Terms & Conditions

IndusInd Bank and Ixigo: Credit Card EMI Offer

Offer Details:

Offer duration: 15th October to 31st October 2026.

Offer valid once per card per category during the campaign period.

Offer Details

• The customer will get an option of Additional Saving on 3 months tenure + Instant Discount (as per the details mentioned in the above table) on EMI transactions using IndusInd Bank Credit Cards.

Steps to avail the offer

• The offer is valid on IndusInd Bank Credit Card EMI transaction only.
• The customer needs to pay using EMI option available on IndusInd Bank Credit Cards on Ixigo.
• The offer can be availed on the Ixigo a website and the Ixigo app.
• The offer can be availed once per card, per category, per month during the offer period.
• The offer cannot be clubbed with any other deal code running on Ixigo.

What is Additional Savings on EMI?

• Under the Additional Savings on EMI offer, Monthly EMI = Total product price ÷ EMI tenure in months
• The EMI processing fee charged by the bank is not covered under the Additional Savings on EMI Cashback Offer. Such processing fee will be charged separately by the bank along with the first EMI installment as a one-time charge.
• The discount amount shall be equivalent to the total interest payable on the EMI. Any GST applicable on the interest amount is not covered under the Additional Savings on EMI Cashback Offer.

Illustrative Example

• You purchase a ticket worth ₹30,000 using the Additional Savings on EMI option for a tenure of 3 months. An amount of ₹30,000 will be blocked on your card by Ixigo.
• The bank will convert the transaction into EMI within approximately 4–7 days.
• A discount equivalent to the total 3-month interest amount (₹854) will instantly credited. This effectively reduces a loan amount of ₹30,854 (principal + interest) to ₹30,000.
• GST of ₹154 on the interest amount of ₹854 will be charged by the bank. Therefore, the total cost borne by the cardholder will be ₹30,154 (ticket price + GST).
• The discount provided under the Additional Savings on Credit Card payment option is offered exclusively by Ixigo and should not be construed as an EMI or interest waiver provided by the bank.
• The cardholder shall be required to pay the applicable EMI and interest on the total transaction value to IndusInd Bank in accordance with the terms governing the Credit Card.
• The cardholder shall also be responsible for the applicable bank convenience fees (₹249+GST) associated with EMI transactions.

Terms and Conditions

• The offer is NOT applicable on part payment transactions.
• The offer is NOT applicable on transaction made partially or completely using Gift Cards.
• In case there is more than one offer available simultaneously from a Bank, no two offers can be combined by the customer.
• For Flights, instant discount will be calculated on the booking amount (excluding convenience fee and any ancillaries purchased, such as meals, insurance).
• The offer is not valid on multi-city flights. These flights are booked through multi-city tab on website.
• The offer is valid on international flight bookings originating from India.
• For Hotels, Villas & Apartments, Instant discount will be calculated on the property’s basic price (pre-tax price).
• The offer is valid on select hotels.
• The offer not valid on “Pay at Hotel” bookings.
• The offer is not applicable on payments made through IndusInd Bank Debit Cards, IndusInd Bank Internet Banking, Debit Card, third party wallets and Gift Cards.
• In the event of full or partial cancellation the offer stands void, and customer will no longer be eligible for the discount. The customer needs to contact IndusInd Bank for cancellation of the EMI. Applicable foreclosure, interest and other charges will be applied by the bank for EMI cancellations. Contact your bank to know more about the charges.
• In case the customer cancels the booking after availing the discount, Ixigo will deduct the discount amount from the refund and cancellation charges would apply.
• In case of a rescheduling, the customer has to bear the fare difference and any other rescheduling or cancellation charges.

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