Axis Bank Debit Cards EMI Offer - Terms & Conditions
1st January 2020 – 31st January 2020

Offer details:- 

7.5% Cashback Min Transaction Amount - RS 25,000, Max Cashback Rs. 3,000

Offer Applicable only on Debit Card EMI Transactions

The offer will be applicable on 3,6,9,12, 18 & 24 months

Terms and Conditions of Debit Card EMI:

1. Check offer Debit card EMI eligibility: SMS DCEMI<space><last 4 digits of Debit card> to 5676782 from registered mobile number
2. Maximum 1 transactions/Card are eligible for cashback during the offer period.
3. The cashback is applicable on a single transaction and bills cannot be clubbed to avail the same
4. Cashback transaction will be credited after 90 days post offer end date on a best effort basis. The cashback will be processed at Card level.
5. Only a select base of pre-approved customers will be eligible for this offer on their 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
6. In case there is more than one offer available simultaneously from Axis, no two offers can be combined by the participant.
7. This offer is valid on all Axis Bank Debit Cards. This offer is not valid on NR and Corporate Debit Cards.
8. Offer is open to Indian residents holding a valid Axis Bank Debit Card to whom communication is sent either by Axis and/or merchant.
9. Offer is void wherever prohibited by Law.
10. Purchases made before or after the offer period shall not be eligible.
11. ROI for Debit Card – 3 & 6 months will be 14% and 16% for 9 and 12 months. ROI will be informed at the Payment counter before completing the transaction. The ROI is subject to change in any point in time at banks discretion and it will be informed to the merchant.
12. All other EMI terms and conditions remain the same. Please refer - https://www.axisbank.com/retail/cards/Debit-card/useful-links/card-services/convert-purchases-into-emis

Standard Chartered Bank Credit & Debit Cards  - Terms & Conditions
Tuesday Only

Valid up to 31st January 2020

1. This marketing program (“Program”) is from Standard Chartered Bank Ltd under an arrangement with Infiniti Retail Ltd., (“Merchant”) and is open to all residents of India holding Standard Chartered Bank debit or credit card.
2. The Validity of the Program (“Term”) is from 1st January 2020 – 31st January 2020(Both days included), unless extended by Banks & Merchant.
3. Under this program:
4. For transaction amounting to Rs. 20,000 & above with the card, participating Bank cardholder can avail of a 5% Cashback on qualifying transaction at Croma store and / or croma.com each Tuesday.
5. Maximum Cashback on each Tuesday is capped at Rs. 3,000 at card level
6. The cashback offer will be applicable on both debit and credit card
7. This Program is not applicable on Corporate or business cards.
8. Cashback programme is also applicable on e-Commerce transactions done on www.croma.com
9. Cashback will be credited to the card account within 90 days from the date of transaction
10. Cashback is also applicable on EMI transactions on credit cards.
11. Offer cannot be combined with brand EMI offer
12. All queries related to the Program will be entertained only till 31st January 2020
13. All the queries related to cashback credit will be addressed by respective Banks directly and Infiniti retail Ltd will have no role in issue resolution
14. The Exclusive offers/discounts under these Programs cannot be clubbed with any other offer or discount extended by the participating banks as part of any other arrangement.
15. All the existing offers, gifts, discounts etc., that are being offered can be availed by the Cardholders apart from this exclusive offer as mentioned in the communication.
16. Products offered under this program are subject to availability from the respective participating outlets of Merchant and accordingly Banks in no circumstances shall be liable for non-availability of any of the products.
17. Under no circumstance will the offer being offered under this Program be settled with cash in lieu by Bank or by Merchant
18. 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 Programs were offered.
19. Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by Banks for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The place of arbitration shall be Mumbai and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against Bank.
20. Banks reserves the right to modify or change any of the terms and conditions applicable to this Program at any time with/without prior notice to the cardholders.

Note: Croma is a participating company as per the commercial between Standard Chartered Bank Ltd and Infiniti Retail Ltd.

