Bank EMI Terms & Conditions:

• This offer is applicable on EMI transactions done on EMT website/App using EMI payment option on EMT website/App.
• Offer is applicable on EMT website/App only.
• Offer is applicable on select tenures.
• Processing fee of 1% of the transaction value (minimum Rs.99) plus taxes will be charged on EMI processing.
• This offer cannot be clubbed with any other offers and promotions across the stores.
• A card can be used only one time during the offer period. A customer will be eligible for the discount only once during the offer period.
• Offer is subject to brand discretion, please inquire at the store for offer availability before the purchase.
• The Offer is made solely and entirely by IDFC FIRST Bank Ltd. (“Bank”) to the Bank’s Credit Cardholders (“Customers”), who have received communication by the Bank through emailer, SMS, Push Notification and / or any other direct communication channel intended for the customer only.
• The Offer is non-transferable, non-cashable and non-negotiable.
• The offer validity, minimum purchase and maximum discount criteria of the offer, as mentioned in the communication received by you, will be applicable.
• Any customer eligible for the offer shall be deemed to have read, understood and accepted these terms and conditions, the offer terms and conditions mentioned in the Emailer, SMS, PN and/or banner, as well as, general terms and conditions of the Bank, before availing the Offer.
• The Bank reserves the right to disqualify any Customer from the benefits of the Offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Offer.
• The Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or withdraw this Offer altogether.
• The Bank holds out no warranty and makes no representation about the quality, delivery or otherwise of the goods and services offered by any merchant with regards to this offer. The Customer is expected to take any grievance, pertaining to quality, delivery or any other issue of purchased goods and services, to the respective merchant and not to the Bank.
• The decision of the Bank limited in all matters in connection with and incidental to this Offer is final and shall be binding on all persons.
• Disputes, if any, arising out of or in connection with or as a result of above Offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai.
• All taxes, duties, levies or other statutory dues and charges payable in connection with the offer shall be borne solely by the Customer and the Bank will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.

Standard Bank Terms and Conditions

1. I confirm that I have chosen EMI as the payment option to complete this transaction.
2. I understand that a processing fee of 1% of the transaction amount (minimum Rs.99) plus taxes will be charged on this EMI transaction and transaction will be processed in 3 working days. I further acknowledge that in case of EMI transactions requested and processed on EaseMyTrip, the processing fee charged will be Rs. 199/- + GST. 
3. Bank has the sole right to decline or accept any EMI conversion request subject to the eligibility of the customer.
4. I understand that the EMI amount will be a part of the Minimum Amount Due payable during the EMI tenure.
5. 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.
6. Pro-Rated interest is the interest amount applicable for period between EMI conversion date and date of foreclosure in case no EMI is billed.
7. 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.
8. 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.
9. 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.
10. GST will be applicable on interest; Processing fee and Foreclosure charges will be billed separately along with respective charges.
11. I understand that in a No-Cost or Low-cost EMI transaction the merchant gives the Instant discount amount to cover the complete or partial amount of interest levied by the bank.
12. 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.
13. I understand that Bank reserves the right to reverse any benefit availed by me, as instant discount, in case the EMI transaction is foreclosed.