AU Bank: Offer Terms & Conditions

Offer Details:

Offer on AU Credit Card Non-EMI transactions:

Flat Rs 1,000 discount on purchase of Rs 15,000 & above

Flat Rs 2,000 discount on purchase of Rs 50,000 & above

Flat Rs 5,000 discount on purchase of Rs 1,00,000 & above

Maximum Discount: Rs. 5,000/-
Minimum Spends: Rs. 15,000/-
Offer Validity: 1^st Nov’24 to 31st Dec 2024
Offer Days: Offer will be valid every week on Monday (excluding Tactical Campaign days)
Velocity: Applicable once per card per month during offer period

Offer Terms & Conditions:
 

This marketing program (“Program”) is from AU Bank under an arrangement with Infiniti Retail Ltd., (“Merchant”) and is open to all residents of India holding a valid and current AU Credit Card (“Cardholder”)

Non-EMI Transactions- For purchase of Rs. 15,000 & above with the card during the campaign period, AU Credit cardholders can avail the above offers as same day Instant Discount on qualifying transaction on croma.com

• The program is valid from 1st Oct ’2024 till 31st Dec’2024 on every Monday only unless extended by the Parties and Merchant.
• Offer applicable only on one transaction per card per month. For Credit Card, customer can avail offer on full swipe once in a month on a single card.
• Eligible bank customer has to select the bank offer on the payment page to avail the offer.
• The offer is applicable on AU Bank select card BIN numbers provided by the bank.
• Non –eligible bank customer will receive appropriate error messages and can proceed without the Instant Discount.
• Instant Discount will not be extended for the customer if he/she fails to select the bank offer.
• Program is applicable only on transactions done on campaign period & will not be applicable on any other day.
• Instant Discount will not be applicable on advance invoice.
• Maximum 1 transaction on a card will be eligible, any further transaction using same card will not get the benefit of the offer. Only 1 card per invoice is eligible for Instant Discount.
• 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.
• 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.
• No two offers can be clubbed together or can be exchanged in cash/ part or whole.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by AU Bank or by Merchant
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by AU 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 AU Bank.
• The Program is for the consumption of individual retail consumers only Infiniti Retail & AU Bank reserve right to modify or end the offer during the campaign period
• Croma is a participating entity as per the commercial between AU Small Finance Bank Ltd and Infiniti Retail Ltd.
• The offers are brought to you by AU Small Finance Bank ("AU Small Finance Bank") and any participation in the offer is voluntary.
• Cardholders are required to use their AU Credit to pay for the services/product under the offers to avail the discounts.
• Regular Credit Card Terms and Conditions apply.
• The offers are on-going till the specified validity date.
• The offers are applicable on select brands & categories and are at the discretion of IRL & Bank.
• Offers made by the participating establishments may not be used in combination with any other offer that is in force. The offers are subject to force majeure events
• Taxes additional as applicable, Tax liability, if any, will be borne by the Cardholder.
• Bank reserves the right to withdraw or alter any of the terms and conditions of the offer at any time without prior notice.
• Bank is neither responsible for nor guarantees the product/services of participating establishments.
• Bank shall not be liable for any defects or deficiency of the product or service so obtained/availed of by the Cardholder
• Bank shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered as a result of availing of the offer.
• This offer will not be clubbed with any existing offers on the website or application
• The offers cannot be redeemed for cash or clubbed with any other offer or promotion
• Not applicable on kits and sample products
• Bank & IRL reserves to right to run the above agreed offer / increase / decrease the customer gratification on select categories, brands & products.

 

Customer agrees to merchant/partner product/service disclaimer and terms and conditions as stated- https://www.croma.com/terms-of-use

 

Bank of Baroda: Offer Terms & Conditions 

Offer Details:

• This marketing program (“Program”) is from BOB under an arrangement with Infiniti Retail Ltd., (“Merchant”) and is open to all residents of India holding a valid and current BOB Credit Card (“Cardholder”)
• The Validity of the Program (“Term”) is for 1^st Nov’24 to 31^st Dec’24, unless extended by the Parties and Merchant.

