Sbi credit card
Cards For You
Corporate Cards
Paynet- Pay Online
Track Application
Forms Central
Contact Us
Username:
Password:
 
To use Virtual keyboard click here.
 
Secure Sign in
Offer Terms & Conditions

Offer Terms & Conditions

Click on expand to expand and on minimise to minimise the details.

  • Utility Offer: 15th July to 15th Aug - Rs 500 Pepperfry e-voucher on Utility spends

    Program Terms and Conditions


    1. Utilities Offer Program Period – 15th July’15 to 15th August’15

    2. OFFER: Flat Rs 500 Discount e-GV from Pepperfry.com on Utilities and Insurance transactions made by SBI Credit Cardholders during program period. Rs 500 e-GV valid on min transaction amount of Rs 1500 at Pepperfry.com and Pepperfry app.

    3. SBI Card will send E-GV codes to eligible cardholders by SMS/Email by 31st Aug’15.

    4. Eligible cardholders will be decided basis transactions done on Utilities and Insurance MCCs as defined by VISA/MasterCard. SBICPSL shall not consider any transaction not following within the purview of these MCC definitions.

    5. e-GV will be valid from 31st Aug’15 till 31st Oct’15.

    6. E-GV will be valid on applicable on Furniture, furnishing, Home décor, Lamps & Lighting category products purchased on Pepperfry.com only

    7. Cardholder will be eligible for only one GV during the offer period.

    8. Discount through E-GV code will be over and above existing discounts on a product/s at Pepperfry.com at the time of usage of e-GV code within e-GV validity period

    9. The e- gift voucher codes can be redeemed and used only once per transaction

    10. Any B2B orders, under this promotion, would be cancelled. The decision of Trendsutra Platform Services Pvt. Ltd. would be final & binding in this respect.

    11. Trendsutra Platform Services Private Limited reserves the right of inclusion or exclusion of any SKU from the promotion.

    12. E-GV code provided by Pepperfry will be valid on purchases done through both website & mobile app

    13. The terms and conditions of Gift Voucher usage at pepperfry.com apply additionally to SBI Card terms and conditions

    Other Terms and Conditions

    1. This marketing program (“Program”) is from SBI Cards & Payment Services Private Ltd. (“SBICPSL”) and is open to all residents of India holding a valid, current and unblocked SBI Credit Card (“Cardholder”) and to whom a communication is sent by SBICPSL

    2. The Validity of the Program (“Program period”) shall be effective from the Effective Date (hereinafter ‘Term’)  from 15th July’15 to 15th August’15 (Both days included)

    3. The program is valid on successful online Utility transactions only. Utility transactions include :

    o Telecom and DTH recharges and bill payments
    o Insurance Premium
    o Electricity and water bills
    Subject to above being classified under ‘Utilities’ & ‘Insurance’ MCC as defined by VISA/MasterCard. SBICPSL shall not consider any transaction not following within the purview of these MCC definitions.

    4. Under this program:

    o Utility Spenders per transaction win Rs 500 e-gift vouchers from www.pepperfry.com.  Cardholders will be eligible for only one pepperfry e-gift voucher during the offer period
    o Rs 500 e-gift voucher valid on a minimum spend of Rs 1500 & above at pepperfry.com
    o The e-gift Vouchers validity is as per the merchant and  SBICPSL holds no responsibility over the extension of the validity of E-gift Vouchers
    o E-GV will be valid on applicable on Furniture, furnishing, Home décor, Lamps & Lighting category products purchased on Pepperfry.com only
    o Program valid on all online utility transactions made through SBI Card
    o The eligible cardholders of the program shall be provided e-GV codes through email and/or SMS on their registered email address and mobile number respectively.

    5. This Program is not applicable on SBI Corporate Cards

    6. SBICPSL reserves the right to disqualify/ exclude any Cardholder/s from the Program if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Program or otherwise by use of the Card

    7. If the Cardholder ceases to be the Cardholder at any time during the Program period, or before dispatch of the Gift, all the benefits under the Program shall lapse and shall not be available to the Cardholder

    8. If the Cardholder becomes delinquent at any time during the Program period or before dispatch of e-GV, all the benefits under the Program shall lapse and shall not be available to the Cardholder.

