Terms & Conditions

1. ICICI BANK

CUSTOMER CONSENT FOR EMI

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
EMI conversion subject to Banks discretion
EMI Applicable on ICICI Bank Credit Cards only
For queries call 01204033600 or Email plutus.support@pinelabs.com
EMI conversions takes minimum 5 working days subject to transaction settled
Cash Back is subject to conversion to EMI.
Foreclosure charges will be levied if the EMI option is opted for at the time of purchase and the customer later opts to cancel the EMI facility, effective 1st May 2025, per Bank’s T&C
Foreclosure charges of up to 3% on the outstanding principal amount plus next month’s interest shall be levied in the Card Account. The Card Member must contact ICICI Bank’s Customer Care for complete prepayment of the facility
If eligible for a cashback / subvention, same will be posted within 90 days of transaction month.

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
EMI conversion subject to Banks discretion
EMI Applicable on ICICI Bank Credit Cards only
For queries call 01204033600 or Email plutus.support@pinelabs.com
EMI conversions takes minimum 5 working days subject to transaction settled
Cash Back is subject to conversion to EMI.
Foreclosure charges will be levied if the EMI option is opted for at the time of purchase and the customer later opts to cancel the EMI facility, effective 1st May 2025, per Bank’s T&C
Foreclosure charges of up to 3% on the outstanding principal amount plus next month’s interest shall be levied in the Card Account. The Card Member must contact ICICI Bank’s Customer Care for complete prepayment of the facility
If eligible for a cashback / subvention, same will be posted within 90 days of transaction month.

2. AXIS BANK

CUSTOMER CONSENT FOR EMI

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
Foreclosure charges 3%+GST will be applicable on the outstanding principal amount.
EMI conversions take minimum 8 working days.
In the event of EMI cancellation due to a full or partial refund, or customer wishes to cancel EMI, the cardholder must contact the Bank’s Phone Banking team to initiate the cancellation process.
Pre-closure Interest/Pro rata interest will be applicable on all pre-closed loans.
In case a customer opts to cancel the EMI for which instant cashback was availed at the time of booking, then this EMI cancellation will be treated as a foreclosure. In such cases, applicable foreclosure charges of 3% of Principal outstanding at the time of cancellation + GST and other applicable taxes, cess, etc. (as mandated by Govt. from time to time) will be levied as a Foreclosure charge, within the next 120 days of EMI cancellation/foreclosure.
In case of any deferred cashback, the benefit will be credited only if both the EMI and the card remain active at the time of processing. Pre-closure or cancellation of the EMI/card will not be eligible for cashback.
EMI conversion subject to Banks discretion
For any further queries or details on your EMI, please contact Axis Customer Care at 1800 209 5577/ 1800 103 5577( toll free) or 1860 419 5555, 1860 500 5555 (charges applicable as per service provider) or email at email.services@axis.bank.in.
I understand that the cashback as above is being provided by the respective merchant /issuer depending on the offer
I understand that the cashback may take upto 120 days for processing by the merchant/ issuer and will be credited to me by the issuer only on receipt of the applicable cashback from the merchant/ issuer.
Please refer to T&C’s mentioned on the Bank website for complete details.
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com
EMI conversions takes minimum 8 working days.

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
Foreclosure charges 3%+GST will be applicable on the outstanding principal amount.
EMI conversions take minimum 8 working days.
In the event of EMI cancellation due to a full or partial refund, or customer wishes to cancel EMI, the cardholder must contact the Bank’s Phone Banking team to initiate the cancellation process.
Pre-closure Interest/Pro rata interest will be applicable on all pre-closed loans.
In case a customer opts to cancel the EMI for which instant cashback was availed at the time of booking, then this EMI cancellation will be treated as a foreclosure. In such cases, applicable foreclosure charges of 3% of Principal outstanding at the time of cancellation + GST and other applicable taxes, cess, etc. (as mandated by Govt. from time to time) will be levied as a Foreclosure charge, within the next 120 days of EMI cancellation/foreclosure.
In case of any deferred cashback, the benefit will be credited only if both the EMI and the card remain active at the time of processing. Pre-closure or cancellation of the EMI/card will not be eligible for cashback.
EMI conversion subject to Banks discretion
For any further queries or details on your EMI, please contact Axis Customer Care at 1800 209 5577/ 1800 103 5577( toll free) or 1860 419 5555, 1860 500 5555 (charges applicable as per service provider) or email at email.services@axis.bank.in.
I understand that the cashback as above is being provided by the respective merchant /issuer depending on the offer
I understand that the cashback may take upto 120 days for processing by the merchant/ issuer and will be credited to me by the issuer only on receipt of the applicable cashback from the merchant/ issuer.
Please refer to T&C’s mentioned on the Bank website for complete details.
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com
EMI conversions takes minimum 8 working days.

