• Up to ₹20000 Instant Discount at Value Plus outlets.
• Min. Trxn- ₹20000
• Max. Discount Per Card- ₹20000 (EMI- ₹12000; No EMI- ₹8000)
• Also Valid on EMI Transactions

• This Marketing Program (“Offer”) is offered by SBI Card & Payment Services Ltd. (“SBICPSL”) under an arrangement with VALUE PLUS RETAIL Pvt. Ltd. (“Partner”).
• It is open to all legal residents of India holding a valid and current SBI/Tata Credit Card excluding SBI/Tata Corporate Credit Card, Cashback SBI Credit Card and SBI Paytm Cobrand Card (“Cardholder”). Offer is not valid on Rupay Credit Card transactions done via UPI.
• The Validity of the Program (“Term”) is as per the below period
• 09.10.2026 (00:00 hrs) till 20.10.2026 (23:59 hrs), (both days including)
• 01.11.2026 (00:00 hrs) till 06.11.2026 (23:59 hrs), (both days including) unless extended by VALUE PLUS RETAIL Pvt. Ltd. by mutual consent in writing for a further period “additional term”.
• Under this Program, cardholder can avail:
  • Up to ₹20000 Instant Discount at Value Plus Outlets.

  Offer	EMI Transaction		No EMI Transaction
  	Transaction Slabs	Discount Amount	Transaction Slabs	Discount Amount
  	₹20000-₹49999	5.00%	₹30000-₹39999	₹1250
  	₹50000-₹69999	₹3000	₹40000-₹59999	₹1750
  	₹70000-₹99999	₹4000	₹60000-₹99999	₹2500
  	₹100000-₹149999	₹6000	₹100000-₹149999	₹4000
  	₹150000-₹249999	₹7500	₹150000-249999	₹6000
  	>=₹250000	₹12000	>=₹250000	₹8000
  Min. Transaction	₹ 20000		₹ 30000
  Max. Discount per card	₹ 12000		₹ 8000
  Max Discount per card (EMI + No EMI)	₹20000 (EMI ₹12000+ No EMI ₹8000)

• Offer is valid only on transactions done on Pine labs POS terminals at Value Plus Outlets (mentioned on www.sbicard.com) using SBI Credit card, during the offer term.
• Offer is applicable once per card per month each on EMI transaction & Full Swipe transaction on Pine labs POS terminals only.
• Offer on EMI transaction available on EMI tenor of 6 months or above.
• No two offers can be clubbed together e.g. customer will be eligible for an OEM offer but not for an offer running at Value Plus stores.
• Valid only on transactions done on Pine Labs swipe machine under 'Bank EMI' option & only if charge slip mentions that the transaction will be considered for instant discount eligibility basis offer T&C. Customers are requested to retain charge slip for 180 days post program end date.
• Delinquent and blocked SBI/Tata Cardholders will not qualify for this Offer.
• In case of full cancellation/return of your order, transaction will not qualify for the Offer under this program. If you cancel a part of your order, you will qualify for the Offer only on the net amount you pay on the basis eligibility and meeting minimum transaction amount.
• Applicable Rate of Interest (on monthly reducing balance) and Processing Fee will be levied in case of Merchant EMI transactions. Please check with store staff/chargeslip/merchant payment page for details. In addition to the mentioned T&C SBI Card’s Merchant EMI T&Cs will also be applicable. For details, pls check https://www.sbicard.com/en/offer-terms-conditions.page

Other Terms and Conditions:

• The above Offer is by way of a special offer for SBI/Tata Credit Cardholders only excluding SBI/Tata Corporate Credit Cardholders and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement between SBI and their Clients. The terms of the above Program shall be in addition to and not in derogation of the terms contained in the card member agreement, Merchant EMI Terms and Conditions and Rewards Terms & Conditions.
• Any query regarding the program will be entertained only till 06.11.2026. Post such date, SBICPSL & VALUE PLUS RETAIL PVT. LTD. will not entertain any correspondence or communication in any manner whatsoever regarding this Program from any persons.
• As per Rewards Terms & Conditions, Reward points accrued on offer eligible transactions will be forfeited. Reward points will be forfeited for all transactions done during offer period and considered for Offer computation. At the time of forfeiture in case the Cardholder has inadequate Reward Point balance, then an amount equivalent to Reward Points to be Forfeited will be debited from the Cardholder’s account. Effective offers launched from 15 January 2026, reward points forfeiture will be processed within 90 days of Cashback posting date for Cashback offers. In case of Instant Discount offers effective offers launched 15th January,2026 reward points forfeiture will be processed within 120 days of end of offer month. For example, an Instant discount offer ends on 15th January 2026. In this case, end of offer month will be 31st January 2026. Hence, Reward Points forfeiture will happen after 31st January 2026 and before/on 31st May 2026.
• 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 a resemblance to the actual products. None of the parties shall under any circumstances be responsible towards the same.
• Products offered under this program are subject to availability from the respective participating merchants/sellers of VALUE PLUS RETAIL PVT. LTD. and accordingly SBICPSL in no circumstancesshall be liable for non-availability of any of the products.
• SBICPSL shall adhere, cater and ensure on best effort basis to perform the agreed terms and conditions of the program.
• Under no circumstances will the offer/cashback being offered under this Program be settled with cash in lieu by SBICPSL or by VALUE PLUS RETAIL PVT. LTD..
• Returned transactions, disputed transactions (closed in customer favour) or unauthorized/fraudulent transactions will not be considered for the Offer.
• SBICPSL will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by VALUE PLUS RETAIL PVT. LTD. on products/services made available by it and the same shall be at the sole risk and consequences of VALUE PLUS RETAIL PVT. LTD.. and without reference to SBICPSL.
• 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.
• This Offer shall be subject to all applicable laws, rules and regulations which are in existence and which may be promulgated anytime by any statutory authority.
• SBICPSL reserves the right to disqualify the Cardholder(s) from the benefits of the Offer, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the said Offer or otherwise by use of the Card subject to intimation to VALUE PLUS RETAIL PVT. LTD. of such disqualification.
• Any person availing this Offer shall be deemed to have accepted these terms and conditions.
• SBICPSL and VALUE PLUS RETAIL PVT. LTD. reserve the right, at any time, without prior notice andwithout assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.
• Delinquent SBI/Tata credit card members will not qualify for this Offer.
• Cardholders are not bound in any way to participate in this Offer. Any participation is voluntary and the Offer is being made purely on a best effort basis.
• Nothing herein amounts to a commitment by SBICPSL to conduct further, similar or other Offers.
• Any disputes arising out of the Offer between SBICPSL and Cardholder shall be subject to arbitration by a sole arbitrator to be 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, India and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL or VALUE PLUS RETAIL PVT. LTD. or any of its affiliates.
• 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.