_Ways_to_Pay_Explained_Simply\" >The Three Ways to Pay, Explained Simply<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#Total_Cost_Comparison_%E2%82%B950000_Smartphone\" >Total Cost Comparison: \u20b950,000 Smartphone<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#What_does_%E2%80%9CNo_Cost_EMI%E2%80%9D_Really_Cost_You\" >What does &#8220;No Cost EMI&#8221; Really Cost You?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#Reward_Caps_in_2026_The_Check_Most_Shoppers_Skip\" >Reward Caps in 2026: The Check Most Shoppers Skip<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#When_Upfront_Wins_and_When_EMI_Makes_Sense\" >When Upfront Wins and When EMI Makes Sense<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#Step-by-Step_Pick_Your_Payment_Mode_in_Five_Minutes\" >Step-by-Step: Pick Your Payment Mode in Five Minutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/amazon-flipkart-festive-sales-pay-upfront-emi-loan\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p>For most shoppers, paying upfront with an eligible bank card is the cheapest way to buy during the 2026 festive sales, as long as it does not eat into your emergency savings.<\/p>\n<p>EMIs and loans do make big purchases easier to manage. But they add GST on interest, processing fees and often cost you card rewards.<\/p>\n<p>On a \u20b950,000 phone, the same device can cost about \u20b945,000 upfront, roughly \u20b947,600 on a credit card EMI and around \u20b953,200 on a six-month personal loan.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/?utm_source=stock-marketing&amp;utm_medium=blog_referral&amp;utm_campaign=kerala-free-onam-kit-distribution\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri\u2019s Personal Finance Online Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Upfront wins on pure cost<\/strong>. Full payment avoids interest, fees and future liability.<\/li>\n<li>\u201c<strong>No Cost EMI<\/strong>\u201d is not free. 18% GST on interest and processing fees can still apply,<\/li>\n<li><strong>EMI can quietly cost you rewards<\/strong>. Many cards exclude EMI from cashback and points.<\/li>\n<li><strong>Personal loans are the costliest route<\/strong> \u2013 interest, processing fees and GST add up fast.<\/li>\n<li><strong>Check your card\u2019s cap before checkout<\/strong>. SBI Cashback\u2019s 5% online cashback stops at \u20b92,000 per cycle (\u20b940,000 spend).<\/li>\n<li><strong>Protect your safety net<\/strong>. Keep a 3 to 6 month emergency fund and total EMIs within ~35% to 40% of take-home pay.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Amazon_Great_Indian_Festival_vs_Flipkart_Big_Billion_Days_2026_Dates_and_Offers\"><\/span><strong>Amazon Great Indian Festival vs Flipkart Big Billion Days 2026: Dates and Offers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25662039 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/Flipkart-Big-Billion-Days-2026.webp\" alt=\"Big Billion Days\" width=\"451\" height=\"253\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/Flipkart-Big-Billion-Days-2026.webp 415w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/Flipkart-Big-Billion-Days-2026-300x168.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/Flipkart-Big-Billion-Days-2026-150x84.webp 150w\" sizes=\"auto, (max-width: 451px) 100vw, 451px\" \/><\/p>\n<p>Amazon&#8217;s Great Indian Festival begins on October 8, 2026, and Flipkart&#8217;s Big Billion Days opens to everyone on October 9.<\/p>\n<p>Amazon&#8217;s Early Deals have been live since September 25, and Prime members are widely reported to get 24-hour early access from October 7. However, that detail is not part of Amazon&#8217;s official announcement.<\/p>\n<p>Flipkart gives early access on October 8 to Plus, VIP and Black members and Flipkart credit card holders.<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Feature<\/strong><\/td>\n<td><strong>Amazon Great Indian Festival<\/strong><\/td>\n<td><strong>Flipkart Big Billion Days<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Main sale date<\/td>\n<td>October 8, 2026<\/td>\n<td>October 9, 2026<\/td>\n<\/tr>\n<tr>\n<td>Early access<\/td>\n<td>Prime early access reported from Oct 7<\/td>\n<td>Oct 8 for Plus, VIP, Black and Flipkart credit card holders<\/td>\n<\/tr>\n<tr>\n<td>Headline bank offer<\/td>\n<td>10% instant discount on SBI credit and debit cards, including credit card EMI<\/td>\n<td>Up to 10% instant discount on select Axis Bank and ICICI Bank cards<\/td>\n<\/tr>\n<tr>\n<td>Other payment perks<\/td>\n<td>Amazon Pay ICICI card: 5% cashback for Prime members, 3% for others; Amazon Pay Later: pay in 3 interest-free EMIs on carts of \u20b91,500 and above<\/td>\n<td>Flipkart Pay Later: credit up to \u20b91 lakh with No Cost EMI and flat \u20b9500 off<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>One Amazon offer page has also listed a 10% instant discount on eligible HDFC Bank credit cards. So confirm your card on the product page.<\/p>\n<p>Discount caps and minimum order values were not fully published at the time of writing. So read the offer terms before you add anything to the cart.