American Express Cards - Terms & Conditions

Wednesday Only 
Valid up to 31st March 2020

1. This marketing program (“Program”) is from American Express under an arrangement with Infiniti Retail Ltd., (“Merchant”) and is open to all residents of India holding a valid and current American Express Card (“Cardholder”)
2. The Validity of the Program (“Term”) is for every Wednesday between 11th December 2019 – 31st March 2020, unless extended by the Parties and Merchant.
3. Get 5% Instant Discount on Non-EMI purchases of Rs.20,000 & above every Wednesday.
4. Get 5% Cashback on EMI purchases of Rs.20,000 & above every Wednesday at offline stores on American Express Consumer Credit Cards.
5. This offer is valid for from 11th December 2019 to 31st March 2020.
6. The offer is only available on Wednesdays and won’t be applicable on any other day of the week.
7. The instant discount through Non-EMI transaction can be availed only once per card each Wednesday.
8. The cashback through EMI transaction can be availed only once per card each Wednesday.
9. The maximum discount that can availed under this offer per transaction will be up to Rs. 2,500.
10. The maximum cashback that can availed under this offer per transaction will be up to Rs. 2,500.
11. There is no limit on the number of time that the card member can avail the offer during the period.
12. The minimum transaction value of Rs.20,000 is inclusive of other offers and discounts availed by the cardmembers.
13. The offer is also valid on EMI transaction, American Express EMI Terms and conditions will apply (https://www.americanexpress.com/india/membershiprewards/cardmember_offers/terms.html).
14. The offer is available on all EMI tenures.
15. Offer cannot be combined with Brand offer.
16. No two offers can be clubbed.
17. The cashback for EMI transactions will be credited in 90 Days from the date of transaction.
18. The discount offer can be availed by making transaction of Rs. 20000 or above at participating Croma store or at www.croma.com.
19. The cashback on EMI transactions is not valid on www.croma.com
20. Eligible bank customer has to select the bank offer on the payment page to avail the offer.
21. Non –eligible bank customer will receive appropriate error messages and can proceed without the instant discount.
22. Instant discount will not be extended for the customer if he/she fails to select the bank offer.
23. The offer is valid on the amount inclusive of taxes.
24. The offer is applicable above the existing offers and discounts offered on the website or In-store.
25. Infiniti Retail (Croma) & American Express reserve right to modify or end the offer during the campaign period.
26. In case of any dispute or queries related to the cashback offer, Cardmembers can raise their queries within 60 days of the transaction.
27. The offer is non-cashable, not extendable and non-negotiable.
28. There are no black out days.
29. For return and refund policies Cardmembers are requested to refer to Croma policy(https://www.croma.com/cancellation-and-return)
30. In case of any dispute or queries related to the offer, Cardmembers can reach out to Croma at 7207666000 within 60 days of the transaction.

American Express® Terms and Conditions

1. The Offer is open to all American Express Cardmembers whose accounts are valid and in good standing. An American Express Cardmember ("Cardmember") for the purpose of this Offer means a person holding a Card issued by American Express Banking Corp. in India. This offer is also valid for American Express Corporate Cards issued by American Express Banking Corp. in India.
2. This offer is not valid for Cards issued by a third party bearing the name or trademark or service mark or logo of American Express ("Network Cards ") issued in India."
3. The offer would be valid on above mentioned cards issued in India only
4. This offer is being made purely on a “best effort” basis. Cardmembers are not bound in any manner to participate in this offer and any such participation is purely voluntary.
5. American Express is neither responsible for availability of services nor guarantees the quality of the goods/services and is not liable for any defect or deficiency of goods or services so obtained/availed of by the Cardmembers under this offer. Any disputes with regard to the quality of goods/services availed shall be taken up with the merchant/service establishment directly. American Express shall have no liability whatsoever with regard to the same.
6. American Express shall not be liable whatsoever for any loss/damage/claims that may arise out of use or non-use of any goods or services availed by Cardmember under this offer. American Express reserves its absolute right to withdraw and/or alter any of the terms and conditions of the offer at any time without prior notice.
7. Nothing expressed or implied in the program shall in any way waive or amend any of the terms and conditions of the existing Cardmember agreement with the Card issuer.
8. To receive this offer, purchase should be charged in full to the American Express Card. No cash alternative is available.
9. Any disputes arising out of and in connection with this program shall be subject to the exclusive jurisdiction of the courts in the state of Delhi only.
10. This offer is subject to partner terms and conditions.

