FAQ

Note:

• The EMI facility is being offered by the respective banks to the customer and OnePlus Technology India Private Limited has no role to play in the approval, extension, pricing, modification, pre-closure, closure or any matter incidental thereto pertaining to offering of EMI facility, which is decided at the sole discretion of the bank.

• The EMI facility being offered by the banks to the customers is governed by respective terms and conditions of each bank/issuer and the customer is advised to approach the bank/issuer in case of any complaint, disputer or enquiry about an EMI transaction.

OnePlus Offers on HDFC Bank Credit Card EMI from 1^st June – 30^th June 2026

• Offer is applicable only on HDFC Bank Credit Cards EMI transactions.
• Offer applicable on select channels/ platforms only. Please check the eligibility on the website/app/store before purchase.

TERMS PRESCRIBED BY THE ALLIANCE PARTNER (Online channels)

• Offer is applicable only on CC EMI Transactions as per the above table.
• The offer is NOT applicable on 3 months EMI tenure
• The offer is not applicable on transactions done through any other payment mode than the above-mentioned modes.
• Offer can be availed on maximum 1 transaction/Card/Channel/Category during the Offer Period.
• In case of any dispute or queries related to the offer on OnePlus.in or OnePlus retail stores, Card members can reach out to OnePlus’s customer care team at 1800 102 8411 within 20 days of the transaction.
• The offer is not applicable on cancelled/returned orders.
• This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Marriot, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, PhonePay, Snapdeal Cards for EasyEMI transactions on Credit Card.

General Bank Terms and Conditions –

• The offer is an instant discount and will be provided upfront at the time of purchase.
• 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.
• Purchases done using HDFC Bank Credit card via UPI mode shall not be eligible for this offer.
• 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.
• Offer valid only on Retail Credit Cards, Business and select Corporate Cards and Commercial Credit cards.
• This offer is non-cashable, not extendable, and non-negotiable.
• 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 a special offer from the merchant partner 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.

HDFC Bank EasyEMI Terms and Conditions –

• Charges involved on a EasyEMI transaction -

1. Processing fees of INR 299 + GST
2. Gap Interest will be levied on First EMI calculated from the loan booking date to payment due date
3. GST will be levied on Processing Fee, Gap interest and Pre-closure fee as applicable

• In the Case of No Cost EMI benefit offered by Merchants, the interest that will be charged by the Bank for the EMI transaction will be provided as upfront discount at the time of transaction or during the loan booking as applicable by the transaction mode.
• Bank will continue to charge interest during the tenure opted by the customer at the annual interest rate by reducing balance method. In Monthly reducing balance cycle, the principle loan amount is reduced for every EMI paid and interest is calculated in the balance of outstanding principle loan amount to be paid.
• In the event of customer preclosing/ cancelling EMI on an originally Credit Card EMI or Debit Card EMI transaction, 'Pre-closure Interest charges' + 3% Pre-closure Fee on principle Outstanding (as applicable) will apply at the time of all Pre-closures.
• Benefits like payback / Instant discount etc offered by the merchant at the time of loan booking will be debited within 120 days of EMI closure. Cashback will be posted only those transaction for which loans are active as on posting date.
• Refer the link given below for detailed terms and conditions of EMI transactions. https://www.hdfcbank.com/personal/borrow/popular-loans/easy-emi/easyemi-on-consumer-durables .

OnePlus Offers on HDFC Bank Credit Card Full Swipe from 1^st June -7^th June 2026

• Offer is applicable only on HDFC Bank Credit Cards Full Swipe transactions.
• Offer applicable on select channels/ platforms only. Please check the eligibility on the website/app/store before purchase.

