Offer Details

Customers can avail a 5% Instant Discount on eligible HDFC Bank Credit Card EMI transactions made towards Kapable programs. The offer is applicable on a minimum transaction value of ₹30,000, with a maximum discount of ₹5,000. The offer can be availed once per eligible card during the campaign period and is valid from 23rd August 2026 to 31 August 2026, both dates inclusive.

The applicable discount will be provided upfront at the time of the eligible EMI transaction. Eligibility for the offer will be determined by HDFC Bank and is available only to select eligible HDFC Bank Credit Cardholders.

Offer Exclusions

The offer is not applicable on Virtual Cards, Consumer Durable Cards, VPA Cards, Fleet Cards, R&R Commercial Cards, Purchase Cards, InterMiles Cards, Paytm Cards, Equitas Cards, Swiggy Cards, Flipkart Wholesale Cards, Pine Labs Cards, Emirates Cards, Harley Cards, IBIBO Cards, IRCTC Cards, Times Cards, Tata Neu Cards, Shoppers Cards, Bestprice Cards, 6E Rewards Cards, Marriott Cards, PhonePe Cards and Snapdeal Cards.

Redemption & Eligibility Terms

To avail the offer, the transaction must be completed through an eligible HDFC Bank Credit Card EMI option. The offer cannot be combined with any other offer. Where a promo code forms part of the offer communication, the customer must apply the relevant code at the time of the transaction. If the promo code is not used, the discount or cashback cannot be credited retrospectively.
If a customer holds more than one HDFC Bank Credit Card, transactions made across different cards cannot be clubbed together to qualify for the offer.
Transactions eligible for an Instant Discount/Cashback under this offer will not qualify for HDFC Bank Reward Points. Any Reward Points credited against such transactions may be reversed by HDFC Bank in accordance with the applicable terms.
Benefits under the offer will only be provided to eligible accounts that are active at the time of posting. Benefits will not be provided on credit card accounts that are permanently delinquent or closed at the time of posting, or on retail credit card accounts flagged for working capital usage.
The offer is non-cashable, non-negotiable and non-extendable. Participation in the offer is voluntary, and nothing contained in the offer constitutes a commitment by HDFC Bank to conduct similar offers in the future.

General Terms

HDFC Bank reserves the right, without prior notice, to add, alter, modify, replace, extend or withdraw the offer or its Terms & Conditions, in whole or in part, in accordance with its applicable terms.

Any applicable taxes, service charges or other charges associated with the promotional offer may be borne by the cardholder. Any query regarding the offer must be raised within 60 days from the applicable posting date, after which HDFC Bank may not entertain correspondence regarding the offer.

Important Note on Program Terms: The offer is additionally subject to the applicable HDFC Bank Cardholder Agreement and EMI Terms & Conditions. The instant discount applies only to the eligible EMI transaction and does not alter Kapable's underlying program fee, enrollment terms, refund terms, cohort policies or other program-related policies.

By availing the offer, the customer will be deemed to have read, understood and accepted these Terms & Conditions, along with the applicable HDFC Bank terms.