American Express® EMI—Offer Terms & Conditions

This offer is open to select American Express Credit Cardmembers whose accounts are valid and in good

standing. An American Express Credit Cardmember for the purpose of this offer means a person holding

the below mentioned American Express Credit Card issued in India by American Express Banking Corp.

The offer is applicable to the Cardmembers holding below Cards:

o The American Express SmartEarn Credit Card

o The American Express Gold Credit Card

o The American Express PAYBACK Credit Card

o The American Express Platinum Reserve Credit Card

o The American Express Platinum Travel Credit Card

o The American Express Membership Rewards Credit Card

• The offer is not available for American Express Charge Cards, Corporate and Network Cards.

• The offer would be valid on above mentioned Cards issued in India only.

• This offer is being made purely on a “best effort” basis. Cardmembers are not bound in any manner to

participate in this offer and any such participation is purely voluntary.

• American Express is neither responsible for availability of services nor guarantees the quality of the

goods/services and is not liable for any defect or deficiency of goods or services so obtained/availed of by

the Cardmembers under this offer. Any disputes with regard to the quality of goods/services availed shall

be taken up with the merchant/service establishment directly. American Express shall have no liability

whatsoever with regard to the same.

• American Express shall not be liable whatsoever for any loss/damage/claims that may arise out of use or

non- use of any goods or services availed by Cardmember under this offer. American Express reserves its

absolute right to withdraw and/or alter any of the terms and conditions of the offer at any time without

prior notice.

• Nothing expressed or implied in the program shall in any way waive or amend any of the terms and

conditions of the existing Cardmember agreement with the Card issuer.

• To receive this offer, purchase should be charged in EMI to the American Express Credit Card. No cash

alternative is available.

• Any disputes arising out of and in connection with this program shall be subject to the exclusive

jurisdiction of the courts of Delhi only.

• This offer is subject to partner terms and conditions.

• The offer is applicable only in India where American Express EMI is enabled.

• EMI conversion done post taking the transaction will not be eligible for this offer.

• This EMI offer is also applicable on the Supplementary Card(s) issued on American Express Credit Cards.

• For detailed offer on American Express EMI, please visit: www.amex.co/emi

• To view the EMI Terms & Conditions click here.

• Cardmembers can, at any point in time, avail up to six transactions for conversion into EMI, subject to

availability of credit limit.

• In case of foreclosure of an EMI transaction, a one-time fee of 3% + taxes on the outstanding balance will

be applied.

• In case of any query, Cardmember can contact American Express. Queries related to the offer will be

entertained only till 120 days from offer end date.

• American Express 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 EMI Scheme by any other scheme, whether similar

to this EMI Scheme or not or to withdraw it altogether, without prior notice.

• American Express reserves its absolute right and discretion to approve or decline any request for EMI. It is

further clarified that transactions under certain merchant categories especially Gold and Jewellery related

transactions or any other transactions prohibited under law cannot be converted into EMI.

• You will no longer earn Membership Reward° Points on EMI conversions at POS (Point of Sale). The Point-

of- Sale transactions include both Offline transaction (Point of Sale transaction at a merchant's store

(physical use of card at store). For example: EMI conversion at Croma, Reliance digital etc.) and Online

transaction (Point of Sale transaction from a Merchant's website (use of card online). For example: EMI

conversion options on Flipkart.com etc.). The Card Members will continue to earn Membership Rewards°

points on all EMI transactions through American Express° SafeKey and on all EMI conversions done post

purchase.

• Cardmember needs to pay a processing fee of Rs. 199 + taxes as applicable on all EMI transaction(s)

converted at Point of Sale online or in-store.

• These offers can & will be replaced timely. It can be changed or removed without any prior notice from

the partner. In such an event the partner or American Express will not be responsible for the same.

Lenovo Oer details as below:

• Up to 10% instant discount/cashback up to ₹10,000 on EMI transacons done on PineLabs terminals.

• Instant discount/cashback is applicable basis the minimum transacon amount (as menoned in the below table)

required to avail the oer.

Instant

discount/Cashback

Minimum transacon (₹)

Maximum

discount/cashback (₹)

10%

₹60,000

Up to ₹10,000

10%

₹40,000

Up to ₹5,000

₹30,000

Up to ₹5,000

10%

₹12,000

Up to ₹2,500

• Please refer to the product list to know the eligible products on which the oer is applicable along with the EMI

tenure and No Cost EMI. Click here to access the product list.

• Cashback or Instant discount is basis the agreement between the payment terminal and the merchant outlet. The

Cardmember must check at the store if the outlet is providing instant discount or Cashback.

