Frequently Asked Questions

What is the offer?

• Under this offer, customers will get a discount upfront equal to the EMI interest cost charged by HDFC Bank Debit cards. This offer is applicable on select Large Appliances, Mobiles, Electronics and Furniture only.

What is the offer duration?

• The offer will start from 00:00 hours on 22nd August 2020 and end at 23:59 hours on 31st August 2020 till stocks available (Offer Period).

How do I check if I am eligible for this offer?

• If you are eligible to avail a No Cost Debit EMI, you will be able to view this payment option on your payment page. This offer will not reflect on the payment page for customers who are not eligible. Please check this before making the purchase.

Is there any minimum transaction amount to avail this offer?

• Yes, the minimum transaction amount to avail this offer is Rs 4,999 for HDFC Bank Debit Card customers.

How do I check if a product is eligible?

• Offer will be listed on product page, for all eligible products. Please check before making the purchase.

Will I get the offer if I pay through Flipkart Gift Card partially?

• Yes, you can avail the offer in this case. In this case, offer will only apply on the amount paid through HDFC Bank Debit Cards against the eligible product(s). Also, this amount should be equal to or more than Rs 4,999

How many times can this offer be availed?

• There is no limit on number of transactions on which you can avail this offer, if you are an eligible customer.

Offer Details

• Under this Offer, Cardholders will get a No Cost EMI offer on EMI transactions made using their HDFC Bank Debit Cards (for customers eligible for Debit Card EMI), during the Offer Period.
• Only a select base of pre-approved customers will be eligible for No Cost EMI offer on their HDFC Bank debit card on eligible products. These customers will be able to view the offer on their payment page. No other customers will be able to avail of this offer.
• The Offer will commence at 00:00 hours on 22nd August 2020 and end at 23:59 hours on 31st August 2020 till stocks available (Offer Period).
• The Offer is valid for Debit Card EMI transactions with tenure 3 & 6 months only.

Terms and Conditions

• No Cost EMI payment option is available for a select base of customers, on select products sold by select sellers only.
• Only a select base of pre-approved customers will be eligible for No Cost EMI offer on their HDFC Bank debit card. These customers will be able to view the offer on their payment page. No other customers will be able to avail of this offer.
• Any person availing this Offer shall be deemed to have accepted these terms and conditions.
• Bank and Flipkart reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary 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 it altogether.
• 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 Flipkart to conduct further, similar or other offers.
• The above Offer is by way of a special offer for Bank Debit Card holders 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.
• The discount applicable on opting for ‘No Cost EMI on Debit Card’ is being offered exclusively by brands and does not amount to EMI/interest waiver extended by the bank
• I understand and confirm that I will need to pay applicable EMI and interest on total value of the order at the time of payment to the bank in accordance with the terms applicable to the debit card. The interest cost charged by the bank over time is being given back to me upfront at the time of this purchase and netted off in the Invoice amount.
• The discretion to allow the payment lies with the bank issuing the debit card. Flipkart will have no obligation or liability in the event the bank refuses to process the transaction for any reason.
• The Bank charges annual interest rates according to the reducing monthly balance. In the monthly reducing cycle, the principal is reduced with every EMI and the interest is calculated on the outstanding balance
• I understand that if I fail in timely payment of EMI, there may be additional interests/penalty which may be levied by the bank which may be higher than the discount offered under this scheme
• The minimum order value to avail the debit card EMI payment option is Rs 4,999
• Any returns/cancellation will be as per Flipkart’s return/cancellation policy. In case of any kind of return/refund in an EMI transaction, interest already billed in a particular transaction will not be refundable under any circumstances.
• Flipkart will not charge a processing fee for availing EMI option. Bank may however charge processing fee or cancellation charges as per the banks policies. Such charges shall be paid by me and will not be refundable even in the event of return/cancellation of the order.
• I may check with the respective bank/issuer on how a cancellation, refund or pre-closure could affect the EMI terms, and what interest charges would be levied on me for the same.
• Flipkart retains the right to modify or cancel this scheme at its sole discretion.
• I understand that for select products there may be a constraint on number of purchase transactions that can be made per debit card. Also, there may be a constraint on the maximum number of products that can be purchased under No Cost EMI in a single transaction.
• Bank does not endorse any of the products or brands being offered under the Program and will not accept any liability pertaining to the quality, merchantability, fitness, delivery or after sales service of such products which shall be at the sole liability to sellers on the Platform.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website, are representative only and may not bear a resemblance to the actual products. None of the parties shall under any circumstances be responsible towards the same.
• Products offered under this program are subject to availability from the respective participating merchants/sellers on the Platform and accordingly Bank or Flipkart in no circumstances shall be liable for non-availability of any of the products.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by Bank or by Flipkart.
• Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for the Offer
• Bank will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by seller(s) on products/services made available by it and the same shall be at the sole risk and consequences of such seller(s) and without reference to Bank.
• By participating in this Offer you agree to be bound by these terms and conditions of the Offer, standard terms and conditions, terms of use, privacy policy (subject to change) of the Platform and the terms and conditions of respective seller shall be applicable on the Cardholder.
• The Cardholder shall indemnify and hold Flipkart, Bank and/ or seller(s) harmless against all damages, liabilities, costs, expenses, claims, suits and proceedings (including reasonable attorneys fee) that may be suffered by Flipkart, Bank and/ or seller as a consequence of (i) violation of these terms and conditions, of the terms of user agreement, privacy policy (subject to change) published on the Platform, by Cardholder; (ii) violation of applicable laws by Cardholder; and (iii) any action or inaction resulting in willful misconduct or negligence on the part of the Cardholder.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Offer.
• This Offer shall be subject to all applicable laws, rules and regulations which are in existence and which may be promulgated anytime by any statutory authority.
• All liability with respect to the products purchased lies with the respective sellers and neither Flipkart nor Bank shall be in any way responsible for the same.
• This Offer is valid only in India. The minimum age of such Cardholder shall be 18 years.
• Further, as required by applicable law, in the event that the Cardholder makes a purchase of an amount equal to or above Rs. 2,00,000, the Cardholder will be required to upload a scanned copy of his/her PAN card on the Platform, within 4 days of making the purchase, failing which, the purchase made by the Cardholder will be cancelled. The requirement to submit the PAN card arises only once and if it has been submitted once by the Cardholder, it need not be submitted again. The order of the Cardholder will be cancelled if there is a discrepancy between the name of the Cardholder and the name on the PAN Card.
• This document is an electronic record in terms of Information Technology Act, 2000, and the Rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.