    9. SBICPSL shall not be held liable for any delay or loss that may be caused in delivery of the e-GV.

    10. Any query regarding the program will be entertained till 16th September 2015. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Program from any cardholder.

    11. 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/Manufacturer.

    12. SBICPSL shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services availed of by the Cardholder/s under the Program.

    13. All the existing offers, gifts, discounts etc., that are being offered can be availed by the Cardholders apart from this exclusive program as mentioned in the communication.

    14. 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.

    15. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits accruing under the Program  shall be borne solely by the Cardholder/s and SBICPSL will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues.

    16. The Program is not available wherever prohibited and / or on merchandise / products / services for which such programs cannot be offered for any reason whatsoever.

    17. Any disputes arising out of the Program 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. All disputes are subject to the exclusive jurisdiction of the competent courts of Delhi

    18. Cardholders are not bound in any way to participate in the Program. Any such participation is voluntary and the same is being made purely on a “best effort basis”.

    19. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to this Program or completely withdraw program at any time without prior notice to the cardholders.

    20. These Terms shall be in addition to and not in substitution / derogation to the Primary Terms and Conditions governing the Credit Card of SBICPSL. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the Primary Terms and Conditions.

  • Delhi Duty Free cashback offer terms

     


    TERMS & CONDITIONS

    1. This marketing program (“Programme”) is from SBI CARD & PAYMENT SERVICES PRIVATE LTD. (“SBICPSL”) under an arrangement with DELHI DUTY FREE SERVICES PRIVATE LIMITED (“Merchant”) and is open to all residents of India holding a valid and current SBI Credit Card (“Cardholder”) and does not carry any usage restriction The Validity of the Program (“Term”) is from September 05, 2015 – October 05, 2015 (Both days included), unless extended by SBICPSL and Merchant.

    2. OFFER CONSTRUCT:

    o Cardholder can avail Cash back as follows on purchases made at Merchant’s Stores in Indira Gandhi International Airport, Terminal 3 (Arrival/Departure):

    Total Spends by the Cardholder at Merchant’s Stores

    Cashback by SBICPSL

    SINGLE TRANSACTION OF US $100 worth of spends & above

    INR.750/-

     

    3. Cashback is provided per single transaction of US$ $100.

    4. A maximum of 2 transactions are eligible for Cashback per credit card account, during the offer period

    5. This Programme is not applicable on SBI Corporate Card.

    6. Cash back to be credited to the card account of the Cardholder only by 30th Oct 2015 by SBICPSL.

    7. Any query regarding the cash back will be entertained till 15th Nov 2015 by SBICPSL. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Programme from any cardholder.

    8. SBICPSL does not endorse any of the products or brands being offered under the Programme 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.

    9. Cashback provided is over and above any offer or discount extended by the Merchant as part of any other arrangement.

    10. Pictures of products shown in the communication sent to the Cardholder either through mailers or advertised on our website or otherwise, are representative only and may not bear a resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.

    11. Products offered under this programme 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.

    12. Under no circumstances will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant.

    13. All government levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable.

    14. It is the Cardholders responsibility to comply with the local customs and excise laws while making purchase of products at Merchant’s Stores. SBICPSL and Merchant does not take responsibility for violation of the same.

    15. Any disputes arising out of the Programme 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 and/or Merchant. The courts at New Delhi, India shall have exclusive jurisdiction to try and entertain any dispute arising out of this Programme.

    16. Cardholders are not bound in any way to participate in the Programme. Any such participation is voluntary and the same is being made purely on a “best effort basis”.

    17. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to this Programme or to withdraw or cancel this Programme at any time with/without prior notice to the Cardholders.

  • Qatar Airways discount offer terms

    1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement Qatar Airways and Doha Duty Free and is open to everyone holding valid and current SBI Credit Card (“Cardholder”) and to whom a communication is sent either by SBICPSL and/or Merchant, where the cardholder does not have any usage restrictions imposed by SBICPSL

    2. The Validity of the Program (“Term”) is from 1st day of September to 30th Day of November, 2015 (both days inclusive) unless extended by SBICPSL and Merchant.

