Zero Processing Fee Campaign for Credit Card EMI

Offer Terms & Conditions

1. Offer Details

2. Offer Terms & Conditions

1. The Offer is valid only during the applicable Offer Period as communicated by Federal Bank.
2. The Offer is applicable only to select Federal Bank Credit Card customers who have been informed of the campaign through SMS, Email, Mobile App Push Notification and/or WhatsApp from Federal Bank.
3. Under this Offer, eligible customers who successfully convert qualifying transactions into EMI during the Offer Period will be eligible for reversal of the applicable processing fee, subject to these Terms & Conditions.
4. The applicable processing fee will be charged at the time of EMI conversion as per the prevailing Credit Card EMI terms and will subsequently be reversed by way of cashback to eligible customers.
5. Eligible customers will receive the processing fee cashback within 90 days from the end of the Offer Period .
6. GST and other applicable taxes/levies on the processing fee will be charged as per prevailing regulatory requirements and Federal Bank's applicable terms. Under the Zero Processing Fee Campaign, cashback will be limited to the processing fee amount and will not cover GST or any other applicable.
   The Offer shall not be applicable to EMI conversions pertaining to the following transaction categories:
   1. Fuel
   2. Rental
   3. Wallet Load
   4. Cash Withdrawal
7. The Offer will be applicable once per eligible Credit Card during the Offer Period / on all eligible EMI conversions during the Offer Period
8. The Offer shall not be applicable on the following Federal Bank Credit Card: variants Epifi, Jupiter, OneCard, Scapia, Paisaback and Wave credit card
9. The Offer is fully funded by Federal Bank.
10. Participation in the Offer is entirely voluntary.
11. The Offer is non-negotiable and non-transferable and cannot be exchanged for any benefit other than the processing fee cashback specifically provided under this Offer.
12. Incomplete, rejected, invalid, returned, disputed, unauthorized or fraudulent transactions and unsuccessful EMI conversions will not be eligible for the Offer.
13. In case of cancellation, reversal, refund or dispute relating to an eligible transaction, or reversal/cancellation of the corresponding EMI conversion, the Offer benefit may not be processed. If the cashback has already been provided, Federal Bank reserves the right to reverse/recover the benefit, subject to applicable terms and regulations.
14. In the event of any fraudulent activity, misuse or abuse of the Offer, Federal Bank reserves the right to deny or reverse the Offer benefit.
15. The Federal Bank Credit Card account should be active and in good standing at the time of processing the cashback. Cards/accounts that are closed, blocked or otherwise ineligible at the time of cashback processing may not qualify for the Offer benefit.
16. If the Cardholder ceases to be an eligible Cardholder during the Offer Period or prior to processing of the cashback, the benefits under the Offer may lapse, subject to applicable laws and the Bank's prevailing terms.
17. The Cardholder shall be responsible for all applicable taxes, duties, levies or statutory dues, if any, arising in connection with the Offer, except to the extent specifically stated otherwise by Federal Bank.
18. The Cardholder availing the Offer shall be deemed to have read, understood and accepted these Terms & Conditions and shall be bound by the same.
19. Federal Bank's decision regarding the eligibility of a transaction/Cardholder and applicability of the Offer shall be final and binding, subject to applicable laws and regulatory requirements.
20. Federal Bank reserves the right, subject to applicable laws and regulatory requirements, to add, alter, modify or change these Terms & Conditions or to extend, withdraw or replace the Offer, wholly or partly, without prior notice where permitted.
21. Federal Bank shall not be responsible for any failure or delay in availing the Offer arising due to technical or network failures, system downtime, communication failures, server issues or circumstances beyond the reasonable control of the Bank.
22. Federal Bank shall not be liable for any loss or damage arising due to force majeure events or circumstances beyond its reasonable control.
23. The Offer cannot be combined with any other offer providing the same processing fee benefit , unless specifically communicated otherwise by Federal Bank.
24. Nothing contained herein shall constitute or be deemed to constitute advice, invitation or solicitation to purchase any product or service.
25. The Offer shall be subject to applicable laws, regulatory guidelines and Federal Bank's extant policies/guidelines from time to time.