 

Offer Construct:

For Full Swipe: 10% Instant Discount up to Rs. 1,500/-

For EMI: 10% Instant Discount up to Rs. 2,500/- (for EMI tenures of 9 months & above)

Minimum Transaction Value: Rs. 10,000/-

Offer Validity: 1^st Nov’24 to 31^st Dec’24

Offer Days: Every Tuesday (excluding Tactical Campaign days)

Velocity: Applicable once per card per month during offer period

Offer Terms & Conditions:

• Eligible bank customer has to select the bank offer on the payment page to avail the offer
• Non – eligible bank customer will receive appropriate error messages and can proceed without the instant Discount
• Instant Discount will not be extended for the customer if he/she fails to select the bank offer.
• Maximum Instant Discount under the offer will be Rs. 2,500 at a card level
• Program is applicable only on transactions done on campaign period & will not be applicable on any other day
• Instant Discount will not be applicable on advance invoice
• Maximum 1 transaction per month per card will be eligible, any further transaction using same card will not get the benefit of the offer.
• Any query regarding the program will be entertained till 30^th Sep’24. Post such date; BOB will not entertain any correspondence or communication regarding this Program from any cardholder.
• The offers are applicable on select brands & categories and are at the discretion of Infiniti Retail Limited (Croma) & BOB.
• 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.
• 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.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by BOB or by Merchant.
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by BOB 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 BOB.
• The Program is for the consumption of individual retail consumers only Infiniti Retail & BOB reserve right to modify or end the offer during the campaign period.
• IRL & BOB reserves to right to run the above agreed offer / increase / decrease the customer gratification on select categories, brands & products.
• The decision of Infiniti Retail Limited (Croma) and BOB will be final and binding and any correspondence in this regard will not be entertained.

 

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

 

Federal Bank: Offer Terms & Conditions 

Offer Construct:

10% Instant Discount up to Rs. 2,000/- on Credit Cards Full Swipe transactions

10% Instant Discount up to Rs. 3,000/- on Credit Cards EMI transactions

Minimum transaction value: Rs. 15,000 for www.croma.com

Offer Days: Offer will be valid every week on Wednesday, Saturday and Sunday (excluding Tactical Campaign days)

Velocity: Applicable once per card per month during offer period

Offer Terms:

• Offer Period: 1^st Nov’2024 to 31^st Dec’2024 (Every Wednesday, Saturday and Sunday) excluding Tactical Campaign days.
• Offer applicable only on Federal Bank Credit Card Non-EMI & Credit Card EMI transactions.
• The Offer is not applicable on Debit Card transactions.
• The Offer is applicable only on transactions done during campaign period.
• Applicable once per card per month during offer period
• The Offer is for the consumption of individual retail consumers only.
• Any query regarding the offer will be entertained only till only till 30^th Sep’2024. Post such date, Federal Bank will not entertain any correspondence or communication regarding this offer from the cardholder.
• The Offer is applicable on select card BIN’s which are provided by Federal Bank.
• The Offer is not applicable on Jupiter (448198) & Epifi (418730) Debit Cards.
• The Offer is not applicable on Federal-OneCard (421389) , Epifi (40339900, 46673000, 43682500, 40658418), Scapia (40298600), Jupiter (41053100) Credit Cards
• This offer cannot be combined with any other offers.
• The Offer is non-negotiable, non-transferrable and non-cashable.
• Bank & IRL reserves to right to run the above agreed offer / increase / decrease the customer gratification on specific categories only, specific brands & selective products during tactical campaign / Croma event days.
• The Offer being provided is co-funded by Croma (IRL) and Federal Bank and any queries related to the source of such benefit/discount can be addressed to our customer support team at https://www.federalbank.co.in/contact-center or toll free number 1800 - 425 - 1199/1800 - 420 – 1199

 

Standard Terms & Conditions:

Definitions:

The following words and phrases shall have the meanings set out herein below in this document unless repugnant to the context:

• “Cardholder” – A person who is holding a valid Federal Bank Debit Card and/or Federal Bank Credit Card, as may be specified in the Offer T&Cs.
• “Campaign Period/ Offer Period/ Validity" - The period during which the offer is valid.
• “Offer T&Cs” – Terms & Conditions applicable for respective individual offer.
• “Transactions” – any transaction carried out using Federal Bank Credit Card which is not a charge/fee/interest levied.
• “Merchant” – any establishment where Federal Bank Credit Card mentioned in the offer has been / can be used for making a purchase.
• “Communication"- refers to any SMS/Email/Mobile App Push Notification sent by Federal Bank to the customer’s registered mobile number/email ID mentioning the offer.

