By opting for any EMI Scheme, you hereby acknowledge and agree as follows:

• That the option of distributing the amount transacted by you (“Transaction Amount”) into equated monthly instalments (“EMIs”) can only be availed using the credit card of such issuers which offer such an option. It is not available on transactions made using any other payment method.
• That the various EMI scheme options, including but not limited to different tenures, corresponding rate of interests and charges (“EMI Scheme(s)”) provided to you for distributing your Transaction Amount into EMIs are provided by issuers for the credit cards issued by them and the merchant or the payment facilitator disclaims any liability or responsibility regarding the same. The issuers of such credit cards may modify or revise any EMI Scheme at their sole discretion.
• That the full Transaction Amount shall be charged to your credit card at the time you make the transaction. You agree that the issuer may take up to 4 days or more to convert the Transaction Amount into EMI. Thereafter, you get charged monthly EMI.
• That the conversion of the Transaction Amount into EMI as per the tenure and the rate of interest selected by you, is the sole discretion of the credit card issuers as per its internal policies and the merchant and the payment facilitator hereby disclaims any and all liability or responsibility regarding the same.
• That, in the event of cancellation of the transaction/return of the purchase, as per the cancellation/return/refund policy of the merchant, you shall get the refund of Transaction Amount, eligible to be refunded as per the refund policy of the merchant. Provided such refund shall not change the structure of the EMI. You further agree and acknowledge that the EMI closure shall be at the sole discretion of the bank as per the terms agreed between you and your issuer credit card, including but not limited to charging of any foreclosure charges or other charges by the issuer. The merchant and the payment facilitator disclaims any and all liability or responsibility in this regard. The interest or taxes charged by the issuer will be not refunded by Merchant or the payment facilitator.
• That the issuers of these credit cards reserve the right to charge Goods and Services Tax (GST) or other applicable taxes on the Transaction Amount which are converted into EMIs.
• That the merchant or the payment facilitator has no role to play pertaining to the Credit Card including but not limited to its issuance, approval, any extension, pre-closure, or closure of any facility using the Credit Card and such matters are solely determined by the issuer.
• That your use of the credit card issued by your issuer, is also governed by the terms and conditions of the agreement between you and your issuer.
• That all disputes between you and the issuer, or, any query with regard to your credit card or the EMI Scheme opted by you, shall be addressed by your issuer only and you hereby confirm to keep the merchant and the payment facilitator and their respective directors, employees completely indemnified in this regard. The merchant or the payment facilitator shall not be liable to mediate, resolve or address any dispute or disagreement between you and your issuer with regard to the credit card issued to you, or, with regard to the conversion of the transaction done by you into EMI.
• That the issuer shall be solely responsible for recovering of any outstanding amount regarding the loan facility granted to you by the issuer under the EMI Scheme. The merchant and the payment facilitator disclaims any and all liability or responsibility regarding the recovery/legal action initiated by the issuer in case of delayed payment/non payment of any outstanding amount by you.
• You provide your unconditional, irrevocable and unequivocal consent and authorization to the merchant and the payment facilitator to share your information; including but not limited to your personal information, the Transaction Amount, the EMI Scheme selected by you, the EMI tenure and rate of interest selected by you; with your credit card issuer and you agree and understand that the same may be used by your issuer for converting the Transaction Amount into EMI.
• You confirm that you have read and fully comprehended the various available EMI Schemes for conversion of your Transaction Amount into EMI, including but not limited to the total loan amount, Interest Rate, the EMI payable to the issuer and the loan tenure.
• HSBC Credit Card Holders:
  1. INR 99 processing fee + GST will be charged by HSBC on all EMI plans
  2. In addition to the T&Cs already captured, the customer agree to the Bank’s detailed T&C available at: https://www.hsbc.co.in/credit-cards/features/instant-emi/
• For HDFC Bank: Convenience/Processing Fee – Customer will be charged a Processing Fee + GST on their HDFC Bank Credit Card EMI loan. The fee will be Rs. 299 (plus GST) or less will be applied at transaction level.
