Offer Terms and Conditions

Flexipay Zero Processing Fee Offer 7th Nov – 30th Nov 2024

Flexipay Zero Processing Fee Offer 28th Sep – 12th Oct 2024

Gift voucher worth Rs 750

Yatra Voucher worth Rs. 1000 with every new Add-on Card

Exclusive Offer for newly onboarded Cardholders of SimplyCLICK American Express Card

Exclusive Offer for newly onboarded and upgraded Cardholders of SBI Card PRIME American Express Card

Encash Offer Zero Processing Fee Sep24 TnC

Flexipay Segmented Offer 1st Aug – 31st Aug , 2024

Link your Rupay SBI Credit card with PhonePe UPI App, Scan & Pay and get Flat Rs 50 Cashback on 1st two UPI transactions.

Amazon Voucher worth Rs. 500 with every new Add-on Card

Rs. 2,000 Fabindia Voucher for SBI Card ELITE top spenders

Exclusive offer for cardholders of SBI Card PRIME American Express® Card FY23-24

Flexipay Segmented Offer 15th Feb , 2024 to 29th Feb , 2024

Complimentary Sony LIV membership on card Upgrade to SBI Elite Credit Card

First Year Free pre-approved SimplySAVE UPI SBI Card

Swiggy One Membership with every pre-approved RuPay SBI Credit Card

3-Month SWIGGY One Membership with every New Add-on Card

Flexipay Segmented Festive Offer 10th Nov to 9th Dec , 2023

Link your Rupay SBI Credit card with Paytm UPI app, scan & Pay and get Rs 500 Movie Discount Vouchers free.

Link your Rupay SBI Credit card with your preferred UPI app & start making payments

Apply for an Add-on card and get Zomato Voucher worth INR 500

10% Cashback at Vijay Sales on RuPay Credit Card transactions done via UPI payment mode

Flexipay EMI Amazon Voucher Program 15th June’23 to 14th Jul’23

Apply for an Add-on Card and get 1-year SonyLIV subscription worth INR 999

Exclusive Offer for new Cardholders of SimplySAVE SBI Card (on RuPay platform)

Offer: Get an Amazon Pay Gift Card worth Rs. 250 on spending Rs. 2000 within first 60 days of credit card issuance

• The SBI Card Offer (“Offer”) from SBI Cards and Payment Services Ltd. (“SBICPSL”) is open to select residents of India holding a valid and current SBI Credit Card (“Card”) i.e., with no outstanding of more than 30 days (“Cardholder”).
• Offer is valid on total purchase of Rs. 2000 or more done within 60 days of issuing the Card to the Cardholder. Offer is not valid on Cash Withdrawals, Balance Transfer, Balance Transfer on EMI, Encash and Easy Money Draft spends.
• This offer is valid only for SimplySAVE SBI Card (on RuPay platform) issued to the Cardholder from Banca channel with 1st year Joining Fee of Rs. 499 (plus applicable taxes).
• Offer is valid for new Card issuance only and is not applicable for Flipped, Re-Issued, Replaced and Renewed Cards.
• The Amazon Pay Gift Card worth Rs. 250 will be fulfilled to the eligible Cardholder within 60 days of achieving eligibility. The mode of fulfillment shall be E-mail and SMS.
• Cardholder to ensure that the registered mobile number is not on NCPR (National Customer Preference Register ) list to receive the PIN for redeeming the Amazon Pay Gift Card.
• Cardholder to ensure and update latest mobile number and email ID to receive periodic communication related to this offer. SBICPSL shall not be responsible for non-communication of the PIN code in case the eligible Cardholder does not have a valid registered mobile number and/or email address with SBICPSL.
• Offer is valid for all SimplySAVE SBI Card accounts (on RuPay platform) opened via Banca channel from 20^th March 2023 – 15^th June 2023 (both dates inclusive).
• The Amazon Pay Gift Card will be given only to the Cardholders who are eligible as part of this program. All decisions of SBICPSL about eligibility of Cardholders for benefits under this Program are final, absolute and binding on all Cardholders.
• In case of any query regarding offer fulfilment, please contact SBI Card Helpline (18601801290 / 39020202- prefix local STD Code) within 90 days from the date of fulfillment. No queries regarding offer fulfillment will be entertained by SBICPSL post this period.
• This is a stand-alone Offer and the benefits offered under this Offer cannot be clubbed together and/or in any way be cumulated with any other offer of SBICPSL in any manner, or form.
• Any disputes arising out of this Offer shall be subject to arbitration under the Indian Arbitration and Conciliation Act, 1996 including any statutory amendments carried thereof. Arbitration shall be conducted by a sole arbitrator appointed by SBICPSL for this purpose and the award of the arbitrator shall be final and binding on the cardholder and SBICPSL. The place of arbitration shall be New Delhi and the language of arbitration shall be English. Existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• Cardholders are not bound in any way to participate in the Offer. Any such participation is voluntary and the same is being made purely on a “best effort basis”.
• The usage of the Amazon Pay Gift Card code shall be governed by the Terms & Conditions as laid down by Amazon in the succeeding sections.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

Amazon Pay Gift Card – Terms & Conditions

• Cardholder will receive a link and a 4-digit PIN via SMS and Email. Customer to visit the link and enter the 4-digit PIN to view the Voucher Number. To add your Gift Card to your Amazon Pay balance, visit amazon.in/addgiftcard . This balance gets automatically applied at the time of next purchase. There is no cap on number of E- Gift voucher that can be added to an account. Amazon Pay balance is a sum of all balances associated with the E- Gift voucher in your Amazon.in account.
• The above link shall be valid up to a period of 3 months.
• Amazon Pay balance are redeemable across all products on Amazon.in except apps, certain global store products and other Amazon.in E- Gift voucher
• Amazon Pay balance must be used only towards the purchase of eligible products on amazon.in
• The E- Gift voucher, including any unused Amazon Pay balance, expire one year from the date of issuance of the E- Gift voucher.
• E- Gift voucher cannot be transferred for value or redeemed for cash.
• For detailed terms and conditions, visit www.amazon.in/giftcardtnc
• To redeem your Gift Card, visit www.amazon.in/addgiftcard
• Responsibility of Accentiv shall be limited only upto the delivery of Gift Card/e-Gift Voucher Code to the final customer.
• Accentiv shall not be responsible for any misuse, theft, transfer, etc. occurred after delivery of the said Gift Card/e-Gift Voucher.

Spring Summer Sale (Valid from 21st to 31st March 2023)

IRCTC SBI card (On Rupay Platform) Amazon offer

BPCL SBI Card Amazon offer

SimplyCLICK SBI Card Amazon offer

• This Encash/Encash Inline Offer ("Offer") is made by SBI Cards and Payment Services Ltd ("SBI Card") to certain SBI Credit Cardholders ("Cardholders"). The intended recipients shall receive the Offer through appropriate medium as chosen by SBI Card. By availing this Offer and benefits accruing thereto, the Cardholder explicitly agrees to be bound by all the terms and conditions herein.
• This Encash/Encash Inline Offer is applicable only on bookings done via Digital Platforms (Mobile App/Website) between 10 Mar 2023 and 10 Apr 2023 (both dates inclusive) which fulfill all the below mentioned criterion -
  • Minimum booking amount for Encash is Rs 2,00,000 (Two Lacs) and for Encash Inline is Rs 1,00,000 (One Lac)
  • Tenure opted for should be either 36 or 48 months only.
  • Bookings should only be done via digital platforms (Mobile app/Website)
• As a part of the offer, cardholder who qualifies the above criterion would be eligible to get an Amazon e-Voucher for Encash/Encash Inline bookings as mentioned below. Vouchers will be sent after 90 days from the end date of this offer, viz 10 April 2023. Please note that in case of any foreclosures/cancellation requests raised within these 90 days, cardholder will not be eligible for this Amazon Voucher Offer.
  • Encash - Amazon Voucher worth Rs. 750
  • Encash Inline - Amazon Voucher worth Rs. 500
• This Offer carries a rate of interest which shall be charged to the Cardholder on the offered principal amount and is used for calculating all his financial obligations under this Offer and the same shall be the basis of drawing the appropriate amortization Schedule enumerated under Clause 36 herein below. In addition, the Cardholder shall also be charged a one-time processing fee at the rate of 2% of the principal amount advanced but subject to a minimum amount of Rs.499(Four Hundred and Ninety-Nine only) and maximum of Rs.3000 (Three thousand only).
• The Rate of Interest applicable for Ecash/Encash Inline facility is cardholder specific as decided by SBI Card at its sole discretion and intimated to the cardholder prior to availing the facility.
• Interest Rate Methodology-The interest rate charged for Encash/Encash Inline is linked to Minimum Benchmark Yield Rate calculated based on the following factors:
  • Marginal Cost of borrowings
  • Cost of Equity
  • Negative Carry cost on LCR (Liquidity Coverage Ratio)
  • Operating expenses
  • Tenor premium/discount

Appropriate spread will be added over and above the Minimum Benchmark Yield Rate to arrive at the maximum rate chargeable to the customer. This spread will be based on Credit Risk Premium (CRP) and appropriate Business Margin.

• Rate of interest for Encash/Encash Inline will be higher than the Benchmark rate (Minimum Indicative yield).
• Interest rate applicable on Encash/Encash Inline facility ranges from 14% – 20% p.a. (w.e.f Jan 2023) on all new offers, all existing offers will continue as per the original ROI).Interest Rate range applicable for various segments for Encash/Encash Inline are as below-
  • Bureau score <=700 including where no score is available: 18%-20% p.a.
  • Bureau score between 700 and 780: 14.5%-15% p.a.
  • Bureau score > 780: 14%
• This offer is on the basis of Bureau score of the cardholder at the time of launching the offer. His / her current Bureau score may or may not be the same as it was when this offer was launched.
• Changes in factors mentioned above may result in upward or downward revision of the interest applicable on the Encash/Encash Inline facility from time to time / from offer to offer at the sole discretion of SBI Card. All fees / charges applicable to the facility are subject to modifications based on SBI Card periodic internal review.
• This Offer is also subject to a maximum limit on the amount that may be availed by the Cardholder. The limit on the Offer can either be over and above the existing credit limit or from within the existing credit limit of SBI Card. In all events when the offer is over and above the credit limit (Encash), the maximum limit shall be contained and communicated by way of the proposed communication medium as made applicable by SBI Card to the intended recipient. In all events when the offer is within the credit limit (Encash Inline), the amount offered will be part of the existing credit limit and the credit limit shall be blocked up to Principal availed + Interest component. On payment of the monthly repayment amount, the Credit limit to the extent of monthly repayment amount will be credited back to the existing credit limit. It is clarified that the maximum amount offered will be subject to the available credit limit on the Card at the time of availing the Offer. This Offer (both in case of over the existing limit or within the existing limit) is subject to a minimum request for an amount of Rs. 25,000 (Twenty-Five Thousand Only)
• Cardholders can avail the benefits under this offer by requesting for a cheque which would be send to the Cardholder’s registered address or by NEFT transfer to their bank account.
• The monthly repayment amount is calculated as (Principal Amount + Interest charge) / Tenure in months. The interest charged is the reducing rate of interest and accordingly at any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on a reducing principal balance.
• The monthly repayment schedule will begin from the Cardholder next billing statement and continue over the tenure period chosen for the Offer.
• The Minimum Amount Due (MAD) will be 5% of the Cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and the monthly repayment amount due under the Offer (or all monthly repayment amounts due in case of multiple Offers).
• Non-Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5% p.m. (42% p.a.) for Unsecured card, 2.75% p.m. (33% p.a.). for Secured card and 2.75% p.m. (33% p.a.) for Shaurya card on the unpaid monthly repayment amounts.
• Under Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5% p.m. (42% p.a.) for Unsecured card, 2.75% p.m. (33% p.a.) for Secured card and 2.75% p.m. (33% p.a.) for Shaurya card on the unpaid monthly repayment amounts.
• In the event of non-payment / short payment of the Minimum Amount Due for more than three successive months or 90 days whichever is earlier, the Encash/Encash Inline facility shall be closed/withdrawn on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBI Card shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event the account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the Cardholders MITC.
• The Cardholder is supposed to pay the MAD in full to avoid getting delinquent.
• The Cardholder may place a request for voluntarily pre-closing the Encash/Encash Inline Offer prior to the maturity of the tenure period opted for, by calling the SBI Card Helpline. A foreclosure fee amounting to 3% of the Principal outstanding would be levied for such pre-closure requests. The Principal outstanding is calculated basis interest rate as applicable.
• In the event a cardholder puts a cancellation request by calling SBI Card helpline within 45 days of the Offer being booked via cheque, then all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be reversed once the cheque issued to the cardholder has been cleared and resulted in clear credit to the Cardholder account. Also, in case the cancellation request is received at the SBI Card helpline post 45 days of booking, the processing fees charged will not be reversed and the cardholder would be liable to pay same.
• Effective 27th February 2023, for all Encash/Encash Inline foreclosures, interest accrued during the period between the last Statement Date & the Foreclosure Request Date will also be added to the Foreclosure Charges. This interest will be over & above the Foreclosure Fee of 3% on the principal outstanding on pro-rata basis, plus applicable taxes. Foreclosure requests placed on statement generation date may attract extra interest. Notwithstanding above, if first EMI hasn’t been billed yet to the cardholder, then aforementioned interest accrued and associated GST shall not be charged.
• Amount availed by cardholders under Encash/Encash Inline facility will be reported to Credit Bureau from SBI Card.
• No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.
• Transfer from this Offer to any other offer will not be entertained. SBI Card reserves its absolute right at any time to add, alter, modify, or change or vary terms and conditions herein after giving due notice to the Cardholder.
• Customers eligible for Encash Inline offer are not eligible for temporary credit limit increase program. Temporary credit limit increase for such customers is allowed only after the Encash Inline offer is removed.
• Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• All and any disputes or differences arising from the Offer shall be subject to arbitration within the meaning of the Indian Arbitration and Conciliation Act, 1996 and amendment thereof. A sole arbitrator appointed by SBI Card for this purpose shall carry out arbitration of all such disputes and/or differences. The award of the arbitrator shall be final and binding on the disputing parties. The place of arbitration shall be New Delhi and the language of arbitration shall be English. Existence of dispute, if any, shall not constitute a claim against SBI Card.
• By availing this Offer and by conducting a financial transaction (Encashing the Encash/Encash Inline Cheque), and/or by booking the Offer on phone, the Cardholder provides consent and acceptance to all terms and conditions herein including for sharing of all personal, transactional, and other related information for the purpose of this Offer.
• No request from Add-on Cardholder other than primary Cardholder will be entertained for booking of Offer or availing benefits under this offer.
• SBI Card may at its sole option and discretion withdraw this Offer any time before the Encash/Encash Inline cheque has been honored/banked.
• The Cardholder would generally receive the cheque within 3 working days (for Metro locations) or 5 days (for all other locations) of the booking. This may, however, vary in case of unforeseen circumstances like bad weather conditions / flight delays / location or pin code being non-serviceable by the courier. Delays in delivery of the cheque may also occur in the event of customer has not updated his current address in the records of SBI Card or in circumstances where the customer is not available at his current address. SBI Card would not be held liable in the event of non-delivery of the instrument within the specified timeline for the foregoing set of reasons. Disbursement through NEFT (National Electronic Fund Transfer) to customer’s bank account (as provided by the Cardholder) will be subject to successful processing at beneficiary bank.
• Cardholder intending to cancel Encash/Encash Inline request via NEFT can do so by calling our helpline number on the same day of booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel Encash/Encash Inline request or refuse to accept disbursement of funds any day after the day on which the request for Encash/Encash Inline has been opted for by the cardholder.
• Cardholder agrees to comply with the terms and conditions of the Encash/Encash Inline facility as mentioned on SBI Card website. SBI Card will not be responsible for any loss incurred by the Cardholder because of any incorrect information provided by the Cardholder with respect to NEFT or the account details shared by Cardholder. A request for Encash/Encash Inline shall be deemed as an absolute consent of/by the Cardholder to accept all the terms of Encash/Encash Inline, including but not always limited to an acceptance of these Terms and Conditions and agreement to be bound by these. The Cardholder hereby agrees that upon the amounts being credited to the account details shared by Cardholder, he/she shall be required to repay the Encash/Encash Inline amount along with the interest, processing fee and applicable taxes as per the amortization schedule.
• In the event of any return of funds/reject of NEFT from the account details shared by Cardholder, the cheque (for the requested amount) will be dispatched at customer’s registered address automatically.
• Encash/Encash Inline amount would be directly transferred to customer’s saving bank account within 48 - 72hours (excluding Bank Holidays) of the request.
• The Cardholder hereby agrees to avail the Encash/Encash Inline facility on the precondition that he will not use the Encash/Encash Inline facility, or the amount disbursed under Encash/Encash Inline, or any part thereof, towards investments in capital markets and Jewelry purchases.
• In case of any dispute, decision of SBI Card shall be final and binding.
• SBI Card reserves the right to modify or change any of the terms and conditions applicable to the Offer or cancel the partial or entire offer at its sole discretion without prior notice.
• SBI Card may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
• Illustrative example of amortization schedule:

The above is an Illustrative example of amortization schedule and the actual amortization schedule will be part of the sanction letter issued to the Cardholder. * MRA (Monthly Repayment Amount) Billing Date is the monthly statement date. For payment due date please refer your monthly statement $ MRA Excluding Applicable Taxes

• This offer is on Flexipay EMI facility and is open only to those SBI Credit Cardholders ("Cardholders") who have received the offer from SBI Cards and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICPSL.
• The Flexipay EMI facility is not available to a delinquent or any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay EMI facility is at the sole and absolute discretion of SBICPSL.
• This offer is valid only for Flexipay EMI bookings between 29^th Dec’22 & 12^th Jan’23, both days inclusive (“Term”). Any booking made after 12^th Jan’23 will not be eligible for Amazon Vouchers.
• As part of the offer, cardholder would be eligible to get an Amazon e-Voucher for Flexipay EMI bookings as per below grid, during the offer “Term”:

  Flexipay booking amount	Tenure	Amazon voucher
  >= INR 30,000	18, 24 or 36 months	INR 750

