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Offer Details 

1. Under this offer, customer will be eligible for extra discounts on EMI  for purchases on the Vkretu platform with the Vkretu Axis Bank Credit Card 
3. The Offer will commence at 1st January 2021 (00:00 Hours) to 31st January 2021 (23:59 Hours).
4. The offer will be applicable for Credit Card EMI transactions for 3 and 6 month tenure.

Frequently Asked Questions 

What is the offer? 
Under this offer all users of Vkretu Axis Bank credit card will be eligible to get an upfront discount equal to the value of interest on select products and categories as applicable.
  
What is the offer duration? 
1st January 2021 (00:00 Hours) to 31st January 2021 (23:59 Hours).

Is there any minimum transaction amount to avail this offer? 
Yes, minimum transaction value should be Rs.3000 to convert a purchase into EMI 

How do I check if a product is eligible ? 
Offer will be listed on product page, for all eligible products. Please check before making purchase. 

Will I get the offer if I pay through Vkretu Gift Card partially? 
Yes, you can avail the offer in this case. In this case, offer will only apply on the amount paid through Vkretu Axis Bank Credit Cards against the eligible product(s) 

How many times can this offer be availed? 
There is no limit on number of transactions on which you can avail this offer 
  
Terms and Conditions 

1. This offer is available to Vkretu Axis Bank Credit Card holders on select products sold by select sellers only. These customers will be able to view the offer on their payment page. No other customers will be able to avail of this offer. 
2. Any person availing this Offer shall be deemed to have accepted these terms and conditions. 
3. Axis Bank and Vkretu 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 by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.
4. 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. 
5. Nothing herein amounts to a commitment by Vkretu to conduct further, similar or other offers. 
6. The above Offer is by way of a special offer for Vkretu Axis Bank Credit Card holders 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.
7. The discount applicable on opting for this offer is being offered exclusively by sellers/brands and does not amount to EMI/interest waiver extended by the bank 
8. I understand and confirm that I will need to pay applicable EMI and interest on total value of the order at the time of payment to the bank in accordance with the terms applicable to the debit card. The interest cost charged by the bank over time is being given back to me upfront at the time of this purchase and netted off in the Invoice amount. 
9. The discretion to allow the payment lies with the bank issuing the credit card. Vkretu will have no obligation or liability in the event the bank refuses to process the transaction for any reason 
10. 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 
11. I understand that if I fail in timely payment of EMI, there may be additional interests/penalty which may be levied by the bank which may be higher than the discount offered under this scheme
12. Any returns/cancellation will be as per Vkretu’s return/cancellation policy. In case of any kind of return/refund in an EMI transaction, interest already billed in a particular transaction will not be refundable under any circumstances 
13. Vkretu will not charge a processing fee for availing EMI option. Bank may however charge processing fee or cancellation charges as per the banks policies. Such charges shall be paid by me and will not be refundable even in the event of return/cancellation of the order 
14. I 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 on me for the same 
15. Vkretu retains the right to modify or cancel this scheme at its sole discretion 
16. I understand that for select products there may be a constraint on number of purchase transactions that can be made per credit card. Also, there may be a constraint on the maximum number of products that can be purchased under this offer in a single transaction. 
17. Any query regarding the program will be entertained till March 1st 2021. Post such date, Axis Bank and Vkretu will not entertain any correspondence or communication regarding this Program from any persons. 
19. Bank does not endorse any of the products or brands being offered under the Program and will not accept any liability pertaining to the quality, merchantability, fitness, delivery or after sales service of such products which shall be at the sole liability to sellers on the Platform. 
18. 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 towards the same.
19. Products offered under this program are subject to availability from the respective participating merchants/sellers on the Platform and accordingly Bank or Vkretu in no circumstances shall be liable for non-availability of any of the products. 
20. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by Bank or by Vkretu.
21. Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for the Offer
22. Axis Bank 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 Bank.
23. 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 (subject to change) of the Platform and the terms and conditions of respective seller shall be applicable on the Cardholder.
24. The Cardholder shall indemnify and hold Vkretu, Axis Bank and/ or seller(s) harmless against all damages, liabilities, costs, expenses, claims, suits and proceedings (including reasonable attorneys fee) that may be suffered by Vkretu, 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 Cardholder; (ii) violation of applicable laws by Cardholder; and (iii) any action or inaction resulting in willful misconduct or negligence on the part of the Cardholder. 
25. All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Offer.
26. 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.
27. All liability with respect to the products purchased lies with the respective sellers and neither Vkretu nor Bank shall be in any way responsible for the same. 
28. This Offer is valid only in India. The minimum age of such Cardholder shall be 18 years.
29. 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.
30. This document is an electronic record in terms of Information Technology Act, 2000, and the Rules there under 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.In the event the user 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).