Full Terms and Conditions

1. HDFC Bank Easy EMI Terms and Conditions

Charges involved on a Easy EMI transaction

1. Processing fees of INR 299 + GST
2. Gap Interest will be levied on First EMI calculated from the loan booking date to payment due date
3. GST will be levied on Processing Fee, Gap interest and Pre-closure fee as applicable

• In the Case of No Cost EMI benefit offered by Merchants, the interest that will be charged by the Bank for the EMI transaction will be provided as upfront discount at the time of transaction or during the loan booking as applicable by the transaction mode.
• Bank will continue to charge interest during the tenure opted by the customer at the annual interest rate by reducing balance method. In Monthly reducing balance cycle, the principle loan amount is reduced for every EMI paid and interest is calculated in the balance of outstanding principle loan amount to be paid.
• In the event of customer preclosing/ cancelling EMI on an originally Credit Card EMI or Debit Card EMI transaction, 'Pre-closure Interest charges' + 3% Pre-closure Fee on principle Outstanding (as applicable) will apply at the time of all Pre-closures.
• Benefits like payback / Instant discount etc offered by the merchant at the time of loan booking will be debited within 120 days of EMI closure. Cashback will be posted only those transaction for which loans are active as on posting date.
• Refer the link given below for detailed terms and conditions of EMI transactions.
  https://www.hdfcbank.com/personal/borrow/popular-loans/easy-emi/easyemi-on-consumer-durables
• This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Marriot, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, PhonePay, Snapdeal Cards for EasyEMI transactions on Credit Card

2. General Bank Terms and Conditions for Cards

• The offer is an instant discount and will be provided upfront at the time of purchase.
• HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the Card Holder/s with the partner directly without any reference to HDFC Bank.
• HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts / gift vouchers availed by the Card Holder/s under the said Offer offered by the partner
• HDFC Bank shall not be held liable for any delay or loss that may be caused in delivery of the services.
• This Offer is made available to the Customers selected at the discretion of HDFC Bank.
• The offer cannot be combined with any other offer
• If promo code is mentioned as part of the communication (please refer Offer details tab) then customer has to use the code to avail the offer; in case the code is not used Discount/ Cashback cannot be credited back to customer at a later date.
• Any person availing this offer shall be deemed to have accepted these Terms and Conditions.
• HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.
• Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.
• Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.
• Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.
• HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.
• Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.
• This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC, IOCL, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, Marriott, PhonePay, Snapdeal Cards for regular full swipe transactions
• This offer is non-cashable, not extendable, and non-negotiable.
• Purchases eligible for Instant Discount/ Cashback on HDFC Bank Credit Card will not qualify for Reward Points. The same will be reversed within 120 days of end of cashback posting month or end of offer month for Instant discount offers.
• If a card member has more than 1 (one) HDFC Bank Credit/Debit Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.
• The above offer is by way of a special offer co-funded by the Bank & Merchant for select HDFC Bank Credit/Debit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.
• All disputes, if any, arising out of or in connection with or because of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.
• Any query regarding the program will be entertained till 60 days from the posting date. After said date the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.
• Any Tax, service charge or other charges levied with regards to the Promotional Offer, may be borne by the Card Holder / winner.