• Oer is applicable on parcipang brand outlets & mul brand outlets where PineLabs terminal is installed, and

eligible product(s) are available. To know the parcipang outlets, click here.

• Cashback/Instant discount will be eligible only if the transacon is done using EMI as a payment opon on

PineLabs terminal with eligible American Express® Credit Cards.

• Oer can be used availed only once per Card during the oer period.

• Oer is valid from 1 March 2024 to 30 June 2024 (both days included).

• EMI tenure valid for the oer are 3,6,9 and 12 months only.

• Oer is also applicable on No Cost EMI on 3 and 6 months EMI tenure for select products. Cardmember can check

the eligible product(s) for No Cost EMI at the outlet.

• For No Cost EMI oer, American Express will charge full interest along with GST/taxes as applicable from the

Cardmember. However, Merchant/Seller will give either an instant discount equivalent to the interest chargeable

at the me of purchase or within 90 days of transacon the amount will be credited to Cardmember account in

form of Cashback. Hence, eecvely for Cardmember it would be a No Cost EMI.

• Cashback will be credited within 90 days from the date of transacon and instant discount will be provided

immediately at the me of payment.

• EMI needs to be acve ll the fullment date for Cardmembers to be eligible for oer benets, Foreclosed EMIs

will not be eligible for the oer benets.

• Oer is applicable only when the oer is printed on the charge slip of the transacon.

• There is no black out date under this oer.

• Oer is applicable on Brand EMI transacons only.

• Oer cannot be clubbed with any other ongoing oer.

Haier Oer details as below:

• Up to 22.5% instant discount/cashback on EMI transacons completed on PineLabs terminal.

• Maximum instant discount/cashback amount is ₹20,500 per Card per transacon.

• Minimum transacon amount to be eligible for oer is ₹12,000.

• Oer is valid from 1 March 2024 to 30 June 2024 (both days included).

• Cashback or Instant discount is basis the agreement between the payment terminal and the merchant outlet. The

Cardmember must check at the store if the outlet is providing instant discount or Cashback

• Oer is applicable at parcipang Haier outlets and mul brand outlets where PineLabs terminal is installed, and

eligible product(s) are available. To know the parcipang outlets, click here.

• Oer is applicable on select products. Click here for product list.

• Instant discount/Cashback will be eligible only if the transacon is done using EMI as a payment opon through

PineLabs terminal with eligible American Express Credit Cards.

• Oer can be availed once per Card per calendar month.

• EMI tenure valid for the oer are 3,6,9,12, and 18 months only.

• Cashback will be credited within 90 days from the date of transacon and instant discount will be provided

immediately at the me of payment.

• EMI needs to be acve ll the fullment date for Cardmembers to be eligible for oer benets, Foreclosed EMIs

will not be eligible for the oer benets.

• Oer cannot be clubbed with any other ongoing oer.

• Oer is not applicable on 24 Month tenure and no cashback/instant discount will be given while purchasing the

product on 24-month EMI.

• Oer is also applicable on No Cost EMI on 3 months tenure on select products. Cardmember can check the eligible

product(s) for No Cost EMI at the outlet.

• Oer is applicable on Brand EMI transacons only.

• There is no black out date under this oer.

• For No Cost EMI oer, American Express will charge full interest along with GST/taxes as applicable from the

Cardmember. However, Merchant/Seller will give either an instant discount equivalent to the interest chargeable

at the me of purchase or within 90 days of transacon the amount will be credited to

Cardmember account in form of Cashback. Hence, eecvely for Cardmember it would be a No Cost EMI.

Oer details are contained in the table below:

Categories

EMI

tenures

Haier Exclusive

Outlets

Mul Brand outlets

REFRIGERATOR

LED TV

Washing

machine

Microwav

Vacuum

cleaner

Cashbac

k/Discou

nt %

Maximum

discount/

cashback

(₹)

Cashback/

Discount

Maximum

discount/c

ashback (₹)

DC - 195L

32 Inches

SAWM -

8Kg -

10Kg

3,6

5.00%

1,500

7.50%

2,000

Big DC, TM/BM

Selecte

Inverter

40-43

FATL

23L &

above

Conveco

Robo

Vacuum

Cleaner

3,6

7.50%

3,000

10.00%

3,500

5 Star

Inverter

3,6,9

10.00%

4,000

12.50%

4,500

BBM/BTM (Less

than 350L)

50-55

FATL(8-

10Kg),

FAFL (6-

7.5Kg)

3,6,9

10.00%

6,000

12.50%

6,500

BBM/BTM (More

than 350L), SBS

(550/622/682)

58 - 70

UHD

FAFL (8-

8.5Kg)

