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  • 1.Credit Cards & Debit Cards
    • We accept VISA, MASTER, RUPAY, AMERICAN EXPRESS and DINERS Credit Cards issued in India and we accept Debit cards of all banks issued in India. International credit/debit card transactions are also accepted.

      Firstcry.com is committed to provide you safe way of transacting online. All your transactions online are protected & secured by SSL (secure socket layer) technology from GoDaddy.com. It encrypts your credit card and relevant information during the entire transaction process. This encryption makes your shopping experience safe and secure.

      All Credit card and Debit card payments on Firstcry are processed through secure and trusted payment gateways managed by leading Indian banks and payment gateway service providers. Firstcry uses latest 256-bit encryption technology to protect your card information while securely transmitting it for processing the payment.

      Firstcry does not store Credit / Debit card numbers, CVV / Security Code, Pin for 3D Secure, Expiry date on any of its servers and only collects in a session while making a transaction. The said information may however be stored by Risk Management / Fraud Management Systems of banks/payment gateways with authority to do so. Risk Management / Fraud Management Systems are used for ensuring that payment card frauds are kept to minimum and all necessary information regarding payment cards is secure for you, us and the payment card industry.
  • 2.EMI Payment Option
    • EMI stands for 'Equated Monthly Installment' and this option gives you the flexibility to convert your credit card or debit card purchases to monthly installments. With EMI you can pay for your order in monthly installments over a period (depending on the tenure and bank selected) instead of paying all at once. For Example, if you have purchased a product worth 6000 on 3 months EMI then your monthly installment would be Rs. 2000 (+ interest) each spread across 3 months.

      POINTS TO BE NOTED

      1. FirstCry reserves the right to stop extending EMI services at any point without any prior intimation.
      2. Not all services mentioned in the Terms and Conditions may be available at all times.
      3. For displaying Debit Card EMI options, eligibility of the mobile number registered with your FirstCry account is pre-checked by banks. Only customers who are eligible for the Debit Card EMI are shown the Debit Card EMI options.
  • 3.Supported Credit/Debit Cards for EMI and Tenure Options for EMI Payments
    • EMI schemes are currently available for the Credit and Debit Cards of the following banks.

      Credit Card EMI Banks Debit Card EMI Banks
      CITI EMI KOTAK DC EMI
      AMEX EMI AXIS DC EMI
      HDFC EMI HDFC DC EMI
      Axis EMI BOB DC EMI
      Kotak EMI Federal DC EMI
      ICICI EMI ICICI DC EMI
      SBI EMI SBI DC EMI
      INDUSIND EMI
      HSBC EMI
      RBL EMI
      STANC EMI
      YES EMI
      BOB EMI
      AUSF EMI
      ONECARD EMI
      IDFC EMI
      IDBI EMI

      For Credit Cards, EMI schemes are available with the option to pay in 3, 6, 9, 12, 18*, 24* or 36* months

      *18, 24 and 36 months EMI options are available from select banks only. Please refer to the table below for more details:

      Bank Name 18 Months 24 Months 36 Months
      CITI EMI Yes Yes No
      AMEX EMI No No No
      HDFC EMI Yes Yes No
      Axis EMI Yes Yes No
      Kotak EMI Yes Yes Yes
      ICICI EMI Yes Yes No
      SBI EMI Yes Yes No
      INDUSIND EMI Yes Yes No
      HSBC EMI Yes Yes No
      RBL EMI Yes Yes No
      STANC EMI Yes Yes No
      YES EMI Yes Yes No
      BOB EMI Yes Yes Yes
      AUSF EMI Yes Yes No
      ONECARD EMI Yes Yes No
      IDFC EMI Yes Yes Yes
      IDBI EMI Yes No No

      For Debit Card, EMI schemes are available with the option to pay in 1*,2*,3*, 6*, 9, 12, 18*or 24* months

      *1,2,3, 6, 18 or 24 months EMI options are available from select banks only. Please refer to the table below for more details:

      Bank Name 1 Months 2 Months 3 Months 6 Months 18 Months 24 Months
      KOTAK DC EMI Yes Yes Yes Yes No No
      AXIS DC EMI No No Yes Yes Yes Yes
      HDFC DC EMI No No Yes Yes Yes No
      BOB DC EMI No No No No Yes No
      Federal DC EMI No No Yes Yes No No
      ICICI DC EMI No No Yes Yes No No
      SBI DC EMI No No No Yes Yes No

  • 4.Minimum Order Value to Qualify for EMI
    • FirstCry.com provides the EMI payment option on all purchases worth Rs 3000 and above made on applicable Credit / Debit Cards.

      In addition to the minimum order value condition of FirstCry.com, some banks may also have different minimum order value conditions to qualify for EMI services and / or specific tenures. Please check the table below for more details

      Bank Name Minimum Amt.
      AMEX EMI INR 5000
      KOTAK DC EMI 3 months-INR 3000
      6 months-INR 5000
      9 & 12 months-INR 8000
      AXIS DC EMI INR 5000
      HDFC DC EMI INR 5000
      BOB DC EMI INR 4000
      Federal DC EMI INR 5000
      ICICI DC EMI INR 5000
      SBI DC EMI INR 8000

      The EMI facility is not available on purchase of Gift Certificates or Guaranteed Savings offers from FirstCry.com.
  • 5.EMI Processing/Convenience Charges
    • FirstCry.com does not charge any customer any processing or convenience fee for the purpose of facilitating the EMI facility. However, customers may be charged a processing /convenience fee by their banks. Please refer to the table below for details on the same. Please note that the charges may be different from the ones mentioned in the table and that the given table may / may not contain the additional charges for all EMI offerings, as the details given are just for reference and subject to updation. Customers are advised to check their bank/card statement for information pertaining to charges.

      FirstCry will not be responsible in any manner whatsoever in view of applicability of processing or convenience fee or any other fee(s) as charged/levied by including any default/discrepancy in adhrence to the Bank's terms and conditions for availing EMI facility, furthermore, customers shall practice their own discretion in view of any charges levied by the Bank including applicability of terms and conditions for availing EMI facility from the concerned Bank.

      ICICI CC EMI : Rs. 199
      RBL CC EMI : Rs. 199
      BOB CC EMI : Rs. 199
      ICICI DC EMI : Rs. 99
      SBI CC EMI 6 Months Tenure : Rs. 99
      SBI CC EMI 9 Months Tenure: Rs. 99
      SBI CC EMI 12 Months Tenure: Rs. 99
      SBI CC EMI 18 Months Tenure: Rs. 199
      SBI CC EMI 24 Months Tenure: Rs. 199
      KOTAK DC EMI: Rs. 199
      AUSF CC EMI: Rs. 199
      YES CC EMI: 1 percent

      Below is the list of banks for which process fee amount is calculated basis transaction amount and min/max constraints:

      IDFC: 1%
      AXIS DC EMI: 1%
  • 6.Bank interest rates and calculation
    • RBI has mandated banks to take a nominal charge on EMI services. This charge will be collected by banks over the EMI tenure Note: This charge is collected by Issuing Bank and not by the merchant.

      This is an annual charge and is calculated on the outstanding balance. You will see this charge in the monthly bill cycle as defined by the bank.

      Below table shows the annual rate of interest basis the EMI tenure on reducing balance.