ICICI Bank Credit & Debit Cards - Terms & Conditions  

Thursday Only 
Valid up to 31st January 2020

1. This marketing program (“Program”) is from ICICI Bank Ltd under an arrangement with Infiniti Retail Ltd., (“Merchant”) and is open to all residents of India holding a valid and current ICICI Bank Debit &/or ICICI Bank Credit Card (“Cardholder”)
2. The Validity of the Program (“Term”) is for every Thursday between 1st January 2020 – 31st January 2020, unless extended by the Parties and Merchant.
3. Under this program:
4. For Normal non-EMI Transactions

For purchase of Rs 15,000 & above with the card on Thursday during the campaign period, ICICI Bank Debit Card or Credit cardholder can avail Rs 1000 as same day Cashback on qualifying transaction & for purchase of Rs 50,000 and above cardholder can avail Rs 2000 as same day cashback  at Croma store & on croma.com

5. For EMI Transactions

For purchase of Rs 15,000 & above with the card on Thursday during the campaign period, ICICI Bank Debit or Credit cardholder can avail Rs 1250 as same day Cashback on EMI transaction & for purchase of Rs 50,000 and above cardholder can avail Rs 2500 as same day cashback  at Croma store & croma.com. Offer not applicable on 3 months EMI tenure. Customer opting for the same will be eligible for cashback as per Normal non-EMI transaction.

6. Cashback will be applicable on EMI transactions done at Croma POS terminal or on croma.com
7. The cashback on EMI transactions on Croma.com will be credited within 10 Days from the date of transaction. 
8. Eligible bank customer has to select the bank offer on the payment page to avail the offer.
9. Non –eligible bank customer will receive appropriate error messages and can proceed without the instant discount.
10. Instant discount will not be extended for the customer if he/she fails to select the bank offer.
11. Maximum Cashback on a Thursday under the offer will be Rs. 2,500 at a card level
12. This Program is not applicable on ICICI Corporate or Business Credit cards
13. Offer cannot be combined with brand EMI offer
14. Program is applicable only on transactions done on Thursdays & will not be applicable on any other day of the week
15. Cashback will not be applicable on advance invoice
16. Cashback will be applicable on EMI transactions done at Croma POS terminal or on croma.com
17. Maximum 1 transaction on a card will be eligible for same day cashback on a Thursday, any further transaction using same card will not get the benefit of the offer. Only 1 card per invoice is eligible for cashback
18. Any query regarding the program will be entertained till 31st Jan 2020. Post such date; ICICI Bank will not entertain any correspondence or communication regarding this Program from any cardholder.
19. Bank Card Account is required to be active and non-delinquent. Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for this offer.
20. All the existing offers, gifts, discounts etc., that are being offered can be availed by the Cardholders apart of this exclusive offer as mentioned in the communication.
21. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by ICICI Bank or by Merchant
22. Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by ICICI Bank for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The place of arbitration shall be at Mumbai and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against ICICI Bank
23. The Program is for the consumption of individual retail consumers only
24. Infiniti Retail & ICICI Bank reserve right to modify or end the offer during the campaign period

Note: - Croma is a participating entity as per the commercial between ICICI Bank and Infiniti Retail Ltd.