• Please note that the Amazon e-Vouchers will be shared with the eligible customers within 3 months from the date of booking, on their Registered Mobile Numbers. Please note that any cancelled or foreclosed bookings will not be eligible for the Amazon e-Voucher program.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• For details on Flexipay TnCs, please visit www.sbicard.com/en/tnc.page#terms#flexipay

Amazon voucher T&Cs:

• Amazon Gift Cards ("GCs") are issued by the Qwikcilver Solutions Private limited ("Qwikcilver"). Credit and Debit Cards issued outside India cannot be used to purchase Amazon.in Gift Cards.
• To add your GC to your Amazon Pay balance, visit amazon.in/addgiftcard
• Beneficiary can apply the 14-digit code (under scratch card) on amazon.in/addgiftcard and add the gift card balance in his/her Amazon.in account. This balance gets automatically applied at the time of next purchase. There is no cap on number of gift cards that can be added to an account.
• Amazon Pay balance is a sum of all balances associated with the GCs in your Amazon.in account
• Amazon Pay balance are redeemable across all products on Amazon.in except apps, certain global store products and other Amazon.in gift cards.
• Amazon Pay balance must be used only towards the purchase of eligible products on amazon.in
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• The GCs, including any unused Amazon Pay balance, expire one year from the date of issuance of the GC
• GCs cannot be transferred for value or redeemed for the cash.
• Qwikcilver, Amazon Seller Services Private Limited (Amazon) or their affiliates are not responsible if a GC is lost, stolen, destroyed or used without permission.
• For Complete terms and conditions, see www.amazon.in/giftcardtnc
• Amazon.in logo/trademark is an IP of Amazon or its affiliates and the Qwikcilver trademark/logo is an IP of Qwikcilver.
• To redeem your GC, visit www.amazon.in/addgiftcard
• E-Gift Cards are normally delivered instantly. But sometimes due to system issues, the delivery can be delayed up-to 24 - 48 hours.
• For detailed T&Cs of this E-Gift Card please refer www.woohoo.in/termsandconditions
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• No returns and no refunds on gift cards, e-gift cards and gift vouchers shipped by woohoo.in. Please check the refund policy at http://www.woohoo.in/faq for further details.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions

E-Gift Voucher Sale (Valid from 22nd Dec 2022 to 03rd Jan 2023)

Apply for SBI Card PRIME American Express® Card and get Amazon voucher worth INR 1000

Exclusive Offer for SBI Cardholders on RuPay platform

E-Gift Voucher Sale (Valid from 01st to 10th October 2022)

• This offer is on Flexipay facility and is open only to those SBI Credit Cardholders ("Cardholders") who have received the offer from SBI Cards and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• This offer is valid only for Flexipay bookings from 1st Sep’22 to 30th Nov’22 (“Term”).
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into instalments. More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 18, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• Flexipay bookings made under program period will attract a reducing interest rate of 10.50% p.a. – 20% p.a. Additionally, a processing fee will be charged on the Flexipay amount at the rate of 1% for 3 & 6-month tenures and 2% for all other tenures (maximum Rs. 2000).
• The SBI Credit Cardholder can call up SBICPSL helpline within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com, SBI Card Mobile App, ILA & Whatsapp, during the offer Term.
• Interest Rate Methodology: The interest rate charged for Flexipay is linked to Minimum Benchmark Yield Rate calculated based on the following factors:
  • Marginal Cost of borrowings
  • Cost of Equity
  • Negative Carry cost on LCR (Liquidity Coverage Ratio)
  • Operating expenses
  • Tenor premium/discount

• Appropriate spread will be added over and above the Minimum Benchmark Yield Rate to arrive at the maximum rate chargeable to the customer. This spread will be based on Credit Risk Premium (CRP) and appropriate Business Margin.

  • Interest rate applicable on Flexipay ranges from 10.5% – 20% p.a. Rate range applicable for various segments for Flexipay are as below-
  • Bureau score <=700 - 18% to 20% p.a.
  • Bureau score between 700 and 780 - 13% to 14% p.a.
  • Bureau score > 780 - 10.50% to 12% p.a. Rate of interest for Flexipay will be higher than the Benchmark rate (Minimum Indicative yield).
• At any given month, the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in the last clause in this document.
• Flexipay monthly installment schedule will begin from the SBI Cardholder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the MAD of the Statement of account in the duration of the Flexipay tenure.
• The MAD will be 5% of the SBICPSL Credit Cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly instalment due (or all Flexipay monthly instalments due in case of multiple Flexipays booked by the Cardholder).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. (42% p.a.) for Unsecured card, 2.75% p.m. (33% p.a.) for Secured card and 2.75% p.m. (33% p.a.) for Shaurya card on the unpaid Flexipay monthly installments.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. (42% p.a.) for Unsecured card, 2.75% p.m. (33% p.a.) for Secured card and 2.75% p.m. (33% p.a.) for Shaurya card will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally, it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the “MAD” in full, late payment charges will be levied.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. (42% p.a.) for Unsecured card ,2.75% p.m. (33% p.a.) for Secured card and 2.75% p.m. (33% p.a.) for Shaurya card on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days, whichever is earlier, the Flexipay shall be closed on the 92nd day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the credit card account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the credit card outstanding amount, this Flexipay balance will attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event the outstanding account balance post transfer of loan outstanding, exceeds the existing credit card limit as mentioned in the cardholders’ MITC.
• It is clarified that, if the said retail transaction is paid in full, the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add-on SBI Credit Cardholder. No request from Add-on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked up to Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay instalment payments are made by the SBI Credit Cardholder.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his/her SBI Credit Card account.
• In case customer has opted for an auto debit facility on account, he should convert the eligible transactions into Flexipay before the billing cycle.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20 Nov’20.
• If a cardholder puts a cancellation request within 45 days of Flexipay facility getting booked, then all fees charged will be reversed.
• The SBICPSL Cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principal amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s account is revolving, then the above-mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charge.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay EMI booking will be entertained within 90 days of SBICPSL Cardholder’s flipping / change of card request.
• Transfer from one Flexipay EMI plan to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended, or changed by SBICPSL at its sole option and discretion at any time without notice & without affecting the Flexipay bookings already done.
• SBI Credit Cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

AURUM, SBI Card PRIME & SBI Card ELITE - EazyDiner Offer - Segmented Campaign (15th Aug – 15th Dec 2022) (Offer Details)

Offer: Get an Amazon Pay Gift Card worth Rs. 250 on spending Rs. 2000 within first 60 days of credit card issuance

• The SBI Card Offer (“Offer”) from SBI Cards and Payment Services Ltd. (“SBICPSL”) is open to select residents of India holding a valid and current SBI Credit Card (“Card”) i.e., with no outstanding of more than 30 days (“Cardholder”).
• Offer is valid on total purchase of Rs. 2000 or more done within 60 days of issuing the Card to the Cardholder. Offer is not valid on Cash Withdrawals, Balance Transfer, Balance Transfer on EMI, Encash and Easy Money Draft spends.
• This offer is valid only for SimplySAVE SBI Card (on RuPay platform) issued to the Cardholder from Banca channel with 1st year Joining Fee of Rs. 499 (plus applicable taxes).
• Offer is valid for new Card issuance only and is not applicable for Flipped, Re-Issued, Replaced and Renewed Cards.
• The Amazon Pay Gift Card worth Rs. 250 will be fulfilled to the eligible Cardholder within 60 days of achieving eligibility. The mode of fulfillment shall be E-mail and SMS.
• Cardholder to ensure that the registered mobile number is not on NCPR (National Customer Preference Register ) list to receive the PIN for redeeming the Amazon Pay Gift Card.
• Cardholder to ensure and update latest mobile number and email ID to receive periodic communication related to this offer. SBICPSL shall not be responsible for non-communication of the PIN code in case the eligible Cardholder does not have a valid registered mobile number and/or email address with SBICPSL.
• Offer is valid for all SimplySAVE SBI Card accounts (on RuPay platform) opened via Banca channel from 11th Aug – 31st Dec 2022 (both dates inclusive).
• The Amazon Pay Gift Card will be given only to the Cardholders who are eligible as part of this program. All decisions of SBICPSL about eligibility of Cardholders for benefits under this Program are final, absolute and binding on all Cardholders.
• In case of any query regarding offer fulfilment, please contact SBI Card Helpline (18601801290 / 39020202- prefix local STD Code) within 90 days from the date of fulfillment. No queries regarding offer fulfillment will be entertained by SBICPSL post this period.
• This is a stand-alone Offer and the benefits offered under this Offer cannot be clubbed together and/or in any way be cumulated with any other offer of SBICPSL in any manner, or form.
• Any disputes arising out of this Offer shall be subject to arbitration under the Indian Arbitration and Conciliation Act, 1996 including any statutory amendments carried thereof. Arbitration shall be conducted by a sole arbitrator appointed by SBICPSL for this purpose and the award of the arbitrator shall be final and binding on the cardholder and SBICPSL. The place of arbitration shall be New Delhi and the language of arbitration shall be English. Existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• Cardholders are not bound in any way to participate in the Offer. Any such participation is voluntary and the same is being made purely on a “best effort basis”.
• The usage of the Amazon Pay Gift Card code shall be governed by the Terms & Conditions as laid down by Amazon in the succeeding sections.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

Amazon Pay Gift Card – Terms & Conditions

• Cardholder will receive a link and a 4-digit PIN via SMS and Email. Customer to visit the link and enter the 4-digit PIN to view the Voucher Number. To add your Gift Card to your Amazon Pay balance, visit amazon.in/addgiftcard . This balance gets automatically applied at the time of next purchase. There is no cap on number of E- Gift voucher that can be added to an account. Amazon Pay balance is a sum of all balances associated with the E- Gift voucher in your Amazon.in account.
• Amazon Pay balance are redeemable across all products on Amazon.in except apps, certain global store products and other Amazon.in E- Gift voucher
• Amazon Pay balance must be used only towards the purchase of eligible products on amazon.in
• The E- Gift voucher, including any unused Amazon Pay balance, expire one year from the date of issuance of the E- Gift voucher.
• E- Gift voucher cannot be transferred for value or redeemed for cash.
• For detailed terms and conditions, visit www.amazon.in/giftcardtnc
• To redeem your Gift Card, visit www.amazon.in/addgiftcard
• Responsibility of Accentiv shall be limited only upto the delivery of Gift Card/e-Gift Voucher Code to the final customer.
• Accentiv shall not be responsible for any misuse, theft, transfer, etc. occurred after delivery of the said Gift Card/e-Gift Voucher.

SPRINT – Instant Card Issuance – SimplyClick SBI Card - First Year Free Offer

• Rates of Interest: 20% p.a. for all tenures (3, 6, 9, 12, 24 & 36 months)
• 100% Processing Fee waiver for 3, 6, 9 and 12-month tenures.
• Offer validity: July 2022

1. This offer is on Flexipay facility and is open only to those SBI Credit Cardholders ("Cardholders") who have received the offer from SBI Cards and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
2. The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
3. The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
4. This offer is valid only for Flexipay bookings in July 2022 (“Term”).
5. Flexipay bookings made under program period will attract an interest rate of 20% p.a. for all tenures. The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
6. As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings with an EMI tenure of 3, 6, 9 or 12 months, during the offer “Term”.
7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into instalments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
8. More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit Cardholder can call up SBICPSL helpline within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
9. Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
10. This offer on Flexipay is valid in July 2022 (“Term”). Any bookings made after Jul’22 will attract an interest rate of 20% p.a., and a processing fee of 2% subject to a minimum of Rs. 249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
11. The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
12. At any given month, the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No. 39.
13. For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. (42% p.a.) will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally, it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
14. In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
15. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add-on SBI Credit Cardholder. No request from Add-on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
16. The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
17. It is stipulated, if the SBI Credit Cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. (42% p.a.) on his revolving balance till the time the transfer to Flexipay takes place within the Term defined hereinabove.
18. Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked up to Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay instalment payments are made by the SBI Credit Cardholder.
19. An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his/her SBI Credit Card account.
20. Flexipay monthly instalment schedule will begin from the SBICPSL Credit Cardholder’s next billing statement and continue over the Flexipay tenure. The Flexipay monthly instalment(s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
21. The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20 Nov’20.
22. The MAD will be 5% of the SBICPSL Credit Cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly instalment due (or all Flexipay monthly instalments due in case of multiple Flexipays booked by the Cardholder).
23. Non-Payment or Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. (42% p.a.) on the unpaid Flexipay monthly instalments.
24. In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days, whichever is earlier, the Flexipay shall be closed on the 92nd day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the credit card account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the credit card outstanding amount, this Flexipay balance will attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event the outstanding account balance post transfer of loan outstanding, exceeds the existing credit card limit as mentioned in the cardholders’ MITC.
25. If a cardholder puts a cancellation request within 45 days of Flexipay facility getting booked, then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable.
26. The SBICPSL Cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principal amount is calculated basis reducing interest rate.
27. At the time of cancellation of Flexipay, if the SBICPSL cardholder’s account is revolving, then the above-mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charge.
28. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
29. Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
30. No request for Flexipay EMI booking will be entertained within 90 days of SBICPSL Cardholder’s flipping / change of card request.
31. Transfer from one Flexipay EMI plan to another will not be entertained.
32. The terms and conditions of Flexipay bookings may be altered, amended, or changed by SBICPSL at its sole option and discretion at any time without notice & without affecting the Flexipay bookings already done.
33. SBI Credit Cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
34. "Applicable Taxes" means:
    • For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
    • For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
35. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
36. These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
37. Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
38. SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
39. Illustrative example of amortization schedule:
    

    Sr. No.	Billing Date	Installment	Principal	Interest	Balance	Taxes (#)
    1	01-Apr-22	893.17	784.84	108.33	9,215.16	19.50
    2	01-May-22	893.17	793.34	99.83	8,421.82	17.97
    3	01-Jun-22	893.17	801.93	91.24	7,619.89	16.42
    4	01-Jul-22	893.17	810.62	82.55	6,809.27	14.86
    5	01-Aug-22	893.17	819.40	73.77	5,989.87	13.28
    6	01-Sep-22	893.17	828.28	64.89	5,161.59	11.68
    7	01-Oct-22	893.17	837.25	55.92	4,324.34	10.07
    8	01-Nov-22	893.17	846.32	46.85	3,478.02	8.43
    9	01-Dec-22	893.17	855.49	37.68	2,622.53	6.78
    10	01-Jan-23	893.17	864.76	28.41	1,757.77	5.11
    11	01-Feb-23	893.17	874.13	19.04	883.64	3.43
    12	01-Mar-23	893.17	883.60	9.57	0.04	1.72

    
    
    

    Principal (INR)	10000
    Installment (INR)	893.17
    Interest Rate p.a.	13.00%
    Tenure (months)	12

SBI Card ELITE - SonyLiv Offer - Segmented Campaign

Myntra EORS Offer for Visa cardholders June 2022

Lower Rates of Interest | 3, 6, 9 and 12 months: 12% p.a. | 24 and 36 months: 13% p.a.

100% Processing Fee waiver for bookings >= Rs. 30,000 & EMI tenure >= 12 months

Offer validity:01 Apr’22 – 15 Jun’22 (Both days inclusive)

• This offer is on Flexipay facility and is open only to those SBI Credit Cardholders ("Cardholders") who have received the offer from SBI Cards and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer is valid only for Flexipay bookings between 01 Apr’22 to 15 Jun’22, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate (corresponding to the tenure of the Flexipay EMI) of:
  • 3, 6 9 & 12 months: 12% p.a.
  • 24 and 36 months: 13% p.a.
• The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 30,000/- and EMI tenure greater than or equal to 12 months, during the offer “Term”.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into instalments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit Cardholder can call up SBICPSL helpline within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code)  within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 01 Apr’22 to 15 Jun’22, both days inclusive (“Term”). Any bookings made after 15 Jun’22 will attract an interest rate of 20% p.a., and a processing fee of 2% subject to a minimum of Rs. 249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month, the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally, it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full, the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add-on SBI Credit Cardholder. No request from Add-on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI Credit Cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked up to Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay instalment payments are made by the SBI Credit Cardholder.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his/her SBI Credit Card account.
• Flexipay monthly instalment schedule will begin from the SBICPSL Credit Cardholder’s next billing statement and continue over the Flexipay tenure. The Flexipay monthly instalment(s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20 Nov’20.
• The MAD will be 5% of the SBICPSL Credit Cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly instalment due (or all Flexipay monthly instalments due in case of multiple Flexipays booked by the Cardholder).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly instalments.
• Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly instalments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days, whichever is earlier, the Flexipay shall be closed on the 92nd day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the credit card account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the credit card outstanding amount, this Flexipay balance will attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event the outstanding account balance post transfer of loan outstanding, exceeds the existing credit card limit as mentioned in the cardholders’ MITC.
• If a cardholder puts a cancellation request within 45 days of Flexipay facility getting booked, then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable.
• The SBICPSL Cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principal amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s account is revolving, then the above-mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charge.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay EMI booking will be entertained within 90 days of SBICPSL Cardholder’s flipping / change of card request.
• Transfer from one Flexipay EMI plan to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended, or changed by SBICPSL at its sole option and discretion at any time without notice & without affecting the Flexipay bookings already done.
• SBI Credit Cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
• For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Please Click Here for the Guide

