Payment Methods & Additional Discounts
Understanding which payment method gives you the best deal can make a significant difference to your final price. Testbook accepts virtually every popular payment option in India, and several of them come with their own built-in discount mechanisms. Let's explore each payment method in detail so you can make an informed decision about which one to use for maximum savings.
UPI Payments (BHIM UPI)
This is hands-down the most rewarding payment method for Testbook purchases. When you select BHIM UPI as your payment option, you automatically receive a flat 65% discount on all test pass subscriptions – no coupon code required, no minimum purchase amount, no hidden conditions. The discount gets applied instantly when you choose this option at checkout. UPI payments through apps like Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, or any bank's UPI app all qualify for this discount. Processing is instantaneous, meaning you get immediate access to your courses within seconds of payment confirmation. Additionally, UPI transactions don't incur any convenience fees or processing charges that credit cards sometimes levy. The government's push for digital payments has created this win-win situation where both Testbook and students benefit. Pro tip: Always check if your coupon code discount or UPI discount is higher, and go with whichever gives you the better deal!
Credit/Debit Cards
Credit and debit cards remain a popular choice due to their widespread acceptance and convenience. Testbook accepts all major cards including Visa, Mastercard, RuPay, and American Express. Here's where it gets interesting – Visa card users currently enjoy an exclusive promotional offer providing up to 15% extra cashback on Testbook purchases. This cashback is credited back to your card account within 7-10 business days as per Visa's processing timeline. Check with your card-issuing bank about any additional offers they might be running. Many premium credit cards offer educational expense benefits, reward points, or milestone benefits that can be utilized for Testbook purchases. Some banks also have tie-ups offering instant discounts or EMI conversion at zero interest. However, be aware that some card processors charge a small convenience fee (typically 1-2%), so factor that into your calculations when comparing payment methods.
Net Banking
Net banking provides a secure, direct bank transfer option for those who prefer traditional banking methods. This payment mode is accepted from all major Indian banks including SBI, HDFC, ICICI, Axis, PNB, Bank of Baroda, Canara Bank, and literally hundreds of other banks. While net banking doesn't typically offer additional discounts like UPI or specific cards, it's incredibly reliable with high success rates. The payment is processed through your bank's secure gateway, and you receive instant confirmation. This method is particularly preferred by older users or those who aren't comfortable with newer payment technologies like UPI. Standard coupon code discounts apply normally with net banking, so you can still use UNVEBL for your savings. Seasonal promotional offers from specific banks occasionally provide extra benefits, so watch out for those announcements on Testbook's website or your bank's offers page.
Digital Wallets
Digital wallets like Paytm, PhonePe, Amazon Pay, Mobikwik, Freecharge, and others offer quick one-tap payment experiences. While wallet-specific discounts aren't as consistent as UPI discounts, these platforms occasionally run cashback campaigns where you can earn rewards on educational purchases. Paytm, for instance, frequently offers 5-10% cashback under their promotional campaigns, especially during festive seasons. Using wallets is advantageous if you've accumulated cashback or rewards in your wallet account – you can utilize those existing funds to pay for your Testbook subscription, essentially making the course even cheaper. The payment process is extremely fast, often completing within 2-3 seconds. However, always compare the final price with UPI payment before proceeding, as UPI's 65% discount usually beats wallet offers unless there's an exceptional wallet-specific campaign running.
EMI Options (Easy Installments)
For students and working professionals who find it challenging to pay the full amount upfront, Testbook offers convenient EMI (Equated Monthly Installment) options on longer duration subscriptions, particularly 6-month and annual plans. EMI facility is available on most major credit cards and through specific financing partners. Several banks offer zero-interest EMI on educational purchases, meaning you pay exactly the course price divided into monthly installments without any additional interest burden. For example, a yearly pass costing ₹500 after discounts can be paid as approximately ₹42 per month over 12 months with zero interest EMI. This makes premium education accessible even to those on tight budgets. Some cards offer 3-month, 6-month, 9-month, or 12-month EMI tenures – choose based on your financial comfort. Note that EMI is typically available only on purchases above certain minimum amounts (usually ₹3000-5000), and your coupon code discounts are applied before EMI calculation, so you're getting installment benefits on already-discounted prices!
Payment Security: Regardless of which payment method you choose, rest assured that Testbook uses industry-standard 256-bit SSL encryption and PCI-DSS compliant payment gateways to protect your financial information. Your card details, UPI PIN, and bank account information are never stored on Testbook's servers – all transactions are processed through secure third-party payment processors. Always ensure you see the lock icon in your browser's address bar and verify you're on the official Testbook domain before entering payment details. Never share your OTP, CVV, or PIN with anyone claiming to be from Testbook – legitimate payment gateways never ask for these details over phone or email.
