A. Definitions

In these terms and conditions, unless there is anything repugnant to the subject or context thereof, the expressions listed below, if applicable, shall have the following meanings:

1. “Cardholder” shall mean a customer holding an ICICI Bank Coral American Express Credit Card.
2. "Card" shall mean the ICICI Bank Coral American Express Credit Card, which has been issued by ICICI Bank and is valid and subsisting during the Program Period.
3. “Program” shall mean the program under which a Cardholder is eligible to get an introductory no interest offer for first 3 statement cycles after the card set-up, details of which are provided in Clause B
4. “Program Period” period from November 2014 to April 2015
5. ”Primary Terms and Conditions” means the terms and conditions governing the credit card issued by ICICI Bank, and as is available on the website www.icicibank.com
6. “Terms and Conditions” shall mean the terms and conditions for the Program.

B. Details of the Program

1. Under the Program, ICICI Bank shall not levy interest charges on the Card for the first 3 statement cycles following the date of the Card set-up.
2. All retail transactions made from the date of Card Set-up shall not accrue any interest for the first
3. statement cycles, as long as the Minimum Amount Due for each statement cycle is paid. If the Total Amount Due is not paid by the 3rd statement payment Due Date, the standard interest charges shall start applying from the 4th statement cycle. To illustrate: If the Cardholder receives the Card on December 20th, 2014 and the statement cycle is 15th-14th, the first statement will be generated on January 15th, 2014
   
   All retail transactions made by the Cardholder between December 20, 2014 to March 15, 2015 can be paid in full by April 3, 2015 without accruing any interest. The unpaid balance amount after the 3rd statement payment due date of April 3,2015 along with transactions made between March 15, 2015 and April 15, 2015 will attract interest and the same will be reflected in the 4th statement dated April 15, 2015.

C. Specific Terms

1. The Program shall be available to the Primary Cardholders only.
2. The Cardholder shall be required to pay the Minimum Amount Due for the first 2 statement cycles by the respective Due Dates. In the event, the Cardholder fails to pay the Minimum Amount Due by the Due Dates of either the first or the second statement cycle, the Program shall lapse and interest shall accrue on the outstanding balances from the corresponding statement date.
3. All retail transactions, against which payment is not made till the payment Due Date of the 3rd statement cycle, will start accruing interest as per the standard interest terms mentioned in the Primary Terms and Conditions and Most Important Terms and Conditions. . The only difference shall be that the interest will be levied from the 3rd statement date and not from the date of transaction.
4. The Program is valid only on retail purchases and is not valid on EMI converted transactions, cash withdrawals, payment of card and transaction related fees, payment reversals, balance transfer, chargeback and penalty charges.
5. For all the transactions other than retail –purchases, standard fee and interest charges will apply.
6. Any forced generated statement shall also be counted under the Program–for e.g. If a Cardholder requests for and generates a statement in between the regular statement cycles to change the statement cycle, the Program will still expire when the 3rd statement, so requested, is generated.
7. This is a special promotional offer to select Cardholders only. The Cardholders are selected solely at the discretion of ICICI Bank.
8. The introductory interest rate offered under the Program shall be applicable only during the Program Period.
9. ICICI Bank reserves the right, at any time, without previous notice, to add, modify, alter, change or vary the terms and conditions of the Program, or to replace, wholly or in part, the Program with any other program, whether similar to this Program or not.
10. ICICI Bank reserves the right to withdraw the Program, at any time.
11. Cardholders shall not hold ICICI Bank responsible for any actions, claims, demands, losses, damages, costs, charges which a Cardholder might suffer, sustain, or incur as a result of this Program.
12. Any disputes arising out of this Program shall be subject to the exclusive jurisdiction of competent courts of Mumbai. The existence of a dispute, if any, shall not constitute a claim against ICICI Bank.
13. This Program is non-transferable.
14. All communications / notices with regard to this Program should be addressed to "ICICI Bank Ltd., ICICI Bank Phone Banking Group, P.O. Box No. 20, Banjara Hills, P.O. Hyderabad – 500034".
15. In all matters relating to the Program, the decision of ICICI Bank shall be final and binding in all respects.
16. The Program is not available wherever prohibited and / or on merchandise / products / services for which such programs cannot be offered for any reason whatsoever.
17. The Terms and Conditions shall be in addition to and not in substitution to the terms and conditions governing the Primary Terms and Conditions. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the terms and conditions applicable to the Primary Terms and Conditions.