• Lower Rates of interest | 3, 6 and 9 months: 12% p.a. | 12 months: 13% p.a. | 24 and 36 months: 14.25% p.a.
• 100% Processing Fee waiver for bookings >= Rs. 25,000 & EMI tenure >= 9 months
• Offer valid b/w 24 Jan’22 – 24 Mar’22 (Both days inclusive)
• This offer is on Flexipay facility and is open only to those SBI Credit Cardholders ("Cardholders") who have received the offer from SBI Cards and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer is valid only for Flexipay bookings between 24 Jan’22 to 24 Mar’22, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate (corresponding to the tenure of the Flexipay EMI) of:
  • 3, 6 and 9 months: 12% p.a.
  • 12 months: 13% p.a.
  • 24 and 36 months: 14.25% p.a.
• The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 25,000/- and EMI tenure greater than or equal to 9 months, during the offer “Term”.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into instalments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit Cardholder can call up SBICPSL helpline within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 24 Jan’22 to 24 Mar’22, both days inclusive (“Term”). Any bookings made after 24 Mar’22 will attract an interest rate of 20% p.a., and a processing fee of 2% subject to a minimum of Rs. 249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month, the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally, it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full, the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add-on SBI Credit Cardholder. No request from Add-on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI Credit Cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked up to Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay instalment payments are made by the SBI Credit Cardholder.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his/her SBI Credit Card account.
• Flexipay monthly instalment schedule will begin from the SBICPSL Credit Cardholder’s next billing statement and continue over the Flexipay tenure. The Flexipay monthly instalment(s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20 Nov’20.
• The MAD will be 5% of the SBICPSL Credit Cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly instalment due (or all Flexipay monthly instalments due in case of multiple Flexipays booked by the Cardholder).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly instalments.
• Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly instalments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days, whichever is earlier, the Flexipay shall be closed on the 92nd day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the credit card account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the credit card outstanding amount, this Flexipay balance will attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event the outstanding account balance post transfer of loan outstanding, exceeds the existing credit card limit as mentioned in the cardholders’ MITC.
• In the event that a cardholder puts a cancellation request within 45 days of Flexipay facility getting booked, then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable.
• The SBICPSL Cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s account is revolving, then the above-mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay EMI booking will be entertained within 90 days of SBICPSL Cardholder’s flipping / change of card request.
• Transfer from one Flexipay EMI plan to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI Credit Cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:
• Amortization Schedule:

Please Click Here for Terms and Conditions

Please Click Here for Terms and Conditions

Please Click Here for Terms and Conditions

• Lower Rate of interests | 3, 6 and 9 months: 12% p.a. | 12 months: 13 % p.a. | 24 and 36 months: 14.25% p.a.
• 100% Processing Fee waiver for bookings >= Rs. 25,000 & EMI tenure >= 9 months
• Offer valid b/w 18th Oct’21 – 31st Dec 2021 (Both days inclusive)
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBI Cards and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer is valid only for Flexipay bookings between 1st Sep 2021 to 30th Sep 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate (corresponding to the tenure of the Flexipay EMI) of:
  • 3, 6 and 9 months: 12% p.a.
  • 12 months: 13% p.a.
  • 24 and 36 months: 14.25% p.a.
• The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 25,000/- and EMI tenure greater than or equal to 9 months, during the offer “Term”.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit cardholder can call up SBICPSL helpline within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 18th Oct 2021 to 31st Dec 2021, both days inclusive (“Term”). Any bookings made after 31st Dec 2021 will attract an interest rate of 20% p.a., and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month, the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally, it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full, the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Cardholder. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL Credit cardholder’s next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment(s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL Credit cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
• Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days, whichever is earlier, the Flexipay shall be closed on the 92nd day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Outstanding Amount, this Flexipay balance will attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event the outstanding account balance post transfer of loan outstanding, exceeds the existing Credit Card limit as mentioned in the cardholders’ MITC.
• In the event that a cardholder puts a cancellation request within 45 days of Flexipay facility getting booked, then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s account is revolving, then the above-mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSL cardholder’s flipping / change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
• For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule:

Please Click Here for Terms and Conditions

Please Click Here for Terms and Conditions

• This Encash Offer ("Offer") is made by SBI Cards & Payment Services Ltd. ("SBICPSL") to certain SBI Credit Cardholders eligible for Encash. The intended recipients shall receive the Offer through appropriate medium as chosen by SBICPSL. By availing this Offer and benefits accruing thereto, the Cardholder explicitly agrees to be bound by all the terms and conditions herein.
• The Amazon voucher Offer is valid on Encash booking done between 10th Sep. 2021 to 9th Oct. 2021 (both days inclusive).
• This offer is on Encash facility and is open only to selective SBI Credit Cardholders ("Cardholders") who have received the offer from SBI Cards & Payment Services Ltd. ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Encash facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020212 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com. / Mobile app .
• This offer on Encash is valid only for bookings between 10th Sep. 2021 to 9th Oct. 2021, both days inclusive (“Term”).
• As a part of the offer, cardholder would be eligible to get an Amazon e-voucher for Encash bookings as per below grid,

• Customer will be eligible for only one voucher during the offer period for Encash booking basis the above defined slabs .
• Please note that the eligible customers will receive the Amazon e-Vouchers by 5th Dec 2021 ( Fulfillment date has been revised from 30th Nov 2021 due to a technical issue) on their registered mobile numbers. In case of booking cancellations cardholder will not be eligible for the Amazon e-Voucher.
• This Offer carries a rate of interest which shall be charged to the Cardholder on the offered principal amount and is used for calculating all his financial obligations under this Offer and the same shall be the basis of drawing the appropriate amortization Schedule enumerated under Clause 35 herein below. In addition, the Cardholder shall also be charged a one-time Processing fee at the rate of 1.5% of the principal amount advanced but subject to a minimum amount of Rs.499 (Four Hundred and Ninety Nine only).
• The one-time processing fee of 2% on the booking amount, up to a minimum of Rs. 499 and a maximum of Rs. 3,000 will be applicable on all pre-existing Encash offers (prior to 05 Sep 2021), till offer expiry, as communicated to the cardholder.
• The Rate of Interest applicable for Encash facility is cardmember specific as decided by SBI Cards at its sole discretion and intimated to the cardmember prior to availing the facility.
• Interest rate applicable on Encash facility ranges from 12% – 24% p.a. .
• Interest Rate Methodology
• The interest rate charged for Encash is linked to benchmark rate calculated based on the following factors:
• Expected Cost of Funds
• Expected Credit Risk Premium
• Operating Expenses
• Desired business margins
• Tenure Premium/Discount
• Competition Rates
• Rate of interest for Encash will be higher than the Benchmark rate (Minimum Indicative yield).
• The Rate of Interest applicable for Encash facility is cardmember specific as decided by SBI Cards at its sole discretion and intimated to the cardmember prior to availing the facility.
• Changes in factors mentioned above may result in upward or downward revision of the interest applicable on the Encash facility from time to time / from offer to offer at the sole discretion of SBI Cards. All fees / charges applicable to the facility may or may not be dynamic and are subject to modifications based on SBI Cards periodic internal review
• This Offer is also subject to a maximum limit on the amount that may be availed by the Cardholder. The limit on the Offer can either be over and above the existing credit limit or from within the existing credit limit of SBI Card. In all events when an Encash is offered over and above the credit limit, the maximum limit shall be contained and communicated by way of the proposed communication medium as made applicable by SBICPSL to the intended recipient. . In all events when an Encash is offered from the credit limit, the amount offered will be part of the existing credit limit and the credit limit shall be blocked upto Principal availed + Interest component. On payment of the monthly repayment amount, the Credit limit to the extent of monthly repayment amount will be credited back to the existing credit limit. It is clarified that the maximum amount offered will be subject to the available credit limit on the Card at the time of availing the Offer. This Offer (both in case of over the existing limit or within the existing limit) is subject to a minimum request for an amount of Rs. 10,000 (Ten Thousand Only)
• SBI cardholders can avail the benefits under this Offer by requesting for a cheque which would be send to the cardholder’s registered address.
• The monthly repayment amount is calculated as (Principal Amount + Interest charge) / Tenure in months. The interest charged is the reducing rate of interest and accordingly at any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on a reducing principal balance.
• The monthly repayment schedule will begin from the SBI Cardholder next billing statement and continue over the tenure period chosen for the Offer.
• The Minimum Amount Due (MAD) will be 5% of the SBI Cardholders existing revolving balances (Retail/Cash/Balance Transfer) and the monthly repayment amount due under the Offer (or all monthly repayment amounts due in case of multiple Offers).
• Non-Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5%p.m. for Unsecured card ,2.75% p.m. for Secured card and 2.5% p.m. for Shaurya card on the unpaid monthly repayment amounts.
• Under Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5% p.m. for Unsecured card ,2.75% p.m. for Secured card and 2.5% p.m. for Shaurya card on the unpaid monthly repayment amounts.
• In the event of non-payment / short payment of the Minimum Amount Due for more than three successive months or 90 days whichever is earlier, the Encash facility shall be closed/withdrawn on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBI Card shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event the account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• The SBI Cardholder is supposed to pay the MAD in full to avoid getting delinquent.
• The SBI cardholder may place a request for voluntarily pre-closing the Encash Offer prior to the maturity of the tenure period opted for, by calling the SBI Card Helpline or through our website. A foreclosure fee amounting to 3% of the Principal outstanding would be levied for such pre-closure requests. The Principal outstanding is calculated basis interest rate as applicable.
• In the event a cardholder puts a cancellation request by calling SBI Card helpline within 45 days of the Offer being booked, then all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be reversed once the cheque issued to the cardholder has been cleared and resulted in clear credit to the Cardholder account. Also, in case the cancellation request is received at the SBI Card helpline post 45 days of booking, the processing fees charged will not be reversed and the cardholder would be liable to pay same.
• No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.
• Transfer from this Offer to any other offer will not be entertained. SBICPSL reserves its absolute right at any time to add, alter, modify or change or vary terms and conditions herein after giving due notice to the Cardholder.
• Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.
• "Applicable Taxes" means:
• for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• All and any disputes or differences arising from the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. Proceeding of arbitration shall be conducted as per the provisions of Indian Arbitration and Conciliation Act, 1996 and amendment thereof.. The award passed by the arbitrator shall be final and binding on the disputing parties. The place of arbitration shall be New Delhi and the language of arbitration shall be English. Existence of a dispute, if any, shall not constitute a claim against SBICPSL
• By availing this Offer and by conducting a financial transaction (encashing the Encash Cheque), and/or by booking the Offer on phone, the Cardholder provides consent and acceptance to all terms and conditions herein including for sharing of all personal, transactional and other related information for the purpose of this Offer.
• No request from Add-on being additional SBI Cardholder other than primary Cardholder will be entertained for booking of Offer or availing benefits under this offer.
• SBICPSL may at its sole option and discretion withdraw this Offer any time before the Encash cheque has been honored/banked.
• The cardholder would generally receive the cheque within 3 working days (for Metro locations) or 5 days (for all other locations) of the booking. This may, however, vary in case of unforeseen circumstances like bad weather conditions / flight delays / location or pin code being non-serviceable by the courier. Delays in delivery of the cheque may also occur in the event of customer has not updated his current address in the records of SBI Card or in circumstances where the customer is not available at his current address. SBI Card would not be held liable in the event of non-delivery of the instrument within the specified timeline for the foregoing set of reasons.
• Disbursement through NEFT (National Electronic Fund Transfer) to Bank account to the account (as provided by the cardholder) will be subject to successful processing at beneficiary banks.
• Cardholder intending to cancel Encash request via NEFT can do so by calling our helpline number on the same day, before 8 PM, of booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel Encash request or refuse to accept disbursement of funds any day after the day on which the request for Encash has been made.
• Cardholder agrees to comply with the terms and conditions of the Encash facility as mentioned on SBI Card website. SBI Card will not be responsible for any loss incurred by the Cardholder because of any incorrect information provided by the Cardholder with respect to NEFT or the account details shared by cardholder details. A request for Encash shall be deemed as an absolute consent of/by the Cardholder to accept all the terms of Encash, including but not always limited to an acceptance of these Terms and Conditions and agreement to be bound by these. The Cardholder hereby agrees that upon the amounts being credited to the account details shared by cardholder , he/she shall be required to repay the Encash amount along with the interest, processing fee and applicable taxes as per the amortization schedule.
• In the event of any return of funds/reject of NEFT from the account details shared by cardholder , the cheque (for the requested amount) will be dispatched at customer’s registered address automatically.
• Encash amount would be directly transferred to customer’s saving bank account within 48 - 72hours (excluding Bank Holidays) of the request.
• The Cardholder hereby agrees to avail the Encash facility on the precondition that he will not use the Encash facility, or the amount dispersed under Encash, or any part thereof, towards investments in capital markets and Jewelry purchases.
• Illustrative example of amortization schedule:

• The above is an Illustrative example of amortization schedule and the actual amortization schedule will be part of the sanction letter issued to the Cardholder.
  • * MRA (Monthly Repayment Amount) Billing Date is the monthly statement date. For payment due date please refer your monthly statement
  • $ MRA Excluding Applicable Taxes
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

Amazon Vouchers T&C -

• Amazon Gift Cards ("GCs") are issued by the Qwikcilver Solutions Private limited.
• To add your GC to your AmazonPay balance, visit www.amazon.in/addgiftcard
• Beneficiary can apply the 14-digit code (under scratch card) on amazon.in/add gift card and add the gift card balance in his/her Amazon.in account. This balance gets automatically applied at the time of next purchase. There is no cap on number of gift cards that can be added to an account.
• Amazon Pay balance is a sum of all balances associated with the GCs in your Amazon.in account
• Amazon Pay balance are redeemable across all products on Amazon.in except apps, certain global store products and other Amazon.in gift cards.
• Amazon Pay balance must be used only towards the purchase of eligible products on amazon.in
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• The GCs, including any unused Amazon Pay balance, expire one year from the date of issuance of the GC
• GCs cannot be transferred for value or redeemed for the cash.
• Qwikcilver, Amazon Seller Services Private Limited (Amazon) or their affiliates are not responsible if a GC is lost, stolen, destroyed or used without permission.
• For Complete terms and conditions, see www.amazon.in/giftcardtnc
• Amazon.in logo/trademark is an IP of Amazon or its affiliates and the Qwikcilver trademark/logo is an IP of Qwikcilver.
• To redeem your GC, visit www.amazon.in/addgiftcard
• E-Gift Cards are normally delivered instantly. But sometimes due to system issues, the delivery can be delayed up-to 24 - 48 hours.
• For detailed T&Cs of this E-Gift Card please refer www.woohoo.in/termsandconditions
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• No returns and no refunds on gift cards, e-gift cards and gift vouchers shipped by woohoo.in. Please check the refund policy at http://www.woohoo.in/faq for further details.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions

Lower Rate of interests | 3, 6 and 9 months: 12% p.a. | 12 months: 13.25% p.a. | 24 and 36 months: 14.25% p.a.

100% Processing Fee waiver for bookings >= Rs. 25,000

Offer valid b/w 14th July – 2nd Aug 2021 (Both days inclusive)

• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer is valid only for Flexipay bookings between 14th July to 2nd Aug 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate (corresponding to the tenure of the Flexipay EMI) of:
  • 3, 6 and 9 months: 12% p.a.
  • 12 months: 13.25% p.a.
  • 24 and 36 months: 14.25% p.a.

The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.

• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 25,000/- during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit cardholder can call up SBICPSL helpline within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 14th July 2021 to 2nd Aug 2021, both days inclusive (“Term”). Any bookings made after 2nd Aug 2021 will attract an interest rate of 22% p.a., and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month, the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally, it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full, the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder’s next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment(s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL holder’s existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
• Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days, whichever is earlier, the Flexipay shall be closed on the 92nd day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding, if any, exceeds the existing Credit Card limit as mentioned in the cardholders’ MITC.
• In the event that a cardholder puts a cancellation request within 45 days of Flexipay facility getting booked, then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s account is revolving, then the above-mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSL cardholder’s flipping / change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule:

Exclusive offer for customers availing New Additional SBI Credit Card - Terms & Conditions

• The Terms and Conditions for this offer are to be read in conjunction with the Terms and Conditions for “Get New Card” placed at https://www.sbicard.com/en/tnc.page
• This offer is open exclusively to select cardholders of SBICPSL who have been issued a new additional SBI Credit Card (hereinafter referred to as New Additional Card) in response to the offer rolled out to such select cardholders and communicated via SMS/E-mail.
• Cardholders are not bound in any way to participate in the offer. Any such participation is voluntary and the same is being made available purely on a 'best effort basis'.
• This offer will be valid only for select customers who are onboarded with a New Additional Card with effect from 04 June 2021 subject to their receiving a specific offer related communication via SMS/E-mail.
• This is a limited period offer and will be valid for New Additional Card issued until 31 March 2024 or till the date as mentioned in the offer communication sent to the cardholder via SMS/E-mail, whichever is earlier.
• This offer shall vary according to the card opted by and issued to the customer as per the following table:

Note: the above offerings are over and above the welcome gift, as applicable for the respective cards.

• To be eligible for offer fulfillment, it is mandatory that the cardholder has paid the applicable annual fee in full by the card payment due date.
• The offer shall be fulfilled within 45 days of receipt of payment of the card annual fee of the New Additional Card.
• The mode of fulfilment will be SMS/E-mail and the cardholder shall be communicated at his/her Registered Mobile Number and E-mail ID.
• It will be the cardholder’s responsibility to ensure that the latest and valid mobile number and E-mail ID are updated in the records of SBICPSL to enable fulfilment of the offer.
• In case of any query regarding offer fulfilment, please contact SBI Card Helpline (18601801290 / 39020202- prefix local STD Code) within 90 days from the date of fulfillment. No queries regarding offer fulfillment will be entertained by SBICPSL post this period.
• The usage of the Amazon Pay Gift Card code shall be governed by the Terms & Conditions as laid down by Amazon in the succeeding sections.
• Offering the above benefits to customers in exception to the qualifying criteria will be at the sole discretion of SBICPSL.
• SBICPSL reserves the right to cancel, modify or withdraw the offer & alter offer terms & conditions as its sole discretion without prior notice. SBICPSL reserves the right to being the final decision maker regarding the offer.
• SBICPSL neither endorses, nor recommends the quality, merchantability, fitness for a particular purpose(s), after sale services, warranties etc., of the products and/or services being made available under this offer.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• The T&C’s will be governed by the laws of India & shall be subject to exclusive jurisdiction of the Delhi Courts. Any disputes arising out of these T&C’s shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The venue & seat of arbitration shall be at New Delhi and language of arbitration shall be English.

Amazon Pay Gift Card – Terms & Conditions

• These Terms and Conditions are to be read in conjunction with the T&Cs for “Exclusive offer for customers availing New Additional SBI Credit Card” as mentioned above.
• Amazon Pay Gift Cards (hereinafter GC) are issued by Qwikcilver Solutions Private Limited (“Qwikcilver”)
• GC may be used only for the purchase of eligible products on Amazon.in
• GC must be used within the validity period.
• GC cannot be transferred for value or redeemed for cash.
• Qwikcilver, Amazon or their affiliates are not responsible if GCs are lost, stolen, destroyed, or used without permission
• To redeem your GC, visit www.amazon.in/addgiftcard. For complete Terms and Conditions, visit www.amazon.in/giftcardtnc.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• In case of any dispute relating to these terms and conditions, the decision of SBICPSL shall be final and binding.
• SBICPSL reserves the right to modify or change any of these terms and conditions at its sole discretion without prior notice.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.

