What do you get?

• The customer will get an option of Interest Free on 3/6-months tenure + Instant Discount (as per the details mentioned in the above table) on EMI transactions using IDFC FIRST Bank Credit Card.

How do you get it?

• To avail the Offer, customer must enter E-Coupon as mentioned in the table above, in the E-Coupon field.
• Customer needs to pay using EMI option available on IDFC FIRST Bank Credit Cards on MakeMyTrip.
• The Offer cannot be clubbed with any other deal code running on MakeMyTrip.
• The Offer is valid from 1st August to 31st August' 25 (both days included) between 0000 hours to 23:59 hours.
• The Offer is valid for bookings made on MakeMyTrip’ s Website, mobile site and mobile app (Android & iOS) only.
• The Offer is valid for 1 booking per card per category per user throughout the Offer period.

What Else do You Need to Know?

• The Offer is valid only on IDFC FIRST Bank Credit Card EMI bookings only.
• Offer is NOT applicable on part payment transactions.
• Offer is NOT applicable on transaction made partially or completely using Gift Cards.
• In case there is more than one Offer available simultaneously from a Bank, no two offers can be combined by the customer.
• For Flights, Instant discount will be calculated on the booking amount (excluding convenience fee and any ancillaries purchased eg: meals, insurance).
• This Offer is not valid on multi city flights. These flights are booked through multi-city tab on website.
• This offer is valid on international flight bookings originating from India.
• For Hotels, Villas & Apartments, Instant discount will be calculated on the property’s basic price (pre-tax price).
• The Offer is valid on select hotels.
• Offer not valid on “Pay at Hotel” bookings.
• Offer is not applicable on payments made through IDFC FIRST Debit Cards, IDFC FIRST Bank Internet Banking, My Wallet (MakeMyTrip Wallet - bonus amount), debit card, 3rd party wallets and Gift Cards.

What is Interest Free EMI?

• In Interest Free EMI, monthly instalment = Total product price / EMI tenure in months
• EMI Processing fee levied by bank is not covered under Interest free EMI Cashback Offer. Processing fees of ₹249 plus Taxes is charged separately by the Bank upon successful conversion of transaction to EMI; as a one-time charge.
• The cashback amount shall be equal to the total interest amount payable on the EMI. Any GST levied on interest amount is not covered under the interest free EMI cashback Offer
• For e.g:
  • You pay INR 30,000 for your ticket using Interest Free for 3 months, your card will be blocked for INR 30,000 at MakeMyTrip
  • Your bank will convert this to EMI within 4-7 days.
  • Cashback equal to the 3 months interest amount (INR 804) will be credited within 21 days to card. This reduces a loan of INR 30,804 (principal + interest) to a loan of INR 30,000
  • You will be charged GST of INR 144.72 applicable on interest amount of INR 804 by the bank. The total cost to the cardholder would be INR 30,144.72 (Ticket price+ GST).
• The discount under Interest Free on credit card payment option is being offered exclusively by MMT and does not amount to EMI/interest waiver extended by the bank.
• Cardholder will need to pay applicable EMI and interest on total value of the order at the time of payment to the IDFC FIRST Bank Credit Card in accordance with the terms applicable to the credit card.
• Cardholder will have to pay applicable Bank convenience fee for EMI transactions.

Conditions in case of cancellation:

• In case of partial/full cancellation the Offer stands void and customer will not be eligible for discount. The customer will need to contact the Bank for cancelling the EMI. Applicable foreclosure, Interest and other charges will be applied by the Bank for EMI Cancellations. Please contact your Bank to know more about the charges.
• If the Customer cancels the travel service purchase, MakeMyTrip will deduct cancellation charges from the refund amount.
• If there is any rescheduling or cancellation, customer has to bear the fare difference (regardless of whether the component is in the base fare or in tax + surcharge) and other rescheduling/cancellation fees.

