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    Frequently Asked Questions

    1. What is the offer?

      • Instant Discount of up to INR 1,750 on HDFC Bank Credit Card (EMI & Non-EMI) transactions on the purchase of select products.
      • Additional Instant Discount of up to INR 4,500 on HDFC Bank Credit Card (Non-EMI & EMI transactions) on purchase of select products.
      • The offer is NOT applicable on Corporate and Commercial cards.
      • The bank offer discount that you are able to see on the Product page is applicable on select cards. To check if the discount is applicable on your card, enter the card details on the 'Payment' page and check the discount applied.

    2. What are the Offer Benefits?

    Offer Period– 4th October 2025 (00:00 Hours) to 8th October 2025 (23:59 Hours)

    • Categories: Sitewide

      • Maximum Offer Savings per Credit Card (EMI Txns): INR 1,750
      • Base Offer: 10% instant discount

    ● Category: Grocery

    o Minimum Transaction Value: INR 2,499

    o Maximum Discount (Non-EMI + EMI Txns): INR 10% up to 250

    ● Category: Minutes

    o Minimum Transaction Value: INR 1,000

    o Maximum Discount (Non-EMI + EMI Txns): INR 10% up to 150

    ● Category: Mobiles

    o Minimum Transaction Value: INR 4,990

    o Maximum Discount (Non-EMI Txns): INR 10% up to 1,000

    o Maximum Discount (EMI Txns): INR 10% up to 1,500

    ● Category: Fashion & Lifestyle

    o Minimum Transaction Value: INR 2,000

    o Maximum Discount (Non-EMI & EMI Txns): INR 10% up to 750

    ● Category: All other categories

    o Minimum Transaction Value: INR 4,990

    o Maximum Discount (Non-EMI Txns): INR 10% up to 1,250

    o Maximum Discount (EMI Txns): INR 10% up to 1,750

    • Maximum Base Offer Discount per Credit Card (EMI Transactions): INR 1,750

    • Bonus Offers: Additional INR 4,500 Off

      • Bonus Offer 1: Additional Rs. 500 off per Credit Card on Non-EMI Txns and Rs. 750 off per Credit Card on EMI Txn on a Net Cart Value of Rs. 24,990 and above (on selected products).
      • Bonus Offer 2: Additional Rs. 1,000 off per Credit Card on Non-EMI Txns and Rs. 1,250 off per Credit Card on EMI Txn on a Net Cart Value of Rs. 39,990 and above (on select mobile products).
      • Bonus Offer 3: Additional Rs. 2,000 off per Credit Card on Non-EMI Txns and Rs. 2,500 off per Credit Card on EMI Txn on a Net Cart Value of Rs. 69,990 and above (on selected products).

    In the event the customer returns any/all products in the order placed during the offer period, thereby not maintaining the minimum purchase value, as required to avail the Offer, he/she shall not be eligible for the Offer. Accordingly, the amount availed as a discount under the Offer shall stand deducted from any refund(s) processed for the returned product(s).

    If an order is cancelled, the offer may take up to 24 hours to refresh for the customer to utilize it again.

    1. What is the offer duration?

      • 4th October 2025 (00:00 Hours) to 8th October 2025 (23:59 Hours)

    2. What are the eligibility conditions?

      • How do I check if a product is eligible?
        The offers will apply to the purchase of select products only. Please check if the offer is listed on the product page before making the purchase.
      • Is the offer applicable on all HDFC Bank Cards?
        This Offer is applicable only on HDFC Bank Credit Card EMI and Non-EMI transactions. The offer is NOT applicable on Debit Card EMI, Debit Card Non-EMI transactions, Cardless EMI and Commercial or Corporate Cards. The offer is NOT applicable on transactions made through Internet Banking or UPI payment options.
      • Offer is applicable on 6 Months and Above Tenures only.
      • Will I get the offer if I pay through Flipkart Gift Card partially?
        Yes, you can avail of the offer. In this case, the offer will only apply to the amount paid through HDFC Bank Credit Card transactions against the eligible product(s). This amount should be equal to or greater than the Min Txn Value details mentioned above.
      • How many times can this offer be applied?
        Customers can avail of a Maximum Base Offer Discount of up to INR 1,750 per Credit Card on EMI transactions. The maximum discount per card is a cumulative saving across all platforms of Flipkart (Flipkart, Travel, Minutes). The Bonus Offer can be availed only once per card during the offer duration.

    5. How do I avail the offer?

    • Offer Duration: 4th October 2025 (00:00 Hrs) to 8th October 2025 (23:59 Hours)
    • Under this Offer, Cardholders will get a base offer discount of up to INR 1,750 on the purchase of select products on the platform during the offer period.
    • The discount will be applied to the Net Cart Value (NCV). NCV shall mean the total value of only the eligible product/s in the cart after all applicable discounts and exchange offer redemptions.
    • The minimum Net Cart Value (NCV) to avail the Base Offer on Grocery is 2499
    • The minimum Net Cart Value (NCV) to avail the Base Offer on Fashion and Lifestyle is INR 2,000.
    • The minimum Net Cart Value (NCV) to avail the Base Offer on Minutes is INR 1,000.