3. Credit Card EMI Terms & Conditions

1. This Offer is valid only on eligible Federal Bank Credit Cards .
2. The Offer is applicable only to eligible EMI conversions made during the applicable Offer Period.
3. All applicable charges, interest, taxes, duties and statutory levies relating to the EMI facility shall continue to apply unless specifically waived/reversed under this Offer.
4. Convenience fees or other applicable charges, if any, will be levied as per prevailing Federal Bank terms and are not covered under the Offer unless expressly communicated otherwise.
5. Federal Bank's prevailing Credit Card EMI Terms & Conditions shall apply to all EMI conversions in addition to these Offer Terms & Conditions.
6. The applicable Credit Card EMI Terms & Conditions are available at Federal Bank Credit Card EMI.
7. In the event of any inconsistency between these campaign-specific Offer Terms & Conditions and the general terms applicable to the Offer, the campaign-specific Offer Terms & Conditions shall prevail to the extent of such inconsistency , subject to applicable laws and regulations.

4. Customer Support

For any queries or issues relating to this Offer, customers may contact Federal Bank through:

• Credit Card Support: creditcards@federalbank.co.in
• Contact Centre: Federal Bank Contact Centre
• Toll-Free: 1800-425-1199 / 1800-420-1199

5. Standard Terms & Conditions

1. The Campaign Period, also referred to as the "Offer Period" or "Validity" , shall be the period specified in the communication received by the eligible customer.
2. No substitution or exchange of the Offer other than the benefit specifically communicated to the Cardholder shall be permitted.
3. The Cardholder is not bound to participate in the Offer, and participation is entirely voluntary.
4. Incomplete, rejected, invalid, returned, disputed, unauthorized or fraudulent transactions shall not qualify for the Offer.
5. Federal Bank shall not be responsible if the Offer cannot be availed due to malfunction, delay or failure of telecommunications networks, computer systems, servers, software, websites or other technical infrastructure beyond the Bank's reasonable control.
6. Federal Bank reserves the right to disqualify any Cardholder from receiving the benefits of the Offer if fraudulent activity, misuse or abuse is identified in connection with availing the Offer.
7. Images used in promotional communications relating to the Offer, if any, are for representational purposes only.
8. Logos and trademarks used in connection with the Offer belong to their respective owners and may be used by Federal Bank for promotional purposes where duly authorized.
9. These Terms & Conditions shall be in addition to, and not in substitution or derogation of, the primary Terms & Conditions governing Federal Bank Credit Cards and Credit Card EMI facilities.
10. Any person availing the Offer shall be deemed to have read, understood and accepted these Terms & Conditions along with the applicable Credit Card and EMI Terms & Conditions.
11. Any dispute relating to the Offer or these Terms & Conditions shall be subject to the jurisdiction of the competent courts at Kochi , subject to applicable laws.

Standard Terms & Conditions:

Definitions:

The following words and phrases shall have the meanings set out herein below in this document unless repugnant to the context:

• “Cardholder” – A person who is holding a valid Federal Bank Debit Card and/or Federal Bank Credit Card, as may be specified in the Offer T&Cs.
• “Campaign Period/ Offer Period/ Validity" - The period during which the offer is valid.
• “Offer T&Cs” – Terms & Conditions applicable for respective individual offer.
• “Transactions” – any transaction carried out using Federal Bank Debit Card or Federal Bank Credit Card which is not a charge/fee/interest levied.
• “Merchant” – any establishment where the Federal Bank Debit Card or Federal Bank Credit Card mentioned in the offer has been / can be used for making a purchase.
• “Communication"- refers to any SMS/Email/Mobile App Push Notification sent by Federal Bank to the customer’s registered mobile number/email ID mentioning the offer.

Other Terms and Conditions:

