What are the hidden charges that people must be careful of while shopping for Diwali?

As people begin Diwali shopping, multiple sellers have begun offering discounts, no-cost EMIs and cashbacks. However, processing fees, GST on interest, the loss of an upfront discount and conditions attached to cashback can make the products more expensive. Shoppers must also check if no-cost EMIs and cashbacks are limited to cards of particular banks or require a minimum transaction value.