New Additional SBI Credit Card - TERMS & CONDITIONS

• I and the additional cardholder(s) agree unconditionally to be bound by the terms and conditions of the cardholder agreement accompanying each SBI Credit Card.
• I accept the fee structure mentioned under the Most Important Terms and Conditions placed at https://www.sbicard.com/en/most-important-terms-and-conditions.page. I understand that the Annual fee shall be required to be paid by me on receiving the first statement of account. I further understand that starting from the second year, renewal fee, if applicable, will be paid by me every year and shall be billed to me in the statement of account.
• I agree that the credit limit split between the new card and existing card, as exercised by me on the website shall be final and no further changes shall be raised by me to SBICPSL in this regard.
• In case the new additional card is to be issued to a new address, I agree to provide within four (4) days of submission of application, the requisite address proof as per the list of acceptable documents for address change. I accept that my application for new additional card will be processed further only after the receipt of valid address proofs and change of address in records of SBI Cards & Payment Services Limited (SBICPSL) basis the documents submitted. (Please refer https://www.sbicard.com/ADClist for the list of acceptable documents for address change)
• I further agree and accept that the in event of non-submission of valid address proofs within the stipulated time, SBICPSL reserves the right to decline my application for new additional card.
• I will be liable for all charges incurred on the primary credit card and all additional cards issued and each additional Cardholder will be liable for all charges incurred on all such credit cards jointly and severally with me.
• I agree that charge slip or a payment requisition or requisition or an electronic record resulting from or generated by the use of the card will amount to an unconditional undertaking by me to pay SBICPSL the amount stated therein and agree that a copy of my periodic billing statement sent to me by post or E-mail, at the E-mail ID provided by me will be final and conclusive evidence of my liability for the charges stated therein.
• I, authorize sharing of any of my information for purposes such as marketing and offering of various products and services of SBICPSL or any of the product(s) of its Group Companies, subsidiaries, affiliates, associates of co-brand partner.
• I, also authorize SBICPSL to send me SMS alerts on marketing / account related information on my mobile phone number. All documents submitted in support of the application shall become the sole and absolute property of SBICPSL and shall be treated in accordance with all applicable Laws and Rules established in India.
• I am fully aware and understand the regulations governing the use of the card outside India and my obligations under the applicable exchange control / management regulations and guidelines issued by Reserve Bank of India / applicable authority from time-to-time.
• I undertake that my and additional cardholder(s) use of the card shall be in strict compliance with applicable exchange control / management regulations, else the card may be cancelled at the instance of RBI and / or SBICPSL in the event I or the additional cardholder(s) are not in compliance with the usage restriction, foreign exchange entitlements and other applicable regulations. I/We shall bring the same to the notice of SBICPSL in writing forthwith. I accord the above consent notwithstanding the issuance / non-issuance maturity of the card(s) or its discontinuance by me.
• I/We hereby unconditionally agree that SBICPSL may in its discretion consider to use the information supplied by me/us on the application form and sell insurance to me/us at their sole discretion, even in the event of me/us not having been issued the card.
• I shall contact the SBI Credit Card Helpline in case I have any doubts / clarifications.
• I further give specific consent to block and deactivate any of my credit cards and its aligned accounts in all circumstances where at any instance I commit default in timely payments of my outstanding on any of such credit cards issued by SBICPSL to me.
• I understand that I will be issued a new SBI Credit Card from SBICPSL portfolio at the absolute and sole discretion of SBICPSL to which I hereby give my full and free consent and I further undertake that subsequently I shall not raise any demure, protest and/or contest with regard to any matter connected therewith. I confirm that I have been duly communicated and I have fully understood all accompanying terms and conditions of SBI Credit Card.
• I acknowledge that in case auto-debit is enabled on my existing (old) SBI Credit Card, the same will not be automatically enabled on the new SBI Credit Card availed through this process.
• In all events of payments not being paid by the due date, SBICPSL reserves the right to carry out follow ups by means of personal visits, post, fax, telephone, E-mail, SMS and/or engaging third party to remind, follow-up and collect due payments in any manner deemed fit by SBICPSL keeping the intent in view.
• In all events where SBICPSL or its authorized representatives are unable to contact me, SBICPSL shall be at liberty to leave payment due messages with any third parties which may include without restriction my spouse, parents, other family members, secretary, accountant etc, who may be available at my residence or office or mobile number/registered Landline number.
• This is without prejudice to other rights of SBICPSL to collect outstanding dues to be exercised in accordance with law. I hereby confirm that I would be the beneficial owner of the SBI Credit Card as understood in the normal business parlance and in accordance with existing regulations. I hereby undertake to comply with all directives from SBICPSL in my capacity as the beneficial owner of the SBI Credit Card, if and when such credit card is issued by SBICPSL to me based upon approval of my SBI Credit Card application.
• I have read and understood all SBICPSL policies regarding data privacy and security procedures published on its web site www.sbicard.com and acknowledge all its content.
• I understand that SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• I understand that in case of any dispute relating to these terms and conditions, the decision of SBICPSL shall be final and binding.
• I understand that SBICPSL reserves the right to modify or change any of these terms and conditions at its sole discretion without prior notice.
• I understand that these terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.

• This Encash Offer ("Offer") is made by SBI Cards & Payment Services Ltd ("SBICPSL") to certain SBI Credit Cardholders ("Cardholders") eligible for Encash. The intended recipients shall receive the Offer through appropriate medium as chosen by SBICPSL. By availing this Offer and benefits accruing thereto, the Cardholder explicitly agrees to be bound by all the terms and conditions herein
• The Amazon e-Voucher Offer is valid on Encash booking done between 25 May 2021 – 3 June 2021 (both days inclusive).
• This Offer is on Encash facility and is open only to selective Cardholders who have received the offer from SBICPSL through an appropriate communication medium decided by SBICSPL.
• The Encash facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020212 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com / Mobile app / ILA
• This offer on Encash is valid only for bookings between 25 May 2021 – 3 June 2021, both days inclusive (“Term”).
• As a part of the offer, cardholder would be eligible to get an Amazon e-Voucher worth of Rs. 1,500 for Encash bookings amount of Rs.2 lac and above .
• Customer selecting NEFT as payment mode will be only eligible for Amazon e-Voucher .
• Customer must book 100% of Encash eligible amount to get Amazon e-Voucher .
• Customer will be eligible for only one voucher during the offer period for Encash booking basis the above defined criteria .
• Please note that the eligible customers will be shared the Amazon e-Vouchers by 30 June 2021 on their Registered Mobile Numbers. Please note that any cancellations will not be eligible for the Amazon e-Voucher program.
• This Offer carries a rate of interest which shall be charged to the Cardholder on the offered principal amount and is used for calculating all his financial obligations under this Offer and the same shall be the basis of drawing the appropriate amortization Schedule enumerated under Clause 31 herein below. In addition, the Cardholder shall also be charged a Processing fee at the rate of 2% of the principal amount advanced but subject to a minimum amount of Rs.499 (Four Hundred and Ninety-Nine only) and a maximum of Rs. 3,000 (Three Thousand Only)
• The cost of funds and other operational costs for the business also determine the rate of interest. Interest rate applicable on Encash facility ranges from 12% – 29%.
• The Rate of Interest applicable for Encash facility is cardmember specific as decided by SBI Card at its sole discretion and intimated to the cardmember prior to availing the facility. The rate of interest offered to a customer is determined by factors such as, but not limited to:
  • Past transaction / repayment behavior of the customer
  • Credit risk profile
• Changes in factors mentioned above may result in upward or downward revision of the interest applicable on the Encash facility from time to time / from offer to offer at the sole discretion of SBI Cards. All fees / charges applicable to the facility may or may not be dynamic and are subject to modifications based on SBI Cards periodic internal review
• This Offer is also subject to a maximum limit on the amount that may be availed by the Cardholder. The limit on the Offer can either be over and above the existing credit limit or from within the existing credit limit of SBI Card. In all events when an Encash is offered over and above the credit limit, the maximum limit shall be contained and communicated by way of the proposed communication medium as made applicable by SBICPSL to the intended recipient. . In all events when an Encash is offered from the credit limit, the amount offered will be part of the existing credit limit and the credit limit shall be blocked up to Principal availed + Interest component. On payment of the monthly repayment amount, the Credit limit to the extent of monthly repayment amount will be credited back to the existing credit limit. It is clarified that the maximum amount offered will be subject to the available credit limit on the Card at the time of availing the Offer. This Offer (both in case of over the existing limit or within the existing limit) is subject to a minimum request for an amount of Rs. 10,000 (Ten Thousand Only)
• SBI Cardholders can avail the benefits under this Offer by requesting for a cheque which would be send to the cardholder’s registered address.
• The monthly repayment amount is calculated as (Principal Amount + Interest charge) / Tenure in months. The interest charged is the reducing rate of interest and accordingly at any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on a reducing principal balance.
• The monthly repayment schedule will begin from the SBI Cardholder next billing statement and continue over the tenure period chosen for the Offer.
• The Minimum Amount Due (MAD) will be 5% of the SBI Cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and the monthly repayment amount due under the Offer (or all monthly repayment amounts due in case of multiple Offers).
• Non-Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5% p.m. on the unpaid monthly repayment amounts.
• Under Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5% p.m. on the unpaid monthly repayment amounts.
• In the event of non-payment / short payment of the Minimum Amount Due for more than three successive months or 90 days whichever is earlier, the Encash facility shall be closed/withdrawn on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBI Card shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event the Account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• The SBI Cardholder is supposed to pay the MAD in full to avoid getting delinquent.
• The SBI cardholder may place a request for voluntarily pre-closing the Encash Offer prior to the maturity of the tenure period opted for, by calling the SBI Card Helpline or through our website. A foreclosure fee amounting to 3% of the Principal outstanding would be levied for such pre-closure requests. The Principal outstanding is calculated basis interest rate as applicable.
• In the event a cardholder puts a cancellation request by calling SBI Card helpline within 45 days of the Offer being booked, then all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be reversed once the cheque issued to the cardholder has been cleared and resulted in clear credit to the Cardholder account. Also, in case the cancellation request is received at the SBI Card helpline post 45 days of booking, the processing fees charged will not be reversed and the cardholder would be liable to pay same.
• No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.
• Transfer from this Offer to any other offer will not be entertained. SBICPSL reserves its absolute right at any time to add, alter, modify, or change or vary terms and conditions herein without notice to the Cardholder.
• Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• All and any disputes or differences arising from the Offer shall be subject to arbitration within the meaning of the Indian Arbitration and Conciliation Act, 1996 and amendment thereof. A sole arbitrator appointed by SBICPSL for this purpose shall carry out arbitration of all such disputes and/or differences. The award of the arbitrator shall be final and binding on the disputing parties. The place of arbitration shall be New Delhi and the language of arbitration shall be English.
• By availing this Offer and by conducting a financial transaction (encashing the Encash Cheque), and/or by booking the Offer on phone, the Cardholder provides consent and acceptance to all terms and conditions herein including for sharing of all personal, transactional and other related information for the purpose of this Offer.
• No request from Add-on being additional SBI Cardholder other than primary Cardholder will be entertained for booking of Offer or availing benefits under this offer.
• SBICPSL may at its sole option and discretion and without notice withdraw this Offer any time before the Encash cheque has been honored/banked.
• The cardholder would generally receive the cheque within 3 working days (for Metro locations) or 5 days (for all other locations) of the booking. This may, however, vary in case of unforeseen circumstances like bad weather conditions / flight delays / location or pin code being non-serviceable by the courier. Delays in delivery of the cheque may also occur in the event of customer has not updated his current address in the records of SBI Card or in circumstances where the customer is not available at his current address. SBI Card would not be held liable in the event of non-delivery of the instrument within the specified timeline for the foregoing set of reasons.
• Disbursement through NEFT (National Electronic Fund Transfer) to Bank account designated by the Cardholder (“Designated Account”) will be subject to successful processing at beneficiary banks.
• Cardholder intending to cancel Encash request via NEFT can do so by calling our helpline number on the same day, before 8 PM, of booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel Encash request or refuse to accept disbursement of funds any day after the day on which the request for Encash has been made.
• Cardholder agrees to comply with the terms and conditions of the Encash facility as mentioned on SBI Card website. SBI Card will not be responsible for any loss incurred by the Cardholder as a result of any incorrect information provided by the Cardholder with respect to NEFT or Designated Account details. A request for Encash shall be deemed as an absolute consent of/by the Cardholder to accept all the terms of Encash including but not limited to acceptance of these Terms and Conditions and agrees to be bound by it at all times. The Cardholder hereby agrees that upon the amounts being credited to the Designated Account, he/she shall be required to repay the Encash amount along with the interest, processing fee and applicable taxes as per the amortization schedule.
• In the event of any return of funds/reject of NEFT from Designated Account, the cheque (for the requested amount) will be dispatched at customer’s registered address automatically.
• Encash amount would be directly transferred to customer’s saving bank account within 48 - 72hours (excluding Bank Holidays) of the request.
• The Cardholder hereby agrees to avail the Encash facility on the precondition that he will not use the Encash facility or the amount dispersed under Encash, or any part thereof, towards investments in capital markets and Jewelry purchases.

• The above is an Illustrative example of amortization schedule and the actual amortization schedule will be part of the sanction letter issued to the Cardholder.
• MRA (Monthly Repayment Amount) Billing Date is the monthly statement date. For payment due date please refer your monthly statement MRA Excluding Applicable Taxes
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

Amazon e-Voucher T&Cs:

• Amazon Gift Cards ("GCs") are issued by the Qwikcilver Solutions Private limited.
• To add your GC to your AmazonPay balance, visit www.amazon.in/addgiftcard
• Beneficiary can apply the 14-digit code (under scratch card) on amazon.in/add gift card and add the gift card balance in his/her Amazon.in account. This balance gets automatically applied at the time of next purchase. There is no cap on number of gift cards that can be added to an account.
• Amazon Pay balance is a sum of all balances associated with the GCs in your Amazon.in account
• Amazon Pay balance are redeemable across all products on Amazon.in except apps, certain global store products and other Amazon.in gift cards.
• Amazon Pay balance must be used only towards the purchase of eligible products on amazon.in
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• The GCs, including any unused Amazon Pay balance, expire one year from the date of issuance of the GC
• GCs cannot be transferred for value or redeemed for the cash.
• Qwikcilver, Amazon Seller Services Private Limited (Amazon) or their affiliates are not responsible if a GC is lost, stolen, destroyed or used without permission.
• For Complete terms and conditions, see www.amazon.in/giftcardtnc
• Amazon.in logo/trademark is an IP of Amazon or its affiliates and the Qwikcilver trademark/logo is an IP of Qwikcilver.
• To redeem your GC, visit www.amazon.in/addgiftcard
• E-Gift Cards are normally delivered instantly. But sometimes due to system issues, the delivery can be delayed up-to 24 - 48 hours.
• For detailed T&Cs of this E-Gift Card please refer www.woohoo.in/termsandconditions
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• No returns and no refunds on gift cards, e-gift cards and gift vouchers shipped by woohoo.in. Please check the refund policy at http://www.woohoo.in/faq for further details.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions

• Lower Rate of interest at 13% p.a
• 100% Processing fee waiver for bookings >=50k
• Offer valid b/w 20th May – 20th Jun 2021 (Both days inclusive)

1. This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
2. The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
3. The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
4. This offer on Flexipay is valid only for bookings between 20th May to 20th Jun 2021, both days inclusive (“Term”).
5. Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
6. As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- during the offer “Term” for all tenures.
7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
8. More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
9. Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
10. This offer on Flexipay is valid from 20th May 2021 to 20th Jun 2021 both days inclusive (“Term”) Any bookings made after the offer period will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
11. The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
12. At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
13. For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
14. It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
15. In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
16. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
17. The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
18. It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
19. Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
20. A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
21. Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
22. The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
23. The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
24. Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
25. Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
26. In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
27. In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable.
28. The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
29. At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
30. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
31. Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
32. No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
33. Transfer from one Flexipay to another will not be entertained.
34. The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
35. SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
36. "Applicable Taxes" means:
    • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
    • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
37. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
38. Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
39. SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
40. Illustrative example of amortization schedule:

Amortization Schedule

Exclusive offer for customers availing New Additional SBI Credit Card - Terms & Conditions

• The Terms and Conditions for this offer are to be read in conjunction with the Terms and Conditions for “Get New Card” placed at https://www.sbicard.com/en/tnc.page
• This offer is open exclusively to select cardholders of SBICPSL who have been issued a new additional SBI Credit Card (hereinafter referred to as New Additional Card) in response to the offer rolled out to such select cardholders and communicated via SMS/E-mail.
• Cardholders are not bound in any way to participate in the offer. Any such participation is voluntary and the same is being made available purely on a 'best effort basis'.
• This offer will be valid only for select customers who are onboarded with a New Additional Card with effect from 16 May 2021 subject to their receiving a specific offer related communication via SMS/E-mail.
• This is a limited period offer and will be valid for New Additional Card issued until 31st May 2021 or till the date as mentioned in the offer communication sent to the cardholder via SMS/E-mail, whichever is earlier.
• This offer shall vary according to the card opted by and issued to the customer as per the following table:

Note: the above offerings are over and above the welcome gift, as applicable for the respective cards.

