Credit Cards & Debit Cards:

We accept VISA, MASTER and AMERICAN EXPRESS Credit Cards issued in India and we accept Debit cards of all banks issued in India. is committed to provide you safe way of transacting online. All your transactions online are protected & secured by SSL (secure socket layer) technology. 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 Nicabo are processed through secure and trusted payment gateways managed by Razorpay. Nicabo uses latest encryption technology to protect your card information while securely transmitting it for processing the payment.

Nicabo does not store Credit / Debit card numbers, CVV / Security Code, Pin for 3D Secure, Expiry date on any of its servers. 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.

EMI Payment Option:

EMI stands for 'Equated Monthly Installment' and this option gives you the flexibility to convert your credit 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 you purchased a product worth 6000 on 3 months EMI then your monthly installment would be Rs. 2000 each spread across 3 months.

Supported Credit Cards for EMI and Tenure Options for EMI Payments:

EMI schemes are currently available for HDFC, AXIS & KOTAK Bank credit cards with option to pay In 3, 6, 9 or 12 months EMI tenure plan. Upon successful completion of an order with EMI option, the EMI policy usage and terms and conditions of respective banks will be applicable. Any communication related to an ongoing EMI scheme should be addressed to the card issuing bank.

Minimum Order Value to Qualify for EMI:

EMI payment option is applicable on all purchases worth Rs 3000 and above made on using ICICI , AXIS, HSBC, KOTAK, SBI & IndusInd Bank credit cards.The EMI facility is not available on purchase of Gift Certificates or Guaranteed Savings offers from

EMI Processing/Convenience Charges: does not charge any customer any processing or convenience fee for the purpose of facilitating the EMI facility. Customers are required to contact the issuing bank for any queries related to EMI Processing/Convenience Charges.

You can also pay through Cash On Delivery (COD):

can also pay through Cash On (COD). In this case you pay in Cash to the courier person while accepting the goods. COD payments would be accepted for orders with total invoice value up to Rs 10000/-.

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.

Bank interest rates

EMI Cancellations and charges:

In case a customer wants to cancel or return the items purchased on EMI, Nicabo 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.Nicabo 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:

Bank site links

Cash On Delivery Charges:
Order Value
COD charges
Less than Rs.10,000 Rs. 35 (Per Order)
Above Rs. 10,000 No COD
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 Nicabo representative.


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