There are zero hidden charges when you make a purchase on Lunaax. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay.
You may use Credit cards/Debit cards, Internet Banking and Cash on Delivery to make your purchase.
Are there any hidden charges when I make a purchase on Lunaax?
There are zero hidden charges when you make a purchase on Lunaax. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay.
You would be charged Rs 30 delivery charges if your order is less than Rs 500. Also a Rs 30 COD charges are applicable if your COD purchase is less than Rs 500.
What is Cash on Delivery?
If you are not comfortable making an online payment on Lunaax.com, you can opt for the Cash on Delivery payment mode. With COD you can pay in cash at the time of actual delivery of the product at your doorstep, without requiring you to make any advance payment online.
The maximum order value for a Cash on Delivery (C-o-D) payment is Rs 10,000. It is strictly a cash-only payment method. Rs 30 COD charges are applicable if your order total is less than Rs 500
How do I pay using a credit/debit card?
Credit cards
We accept payments made using Visa, MasterCard and American Express credit cards.
To pay using your credit card at checkout, you will need your card number, expiry date, three-digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank’s page for entering the online 3D Secure password.
Debit cards
We accept payments made using Visa, MasterCard and Maestro debit cards.
To pay using your debit card at checkout, you will need your card number, expiry date (optional for Maestro cards), three-digit CVV number (optional for Maestro cards). You will then be redirected to your bank’s secure page for entering your online password (issued by your bank) to complete the payment.
How do I place a Cash on Delivery (COD) order?
All items that have the “Cash on Delivery Available” icon are valid for order by Cash on Delivery.
Add the item(s) to your cart and proceed to checkout. When prompted to choose a payment option, select “Pay By Cash on Delivery”. Enter the name and contact details of the person who would be receiving the COD order.
Please verify your order by giving us a missed call on 0124-4616414 from the number you have given as Cash On Delivery number in the payment options. In case you are unable to make this call, we will give you a call to confirm the order.
Once verified and confirmed, your order will be processed for shipment in the time specified, from the date of confirmation. You will be required to make a cash-only payment to our courier partner at the time of delivery of your order to complete the payment.
Terms & Conditions:
The maximum order value for COD is Rd 10,000.
Rs 30 COD charges for orders under Rs 500.
I tried placing my order using my debit card/credit card/Net Banking but the order was not successful. What happens to the money deducted from the card?
Please check your bank/credit card account to first ensure if your account has been debited. If your account has been debited after a payment failure, it is normally rolled back by banks within 7 business days. The time taken can vary from bank to bank and we unfortunately won’t be able to expedite this. Please check with your bank for more details.
If your bank informs you otherwise please get back to us. If the money has been credited to our account we would initiate refund within 3 days of your request. Receipt of the refund would however depend on the mode of payment mode chosen by you. The expected timelines are as below:
Net Banking 2-4 business days
Debit Card 5-7 business days
Credit Card 7-21 business days
I tried placing my order using my debit card/credit card/Net Banking but the order was not successful. What happens to Lunaax cash deducted from my Account?
In case your order is not successful andLunaax cash has been deducted from your account we would proactively initiate refund within 3 days.
What should I do if my payment fails?
In case of a payment failure, please retry ensuring: Information passed on to payment gateway is accurate i.e. account details, billing address, password (for net banking) Your Internet connection is not disrupted in the process.
If your account has been debited after a payment failure, it is normally rolled back to your bank account within 7 business days. You can email us on [email protected] or please give us a call with your order number for any clarification.
Why is COD not available to me?
Cash on Delivery (COD) option is not offered by our Courier partners at few serviceable locations. Also, COD option is not available on some of our products. Hence, based on your location and your choice of products, COD option may not be available to you. However, you can always opt for payment through Net Banking or Credit/Debit Card.
What is Lunaax’s EMI payment option?
Lunaax’s EMI payment option is available for credit card holders only. You may choose to pay in 3, 6, 9,12, 18, or 24 months installments.
There is NO processing fee charged for availing Lunaax’s EMI payment option.
EMI is not applicable for debit cards.
For any item which is priced at or over the EMI eligibility threshold, the product page will automatically show a label that this item is eligible for EMI and also display a table with the EMI rates and amounts for that item across different EMI tenures and banks.
In case of cancellation or return, interest charged by the bank till that time will not be refundable under any circumstances. Partial cancellation is allowed.
EMI purchases need to be made on a single credit card and cannot be split across multiple cards
The Bank charges annual interest rates (as shown below) according to the reducing monthly balance. In the monthly reducing cycle, the principal is reduced with every EMI and the interest is calculated on the balance outstanding.
EMI plans / Interest charge
BANK
Minimum Amount
3 months
6 months
9 months
12 months
18 months
24 months
AMEX EMI
INR 5000
12%
12%
12%
12%
–
–
Axis EMI
INR 2500
12%
12%
13%
13%
–
–
HDFC EMI
INR 3000
13%
13%
14%
14%
15%
15%
HSBC
INR 2000
12.5%
12.5%
13.5%
13.5%
13.5%
–
ICICI EMI
INR 1500
13%
13%
13%
13%
–
–
INDUSIND EMI
INR 2000
13%
13%
13%
12%
12%
12%
Kotac EMI
INR 500
12%
12%
14%
14%
–
–
RBL
INR 500
13%
13%
13%
13%
13%
13%
SBI EMI
INR 2500
14%
14%
14%
14%
–
–
STANC
INR 2000
13%
13%
14%
14%
15%
15%
YES
INR 2500
12%
12%
13%
13%
14%
15%
EMI monthly schedules begin from the next card billing statement post the transaction date as determined by your bank.
For any queries regarding foreclosure/ pre-closure of your EMI transaction or on amounts charged on your credit card, please contact your bank.
Example and Calculations
The table below shows a representative rendering of EMI plans for a Rs. 20,000 purchase on Lunaax paid using the EMI payment plan
Tenure
Purchase amount
Monthly Installment
Bank Interest Rate
Total Cost
3
Rs 20,000
Rs 6,800.44
12.00%
Rs 20,401.33
6
Rs 20,000
Rs 3,450.97
12.00%
Rs 20,705.80
9
Rs 20,000
Rs 2,344.32
13.00%
Rs 21,098.89
12
Rs 20,000
Rs 1,786.35
13.00%
Rs 21,436.15
How do I make a payment using Lunaax’s credit card EMI option?
Once you’ve added the desired items into your cart, proceed to checkout as usual.
When prompted to choose a ‘Payment Option’, select ‘(EMI)’. Choose the bank and plan (3, 6, 9, 12, 18, or 24 months) of your choice and enter your credit card details. Once the payment is authorized, your order will be processed and shipped. You will need to pay the total amount, in the pre-determined number of installments, as per your credit card billing cycles.
Can I pay some down payment and remaining in EMI?
Sorry, currently we do not have the option of partial down payment and remaining in EMIs. When you opt for an EMI transaction, the entire price of the product is converted into an EMI (3, 6, 9, 12, 18, or 24 months EMI etc. depending upon chosen option) and charged to your credit card in every billing cycle.
