EMI Facilities & Terms

EMI Facilities & Terms at KADAM

Shop your favourite jewellery and gifts with convenient monthly instalments. KADAM offers EMI payments through the SSLCOMMERZ payment gateway using eligible credit cards from participating banks and financial institutions.

Current Offer: Zero EMI Charges

Enjoy 3 or 6-month EMI with ZERO EMI charges on orders totalling ৳5,000 or more, including delivery charges.

Under this offer, KADAM waives the regular EMI charges for eligible 3 and 6-month plans.

There is currently no fixed end date for this offer. Please review the offer details and charges displayed at checkout before completing your purchase.

Minimum Order Amount

Your final payable order total must be at least ৳5,000, including delivery charges, to qualify for EMI.

Your product subtotal may be below ৳5,000, provided the final amount payable, including delivery, reaches the minimum requirement.

Who Can Use EMI?

To qualify for EMI:

  • Your final payable order total, including delivery, must be ৳5,000 or more.

  • You must use an EMI-eligible credit card from a participating bank or financial institution.

  • Your card must have sufficient available credit to cover the full transaction amount.

  • Your transaction must meet your card issuer’s eligibility and approval requirements.

Having an account with a participating bank does not automatically qualify you for EMI. Eligibility depends on your specific credit card.

Available Instalment Plans

Depending on your bank and card, available EMI tenures may include 3, 6, 9, 12, 18, 24, 30 or 36 months.

Not every institution offers every tenure. The options available for your card will be displayed on the payment page.

The current zero EMI charge offer applies only to eligible 3 and 6-month plans. Regular EMI charges apply to other tenures.

Participating Banks & Financial Institutions

Our EMI schedule includes the following 38 banks and financial institutions:

No. Institution
1 AB Bank
2 Al-Arafah Islami Bank
3 Bank Asia
4 BRAC Bank
5 City Bank
6 Dhaka Bank
7 Dutch Bangla Bank
8 Eastern Bank
9 EXIM Bank
10 IFIC Bank
11 Islami Bank Bangladesh
12 Jamuna Bank
13 LankaBangla Finance
14 Mercantile Bank
15 Mutual Trust Bank
16 National Bank
17 NCC Bank
18 ONE Bank
19 Premier Bank
20 Prime Bank
21 Pubali Bank
22 Shahjalal Islami Bank
23 Southeast Bank
24 Standard Bank
25 Standard Chartered Bank
26 United Commercial Bank
27 Trust Bank
28 Modhumoti Bank
29 NRB Commercial Bank
30 NRB Bank
31 Meghna Bank
32 SBAC Bank
33 Midland Bank
34 Uttara Bank
35 Shimanto Bank
36 Community Bank Bangladesh
37 Bengal Commercial Bank
38 Citizens Bank PLC

Availability is subject to your card’s eligibility and the options shown on the payment page.

How to Pay with EMI

  1. Choose your products. Add your favourite KADAM pieces to your cart.

  2. Check your order total. The final payable amount, including delivery, must be ৳5,000 or more.

  3. Proceed to checkout. Enter your name, phone number and delivery address.

  4. Select online payment. Choose the payment option processed through SSLCOMMERZ.

  5. Choose EMI. Select your bank and preferred tenure from the available options.

  6. Review the payment details. Check the selected tenure, EMI charges and total payable amount. For an eligible 3 or 6-month plan under our current offer, confirm that the EMI charge is zero.

  7. Complete payment. Enter your card details on the payment page and complete your bank’s verification.

  8. Save your confirmation. Keep your order and payment confirmation for future reference.

If the expected EMI option or zero-charge offer does not appear, contact KADAM before completing payment.

Monthly Instalment Example

If your final payable order total is ৳6,000, including delivery, the following instalments apply under the current zero EMI charge offer:

EMI Tenure EMI Charge Total Payable Monthly Instalment
3 months ৳0 ৳6,000 ৳2,000
6 months ৳0 ৳6,000 ৳1,000

Minor differences in individual instalments may occur due to your bank’s rounding method. Any separate card-related fees imposed by your bank are not included in this example.

