Terms & Conditions

Processing Fee Back Offer - CRED IndusInd Bank RuPay Credit Card

Offer Details:

• Get 100% of the processing fees back for EMI transaction done on Amazon or Flipkart app/Website.

Offer Period – 8th Oct’26 to 10th Nov’26.

• The offer is valid only on eligible purchase transactions made during the offer period through the merchant's website, mobile application, or other digital platforms.
• Customers can visit the Amazon or Flipkart website/app and make purchases using an eligible CRED IndusInd Bank RuPay Credit Card to avail of this offer.
• EMI processing fee of ₹249 will be reimbursed in the form of CRED IndusInd Reward Points.
• Eligible reward points will be credited within 40 days of successful transaction.
• The CRED IndusInd Reward Points credited under this offer shall be directly credited to the cardholder's CRED account linked to the eligible CRED IndusInd Bank RuPay Credit Card.
• This offer is applicable only on 3-month and 6-month EMI tenures and is valid exclusively on the CRED IndusInd Bank RuPay Credit Card.
• Reward points under this offer will be provided only against the processing fee. Any Goods and Services Tax (GST) levied on the processing fee is excluded from the offer and shall be borne by the customer.
• Interest charged on EMI transactions is not covered under this offer.
• No additional reward points shall be awarded on transactions made under this offer.
• Participation in this offer constitutes acceptance of these Terms & Conditions as well as the applicable Standard Terms & Conditions of IndusInd Bank.
• If the Credit Card is closed before all EMI instalments have been billed, the outstanding amount under the Merchant EMI plan will be debited as a lump-sum amount to the Cardholder's Credit Card account.
• Any reward points earned on a transaction that is subsequently converted into EMI will be reversed upon successful EMI conversion. Such reward points will not be reinstated if the EMI is later cancelled or pre-closed.
• In the event of EMI cancellation, return, foreclosure, or pre-closure, applicable foreclosure charges, processing fees, and other related charges may be levied. Any instant discount, cashback, or promotional benefit availed under this offer may also be reversed and charged back to the Cardholder's account.
• If a transaction converted into EMI is subsequently refunded or reversed, the EMI arrangement will continue unless the Cardholder requests cancellation or pre-closure by contacting Customer Care.
• GST, as applicable under prevailing laws, will be charged on the processing fee, pre-closure fee, and interest component of the EMI. Such taxes are subject to change as per regulations issued by the Government of India and/or the Reserve Bank of India.
• IndusInd Bank and CRED reserve the right to modify, extend, suspend, or withdraw this offer, and to disqualify any Cardholder in cases of misuse or suspected fraudulent activity, at their sole discretion and without prior notice.

Definitions

Unless the context otherwise requires, the following terms shall have the meanings assigned below:

• "Bank" means IndusInd Bank Limited.
• "Cardholder" means a person holding a valid IndusInd Bank Card that is eligible for the relevant offer.
• "Offer" means any promotional offer made available by the Bank in association with a Merchant.
• "Offer Period" means the period during which the relevant Offer remains valid, as communicated by the Bank and/or the Merchant.
• "Merchant" means any establishment, retailer, service provider, platform, website, application, or other entity participating in the Offer.
• "Eligible Card" means an IndusInd Bank Card designated as eligible for a particular Offer.
• "Transaction" means a purchase transaction carried out using an Eligible Card and excludes fees, charges, interest, cash withdrawals, reversals, refunds, disputed, cancelled, fraudulent, and unauthorized transactions.
• "Communication" means any communication issued by the Bank to customers through SMS, email, website notifications, mobile applications, statement inserts, digital channels, social media platforms, or any other mode of communication.

General Terms & Conditions

• The Card account must be active, valid, and in good standing to qualify for any offer.
• Offers are applicable only to Eligible Cards and Eligible Transactions as specified in the relevant Offer Terms & Conditions.
• The Offer Period shall be communicated by the Bank and/or Merchant from time to time.
• Participation in any Offer is voluntary and shall constitute acceptance of the applicable Offer Terms & Conditions together with these Standard Terms & Conditions.
• Any benefit available under an Offer is non-transferable, non-negotiable, and cannot be redeemed for cash unless expressly stated otherwise.
• The Merchant and/or the Bank reserve the right to add, alter, amend, modify, withdraw, suspend, extend, or terminate any Offer and/or these Terms & Conditions at any time without prior notice and without assigning any reason.
• The Bank reserves the right to disqualify any Cardholder from availing the benefits of an Offer if fraudulent activity, misuse, abuse, suspicious activity, or any breach of the applicable Offer Terms & Conditions is identified.
• The Bank shall not be responsible for any failure on the part of the Merchant to honour the Offer.
• The Bank does not endorse any product or service offered by a Merchant and makes no representation regarding the quality, merchantability, suitability, availability, delivery, warranty, or after-sales service of any such product or service.
• Any dispute relating to product quality, service quality, delivery, fulfilment, warranty, replacement, refund, or customer service shall be resolved directly between the Cardholder and the Merchant, without any involvement of the Bank.
• The Bank shall not be liable for any loss, damage, claim, cost, charge, or expense arising out of or in connection with goods purchased or services availed under any Offer.
• The Bank shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or in connection with any Offer.
• The Bank shall not be responsible if an Offer cannot be availed due to technical issues, including but not limited to system failures, communication network disruptions, internet congestion, downtime, force majeure events, or any other circumstances beyond the Bank's reasonable control.
• Images used in promotional materials are for illustrative purposes only.
• The Offer shall not be available where prohibited by applicable law or regulation.
• All logos, trademarks, and brand names used in connection with an Offer are the property of their respective owners and their use shall not imply any endorsement by the Bank.
• The Cardholder agrees to indemnify and hold harmless the Bank and the Merchant against any claims, losses, damages, liabilities, costs, and expenses arising from any breach of these Terms & Conditions, violation of applicable laws, or misuse of the Offer by the Cardholder.
• The Bank's decision in all matters relating to an Offer, including eligibility determination, interpretation of terms, and resolution of disputes relating to Offer benefits, shall be final and binding.
• Products and services made available under any Offer are subject to availability with the Merchant.
• All taxes, duties, levies, GST, or any other statutory charges payable in connection with the Offer shall be borne solely by the Cardholder.
• If a Cardholder ceases to be a customer of the Bank, or if the Card account is blocked, cancelled, suspended, delinquent, or closed during the Offer Period, the Bank reserves the right to withdraw the Offer benefit.
• These Standard Terms & Conditions are supplementary to, and not in substitution of, the Cardmember Agreement, Most Important Terms & Conditions (MITC), and all other applicable terms governing the use of IndusInd Bank Cards.
• In the event of any inconsistency between the Offer-specific Terms & Conditions and these Standard Terms & Conditions, the Offer-specific Terms & Conditions shall prevail to the extent of such inconsistency.
• These Terms & Conditions shall be governed by and construed in accordance with the laws of India