• To be eligible for offer fulfillment, it is mandatory that the cardholder has paid the applicable annual fee in full by the card payment due date.
• The offer shall be fulfilled within 45 days of receipt of payment of the card annual fee of the New Additional Card.
• The mode of fulfilment will be SMS/E-mail and the cardholder shall be communicated at his/her Registered Mobile Number and E-mail ID.
• It will be the cardholder’s responsibility to ensure that the latest and valid mobile number and E-mail ID are updated in the records of SBICPSL to enable fulfilment of the offer.
• In case of any query regarding offer fulfilment, please contact SBI Card Helpline (18601801290 / 39020202- prefix local STD Code) within 90 days from the date of fulfillment. No queries regarding offer fulfillment will be entertained by SBICPSL post this period.
• The usage of the Amazon Prime membership link and Amazon Pay Gift Card code shall be governed by the Terms & Conditions as laid down by Amazon in the succeeding sections.
• Offering the above benefits to customers in exception to the qualifying criteria will be at the sole discretion of SBICPSL.
• SBICPSL reserves the right to cancel, modify or withdraw the offer & alter offer terms & conditions as its sole discretion without prior notice. SBICPSL reserves the right to being the final decision maker regarding the offer.
• SBICPSL neither endorses, nor recommends the quality, merchantability, fitness for a particular purpose(s), after sale services, warranties etc., of the products and/or services being made available under this offer.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• The T&C’s will be governed by the laws of India & shall be subject to exclusive jurisdiction of the Delhi Courts. Any disputes arising out of these T&C’s shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The venue & seat of arbitration shall be at New Delhi and language of arbitration shall be English.

Amazon Prime Membership - Terms & Conditions

• These Terms and Conditions are to be read in conjunction with the T&Cs for “Exclusive offer for customers availing New Additional SBI Credit Card” as mentioned above.
• Amazon Prime membership link/ promo code shall be sent to the cardholder within 45 days of the receipt of payment of card annual fee via SMS/email.
• The link/ promo code can only be redeemed by non-prime members.
• The link/promo code can be redeemed only once per customer.
• The link/ promo code is non-transferable.
• Any complaint or queries related to Amazon Prime membership link received through emailer and SMS should be raised to SBI Card Helpline (18601801290 / 39020202- prefix local STD Code) within 7 days post receipt of membership link SMS & E-mailer. Any complaint / query raised post the foregoing time period will not be entertained by SBI Card.
• The membership link is valid for a period of one year from the date of receiving the SMS /E-mailer by customers with the membership link.
• Existing Amazon Prime customers have an option to activate the membership link post expiry of their existing membership at any time during validity period of the new membership link received under the offer. The membership shall be valid for a period of 12 months from the date of activation of the membership link.
• If you lose your link/ promo code, please reach out to SBI Card Helpline (18601801290 / 39020202- prefix local STD Code)
• If you receive an error while redeeming your link/ promo code, please contact Amazon Customer Service.
• The above conditions are in addition to the Amazon Prime Terms and Conditions available at: https://www.amazon.in/gp/help/customer/display.html/?nodeId=202042460&pop-up=1 which govern the customers Prime membership.
• Please note that your use of the Amazon.in website and subscription to Prime membership are also governed by the agreements listed and linked to the T&Cs as per foregoing point no. 13, as well as all other applicable terms, conditions, limitations, and requirements on the Amazon.in website, all of which (as changed over time) are incorporated herein. If you sign up for a Prime membership, you accept these terms, conditions, limitations and requirements.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• In case of any dispute relating to these terms and conditions, the decision of SBICPSL shall be final and binding.
• SBICPSL reserves the right to modify or change any of these terms and conditions at its sole discretion without prior notice.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.

Amazon Pay Gift Card – Terms & Conditions

• These Terms and Conditions are to be read in conjunction with the T&Cs for “Exclusive offer for customers availing New Additional SBI Credit Card” as mentioned above.
• Amazon Pay Gift Cards (hereinafter GC) are issued by Qwikcilver Solutions Private Limited (“Qwikcilver”)
• GC may be used only for the purchase of eligible products on Amazon.in
• GC must be used within the validity period.
• GC cannot be transferred for value or redeemed for cash.
• Qwikcilver, Amazon or their affiliates are not responsible if GCs are lost, stolen, destroyed, or used without permission
• To redeem your GC, visit www.amazon.in/addgiftcard. For complete Terms and Conditions, visit www.amazon.in/giftcardtnc.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• In case of any dispute relating to these terms and conditions, the decision of SBICPSL shall be final and binding.
• SBICPSL reserves the right to modify or change any of these terms and conditions at its sole discretion without prior notice.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.

New Additional SBI Credit Card - TERMS & CONDITIONS

• I and the additional cardholder(s) agree unconditionally to be bound by the terms and conditions of the cardholder agreement accompanying each SBI Credit Card.
• I accept the fee structure mentioned under the Most Important Terms and Conditions placed at https://www.sbicard.com/en/most-important-terms-and-conditions.page. I understand that the Annual fee shall be required to be paid by me on receiving the first statement of account. I further understand that starting from the second year, renewal fee, if applicable, will be paid by me every year and shall be billed to me in the statement of account.
• I agree that the credit limit split between the new card and existing card, as exercised by me on the website shall be final and no further changes shall be raised by me to SBICPSL in this regard.
• In case the new additional card is to be issued to a new address, I agree to provide within four (4) days of submission of application, the requisite address proof as per the list of acceptable documents for address change. I accept that my application for new additional card will be processed further only after the receipt of valid address proofs and change of address in records of SBI Cards & Payment Services Limited (SBICPSL) basis the documents submitted. (Please refer https://www.sbicard.com/ADClist for the list of acceptable documents for address change)
• I further agree and accept that the in event of non-submission of valid address proofs within the stipulated time, SBICPSL reserves the right to decline my application for new additional card.
• I will be liable for all charges incurred on the primary credit card and all additional cards issued and each additional Cardholder will be liable for all charges incurred on all such credit cards jointly and severally with me.
• I agree that charge slip or a payment requisition or requisition or an electronic record resulting from or generated by the use of the card will amount to an unconditional undertaking by me to pay SBICPSL the amount stated therein and agree that a copy of my periodic billing statement sent to me by post or E-mail, at the E-mail ID provided by me will be final and conclusive evidence of my liability for the charges stated therein.
• I, authorize sharing of any of my information for purposes such as marketing and offering of various products and services of SBICPSL or any of the product(s) of its Group Companies, subsidiaries, affiliates, associates of co-brand partner.
• I, also authorize SBICPSL to send me SMS alerts on marketing / account related information on my mobile phone number. All documents submitted in support of the application shall become the sole and absolute property of SBICPSL and shall be treated in accordance with all applicable Laws and Rules established in India.
• I am fully aware and understand the regulations governing the use of the card outside India and my obligations under the applicable exchange control / management regulations and guidelines issued by Reserve Bank of India / applicable authority from time-to-time.
• I undertake that my and additional cardholder(s) use of the card shall be in strict compliance with applicable exchange control / management regulations, else the card may be cancelled at the instance of RBI and / or SBICPSL in the event I or the additional cardholder(s) are not in compliance with the usage restriction, foreign exchange entitlements and other applicable regulations. I/We shall bring the same to the notice of SBICPSL in writing forthwith. I accord the above consent notwithstanding the issuance / non-issuance maturity of the card(s) or its discontinuance by me.
• I/We hereby unconditionally agree that SBICPSL may in its discretion consider to use the information supplied by me/us on the application form and sell insurance to me/us at their sole discretion, even in the event of me/us not having been issued the card.
• I shall contact the SBI Credit Card Helpline in case I have any doubts / clarifications.
• I further give specific consent to block and deactivate any of my credit cards and its aligned accounts in all circumstances where at any instance I commit default in timely payments of my outstanding on any of such credit cards issued by SBICPSL to me.
• I understand that I will be issued a new SBI Credit Card from SBICPSL portfolio at the absolute and sole discretion of SBICPSL to which I hereby give my full and free consent and I further undertake that subsequently I shall not raise any demure, protest and/or contest with regard to any matter connected therewith. I confirm that I have been duly communicated and I have fully understood all accompanying terms and conditions of SBI Credit Card.
• I acknowledge that in case auto-debit is enabled on my existing (old) SBI Credit Card, the same will not be automatically enabled on the new SBI Credit Card availed through this process.
• In all events of payments not being paid by the due date, SBICPSL reserves the right to carry out follow ups by means of personal visits, post, fax, telephone, E-mail, SMS and/or engaging third party to remind, follow-up and collect due payments in any manner deemed fit by SBICPSL keeping the intent in view.
• In all events where SBICPSL or its authorized representatives are unable to contact me, SBICPSL shall be at liberty to leave payment due messages with any third parties which may include without restriction my spouse, parents, other family members, secretary, accountant etc, who may be available at my residence or office or mobile number/registered Landline number.
• This is without prejudice to other rights of SBICPSL to collect outstanding dues to be exercised in accordance with law. I hereby confirm that I would be the beneficial owner of the SBI Credit Card as understood in the normal business parlance and in accordance with existing regulations. I hereby undertake to comply with all directives from SBICPSL in my capacity as the beneficial owner of the SBI Credit Card, if and when such credit card is issued by SBICPSL to me based upon approval of my SBI Credit Card application.
• I have read and understood all SBICPSL policies regarding data privacy and security procedures published on its web site www.sbicard.com and acknowledge all its content.
• I understand that SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• I understand that in case of any dispute relating to these terms and conditions, the decision of SBICPSL shall be final and binding.
• I understand that SBICPSL reserves the right to modify or change any of these terms and conditions at its sole discretion without prior notice.
• I understand that these terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.

• Lower Rate of interest at 13% p.a
• 100% Processing fee waiver for bookings >=50k
• Offer valid b/w 11th Apr – 9th May 2021 (Both days inclusive)
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer on Flexipay is valid only for bookings between 11th Apr to 9th May 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 11th Apr 2021 to 09th May 2021 both days inclusive (“Term”) Any bookings made after the offer period will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable. For such cancellation scenarios, if the processing fee waiver is provided on the account, the same would be reversed within 60 days of offer closure.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule

• Lower Rate of interest at 13% p.a
• 100% Processing fee waiver for bookings >=25k
• Offer valid b/w 01st Apr – 10th Apr 2021 (Both days inclusive)
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer on Flexipay is valid only for bookings between 1st Apr to 10th Apr 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 25,000/- during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 01st Apr 2021 to 10th Apr 2021 both days inclusive (“Term”) Any bookings made after the offer period will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable. For such cancellation scenarios, if the processing fee waiver is provided on the account, the same would be reversed within 60 days of offer closure i.e. by 16th Dec 2020.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule

• This is a limited period offer and can be availed only once by the customer.
• This offer is for a limited set of existing SBI Card customers only who receive the offer emailers and SMS from SBI Card
• The membership link is valid for a period of one year from the date of receiving the SMS / Emailer by customers with the membership link.
• This offer is not applicable for customers who have already received a complimentary 1 Year Amazon Prime membership as a part of any other offer extended by SBIC.
• All other Terms and Conditions set out by Amazon for the Prime Membership will apply to this offer as well.
• Any complaint or queries related to Amazon Prime membership link received through emailer and SMS should be raised to SBI Card Helpline (1860180290 / 39020202- prefix local STD Code) within 7 days post receipt of membership link SMS & Emailer. Any complaint / query raised post the above time period will not be entertained by SBI Card.
• Existing Amazon PRIME customers have an option to activate the membership link post expiry of their membership up to the validity period of 1 year for the membership link.
• Offering the membership to customers will be at the sole discretion of SBIC. SBIC reserves right to final decision making regarding sending the offer to customers.
• SBIC reserves the right to cancel the membership, modify, withdraw the offer & alter offer terms & conditions as per its discretion.
• The T&C’s will be governed by the laws of India & shall be subject to exclusive jurisdiction of the Delhi Courts. Any disputes arising out of these T&C’s shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The venue & seat of arbitration shall be at New Delhi and language of arbitration shall be English.

• Lower Rate of interest at 13% p.a
• 50% Processing fee waiver for all bookings >=25k
• Offer valid b/w 22nd Mar 2021 – 31st Mar 2021
• Offer applicable on Digital channels ( Applicable on Website + Mobile App + ILA) + Outbound calling agencies (SBI Connect)
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020212 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com. / Mobile app / ILA
• This offer on Flexipay is valid only for bookings between 22nd Mar to 31st Mar 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. The program is valid only on Digital channels (Website + Mobile App + ILA) + Outbound agencies (SBI Connect). Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 50% processing fee waiver for Flexipay bookings above INR 25,000 on Digital channels (Website + Mobile App + ILA) + Outbound agencies (SBI Connect). Processing fee waiver would be credited to the customers account instantly at the time of booking (booking done within the offer period)
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020212 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 22nd Mar 2021 to 31st Mar 2021 both days inclusive (“Term”) Any bookings made after offer expiry will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule

• This Encash Offer ("Offer") is made by SBI Cards & Payment Services Pvt. Ltd ("SBICPSL") to certain SBI Credit Card holders eligible for Encash. The intended recipients shall receive the Offer through appropriate medium as chosen by SBICPSL. By availing this Offer and benefits accruing thereto, the Cardholder explicitly agrees to be bound by all the terms and conditions herein
• The Amazon voucher Offer is valid on Encash booking done between 22nd Mar 2021 – 31st Mar 2021 (both days inclusive).
• This offer is on Encash facility and is open only to selective SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Encash facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020212 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com. / Mobile app / ILA
• This offer on Encash is valid only for bookings between 22nd Mar 2021 to 31st Mar 2021, both days inclusive (“Term”).
• As a part of the offer, cardholder would be eligible to get an Amazon e-voucher for Encash bookings as per below grid,

• Customer will be eligible for only one voucher during the offer period for Encash booking basis the above defined slabs .
• Please note that the eligible customers will be shared the Amazon e-vouchers by 20th Jun 2021 on their registered mobile numbers. Please note that any cancellations will not be eligible for the Amazon e-voucher program.
• This Offer carries a rate of interest which shall be charged to the Cardholder on the offered principal amount and is used for calculating all his financial obligations under this Offer and the same shall be the basis of drawing the appropriate amortization Schedule enumerated under Clause 31 herein below. In addition, the Cardholder shall also be charged a Processing fee at the rate of 2% of the principal amount advanced but subject to a minimum amount of Rs.499 (Four Hundred and Ninety Nine only) and a maximum of Rs. 3000 (Three Thousand Only)
• The cost of funds and other operational costs for the business also determine the rate of interest. Interest rate applicable on Encash facility ranges from 13% – 29%.
• The Rate of Interest applicable for Encash facility is cardmember specific as decided by SBI Cards at its sole discretion and intimated to the cardmember prior to availing the facility. The rate of interest offered to a customer is determined by factors such as, but not limited to:
  • Past transaction / repayment behavior of the customer
  • Credit risk profile
• Changes in factors mentioned above may result in upward or downward revision of the interest applicable on the Encash facility from time to time / from offer to offer at the sole discretion of SBI Cards. All fees / charges applicable to the facility may or may not be dynamic and are subject to modifications based on SBI Cards periodic internal review
• This Offer is also subject to a maximum limit on the amount that may be availed by the Cardholder. The limit on the Offer can either be over and above the existing credit limit or from within the existing credit limit of SBI Card. In all events when an Encash is offered over and above the credit limit, the maximum limit shall be contained and communicated by way of the proposed communication medium as made applicable by SBICPSL to the intended recipient. . In all events when an Encash is offered from the credit limit, the amount offered will be part of the existing credit limit and the credit limit shall be blocked upto Principal availed + Interest component. On payment of the monthly repayment amount, the Credit limit to the extent of monthly repayment amount will be credited back to the existing credit limit. It is clarified that the maximum amount offered will be subject to the available credit limit on the Card at the time of availing the Offer. This Offer (both in case of over the existing limit or within the existing limit) is subject to a minimum request for an amount of Rs. 10,000 (Ten Thousand Only)
• SBI cardholders can avail the benefits under this Offer by requesting for a cheque which would be send to the cardholder’s registered address.
• The monthly repayment amount is calculated as (Principal Amount + Interest charge) / Tenure in months. The interest charged is the reducing rate of interest and accordingly at any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on a reducing principal balance.
• The monthly repayment schedule will begin from the SBI Cardholder next billing statement and continue over the tenure period chosen for the Offer.
• The Minimum Amount Due (MAD) will be 5% of the SBI Cardholders existing revolving balances (Retail/Cash/Balance Transfer) and the monthly repayment amount due under the Offer (or all monthly repayment amounts due in case of multiple Offers).
• Non Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5%p.m. on the unpaid monthly repayment amounts.
• Under Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.5%p.m. on the unpaid monthly repayment amounts.
• In the event of non-payment / short payment of the Minimum Amount Due for more than three successive months or 90 days whichever is earlier, the Encash facility shall be closed/withdrawn on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBI Card shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event the Account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• The SBI Cardholder is supposed to pay the MAD in full to avoid getting delinquent.
• The SBI cardholder may place a request for voluntarily pre-closing the Encash Offer prior to the maturity of the tenure period opted for, by calling the SBI Card Helpline or through our website. A foreclosure fee amounting to 3% of the Principal outstanding would be levied for such pre-closure requests. The Principal outstanding is calculated basis interest rate as applicable.
• In the event a cardholder puts a cancellation request by calling SBI Card helpline within 45 days of the Offer being booked, then all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be reversed once the cheque issued to the cardholder has been cleared and resulted in clear credit to the Cardholder account. Also, in case the cancellation request is received at the SBI Card helpline post 45 days of booking, the processing fees charged will not be reversed and the cardholder would be liable to pay same.
• No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.
• Transfer from this Offer to any other offer will not be entertained. SBICPSL reserves its absolute right at any time to add, alter, modify or change or vary terms and conditions herein after giving due notice to the Cardholder.
• Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• All and any disputes or differences arising from the Offer shall be subject to arbitration within the meaning of the Indian Arbitration and Conciliation Act, 1996 and amendment thereof. A sole arbitrator appointed by SBICPSL for this purpose shall carry out arbitration of all such disputes and/or differences. The award of the arbitrator shall be final and binding on the disputing parties. The place of arbitration shall be New Delhi and the language of arbitration shall be English.
• By availing this Offer and by conducting a financial transaction (encashing the Encash Cheque), and/or by booking the Offer on phone, the Cardholder provides consent and acceptance to all terms and conditions herein including for sharing of all personal, transactional and other related information for the purpose of this Offer.
• No request from Add-on being additional SBI Cardholder other than primary Cardholder will be entertained for booking of Offer or availing benefits under this offer.
• SBICPSL may at its sole option and discretion withdraw this Offer any time before the Encash cheque has been honored/banked.
• The cardholder would generally receive the cheque within 3 working days (for Metro locations) or 5 days (for all other locations) of the booking. This may, however, vary in case of unforeseen circumstances like bad weather conditions / flight delays / location or pin code being non-serviceable by the courier. Delays in delivery of the cheque may also occur in the event of customer has not updated his current address in the records of SBI Card or in circumstances where the customer is not available at his current address. SBI Card would not be held liable in the event of non-delivery of the instrument within the specified timeline for the foregoing set of reasons.
• Disbursement through NEFT (National Electronic Fund Transfer) to Bank account designated by the Cardholder (“Designated Account”) will be subject to successful processing at beneficiary banks.
• Cardholder intending to cancel Encash request via NEFT can do so by calling our helpline number on the same day, before 8 PM, of booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel Encash request or refuse to accept disbursement of funds any day after the day on which the request for Encash has been made.
• Cardholder agrees to comply with the terms and conditions of the Encash facility as mentioned on SBI Card website. SBI Card will not be responsible for any loss incurred by the Cardholder as a result of any incorrect information provided by the Cardholder with respect to NEFT or Designated Account details. A request for Encash shall be deemed as an absolute consent of/by the Cardholder to accept all the terms of Encash including but not limited to acceptance of these Terms and Conditions and agrees to be bound by it at all times. The Cardholder hereby agrees that upon the amounts being credited to the Designated Account, he/she shall be required to repay the Encash amount along with the interest, processing fee and applicable taxes as per the amortization schedule.
• In the event of any return of funds/reject of NEFT from Designated Account, the cheque (for the requested amount) will be dispatched at customer’s registered address automatically.
• Encash amount would be directly transferred to customer’s saving bank account within 48 - 72hours (excluding Bank Holidays) of the request.
• The Cardholder hereby agrees to avail the Encash facility on the precondition that he will not use the Encash facility or the amount dispersed under Encash, or any part thereof, towards investments in capital markets and Jewelry purchases.