TERMS PRESCRIBED BY THE ALLIANCE PARTNER (Online channels)

• Offer is applicable only on CC FS Transactions as per the above table.
• The offer is not applicable on transactions done through any other payment mode than the above-mentioned modes.
• Offer can be availed up to Rs. 200 per card/Category (multiple transactions allowed per card up to 200 discount capping) during the offer period. (Amazon)
• Offer can be availed on maximum 1 transaction/Card/Channel/Category during the Offer Period (Flipkart and OnePlus.in)
• In case of any dispute or queries related to the offer on OnePlus.in or OnePlus retail stores, Card members can reach out to OnePlus’s customer care team at 1800 102 8411 within 20 days of the transaction.
• The offer is not applicable on cancelled/returned orders.
• This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Marriot, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, PhonePay, Snapdeal Cards for EasyEMI transactions on Credit Card.

TERMS PRESCRIBED BY THE ALLIANCE PARTNER (Mainline Channels)

• Offer is applicable only on CC FS Transactions as per above table.
• The offer is not applicable on transactions done through any other payment mode.
• The offer is valid on CC EMI transactions as per the above table opted for at the time of transaction and done on PineLabs Paytm EDC machines only.
• Offer can be availed on maximum 1 transaction/Card/Category during the Offer Period.
• Offer applicable only on one product per invoice.
• In Online sites of Large Format Retail stores, offer will be valid only on transactions routed through Pinelabs payment gateway: - Croma, Reliance Digital, Vijay Sales, Bajaj Electronics, Top 10, Poojara, Sangeetha, www.reliancedigital.in, www.jiomart.com or myjioapp, www.croma.com, and www.vijaysales.com.
• Offers at participating stores will be applicable on transactions done under Brand EMI scheme on Pine labs/Paytm EDC machine.
• The offer is not valid on Card on Delivery transactions.
• This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Marriot, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, PhonePay, Snapdeal Cards for EasyEMI transactions on Credit Card.

General Bank Terms and Conditions –

• The offer is an instant discount and will be provided upfront at the time of purchase.
• 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.
• Purchases done using HDFC Bank Credit card via UPI mode shall not be eligible for this offer.
• 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.
• Offer valid only on Retail Credit Cards, Business and select Corporate Cards and Commercial Credit cards.
• This offer is non-cashable, not extendable, and non-negotiable.
• 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 a special offer from the merchant partner 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.

HDFC Bank EasyEMI Terms and Conditions –

• Charges involved on a EasyEMI transaction -

1. Processing fees of INR 299 + GST
2. Gap Interest will be levied on First EMI calculated from the loan booking date to payment due date
3. GST will be levied on Processing Fee, Gap interest and Pre-closure fee as applicable

• In the Case of No Cost EMI benefit offered by Merchants, the interest that will be charged by the Bank for the EMI transaction will be provided as upfront discount at the time of transaction or during the loan booking as applicable by the transaction mode.
• Bank will continue to charge interest during the tenure opted by the customer at the annual interest rate by reducing balance method. In Monthly reducing balance cycle, the principle loan amount is reduced for every EMI paid and interest is calculated in the balance of outstanding principle loan amount to be paid.
• In the event of customer preclosing/ cancelling EMI on an originally Credit Card EMI or Debit Card EMI transaction, 'Pre-closure Interest charges' + 3% Pre-closure Fee on principle Outstanding (as applicable) will apply at the time of all Pre-closures.
• Benefits like payback / Instant discount etc offered by the merchant at the time of loan booking will be debited within 120 days of EMI closure. Cashback will be posted only those transaction for which loans are active as on posting date.
• Refer the link given below for detailed terms and conditions of EMI transactions. https://www.hdfcbank.com/personal/borrow/popular-loans/easy-emi/easyemi-on-consumer-durables .

OnePlus Offers on IDFC First Bank Credit Card EMI from 1^st June – 15^th June 2026

• Offer is applicable only IDFC First Bank Credit Cards EMI transactions.
• Offer applicable on select channels/ platforms only. Please check the eligibility on the website/app/store before purchase.