• For SBI Credit card holders:
  1. Processing Fee of Rs. 69 + taxes applicable on 6 month EMIs for Trxns. greater than or equal to Rs 20000
  2. Processing Fee of Rs. 99 + taxes applicable on 9 & 12 month EMIs for Trxns. greater than or equal to Rs. 20000 & Rs. 11000 respectively
  3. Processing Fee of Rs. 199 + taxes applicable on 18 month EMIs for Trxns. greater than or equal to Rs. 11000 respectively
  4. Processing Fee of Rs. 269 + taxes applicable on 24 month EMIs for Trxns. greater than or equal to Rs. 11000 respectively
  5. For the First EMI, the interest will be levied from the EMI booking date till the payment Due date.
• For ICICI Bank:
  1. EMI facility is available only for retail credit cards
  2. A processing fee of Rs.199 will be charged by the Bank
  3. For Instant Discount Campaigns, Foreclosure charges will be applicable even if customer wants to cancel EMI within 15 days
• For IDFC FIRST Bank:
  
  1. I confirm that I have chosen EMI as the payment option to complete this transaction.
  2. I understand that a processing fee of Rs 249 + GST will be charged on this EMI transaction and transaction will be processed in 3 working days.
  3. Bank has the sole right to decline or accept any EMI conversion request subject to the eligibility of the customer. I understand that the EMI amount will be a part of the Minimum Amount Due payable during the EMI tenure.
  4. I understand that in case of transaction reversal or cancellation, I must reach out to bank for EMI cancellation. In case of EMI cancellation, foreclosure fee of 3% on the outstanding principal amount of EMI transaction, at the time of foreclosure along with the Pro-Rated Interest will be charged to the customer.
     1. Pro-Rated interest is the interest amount applicable for period between EMI conversion date and date of foreclosure in case no EMI is billed.
     2. In case any EMI is billed, pro-rated interest amount will be the interest amount applicable between last EMI billed date and date of foreclosure. Interest will not be charged for the remaining EMI tenure post foreclosure.
  5. Entering the PIN number, One-time password or tapping the credit card for contactless payment will be treated as the acceptance of all terms and conditions.
  6. I have fully understood and have accepted the terms and conditions (as given in the cardmember agreement on the website https://www.idfcfirstbank.com of converting credit card transactions in EMIs.
  7. GST will be applicable on interest; Processing fee and Foreclosure charges will be billed separately along with respective charges.
  8. I understand that the EMI/Subvention and any additional cashback if applicable, may take up to 90 days for processing and will be credited to my credit card by issuing bank, only on receipt of the cashback from the merchant/ manufacturer and subject to Issuing Bank’s discretion.
  9. I understand that in a No-Cost or Low-cost EMI transaction the merchant/manufacturer gives the discount/cashback amount to cover the complete or partial amount of interest levied by the bank.
  10. I understand that Processing/Foreclosure fees/GST applicable on any fees levied by the bank are not part of the No-cost or Low-cost offering provided by the merchant/manufacturer.
  11. I understand that Bank reserves the right to reverse any benefit availed by me, as a cashback or instant discount, in case the EMI transaction is foreclosed.
  12. I agree to the Bank’s EMI T&C available at https://www.idfcfirstbank.com/personal-banking/credit-card-merchant-emi-tnc
• For Kotak Credit card holders:
  1. Processing fees of Rs. 249 + GST will be applicable on all EMI transactions.
  2. For Instant Discounts campaigns, foreclosure charges will be applicable even if the card member wants to cancel the Merchant EMI within 15days.
  3. The Card Member may close the facility (prepayment of the outstanding amount) at any time by contacting Kotak Bank's Customer Care to avail the foreclosure. Foreclosure charges of up to 2% (of principal outstanding at the time of closure) + GST @ 18% for Merchant EMI on the outstanding principal amount shall be levied in the Card Account. The Card Member must contact Kotak Bank’s Customer Care for complete prepayment of the facility.
  4. For eligible customer Cash back for loan account to be posted after 90/120 days after offer end period
  5. Please refer to T&C's mentioned on the Bank website for complete details. Avail Credit Card Merchant EMI on Consumer Durables and more | Bank
• For RBL Credit card holders:1.5% of the amount or Rs. 150/- (whichever is higher) will be levied for merchant EMIs availed at any online/offline store
• For Axis Bank holders:
  1. The processing fee of INR 199 + GST will be applicable on all EMI transactions.
  2. Foreclosure fee will be 3% on Principal Outstanding + GST.
• For IndusInd Bank: Processing fee of Rs.249+GST will be charged by the Issuer.
• For BOBCARD holders:
  1. Processing fee of Rs 199 + applicable GST will be charged on this credit card EMI Transaction by BOBCARD.
  2. I have understood and accept the T&C of EMI as available on the website (www.bobcard.co.in) and the applicable charges mentioned in the charge slip.