• Bank Account linked to the Card is required to be active and non-delinquent.
• Incomplete / rejected / invalid / returned /disputed or unauthorized/fraudulent transactions will not be considered for the offer.
• Federal Bank will not be responsible or liable in case the offer is not configured or could not be availed due to malfunction, delay, traffic congestion on any telephone network or line, computer on-line system, servers or providers, computer equipment, software, or website.
• The Campaign Period referred to as “Offer Period” or “Validity”, interchangeably, will be the one mentioned in the communication received by customer.
• The Merchant and the Federal Bank reserve the right to add/alter/change/ or vary at any time, without notice, any or all these terms and conditions or to replace, entirely or in part, this offers by another offer, whether similar to this offer or not, or to withdraw it altogether. Federal Bank also reserves the right to discontinue the offer without assigning any reason and / or without any prior intimation whatsoever.
• The participation in the offer is entirely voluntary and it is understood that the participation by the Cardholders shall be deemed to have been made on a voluntary basis.
• In case of all matters relating to the offer, including any dispute or discrepancy relating to the offer or eligibility of any Cardholder, Federal Bank’s decision shall be final and binding on Cardholders in all respects and any correspondence in this regard will not be entertained.
• Federal Bank does not endorse any of the products or brands being offered under the offer. It only offers discount on the purchase of goods and services from the Merchant using Federal Bank Debit or Credit Card and makes no representation about the quality, delivery, usefulness, worthiness, after sales service or otherwise of the goods/services offered by the Merchant using the card. Federal Bank is not liable for any defect or deficiency of goods or services so obtained/availed of by the Cardholders under this offer.
• Federal Bank will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by merchant/seller(s) on product/services made available by it and the same shall be at the sole risk and consequences of such merchant/seller(s) and without reference to Federal bank.
• Images used in all the promotions or communications pertaining to the Offer are for representation purpose only and Federal Bank shall not be liable/responsible in any manner whatsoever for the same.
• Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any product/ service of the Merchant or any third party and is not intended to create any rights and obligations.
• Federal Bank may use the services of agents for sales / marketing of the products which are exclusive copy rights of The Federal Bank Limited. All rights reserved.
• Federal 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 purchased / services availed of by the Card Holder/s under the offer.
• Any dispute or claim regarding the goods and services must be resolved by the Cardholder/s with the merchant directly without any reference to Federal Bank.
• The Merchant & the Federal Bank reserve the right to disqualify any 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 Card.
• The Offer is not available wherever prohibited and/or on products/services for which such offers cannot be made available for any reason whatsoever.
• All liabilities with respect to the products purchased lies with the Merchant and Federal Bank shall not liable/responsible in any manner whatsoever for the same.
• Logos/trademarks used are owned by respective entities. Federal Bank is authorised to use these logos/trademarks for offer/promotion purposes.
• The Cardholder shall indemnify and hold the Merchant and the Federal Bank harmless against all damages, liabilities, costs, expenses, claims, suits and proceedings (including reasonable attorneys fee) that may be suffered by the Merchant and the Federal Bank 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 wilful misconduct or negligence on the part of the Cardholder.
• Any person availing the offers shall be deemed to have read, understood, and accepted these terms and conditions as well as the respective Offer T&Cs.
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by Federal Bank for this purpose.
• Any dispute relating to the offer, or the terms and conditions shall be subject to the jurisdiction of the courts in
• Merchant Terms & Conditions, if any, will be additionally applicable to the offers and will be notified separately.
• If the Cardholder/s ceases to be Cardholder/s at any time during the subsistence of the Offer, all the benefits under the Offer shall lapse and shall not be available to the Cardholder/s.
• All communication / notices with regard to this Program should be addressed to "The Federal Bank 12^th Floor, VIOS Tower, New Cuff Parade, Antop Hill, Mumbai – 400051.”
• Alternatively, customer can also contact at Federal Bank’s Phone banking unit / Relationship manager/Customer service manager.
• No substitutions or exchange of Offer, other than what is detailed in the communication sent to the Card Holder/s shall be allowed.
• All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits accruing under the Offer shall be borne solely by the Cardholder/s and Federal Bank will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues.
• Any disputes with regard to the quality of goods/services availed shall be taken up with the merchant/service establishment directly. Federal Bank shall have no liability whatsoever with regard to the same.
• Products offered under this Offer are subject to availability from the respective participating merchants/sellers on the Platform and accordingly, the Federal Bank in no circumstances shall be liable for 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 Federal Bank or by the Merchant.
• These Standard Terms and Conditions shall be in addition to and not in substitution / derogation to the Primary Terms and Conditions governing the Debit Card or Credit Card, as the case may be, issued by Federal Bank. In the event of any contradiction or disparity between the Offer T&Cs and the Standard Terms and Conditions, Offer T&Cs shall prevail.
• 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.
• This document is an electronic record in terms of 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.