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Terms & Conditions

• The value of the credit card transaction should be INR 5000 or more to be eligible for conversion of transaction to EMI. Other debit transactions like cash withdrawals, Balance Transfer and card fees will not be eligible for this facility
• The loan will be offered for a maximum tenor of 12 months with slabs of 3, 6, 9 and 12 months
• The Equated Monthly Installment (EMI) amount will be billed to the credit card every month on the same date as the first installment date
• The entire EMI amount will be included in calculation of Minimum Amount Due payable by the cardholder
• During the running period of EMI's the cardholder cannot close the Axis Bank credit card. However if he does so, before all installments have been posted, the outstanding EMI Principal amount will be debited to the card account as one consolidated amount and interest @ 2.95% p.m. applicable to credit card shall be charged
• Pre-payment charges on foreclosure of the EMI facility will apply at the rate of 3% on the outstanding principal amount of the loan
• Axis Bank reserves the right to foreclose the loan and debit the entire outstanding amount to customer?s credit card statement if the customer defaults on payment of two consecutive EMIs
• Any requests by add-on cardholders will be billed to the primary card
• No request for changes in the billing cycle shall be entertained during the entire loan period. The loan period is defined as the loan tenor selected by the cardholder at the time of request
• Service Tax will be applicable on Processing fee, Foreclosure fee and interest amount and will be billed in the same statement in which the above charges are levied
• Axis Bank reserves the right at any time without previous notice to add, alter, modify, change or vary all or any of these Terms and Conditions or to replace, wholly or in part, this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether. Which if done shall be binding on the cardholder and the cardholder shall abide by the said rules. If withdrawn, those who have opted shall continue to get the right to pay through EMIs for the already approved conversion
• The Bank may at its sole discretion accept or reject the EMI conversion request without assigning any reason whatsoever
• The participants will not hold Axis Bank responsible for or liable for, any actions, claims, demands, losses, damages, costs, charges, and expenses that a participant may suffer, sustain or incur by way of this scheme
• All and any disputes arising from the EMI facility shall be subject to the exclusive jurisdiction of the courts of Mumbai