TERMS PRESCRIBED BY THE ALLIANCE PARTNER (Online channels)

• Offer is applicable only on CC EMI Transactions as per the above table.
• The offer is not applicable on transactions done through any other payment mode than the above-mentioned modes.
• Offer can be availed on maximum 1 transaction/Card/Channel/Category during the Offer Period.
• In case of any dispute or queries related to the offer on OnePlus.in or OnePlus retail stores, Card members can reach out to OnePlus’s customer care team at 1800 102 8411 within 20 days of the transaction.
• The offer is not applicable on cancelled/returned orders.

Bank Customer Consent Terms for Credit Card Merchant EMI transactions

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 transaction 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. 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.
6. Pro-Rated interest is the interest amount applicable for period between EMI conversion date and date of foreclosure in case no EMI is billed.
7. 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. Pre-EMI interest will be charged on this EMI transaction
9. Pre-EMI is a one-time interest charged for the days between your EMI conversion and your first statement.
10. Pre- EMI interest will be billed on the upcoming statement date & Regular EMI cycle will start from the statement following your upcoming statement.
11. Pre-EMI interest will be calculated based on EMI interest rate
12. I have fully understood and have accepted the terms and conditions (as given in the cardmember agreement on the website https://www.idfcfirstbank.com) of converting credit card transactions in EMIs.
13. GST will be applicable on interest; Processing fee and Foreclosure charges will be billed separately along with respective charges and taxes.
14. 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.
15. 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. Pre-EMI Interest will not be part of the No-Cost or Low-Cost EMI benefit given by the merchant/manufacturer.
16. I understand that Processing/Foreclosure fees/GST/Pre-EMI Interest applicable on any fees levied by the bank are not part of the No-cost or Low-cost offering provided by the merchant/manufacturer.
17. 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.
18. 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.

Bank Standard Terms & Conditions

• Cardholder will mean any person who is holding an active IDFC FIRST Bank Credit Cards.
• Merchant or Merchant establishment will mean any establishment where the IDFC FIRST Bank Credit & Debit Card mentioned in the offer has been used for making a purchase.
• The offer can be availed as per terms mentioned in the offer and only on transactions done at Merchant establishment using an active IDFC FIRST Bank Credit & Debit Cards.
• The offer will be valid only on or within the dates mentioned in the offer details
• No two offers can be clubbed together. Please note this offer cannot be clubbed with other promotions or offer or membership or any voucher or discount or packages that a customer might have received from the Merchant or IDFC FIRST Bank.
• Cardholder’s eligibility for the offer will be decided by IDFC FIRST Bank. In case of all matters relating to the offer including any dispute or discrepancy relating to the offer or eligibility of any Cardholder, IDFC FIRST Bank’s sole decision shall be final and binding on Cardholders in all respects.
• All Customer Queries/dispute on the offer should be raised during the offer period or within 7 days after expiry of the offer or promotion period.
• Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the cardholder and/ or billed to the account of the cardholder.
• All Bank and Merchant Standard Terms & Conditions will apply.
• Incomplete / rejected / invalid /returned /cancelled / refunded/ disputed or unauthorized/ fraudulent transactions will not be considered for the offer.
• The offer is non-binding, non-transferable, non-cashable and non-negotiable.
• 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.
• Any dispute or claim regarding the discount, delivery, service, suitability, merchantability, availability or quality of product/services availed under this offer must be addressed in writing, by the cardholder directly to the Merchant establishment. 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 etc. availed by the Card Holder/s under the said Offer
• Any dispute relating to the offer will be settled under the sole and exclusive jurisdiction of Mumbai courts only. Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the goods and services or the discount offered by the Merchant
• No substitutions or exchange of Offer, other than what is detailed in the communication sent to the Card Holder/s shall be allowed. However, Merchant & IDFC FIRST Bank reserve the right to substitute and/or change the Offer or any of them, without any intimation or notice, written or otherwise to the Card Holder/s.
• The decision of Merchant & IDFC FIRST Bank will be final and binding on all and any correspondence in this regard will not be entertained.
• IDFC FIRST Bank will not be responsible or liable in case the offer is not configured or could not be availed due to technical or other reasons.
• IDFC FIRST Bank reserves 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. In case of any fraudulent activity, for the purpose of availing the benefits under the Offer, necessary action will be taken by the Bank. Please note Bank’s has its own sole discretion in this regard which shall be final and binding.
• Images provided in promotions are only for pictorial representation and IDFC FIRST Bank does not undertake any liability or responsibility for the same.
• Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any products/ services of Merchant or any third party and is not intended to create any rights and obligations.
• The offer by IDFC FIRST Bank is subject to applicable laws and regulatory guidelines/ regulations and as per bank's extant guidelines from time to time.
• Customer under this Offer and/or otherwise will be additionally governed by Terms and conditions of IDFC FIRST Bank Card Member Agreement. Customer can view the terms and conditions on the online portal https://www.idfcfirstbank.com
• Any person taking the advantage of this offer shall be deemed to have read, understood and accepted these terms and conditions.

