Credit Card Offers in India 2020

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Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 ā€“ 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (ā€œConsumer Credit Informationā€) through Paisabazaar (referred to as the ā€œCompanyā€) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases ā€œBy checking this box and clicking on the ā€˜Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaarā€™s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN ā€œAS-ISā€, ā€œAS AVAILABLEā€ BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter ā€œReleaseeā€), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (ā€œLossesā€), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 18/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 18/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :18/01/2020

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*Offers are from Paisabazaar's partner Banks & NBFCs.

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Updated: 27-12-2019 09:43:56 AM

There are various ways in which banks and financial institutions issuing credit cards to customers reward them for their credit card usage. Most of the times, a credit card is a part of a rewards programme run by the bank in which customers earns rewards when they use their credit card to make payments for utility bills, shopping, etc. In addition, banks collaborate with brands, companies, and merchants and offer customers amazing discounts and special deals. The card users can avail these offers by using their credit cards to pay for purchases made from these partner brands.

On This Page

Some of the currently active credit card offers given by the top and leading banks are discussed here:

HDFC Bank Credit Card Offers 2020
Citibank Credit Card Offers 2020
ICICI Bank Credit Card Offers 2020
Axis Bank Credit Card Offers 2020
EMI Options

HDFC Bank Credit Card Offers 2020

Credit cards from HDFC Bank have universal acceptance and help the credit card holders carry out cashless transactions with ease across millions of merchant locations around the world. Although, different types ofĀ HDFC Bank credit cardsĀ provide different type of offers, here is a combined list of almost all of these credit card offers:

HDFC Bank Credit Card Offers – Dining

With HDFC credit cards, one can also enjoy attractive discounts across various restaurants in different parts of the country. Given below is a list of restaurants in Delhi/NCR and how the discount offered on HDFC Bank credit cards:

RestaurantsAreaOffer DetailsValidity
Chicago PizzaGhaziabad, Uttar Pradesh15% off on total bill30-June-20
The PrizmDwarka, New Delhi15% off on total bill29-Feb-20
Creo – VivantaDwarka, New Delhi40% off on total bill31-May-20
High Spirits – Hilton Garden InnSaket, New Delhi40% off on total bill31-May-20
Indus Express – VivantaDwarka New Delhi40% off on total bill31-May-20

HDFC Bank Credit Card Offers: Travel

Offer NameOffer DetailsMinimum Transaction ValueValidityPromo Code
ZoomcarDiscount up to 20%Nil31-Dec-19ALHDFC
YatraFlat ā‚¹ 1000 Instant DiscountRs. 4,00010-September-2019Ā YTPZ19
MakeMyTripGet Min. Rs. 1,000 Instant DiscountRs. 10,00030-September 2019Ā HDFCDOM
MakeMyTripGet Min. Rs. 2,500 Instant DiscountRs. 30,00030-September 2019Ā HDFCINT

Also Read: HDFC Credit Card Offers

Citibank Credit Card Offers 2020

Citibank offersĀ a lot of benefits to its customers including joining gifts, bonus reward points, discounts on travel bookings, dining, entertainment and much more. Ā Most welcome offers remain in effect within a stipulated time from the activation date of the card or for a period of one year from the date of joining. Citibank credit card offers vary from standard offers that other banks provide. The bankā€™s offers include holiday vouchers and fine dining experiences in addition to various other discounts and deals. Each Citibank card comes with specific offers including the ones listed here.

Citibank Credit Card Offers: Travel

MakeMyTrip Offer

The official partner of Citibank under this category is MakeMyTrip. Citibank credit cardholders can avail exciting offers and discounts as mentioned below:

Ā MakeMyTrip Flight Bookings:

MakeMyTrip is offering flat Rs. 1200 cashback and additional 50% cashback up to Rs. 500 on ancillaries (seats, meals) on domestic flight bookings for Citibank credit and debit cards issued in India.

Ā Offer Details:

Ā Promo Code: FLYNOW

Offer Period: Valid till 24 September 2019

Ā Minimum Booking Amount: Rs. 5,000

Ā Terms and Conditions:

  • One can avail this offer on booking done between 16:00 hours to 21:59 hours on every Tuesdays during the offer period
  • This offer is only valid on MakeMyTrip Android and IOS App
  • This offer is not applicable to Citi Corporate credit cards
  • This offer is valid on domestic flights only on the first eligible transaction per card per Tuesday

Ā MakeMyTrip International Flight Bookings:

Ā MakeMyTrip is offering up to 25% cashback on international flights for Citibank credit and debit cardholders.

Offer Details:

Ā Promo Code: CITISUPER

Ā Offer Period: Valid till 28 September 2019

Ā Minimum Booking Amount: Nil

Ā Terms and Conditions:

  • One can avail this offer on booking done 00:00 hours to 23:59 hours on every Saturday during the offer period
  • This offer is only valid on MakeMyTrip Android and IOS App
  • This offer can be availed only once per card
  • This offer is only applicable to one way and return flights starting from India only

Booking.com Offer

Citibank cardholders can avail up to 10% discount on bookings made through Booking.com/citiin.

