Tuesday 22 September, 2026

ONEBNPL EMI: Shop for Your Favorite Gadgets at EvoStore

Paying for a new phone, laptop, or camera in one lump sum isn't always realistic, especially when the gadget you actually want sits well above your usual budget for a single purchase. EvoStore's Easy EMI facility through ONEBNPL solves this directly, letting you split the cost of your purchase into manageable monthly installments using your existing credit card, rather than waiting months to save up the full amount upfront.

Here's a full breakdown of how ONEBNPL EMI works at EvoStore, which products and brands qualify, and exactly how to use it for your next purchase.

What Is ONEBNPL EMI?

ONEBNPL is the EMI facility EvoStore offers through partner banks, letting you convert a purchase made on your credit card into fixed monthly installments instead of paying the full amount at once. It's built specifically for higher-value purchases, applying to products priced above NPR 15,000, covering everything from phones and laptops to cameras, headphones, and other gadgets across EvoStore's range.

Rather than needing a separate loan or finance application process, ONEBNPL works directly through the credit card you already hold with one of EvoStore's partner banks, making it a genuinely convenient option if you're already a cardholder with one of them.

Which Banks Support ONEBNPL EMI?

ONEBNPL EMI is available through a wide range of partner banks, giving most existing credit card holders in Nepal a real chance of qualifying. Partner banks include:

NABIL Bank
Global IME Bank
NIC Asia Bank
Machhapuchhre Bank
Nepal Investment Mega Bank
Citizens Bank
Kumari Bank
NMB Bank
Himalayan Bank

Since EMI tenure and any processing fees depend on the specific bank issuing your card, it's worth checking the exact terms for your particular bank before finalizing your purchase, since these details can vary from one partner bank to another.

Which Brands Get 0% EMI, and Which Don't

This is one of the most important details to understand before choosing ONEBNPL for your purchase.

Most brands qualify for 0% EMI, meaning you pay no additional interest or EMI charge beyond the product's listed price, split evenly across your chosen tenure.
Apple, DJI, and Insta360 are the exceptions, carrying a 10% EMI charge, exclusive of VAT, on top of the purchase price. For these three brands specifically, a separate invoice covering that 10% charge plus VAT is issued to the customer alongside the standard purchase invoice.

If you're eyeing an iPhone, a DJI drone or camera, or an Insta360 device, it's worth factoring this additional charge into your budgeting before committing to the EMI route, since it does add a real cost on top of the product price that doesn't apply to most other brands EvoStore carries.

How to Use Easy EMI with ONEBNPL

The process is straightforward, though it does involve a couple of steps between choosing your product and actually walking out with it.

Choose your product. Browse EvoStore's range, either online or in-store, and confirm the product is priced above the NPR 15,000 threshold required for EMI eligibility.
Fill out your bank's EMI application form. This includes your necessary credit card details and the finance amount required for your purchase.
Submit your application. Once submitted, approval typically takes a few working days, depending on your specific bank's processing time.
Receive your Delivery Order. Once approved, your bank issues a Delivery Order confirming the financed amount.
Visit an EvoStore outlet with your Delivery Order. Any amount not covered by the approved Delivery Order, if applicable, needs to be paid as a down payment directly at the store.
Complete your purchase. Once the down payment, if any, is settled, your purchase is complete and ready for pickup or delivery.

Your down payment amount depends on both your credit card limit and the total value of the product you're purchasing, so it's worth checking your card's available limit against your intended purchase before starting the application.

A Few Important Details to Know Before You Commit

A handful of terms are worth understanding clearly before using ONEBNPL for a purchase.

You can split your EMI across two different credit cards for the same purchase, which can help if a single card's limit doesn't quite cover the full amount you need financed.
No refund or exchange is available once the ONEBNPL EMI facility has been used on a purchase. This makes it worth being fully confident in your product choice before finalizing the EMI application, rather than treating it as a flexible, easily reversible purchase.
EMI tenure varies by bank, so the specific repayment period available to you depends on which partner bank issued your credit card.

Why This Matters for Bigger Purchases

Gadgets like a new laptop, a flagship phone, or a good camera setup often sit at a genuinely significant price point, exactly the kind of purchase that's easy to keep delaying while you wait to save up the full amount. Easy EMI through ONEBNPL removes that delay, letting you get the product you actually need or want now, while spreading the cost across a repayment period that fits your monthly budget rather than draining your savings in one go.

For most brands, since there's no added interest cost, this isn't just a convenience, it's genuinely the same total price as paying upfront, just spread out. Even for Apple, DJI, and Insta360 products where the 10% charge applies, many buyers still find the ability to spread payments worth the added cost, particularly for higher-ticket items where the monthly installment makes a real difference to affordability.

Ready to bring home your next gadget without paying the full amount upfront? Browse EvoStore's range and check out with Easy EMI through ONEBNPL, or visit an EvoStore outlet to get started on your application today.

Most Asked Questions for ONEBNPL EMI at EvoStore

1. What is the minimum purchase amount to qualify for ONEBNPL EMI at EvoStore?

Products need to be priced above NPR 15,000 to qualify for the Easy EMI facility through ONEBNPL.

2. Do all brands get 0% EMI at EvoStore?

Most brands do, but Apple, DJI, and Insta360 are exceptions, carrying a 10% EMI charge exclusive of VAT, billed through a separate invoice alongside your standard purchase invoice.

3. Which banks can I use for ONEBNPL EMI?

Partner banks include NABIL, Global IME Bank, NIC Asia, Machhapuchhre Bank, Nepal Investment Mega Bank, Citizens Bank, Kumari Bank, NMB Bank, and Himalayan Bank, among others.

4. Can I return a product after using ONEBNPL EMI to purchase it?

No. Once the ONEBNPL EMI facility has been used on a purchase, no refund or exchange is available, so it's worth being certain about your product choice before finalizing the application.