Use your pre-approved limit to buy everything on EMI Available across 14,000+ partner stores & 200+ shopping websites: Why avail Smart EMI on your Kotak Debit Card? Pay in small instalments instead of full amount upfront No Cost EMI* means paying only what the price tag says Decide when you will repay with instalments of 3, 6, 9 and 12 months Enjoy exciting offers applicable on the best-in-class brands Various Smart EMI payment options to choose from: Instant In-store EMI: At any partner store, simply ask for the Kotak store representative. Net Banking EMI: Opt for EMI while transacting. Debit Card EMI: Choose the EMI option every time. Smart EMI Card: Easy repayments with the card that gives you everything on EMI. OR You can also convert your Kotak Debit Card transactions into Smart EMI. Look out for our SMS after the transaction. Visit: Your Nearest Store | Partner Website *Terms and conditions apply. Interest cost on the facility provided is borne by the respective merchants. Credit at sole discretion on Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time.