Offer Details:

Promo Code: Not Required

Offer Period: 30th September 2019

Ā Terms and Conditions:

  • Offer can be availed only when the booking is made through www.booking.com/citiin
  • Add on cards will be treated as separate cards
  • Cashback will be credited to the credit card account within 65 days post completion of the hotel stay

Also Read: Citi Bank Credit Card Offers

ICICI Bank Credit Card Offers 2020

Customers of ICICI Bank can avail offers on the purchase of electronics, watches, apparels, jewelry, etc. as well as on payments for movie ticket booking, dining, and flights with these online credit card offers. To avail credit card offers online, simply put in the required credentials while you shop on your favourite e-stores and get your cashback/discounts right away.

Travelyaari Offer

One can plan an affordable weekend and book bus tickets with Travelyaari as ICICI Bank credit cards offer a discount of flat Rs. 150.

Offer Details:

OfferMinimum AmountTravelyaari Promo Code
Get flat Rs. 100Above Rs. 500TYICICI100
Get flat Rs. 150Above Rs. 1,000TYICICI150
  • Offer Period: March 10 to December 31, 2019

Terms and Conditions:

  • This offer is only valid once per user
  • This offer cannot be clubbed with Travelyaari offers on the same product
  • This offer is not applicable to Government RTC buses

Travelxp Offer

Ā ICICI Bank credit cardholders can get up to Rs. 700 off on return domestic flights for maximum 4 passengers at Travelxp.

Offer Details:

  • Rs. 150 off on one way and Rs. 200 off on Return Domestic Flights for 1 Passenger
  • Rs. 225 off on one way and Rs.400 off on Return Domestic Flights for 2 Passengers
  • Rs. 300 off on one way and Rs.525 off on Return Domestic Flights for 3 Passengers
  • Rs. 375 off on one way and Rs.700 off on Return Domestic Flights for 4 Passengers
  • Promo Code:Ā TXPICICI
  • Offer Period:Ā From April 08, 2019 to October 31, 2019

Terms and Conditions:

  • This offer cannot be clubbed with any other Travelxp offers on the same product
  • A service fee of Rs. 250 along with the discounted amount will be deducted from the total refund due, in case of cancellation of any domestic flight
  • Passengers included are adults and children, not infants

Goomo Flights Offer

Customers of ICICI Bank can get up to Rs. 31,000 on flight booking.

Offer Details:

Coupon CodeĀ Ā GMICICIF

Offer PeriodĀ Ā Valid till 30 September 2019

Terms and Conditions:

  • ICICI Bank corporate cards are not applicable for this offer
  • Only Indian Citizens can avail this offer
  • Offer is valid on one way and round fare tickets

Also Read: ICICI Credit Card Offers

Axis Bank Credit Card Offers 2020

Axis Bank offersĀ different types of credit and debit cards to its customers. The bank also gives several offers and discounts to the Axis Bank debit and credit cardholders. It has over 50 offers for its credit cardholders. Some of these offers are also for theĀ Axis Bank debit cardholdersĀ and customers who are using the net banking facility.

Some of the main Axis Bank credit card offers are categorised here:

Axis Credit Card Offers: Lifestyle

Axis Bank credit cardholders can get exciting offers and discounts on shopping to make it a memorable experience. Details are mentioned below:

Brand NameDiscountPromo CodeValidity
Firstcry.comFlat 20% OffFCAX2031 March 2020
RentomojoFlat 15% OffAXIS10031 July 2019
Surat DiamondFlat 22% OffAXIS2231 March 2020
Talisman Precious JewelryBuy 1 and Get One at 50% OffAXIS201918 August 2019

EMI Options

Most banks allow credit cardholders to convert their purchases into easy EMIs for a period of 3, 6, 9, 12, 18, or 24 months. This is known as the EMI facility and the banks charge a nominal interest rate that varies slightly with each bank. The interest rate is lower for a shorter duration of EMI such as 3 and 6 months as compared to that of 18 and 24 months.

Banks allow customers to convert a purchase into EMI only if the amount exceeds the minimum limit set by the bank (usually Rs. 3,000). They have tie-ups with select merchants, brands, and companies and offer the EMI facility for any purchases made from the retail outlets or online stores of their partners. This is an ongoing offer. The usual interest rate for EMI facility is 12% for 3 and 6 months, 13% for 9 and 12 months, and 15% for 18 and 24 months. Customers can pay back the EMI from their credit card every month since the EMI amount is billed to the credit card.

Usually, the banks do not charge processing fees for the EMI offer. The EMI is calculated on a monthly reducing balance and the service tax levied on the EMIs is borne by the customer. Most banks do not offer the EMI facility on the purchases of gold, jewelry, etc. Corporate credit cards are also not eligible for theses credit card offers. The terms and conditions vary depending on the bank.

This credit card offer is only for the credit card holders of a bank and its biggest advantage is that the customer does not have to pay for a product at once while paying their credit card bill. They can repay for a purchase using the credit card in small installments over the course of a few months. Using this credit card offer, customers can buy products that are otherwise out of their budget.

Also Read: Axis Bank Credit Card Offers

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