EMI (CC/ DC ) is a convenient payment option that you can choose to pay for the order in easy installments to the credit card/ debit card issuing bank. The option is available on the Cards issued by one or more of the following banks:

This EMI option is facilitated by the card issuing bank. The EMI eligibility, payment plan and refund rules are solely on the internal discretion and approvals of the bank.

Add the desired products to your Nykaa shopping bag, proceed to checkout, select delivery address and proceed to payment page. On payment page, select EMI under payment options and follow these simple steps:

The order will be confirmed and shipped on successful payment.

All products at Nykaa are currently eligible for EMI option, provided that the Cart Value is above a minimum threshold (Rs 4000). For a given order value, only the eligible banks will be displayed under the issuing bank list on the EMI payment page.

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. Certain banks can charge additional nominal processing fees as well, which is mentioned at the time of the payment.

The bank does not charge any interest on a No Cost EMI transaction. However, in the payment summary there’s an interest component mentioned against the EMI tenure and the corresponding amount is adjusted as Discount. So the customer has to pay only the purchased order value and no additional interest.

Customer needs to pay the full amount of the transaction to the bank, since the EMI facility is at sole discretion of the issuing bank, please contact your card issuing bank.

Please retry making the payment after ensuring that the information entered is accurate, including all account details, billing addresses and passwords. If your payment still fails, you can use the Cash on Delivery (COD) payment option, if available on the payment page to place your order. If your payment is debited from your account after a payment failure, it will be credited back within 7-10 days, after we receive a confirmation from the bank.

Yes. You can buy any number of products and avail No Cost EMI on products eligible for No Cost EMI. The discount will be calculated only on the eligible items.

EMI is available only on purchases above INR 3,000. As long as you are purchasing for products more than 3,000 you can avail No Cost EMI on eligible products in the cart.

Yes, your bank will charge you interest. However, the interest to be charged by the bank will be provided to you as an upfront discount at the time of your purchase, effectively giving you the benefit of a No Cost EMI. This discount excludes GST on the interest amount that will be charged by your bank.

For your EMI purchases using Credit Card & Debit Card options, your bank will continue to charge you interest on the order value. However, under a no cost EMI offer, the total interest amount payable by you, has already been adjusted from the price of your order.

The total amount (including interest) that you will pay to the bank will be equal to the price of the product.

Banks usually take 2-4 days to process the EMI. It will initially deduct the whole amount from your credit/debit card and within 2-4 days, the entire amount excluding any down payment amount will be credited back to your card and converted into EMI.

If your initial payment had failed and you had to revise your payment, please check if you had selected the EMI option and tenure again while making the payment. You can check details under Your Orders> View Order Details> Payment Information.

For purchases on EMI using credit cards / debit cards: If you want to close your EMI earlier, please contact your bank. You might have to pay some foreclosure charges according to the bank's policy.

If you cancel or return an order purchased on EMI using credit cards / debit cards, Nykaa will refund the entire purchase amount to your card immediately and the EMI will be cancelled from Nykaa's end. Any down payment amount you paid using your credit card will be refunded to you within 5-7 business days by Nykaa. You will then need to contact your bank to confirm the cancellation at their end.