The offer is an instant discount and will be provided upfront at the time of purchase. 

• This offer is applicable on select Royaloak stores and online on www.royaloakindia.com only
• The offer is applicable only on Select HDFC Bank Credit Card EMI and Debit Cards EMI.
• Offer applicable once per month  
• EMI processing fee upto Rs. 299 + GST will be billed on the customer statement.  
• HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the Card Holder/s with the partner directly without any reference to HDFC Bank. 
• HDFC 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 / assured gifts / gift vouchers availed by the Card Holder/s under the said Offer offered by the partner 
• HDFC Bank shall not be held liable for any delay or loss that may be caused in delivery of the services. 
• This Offer is made available to the Customers selected at the discretion of HDFC Bank. 
• The offer cannot be combined with any other offer 
• Any person availing this offer shall be deemed to have accepted these Terms and Conditions. 
• HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether. 
• HDFC Bank 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. 
• Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers. 
• This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO and IRCTC Cards. 
• This offer is non-cashable, not extendable, and non-negotiable. 
• If a card member has more than 1 (one) HDFC Bank Credit/Debit Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer. 
• The above offer is by way of a special offer co-funded by the Bank & Merchant for select HDFC Bank Credit/Debit Cardholders 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. 
• All disputes, if any, arising out of or in connection with or because of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction. 
• Any query regarding the program will be entertained till 60 days from the campaign end date. After said date the Bank will not entertain any correspondence or communication regarding this Program from the cardholder. 
• Any Tax, service charge or other charges levied with regards to the Promotional Offer, may be borne by the Card Holder / winner. 
• For more details on EMI please check :  https://www.hdfcbank.com/personal/borrow/popular-loans/easy-emi/easyemi-on-consumer-durables  
• Offer available on checkout during payment made via Paytm/Razorpay