3. KOTAK BANK

CUSTOMER CONSENT FOR EMI

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
EMI conversion subject to Banks discretion
For Instant Discounts campaigns, foreclosure charges will be applicable even if the card member wants to cancel the Merchant EMI within 15days.
The Card Member may close the facility (prepayment of the outstanding amount) at any time by contacting Kotak Bank’s Customer Care to avail the foreclosure. Foreclosure charges of up to 2% (of principal outstanding at the time of closure) + GST @ 18% for Merchant EMI on the outstanding principal amount shall be levied in the Card Account. The Card Member must contact Kotak Bank’s Customer Care for complete prepayment of the facility.
For eligible customer Cash back for loan account to be posted after 90/120 days after offer end period
Please refer to T&C’s mentioned on the Bank website for complete details. Avail Credit Card Merchant EMI on Consumer Durables and more | Bank
EMI Applicable on Credit Cards only.
EMI conversions takes minimum 4 working days.
For queries call 01204033600 or Email plutus.support@pinelabs.com

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
EMI conversion subject to Banks discretion
For Instant Discounts campaigns, foreclosure charges will be applicable even if the card member wants to cancel the Merchant EMI within 15days.
The Card Member may close the facility (prepayment of the outstanding amount) at any time by contacting Kotak Bank’s Customer Care to avail the foreclosure. Foreclosure charges of up to 2% (of principal outstanding at the time of closure) + GST @ 18% for Merchant EMI on the outstanding principal amount shall be levied in the Card Account. The Card Member must contact Kotak Bank’s Customer Care for complete prepayment of the facility.
For eligible customer Cash back for loan account to be posted after 90/120 days after offer end period
Please refer to T&C’s mentioned on the Bank website for complete details. Avail Credit Card Merchant EMI on Consumer Durables and more | Bank
EMI Applicable on Credit Cards only.
EMI conversions takes minimum 4 working days.
For queries call 01204033600 or Email plutus.support@pinelabs.com

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
EMI conversion subject to Banks discretion
For Instant Discounts campaigns, foreclosure charges will be applicable even if the card member wants to cancel the Merchant EMI within 15days.
The Card Member may close the facility (prepayment of the outstanding amount) at any time by contacting Kotak Bank’s Customer Care to avail the foreclosure. Foreclosure charges of up to 2% (of principal outstanding at the time of closure) + GST @ 18% for Merchant EMI on the outstanding principal amount shall be levied in the Card Account. The Card Member must contact Kotak Bank’s Customer Care for complete prepayment of the facility.
For eligible customer Cash back for loan account to be posted after 90/120 days after offer end period
Please refer to T&C’s mentioned on the Bank website for complete details. Avail Credit Card Merchant EMI on Consumer Durables and more | Bank
EMI Applicable on Credit Cards only.
EMI conversions takes minimum 4 working days.
For queries call 01204033600 or Email plutus.support@pinelabs.com

4. Yes BANK

CUSTOMER CONSENT FOR EMI

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI option.
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
For the first EMI, the interest will be calculated from the loan booking date till the payment due date.
For eligible customers, the cashback for EMI availed will be posted after 90days of completion of the offer period/ campaign
The instant discount under No Cost EMI may vary with the actual interest charged in the statement as instant discount is calculated at flat rates for each tenure.
Merchant payback (subvention), wherever applicable is being provided by the respective Merchant/ Manufacturer and not by Issuer Bank or Aggregator
EMI conversion is subject to Banks discretion and will be converted within 4 working days.
I understand and agree that the terms of EMI scheme shall be governed by the Card member Agreement signed/executed by me with YES Bank Limited.
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com
For detailed T&C please refer to the YES bank website.