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Three_Ways_to_Pay_Explained_Simply\"><\/span><strong>The Three Ways to Pay, Explained Simply<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Upfront payment<\/strong> means paying the net price after the bank discount in one go: no debt, and the full instant discount.<\/p>\n<p><strong>Credit Card EMI (including No Cost EMI)<\/strong> splits the price into monthly installments, typically over 3 to 12 months. Standard card EMIs carry interest of roughly 13% to 18% a year.<\/p>\n<p><strong>A personal or consumer durable loan<\/strong> gives you a lump sum to spend anywhere. Banks currently quote rates from about 10.8% to 24% a year depending on your profile. There is an additional processing fee and GST on it.<\/p>\n<p><span style=\"color: #333333; font-size: 15px;\"><div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\"><\/span><\/p>\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download PERSONAL FINANCE course roadmap<\/button><\/p>\n<\/a><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Total_Cost_Comparison_%E2%82%B950000_Smartphone\"><\/span><strong>Total Cost Comparison: \u20b950,000 Smartphone<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here is what the same phone costs under each payment mode. The figures are illustrative. So swap in your own price, card and tenure.<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Payment mode<\/strong><\/td>\n<td><strong>Net price<\/strong><\/td>\n<td><strong>Interest and fees (approx.)<\/strong><\/td>\n<td><strong>Total outflow (approx.)<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Upfront, 10% instant discount<\/td>\n<td>\u20b945,000<\/td>\n<td>\u20b90<\/td>\n<td>\u20b945,000<\/td>\n<\/tr>\n<tr>\n<td>Credit card EMI, 6 months, with 10% discount<\/td>\n<td>\u20b945,000<\/td>\n<td>\u20b91,990 interest + \u20b9358 GST + \u20b9235 fee<\/td>\n<td>\u20b947,580<\/td>\n<\/tr>\n<tr>\n<td>No Cost EMI, 6 months, no instant discount<\/td>\n<td>\u20b950,000<\/td>\n<td>\u20b9398 GST on interest + \u20b9235 fee<\/td>\n<td>\u20b950,630<\/td>\n<\/tr>\n<tr>\n<td>Personal loan, 6 months<\/td>\n<td>\u20b950,000<\/td>\n<td>\u20b92,060 interest + \u20b91,180 fee with GST<\/td>\n<td>\u20b953,240<\/td>\n<\/tr>\n<tr>\n<td>Personal loan, 12 months<\/td>\n<td>\u20b950,000<\/td>\n<td>\u20b93,870 interest + \u20b91,180 fee with GST<\/td>\n<td>\u20b955,050<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Assumptions:\u00a0<\/strong><strong>Card EMI <\/strong>at 15% a year with a \u20b9199 + GST processing fee. No Cost EMI where the merchant discount equals the interest, with the instant bank discount not applied. It often cannot be combined. So check at checkout.<\/p>\n<p><strong>Personal loan <\/strong>at 14% a year with a 2% processing fee plus GST. The \u20b945,000 net price assumes the discount cap is not reached. Rewards you lose on EMI are extra.<\/p>\n<p>If you pay for the product with an eligible debit card using borrowed money, the instant discount can still apply. Also, the loan route drops to about \u20b947,900. Even then, it stays costlier than paying upfront.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_does_%E2%80%9CNo_Cost_EMI%E2%80%9D_Really_Cost_You\"><\/span><strong>What does &#8220;No Cost EMI&#8221; Really Cost You?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>No Cost EMI means the seller or bank absorbs the interest through an upfront discount. However, the bank still books that interest in the background.<\/p>\n<p>Because of that, 18% GST is charged on the interest portion. You will have to pay it out of your own pocket. Many banks also add a one-time processing fee. This is often a few hundred rupees plus GST.<\/p>\n<p>The result is a small but real cost. Roughly \u20b9400 to \u20b9650 on a \u20b950,000 purchase over six months.<\/p>\n<p>The bigger leak is usually lost rewards. This is since many card issuers exclude EMI transactions from cashback and points.\u00a0Your credit limit is also blocked for the whole tenure. This can push up your credit utilisation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Reward_Caps_in_2026_The_Check_Most_Shoppers_Skip\"><\/span><strong>Reward Caps in 2026: The Check Most Shoppers Skip<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25662040 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026.webp\" alt=\"Great Indian Festival\" width=\"501\" height=\"282\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026.webp 2000w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026-300x169.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026-1024x576.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026-768x432.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026-1536x864.webp 1536w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026-150x84.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026-750x422.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/10\/great-indian-festival-2026-1140x641.webp 1140w\" sizes=\"auto, (max-width: 501px) 100vw, 501px\" \/><\/p>\n<p>A card&#8217;s headline cashback rate matters less than its monthly cap. From April 1, 2026, the SBI Cashback Card replaced its old \u20b95,000 combined cap with two limits:<\/p>\n<ol>\n<li>\u20b92,000 on online spends at 5%<\/li>\n<li>\u20b92,000 on offline spends at 1%<\/li>\n<\/ol>\n<p>Both for a \u20b94,000 maximum per statement cycle. In practice, 5% online cashback now stops at \u20b940,000 of eligible online spend.