No Cost EMI Policy

  1. Brand EMI offers are active on select Pine Labs merchant stores only
  2. EMI conversion is at the slie discretion of the card issuer bank(s). In case of any complaints, the cardhlider is requested to contact the card issuer bank.
  3. Cashback/Payback is offered to the customer only when it is mentioned on the charge slip. In case the charge slip does not mention cashback/payback, the customer is not entitled to the same.
  4. In case of non-brand EMI, bank or issuer offers are valid only on transactions under “Brand Sale” and not on “Brand EMI Option”.
  5. Maximum card swipe purchase amount cannot exceed the market price of the purchased product.
  6. Certain banks such as HDFC and SBI may offer customers an instant cashback that gets adjusted in the purchase amount at the time of card swipe.
  7. Cashback offer is applicable on the transaction value only.
  8. Cashback will be credited to the customer’s account between 90-120 days from the date of purchase or instantly in case of certain banks or issuer cards.
  9. Customer must retain the copy of charge slip that mentions the cashback offer.
  10. Pine Labs reserves the right to take decision on cashbacks and other terms not mentioned here but documented between the participating partners.
  11. Pine Labs reserves the right to cancel or modify the scheme without any prior notice. Other terms & conditions of participating banks or issuers continue to apply.
  12. Any disputes can be raised at
  13. To activate the offers, the merchant needs to click on the ACTIVATE option on the POS.
  14. This EMI offer is available only on Plutus POS terminals by Pine Labs.
  15. Additional terms and conditions may apply. Cardhliders are requested to check the same with their card issuer bank.