SHINE KIT

Terms and Conditions for No Cost EMI on Credit Card, I understand that under this offer, I will get an upfront discount equal to the EMI interest cost charged by the bank, making it effectively no interest cost.Applicable taxes on Interest and any other charges will be levied by Issuer.Under this offer, payment through Bank Credit Card can be made for multiple products (eligible for offer)selected in a single cart provided,

• The selected tenure for all such selected eligible products are same; and
• the totalsale price of such selected eligible products (net of applicable discounts) in the cart is more than or equivalent to Rs. 3,000 (Three thousand only).
• The discount under this offer will be applicable on opting for 'No Cost EMI' option on payment page I understand that under this offer there can be only one transaction per credit cardThe discretion to allow the payment lies with the bank issuing the credit card.
• TVSM will have no obligation or liability in the event the bank refuses to process the transaction for any reasonThe 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 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.
• Any returns/cancellation will be as per TVSM’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.
• You 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 you for the same.
• TVSM retains the right to modify or cancel this scheme at its sole discretion