HDFC Bank Debit & Credit Card - Terms & Conditions 

Friday Cashback Offer
Valid up to 31st January 2020

1. This marketing program (“Program”) is from HDFC Bank Ltd under an arrangement with Infiniti Retail Ltd., (“Merchant”) and is open to all residents of India holding HDFC Bank debit card.
2. The Validity of the Program (“Term”) is from 1st January 2020 – 31st January 2020, unless extended by Banks & Merchant.
3. Under this program:
4. The cashback offer will be applicable on debit & credit cards.
5. Normal non-EMI Transactions: For transaction amounting to Rs. 10,000 & above with the card, HDFC credit card holder can avail 5% Cashback on qualifying transaction at Croma store and / or croma.com each Friday. Maximum Cashback on each Friday during the promo period is capped at Rs. 2,000 per card.
6. EMI Transactions: Cashback will be applicable on credit and debit cards bank EMI transactions. For transaction amounting to Rs. 10,000 & above with the card, HDFC debit or credit card holder can avail 5% Cashback on qualifying transaction at Croma store and / or croma.com each Friday. Maximum Cashback on each Friday during the promo period is capped at Rs. 3,000 per card.
7. Total cashback on Friday is capped at Rs3000 per card
8. EMI offer will be applicable on Bank EMI as well as Brand EMI transactions. However customer can avail only one cashback offer at a time. In case of Brand EMI Cashback Offer, customer can avail only Brand EMI Cashback offer.
9. Two cashback offers cannot be combined
10. The cashback offer will be applicable till 31st January 2020.
11. This program is not applicable on regular debit card transactions. Offer will be applicable only on debit card EMI tranasactions.
12. This Program is not applicable on Corporate ,Business cards, Netsafe and Virtual Cards and Jet Privilege World Debit & credit cards.
13. Cashback programme is also applicable on e-Commerce transactions done on www.croma.com
14. Cashback for debit card transactions will be credited to the card account within 90 days from end of the calendar month of the date of transaction and it will be credited as cashback points where 1 cashback point=1 Rs.
15. Cashback for credit card transactions will be credited directly into credit card account
16. Customer needs to redeem the cashback either by logging into Netbanking or calling phone banking. Cashback will credited to Savings/Salary or current account within 48 Hours of request for redemption.
17. Cashback for credit card transactions will be credited directly into card account within 90 days from date of transaction
18. All queries related to the Program will be entertained only till 31st January 2020
19. All the queries related to cashback credit will be addressed by respective Banks directly and Infiniti retail Ltd will have no role in issue resolution
20. The Exclusive offers/discounts under these Programs cannot be clubbed with any other offer or discount extended by the participating banks as part of any other arrangement.

Yes Bank Credit Cards - Terms & Conditions 

Saturday & Sunday Only
Valid up to 31st January 2020

1. This offer is brought to you by Yes Bank Limited and any participation in the said offer is voluntary.
2. The offer is applicable to existing and new Resident Yes Bank Credit Cardholders, excluding Corporate Cardholders (hereinafter referred to as ‘Cardholders’). Credit Cardholders who have not repaid their minimum payment due within 30 days of their payment due date as mentioned on the credit card statement, will not be eligible for the offer.
3. Cardholders are required to use their valid Yes Bank Credit Card (‘Card’) to avail of the offer.
4. During the period 1st January 2020 – 31st January 2020 (both dates included) (Offer Period), Cardholders on using their valid Yes Bank Credit Card (‘Card’) at Croma stores or the Croma website will be entitled to 5% cashback on full swipe and 10% on EMI transaction (‘Offer’)
5. The maximum cashback a customer will receive under this offer is 5% Cashback on full swipe (maximum CB of INR 1000) per day.
6. The Offer is also applicable on payments made through EMI on Yes Bank Credit cards.
7. The maximum cashback a customer will receive under this offer is 10% Cashback on EMI transactions(maximum CB of INR 2000) per day on the weekend
8. Offer cannot be combined with brand EMI offer.
9. Customers have to transact for a minimum value of INR 12500 to be eligible for the offer
10. The offer will be valid on purchases made on Saturday and Sunday’s only within the specified Offer period.
11. The cashback is over and above any other offer being offered by the stores during the offer period
12. The cashback will be posted into the customer’s card account within 90 days from the date of the transaction.
13. Yes Bank does not endorse any of the products or brands being offered by Croma stores or the Croma website ( www.croma.com) and does not make any warranties or representations as to the quality, merchantability, suitability or availability of products. Any dispute regarding these must be addressed in writing, by the Cardholder directly to the brand. 
14. Yes Bank and Croma reserves the right to add, alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this Offer with another offer, whether similar to this Offer or not, or to withdraw it altogether at any point in time by providing appropriate notice to the Cardholders. The Offer may/may not be extended as mutually agreed by Yes Bank and Croma.
15. Prior to using the Croma website and/or the mobile app the Cardholder should refer, read, understand, accept and agree to the user agreement and terms and conditions of the said website and the mobile app, and proceed only if the Cardholder agrees to abide by the same. The Cardholder will be required to give personal information and other details online. The Cardholder should read and understand the privacy policy of the website and the mobile site, prior to providing any such information. Any disclosure of information made by the Cardholder towards availing of or fulfilment of the Offer is at the sole discretion of the Cardholder and Yes Bank shall not be responsible for the same. Croma may use the personal information shared by the Cardholder for any other purpose (like marketing, etc.) and the Bank will not be held liable for such usage of personal information.