  3. I understand that in the event of the merchant or me cancelling my EMI transaction, I am responsible for notifying BOBCARD to cancel the EMI that was booked for the cancelled transaction
• For OneCard card holders: OneCard will charge 1% or Rs.99, whichever is higher, as processing fee on EMI transactions.
• For Yes Bank Credit Card Holders:
  1. I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI Option.
  2. I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip.
  3. For the first EMI, the interest will be calculated from the loan booking date till the payment due date.
  4. The instant discount under No Cost EMI may vary with the actual interest charged in the statement as instant discount is calculated at flat rates for each tenure.
  5. Processing fee of Rs 249 + 18% GST will be applicable on EMI transactions.
  6. Foreclosure charges of 4% + GST is applicable in case you wish to close the EMI before the end of tenure selected.
  7. For eligible customers, the cashback for EMI availed will be posted after 90days of completion of the offer period/ campaign
  8. Merchant payback ( EMI Cashback wherever applicable ) is being provided by the respective Merchant/ Manufacturer & not by Aggregator
  9. Merchant payback (subvention), wherever applicable is being provided by the respective Merchant/ Manufacturer and not by Issuer Bank or Aggregator
  10. EMI conversion is subject to Banks discretion and will be converted within 4 working days.
  11. GST is charged on interest, processing fee and any other charges applicable on this EMI facility.
  12. I understand and agree that the terms of EMI scheme shall be governed by the Card member Agreement signed/executed by me with YES Bank Limited.
  13. For detailed T&C please refer to the YES bank website.
• For Standard Chartered Credit card holders: Processing Fee of 1% (plus taxes) of the transaction amount will be charged on the transaction.
• For AU Small Finance Bank card holders::
  1. The customer has been offered the choice of paying in full as well as EMI for this purchase and they have chosen EMI
  2. The customer understand that the transaction will be processed within 5 working days, subject to successful settlement of this transaction.
  3. Bank has the sole right to accept or decline any EMI conversion request subject to the eligibility of the customer.
  4. The customer understand that the EMI amount will be part of Minimum Amount Due as payable to the Bank during the EMI tenure.
  5. By authenticating this transaction, it will be treated as the acceptance of all applicable Terms and Conditions.
  6. The customer has fully understood and accepted the Terms and Conditions of converting the Credit Card transaction in EMIs for the applicable charges mentioned in the chargeslip, if any.
  7. GST (as per Govt. notification) will be applicable on Interest, Processing Fee, if any and EMI Foreclosure charges. Such GST will be billed in Credit Card statement separately along with respective charges.
  8. The customer understands that any applicable offer cashback may take upto 90-120 days for processing and is subject to Issuing Banks discretion
  9. Processing fee of Rs.199/-+GST will be levied on each EMI booking. Same is non-refundable once booked with exception of EMI cancellation or bank’s discretion
• For Federal Bank card holders:
  1. The customer has been offered the choice of normal as well as EMI for this purchase and have chosen EMI
  2. The customer fully understood and accept the terms of EMI scheme and applicable charges.
  3. EMI conversion subject to Banks discretion
  4. GST applicable on Interest and Processing fees
  5. For more info visit here
• For Punjab National Bank credit card holders:
  1. The customer has been offered the choice of paying in full as well as EMI for this purchase and have chosen EMI.
  2. The customer fully understood and accept the terms of EMI scheme and applicable charges.
  3. EMI conversion will be as per the sole discretion of the bank and may take up to 5 working days.
  4. Bank has the sole right to accept or decline any EMI conversion request subject to the eligibility of the customer.
  5. GST will be applicable on the interest amount
  6. Processing fee of 2% or Rs. 100, whichever is higher, will be charged.
• That by availing EMI option you will deemed to have accepted these EMI T&Cs.
• For DBS Bank card holders: Processing fee of Rs. 299 + GST will be applicable on EMI transactions.

By opting for any EMI Scheme, you hereby acknowledge and agree as follows:

• That the option of distributing the amount transacted by you (“Transaction Amount”) into equated monthly instalments (“EMIs”) can only be availed using the debit card of such banks which offer such an option. It is not available on transactions made using any other payment method.
• That the various EMI scheme options, including but not limited to different tenures, corresponding rate of interests and charges (“EMI Scheme(s)”) provided to you for distributing your Transaction Amount into EMIs are provided by banks and the merchant and the payment facilitator disclaims any liability or responsibility regarding the same. The banks may modify or revise any EMI Scheme at their sole discretion.
