Set your own monthly reminder a few days before the date of your first Plan of Purchase payment, because the plan cannot be paid by automatic bank debit (NACH) and a late instalment can cost you the free month.
Palmonas adds the 6th month's value free to the Plan of Purchase only if you pay all 5 instalments on time. Each instalment is due on the same date as your first payment, and paying more than 4 days late counts as a breach of the plan. A missed or late instalment can cost you the free month. If you stop early, you keep only what you paid, and it can be used only on 9KT gold jewellery, never as cash.
You can redeem only between Day 151 and Day 210 from your first payment, and the full amount must go on one purchase. If you miss that window, you get a voucher for only what you paid, without the free month. If the piece costs more than the plan value, you pay the extra, and no plan benefit applies to that extra amount.
The plan value works with other running offers when you redeem, except birthday and anniversary discounts. If a sale falls inside your redemption window, redeem during the sale so the sale price and the plan value both apply. Enrolment needs a valid PAN card, and the monthly amount cannot be changed once the plan starts, so open a second plan if you want to save more. Plans on the same account with the same redemption window can be merged when you redeem.
Palmonas 
CodeChaser1 day agoReported the promo code DIWALI40 as working
