The following terms and conditions apply to transactions made on the Apple Store Online (www.apple.com/in) and at Apple Retail Stores within India using EMI or No Cost EMI as a payment option:
Apple India Private Limited (“Apple”) facilitates EMI and No Cost EMI. You will be presented with EMI and No Cost EMI payment options if your total transaction order meets the relevant minimum order value for your eligible card as set by your eligible card issuing bank, and in the event that Apple is running a No Cost EMI promotion.
For No Cost EMI, the amount equivalent to the total amount of interest payable on an EMI transaction will be discounted from your total transaction value upon choosing the No Cost EMI payment option. You will be liable to repay the principal loan amount and applicable interest to your eligible card issuing bank.
No Cost EMI is available with the purchase of an eligible product made using qualifying cards on 3 or 6 month tenures from most leading banks. Until 26 June 2024, No Cost EMI is available with the purchase of an eligible iPhone made using qualifying cards on 3, 6, 9, 12, 18, 24 month tenures from most leadings banks. Monthly pricing is rounded to the nearest rupee. Exact pricing will be provided by your bank, subject to your bank’s terms and conditions. Minimum order spend applies as per your card’s issuing bank threshold. Cannot be combined with Apple Store for Education or Corporate Employee Purchase Plan pricing. Card eligibility is subject to terms and conditions between you and your card issuing bank. Offer may be revised or withdrawn at any time without any prior notice.
Representative examples:
Based on a 6 month tenure. ₹79900.00 total cost includes 15% pa and No Cost EMI savings of ₹3380.00, paid over 6 months as 6 monthly payments of ₹13317.00.
Based off a 24 month tenure. ₹79900.00 total cost includes 15% pa and No Cost EMI savings of ₹11242.00, paid over 24 months as 24 monthly payments of ₹3329.00.
EMI and No Cost EMI are offered by and subject to the terms and conditions applicable between you and your eligible card issuing bank. Apple is not involved in any approval, extension, pricing, modification, pre-closure, closure or any matter incidental to offering the EMI payment option financing to you. This is decided at the sole discretion of your eligible card issuing bank.
In the event of a price reduction of product(s) between the time your order is placed and shipped, Apple will automatically reduce the price paid for your product(s) accordingly. Apple will issue a credit equal to the price reduction to the original payment method. You will continue to be liable to repay the EMI principal loan amount and applicable interest to your eligible card issuing bank.
You understand that Apple may share your transaction order information with your eligible card issuing bank and you expressly consent to this sharing of data for these purposes.
Apple shall have no liability in the event your eligible card issuing bank refuses to process your EMI or No Cost EMI payment option transaction.
Apple on a best effort basis displays representative EMI and No Cost EMI related information (EMI amount, interest rate charged and total amount payable) for your purchase as per the information shared with Apple by your eligible card issuing bank on an "AS IS" basis. Your eligible card issuing bank is the authoritative source of this information and you are advised to contact your eligible card issuing bank for any further clarifications in this regard. For more information, we request you review the terms and conditions of your eligible card issuing bank offering such EMI payment option.
Apple does not charge you any processing or convenience fee for the purpose of facilitating an EMI or No Cost EMI payment option. Your eligible card issuing bank may charge processing and/or convenience fees in accordance with the terms and conditions applicable between you and your eligible card issuing bank.
In the event that you have a complaint, dispute or enquiry about an EMI transaction, we advise you to approach your eligible card issuing bank.
In the event that you cancel or return your product(s) purchased using an EMI or No Cost EMI payment option, Apple may facilitate a refund in accordance with the Apple Retail India Sales Policy. You are advised to check with your eligible card issuing bank how cancellation(s) or refund(s) will affect EMI and any pre-closure or interest charges levied on you.
Local sales tax, GST and all other applicable taxes and levies will apply to all orders and shall be payable by you.
The EMI and No Cost EMI payment options may be combined with other Apple promotions that are directed to individual end-user consumers and offered during the same promotional period on the Apple Store Online, subject to the terms, conditions, and limitations applicable to this promotion and such other Apple promotion(s).