HSBC Bank Credit Cards - Terms & Conditions

Saturday & Sunday Only

1. This offer is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) and any participation in the said offer is voluntary.
2. The offer is applicable to existing and new Resident HSBC Credit Cardholders, excluding Corporate Cardholders (hereinafter referred to as ‘Cardholders’). Credit Cardholders who have not repaid their minimum payment due within 30 days of their payment due date as mentioned on the credit card statement, will not be eligible for the offer.
3. Cardholders are required to use their valid HSBC Credit Card (‘Card’) to avail of the offer.
4. During the period 1st January 2020 - 31st January 2020 (both dates included) (Offer Period), Cardholders on using their valid HSBC Credit Card (‘Card’) at Croma stores or the Croma website will be entitled to 5% cashback (‘Offer’)
5. The maximum cashback a customer will receive under this offer is INR 1500 per weekend.
6. Customers have to transact for a minimum value of INR 15000 to be eligible for the offer
7. The offer will be valid on purchases made on Saturday and Sunday’s only within the specified Offer period.
8. The cashback is over and above any other offer being offered by the stores during the offer period
9. The Offer is also applicable on payments made through EMI on HSBC Credit cards.
10. Offer cannot be combined with brand EMI offer
11. The cashback will be posted into the customer’s card account within 60 days post the offer expiry.
12. HSBC does not endorse any of the products or brands being offered by Croma stores or the Croma website ( www.croma.com) and does not make any warranties or representations as to the quality, merchantability, suitability or availability of products. Any dispute regarding these must be addressed in writing, by the Cardholder directly to the brand. 
13. HSBC and Croma reserves the right to add, alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this Offer with  another Offer, whether similar to this Offer or not, or to withdraw it altogether at any point in time by providing appropriate notice to the Cardholders. The Offer may/may not be extended as mutually agreed by HSBC and Croma.
14. Prior to using the Croma website and/or the mobile app the Cardholder should refer, read, understand, accept and agree to the user agreement and terms and conditions of the said website and the mobile app, and proceed only if the Cardholder agrees to abide by the same. The Cardholder will be required to give personal information and other details online. The Cardholder should read and understand the privacy policy of the website and the mobile site, prior to providing any such information. Any disclosure of information made by the Cardholder towards availing of or fulfillment of the Offer is at the sole discretion of the Cardholder and HSBC shall not be responsible for the same. Croma may use the personal information shared by the Cardholder for any other purpose (like marketing, etc.) and the Bank will not be held liable for such usage of personal information.
15. This Offer is subject to the terms and conditions of Croma and the Cardholders are required to refer, read, understand, accept and agree to be bound by them prior to availing of the Offers.
16. All decisions in respect of the offer shall be at the sole discretion of HSBC and the same shall be final, binding and non-contestable. Other than the specific entitlements available to the Cardholders under this Offer, any other claims with regard to this Offer against HSBC are waived.
17. HSBC reserves the sole right to decide on whether a purchase transaction meets the eligibility criteria

