SBI Credit Card Offers

This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Vivo Mobiles (“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 duration of the Program (“Term”) is from 23 March 2019 – 12 May 2019 (both days included), unless extended by SBICPSL and the Merchant.
Under this Program:
- A cardholder can avail 5% Cashback on transaction at select merchant outlets and shop.vivo.com using SBI Credit card as below, during the program duration

Cashback	5% Cashback
Valid on	V15 Pro (6+128G) , V11 Pro (6+64G), V11 (6+64G), Nex, Y95 (4+64G), Y93 (4+32G), Y93 (3+64G), Y83 Pro, Y81, Y81i
Offer valid for	Max one transaction per card per month during offer validity
For Retail / POS Transaction : Cashback Offer is valid only on transactions done on Pinelabs swipe machine under 'Brand EMI' option & only if '5% Cashback' is mentioned on chargeslip. Customers are requested to retain charge slip for 180 days post program end date. For Online Offer : Offer valid only on shop.vivo.com

This Program is not applicable on SBI Corporate Card
Cashback also applicable on merchant EMI transactions done at the time of purchase.
14% Rate of interest applicable on 3, 6, 9, 12 tenure transaction on monthly reducing balance &

15% Rate of interest applicable on 18 & 24 tenure transaction on monthly reducing balance on EMI transactions.
5% Cashback will be posted as Post Facto Cashback: 90 days from Offer end date , on 12 Aug 2019.
(For Retail / POS transaction : Vivo might give ‘Manufacturer Cashback’ on SBI Credit Card 3, 6, 9,12 Month EMI Transactions on select products. In such cases, the ‘Manufacturer Cashback’ will be posted upfront at the time of conversion. Such transactions will be eligible for 5% Cashback offer subject to meeting offer criteria & terms. Eg. : If for 3 month EMI transaction, Vivo is bearing 2.29% Cashback, then the total Cashback customer could be eligible for will be 2.29% + 5% i.e. 7.29% . However 5% Cashback out of 7.2% will be posted later to cardholder’s account)
Pre-Order: Cashback offer is also valid on Pre Orders at POS merchants , subject to the condition that the Pre order amount & balance payment is done by same card only on Pinelabs swipe machines at the same merchant outlet. The balance payment needs to be done within 7 days of Phone model being available at merchant outlet. For eg. If for smartphone worth Rs. 30,000 , Rs. 2000 is the token amount for Pre order then card holder has to use the same card for both Rs. 2000 & Rs. 28000 transaction at the same merchant outlet. Please check pre-order chargeslip for communication on date when balance payment needs to be done for cashback eligibility. Other Preorder T&Cs as set by Vivo will additionally apply. Cashback will not be posted on account of any wrong swipe or pre-order process not being followed by the merchant on Pinelabs swipe machine.
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.
Delinquent and over-limit SBI credit card members will not qualify for this Offer.
The above Offer is by way of a special offer for SBI Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement and Convert2EMI terms and conditions. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement and Convert2EMI terms and conditions.
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 GST, 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 for SBI Credit Card 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 & reserves the right to modify or change any of the terms and conditions applicable to this Program at any time at its own discretion.