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI option.
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
For the first EMI, the interest will be calculated from the loan booking date till the payment due date.
For eligible customers, the cashback for EMI availed will be posted after 90days of completion of the offer period/ campaign
The instant discount under No Cost EMI may vary with the actual interest charged in the statement as instant discount is calculated at flat rates for each tenure.
Merchant payback (subvention), wherever applicable is being provided by the respective Merchant/ Manufacturer and not by Issuer Bank or Aggregator
EMI conversion is subject to Banks discretion and will be converted within 4 working days.
I understand and agree that the terms of EMI scheme shall be governed by the Card member Agreement signed/executed by me with YES Bank Limited.
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com
For detailed T&C please refer to the YES bank website.

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI option.
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
For the first EMI, the interest will be calculated from the loan booking date till the payment due date.
For eligible customers, the cashback for EMI availed will be posted after 90days of completion of the offer period/ campaign
The instant discount under No Cost EMI may vary with the actual interest charged in the statement as instant discount is calculated at flat rates for each tenure.
Merchant payback (subvention), wherever applicable is being provided by the respective Merchant/ Manufacturer and not by Issuer Bank or Aggregator
EMI conversion is subject to Banks discretion and will be converted within 4 working days.
I understand and agree that the terms of EMI scheme shall be governed by the Card member Agreement signed/executed by me with YES Bank Limited.
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com
For detailed T&C please refer to the YES bank website.

5. IndusInd BANK

CUSTOMER CONSENT FOR EMI

I have been offered the choice of payment for this purchase. Complete payment and EMI, and I have voluntarily chosen EMI facility provided by IndusInd bank on my credit card.
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is as per the IndusInd Bank CC product feature.
Foreclosure charges 3%+GST will be applicable on the outstanding principal amount. Pre-closure Interest/Pro rata interest will be applicable on all preclosed loans.
In the event of cancellation or pre-closure of the EMI transaction, applicable foreclosure charges may be levied and any instant discount/benefit availed will be reversed and debited to the card account. This amount will appear as a charge on (debited to) your card account and will be listed in your statement for transparency.
Foreclosure charges will be reversed for 100% refund cases only.
In the event of EMI cancellation due to a full or partial refund, or customer wishes to cancel EMI, the cardholder must contact the Banks Phone Banking team to initiate the cancellation process.
EMI conversion subject to Banks discretion and will take 7 working days.
Please refer to T&C’s mentioned on the Bank website for complete details. Link - https://www.indusind.bank.in/in/en/personal/indus-easy-emi-tnc.html
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com

I have been offered the choice of payment for this purchase. Complete payment and EMI, and I have voluntarily chosen EMI facility provided by IndusInd bank on my credit card.
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is as per the IndusInd Bank CC product feature.
Foreclosure charges 3%+GST will be applicable on the outstanding principal amount. Pre-closure Interest/Pro rata interest will be applicable on all preclosed loans.
In the event of cancellation or pre-closure of the EMI transaction, applicable foreclosure charges may be levied and any instant discount/benefit availed will be reversed and debited to the card account. This amount will appear as a charge on (debited to) your card account and will be listed in your statement for transparency.
Foreclosure charges will be reversed for 100% refund cases only.
In the event of EMI cancellation due to a full or partial refund, or customer wishes to cancel EMI, the cardholder must contact the Banks Phone Banking team to initiate the cancellation process.
EMI conversion subject to Banks discretion and will take 7 working days.
Please refer to T&C’s mentioned on the Bank website for complete details. Link - https://www.indusind.bank.in/in/en/personal/indus-easy-emi-tnc.html
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com

I have been offered the choice of payment for this purchase. Complete payment and EMI, and I have voluntarily chosen EMI facility provided by IndusInd bank on my credit card.
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip
For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is as per the IndusInd Bank CC product feature.
Foreclosure charges 3%+GST will be applicable on the outstanding principal amount. Pre-closure Interest/Pro rata interest will be applicable on all preclosed loans.
In the event of cancellation or pre-closure of the EMI transaction, applicable foreclosure charges may be levied and any instant discount/benefit availed will be reversed and debited to the card account. This amount will appear as a charge on (debited to) your card account and will be listed in your statement for transparency.
Foreclosure charges will be reversed for 100% refund cases only.
In the event of EMI cancellation due to a full or partial refund, or customer wishes to cancel EMI, the cardholder must contact the Banks Phone Banking team to initiate the cancellation process.
EMI conversion subject to Banks discretion and will take 7 working days.
Please refer to T&C’s mentioned on the Bank website for complete details. Link - https://www.indusind.bank.in/in/en/personal/indus-easy-emi-tnc.html
EMI Applicable on Credit Cards only.
For queries call 01204033600 or Email plutus.support@pinelabs.com