 

Other Terms and Conditions:

• Bank Account linked to the Card is required to be active and non-delinquent.
• Incomplete / rejected / invalid / returned /disputed or unauthorized/fraudulent transactions will not be considered for the offer.
• Federal Bank will not be responsible or liable in case the offer is not configured or could not be availed due to malfunction, delay, traffic congestion on any telephone network or line, computer on-line system, servers or providers, computer equipment, software, or website.
• The Campaign Period referred to as “Offer Period” or “Validity”, interchangeably, will be the one mentioned in the communication received by customer.
• The Merchant and the Federal Bank reserve the right to add/alter/change/ or vary at any time, without notice, any or all of these terms and conditions or to replace, entirely or in part, this offer by another offer, whether similar to this offer or not, or to withdraw it altogether. Federal Bank also reserves the right to discontinue the offer without assigning any reason and / or without any prior intimation whatsoever.
• The participation in the offer is entirely voluntary and it is understood that the participation by the Cardholders shall be deemed to have been made on a voluntary basis.
• In case of all matters relating to the offer, including any dispute or discrepancy relating to the offer or eligibility of any Cardholder, Federal Bank’s decision shall be final and binding on Cardholders in all respects and any correspondence in this regard will not be entertained.
• Federal Bank does not endorse any of the products or brands being offered under the offer. It only offers discount on the purchase of goods and services from the Merchant using Federal Bank Credit Card and makes no representation about the quality, delivery, usefulness, worthiness, after sales service or otherwise of the goods/services offered by the Merchant using the card. Federal Bank is not liable for any defect or deficiency of goods or services so obtained/availed of by the Cardholders under this offer.
• Federal Bank will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by merchant/seller(s) on product/services made available by it and the same shall be at the sole risk and consequences of such merchant/seller(s) and without reference to Federal bank.
• Images used in all the promotions or communications pertaining to the Offer are for representation purpose only and Federal Bank shall not be liable/responsible in any manner whatsoever for the same.
• Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any product/ service of the Merchant or any third party and is not intended to create any rights and obligations.
• Federal Bank may use the services of agents for sales / marketing of the products which are exclusive copy rights of The Federal Bank Limited. All rights reserved.
• Federal Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods purchased / services availed of by the Card Holder/s under the offer.
• Any dispute or claim regarding the goods and services must be resolved by the Cardholder/s with the merchant directly without any reference to Federal Bank.
• The Merchant & the Federal Bank reserve the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card.
• The Offer is not available wherever prohibited and/or on products/services for which such offers cannot be made available for any reason whatsoever.
• All liabilities with respect to the products purchased lies with the Merchant and Federal Bank shall not liable/responsible in any manner whatsoever for the same.
• Logos/trademarks used are owned by respective entities. Federal Bank is authorised to use these logos/trademarks for offer/promotion purposes.
• The Cardholder shall indemnify and hold the Merchant and the Federal Bank harmless against all damages, liabilities, costs, expenses, claims, suits and proceedings (including reasonable attorneys fee) that may be suffered by the Merchant and the Federal Bank as a consequence of (i) violation of these terms and conditions, of the terms of user agreement, privacy policy (subject to change) published on the Platform, by Cardholder; (ii) violation of applicable laws by Cardholder; and (iii) any action or inaction resulting in wilful misconduct or negligence on the part of the Cardholder.
• Any person availing the offers shall be deemed to have read, understood and accepted these terms and conditions as well as the respective Offer T&Cs.
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by Federal Bank for this purpose.
• Any dispute relating to the offer or the terms and conditions shall be subject to the jurisdiction of the courts in
• Merchant Terms & Conditions, if any, will be additionally applicable to the offers and will be notified separately.
• If the Cardholder/s ceases to be Cardholder/s at any time during the subsistence of the Offer, all the benefits under the Offer shall lapse and shall not be available to the Cardholder/s.
• All communication / notices with regard to this Program should be addressed to "The Federal Bank – Laxmi Towers, A wing, 5^th Floor- BKC , Mumbai – 400051.”
• Alternatively, customer can also contact at Federal Bank’s Phone banking unit / Relationship manager/Customer service manager.
• No substitutions or exchange of Offer, other than what is detailed in the communication sent to the Card Holder/s shall be allowed.
• All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits accruing under the Offer shall be borne solely by the Cardholder/s and Federal Bank will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues.
• Any disputes with regard to the quality of goods/services availed shall be taken up with the merchant/service establishment directly. Federal Bank shall have no liability whatsoever with regard to the same.
• Products offered under this Offer are subject to availability from the respective participating merchants/sellers on the Platform and accordingly, the Federal Bank in no circumstances shall be liable for non-availability of any of the products.
• Under no circumstance will the Offer/discount being offered under this Offer be settled with cash in lieu by Federal Bank or by the Merchant.
• These Standard Terms and Conditions shall be in addition to and not in substitution / derogation to the Primary Terms and Conditions governing the Credit Card, as the case may be, issued by Federal Bank. In the event of any contradiction or disparity between the Offer T&Cs and the Standard Terms and Conditions, Offer T&Cs shall prevail.
• This Offer shall be subject to all applicable laws, rules and regulations which are in existence, and which may be promulgated anytime by any statutory authority.
• This document is an electronic record in terms of Information Technology Act, 2000, and the Rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