OnePlus Offers on Kotak Bank Credit Card EMI from 1^st June – 30^th June 2026

• Offer is applicable only on Kotak Credit Card EMI transactions.
• Offer applicable on select channels/ platforms only. Please check the eligibility on the website/app/store before purchase.

TERMS PRESCRIBED BY THE ALLIANCE PARTNER (Online channels)

• Offer is applicable only on CC EMI Transactions as per the above table.
• The offer is not applicable on transactions done through any other payment mode than the above-mentioned modes.
• Offer can be availed on maximum 1 transaction/Card/Channel/Category during the Offer Period.
• In case of any dispute or queries related to the offer on OnePlus.in or OnePlus retail stores, Card members can reach out to OnePlus’s customer care team at 1800 102 8411 within 20 days of the transaction.
• The offer is not applicable on cancelled/returned orders.

General Bank Terms and Conditions –

1. This offer is from Kotak Mahindra Bank Limited (“Bank”) under an arrangement with OnePlus Technology (“Merchant”) and is open to all residents of India holding a valid and current Kotak credit Card (“Cardholder”).
2. Offer is valid only if ‘Cashback/Discount’ is mentioned on Bill Summary. Customers are requested to retain Bill Summary for 180 days post offer end date.
3. Customers availing this Offer shall be eligible for a maximum cashback of upto Rs. 5000 for selected SKUs.
4. Customers who default in paying the EMI shall not be eligible for the Cashback.
5. Offer is valid on only select online and offline channels.
6. Delinquent and cancelled transactions will not qualify for this Offer.
7. Participation in this Offer is voluntary.
8. The Offer is non-transferable, non-encashable and non-negotiable.
9. Any Customer eligible for the Offer shall be deemed to have read, understood and accepted these terms and conditions, general terms and conditions of the Bank and terms and conditions of the Merchant in relation to the Offer before availing the Offer. Bank merely facilitates its Customers to avail the Offer and it is in no way concerned or connected in respect of the terms and conditions of Merchant.
10. The Bank and Merchant, reserve the right to disqualify any Customer 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.
11. Bank and Merchant reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or withdraw this Offer altogether.
12. The Bank shall not be responsible or liable in any manner whatsoever for any deficiency or inadequacy in the services rendered by Merchant, its agents or representatives and the Customer hereby understands, acknowledges and agrees not to hold the Bank responsible or liable for, any losses, damages, costs, charges, expenses, claims (whether direct or indirect), actions or demands suffered by the Customer in relation to availing the benefits under the Offer.
13. The Bank holds out no warranty and makes no representation about the quality, delivery or otherwise of the goods and services offered by Merchant.
14. If Instant discount is availed and EMI is cancelled even within 15 days, a foreclosure fees will be applicable. Click here for additional terms. The decision of the Bank and Merchant in all matters in connection with and incidental to this Offer is final and shall be binding on all persons.
15. Disputes, if any, arising out of or in connection with or as a result of above Offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai.
16. Offer is for one time use only and cannot be clubbed with any other Offer.
17. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the Bank will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges