Terms & Conditions

IndusInd Bank x Flipkart: Credit Card EMIOffer

Offer Details:

• 10% Instant Discount up to INR 1,250 on IndusInd Bank Credit Card EMI transactions on purchase of select products.
• Additional Instant Discount of INR 2750 on IndusInd Bank Credit Card EMI transactions on purchase of select products.
• The offers will apply on purchase of select products only. Please check if the offer is listed on the product page, before making the purchase.

The bank offer discount that you are able to see on the Product page is applicable on select cards. To check if the discount is applicable on your card, enter the card details on the 'Payment' page and check the discount applied.

Offer Period – 5th Sep’26 to 15th Sep’26

Offer Benefits?

Base Offers -

Categories: Sitewide excl. Grocery and Minutes

Construct -

• Category: Mobiles 
  • Min Transaction Value: INR 4,990
  • Max Discount (3 Month and Above  EMI Txns): INR 750
• Category: Sitewide excl. Grocery and Minutes 
  • Min Transaction Value: INR 4,990
  • Max Discount (3 Month and Above  EMI Txns): INR 1,250
• Maximum Base Offer Discount per Credit Card: INR 1,250

Bonus Offer

Categories: Sitewide excl. Grocery and Minutes

Construct - Additional Discount of INR 2750

• Stepper 1
  • Category: Sitewide excl. Grocery and Minutes
  • Min Transaction Value: INR 24,990
  • Max Discount (3 Month and Above  EMI Txns): INR 500
  • Maximum Stepper 1 Offer Discount per Credit Card: INR 500
• Stepper 2
  • Category: Select Products
  • Min Transaction Value: INR 39,990
  • Max Discount (3 Month and Above  EMI Txns): INR 1,250
  • Maximum Stepper 2 Offer Discount per Credit Card: INR 1,250
• Stepper 3
  • Category: Select Products
  • Min Transaction Value: INR 59,990
  • Max Discount (3 Month and Above  EMI Txns): INR 1,000
  • Maximum Stepper 3 Offer Discount per Credit Card: INR 1,000
• Maximum Bonus Offer Discount per Credit Card: INR 2750.

What are the eligibility conditions?

• In the event the customer returns any/all products in the order placed during the Offer Period, thereby not maintaining the minimum purchase value, as required to avail the Offer, he/she shall not be eligible for the Offer. Accordingly, the amount availed as a discount under the Offer shall stand deducted from any refund(s) processed for the returned product(s).
• If an order is cancelled, the offer may take up to 24 hours to refresh for the customer to utilise it again.

How many times can this offer be availed?

• There is no limit on the number of transactions to avail the Base Offer discounts, however the Maximum discount per card is capped at INR 1,250.
• The Bonus Offer can be availed only once per card during the offer period.
• Maximum Discount per card is a cumulative savings across all platforms of Flipkart.

How do I check if a product is eligible?

• This offer is applicable on purchase of select products.
• Offer will be listed on the product page, for all eligible products. Please check before making a purchase.

Is the offer applicable on all IndusInd Bank Transactions?

• This offer is applicable on all IndusInd Bank Credit Card EMI transactions except transactions made through IndusInd Debit Cards or Corporate Cards.
• Offer is NOT applicable on transactions made through Internet Banking or UPI payment option.
• The offer can be redeemed only in serviceable pin codes as per Government guidelines.

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

• Yes, you can avail the offer and the offer will only apply on the amount paid through IndusInd Bank against the eligible product(s).
• This amount should be equal to or more than INR 4,990 for all categories for the Base Offers.
• This amount should be equal to or more than INR 24,990 for Stepper 1, INR 39,990 for Stepper 2 and INR 59,990 for Stepper 3 for the Bonus Offer.

How do I avail the offer:

• Under this Offer, Cardholders will get 10% Instant Discount up to INR 1,250 on purchase of select products.
• Additional Discount of INR 2,750 on purchase of select products.
• The discount will be applied to the Net Cart Value (NCV). NCV shall mean the total value of only the eligible product/s in the cart after all applicable discounts and exchange offer redemptions.
• The minimum Net Cart Value (NCV) to avail the Base Offer on all Categories is INR 4990.
• The minimum Net Cart Value (NCV) to avail the Bonus Offer is INR 24,990, 39,990 and 59,990.

Offer Discount shall be applicable as follows:

• Base Offer: Maximum discount per card is capped at INR 1,250.
• Bonus Offer: Maximum discount of Flat INR 2,750 can be availed only once per card during the offer period.
• The offer is applicable at www.flipkart.com, m.flipkart.com & Flipkart mAPP (mobile Application).
• The offer is not applicable on payment made via Net Banking or UPI.
• Discount will be calculated on the net paid amount by the customer post any other discounts, exchange offer redemptions and refunds.

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 eligible for the respective offer.
• "Offer" means any promotional offer made available by the Bank in association with a Merchant.
• "Offer Period" means the period during which the respective Offer is valid, as communicated by the Bank and/or Merchant.
• "Merchant" means any establishment, retailer, service provider, platform, website, application or entity participating in the Offer.
• "Eligible Card" means an IndusInd Bank Card specified 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 sent by the Bank to customers through SMS, email, website, mobile application, statement inserts, digital channels, social media, or any other mode.

General Terms & Conditions

• The card account must be active, valid, and in good standing to be eligible for any offer.
• Offers are applicable only on Eligible Cards and Eligible Transactions as specified in the respective Offer Terms & Conditions.
• The Offer Period shall be as communicated by the Bank and/or Merchant from time to time.
• Participation in any Offer is purely voluntary and shall be deemed acceptance of the applicable Offer Terms & Conditions and these Standard Terms & Conditions.
• Any benefit under an Offer is non-transferable, non-negotiable and cannot be exchanged for cash unless specifically 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 any fraudulent activity, abuse, misuse, suspicious activity or violation of the Offer Terms & Conditions is identified.
• The Bank shall not be responsible for any failure by the Merchant to honour the Offer.
• The Bank does not endorse any product or service offered by any Merchant and makes no representation regarding the quality, merchantability, suitability, availability, delivery, warranty or after-sales service of any products or services offered by the Merchant.
• Any dispute regarding product quality, service quality, delivery, fulfilment, warranty, replacement, refund or customer service shall be resolved directly between the Cardholder and the Merchant without any reference to the Bank.
• The Bank shall not be liable for any loss, damage, claim, costs, charges or expenses arising from or related to goods purchased or services availed under any Offer.
• The Bank shall not be liable for any indirect, incidental, consequential, special or punitive damages arising out of 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 failure, communication network failure, internet congestion, downtime, force majeure events, or any other reasons beyond the reasonable control of the Bank.
• Images used in promotional materials are for illustrative purposes only.
• The Offer shall not be available wherever prohibited under applicable law or regulation.
• Logos, brand names and trademarks used in relation to any Offer belong to their respective owners. Their use does not imply 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 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 any Offer, including determination of eligibility, interpretation of terms and resolution of disputes relating to Offer benefits, shall be final and binding.
• Products and services offered under any Offer are subject to availability with the Merchant.
• All taxes, duties, levies, goods and services tax, 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 in addition to and not in substitution of the Cardmember Agreement, Most Important Terms & Conditions (MITC) and other applicable terms governing the use of IndusInd Bank Cards.
• In case 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.
• The Offer shall be governed by and construed in accordance with the laws of India.
• In the event of cancellation or pre-closure of the EMI transaction, applicable foreclosure/processing charges may be levied and any instant discount/benefit availed will be reversed and debited to the card account.
• For detailed T&C’s, visit https://www.indusind.bank.in/in/en/personal/indus-easy-emi-tnc.html