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Payments Policy

Credit Cards & Debit Cards

We accept VISA, MASTER, RUPAY and AMERICAN EXPRESS Credit Cards issued in India and we accept Debit cards of all banks issued in India through Razorpay. International credit/debit card transactions are also accepted through Paypal. is committed to provide you safe way of transacting online. All your transactions online are protected & secured by Razorpay. 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 Osasbazaar are processed through secure and trusted payment gateways managed by leading Indian banks and payment gateway service providers.

Osasbazaar 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.

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 as offered by Razorpay and does not play any role in this. It is currently available for various credit cards with option to pay In 3, 6, 9 or 12 months EMI tenure plan on the Razorpay Payment Gateway. 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.

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.

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.

EMI Cancellations and charges

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

Osasbazaar 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 please visit the bank website.

Cash On Delivery (COD)

In this case you pay in Cash to the courier person while accepting the goods. As of now, we do not provide an COD Payment Option.

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.

If you want to return any items you have ordered, please email us at: or call/whatsapp us at: +91-93219-77570. Please refer the standard return policy

If you would like a refund to your bank account/credit card, the same will be processed by bank/payment gateway within 15 working days of initiating refund request or receiving the Bank Details from you (in case the refund is to be credited to your bank account).

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