Other Terms and Conditions:

• This Offer is NOT applicable on IDFC FIRST Bank corporate credit cards and FIRST Digital Credit Cards.
• This Offer cannot be clubbed with any other Offer of MakeMyTrip.
• MakeMyTrip reserves the right, at any time, without prior notice and liability and without assigning any reason whatsoever, to add/alter/modify/change or vary all 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 it altogether.
• For any card related claims, the customer shall approach the Bank and MakeMyTrip shall not entertain any such claims.
• MakeMyTrip is the sole authority for interpretation of these terms.
• MakeMyTrip shall not be liable for any loss or damage arising due to force majeure event.
• In the event of any misuse or abuse of the Offer by the customer or travel agent, MakeMyTrip reserves the right to deny the Offer or cancel the booking.
• In no event the entire liability of MakeMyTrip under this Offer shall exceed the amount of promotional discount under this Offer.
• MakeMyTrip shall not be liable to for any indirect, punitive, special, incidental or consequential damages arising out of or in connection with the Offer.
• Disputes, if any, arising out of or in connection with this Offer shall be subject to the exclusive jurisdiction of the competent courts in Delhi.
• User Agreement and Privacy Policy at MakeMyTrip website shall apply.
• Customer’s, who are Travel Agents by occupation, are barred from making bookings for their customer’s and MakeMyTrip reserves the right to deny the Offer against such bookings or to cancel such bookings. For such cases, MakeMyTrip shall not refund the booking amount.
• IDFC FIRST Bank shall not be held liable for any delay, non- availability, or loss that may be caused in delivery of services by MakeMyTrip.

Standard Bank Terms and Conditions:

• IDFC FIRST Bank Credit Card Cardholder will mean any person who is holding an active IDFC FIRST Bank Credit & Debit 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.
• IDFC FIRST Bank Credit 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 IDFC FIRST Bank Credit Cardholder, IDFC FIRST Bank’s sole decision shall be final and binding on IDFC FIRST Bank Credit 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 IDFC FIRST Bank Credit Cardholder and/ or billed to the account of the IDFC FIRST Bank Credit Cardholder.
• All IDFC FIRST Bank’s 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 IDFC FIRST Bank Credit 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 IDFC FIRST Bank Credit Cardholder directly to the Merchant establishment. IDFC FIRST 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 IDFC FIRST Bank Credit Cardholder under the Offer.
• Any dispute relating to the Offer will be settled under the sole and exclusive jurisdiction of Mumbai courts only. IDFC FIRST 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 IDFC FIRST Bank Cardholder 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 IDFC FIRST Bank Cardholder.
• 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 IDFC FIRST Bank 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 IDFC FIRST Bank Cardholder Card. In case of any fraudulent activity, for the purpose of availing the benefits under the Offer, necessary action will be taken by the IDFC FIRST Bank. Please note IDFC FIRST Bank 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.

Customer Acceptance terms while making payment:

• I confirm that I have chosen EMI as the payment option to complete this transaction.
• I understand that a processing fee of Rs. 249 plus taxes will be charged on this EMI transaction and EMI conversion will be processed in 3 working days.
• Bank has the sole right to decline or accept any EMI conversion request subject to the eligibility of the customer.
• I understand that the EMI amount will be a part of the Minimum Amount Due payable during the EMI tenure.
• 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 EMI conversion has been done against a transaction then the EMI can only be foreclosed and EMI facility cannot be cancelled.
• 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.
  • Pro-Rated interest is the interest amount applicable for period between EMI conversion date and date of foreclosure in case no EMI is billed.
  • 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.
• 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.
• I have fully understood and have accepted the terms and conditions of converting credit card transactions in EMIs (as given in the cardmember agreement on the website https://www.idfcfirstbank.com/content/dam/IDFCFirstBank/PDF/Card-Member-Agreement.pdf).
• GST will be applicable on interest; Processing fee and Foreclosure charges will be billed separately along with respective charges and taxes.
• 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.
• 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. Bank does not have any role to play in No-Cost or Low-Cost EMI transactions and bank will continue to levy interest on the EMI transaction.
• I understand that Processing/Foreclosure fees/GST applicable on any fees levied by the bank are not part of the No-cost or Low-cost offering provided by the merchant/manufacturer.
• 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.