Regular EMI Charges

Please refer to the bank-wise EMI chart on this page for available tenures and regular charges.

The percentages shown represent the listed EMI charges for each tenure. They are not annual interest rates.

A dash “–” means that the tenure is not listed for that institution. It does not mean that the tenure is available at zero charge.

Although the chart displays regular rates, the EMI charges for eligible 3 and 6-month plans are waived under KADAM’s current offer.

Always review the applicable charges and total payable amount before confirming payment.

Frequently Asked Questions

Does the ৳5,000 minimum include delivery charges?

Yes. The minimum qualifying amount is based on your final payable order total, including delivery charges.

Is there a fixed end date for the zero EMI charge offer?

No fixed end date has been announced. Please check this page and the payment details at checkout for the applicable offer.

Can I use a debit card, bKash, Nagad or Cash on Delivery for this EMI offer?

This offer applies to eligible credit card EMI transactions through participating institutions. It does not apply to regular debit card, bKash, Nagad or Cash on Delivery payments.

Do I need enough available credit for the full purchase amount?

Generally, your credit card must have sufficient available credit to cover the full transaction amount, rather than only the first monthly instalment.

Your bank determines how the transaction affects your available credit limit and how that limit is restored as you make repayments.

Where do I pay my monthly instalments?

Your instalments are payable through your credit card bill according to your bank’s billing schedule. You do not pay monthly instalments directly to KADAM.

Does zero EMI charge mean there are no other bank charges?

The offer waives the EMI charge for eligible 3 and 6-month plans. It does not cover credit card annual fees, late payment penalties or other separate charges imposed by your bank.

Can I choose a longer EMI plan?

Yes, if your bank and card support it. Available options will appear on the payment page. Tenures other than 3 and 6 months are subject to the applicable regular EMI charges.

What if I cannot see an EMI option?

Check that your final order total meets the ৳5,000 minimum and that you are using an eligible credit card through the appropriate payment option.

If EMI is still unavailable, contact KADAM or your card issuer before completing payment.

Will a regular card payment automatically become an EMI payment?

Do not assume that a regular card payment will automatically be converted to EMI or qualify for this offer. Select the available EMI option during payment.

What happens if my order is cancelled or refunded?

Order cancellations and refunds are subject to KADAM’s applicable policies.

The time required to receive a refund, and the cancellation or adjustment of an EMI plan, depend on the issuing bank and payment gateway. Any EMI-related fee adjustment is also subject to their applicable rules.

Do not stop paying your card bill while a refund is pending without first consulting your bank.

Can I pay off my EMI early?

Contact your card issuer to confirm whether early repayment is available and whether any charges or conditions apply.

Important Terms & Conditions

  • The minimum qualifying order total is ৳5,000, including delivery charges.

  • Zero EMI charges apply only to eligible 3 and 6-month EMI transactions under the current offer.

  • There is currently no fixed end date for the offer.

  • Other EMI tenures are subject to the applicable regular charges.

  • EMI eligibility and approval are determined by the issuing bank or financial institution.

  • Available tenures may vary by bank and card.

  • Your card must meet the issuer’s available credit and transaction requirements.

  • Separate card fees, late payment penalties and other bank-imposed charges are not waived by this offer.

  • Review your selected tenure, charges and total payable amount before confirming payment.

  • Orders confirmed under an offer are subject to the applicable terms at the time of purchase.

  • Cancellations and refunds are governed by KADAM’s applicable policies and the relevant bank and payment gateway procedures.

Need Help?

For questions about EMI eligibility, available plans or payment issues, contact KADAM through our official support channels.

For your security, never share your OTP, CVV or full card number through messages or with a support representative.

Explore our collection at https://kadam.com.bd.