How to avail 0% EMI on Sunday purchases
Pay for any Sunday order in up to 6 monthly instalments at 0% interest, on a Visa or Mastercard credit card issued in India. Your bank still charges interest; we pay it back to you as a discount, so the instalments add up to the price. What the bank may add on its own: GST on that interest, and sometimes a processing fee.
A ₹7,499 mattress: 6 payments of ₹1,250. Nothing more on our side.
How 0% EMI really works
India's banking regulator, the RBI, has said it plainly: there is no such thing as zero percent interest. Every EMI carries interest. In a 0% EMI, the seller pays it. Here is how that happens:
- Your bank converts the price into EMIsAt its own interest rate.
- We pay that interest for youAs a discount (or cashback) worth the interest, shown separately on your statement.
- Your instalments add up to the priceUp to 6 months, nothing more on our side.
What your bank may still charge
- GST on the interest18%, on the interest part only. It is small: on ₹30,000 over 3 months, about ₹132.
- A processing fee, at some banksSet by your bank, often a few hundred rupees plus GST. Check your bank's EMI terms.
These go to your bank, not to us. We tell you because most sellers don't.
Which cards work
- Yes: Visa and Mastercard credit cardsIssued in India.
- No: American Express, debit cards, Diners Club or Bajaj EMINot for EMI. Online, we take Visa and Mastercard cards, UPI and net banking.
Longer plans: 9 or 12 months at your bank's standard interest. Your bank not offered at checkout? Pay in full on your credit card and ask your bank to convert it to EMI; that will be at the bank's interest, not 0%.
How to pay in EMI
- Add to cartAny mattress or accessory.
- Choose EMI on the payment pageThen your card's bank. No code needed.
- Choose up to 6 monthsThe 0% is applied when your card qualifies.
Good to know before you choose
- Your card limitThe full amount is blocked at once, and frees up as you pay each EMI.
- Your credit scoreEMIs paid on time help. A missed EMI hurts, and brings a late fee.
- If you return itWe refund what you paid, less the interest cashback the bank applied. The bank closes the EMI.
Questions people ask
Is Sunday's 0% EMI really free?
From us, yes: we pay the interest, so your instalments add up to the price. Your bank may add GST on the interest and, at some banks, a processing fee.
Why is my bank charging GST on a 0% EMI?
The bank charges interest first and the discount cancels it, but GST at 18% is due on the interest part. On ₹30,000 over 3 months that is about ₹132.
Can I use a debit card or Amex for EMI?
No. Only Visa and Mastercard credit cards issued in India.
Do I need a coupon code?
No. Choose EMI on the payment page and the 0% is applied if your card qualifies.
What happens to my EMI if I return the mattress?
We refund what you paid, less the interest cashback the bank applied, and the bank closes the EMI. Interest the bank charged before that isn't refunded by the bank.
Why is my refund a little less than what I paid?
On 0% EMI, the interest cashback the bank applied comes off the refund. Everything else comes back.
Will EMI affect my CIBIL score?
Paying every EMI on time helps your score. Missing one hurts it. A large EMI also uses more of your card limit for a while.
Can I close the EMI early?
Yes, with your bank. Banks may charge a foreclosure fee; check your card's EMI terms.
Choose your mattress. Questions? Call 080 4749 4649.
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- Why are your prices lower than other premium mattress brands? We sell directly to you, so there is no distributor, dealer or showroom to pay for in your price, and we don't print a high MRP to "discount" from.
- Why don’t you offer discounts? We don’t believe in gimmicks—just great sleep at a fair price.
- Where can I find discount codes for Sunday mattresses? We’ll get straight to the point—there are no discount codes or coupon hacks for Sunday Mattresses.