Offer Terms and Conditions

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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

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

Please Click Here for the Guide

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” available athttps://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 <>subject to their receiving a specific offer related communication via SMS/E-mail or Whatsapp.
• This is a limited period offer and will be valid for New Additional Card issued until 31st Dec, 2025 or till the date as mentioned in the offer communication sent to the cardholder via SMS/E-mail or Whatsapp.
• Under the offer, the Cardholder shall be eligible for an Amazon Pay Gift Card worth INR 250 upon successful issuance of a new card against the communication received.
• The offer shall be fulfilled within 60 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 60 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.
• These terms and conditions apply to Amazon Pay Gift Cards (Gift Cards) issued by Pine Labs Private Limited (Pine Labs) under the Brand Name of Qwikcilver and co-branded with Amazon Pay (India) Private Limited (Amazon Pay). Pine Labs is a private limited company organized under the laws of India and is the issuer of the Gift Cards. You may purchase Gift Cards through various options available on www.amazon.in corresponding mobile site and mobile application ("Amazon.in"), and also use Gift Cards provided to you by third parties in the manner provided hereunder. By purchasing or using a Gift Card, you are agreeing to and accept these terms and conditions.
• A customer can add a maximum of INR 50,000 of Amazon Pay Gift cards in a calendar month.
• The Add Gift Card to balance limit includes purchases from all sources.
• Amazon reserves the right to modify this (Add Gift Card to balance) limit at any point of time.
• ‘Add Gift Card to balance Limit’ resets at the beginning of each calendar month; a customer can resume adding Gift Card after this reset.
• Amazon reserves the right to offer exceptions to the monthly claim limit based on specific corporate use cases.
• For more details, please visit the link below:https://www.amazon.in/gp/help/customer/display.html?nodeId=201936990
• For any queries related to GV / GC, raise a request atwww.gftr.it/amzcc.
• To redeem your GC, visitwww.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 athttps://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, if applicable. 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 or mobile app as applicable.
• 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 in the 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, 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 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.]
• 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.

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

Merchant EMI (Convert2EMI) Terms & Conditions

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.

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

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.