Terms and conditions for payments on EasyEMI with HDFC Bank Credit Cards 1.

The EasyEMI Scheme is open to select HDFC Bank credit card holders holding a valid HDFC Bank credit card issued in India. EasyEMI option is not available on select Corporate Credit Cards. EasyEMI transactions done on Credit Card products where the EasyEMI option is not available shall be debited to the card account in full. 2. EasyEMI facility is available at select merchant websites and merchant outlets. 3. EasyEMI needs to be availed at the time of doing transaction at merchant outlet or merchant website. It is not a backend conversion process. In case of merchant websites offering HDFC Bank EasyEMI, HDFC Bank EMI option & required tenure needs to be selected on the payment page of merchant website 4. In case of transactions done at physical outlets of merchants (POS transactions), please check with merchant on availability of EasyEMI facility BEFORE swiping your HDFC Bank Credit card. EasyEMI in POS transactions is valid only on swipe done on HDFC Bank swipe machine. Please ensure that the intention to avail HDFC Bank EasyEMI along with the tenure option is communicated to merchant before swiping card. The chargeslip generated post swipe will indicate the EasyEMI tenure. Please highlight to merchant immediately if the tenure is not appearing/wrongly appearing. HDFC Bank is not liable for erroneous swipes done by merchant eg. Swipe done as regular transaction instead of swiping as EasyEMI transaction OR swipe done on other Bank swipe machine. The Bank is also not liable to or responsible for converting such erroneous transactions to EasyEMI transactions at the backend. 5. At select merchants, processing fee may be applicable on EasyEMI transactions. Please check with merchant for Processing fee before opting for EasyEMI facility at merchant. The commercials for an EasyEMI transaction is an agreement between the merchant and bank. The commercials for an EasyEMI transaction is given to the merchant to bear. If the merchant agrees to bear only part of the EasyEMI commercial & advises the bank to charge the rest to customer, then as a facilitator we do it on the merchant's behalf. HDFC Bank is not liable for any non communication / wrong communication of processing fee by merchant and is not liable to reverse the processing fee charged to card as per agreed commercials between merchant & HDFC Bank 6. Processing fee (if any) will be charged in full in the statement subsequent to the transaction date. Service tax, Education Cess & other taxes as mandated by Govt regulations from time to time will be applicable on Processing Fee charged 7. The credit limit on the HDFC Bank credit card shall be blocked to the extent of the full transaction amount. The credit limit will be released as and when the EMI is billed and paid for in subsequent months as per EMI plan. 8. The EMI debit per statement will be part of Minimum Amount Due and is payable by the Payment Due Date 9. In case of Online EasyEMI transactions done at merchant websites, partial or full refunds done by merchants against the original EasyEMI transaction, will lead to EMI pre-closure. In such cases the entire balance outstanding will be charged to the card account in the next statement. HDFC Bank is not liable to and cannot re-convert such balance outstanding debited in full to card account to EMIs again 10. All prevailing terms and conditions of merchants would apply in addition to these terms and conditions 11. Approval of EasyEMI is at the sole discretion of HDFC Bank. The EasyEMI scheme is available for select tenures and the purchase amount along with processing fee charges needs to be re-paid within the respective tenure opted for by the HDFC Bank Credit Card customer.

12. The EMI scheme can be pre-closed without any charge ONLY by calling the 24 hour HDFC Bank Credit Cards customer service. Any payment made into the credit card account over and above the EasyEMI shall not be deemed to be payment towards the amount availed under EMI scheme and shall not result in the closure of the said facility. HDFC Bank reserves the right to revise the pre-payment charges at its discretion, with prior notice and such revised charges shall be binding on the Card Holder. 13. Reward points will be earned as per features applicable to the HDFC Bank credit card used for the EasyEMI purchase and shall be credited in proportion to the EMIs billed each month. Rewards programme for EasyEMI transactions will be governed by actual incidence of EMI debits and not by date of transaction. In the event there is any dispute with respect to the reward point earned and/or to be earned by a HDFC Bank Credit card holder using the EasyEMI Scheme, merchant shall not be held liable for the same in any manner whatsoever. 14. In the event of non-payment of minimum amount due for three successive months the EMI shall be closed and the principal outstanding, the interest for the day till closure and the pre -closure charges shall be debited to the credit card account of the Cardholder and appear in the subsequent monthly statement. HDFC Bank shall be entitled to demand immediate repayment of such consolidated outstanding amounts. 15. In the event of a credit card being closed prior to all installments being charged, the amount outstanding against EasyEMI scheme may be charged as a consolidated transaction of the card member. HDFC Bank shall be entitled to demand immediate repayment of such consolidated outstanding amount. 16. Any query/dispute with regards to the payment using the EasyEMI option should be directed towards HDFC Bank, and merchants shall not be liable for the same in any manner. General Terms and Conditions 1. This EasyEMI facility is purely optional at merchants and can be withdrawn without any prior notice. 2. HDFC Bank does not hold any warranty or make any representation with respect to the availability, delivery, quality, merchantability or suitability of the services to be rendered by merchants under the EasyEMI Scheme and HDFC Bank shall not be held liable for the same in any manner whatsoever. 3. Any tax applicable from time to time as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change as per relevant regulations of the Government of India. 4. HDFC Bank and merchants reserve the right to add, alter, modify, change or vary all or any of these terms and conditions or replace, wholly or in part, this EasyEMI Scheme by any other scheme, whether similar to this EMI Scheme or not or to withdraw it altogether, without prior notice. 5. Disputes, if any, will be subject to Indian laws and shall be subject exclusively to the jurisdiction of the courts in Chennai.