• The offer is an instant discount and will be provided upfront at the time of purchase.
• 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 bank offer
• If promo code is mentioned as part of the communication (please refer Offer details tab) then customer has to use the code to avail the offer; in case the code is not used Discount/ Cashback cannot be credited back to customer at a later date.
• 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.
• Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.  
• Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting. 
• Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.
• 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, IRCTC, IOCL, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, Marriott, PhonePay, Snapdeal Cards for regular full swipe transactions
• This offer is non-cashable, not extendable, and non-negotiable.
• Purchases eligible for Instant Discount/ Cashback on HDFC Bank Credit Card will not qualify for Reward Points. The same will be reversed within 120 days of end of cashback posting month or end of offer month for Instant discount offers.
• 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 posting 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.

• Charges involved on a EasyEMI transaction
• Processing fees of INR 299 + GST
• Gap Interest will be levied on First EMI calculated from the loan booking date to payment due date
• GST will be levied on Processing Fee, Gap interest and Pre-closure fee as applicable
• In the Case of No Cost EMI benefit offered by Merchants, the interest that will be charged by the Bank for the EMI transaction will be provided as upfront discount at the time of transaction or during the loan booking as applicable by the transaction mode.
• Bank will continue to charge interest during the tenure opted by the customer at the annual interest rate by reducing balance method. In Monthly reducing balance cycle, the principle loan amount is reduced for every EMI paid and interest is calculated in the balance of outstanding principle loan amount to be paid.
• In the event of customer preclosing/ cancelling EMI on an originally Credit Card EMI or Debit Card EMI transaction, 'Pre-closure Interest charges' + 3% Pre-closure Fee on principle Outstanding (as applicable) will apply at the time of all Pre-closures.
• Benefits like payback / Instant discount etc offered by the merchant at the time of loan booking will be debited within 120 days of EMI closure. Cashback will be posted only those transaction for which loans are active as on posting date.
• Refer the link given below for detailed terms and conditions of EMI transactions. https://www.hdfcbank.com/personal/borrow/popular-loans/easy-emi/easyemi-on-consumer-durables 
• This offer is not applicable on virtual cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase cards, Intermiles, Paytm, Equitas, Swiggy, Marriot, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC, Times, Tata Neu, Shoppers, Bestprice, 6E Rewards, PhonePay, Snapdeal Cards for EasyEMI transactions on Credit Card

1. 10% instant discount on ₹4000 and above with HDFC BANK Credit Cards, Max discount ₹500 on Nykaa Beauty/ Nykaa Fashion/ Nykaa Man
2. Offer valid once per user during the entire campaign period
3. Offer only valid once per card
4. Offer valid from 21-Nov-2025 to 30-Nov-2025 and on 20-Nov-2025 during Early access for eligible Prive users.
5. Offer not valid on Net Banking
6. Offer NOT applicable on Desktop Website.
7. Nykaa has the right to cancel orders if found to be of fraudulent nature.
8. Nykaa & HDFC BANK reserves the right to change / modify / add / delete any of the terms and conditions of the offer at any time without notice, as well as extend / reduce the validity of the offer.
9. Offer has no monetary value and cannot be reused, exchanged, or refunded.
10. Nykaa reserves the right to withdraw this offer at its discretion and without notice.
11. Participation in this offer is voluntary. Any person availing of this offer shall be deemed to have read & understood and accepted these Terms and Conditions.
12. HDFC BANK and Nykaa reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change/ discontinue or vary all of 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.
13. Customers are advised to read and understand the terms and conditions of Nykaa before availing the benefits of the offer. HDFC BANK merely facilitates its customers to avail the benefits of the offer and is in no way concerned or connected with the terms and conditions of Nykaa.
14. HDFC BANK and Nykaa, reserve the right to disqualify any Customer 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.
15. HDFC BANK holds out no warranty or makes no representation about the quality, delivery or otherwise of the goods and services offered by Nykaa . Any issue or dispute or claim regarding the goods and services must be resolved by the Customer with Nykaa directly without any reference to HDFC BANK.
16. The Offer shall be non-negotiable, non-encashable, non-transferrable and is for one time use, which cannot be clubbed with any other Offer.
17. The decision of HDFC BANK and Nykaa in all matters in connection with and incidental to this offer is final and shall be binding on all persons.
18. HDFC BANK shall not be responsible or liable in any manner whatsoever for any deficiency or inadequacy in the services rendered by Nykaa, its agents or representatives and the Customer hereby agrees not to hold the HDFC BANK responsible or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses that he/she may suffer on account of the offer.
19. Disputes, if any, a rising out of or in connection with or as a result of above offer or otherwise relating thereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether any other court or tribunal has concurrent or similar jurisdiction.
20. In case the order, where bank offer is applied, is canceled for any reasons whatsoever, the offer cannot be availed again on the same card
21. Shipping and handling charges are applicable on all orders.
22. Should you face any trouble using this offer or if the payment process has failed or been interrupted before you have placed your order successfully, please contact Nykaa support for further assistance: support@nykaa.com
23. Orders placed using this offer will be subject to the Terms and Conditions of Nykaa : https://www.nykaa.com/terms-conditions
24. All Customer Queries/disputes on the offer should be raised during the offer period or within 90 days after expiry of the promotion period. For any disputes, the customer needs to furnish a scanned copy of the charge slip and Invoice for the case to be taken for further investigation.
25. The decision of Nykaa & HDFC BANK will be final and binding on all and any correspondence in this regard will not be entertained.
26. 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.
27. HDFC BANK and/or Nykaa reserves 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.
28. 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 and Nykaa will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues.
29. Any person taking the advantage of this offer shall be deemed to have read, understood and accepted these terms and conditions
30. HDFC BANK shall not be held liable for any delay or loss that may be caused in delivery of the services.
31. This Offer is made available to the Customers selected at the discretion of HDFC BANK. The offer cannot be combined with any other offer applicable on HDFC BANK Cards.
32. This offer is valid for Indian residents and citizens only.
33. Delinquent and over-limit HDFC BANK Card members will not qualify for this promotion.
34. Nothing herein amounts to a commitment by HDFC BANK to conduct further, similar or other offers.
35. If a card member has more than 1 (one) HDFC BANK Credit Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.
36. The above offer is by way of a special offer for select HDFC BANK 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.
37. Any query regarding the offer will be entertained for 60 days from offer fulfillment date. Post such date, HDFC BANK will not entertain any correspondence or communication regarding this offer from the customer.