    • The minimum Net Cart Value (NCV) to avail the Base Offer on Mobiles and other categories (excluding Grocery, Fashion and Minutes) is 4,990

      • Minimum Net Cart Value (NCV) to avail the Bonus Offer 1 is INR 24,990.
      • Minimum Net Cart Value (NCV) to avail the Bonus Offer 2 is INR 39,990.
      • Minimum Net Cart Value (NCV) to avail the Bonus Offer 3 is INR 69,990.
    • The Maximum Offer Discount of up to INR 1,750 during offer period per Credit Card (EMI & Non-EMI) transaction can be availed in any number of transactions during the offer period.
    • Offer is applicable on 6 Months and Above Tenures only.
    • The offer is applicable at www.flipkart.com, m.flipkart.com, and Flipkart mAPP (mobile Application).
    • The offer is not applicable on payments made via Net Banking or UPI.
    • The discount will be calculated on the net paid amount by the customer post any other discounts, exchange offer redemptions, and refunds.

    Other Terms and Conditions

    • Preliminary

      • This offer (“Offer”) is co-sponsored by HDFC Bank Limited (HDFC Bank / Bank) and Flipkart Advanz Private Limited (“Flipkart Advanz”) on www.flipkart.com, the Flipkart mobile app, and the Flipkart mobile site (collectively referred to as “Platform”), which Platform is owned and operated by Flipkart Internet Private Limited (Flipkart, We, or Our). It is open to all residents of India holding a valid and current HDFC Bank Credit Card & Debit Card (“Cardholder/You/Your” and “Card”).

      • By participating in the Offer (defined below), Cardholders agree to be bound by:

        • these terms and conditions (“T&C”);
        • the Terms of Use, Privacy Policy, and other relevant documentation including any modifications, alterations, or updates thereof, that are published on the Platform; and
        • all applicable terms and conditions of the Bank.

