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.
Cashback offer is valid on ICICI Credit Cards SBI Credit Card Kotak Credit Card EMI transactions from 1^St Jan 2022.
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 during the offer period is allowed for the EMI
No two offer can be clubbed together.
Customer has to select offer on payment page under “View all offer section” to avail benefit of this offer.
In case of any conflict, Croma’s decision would be final

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