Terms & Conditions

IndusInd Bank and MakeMyTrip: Credit Card EMI Offer

Offer Details:

Offer valid once per card per category per month.

Offer Details

• Customers can avail Additional Savings on 3 or 6 month EMI tenure along with an Instant Discount (as specified in the table above) on eligible EMI transactions made using IndusInd Bank Credit Cards.

Steps to avail the offer

• To avail the offer, customers must enter the applicable coupon code mentioned in the table above in the coupon code field.
• Offer is valid only during the period specified above (both dates inclusive), between 00:00 Hours and 23:59 Hours.
• Offer is applicable only on payments made through IndusInd Bank Credit Card EMI transactions.
• Offer is valid on bookings made through the MakeMyTrip website, mobile website, Android app, and iOS app.
• Offer is valid for one booking per card, per category, per month.
• Offer is not applicable on payments made through Debit Cards, My Wallet (MakeMyTrip Wallet bonus balance), third-party wallets, Gift Cards, or the IndusInd Bank NetBanking payment option.

Terms & Conditions - Flights

• For flight bookings, the discount will be calculated on the booking amount excluding convenience fees, taxes, and any ancillary purchases such as meals, insurance, etc.
• Offer is not valid on bookings made through the "Multi-City" tab on the MakeMyTrip website.
• This offer cannot be combined with any other offer available during the offer period.

Terms and Conditions - Hotels

• The offer is valid on selected properties.
• For Hotels, Villas and Apartments, the discount is to be calculated on hotel base price (pre-tax price).
• The offer is not valid on pay at hotel bookings.

Terms and condition - Holidays

• For Holidays, Instant discount is calculated on base fare (excluding ancillaries, insurance, convenience fees).
• MakeMyTrip sponsored partial payment option shall not be available under this offer.

Terms and Conditions in case of cancellation

• In the event of a partial or full cancellation, the offer shall become void, and the customer will not be eligible for the discount.
• In case of rescheduling or cancellation, the customer shall bear the applicable fare difference (whether in the base fare or taxes and surcharges) along with any rescheduling or cancellation charges.

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 MakeMyTrip.
• 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 be 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 MakeMyTrip 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.

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