    3. OFFER Construct:

    • Get up to 10% off on Business and Economy Class Fares

    4. Offer available on flying to US, Europe, Africa and Gulf destinations only

    5. The travel validity is from 01st September to 31st March 2016

    6. Blackout dates are applicable and the booker would need to check at the time of booking

    7. The offer is not valid on previously (prior to offer period) purchased tickets

    8. The offer is not applicable in combination with any other promotion

    9. Offer and seats are subject to availability

    10. Offer provides the normal Qatar Airways baggage allowance. Any additional baggage will be charged as per normal baggage policy.

    11. Date change, reissue, refund charges will be applicable as per the fare rules

    12. Aircraft features may vary depending on the aircraft configuration

    13. Any query regarding the discount will be entertained till 15th Jan 2016. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Programme from any cardholder.

    14. 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.

    15. The Exclusive offers/discounts under these Programs cannot be clubbed with any other offer or discount extended by the participating brands as part of any other arrangement.

    16. All the existing offers, gifts, discounts etc., that are being offered can be availed by the Cardholders apart of this exclusive offer as mentioned in the communication.

    17. 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.

    18. 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.

    19. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant

    20. 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.

    21. 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 any, shall not constitute a claim against SBICPSL.

    22. Cardholders are not bound in any way to participate in the Programs. Any such participation is voluntary and the same is being made purely on a “best effort basis”.


    SBICPSL reserves the right to modify or change any of the terms and conditions applicable to this Program at any time with/without prior notice to the cardholders.

  • Qatar Duty Free cashback offer terms

    Terms & Conditions

    1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement Qatar Airways and Doha Duty Free and is open to everyone holding valid and current SBI Credit Card (“Cardholder”) and to whom a communication is sent either by SBICPSL and/or Merchant, where the cardholder does not have any usage restrictions imposed by SBICPSL

    2. The Validity of the Program (“Term”) is from 1st day of September to 30th Day of September, 2015 (both days inclusive) unless extended by SBICPSL and Merchant.

    3. OFFER Construct:

    o Cardholder can avail Cash back on purchases at the Qatar DUTY FREE STORES using SBI Credit card as below, during the term.  Store Address mentioned herein

    Total Spends

    Cashback

    $100 worth of spends & above

    5%

    4. Maximum Cash back per card account during the offer period will be Rs. 1000.

    5. Cash Back will on the INR value of the spend

    6. Standard conversion markup will be charged on all Foreign currency Transactions as applicable

    7. Cashback on Duty Free Spends is not applicable on SBI Corporate Card

    8. Cash back to be credited to the card account by 15th  November 2015

    9. Any query regarding the cash back will be entertained till 15th Jan 2016. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Programme from any cardholder.

    10. 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.

    11. The Exclusive offers/discounts under these Programs cannot be clubbed with any other offer or discount extended by the participating brands as part of any other arrangement.

    12. All the existing offers, gifts, discounts etc., that are being offered can be availed by the Cardholders apart of this exclusive offer as mentioned in the communication.

    13. 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.

    14. 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.

    15. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant

    16. 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.

    17. 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 any, shall not constitute a claim against SBICPSL.

    18. Cardholders are not bound in any way to participate in the Programs. Any such participation is voluntary and the same is being made purely on a “best effort basis”.

    SBICPSL reserves the right to modify or change any of the terms and conditions applicable to this Program at any time with/without prior notice to the cardholders.

  • Segmented Add-on Card Offer - Jabong & Foodpanda

    The Program: Food Panda

    1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Foodpanda are open to all residents of India holding a valid and current  TATA Credit Card (“Cardholder”) and to whom a communication is sent either by SBICPSL.

    2. Offer is only valid on booking TATA Card Add-on Card before September 30, 2015 and minimum one transaction with the Add-on Card before October 31, 2015

    3. The Validity of the Program (“Term”) is from 19th August’2015 to 15th Novemeber’2015 (Both days included), unless extended by SBICPSL and Foodpanda by mutual consent in writing.