3,6,9,12

10.00%

8,000

12.50%

8,500

SBS (683)

75 UHD,

55 Inches

QLED

FAFL

(9Kg)

3,6,9,12

12.50%

10,000

15.00%

10,500

IOT Model - 628L

65 QLED

FAFL

(10Kg)

3,6,9,12

15.00%

12,000

17.50%

12,500

738BG

Tower

55 Inches

OLED

3,6,9,12,1

17.50%

15,000

20.00%

15,500

IOT Model - 651L

65 Inches

OLED

12Kg

3,6,9,12,1

20.00%

20,000

22.50%

20,500

IFB Oer details as below:

• Up to 20% instant discount/cashback up to Rs. 9,000 on EMI transacons done on PineLabs terminals.

• Please refer to the product list here to know the cashback/instant discount applicable on eligible product.

• Cashback or Instant discount is basis the agreement between the payment terminal and the merchant outlet. The

Cardmember has to check at the store if the outlet is providing instant discount or Cashback.

• Oer is applicable on parcipang brand outlets & mul brand outlets. To know the parcipang outlets, click here.

• Cashback/instant discount will be eligible only if the transacon is done using EMI as a payment opon on PineLabs

terminals through American Express® Credit Cards.

• Oer is applicable on Credit Card once per Card per calendar month.

• Oer is valid from 1 March 2024 to 30 June 2024 (both days included).

• EMI tenure valid for the oer are 3, 6, 9, 12, 18 and 24 months.

• Oer is also applicable on No Cost EMI on select products. Cardmember can check the eligible product(s) for No Cost EMI

at the outlet.

• For No Cost EMI oer, American Express will charge full interest along with GST/taxes as applicable from the Cardmember.

However, Merchant/Seller will give either an instant discount equivalent to the interest chargeable at the me of purchase

or within 90 days of transacon the amount will be credited to Cardmember account in form of cashback. Hence,

eecvely for Cardmember it would be a No Cost EMI.

• Cashback will be credited within 90 days from the date of transacon and instant discount will be provided immediately at

the me of payment.

• EMI needs to be acve ll the fullment date for Cardmembers to be eligible for oer benets, Foreclosed EMIs will not be

eligible for the oer benets.

• Oer is applicable only when the oer is printed on the charge slip of the transacon.

• There is no black out date under this oer.

• Oer is applicable on Brand EMI transacons only.

• Oer cannot be clubbed with any other ongoing oer.

Panasonic Oer details as below:

• Up to 20% instant discount/cashback on EMI transacons completed on PineLabs terminal.

• Maximum instant discount/cashback amount is ₹9,000 per Card per transacon.

• Minimum transacon amount to be eligible for oer is ₹8,000.

• Oer is valid from 1 March 2024 to 30 June 2024 (both days included).

• EMI tenure valid for the oer are 3, 6, 9 and 12 months.

• Cashback or Instant discount is basis the agreement between the payment terminal and the merchant outlet. The

Cardmember must check at the store if the outlet is providing instant discount or Cashback.

• Oer is applicable at outlets where PineLabs terminal is installed, and eligible product(s) are available. To know the

parcipang outlets, click here.

• Oer is applicable on select products. Click here for product list.

• Instant discount/Cashback will be eligible only if the transacon is done using EMI as a payment opon through PineLabs

terminal with eligible American Express Credit Cards.

• Oer can be availed once per Card per calendar month.

• Cashback will be credited within 90 days from the date of transacon and instant discount will be provided immediately at

the me of payment.

• EMI needs to be acve ll the fullment date for Cardmembers to be eligible for oer benets, Foreclosed EMIs will not be

eligible for the oer benets.

• Oer cannot be clubbed with any other ongoing oer.

• Oer is also applicable on No Cost EMI on select EMI tenures on select products. Cardmember can check the eligible

product(s) and eligible EMI tenure for No Cost EMI at the outlet.

• There is no black out date under this oer.

• Oer is applicable on Brand EMI transacons only.

• For No Cost EMI oer, American Express will charge full interest along with GST/taxes as applicable from the Cardmember.

However, Merchant/Seller will give either an instant discount equivalent to the interest chargeable at the me of purchase

or within 90 days of transacon the amount will be credited to Cardmember account in form of cashback. Hence,

eecvely for Cardmember it would be a No Cost EMI.

LG Offer details as below:

• Up to 26% instant discount/cashback on EMI transactions done on Pine Labs terminals.

• Maximum instant discount/cashback amount is Rs. 26,000 per Card.

• Offer valid from 14 March 2024 to 30 June 2024 (both days included).

• Cashback or instant discount is basis the agreement between the payment terminal and the merchant outlet.