• The above is an Illustrative example of amortization schedule and the actual amortization schedule will be part of the sanction letter issued to the Cardholder.
• MRA (Monthly Repayment Amount) Billing Date is the monthly statement date. For payment due date please refer your monthly statement $ MRA Excluding Applicable Taxes
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

Amazon voucher T&Cs:

• Amazon Gift Cards ("GCs") are issued by the Qwikcilver Solutions Private limited ("Qwikcilver"). Credit and Debit Cards issued outside India cannot be used to purchase Amazon.in Gift Cards.
• To add your GC to your Amazon Pay balance, visit www.amazon.in/addgiftcard
• Beneficiary can apply the 14 digit code (under scratch card) on amazon.in/addgiftcard and add the gift card balance in his/her Amazon.in account. This balance gets automatically applied at the time of next purchase. There is no cap on number of gift cards that can be added to an account.
• Amazon Pay balance is a sum of all balances associated with the GCs in your Amazon.in account
• Amazon Pay balance are redeemable across all products on Amazon.in except apps, certain global store products and other Amazon.in gift cards.
• Amazon Pay balance must be used only towards the purchase of eligible products on amazon.in
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• The GCs, including any unused Amazon Pay balance, expire one year from the date of issuance of the GC
• GCs cannot be transferred for value or redeemed for the cash.
• Qwikcilver, Amazon Seller Services Private Limited (Amazon) or their affiliates are not responsible if a GC is lost, stolen, destroyed or used without permission.
• For Complete terms and conditions, see www.amazon.in/giftcardtnc
• Amazon.in logo/trademark is an IP of Amazon or its affiliates and the Qwikcilver trademark/logo is an IP of Qwikcilver.
• To redeem your GC, visit www.amazon.in/addgiftcard
• E-Gift Cards are normally delivered instantly. But sometimes due to system issues, the delivery can be delayed up-to 24 - 48 hours.
• For detailed T&Cs of this E-Gift Card please refer www.woohoo.in/termsandconditions
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• No returns and no refunds on gift cards, e-gift cards and gift vouchers shipped by woohoo.in. Please check the refund policy at http://www.woohoo.in/faq for further details.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions

• Offer valid b/w 15th Mar 2021 – 24th Mar 2021
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020212 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com. / Mobile app / ILA
• This offer on Flexipay is valid only for bookings between 15th Mar 2021 to 24th Mar 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 22% p.a. for a minimum amount of Rs. 2500/- and above. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get an Amazon e-voucher for Flexipay bookings as per below grid,

• Please note that the eligible customers will be shared the Amazon e-vouchers by 20th Jun 2021 on their registered mobile numbers. Please note that any cancellations will not be eligible for the Amazon e-voucher program
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020212 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 15th Mar 2021 to 24th Mar 2021 both days inclusive (“Term”) Any bookings made after offer expiry will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.5% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
• for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• In case of any dispute, decision of SBICPSL shall be final and binding.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer or cancel the partial or entire offer at its sole discretion without prior notice.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule:

Amazon voucher T&Cs:

• Amazon Gift Cards ("GCs") are issued by the Qwikcilver Solutions Private limited ("Qwikcilver"). Credit and Debit Cards issued outside India cannot be used to purchase Amazon.in Gift Cards.
• To add your GC to your Amazon Pay balance, visit www.amazon.in/addgiftcard
• Beneficiary can apply the 14 digit code (under scratch card) on amazon.in/addgiftcard and add the gift card balance in his/her Amazon.in account. This balance gets automatically applied at the time of next purchase. There is no cap on number of gift cards that can be added to an account.
• Amazon Pay balance is a sum of all balances associated with the GCs in your Amazon.in account
• Amazon Pay balance are redeemable across all products on Amazon.in except apps, certain global store products and other Amazon.in gift cards.
• Amazon Pay balance must be used only towards the purchase of eligible products on amazon.in
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• The GCs, including any unused Amazon Pay balance, expire one year from the date of issuance of the GC
• GCs cannot be transferred for value or redeemed for the cash.
• Qwikcilver, Amazon Seller Services Private Limited (Amazon) or their affiliates are not responsible if a GC is lost, stolen, destroyed or used without permission.
• For Complete terms and conditions, see www.amazon.in/giftcardtnc
• Amazon.in logo/trademark is an IP of Amazon or its affiliates and the Qwikcilver trademark/logo is an IP of Qwikcilver.
• To redeem your GC, visit www.amazon.in/addgiftcard
• E-Gift Cards are normally delivered instantly. But sometimes due to system issues, the delivery can be delayed up-to 24 - 48 hours.
• For detailed T&Cs of this E-Gift Card please refer www.woohoo.in/termsandconditions
• Certain merchants may provide you services only on the pre-condition that you allow us to hold balances in your Amazon Pay balance: Gift Card till the service completion by the merchant. However, your prior consent would be taken before holding such balances. In such cases, you agree and authorize us to: (i) hold your balance until service completion; and (ii) fail the transaction if your balance in the Amazon Pay Gift Card is less than the actual amount charged by the merchant at the end of the services.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions.
• No returns and no refunds on gift cards, e-gift cards and gift vouchers shipped by woohoo.in. Please check the refund policy at http://www.woohoo.in/faq for further details.
• You may request for revalidation of any expired Gift Cards. Upon receipt of such request, the Gift Card may be revalidated after due verification and subject to applicable terms and conditions

Lower Rate of interest at 14.5% p.a

Processing fee waiver,

• Offer valid b/w 08th Feb 2021 – 07th Mar 2021
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020212 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com. / Mobile app / ILA
• This offer on Flexipay is valid only for bookings between 8th Feb to 7th Mar 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 14.5% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a processing fee waiver for Flexipay bookings as per below grid,

  Flexipay booking amount	Processing fee waiver
  >= INR 30,000 & < 50,000	50%
  >= INR 50,000	100%

  • The 50% processing fee waiver will be credited to eligible customers account by 20th May 2021. The amount credited will include the applicable GST amount (50% of the GST charged). Please note there will be no reversal for any cancellations. For 100% Processing fee waiver for bookings >= INR 50,000 – Processing fee waiver would be credited to the customers account instantly at the time of booking (booking done within the offer period)
  • Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
  • More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
  • Eligible cardholders can call up the SBICPSL Helpline 39020212 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
  • This offer on Flexipay is valid from 08th Feb 2021 to 07th Mar 2021 both days inclusive (“Term”) Any bookings made after offer expiry will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
  • The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
  • At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
  • For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
  • It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
  • In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
  • The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
  • The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
  • It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
  • Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
  • A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
  • Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
  • The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20. In event of foreclosure / cancellation of Flexipay EMI booking, Reward Points will not be credited back to the cardholder account
  • The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
  • Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
  • Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
  • In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
  • In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed.
  • The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
  • At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
  • Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
  • Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
  • No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
  • Transfer from one Flexipay to another will not be entertained.
  • The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
  • SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
  • "Applicable Taxes" means:
    • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
    • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
  • This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
  • Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
  • SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
  • Illustrative example of amortization schedule:

• Visa Bill Pay Campaign – Amazon Gift Card T&C

Merchant EMI (Convert2EMI) Terms & Conditions

Lower Rate of interest at 13% p.a

100% Processing fee waiver for bookings >=50k

Offer valid b/w 06th Dec 2020 – 16th Dec 2020

• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com. / Mobile app / ILA
• This offer on Flexipay is valid only for bookings between 6th Dec to 16th Dec 2020, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 06th Dec 2020 to 16th Dec 2020 both days inclusive (“Term”) Any bookings made after offer expiry will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20. In event of foreclosure / cancellation of Flexipay EMI booking, Reward Points will not be credited back to the cardholder account
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means: -for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9% -for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Offer 1:

• Interest Rate: 13% p.a. (Applicable for all Offered Tenures)
• 100% Processing Fee Waiver for Flexipay booking amount >= Rs.25,000
• Offer valid from 6th Nov’20 to 5th Dec’20
• Eligible customers would receive the offer communication

Offer 2:

• Interest Rate: 22% p.a. (Applicable for 3, 6, 9 & 12 month Tenures)
• Interest Rate: 21% p.a. (Applicable for 24 & 36 month Tenures)
• 100% Processing Fee Waiver for Flexipay booking amount >= Rs.25,000
• Offer valid from 6th Nov’20 to 5th Dec’20
• Eligible customers would receive the offer communication

• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the respective offer communication from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer on Flexipay is valid only for bookings between 6th Nov to 5th Dec 2020, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate as per the applicable offer with a minimum booking amount of Rs.2500 and above. Additionally, a processing fee will be charged on the Flexipay booking amount at the interest rate of 2% subject to a minimum of Rs.249 and a maximum of Rs.1500 for Flexipay booking amount less than Rs.25,000.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 25,000 during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 06th Nov 2020 to 05th Dec 2020 both days inclusive (“Term”) Any bookings made after offer expiry will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20^th Nov’20. In event of foreclosure / cancellation of Flexipay EMI booking, Reward Points will not be credited back to the cardholder account
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.

Amortization Schedule

This offering is from SBI Cards and Payment Services Limited (“SBICPSL”) as a value-added product offer for its IRCTC SBI Card (On RuPay Platform) variant of Credit Cardholders (“Cardholder”) as may be communicated by SBICPSL via various medium chosen by it. For the purposes of this Offer, an eligible year is defined as the year in which the fee is paid for by the Cardholder. Example: In case a card account is opened on 1st April 2020, the period for the eligible year would be 1st April 2020 to 31st March 2020.

All eligible IRCTC SBI Card (On RuPay Platform) holders will get a one-time Amazon e-voucher(“E-voucher”) worth Rs.500 on successfully applying for IRCTC SBI Card (On RuPay Platform) from website, www.sbicard.com with full application filled online. . The E-voucher will be issued to the eligible Cardholder who have filled the complete online application & have got approved card. E-voucher code is a UNIQUE code that will be communicated to eligible Cardholders through SMS and/or email to registered mobile number and/or email address updated with SBICPSL on or before the offer date mentioned on the SMS.

• E-voucher code is valid till the date communicated on the SMS from date of issue to eligible Cardholder by SBICPSL.
• Cardholder to ensure that the redemption of gift is done before expiry. Extension of codes will not be granted under any circumstance. E-Vouchers can be redeemed ONLY on www.amazon.in /mobile app.
• Any additional costs incurred in connection with usage of E-voucher will be the sole responsibility of the Cardholder.
• E-Voucher can be used only once within the validity period. Two e-vouchers cannot be used in one single transaction.
• Any person redeeming the E-Voucher will also be subject to the terms & conditions that the E-voucher may have. In addition to these Amazon Voucher Terms and Conditions, Amazon Vouchers and their use on our website are also subject to Amazon's general Terms of Use & Amazon’s decision will be final in case of any dispute.
• In case the E-voucher received is damaged/incorrect/incomplete, the Cardholder to get in touch with SBI Card Customer care at 18001801295 , or 39021212 (prefix local STD code) or click here to email us within 02 days of receipt of the same. In case the Cardholder fails to inform the issues within the given period of 2 days, then SBICPSL shall have the right to reject to entertain such grievances from the Cardholder.
• If lost/misused, E-Voucher(s) cannot be replaced/refunded and cannot be revalued.
• E-Voucher code is valid for one time use on Amazon.in only. E-Voucher Code is not valid for multiple usages. E-voucher can be redeemed only once, and in one single order.
• SBICPSL will not be responsible for email bounces, non-delivery of SMSs, wrong email id/mobile number updated, or incomplete email id/mobile number updated in the system etc. Email/SMS will be sent to the email id and mobile number as updated in SBICPSL’s system.
• SBICPSL will not be responsible for non-delivery of E-voucher code to redeem gift in case the mobile number is on DNCR as per regulation.
• Extension of codes will not be granted under any circumstance.
• In case of any dispute, decision of SBICPSL shall be final and binding.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer or cancel the partial or entire offer at its sole discretion without prior notice.
• Under no circumstances will the offer being offered under this Program be settled with cash in lieu by SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.

Max Vouchers T&C and Store List’.

Get an Amazon e-gift voucher worth Rs. 1000 on total spend of Rs. 10,000 in 60 days from card issuance

• This Offer ('Offer') from SBI Cards & Payment Services Ltd. (formerly known as SBI Cards and Payment Services Private Limited) (hereinafter referred to as 'SBICPSL') is open to SELECT cardholders holding a valid and current SBI Card ELITE American Express® Card (hereinafter SBI Card ELITE) with no outstanding of more than 30 days , excluding corporate card ('Cardholder').
• The Offer is applicable on customers who comply or fulfill criterion as determined by SBICPSL.
• Under this offer, to be eligible for the complimentary gift/product, the cardholder needs to spend and/or do asked number of transactions within the offer period ('Term') in accordance with the instructions/specifications provided in the communication sent through SMS/Email by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.
• If the offer is based on online transactions and/or spends, customers who do any ONLINE credit card transactions like travel booking, bill payments, movie ticketing or any other online transactions will qualify for the offer subject to spending to target amount as communicated in the emailer and/or SMS. All the cumulative online purchases within the offer period may also be clubbed together to avail the offer.
• Any qualifying transaction does not include spends on Fuel, ATM Cash Withdrawal, Balance Transfer, Balance Transfer on EMI, Encash and Easy Money draft products of SBICPSL.
• Returned purchases/reversals (for all transactions done during or before the offer period), disputed and/or unauthorized/fraudulent transactions, EMI's and fees/charges will not be considered for this offer.
• Eligible cardholders for an E-gift Voucher, will be communicated via email/SMS..
• OTP and other communications will happen on registered mobile number and/or email id only.
• Cardholder to ensure that the registered mobile is not on DNCR (Do no call registration) list to receive the e-code for redeeming the gift.
• Kindly check your mobile DNCR status on www.ndnc.com. If you wish to Deactivate DNCR i.e start getting promotional offer SMS/calls, send an SMS with the message START 1 to 1909.
• SBICPSL reserves the right to revise/change/modify/discard offers and target construct at any point during the campaign period.
• Cardholder to ensure and update latest mobile number and e-mail ID to receive periodic communication related to this offer. In case, the eligible cardholder does not have a valid registered mobile number and/or email address with SBICPSL, the E-gift Voucher code to redeem the gift will not be communicated.
• All SBI Card PRIME accounts opened upto and including 31st May 2021 shall be eligible for this offer.
• Cardholder needs to achieve INR 10,000 spends within 60 days from the date of account opening to be eligible for an Amazon e-gift voucher worth INR 1000.
• Spends on multiple primary cards cannot be clubbed by the Cardholder for the said offer.
• Spends made on add-on cards for particular primary card shall also be considered under this offer and shall be counted towards the total spends made on the card account.
• Eligible cardholders will be communicated a voucher code through SMS and/or email to registered mobile number and/or email address updated with SBICPSL within 60 days of offer end date.
• E-gift Vouchers can be used only once within the validity period.
• Cardholder to ensure that the redemption of gift is done before expiry. Extension of codes will not be granted under any circumstance.
• All physical gifts can be shipped only within the delivery area of vendor, and customer must provide a valid address and pincode within the delivery area. SBICPSL shall in no way be liable if customer is unable to place an order for delivery within the delivery area.
• SBICPSL will not be responsible for email bounces, non-delivery of SMSs, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system etc. Email/SMS will be sent to the email id and mobile number as updated in SBICPSL's system.
• SBICPSL will not be responsible for non-delivery of E-gift Voucher code to redeem gift in case the mobile number is on DNCR as per regulation.
• All orders Subject to the Terms of Use & policies of Vendor(s).