      Please note that the interest rates may be different from the ones mentioned in the table as the details given are just for reference and subject to updation. Customers are advised to check with their banks for more information.
      Rate of Interest (% per annum)
      Bank Name (Tenure in Months) 1 2 3 6 9 12 18 24 36
      CITI EMI - - 13.00% 13.00% 15.00% 15.00% 15.00% 15.00% -
      AMEX EMI - - 14.00% 14.00% 14.00% 14.00% - - -
      HDFC EMI - - 16.00% 16.00% 16.00% 16.00% 16.00% 16.00% -
      Axis EMI - - 14.00% 14.00% 15.00% 15.00% 16.00% 16.00% -
      Kotak EMI - - 13.00% 13.00% 14.00% 14.00% 15.00% 15.00% 18.00%
      ICICI EMI - - 14.99% 14.99% 14.99% 14.99% 14.99% 14.99% -
      SBI EMI - - 14.00% 14.00% 14.00% 14.00% 15.00% 15.00% -
      INDUSIND EMI - - 14.00% 14.00% 15.00% 15.00% 15.00% 15.00% -
      HSBC EMI - - 13.00% 13.00% 14.50% 14.50% 15.00% 15.00% -
      RBL EMI - - 14.00% 14.00% 15.00% 15.00% 15.00% 15.00% -
      STANC EMI - - 11.88% 13.00% 14.00% 14.00% 15.00% 15.00% -
      YES EMI - - 14.00% 14.00% 14.00% 15.00% 15.00% 15.00% -
      BOB EMI - - 13.00% 13.00% 13.00% 13.00% 15.00% 15.00% 15.00%
      AUSF EMI - - 14.00% 14.00% 14.00% 14.00% 14.00% 14.00% -
      ONECARD EMI - - 16.00% 16.00% 16.00% 16.00% 16.00% 16.00% -
      IDFC EMI - - 14.00% 14.00% 14.00% 14.00% 14.00% 14.00% 14.00%
      IDBI EMI - - 13.00% 13.00% 13.00% 13.00% 13.00% - -
      KOTAK DC EMI 19.00% 19.00% 19.00% 19.00% 19.00% 19.00% - - -
      AXIS DC EMI - - 14.00% 14.00% 16.00% 16.00% 16.00% 16.00% -
      HDFC DC EMI - - 16.00% 16.00% 16.00% 16.00% 16.00% - -
      BOB DC EMI - - - - 16.00% 16.00% 16.00% - -
      Federal DC EMI - - 15.00% 15.00% 15.00% 15.00% - - -
      ICICI DC EMI - - 16.00% 16.00% 16.00% 16.00% - - -
      SBI DC EMI - - - 15.75% 15.75% 15.75% 15.75% - -
  • 7.EMI Cancellations and charges
    • In case a customer wants to cancel or return the items purchased on EMI, Firstcry will help facilitate the refund between the bank and customers as per the relevant refund policy. The customer is advised to check with the respective bank offering the EMI facility for any charges being levied on the customer on pre-closure or on cancellation of EMI transaction.

      Customers may check with the respective bank/issuer on how a cancellation, refund or pre-closure could affect the EMI terms, and what interest charges would be levied for the same.

      On return or exchange, interest charged by the bank till that time will not be refunded by FirstCry. Customers are advised to contact their respective banks regarding the same.

      While FirstCry.com supports partial / full cancellation and refund on all EMI orders, as per the relevant cancellation and refund policy pertaining to the specific order, some banks may / may not support partial refunds. In these scenarios, while the refund may be processed from FirstCry, the refund would not impact the EMI schedule for the original transaction. The customer's EMI payment would continue as is. To get the EMI schedule revised or cancelled customers are advised to reach out to their issuer banks.

      Please note that the information given here is just for reference and subject to updation. In case of any discrepancy, customers are advised to contact their respective banks.

