We all desire to own various appliances and gadgets to make our lives more comfortable and convenient. However, many premium products come with hefty price tags that burn a deep hole in our pockets, often deterring us from acquiring our dream purchases.
Thankfully, most banks today offer the EMI facility on credit cards that splits the total cost of big-ticket items into easy monthly installments. While the interest rates are usually higher than normal credit card rates, EMIs allow you to buy expensive items that would otherwise remain beyond your reach.
So, if you have been putting off buying much-needed home appliances or entertainment systems, it’s time to relook at your plans. Here are some of the top products you can acquire on EMIs using your credit card:
Ovens
A good oven is a valuable addition to any modular kitchen. It vastly improves cooking convenience and lets you easily prepare various dishes. Premium ovens from reputed brands are packed with features but are very costly. Instead of compromising on quality due to budget issues, you can opt for EMI credit card. By paying for your oven in installments of 12-24 months, you can spare your monthly income and still own a feature-rich convection, microwave or multi-fuel oven.
Water Heaters
In most parts of India, a water heater is not a luxury but an essential need. From quick hot water to bathe during winter mornings to using hot water for various cleaning jobs, a good water heater improves the quality of life. Today, heaters come in storage, instant heating and multi-functional avatars with useful features. Five-star rated storage water heaters with large tank capacity and anti-bacterial protection may cost ₹15,000 or more. By choosing credit card EMIs, you can pay for such expensive water heaters in easy bites without burning a hole in your pocket.
Dishwashers
Cleaning greasy, oily utensils after lavish family meals can be tedious. This makes dishwashers a perfect addition for convenience. However, premium dishwashers are an expensive affair. Top dishwasher models today come with useful features like adjustable racks, low water and energy consumption and various wash programs for optimal cleaning. Instead of manually washing piles of dirty utensils, you can opt for no-cost credit card EMI to purchase an advanced dishwasher. This spreads the total appliance cost over 12-15 easy monthly payments.
Room Heaters
Many Indian homes need room heaters to remain cosy during harsh winter months. Basic heaters may not provide enough heating and consume a lot of energy. Premium infrared or convection room heaters with features like adjustable thermostats, overheating protection, remote operation, etc., provide optimal heating with lower energy bills in the long run. The catch is their steep price tags. By choosing credit card EMIs, you don’t have to settle for a basic sub-par heating solution due to money crunch. You can pay for an energy-efficient room heater in installments and stay comfortably warm even on freezing winter nights.
Beverage Machines
Who doesn’t love enjoying piping hot beverages like coffee and chocolate in the comfort of their home? Premium automatic beverage machines whip up cafe-style drinks with minimum manual effort. However, they may typically cost upwards of ₹20,000, which is beyond most budgets. Beverage machines also allow you to save money on daily expensive cafe bills in the long run. Hence, you shouldn’t deprive your family of this helpful appliance due to monetary constraints. Just opt for credit card with emi option to transform easy installments into your own personal at-home machine!
The Bottom Line
Credit card EMIs allow us to finally acquire those premium appliances and gadgets that were once beyond our reach. By splitting costs into easy monthly installments, we can upgrade our lifestyles without exhausting monthly incomes. So shed your inhibitions and bring home that smart oven, stylish heater or cafe-style beverage maker you constantly desired. With wise EMI financing, dream purchases are now genuinely affordable.
Moreover, The IDFC Swyp credit card takes your shopping experience to the next level by offering easy EMI options on all your purchases, including premium gadgets and home appliances. Whether it’s the latest smart oven, a designer heater, or a top-tier coffee machine, the IDFC Swyp credit card allows you to break down hefty bills into manageable monthly installments.