Standard Terms & Conditions:

• SBICPSL shall not be liable in any manner whatsoever or howsoever for any loss or damage or claims that may arise out of or otherwise howsoever from any refusal by vendor to honor this offer for any reason whatsoever.
• SBICPSL does not hold out any warranty or make any representation of the delivery, quality, merchantability, suitability etc., of the products and/or services offered by vendor and SBICPSL shall not entertain any correspondence in this regard.
• The products & services offered under this offer are at the sole responsibility of the participating Merchants and at their exclusive costs and consequences. SBICPSL does not endorse, nor recommends the quality, merchantability, fitness for a particular purpose(s), after sale services, warranties etc., of the products and/or services being made available under this offer.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website are representative only and may not bear an exact resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any person availing this offer shall be deemed to have accepted these Terms and Conditions
• Any query regarding the Offer or any matter related thereof will be entertained only till 60 days post offer end date. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.
• This Offer is a standalone Offer and the benefits offered under this Offer cannot be clubbed together and/or in any way be cumulated with any other offer of SBICPSL in any manner or form.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
• Any disputes arising out of this Offer shall be subject to arbitration under the Indian Arbitration and Conciliation Act, 1996 including any statutory amendments carried thereof. Arbitration shall be conducted by a sole arbitrator appointed by SBICPSL for this purpose and the award of the arbitrator shall be final and binding on the cardholder and SBICPSL. The seat & venue arbitration shall be at New Delhi and the language of arbitration shall be English. Existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• In case of any dispute, decision of SBICPSL shall be final and binding.
• If any term of this offer is held by a court of competent jurisdiction to be invalid or unenforceable, then this offer, including all of the remaining terms, will remain in full force and effect as if such invalid or unenforceable term had never been included.
• Cardholders are not bound in any way to participate in the Offer. Any such participation is voluntary and the same is being made available purely on a 'best effort basis'.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer or cancel the partial or entire offer at its sole discretion without prior notice.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.

Get an Amazon e-gift voucher worth Rs. 2000 on total spend of Rs.10,000 in 60 days from card issuance

• This Offer ('Offer') from SBI Cards & Payment Services Ltd. (formerly known as SBI Cards and Payment Services Private Limited) (hereinafter referred to as 'SBICPSL') is open to SELECT cardholders holding a valid and current SBI Card ELITE American Express® Card (hereinafter SBI Card ELITE) with no outstanding of more than 30 days , excluding corporate card ('Cardholder').
• The Offer is applicable on customers who comply or fulfill criterion as determined by SBICPSL.
• Under this offer, to be eligible for the complimentary gift/product, the cardholder needs to spend and/or do asked number of transactions within the offer period ('Term') in accordance with the instructions/specifications provided in the communication sent through SMS/Email by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.
• If the offer is based on online transactions and/or spends, customers who do any ONLINE credit card transactions like travel booking, bill payments, movie ticketing or any other online transactions will qualify for the offer subject to spending to target amount as communicated in the emailer and/or SMS. All the cumulative online purchases within the offer period may also be clubbed together to avail the offer.
• Any qualifying transaction does not include spends on Fuel, ATM Cash Withdrawal, Balance Transfer, Balance Transfer on EMI, Encash and Easy Money draft products of SBICPSL.
• Returned purchases/reversals (for all transactions done during or before the offer period), disputed and/or unauthorized/fraudulent transactions, EMI's and fees/charges will not be considered for this offer.
• Eligible cardholders for an E-gift Voucher, will be communicated via email/SMS..
• OTP and other communications will happen on registered mobile number and/or email id only.
• Cardholder to ensure that the registered mobile is not on DNCR (Do no call registration) list to receive the e-code for redeeming the gift.
• Kindly check your mobile DNCR status on www.ndnc.com. If you wish to Deactivate DNCR i.e start getting promotional offer SMS/calls, send an SMS with the message START 1 to 1909.
• SBICPSL reserves the right to revise/change/modify/discard offers and target construct at any point during the campaign period.
• Cardholder to ensure and update latest mobile number and e-mail ID to receive periodic communication related to this offer. In case, the eligible cardholder does not have a valid registered mobile number and/or email address with SBICPSL, the E-gift Voucher code to redeem the gift will not be communicated.
• All SBI Card ELITE accounts opened upto and including 31st May 2021 shall be eligible for this offer.
• Cardholder needs to achieve INR 10,000 spends within 60 days from the date of account opening to be eligible for an Amazon e-gift voucher worth INR 2000.
• Spends on multiple primary cards cannot be clubbed by the Cardholder for the said offer.
• Spends made on add-on cards for particular primary card shall also be considered under this offer and shall be counted towards the total spends made on the card account.
• Eligible cardholders will be communicated a voucher code through SMS and/or email to registered mobile number and/or email address updated with SBICPSL within 60 days of offer end date.
• E-gift Vouchers can be used only once within the validity period.
• Cardholder to ensure that the redemption of gift is done before expiry. Extension of codes will not be granted under any circumstance.
• All physical gifts can be shipped only within the delivery area of vendor, and customer must provide a valid address and pincode within the delivery area. SBICPSL shall in no way be liable if customer is unable to place an order for delivery within the delivery area.
• SBICPSL will not be responsible for email bounces, non-delivery of SMSs, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system etc. Email/SMS will be sent to the email id and mobile number as updated in SBICPSL's system.
• SBICPSL will not be responsible for non-delivery of E-gift Voucher code to redeem gift in case the mobile number is on DNCR as per regulation.
• All orders Subject to the Terms of Use & policies of Vendor(s).

Standard Terms & Conditions:

• SBICPSL shall not be liable in any manner whatsoever or howsoever for any loss or damage or claims that may arise out of or otherwise howsoever from any refusal by vendor to honor this offer for any reason whatsoever.
• SBICPSL does not hold out any warranty or make any representation of the delivery, quality, merchantability, suitability etc., of the products and/or services offered by vendor and SBICPSL shall not entertain any correspondence in this regard.
• The products & services offered under this offer are at the sole responsibility of the participating Merchants and at their exclusive costs and consequences. SBICPSL does not endorse, nor recommends the quality, merchantability, fitness for a particular purpose(s), after sale services, warranties etc., of the products and/or services being made available under this offer.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website are representative only and may not bear an exact resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any person availing this offer shall be deemed to have accepted these Terms and Conditions
• Any query regarding the Offer or any matter related thereof will be entertained only till 60 days post offer end date. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.
• This Offer is a standalone Offer and the benefits offered under this Offer cannot be clubbed together and/or in any way be cumulated with any other offer of SBICPSL in any manner or form.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
• Any disputes arising out of this Offer shall be subject to arbitration under the Indian Arbitration and Conciliation Act, 1996 including any statutory amendments carried thereof. Arbitration shall be conducted by a sole arbitrator appointed by SBICPSL for this purpose and the award of the arbitrator shall be final and binding on the cardholder and SBICPSL. The seat & venue arbitration shall be at New Delhi and the language of arbitration shall be English. Existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• In case of any dispute, decision of SBICPSL shall be final and binding.
• If any term of this offer is held by a court of competent jurisdiction to be invalid or unenforceable, then this offer, including all of the remaining terms, will remain in full force and effect as if such invalid or unenforceable term had never been included.
• Cardholders are not bound in any way to participate in the Offer. Any such participation is voluntary and the same is being made available purely on a 'best effort basis'.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer or cancel the partial or entire offer at its sole discretion without prior notice.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.

• Lower Rate of interest at 13% p.a
• 100% Processing fee waiver for bookings >=50k
• Offer valid b/w 06th Oct – 05th Nov 2020
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com. / Mobile app / ILA
• This offer on Flexipay is valid only for bookings between 6th Oct to 5th Nov 2020, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 06th Oct 2020 to 05th Nov 2020 both days inclusive (“Term”) Any bookings made after offer expiry will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule

Lenskart e-Voucher – Terms and Conditions

• Lower Rate of interest at 13% p.a
• For Digital Channels (Website + Mobile App+ ILA): 100% Processing fee waiver for bookings >=25k (Valid b/w 05th Aug – 29th Aug 2020) both days inclusive
• For Non Digital Channels (Call center): 100% Processing fee waiver for bookings >=50k (Valid b/w 12th Aug – 29th Aug 2020) both days inclusive.
• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer on Flexipay is valid only for bookings between
  • For Digital channels: 05th Aug 2020 and 29th Aug 2020 both days inclusive (“Term”)
  • For Non Digital channels: 12th Aug 2020 and 29th Aug 2020, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 25,000/- (05th Aug – 29th Aug 2020) and 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- (12th Aug – 29th Aug 2020) during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 05th Aug 2020 to 29th Aug 2020 both days inclusive (“Term”) for Digital channels and from 12th Aug 2020 to 29th Aug 2020 both days inclusive (“Term”) for Non Digital channels. Any bookings made after 29th Aug 20120 will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable. For such cancellation scenarios, if the processing fee waiver is provided on the account, the same would be reversed within 60 days of offer closure i.e. by 29th Aug 2020.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:-for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%-for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

• Jio Saavn Pro subscription is subject to approval from SBI Card
• SBI Card's approval here refers to issuance of Credit Card which would be as per SBI Card’s policy & guidelines
• Jio Saavn Pro subscription would be activated by user by entering a pro code which shall be shared by SBI Card with the user
• Pro code is valid for 2 months from the date of issue of Credit Card
• Click on the below link to check steps on how to redeem the Pro code https://help.jiosaavn.com/hc/en-us/articles/360020257792-How-do-I-redeem-a-gift-card-Pro-code-
• For any difficulty in redeeming the Pro codes, please write to feedback@jiosaavn.com
• The voucher will be issued 90 days post Credit card issuance to the customer
• The person who applies through Jio Saavan app will only be eligible to avail this offer on successful credit card issuance by SBI Card
• Any disputes arising out of this Offer between the Cardholder and SBICPSL shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendments thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.

• Details of the Offer – 100% off upto INR 250 to be redeemable on Swiggy’s platform. The offer is valid only on 2 transactions.
• User is eligible for the offer only on issuance of SBI Credit Card to the User in accordance with SBI’s policy.
• Offer is valid on all prepaid payment modes except UPI.
• Offer is valid for a single restaurant bill value only.
• Offer is not applicable on COD orders.
• Offer is applicable only on the cart value (item value) excluding delivery charges, restaurant charges and GST.
• Bundl Technologies Pvt. Ltd. (Swiggy) reserves the right to cancel/ change/modify/add/delete any of the terms and conditions of the offer at any time without notice.
• Bundl Technologies Pvt. Ltd. (Swiggy) reserves the right to terminate the offer at any time without notice.
• Bundl Technologies Pvt. Ltd. (Swiggy) reserves the right to deny honoring the offer on the grounds of suspicion or abuse of the offer by any User without providing User any explanation thereof.
• In no event, shall Bundl Technologies Pvt. Ltd. (Swiggy) be liable for any abuse or misuse of the code due to the negligence of the User.
• The services on Swiggy platform shall be governed by the terms and conditions set out in http://www.swiggy.com/terms-and-conditions (incorporated by reference).
• In case of any query regarding the offer, email to be sent at support@swiggy.in
• Only the Users who apply for SBI’s credit card through the banner available on Swiggy platform shall be eligible for this offer on successful credit card issuance by SBI Card.
• Any disputes arising out of this offer between the Cardholder and SBICPSL shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendments thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.

• Only one voucher is applicable per transaction
• This offer cannot be clubbed with any other offer or schemes.
• Applicable on Vincent Chase and John Jacobs only.
• Lenskart.com reserves the right to change/modify terms and conditions of gift voucher
• Voucher valid till 30th September ’ 2020.

• Only one voucher is applicable per transaction
• This offer cannot be clubbed with any other offer or schemes.
• Applicable on Vincent Chase and John Jacobs only.
• Lenskart.com reserves the right to change/modify terms and conditions of gift voucher
• Voucher valid till 30th September ’ 2020.

• Milkbasket Welcome Cash of ₹ 1000 is subject to SBI card approval
• SBI Card approval here refers to card issuance which would be as per SBI Card’s policy & guidelines
• Milkbasket Welcome Cash will be paid after 90 days of card issuance in the Milkbasket Account of the user who has been issued SBI Credit Card
• Milkbasket Welcome Cash validity will be 180 days from the date of Welcome Cash credit issuance by Milkbasket
• Milkbasket cash will be paid to the Milkbasket registered mobile number account shared by the applicant at the time of filling up the SBI Card application form
• In case the mobile number shared by the applicant at the time of filling up the form is different than Milkbasket registered mobile number, Milkbasket team will contact the applicant to find out the correct mobile number within 45 days of SBI Credit Card issuance
• Please write to offers@milkbasket.com for any information or query – For further information/query, please write to offers@milkbasket.com
• The person who applies through the Milkbasket app will only eligible to avail this offer on successful credit card issuance by SBI Card.
• Any disputes arising out of this Offer between the Cardholder and SBICPSL shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendments thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.

Encash Exclusive Offer on Facebook / Instagram starting from 6th Mar to 31st Mar 2020:

• Only customers who have applied for Encash bookings through Facebook / Instagram lead channel will be applicable for the offer
• Only bookings of above INR 1,50,000 will be eligible for the program
• A processing fee will be charged on the Encash booking amount at 2% subject to a minimum of Rs.499/- and a maximum of Rs.3000/-
• The offer will be valid from 6th Mar to 31st Mar 2020. In addition to this, the below program T&Cs will be applicable
• In addition to mentioned T&Cs Encash T&Cs will be applicable. For details click or visit, https://www.sbicard.com/en/tnc.page#terms#Encash

Encash Pizza Hut Voucher program:

Offer details: Pizza Hut voucher worth INR 2000 for booking Encash on Facebook / Instagram lead channel. Min booking amount: Inr 1.5 lacs

• Offer is valid starting from 6th Mar – 31st Mar 2020 (both dates inclusive)
• The offer fulfillment will be done by 30th Jun 2020
• As a part of the Pizza Hut voucher program, customers are eligible for INR 2000 Pizza Hut voucher on booking through Facebook / Instagram lead channel
• Customers who cancel their bookings during the offer period would not be eligible for the voucher. All cancellations done within 45 days of booking (booking period of 6th Mar to 31st Mar 2020) would not be eligible
• For the program, only 1 Encash bookings per customer will be eligible for voucher program
• The Pizza Hut voucher will be valid for a period of 6 months. In extension to the above Terms and conditions, the below Pizza Hut Terms and conditions will be applicable

Pizza Hut T&C – EGV’s

Terms and Conditions: Pizza Hut

The procedure for redeeming the EGV is as follows:

• To use this card at restaurants, please present the card at time of payment
• To use this card for home delivery via call please quote your 16-digit card number at time of placing the order
• To use this card for home delivery via Online/APP Ordering please select cash on delivery and kindly handover/quote your 16-digit card number at time of receiving the order

Customer Terms and Conditions:

• Pizza Hut Prepaid is issued by Yum! Restaurants India Pvt.Ltd. (“Yum!”) & its authorized franchisees for making payments at participating Pizza Hut Restaurants & Delivery Outlets* in India
• This Card is for one time use & any unused balance (Value/Offer/Coupon etc.) cannot be used again or be exchanged for cash
• Multiple EGVs can be used by the customer in same bill
• All running offers / discounts for the Brand would be valid over and above this EGV. The EGV is a Cash voucher which can be used to settle the final bill after incorporating all running offers / discounts
• No cash refunds will be given against the card (incl. in case of loss or otherwise). Any balance (value/offer/coupon) in this card is valid for 7 months from the date of issue and any unused balance will expire automatically
• Rights to amend terms & conditions reserved with Yum! Without prior notice
• For all amendments, card balance & expiry details, please visit pizzahut.co.in
• The user unconditionally accepts all T&C and shall not raise any disputes in this regard
• All disputes subject to exclusive jurisdiction of courts at New Delhi
• For Balance and expiry check sms your 16 digit card number to 57575500

• Only one voucher is applicable per transaction
• This offer cannot be clubbed with any other offer or schemes.
• Applicable on Vincent Chase and John Jacobs only.
• Lenskart.com reserves the right to change/modify terms and conditions of gift voucher
• Voucher valid till 30th June’ 2020.

• Only one voucher is applicable per transaction
• This offer cannot be clubbed with any other offer or schemes.
• Applicable on Vincent Chase and John Jacobs only.
• Lenskart.com reserves the right to change/modify terms and conditions of gift voucher
• Voucher valid till 30th June’ 2020.

