EMI (Equated Monthly Installments) Policy
At EERNA Ltd., we offer easy and convenient EMI options to help you purchase your favorite tech products. Below are the details of our EMI policy, which outlines the terms and conditions to guide you through the process.
1. Eligible Banks and EMI Rates
We have partnered with several leading banks to provide competitive EMI rates. The interest rates vary depending on the tenure of the installment. Please find the available EMI plans below:
| Month | Brac Bank | City Bank | Dutch Bangla | EBL | Meghna Bank | NRB Bank | Lanka Bangla | Modhumoti Bank Ltd | UCBL | AB Bank |
|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 3% | 3% | 2.50% | 3% | 2% | 2% | 3% | 2% | 2% | 3% |
| 6 | 4% | 5% | 4% | 4% | 3% | 4% | 4.50% | 3% | 4% | 5.50% |
| 9 | 6% | 6% | 6% | 5% | 5% | 5% | 6% | 4% | 6% | 6.50% |
| 12 | 8% | 8% | 7% | 7% | 6% | 6% | 7.50% | 5% | 8% | 8% |
2. Eligibility
● EMI is available for purchases made with credit cards from the above-listed banks.
● Minimum purchase amount for EMI eligibility is BDT 15,000.
● The maximum EMI duration is 12 months.
● Discounted prices or special offers will not be applicable for EMI purchases. The EMI option is only available at Regular Price on our website.
3. Process for Availing EMI
● During checkout, select the “EMI” option.
● Choose your preferred bank and tenure.
● Complete the payment using your eligible credit card.
● The EMI conversion will be processed by your bank, and monthly deductions will be made automatically.
4. Terms & Conditions
● The EMI interest rates mentioned above are applicable for the specified tenure. Banks may charge additional fees depending on their internal policies.
● Processing time for EMI approval and conversion depends on the issuing bank. EERNA Ltd. is not responsible for delays from the bank's side.
● Early settlement or cancellation of the EMI plan may incur additional charges or interest penalties as per the bank’s terms.
● Once the EMI plan is confirmed, the transaction cannot be modified or canceled.
● In the event of any discrepancy between the price of a product on our website due to technical issues and the current market price, EERNA Ltd. reserves the right to update or correct the price as needed. Furthermore, EERNA Ltd. may cancel the order.
5. Order Confirmation
● To confirm an order made via the EMI option, customers must call our support