6. HDFC Bank

CUSTOMER CONSENT FOR EMI

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip. Additional charges are applicable ; Pre closure charges-3%+GST. Preclosure Interest/Pro rata interest will be applicable on all preclosed loans.
If your loan is pre-closed or cancelled, any cashback, discount, or merchant payback you received at the time of purchase or loan booking will be reversed. This amount will appear as a charge on (debited to) your card account within 120 days of the loan pre-closure or cancellation date and will be listed in your statement for transparency.
I understand that this EMI facility is between me and HDFC Bank basis my relationship / account held and the merchant/manufacturer will not be held responsible for the same.
Advance EMI as mentioned above will be billed on the next day of loan boarding wherever applicable
EMI Applicable on Creditcards/Debit Cards only.
For Eligible customer Cash back for loan account to be posted after 90/120 days after offer end period
EMI conversion subject to Banks discretion and may take minimum 4 working days
For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is as per the HDFC Bank CC product feature.
Please refer to T&C’s mentioned on the Bank website for complete details. Avail Debit Card EMI on Consumer Durables | HDFC Bank
EMI Applicable on Credit Cards only.
Cashback will be posted only if the loan is active. Preclosed/Cancelled loans not eligible for cashback.

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip. Additional charges are applicable ; Pre closure charges-3%+GST. Preclosure Interest/Pro rata interest will be applicable on all preclosed loans.
If your loan is pre-closed or cancelled, any cashback, discount, or merchant payback you received at the time of purchase or loan booking will be reversed. This amount will appear as a charge on (debited to) your card account within 120 days of the loan pre-closure or cancellation date and will be listed in your statement for transparency.
I understand that this EMI facility is between me and HDFC Bank basis my relationship / account held and the merchant/manufacturer will not be held responsible for the same.
Advance EMI as mentioned above will be billed on the next day of loan boarding wherever applicable
EMI Applicable on Creditcards/Debit Cards only.
For Eligible customer Cash back for loan account to be posted after 90/120 days after offer end period
EMI conversion subject to Banks discretion and may take minimum 4 working days
For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is as per the HDFC Bank CC product feature.
Please refer to T&C’s mentioned on the Bank website for complete details. Avail Debit Card EMI on Consumer Durables | HDFC Bank
EMI Applicable on Credit Cards only.
Cashback will be posted only if the loan is active. Preclosed/Cancelled loans not eligible for cashback.

I have been offered the choice of normal as well as EMI for this purchase and I have chosen EMI
I have fully understood and accept the terms of EMI scheme and applicable charges mentioned in this charge-slip. Additional charges are applicable ; Pre closure charges-3%+GST. Preclosure Interest/Pro rata interest will be applicable on all preclosed loans.
If your loan is pre-closed or cancelled, any cashback, discount, or merchant payback you received at the time of purchase or loan booking will be reversed. This amount will appear as a charge on (debited to) your card account within 120 days of the loan pre-closure or cancellation date and will be listed in your statement for transparency.
I understand that this EMI facility is between me and HDFC Bank basis my relationship / account held and the merchant/manufacturer will not be held responsible for the same.
Advance EMI as mentioned above will be billed on the next day of loan boarding wherever applicable
EMI Applicable on Creditcards/Debit Cards only.
For Eligible customer Cash back for loan account to be posted after 90/120 days after offer end period
EMI conversion subject to Banks discretion and may take minimum 4 working days
For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is as per the HDFC Bank CC product feature.
Please refer to T&C’s mentioned on the Bank website for complete details. Avail Debit Card EMI on Consumer Durables | HDFC Bank
EMI Applicable on Credit Cards only.
Cashback will be posted only if the loan is active. Preclosed/Cancelled loans not eligible for cashback.