<\/p>\n<p>For festive shoppers, three habits follow from this:<\/p>\n<ul>\n<li><strong>Put your largest eligible purchase on the card first,<\/strong> so small add-ons do not use up the cap.<\/li>\n<li><strong>Treat lost cashback as a cost<\/strong> when comparing EMI with upfront, for example 5% of \u20b940,000 is \u20b92,000.<\/li>\n<li><strong>Check exclusions.<\/strong> Utilities, rent, wallet loads and, on some cards, gaming, tolls and government payments often earn nothing.<\/li>\n<\/ul>\n<p>Amazon advertises the Amazon Pay ICICI card&#8217;s 5% (Prime) or 3% (non-Prime) cashback as unlimited, a useful fallback when no bank instant discount applies.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_Upfront_Wins_and_When_EMI_Makes_Sense\"><\/span><strong>When Upfront Wins and When EMI Makes Sense<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h5><strong>Pay upfront if:<\/strong><\/h5>\n<ul>\n<li>You can pay without touching your 3 to 6 month emergency fund.<\/li>\n<li>The full-payment route gives a bigger discount or cashback than the EMI route.<\/li>\n<li>You want to keep your card limit free for other purchases.<\/li>\n<\/ul>\n<h5><strong>Choose EMI or a loan if:<\/strong><\/h5>\n<ul>\n<li>The item is essential and cash flow is tight.<\/li>\n<li>The EMI is genuinely interest-free, such as Amazon Pay Later&#8217;s 3-month option. The fees are zero or negligible.<\/li>\n<li>Your total EMIs stay within roughly 35% to 40% of take-home pay.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/?utm_source=stock-marketing&amp;utm_medium=blog_referral&amp;utm_campaign=kerala-free-onam-kit-distribution\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri\u2019s Personal Finance Online Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Step-by-Step_Pick_Your_Payment_Mode_in_Five_Minutes\"><\/span><strong>Step-by-Step: Pick Your Payment Mode in Five Minutes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Shortlist the exact model<\/strong> on both platforms.<\/li>\n<li><strong>Apply your bank offer<\/strong> and note the net price.<\/li>\n<li><strong>Toggle between full payment and EMI<\/strong> at checkout and note the change in discount and fees.<\/li>\n<li><strong>Add up the true outflow:<\/strong> price \u2212 discounts + interest + GST + fees + lost rewards.<\/li>\n<li><strong>Decide using that number,<\/strong> not the monthly instalment.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The smartest festive purchase is the one that keeps your total outflow lowest. That too without straining your monthly budget.<\/p>\n<p>If you can afford it comfortably, the obvious choice is paying upfront with the right bank card. Simply let the instant discount do the work.\u00a0If you need some breathing room, then you should go for a short, genuinely low-cost EMI. This would be a fair compromise.<\/p>\n<p>A personal loan should be your last resort.\u00a0Before the sales begin, shortlist your products. Pick your card and run the numbers once. A few minutes of calculations can save thousands of rupees.<\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong> The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><b>RELATED POSTS<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/best-credit-cards-for-online-shopping\/\" target=\"_blank\" rel=\"noopener\"><b>Best Credit Cards For Online Shopping<\/b><\/a><b>\u00a0<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/flipkart-big-billion-day\/\" target=\"_blank\" rel=\"noopener\"><b>Flipkart Big Billion Days 2026: A Masterclass in Digital Marketing Strategy<\/b><\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/diwali-shopping-in-10-minutes-how-quick-commerce-changed-festive-buying-habits-in-india\/\" target=\"_blank\" rel=\"noopener\"><b>Diwali Shopping in 10 Minutes: How Quick Commerce Changed Festive Buying Habits in India<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/mdr-on-upi-what-consumers-and-merchants-need-to-know\/\" target=\"_blank\" rel=\"noopener\"><b>MDR On UPI: What Consumers and Merchants Need to Know?<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"modal\" id=\"modal25556854\"><div class=\"modal-content\"><span class=\"close-button\">&times;<\/span>\n<div>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f25556854-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"25556854\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/25662029#wpcf7-f25556854-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" 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EMIs and loans do make big purchases easier to manage. But they add GST on interest, processing fees and often cost you card [&hellip;]<\/p>\n","protected":false},"author":132,"featured_media":25662034,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[],"class_list":["post-25662029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Amazon Great Indian Festival &amp; Flipkart Big Billion Days: Pay Upfront, Take a Loan or Use EMI?<\/title>\n<meta name=\"description\" content=\"Amazon Great Indian Festival (Oct 8) and Flipkart Big Billion Days (Oct 9) 2026. 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