Clarification on HDFC No-Cost EMI for Flight Booking

[Maitri Maniya]

I’m planning to book a flight ticket from Bangalore to Surat using HDFC No-Cost EMI, which offers a ₹1000 instant discount.

I want to know:

1. Are there any additional charges like processing fees, interest, or GST included with No-Cost EMI?
2. Can I cancel the EMI within 1-2 days if needed? What would be the refund process in such a case?
3. How much extra would I need to pay overall if I choose No-Cost EMI with my HDFC credit card?

 

[nikhilchauhan]

Upfront processing fees will be there. Extra GST will be charges on the interest every month. Though it might be just a small but these charges will still be there. About flight cancellation & refund, you need to check with airlines policy.

 

[Maitri Maniya]

Upfront processing fees will be there. Extra GST will be charges on the interest every month. Though it might be just a small but these charges will still be there. About flight cancellation & refund, you need to check with airlines policy.

Sorry. i mean EMI cancellation.

 

[arjungoyal12]

Most of the bank refund any processing charges in this case. You can call the bank and ask them about it if they don't do it. Any payment debited will be credited with 4 working days. When you cancel the transaction, you can call banks and let them know