Price history with bank offers: the real price you pay
How card and bank offers change the price you pay, and how to compare them with a product's price history.
Why bank offers aren't in the price history
A bank or card offer only applies if you pay with that card, often with a minimum order value and a cap. Two shoppers pay different prices for the same product. So our charts show the store's selling price, which everyone pays.
Working out your real price
- Start with the selling price on the model page.
- Check the offer's terms on the store: the discount, the cap and the minimum order value.
- Take off the smaller of the discount and the cap. That's your price with the offer.
When an offer actually helps
Compare your price with the offer against the 1-year low. If the selling price is far above the 1-year low, a 10% card offer can still leave you paying more than the product cost a few weeks ago. The best time to use an offer is when the selling price is already near its low.
No-cost EMI
No-cost EMI usually means the store gives a discount equal to the interest. The total you pay is close to the selling price, so judge it the same way: against the product's price history.