IDFC 5% EMI cashback offer

Deal Cadet

“5% cashback on the transaction value for your first EMI transaction within the first 90 days of card issuance (no upper cap on cashback amount)”

This is written on your IDFC Select card page. Is the 5% cashback calculated on first month EMI or is it on the total product cost? For example if product cost is 12000 and i choose EMI option for 12 months (EMI = 1000) So 5% cashback is calculated on 1000 or 12000?

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It is on total amount. So, 12k. But it is not a no interest emi. Even 3 month emi covers 5% cashback. Plus no reward points. So, net 1.5% loss.

Use only if u don’t have money to pay.

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