• Bank & IRL reserves to right to run the above agreed offer / increase / decrease the customer gratification on select categories, brands & products.

 

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

 

ICICI Bank: Offer Terms & Conditions 

 

HDFC Bank: Terms & Conditions 

Offer Construct:

• * 7.5% Instant Discount Up to Rs. 3,000 with HDFC EasyEMI on CC.
• * Offer Valid on 6 Month and Above Tenure
• * Offer Period: Every Friday, Saturday & Sunday starting 1^th Nov 2024 till 31^st Dec 2024.
• * Minimum txn on www.croma.com : Rs. 10,000/-
• * Offer cannot be clubbed with Brand EMI offer or any other Offer.
• * Discount applicable once per Card per week.
• * Offer applicable on Retail Credit Cards, Business and select Corporate and Commercial Credit Cards.

 

Terms & Conditions:

• * HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the Card Holder/s with the partner directly without any reference to HDFC Bank.
• * HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts / gift vouchers availed by the Card Holder/s under the said Offer offered by the partner
• * HDFC Bank shall not be held liable for any delay or loss that may be caused in delivery of the services.
• * This Offer is made available to the Customers selected at the discretion of HDFC Bank.
• * The offer cannot be combined with any other offer
• * If promo code is mentioned as part of the communication (please refer Offer details tab) then customer has to use the code to avail the offer; in case the code is not used Discount/ Cashback cannot be credited back to customer at a later date.
• * Any person availing this offer shall be deemed to have accepted these Terms and Conditions.
• * HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.
• * Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings. 
• * Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.
• * Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.
• * HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.
• * Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.
• * This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO and IRCTC Cards.
• * This offer is non-cashable, not extendable, and non-negotiable.
• * Purchases eligible for Instant Discount/ Cashback on HDFC Bank Credit Card will not qualify for Reward Points. The same will be reversed within 120 days.
• * If a card member has more than 1 (one) HDFC Bank Credit/Debit Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.
• * The above offer is by way of a special offer co-funded by the Bank & Merchant for select HDFC Bank Credit/Debit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.
• * All disputes, if any, arising out of or in connection with or because of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.
• * Any query regarding the program will be entertained till 60 days from the posting date. After said date the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.
• *Any Tax, service charge or other charges levied with regards to the Promotional Offer, may be borne by the Card Holder / winner.
• *The offers are applicable on select brands, categories & products and are at the discretion of Infiniti Retail Limited (Croma) & HDFC Bank.
• *Infiniti Retail Limited (Croma) and HDFC Bank have the right to change or discontinue the offer at any time during the promotion period.
• *The Program is for the consumption of individual retail consumers only Infiniti Retail & HDFC Bank reserve right to modify or end the offer during the campaign period.
• *The decision of Infiniti Retail Limited (Croma) and HDFC Bank will be final and binding and any correspondence in this regard will not be entertained.