No Cost 3 month EMI Credit Cards Cashback Offer - Terms & Conditions

Saturday & Sunday Only
Valid Up to 31st January 2020

1. The Validity of the Program (“Term”) is till 31st January 2020 (Both days included), unless extended Croma.
2. Offer will be valid on Saturday and Sunday during the promotion period.
3. Under this program:
4. For transaction amounting to Rs. 5,000 & above with the credit card for 3 month EMI transaction, Credit cardholder can avail benefit equivalent to interest levied by the bank for 3 months on qualifying EMI transaction at Croma store and/or croma.com
5. Offer is not applicable on Samsung Phones and Tablets.
6. The offer will be applicable on 3-month credit card EMI transactions only
7. The offer is not applicable on debit card transactions and normal credit card transactions
8. Offer will be applicable to bank EMI transactions only. The offer is applicable on cards swiped under bank EMI option on PineLabs machines at Croma stores
9. This Program is not applicable to Corporate or business cards.
10. Cashback program is also applicable on EMI transactions are done on www.croma.com
11. Customers will get instant benefit equivalent to the interest amount at Croma stores
12. Customer will be levied with interest by the bank for a 3-month tenure
13. Customers will get a gift voucher worth interest amount within 30 working days from date of transactions for croma.com
14. All the existing offers, gifts, discounts, etc., that are being offered can be availed by the Cardholders apart from this exclusive offer as mentioned in the communication.
15. Products offered under this program are subject to availability from the respective participating outlets of Merchant and accordingly, Banks in no circumstances shall be liable for the non-availability of any of the products.
16. Under no circumstance will the offer being offered under this Program be settled with cash in lieu by Bank or by Merchant
17. 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 Programs were offered.
18. Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by Banks for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of the Arbitration and Conciliation Act, 1996. The place of arbitration shall be Mumbai and the language of the arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against Bank.
19. Croma reserves the right to modify or change any of the terms and conditions applicable to this Program at any time with/without prior notice to the cardholders.

Paytm Cashback Offer - Terms & Conditions

Monday Only

Offer: Cashback of 5% up to Rs.750

1. Offer valid only at Store
2. User to get 5% cashback on paying through Paytm
3. Paytm cashback offer is applicable at Croma Store only
4. On a Minimum billing Rs.10,000
5. Offer is valid only on Monday
6. Usability: Valid One transaction per user
7. Cashback will be auto-credited to your Paytm wallet within 24 hours
8. The mobile number needs to be verified to be eligible for cashback
9. Paytm and Croma reserves its absolute right to withdraw and/or alter any of the terms and conditions of the Offer at any time without prior notice

MobiKwik Cashback Offer - Terms & Conditions

Tuesday/Saturday/Sunday Offer

1. Offer valid at Stores and Croma.com
2. Offer 1: Rs.1000 cashback on transactions above Rs.10000
3. Offer 2: Rs.400 cashback on transactions above Rs.5000
4. User can avail either Offer 1 or Offer 2 as per the transaction amount
5. Rs.100 Cashback will be credited within 48 hours of the transaction. Valid once per month per User.
6. Offer valid on Tuesdays, Saturdays & Sundays only

Freecharge Cashback Offer - Terms & Conditions

Wednesday Only

1. Offer valid at Stores and Croma.com
2. Rs.300 cashback
3. Minimum transaction Rs.3000
4. Offer valid only on Wednesdays

PhonePe Cashback Offer - Terms & Conditions

Friday Only

1. Offer valid at Stores and Croma.com
2. 5% cashback, up to Rs 500/-
3. Minimum transaction Rs. 5,000/-
4. Offer valid only on Fridays

Google Pay (GPay) Cashback Offer - Terms & Conditions

Thursday/Saturday/Sunday Offer

Valid up to 31st January 2020

1. Offer valid only at Croma Stores.
2. Flat Rs. 500 Cashback on a minimum transaction of Rs.10,000.
3. Valid once per user, per week.
4. Offer valid up to 31st January 2020 on Thursdays, Saturdays & Sundays only.