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  1. I confirm that I have chosen EMI as the payment option to complete this transaction.

  2. I understand that a processing fee of Rs. 249 plus taxes will be charged on this EMI transaction and EMI conversion will be processed in 3 working days. 

  3. Bank has the sole right to decline or accept any EMI conversion request subject to the eligibility of the customer.

  4. I understand that the EMI amount will be a part of the Minimum Amount Due payable during the EMI tenure.

  5. I understand that in case of partial or full transaction reversal or cancellation, I must reach out to the bank for EMI cancellation. 

  6. In case EMI conversion has been done against a transaction then the EMI can only be foreclosed and EMI facility cannot be cancelled.

  7. In case of foreclosure of EMI, foreclosure fee of 3% will be levied on the outstanding principal amount of EMI transaction along with the Pro-Rated Interest will be charged to the customer.

    a) Pro-Rated interest is the interest amount applicable for period between EMI conversion date and date of foreclosure in case no EMI is billed.

    b) In case any EMI is billed, pro-rated interest amount will be the interest amount applicable between last EMI billed date and date of foreclosure. Interest   will not be charged for the remaining EMI tenure post foreclosure.

  8. Entering the PIN number, One-time password or tapping the credit card for contactless payment will be treated as the acceptance of all terms and conditions.

  9. I have fully understood and have accepted the terms and conditions of converting credit card transactions in EMIs (as given in the cardmember agreement on the website
    https://www.idfcfirstbank.com/content/dam/IDFCFirstBank/PDF/Card-Member-Agreement.pdf).

  10. GST will be applicable on interest; Processing fee and Foreclosure charges will be billed separately along with respective charges and taxes.

  11. I understand that the EMI/Subvention and any additional cashback if applicable, may take up to 90 days for processing and will be credited to my credit card by issuing bank, only on receipt of the cashback from the merchant/ manufacturer and subject to Issuing Bank’s discretion.

  12. I understand that in a No-Cost or Low-cost EMI transaction the merchant/manufacturer gives the discount/cashback amount to cover the complete or partial amount of interest levied by the bank. Bank does not have any role to play in No-Cost or Low-Cost EMI transactions and bank will continue to levy interest on the EMI transaction. 

  13. I understand that Processing/Foreclosure fees/GST applicable on any fees levied by the bank are not part of the No-cost or Low-cost offering provided by the merchant/manufacturer.

  14. I understand that Bank reserves the right to reverse any benefit availed by me, as a cashback or instant discount, in case the EMI transaction is foreclosed.

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