Apple’s facilitation of the EMI payment option is void where prohibited or restricted by law. Apple may use any information provided in accordance with its privacy policies posted online at https://www.apple.com/in/legal/privacy/en-ww/. Apple reserves the right to change, modify or end the facilitation of an EMI payment option on the Apple Store Online and these Terms and Conditions at any time, without notice. Such changes shall not affect already processed orders, for which this version of the Terms and Conditions shall apply. You must be 18 years or over in order to use the EMI payment option on the Apple Store Online.
© 2024 Apple Inc. All rights reserved. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. All other marks appearing within this message are owned by Apple Inc. or may be trademarks of their respective companies.
You can receive instant savings from Apple on behalf of your eligible card issuing bank when you make a purchase on an eligible device in a single transaction on the Apple Store Online (www.apple.com/in) or at an Apple Retail Store in India, subject to these terms and conditions:
The instant savings payment is either: (a) equal to the specified instant savings percentage of your net total transaction when using your eligible card; or (b) a flat amount payable upon your net total transaction value. Multiple separate transaction orders cannot be clubbed together for instant savings, and Apple may impose a Maximum Instant Savings Amount on overall instant savings payments from time to time.
Only purchases and deliveries within India made from the Apple Store Online are eligible.
Instant savings are based on your final transaction amount less any trade-in credit and any other deductions. You can avail of instant savings using your eligible card. Instant savings are available for up to two orders per rolling 90-day period with an eligible card. The instant savings payment is initiated instantly, reducing your total purchase price. Any post-transaction order adjustment(s) or cancellation(s) may result in an instant savings amount being recalculated. Where a recalculation takes your total transaction value below the minimum invoice value, instant savings may no longer be applicable and any subsequent refund may also be adjusted to account for instant savings clawback; this may result in no refund being made to you.
The instant savings are not available or applicable on purchases made from the Apple Store Online for Education or under a Corporate Employee Purchase Plan.
Apple reserves the right to change these terms and conditions or modify, extend or end the instant savings offer at any time without notice. Changes will not affect already processed orders, for which this version of the terms and conditions shall apply. Goods and Services Tax (GST) and all other applicable taxes and levies will apply to all orders and shall be payable by you.
In the event that you cancel or return your items purchased under an instant savings offer, Apple may facilitate a refund in accordance with the sales terms and conditions. You are advised to check with your eligible card issuing bank how cancellation(s) or refund(s) will affect any pre-closure or interest charges levied on you.
Your eligible card issuing bank and Apple reserve the right to disqualify you from the benefits of the instant savings offer if any fraudulent activity is identified. You are not bound in any way to participate in this instant savings offer, any participation is voluntary and the instant savings offer is made purely on a best-effort basis. Nothing herein amounts to a commitment by Apple or your eligible card issuing bank to conduct further, similar or other instant savings offers.
These terms and conditions are in addition and separate to the terms and conditions that you have agreed with your eligible card issuing bank.
You understand that Apple may share your transaction order information with your eligible card issuing bank for the purposes of this instant savings offer and for checking your eligibility for your issuing bank’s products and services. By participating in this instant savings offer, you expressly consent to this sharing of your data for these purposes.
Apple does not charge you any processing or convenience fee for the purpose of facilitating any instant savings offer. Your eligible card issuing bank may charge processing fees.
Instant savings is void where prohibited or restricted by law. Apple may use any information provided in accordance with its privacy policies posted online at www.apple.com/in/privacy. Apple reserves the right to change or end the facilitation of the instant savings offer or these terms and conditions at any time, without notice. Such changes shall not affect already processed orders, for which this version of the terms and conditions shall apply. You must be 18 years or over in order to use the instant savings option on the Apple Store Online or at an Apple Retail Store in India.
© 2024 Apple Inc. All rights reserved. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. All other marks appearing within this message are owned by Apple Inc. or may be trademarks of their respective companies.