• This Offer is valid only on Full Swipe & No cost EMI/Low-Cost EMI Transactions made through SBI, IDFC, YES, FEDERAL, BOB, HSBC & OneCard Bank Credit card varies as per product offer predefined by brand.
• For transactions done through Full swipe, No cost EMI/Low-cost EMI, customer has to select their respective bank under No cost EMI/Low-Cost EMI payment mode and the respective No Cost EMI/Low cost EMI which will be displayed to complete the payment.
• CB not applicable on 3m tenure for NCE.
• Cashback not eligible on Paytm Co-Branded Card, Cashback card, Corporate Card & UPI transactions on Rupay credit card.
• Offer is not applicable on Amazon pay credit card, business, commercial or corporate cards.
• Instant discount amount ranged from Rs 100 to Rs 12000 depending on the model and on the payment mode selected. 
• Customer will not be eligible for cashback where txn amount is below Rs 10000 (for Yes Bank Only).
• Interest benefit of No Cost EMI/Low-Cost EMI will be credited to customer post 90 days from offer end date.
• One Txn per card Per Quarter. (Applicable: 1^st July 25 to 30^thSept’25)
• Customer will not be eligible for cashback where swiping amount as below the required amount as per model. Varies as per bank and model.
• Any cancelled order(s) will not be eligible for the offer and the refund amount of such order will be adjusted against the instant discount amount.
• Offer is valid on selected products only. Offer may differ from one product to another.
• No two offers can be clubbed together
• Customer should select the offer on the payment page under “view all offers” and complete his purchase through the relevant card to avail the benefit.
• Instant Discount will not be extended for the customer if he/she fails to select the bank offer.
• There is a minimum threshold amount to avail the offer benefit. In case of any gap in minimum threshold amount, cashback will not be extended to the customer.
• If customer is applying for GST, cashback will not be extended to the customer even in case if offer is applied.
• EMI conversion is processed by bank, Customer has to approach their respective bank for any concern related to conversion of EMI.
• If Gift card/voucher is used as a pre-paid mode of payment clubbed with other payment option then; benefit of offer will not be extended to customer.
• 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.
• Interest charge will be provided to the customer as an upfront discount for HDFC and SBI Bank credit card EMI transactions. For rest of the banks No Cost EMI benefit will be given after 90 working days from offer end date at the time of your purchase, effectively giving the benefit of a No Cost EMI. Note: this excludes GST that will be charged by your bank on your interest component of the EMI

               Termination clause: Offer can be discontinued or change, basis of Croma, Vivo and Bank discretion.