    • Detailed Terms and Conditions

      • All HDFC Bank Credit Cardholders with no outstanding of more than 30 days are eligible for this Offer.
      • The Bank charges annual interest rates according to the reducing monthly balance. In the monthly reducing cycle, the principal is reduced with every EMI, and the interest is calculated on the outstanding balance.
      • If the customer fails in timely payment of EMI, there may be additional interests/penalties which may be levied by the bank which may be higher than the discount offered under this scheme.
      • Flipkart will not charge a processing fee for availing of the EMI option. The Bank may however charge processing fees or cancellation charges as per the bank's policies. Such charges shall be paid by me and will not be refundable even in the event of a return/cancellation of the order.
      • The customer may check with the respective bank/issuer on how a cancellation, refund, or pre-closure could affect the EMI terms, and what interest charges would be levied for the same.
      • This Offer is NOT applicable to transactions made through the Internet Banking/UPI payment option.
      • The Offer is not applicable for Card-on-delivery transactions or orders converted from Cash On Delivery to Prepaid.
      • In case of cancellation of your order, the transaction will not qualify for the Offer. If You cancel part of Your order, You will qualify for the Offer only on the net amount You pay on the basis of eligibility.
      • The Bank/Flipkart/Flipkart Advanz reserves the right to disqualify the Cardholder(s) from the benefits of the Offer if any fraudulent activity is identified as being carried out for availing the benefits under the said Offer or otherwise by use of the Card.
      • Any person availing this Offer shall be deemed to have accepted these terms and conditions.
      • The Bank, Flipkart Advanz, and Flipkart reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary these terms and conditions or to replace, wholly or in part, this offer with another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.
      • Delinquent and Overlimit Card and Cardholders will not qualify for this Offer.
      • 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 the Bank/Flipkart Advanz to conduct further, similar, or other offers.
      • The above Offer is by way of a special offer for Bank Credit 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.
      • You understand that Flipkart may share Your transactional data with the Bank and Flipkart Advanz for the purposes of this Offer and for checking Your eligibility for their products and services and by participating in this Offer, You expressly consent to this sharing of Your data for these purposes.
      • Any query regarding the Offer will be entertained only till 31st October 2025. Post such date, the Bank, Flipkart Advanz, and Flipkart will not entertain any correspondence or communication regarding this Offer from any person.
      • Bank/Flipkart/Flipkart Advanz do not endorse any of the products or brands being offered under the Offer and will not accept any liability pertaining to the quality, merchantability, fitness, delivery, or after-sales service of such products which shall be the sole liability of sellers on the Platform.
      • All the existing offers, gifts, discounts, etc., that are being offered can be availed by the Cardholders as part of this exclusive offer as mentioned in the communication.
      • Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website are representative only and may not bear a resemblance to the actual products. None of the parties shall under any circumstances be responsible for the same.
      • Products offered under this Offer are subject to availability from the respective participating merchants/sellers on the Platform and accordingly, the Bank, Flipkart Advanz, or Flipkart in no circumstances shall be liable for the non-availability of any of the products.
      • Under no circumstance will the Offer/discount being offered under this Offer be settled with cash in lieu by the Bank or by Flipkart or by Flipkart Advanz.
      • Returned transactions, disputed, or unauthorized/fraudulent transactions will not be considered for the Offer.
      • The Bank and Flipkart Advanz will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by seller(s) on products/services made available by it, and the same shall be at the sole risk and consequences of such seller(s) and without reference to the Bank and Flipkart Advanz.
      • Flipkart, Flipkart Advanz, or the seller(s) shall not be liable for any failure by the Bank to honor the transaction and for any technical issues attributable to the Bank because of which the transaction made by the Cardholder was not successful. The Bank shall indemnify and hold Flipkart Advanz, Flipkart, and the seller harmless against any claims by the Cardholder for the unsuccessful completion of the transaction. Further, the Bank shall solely be liable to the Cardholder for the wrongful remittance of the amounts by it, without any reference to Flipkart or Flipkart Advanz or sellers.
      • By participating in this Offer, You agree to be bound by these terms and conditions of the Offer, standard terms and conditions, terms of use, privacy policy (as amended from time to time) of the Platform, any other documents as may be applicable while using the Platform, and the terms and conditions of the respective seller shall be applicable to the Cardholder.
      • The Cardholder shall indemnify and hold Flipkart, Flipkart Advanz, the Bank, and/ or seller(s) harmless against all damages, liabilities, costs, expenses, claims, suits, and proceedings (including reasonable attorneys' fees) that may be suffered by Flipkart, the Bank, and/ or seller as a consequence of (i) violation of these terms and conditions, of the terms of user agreement, privacy policy (subject to change) published on the Platform, by the Cardholder; (ii) violation of applicable laws by the Cardholder; and (iii) any action or inaction resulting in willful misconduct or negligence on the part of the Cardholder.
      • All government Levies like Sales Tax, TDS, any Local Tax, Octroi, etc., shall be payable by the Cardholder as applicable at the time of the respective Offer.
      • This Offer shall be subject to all applicable laws, rules, and regulations which are in existence and which may be promulgated anytime by any statutory authority.
      • Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator to be jointly appointed by the Bank and Flipkart Advanz for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of the Arbitration and Conciliation Act, 1996. The place of arbitration shall be at Mumbai for the Bank and the language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against the Bank.
      • All liability with respect to the products purchased lies with the respective sellers, and neither Flipkart Advanz nor the Bank shall be in any way responsible for the same.
      • This Offer is valid only in India. The minimum age of such Cardholders shall be 18 years.
      • Further, as required by applicable law, in the event that the Cardholder makes a purchase of an amount equal to or above Rs. 2,00,000, the Cardholder will be required to upload a scanned copy of his/her PAN card on the Platform within 4 days of making the purchase, failing which, the purchase made by the Cardholder will be cancelled. The requirement to submit the PAN card arises only once, and if it has been submitted once by the Cardholder, it need not be submitted again. The order of the Cardholder will be cancelled if there is a discrepancy between the name of the Cardholder and the name on the PAN Card.
      • This document is an electronic record in terms of the Information Technology Act, 2000, and the Rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
      • Disclaimer: In the event the Flipkart App is downloaded from Apple’s App Store, note that Apple’s App Store is only an app downloading platform, and in no way, shape, or form, Apple is responsible/involved for any contest/offer being run on the Flipkart App.

    Bank Terms and Conditions

    • The offer is an instant discount and will be provided upfront at the time of purchase.
    • In the event of a customer pre-closing/cancelling an EMI on an originally Credit Card EMI transaction, 'Pre-closure Interest charges' + 3% Pre-closure Fee on the principal Outstanding (as applicable) will apply at the time of pre-closure. 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.

    • Refer to the link given below for detailed terms and conditions of EMI transactions.

    • 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 the 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 the 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 a promo code is mentioned as part of the communication (please refer to the Offer details tab), the customer has to use the code to avail of the offer; in case the code is not used, the Discount/Cashback cannot be credited back to the 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 offer with another offer, whether like this offer or not, or to extend or withdraw it altogether.
    • Eligible benefits for this promotion (such as Reward points/cashback) will only be posted to accounts that are active at the time of postings.
    • Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.
    • Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.
    • 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.
    • This offer is not applicable to virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, Marriott, PhonePay, Snapdeal Cards.
    • This offer is non-cashable, not extendable, and non-negotiable.
    • Purchases eligible for Instant Discount/Cashback on HDFC Bank Credit Card will not qualify for Reward Points. The same will be reversed within 120 days of the end of the cashback posting month or end of the offer month for Instant discount offers.
    • 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 by way of a special offer co-funded by the Bank & Merchant 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.
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