Period: 1^st Jan – 31^st March 2022

Applicable Cards & Scheme: SBI credit card, Kotak bank credit card & ICICI bank credit card EMI Transactions only/u>

Terms and Conditions:

• Under EMI payment mode, you have to select his issuing bank and the respective No Cost EMI rates will be displayed.
• This should be the only product in your cart to avail the offer.
• Some bank may charge additional fees for EMI conversion, please check with your issuing bank for the charges.
• Issuing Bank ICICI - AMEX co-branded card is not applicable for any brand EMI offer.
• The cashback shall be credited within 120 business days from the last date of the transaction month to all open and active card members’ accounts only.
• No Cost EMI is also applicable on HDFC Credit Card EMI transactions on 6 month tenures only.
• Only one transaction per card is allowed for the EMI during the offer period.
• No two offers can be clubbed together
• Customer has to select the offer on payment page under “View all offer” section to avail the offer benefit.
• In case of any conflict, Croma’s decision would be final

Termination clause: Offer can be discontinued, basis Apple’s and Bank’s discretion.