      Banks that support partial refund on Debit Card EMI
      Bank Name Full Refund Partial Refund
      Axis Bank Yes Not Allowed
      Bank of Baroda Yes Yes
      Federal Bank Yes Yes
      HDFC Bank Yes Yes
      ICICI Bank Yes Not Allowed
      Kotak Bank Yes Yes
      State Bank of India Yes Not Allowed

      Banks that support partial refund on Credit Card EMI

      Bank Name Full Refund Partial Refund
      American Express Yes Yes
      AU Small Finance Bank Yes Yes
      Axis Bank Yes Yes
      Bank of Baroda Yes Yes
      CITI Bank Yes Yes
      HDFC Bank Yes Yes
      HSBC Bank Yes Yes
      ICICI Bank Yes Yes
      IDBI Bank Yes Yes
      IDFC Bank Yes Yes
      IndusInd Bank Yes Yes
      Kotak Bank Yes Yes
      One Card Yes Yes
      RBL Bank Yes Yes
      Standard Chartered Bank Yes Yes
      State Bank of India Yes Yes
      Yes Bank Yes Yes

      FirstCry shall not be held liable for any dispute arising out of or in connection with such EMI facility being offered by the respective banks/issuer including charges/interest paid/charge backs originating from EMI transaction.


      For terms and conditions applicable to transactions made with individual banks, visit:


      HDFC Bank :- https://www.hdfcbank.com

      AMEX :- https://www.americanexpress.com/en-in

      AU Small Finance Bank :- https://www.aubank.in

      Bank of Baroda :- https://www.bobfinancial.com

      IDBI Bank :- https://www.idbibank.in

      IDFC Bank :- https://www.idfcfirstbank.com

      CITI Bank :- https://www.online.citibank.co.in

      Kotak Bank :- https://www.kotak.com

      SBI Bank :- https://www.sbicard.com

      ICICI Bank :- https://www.icicibank.com

      Axis Bank :- https://www.axisbank.com

      IndusInd Bank :- https://www.indusind.com

      HSBC :- http://www.hsbc.co.in

      Central Bank of India :- https://www.centralbankofindia.co.in

  • 8.Cash On Delivery Charges
    • Above or Equal to Rs.699:- COD charges may vary based on pincdoes and order history*. Shipping charges are free with this order value*

      Less than Rs.699:- COD charges may vary based on pincdoes. A fixed shipping charge of Rs. 50 is applicable with this order value*

      *Order Value = Excluding COD charges, Shipping charges, Taxes or value reduced after application of coupons or any other offer
      *Order History = COD charges will not be applied, if the previous orders are from Prepaid Payment Mode (Cards, UPI, Net-banking, Wallets)

      FirstCry, at its'sole discretion, may choose to modify the COD charges from time to time.
  • 9.Placing a Cash-on-Delivery (COD) Order
    • 1. When prompted to choose a Payment Option, select "Pay By Cash-on-Delivery"
      2. Our Customer Care team will call you to verify the details.
      3. Once verified and confirmed the order will be processed for shipment in the time specified, from the date of confirmation.
      4. You will be required to make a Cash payment (no cheque or DD will be accepted) to our Courier Partner at the time of delivery.
      5. For Cash on Delivery orders packages cannot be opened until complete payment has been made to the Firstcry representative.
  • 10.Refund of Payment
    • If you have selected Cash on Delivery and order has not been delivered, there is no amount to refund because you haven't paid for your order

      For refund of payments made using a Credit Card, Debit Card, Net Banking, or EMI, please go to your Firstcry Cash refund Section and initiate refund to your original source of payment by clicking on "Refund Amount Back To Me" button.

      If your order has been cancelled, then you will receive refund in your Firstcry cash refund section. You may choose to use that refund in your next order or even have it credited back to you by initiating refund to your original mode of payment by clicking on "Refund Amount Back To Me" button.

      If you would like a refund to your bank account/credit card, the same will be processed by bank/payment gateway within 5-7 business days of initiating refund request. Payments made through Cash on Delivery will be processed within 15 working days of receiving the Bank Details from you.

      Refunds pertaining to product(s) which have been returned will be credited to your Firstcry Cash refund section, once the product is received at our facility and we have completed all quality checks and verifications at our end.

      For payments made through any of the wallet gateways like Paytm, MobiKwik etc., the amount will be refunded to the Firstcry cash refund section. You may choose to use that refund in your next order or even have it credited back to you by initiating refund to your original mode of payment by clicking on "Refund Amount Back To Me" button.

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