 

Croma Offer on HSBC Credit Card, Credit Card EMI Transactions 

Terms and conditions:

• This offer is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) and any participation in the offer is voluntary.
• This offer is available to existing and new resident HSBC credit cardholders, excluding corporate cardholders (hereinafter referred to as 'cardholders'). Credit cardholders who have not made their minimum payment due within 30 days of the payment due date mentioned on the credit card statement will not be eligible for the offer.
• Cardholders are required to use their valid HSBC Credit Card ('card') in order to have the offer available to them.
• During the period from 1^st Nov’2024 till 31^st Dec’2024 (inclusive of both dates) only on Saturdays and Sundays ('Offer Period'), Cardholders using their valid HSBC Credit Card ('card') at Croma website (‘Croma’) will be entitled to following offers mentioned in the below table on applicable payment modes ('Offer'):

 

 Offer Construct:

 

 Minimum Transaction Value: Rs. 20,000/- 

• Offer on payments using HSBC Credit Cards is valid only on Saturdays and Sundays (Once per card per month)
• During the period from 1^st Nov’2024 till 31^st Dec’2024 (inclusive of both dates) ('Offer Period')
• Transactions have to carry a minimum transaction value as mentioned above, to be eligible for the offer.
• This offer will be valid once per card per month for purchases made only on Saturdays and Sundays within the specified Offer Period.
• This offer is also applicable for payments made using Instant EMI facility on HSBC credit cards.
• Transactions where payments are made with HSBC Credit Cards using any e-wallet will not be eligible for the Offer. Cardholders / Customers understand and agree that transactions / payments made through Mobile Credit Card or Tokenized Credit Card facility offered by HSBC will not be valid for availing the Offer.
• HSBC does not endorse any of the products or brands being offered by Croma website and does not provide any warranties or representations of the quality, saleability, suitability or availability of products. Any dispute regarding such products must be addressed in writing by the cardholder directly to Croma.
• HSBC and Croma reserve 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 offers with another, whether similar to this offer or not, or to withdraw it completely at any point in time. The offer may/may not be extended as mutually agreed by HSBC and Croma.
• Prior to using the Croma website and/or its mobile app, the cardholder should refer to, read, understand, accept and agree to the user agreement and terms and conditions of the said website and mobile app, and proceed only if the cardholder agrees to abide by them. The cardholder will be required to provide 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 such information. Any disclosure of information made by the cardholder toward the availability or fulfilment of the offer is at the sole discretion of the cardholder and HSBC shall not be responsible such disclosures. Croma may use the personal information shared by the cardholder for any other purpose (like marketing etc.) and HSBC will not be held liable for the usage of personal information.
• This offer is subject to the terms and conditions of Croma, and cardholders are required to refer to, read, understand, accept and agree to be bound by them before redeeming the offer.
• Usage of the credit card is governed by applicable terms and conditions. Please visit hsbc.co.infor detailed terms and conditions.
• All decisions relating to the offer shall be made at the sole discretion of HSBC and 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.
• HSBC reserves the sole right to decide on whether a purchase meets the eligibility criteria listed above.
• HSBC will not be liable for any direct or indirect loss or damage that may be incurred as a result of participation in the offer.
• Any disputes arising out of or in connection with this offer shall be subject to the exclusive jurisdiction of courts in Mumbai only. The existence of any dispute shall not, by itself, constitute any claim against HSBC.
• This offer is subject to force majeure clauses.
• Tax liability, if any, will be borne by the cardholder.
• Please note that basis Goods and Services Tax (GST) regulations and notified GST rates, Central GST and State/Union Territory GST or Inter-State GST, will be levied on the discounted price, as applicable. GST on interest charged by HSBC on Instant EMI loan transactions has to be borne by Cardholder.
• By taking on the offer, cardholders are assumed to have accepted all the aforementioned terms and conditions in their totality.
• HSBC & Croma reserves to right to run the above agreed offer / increase / decrease the customer gratification on specific categories, specific brands & selective products during the Offer Period.
• This offer cannot be clubbed with other offers at Croma.
• Offer will not be applicable on select product / brands. Cardholders are advised to check the Offer applicability for any particular transaction and speak with a Croma representative before making payment with HSBC Credit Card.