• You don’t need to have the entire amount in your account at the time of transaction and bank will not block any amount on your card. We will use the pre-approved credit limiton your debit card enabled by your bank and bank will deduct the EMI amount every month from your account, if EMI is approved.
• That the conversion of the Transaction Amount into EMI as per the tenure and the rate of interest selected by you, is the sole discretion of the bank as per its internal policies and the merchant and the payment facilitatorhereby disclaims any and all liability or responsibility regarding the same.
• That, in the event of cancellation of the transaction/return of the purchase, as per the cancellation/return/refund policy of the merchant, You further agree and acknowledge that the EMI closure shall be at the sole discretion of the bank as per the terms agreed between you and your bank, including but not limited to charging of any foreclosure charges or other charges by the bank. The merchant and the payment facilitatordisclaims any and all liability or responsibility in this regard. The interest or taxes charged by the bank will be not refunded by Merchant or the payment facilitator.
• That the banks issuing the debit cards reserve the right to charge Goods and Services Tax (GST) or other applicable taxes on the Transaction Amount which are converted into EMIs.
• That the merchant or the payment facilitator has no role to play pertaining to the Debit Card including but not limited to its issuance, approval, any extension, pre-closure, or closure of any facility using the Debit Card and such matters are solely determined by the Bank.
• That your use of the debit card issued by your bank, is also governed by the terms and conditions of the agreement between you and your Bank.
• That all disputes between you and the bank, or, any query with regard to your debit card or the EMI Scheme opted by you, shall be addressed by your bank only and you hereby confirm to keep the merchant and the payment facilitator and their respective directors, employees completely indemnified in this regard. The merchant and the payment facilitator shall not be liable to mediate, resolve or address any dispute or disagreement between you and your Bank with regard to the debit card issued by you, or, with regard to the conversion of the transaction done by you into EMI.
• That the bank shall be solely responsible for recovering of any outstanding amount regarding the loan facility granted to you by the bank under the EMI Scheme. The merchant and the payment facilitator disclaims any and all liability or responsibility regarding the recovery/legal action initiated by the bank in case of delayed payment/non payment of any outstanding amount by you.
• You provide your unconditional, irrevocable and unequivocal consent and authorization to the merchant and the payment facilitator to share your information; including but not limited to your personal information, the Transaction Amount, the EMI Scheme selected by you, the EMI tenure and rate of interest selected by you; with your bank and you agree and understand that the same may be used by your bank for converting the Transaction Amount into EMI.
• You confirm that you have read and fully comprehended the various available EMI Schemes for conversion of your Transaction Amount into EMI, including but not limited to the total loan amount, Interest Rate, the EMI payable to the Bank and the loan tenure.
• ICICI Debit Card Holders: In addition to T&Cs already captured, you agree to following T&Cs:
  • No Minimum balance required. There is no amount blocked on your account.
  • You confirm that you have verified the total loan amount, tenure, interest rate and EMI value on payment page.
  • For transaction done on or before 15th of the month, the EMI amount will be charged on your ICICI Bank account between 3rd to 7th of next month
  • For transaction done after 15th of the month, the EMI amount will be charged on your ICICI Bank account between 3rd to 7th of the month after next
  • Please maintain sufficient balance from 3rd onwards to avoid any late fee
  • For the purpose of providing an EMI on debit card, the bank is required to confirm your mobile number registered with the bank, this is the same mobile number registered with your merchant login account.Bank is also required to confirm your eligibility grading with the merchant.
  • Processing Fee of Rs 199 is Applicable for EMI transactions on ICICI Bank Debit Cards
  • The detailed T&C for EMI on Debit card facility has been made available on ICICI Bank website: https://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Debit-Card/emi-debit-card.page
  • For Instant Discount Campaigns, Foreclosure charges will be applicable even if customer wants to cancel EMI within 15 days
• HDFC Debit Card Holders: In addition to T&Cs already captured, you agree to following T&Cs:
  • Convenience/Processing Fee – Customer will be charged a Processing Fee + GST on their HDFC Bank Debit Card EMI loan. The fee will be Rs. 299 (plus GST) or less will be applied at transaction level.
  • The detailed T&C for consumer durable and lifestyle product loan/Debit card EMI loan at: Click here
  • Schedule of charges applicable at: Click here
  • In the event of queries related to cancellation of the EMI/refund amount in case of returns/EMI processing/Charges or taxes levied by the bank , please contact HDFC Bank Customer Card directly at : 18002678678
• That by availing EMI option you will deemed to have accepted these EMI T&Cs.