Flexipay Exclusive Offer on Facebook / Instagram

Flexipay Exclusive Offer on Facebook / Instagram starting from 20^th Feb to 20^nd Mar 2020:

• Only customers who have applied for Flexipay bookings through Facebook / Instagram lead channel will be applicable for the offer
• Only Flexipay bookings of above INR 25,000 will be eligible for the program
• Flexipay bookings under this program period will attract an interest rate of 22% p.a. for a minimum booking amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay booking amount at 2% subject to a minimum of Rs.199/- and a maximum of Rs.1000/-
• The offer will be valid from 20th Feb to 20th Mar 2020. In addition to this, the below program T&Cs will be applicable
• In addition to mentioned T&Cs Flexipay T&Cs will be applicable. For details click or visit, https://www.sbicard.com/en/tnc.page

Flexipay Pizza Hut Voucher program:

Offer details: Pizza Hut voucher worth INR 1000 for booking Flexipay on Facebook / Instagram lead channel

• Offer is valid starting from 20^th Feb – 20^th Mar 2020 (both dates inclusive)
• The offer fulfillment will be done by 30th Jun 2020
• As a part of the Pizza Hut voucher program, customers are eligible for INR 1000 Pizza Hut voucher on booking through Facebook / Instagram lead channel
• Customers who cancel their bookings during the offer period would not be eligible for the voucher. All cancellations done within 45 days of booking (booking period of 20th Feb to 20th Mar 2020) would not be eligible
• For the program, only 2 Flexipay bookings per customer will be eligible for voucher program
• The Pizza Hut voucher will be valid for a period of 6 months. In extension to the above Terms and conditions, the below Pizza Hut Terms and conditions will be applicable

Pizza Hut T&C – EGV’s

Terms and Conditions: Pizza Hut

The procedure for redeeming the EGV is as follows:

• To use this card at restaurants, please present the card at time of payment
• To use this card for home delivery via call please quote your 16-digit card number at time of placing the order
• To use this card for home delivery via Online/APP Ordering please select cash on delivery and kindly handover/quote your 16-digit card number at time of receiving the order

Customer Terms and Conditions:

• Pizza Hut Prepaid is issued by Yum! Restaurants India Pvt.Ltd. (“Yum!”) & its authorized franchisees for making payments at participating Pizza Hut Restaurants & Delivery Outlets* in India
• This Card is for one time use & any unused balance (Value/Offer/Coupon etc.) cannot be used again or be exchanged for cash
• Multiple EGVs can be used by the customer in same bill
• All running offers / discounts for the Brand would be valid over and above this EGV. The EGV is a Cash voucher which can be used to settle the final bill after incorporating all running offers / discounts
• No cash refunds will be given against the card (incl. in case of loss or otherwise). Any balance (value/offer/coupon) in this card is valid for 7 months from the date of issue and any unused balance will expire automatically
• Rights to amend terms & conditions reserved with Yum! Without prior notice
• For all amendments, card balance & expiry details, please visit pizzahut.co.in
• The user unconditionally accepts all T&C and shall not raise any disputes in this regard
• All disputes subject to exclusive jurisdiction of courts at New Delhi
• For Balance and expiry check sms your 16 digit card number to 57575500

Offers related to ‘Manage your card’

• Cardholders who completes Digital Onboarding journey & avails any of the offer within 30 days from Digital Onboarding date, gets 100 Reward Points.
• These reward points will be credited only once irrespective of no. of offers availed by the customer.
• Points accumulated by a cardholder on the SBI credit card cannot be combined or used in conjunction with points of his/her other SBI credit cards at the time of redemption or transferred to any other customer loyalty program unless otherwise notified by SBICPSL (formerly known as SBI Cards and Payment Services Private Limited) (hereinafter referred to as SBI Card).
• The points do not constitute property of the cardholder and are not transferable by operation of law or otherwise to any person or entity.
• Adjustment will be made to the points if there are any credits, including those arising from returned goods or services or billing disputes. If a disputed transaction is resolved in favour of the cardholder or where transaction is reversed, proportionate points will also be reversed from the cardholder's account. On redemption the points would automatically be subtracted from points accumulated in the cardholder's account.
• Points can only be accumulated for a period of 24 months from the date of the accrual of reward point under the rewards program. Any points not used by the end of the stipulated 24 months shall lapse and be forfeited.
• In the event the SBI Card is voluntarily closed by the cardholder, the points accumulated on his/her SBI card account can be redeemed within 30 days of closure, otherwise these will automatically lapse. In the event of cancellation of the SBI Card for any other reason, all the points accumulated will stand forfeited, but may be reinstated at the discretion of SBICPSL if the use of SBI Credit Card is reinstated.
• The SBI Credit Card must not be overdue, suspended, blocked, canceled or terminated by SBICPSL at the time of redemption request.
• The points accrued can only be redeemed by the Primary Cardholder and not by an Additional Cardholder.
• The Points may be redeemed at participating merchant establishment for a variety of rewards, as detailed in the program catalogue and other mailers issued by SBICPSL from time to time e.g. merchandise, shopping, dining, travel, fee waivers, financial services and credit card upgrades, however cannot be settled against any outstanding in the account pertaining to Govt. taxes & levies, Balance Transfer, EMI & Cash Withdrawal.”
• Reward Points can only be redeemed in the multiple of 2,000 points unless or otherwise stated.
• The points cannot be exchanged for cash or credit or used to obtain cash advances or used against payment for any charges incurred on the SBI card unless that is part of that particular SBI credit card's feature.
• A fee of ₹ 99 plus Applicable Taxes will be debited to the card account per redemption request towards delivery and processing charges. The same will be charged to the Cardholder in his/her monthly statement.

  OTHER CONDITIONS:

  Fraud and abuse relating to earning and redemption of points in the program will result in the forfeiture of the points as well as termination of the SBI credit card account. SBICPSL or its merchant establishments for administrative and/or marketing purposes may use information supplied by a Cardholder on the redemption of rewards.

  In case any reward points have been wrongfully availed or erroneously awarded and if the same have been redeemed against statement outstanding by Cardholder, then it can be adjusted back as statement debit on the card account.

  The reward points that are accrued on your Card account shall be immediately forfeited on the occurrence of any of the following events:

  • The Cardholder fails to make the Payment on the card which is due for a period greater than 90 days.
  • The Cardholder fails to make payment of the outstanding dues on its Card Account and opts for settlement of the outstanding payment due on the Card account.
  • The Cardholder is found to be involved in a fraud on its own Card account after an investigation is carried out by SBICPSL.
  • The Cardholder’s failure to comply with the regulatory norms.
  • In the event of death of the Cardholder.

  In the event that the Cardholder does not initiate any transaction on his card for a period of 13 consecutive months, the reward point balance shall be forfeited at the end of the 13th month.

  In the event that the Cardholder misses two consecutive payments, the rewards points that were accrued during the first cycle for which payment was not made will be forfeited.

  In the event of a voluntary closure of the Card account by the Cardholder, the unutilized reward point balance shall be forfeited after a period of 30 days from the date of closure of the Card Account.

  Any taxes or other liabilities or charges payable to the government or any other authority or any participating merchant establishment which may arise or accrue to a cardholder by redemption as aforesaid or otherwise as a result of the program shall be to the sole account of the cardholder.

  SBICPSL reserves the right to cancel, change or substitute the rewards or the rewards conditions or the computations of points or terms and conditions of the program anytime. SBICPSL can suspend or terminate the program any time it deems necessary. In such a case SBICPSL will intimate the cardholder and give them an option to redeem the accumulated points.

  Products/Gifts/Vouchers/e-Vouchers once redeemed by the cardholder, shall not be cancelled.

  SBICPSL makes no warranties or representations either expressed or implied with regard to the type, quality or fitness of the goods and services provide by the participating merchant establishment under the program.

  The Program does not in any way amend the Cardholder agreement between SBICPSL and the cardholder and any term referenced but not defined herein may be interpreted in accordance with the cardholder agreement.

  SBICPSL acts in good faith in response to any oral or electronic instruction or enquiry by the Cardholder in respect of any matter in relation to this program and fulfillment of any reward. The cardholder will not be entitled to claim or allege any loss, damage, liability, expense etc. attributable directly or indirectly, to any such good faith action of SBICPSL.

  Any disputes arising out of the Offer between the Cardholder and SBICPSL shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.

  SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.

Flexipay Festive Offer- Book at low interest rate of 13% and enjoy 100% Processing fee waiver (Valid b/w 08-Nov-2019 to 12-Dec-2019).

Lower Rate of interest at 13% p.a

100% Processing fee waiver for bookings >=50k (Valid b/w 08th Nov – 12th Dec 2019)

• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer on Flexipay is valid only for bookings between 08th Nov 2019 and 12th Dec 2019 -both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.199/- and a maximum of Rs.1000/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- (08th Nov – 12th Dec 2019) during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 08th Nov 2019 to 12th Dec 2019 (“Term”). Any bookings made after 12th Dec 2019 will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.199/- and a maximum of Rs.1000/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable. For such cancellation scenarios, if the processing fee waiver is provided on the account, the same would be reversed within 60 days of offer closure i.e. by 12th Feb 2019.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  • -for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • -for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• All and any disputes or differences arising from the Offer shall be subject to arbitration within the meaning of the Indian Arbitration and Conciliation Act, 1996. A sole arbitrator appointed by SBICPSL for this purpose shall carry out arbitration of all such disputes and/or differences. The award of the arbitrator shall be final and binding on the disputing parties. The place of arbitration shall be New Delhi and the language of arbitration shall be English. Existence of a difference /dispute shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

  Amortization Schedule

  Sr. No.	Billing date	Installment	Interest	Principal	Balance	Taxes (#)
  1	01-Oct-19	893.2	108.3	784.8	9215.2	19.5
  2	01-Nov-19	893.2	99.8	793.3	8421.8	18.0
  3	01-Dec-19	893.2	91.2	801.9	7619.9	16.4
  4	01-Jan-20	893.2	82.6	810.6	6809.3	14.9
  5	01-Feb-20	893.2	73.8	819.4	5989.9	13.3
  6	01-Mar-20	893.2	64.9	828.3	5161.6	11.7
  7	01-Apr-20	893.2	55.9	837.3	4324.3	10.1
  8	01-May-20	893.2	46.9	846.3	3478.0	8.4
  9	01-Jun-20	893.2	37.7	855.5	2622.5	6.8
  10	01-Jul-20	893.2	28.4	864.8	1757.8	5.1
  11	01-Aug-20	893.2	19.0	874.1	883.6	3.4
  12	01-Sep-20	893.2	9.6	883.6	0.0	1.7

  Principal	10000
  Installment	893.2
  R.O.I	13.00%
  Tenure	12

  "Applicable Taxes" means:

  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
  • This rate of interest is used to calculate the monthly repayment amount

Flexipay Festive Offer- Book at low interest rate of 13% and enjoy 100% Processing fee waiver (Valid bw 29-Oct-2019 to 7-Nov-2019)

Lower Rate of interest at 13% p.a

100% Processing fee waiver for bookings >=25k (Valid b/w 29th Oct – 7th Nov 2019)

• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or by way of online booking made via sbicard.com.
• This offer on Flexipay is valid only for bookings between 29th Oct 2019 and 7th Nov 2019 -both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.199/- and a maximum of Rs.1000/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 25,000/- (29th Oct – 7th Nov 2019) during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 29th Oct 2019 to 7th Nov 2019 (“Term”). Any bookings made after 7th Nov 2019 will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.199/- and a maximum of Rs.1000/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable. For such cancellation scenarios, if the processing fee waiver is provided on the account, the same would be reversed within 60 days of offer closure i.e. by 7th Jan 2019.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means: -for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9% -for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• All and any disputes or differences arising from the Offer shall be subject to arbitration within the meaning of the Indian Arbitration and Conciliation Act, 1996. A sole arbitrator appointed by SBICPSL for this purpose shall carry out arbitration of all such disputes and/or differences. The award of the arbitrator shall be final and binding on the disputing parties. The place of arbitration shall be New Delhi and the language of arbitration shall be English. Existence of a difference /dispute shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule

"Applicable Taxes" means: for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9% for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

This rate of interest is used to calculate the monthly repayment amount

Lower Rate of interest at 13% p.a

100% Processing fee waiver for bookings >=50k (Valid b/w 15^th Oct – 28th Oct 2019)

• This offer is on Flexipay facility and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• The Flexipay facility is not available to the delinquent and any other ineligible Cardholders determined as per the internal policy of SBICPSL. Accordingly, approval of Flexipay facility is at the sole and absolute discretion of SBICPSL.
• The Flexipay facility may be availed of by the Cardholders by way of telephone calls to the Helpline Number(s) - 39020202 / 1860 180 1290 (prefix local STD code) and/or  by way of online booking made via sbicard.com. 
• This offer on Flexipay is valid only for bookings between 15^th Oct 2019 and 28^th Oct 2019 -both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. for a minimum amount of Rs. 2500/- and above. Additionally a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.199/- and a maximum of Rs.1000/-.
• As a part of the offer, cardholder would be eligible to get a 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- (15^th Oct – 28^th Oct 2019) during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The SBI Credit cardholder can call up SBICPSL help line within 30 days of the purchase or before the payment due date (whichever is earlier) and ask for transfer of the said retail transaction amount to Flexipay.
• Eligible cardholders can call up the SBICPSL Helpline 39020202 / 1860 180 1290 (prefix local STD code) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 15^th Oct 2019 to 28th Oct 2019 (“Term”). Any bookings made after 28th Oct 2019 will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.199/- and a maximum of Rs.1000/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• The Flexipay facility from SBICPSL is available over different tenures of 3, 6, 9, 12, 24 and 36 months, subject to the option exercised by the SBI Credit Cardholders. The tenure option of 36 months is only available for transaction amount greater than or equal to Rs. 30,000/- and booking amount greater than or equal to 30,000/-.
• At any given month the portion of the monthly repayment amount applied towards interest is determined by multiplying the monthly reducing interest rate with the principal outstanding after the deduction of the previous month repayment amount. In other words, the reducing rate of interest is the rate which when charged brings the outstanding principal to zero at the end of the tenor, where the interest charged is calculated on the reducing principal balance. Illustrative example of amortization scheduled given in clause No.38.
• For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term (“Eligible Term”). If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% p.m. will be levied on the transaction amount for the period beginning from the date of transaction to the date on which Flexipay conversion takes place. Additionally it is clarified that irrespective of the foregoing charges, a cardholder who has not paid the Minimum Amount Due (“MAD”) in full, late payment charges will be levied.
• It is clarified that, if the said retail transaction is paid in full the same cannot be converted to Flexipay. If the transaction amount is partially paid and the unpaid amount is equal to or more than Rs.2500/-, only the unpaid balance amount can be converted to Flexipay.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• The transfer of retail purchase transaction(s) to Flexipay will only be allowed if Current Balance Amount (Billed and Unbilled) + Interest + Processing Fee is less than the Credit Limit available at the time of transfer to the Flexipay.
• It is stipulated, if the SBI credit cardholder is revolving at the time of request for transfer of retail purchase to Flexipay, he will continue to be charged the standard credit card charge of 3.35% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder next billing statement and continue over the Flexipay tenure. The Flexipay monthly installment (s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The MAD will be 5% of the SBICPSL holder existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly installment due (or all Flexipay monthly installments due in case of multiple Flexipays booked by the Cardholder).
• Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments.
• Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% p.m. on the unpaid Flexipay monthly installments
• In the event of non-payment / short payment of the Minimum Amount Due (MAD) for more than three successive months or 90 days whichever is earlier, the Flexipay shall be closed on 91st day and the principal outstanding along with the outstanding interest accrued till the date of such closure shall be debited to the Credit Card Account and appear in the subsequent monthly statement. SBICPSL shall be entitled to demand immediate repayment of such consolidated outstanding amounts. As a part of the Credit Card Account, this balance will now attract all the charges including finance charges at the credit card rate of interest, over-limit charges in the event account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed. In this scenario, the processing fee waiver provided on the Flexipay facility would not be applicable. For such cancellation scenarios, if the processing fee waiver is provided on the account, the same would be reversed within 60 days of offer closure i.e. by 28^th Dec 2019.
• The SBICPSL cardholder can make request for cancellation of Flexipay by calling the SBICPSL helpline. On receipt of this request, the outstanding Flexipay principal amount is moved back to SBICPSL cardholders retail balance and a cancellation fee of 3% of Principal outstanding post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.
• At the time of cancellation of Flexipay, if the SBICPSL cardholders account is revolving, then the above mentioned amount (Flexipay Principal Amount + Cancellation fee) will be added to the revolving balance and will attract a standard credit card interest charges.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date/ before the Payment Due Date (whichever is earlier).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• The terms and conditions of Flexipay bookings may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the Flexipay bookings already done.
• SBI credit cardholders are not bound in any way to participate in this program. Any such participation is voluntary. Flexipay is offered by SBICPSL on best effort basis.
• "Applicable Taxes" means:
  -for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  -for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18% 
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• All and any disputes or differences arising from the Offer shall be subject to arbitration within the meaning of the Indian Arbitration and Conciliation Act, 1996. A sole arbitrator appointed by SBICPSL for this purpose shall carry out arbitration of all such disputes and/or differences. The award of the arbitrator shall be final and binding on the disputing parties. The place of arbitration shall be New Delhi and the language of arbitration shall be English. Existence of a difference /dispute shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such  agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:    

Amortization Schedule

"Applicable Taxes" means:

for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%

for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

* This rate of interest is used to calculate the monthly repayment amount

• Only one voucher is applicable per transaction.
• This offer cannot be clubbed with any other offer or schemes.
• Lenskart.com reserves the right to change/modify terms and conditions of gift voucher
• Voucher valid till 30^th September 2019.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.

Offer Summary

• 5% Cashback + Additional 2000 Reward Points at Pai International, Pai Mobiles and Smart Electronics stores.
• Min Trnx. amount: Rs.17,500
• Validity: 06-14 Jul ’19

Terms & Conditions:

• This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with PAI International Pvt Ltd (“Merchant”) and is open to all residents of India holding a valid and current SBI Credit Card (“Cardholder”) and to whom a communication is sent either by SBICPSL and/or Merchant.
• The Validity of the Program (“Term”) is from 06-14 July ’19 (both days included), unless extended by SBICPSL and the Merchant. 3
• Under this Program:
  • A Cardholder can avail Cash back and Reward Points on all product purchases at PAI International, PAI Mobiles and Smart Electronics outlets using SBI Credit card as below, during the term.

• Additional manufacturer cashback/discount given by the OEM brand will also be applicable on such transactions.
• Each transaction will be considered under the best applicable offer, in case the transaction is eligible under more than one offers by SBI Credit Card.
• The Cardholder is eligible for Maximum Cash back of Rs.2000 under the 5% Cashback offer during offer period. An additional 2000 Reward Points over and above 5% cashback is also a part of this offer. Thus, total maximum benefit eligibility per card account: Rs.2000 + 2000 RPs, during offer period.
• This exclusive offer is only applicable to customers who receive this communication.
• This Program is not applicable on SBI Corporate Card.
• EMI transactions will also be applicable under the offer. Any additional cashback given by the manufacturer brand will also be applicable on such transactions.
• Each transaction will be considered under the best applicable offer, in case the transaction is eligible under more than one offers by SBI Credit Card.
• The Cashback and Reward Points under this Program shall be credited in the account of the Cardholder by 30 August 2019.
• EMI tenures allowed are - 3,6,9,12,18 and 24 months. (availability of tenure may differ across Brands & products)
• 14% Rate of Interest applicable on Monthly Reducing Balance for 3,6,9 & 12 months tenure and for 18 & 24 months 15% Rate of Interest applicable on Monthly reducing Balance.
• Any query regarding this Program or the cashback shall only be entertained till 30th Aug 2019. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Program from any cardholder.
• SBICPSL does not endorse any of the products or brands being offered under the Program and will not accept any liability pertaining to the quality, delivery or after sales service of such products which shall be at the sole liability to Merchant.
• All the existing offers, gifts, discounts etc. that are being offered by the Merchant can be availed by the Cardholders over and above of this exclusive offer as mentioned in the communication
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on our website, are representative only and may not bear a resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Products offered under this Program are subject to availability from the respective participating outlets of Merchant and accordingly SBICPSL in no circumstances shall be liable for non-availability of any of the products.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant
• All government levies such as sales tax, TDS, local taxes, octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The existence of a dispute, if at all, shall not constitute a claim against SBICPSL.
• Cardholders are not bound in any way to participate in the Program and any participation is deemed to be voluntary.
• “SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to this Program or cancel the entire or partial offer at any time at its own discretion and without Notice.

Pai International Stores List