Cardmember has to check at the store if the outlet is providing instant discount or cashback.

• Offer is applicable on select products. Click here for product list.

• Offer is applicable on EMI tenures of 3,6,9 and 12, months only. Offer is not applicable on 18 and 24 months

EMI tenure

• Offer is applicable on LG outlets & multi brand outlets where Pine Labs terminal is installed, and eligible

product(s) is/are available. To know the participating outlets, click here.

• Offer is also applicable on No Cost EMI on select product on 3,6,9 and12 months EMI tenure. Cardmember

can check the eligible product(s) and eligible EMI tenure for No Cost EMI at the outlet.

• For No Cost EMI offer, American Express will charge full interest along with GST/taxes as applicable from the

Cardmember. However, Merchant/Seller will give either an instant discount equivalent to the interest

chargeable at the time of purchase or within 90 days of transaction the amount will be credited to

Cardmember account in form of Cashback. Hence, effectively for Cardmember it would be a No Cost EMI.

• Cashback/instant discount will be eligible only if the transaction is done using EMI as a payment option on

Pine Labs terminal through eligible American Express® Credit Cards

• A Credit Card can be used only once during the offer period to avail LG offer.

• Cashback will be credited within 90 days from the date of transaction and instant discount will be provided

immediately at the time of payment.

• EMI needs to be active till the fulfilment date for Cardmembers to be eligible for offer benefits. Foreclosed

EMIs will not be eligible for the offer benefits.

• Cardmembers would need to contact the outlet to see the eligible products and/or cashback/instant discount

amount.

• Offer is applicable on Brand EMI transactions only.

• Offer is applicable only when the offer is printed on the charge slip of the transaction.

• There is no black out date under this offer.

• Offer cannot be clubbed with any other ongoing offer.

• Offer Details are contained in the table below.

Normal cash

back

Multi brand outlets

Brand stores

Special Cash back

Multi brand

outlets

Brand stores

Discount/

Cashback

Maximum

amount (₹)

Discount/

Cashback

Maximum

amount (₹)

Discount

Max

amount

Discount

Max

amount

Select AC

5.00%

1,500

5.00%

1,500

Select refrigerator Direct

Cool

10.00%

2,500

10.00%

2,500

2,000

7.50%

2,500

Select microwave

12.50%

3,000

Select

Refrigerator

2,500

3,000

Select 32"/ 43" TV

1,500

2,000

Air purifier

2,500

Select Dishwasher

3,000

4,000

Audio video

Select Microwave

4,000

Washing machine

Select Water purifier

Water purifier

Select UHD/Nanocell 43" /

50"

3,500

Refrigerator

Select TV OLED/UHD

5,000

6,000

Microwave

Select Washing machine

FL/TL

6000

7000

1,000

1,500

Select OLED / Nanocell

7,500

9,000

Select OLED 48"

10,000

Select OLED 42"

5,000

Select OLED/ UHD /

Nanocell

10,000

12,500

Select OLED 55"

15,000

Select refrigerator FF

5,000

6,000

Select refrigerator FF

12.50%

7,000

15.00%

8,000

Select washing machine FL

9,000

Select microwave

15.00%

5,000

Select water purifier

6,000

17.50%

9,000

Select microwave

3,000

3,500

Select washing machine FL

9,000

10,500

Select washing machine FL

20.00%

12,000

22.50%

13,500

Select refrigerator SBS

10,000

11,500

Select MWO

6,000

7,500

Select OLED/ UHD /

Nanocell

26.00%

26,000

26.00%

26,000

Select AV Fixed cash back

2,000 /

3,000

2,000 /

3,000

Croma Oer details as below:

Oer: 7.5% instant discount on EMI transacons on Pine Labs Terminals.

• Maximum discount amount: Rs. 7,500 per Card.

• Minimum transacon amount to be eligible for the oer is Rs. 30,000 (inclusive of taxes).

• Oer is applicable every Saturday and Sunday starng 3rd February 2024 unl 30

June 2024 (both days included).

• Oer is applicable at Croma stores where PineLabs terminal is installed, and eligible product(s) are available. To know the

parcipang stores, click here.

• Oer is applicable on all EMI tenures i.e., 3,6,9, 12, 18 or 24 months.

• Oer will be eligible only if the transacon is done using EMI as a payment opon on PineLabs terminals through eligible

American Express® Credit Cards

• Oer can be availed one me per Card per month.

• Oer also applicable on Supplementary Cards.

• Oer is applicable on Bank EMI transacons only.

• There is no black out date under this oer.

• This oer cannot be clubbed with any other ongoing oer with the merchant partner.