    4. Under this program, TATA Cardholders to get a flat Rs 200 discount on a minimum purchase of Rs. 400 & above from Foodpanda on the total purchase value on the first transaction made on Foodpanda by the customer on the Foodpanda Mobile App. The Cardholder need to enter the Coupon code as specified in the communication.

    5. It is applicable only on Online Payment made through Foodpanda Mobile App.

    6. Offer is valid only on delivery orders, and cannot be availed for pick up orders.

    7. This program is applicable to all residents of India holding a valid and current TATA Credit Card, except for Corporate Card.

    8. The coupon will be valid till 15th November, 2015.

    9. The Exclusive offers/discounts under these Programs cannot be clubbed with any other offer or discount extended by the participating brands as part of any other arrangement.

    10. All the discounts that are being offered can be availed by the Cardholders apart of this exclusive offer as mentioned in the communication.

    11. The products and/or services offered under this program are at the sole responsibility and liability of the participating Merchants, at their exclusive costs and consequences. SBICPSL does not endorse nor recommends the quality, suitability/ fitness for a particular purpose(s), merchantability, delivery and after sale services (if applicable) of the products and/or services being offered and/or made available under this program. Accordingly, SBICPSL will  not be responsible and liable for any/all matters/claims connected therewith including but not limited to product/service liability, quality, fitness for a particular purpose(s), merchantability, defects, deficiency, representations, warranties etc., with respect to such products and/or services.

    12. 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. SBICPSL shall under no circumstances be responsible towards the same.

    13. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Foodpanda

    14. SBICPSL will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered Foodpanda on its products and the same shall be at the sole risk and consequences of Foodpanda and without reference to SBICPSL. 

    15. 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.

    16. 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 any, shall not constitute a claim against SBICPSL.

    17. Cardholders are not bound in any way to participate in the Programs. Any such participation is voluntary and the same is being made purely on a “best effort basis”.

    18. SBICPSL and Foodpanda reserves the right to modify or change any of the terms and conditions applicable to this Programme at any time with/without prior notice to the cardholders.

     The Program: Jabong

    1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Jabong  are open to all residents of India holding a valid ,current and unblocked TATA Credit Card (“Cardholder”) and to whom a communication is communicated through an appropriate medium chosen at the sole option and discretion of SBICPSL.

    2. Offer is only valid on booking TATA Add-on Card before September 30, 2015 and minimum one transaction with the Add-on Card before October 31, 2015

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL. 

    4. The cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    5. Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    6. Eligible cardholders will be entitled to an e-voucher (“E-Voucher”) subject to the terms and conditions as contained herein. These terms are jointly set forth by Jabong  and SBICPSL.

    7. Under this program, TATA Cardholders to get a discount of 30% on a minimum purchase of Rs. 999 & above from www.jabong.com on the total purchase value on the first transaction made by the customer on www.jabong.com (“Website”) ”Offer”/”Programme”). The Cardholder need to enter the Coupon code as specified in the communication sent to the customer. This offer shall be valid till 31st December 2015 (‘Term’) unless extended by the parties in mutual consent in writing.

    8. Offer is applicable on select products and brands

    9. TATA Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at Jabong, using the coupon code specified. All TATA Cardholders must therefore visit the Jabong Website and use their TATA Card while making the payment.

    10. TATA Cardholders should contact Jabong directly in case of any difficulty or queries in relation to the use of the Website and/or redemption of the E-Vouchers. 

    11. E-Vouchers can only be redeemed/ used within the validity period i.e. until 31st December 2015 as notified to the TATA Cardholder via the email/SMS.

    12. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Jabong (as modified by Jabong from time to time) and it is the sole responsibility of the TATA Cardholder to check and comply with these terms and conditions.

    13. TATA Cardholders should check with Jabong directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.

    14. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www. Jabong.com against the e-voucher.

    15. Every TATA Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this Voucher Offer General Terms and Conditions of Promotion.

    16. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.

    Other Terms & Conditions

    1. The products and/or services offered under this offer are at the sole responsibility of the participating Merchant 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.

    2. 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. SBICPSL shall under no circumstances be responsible towards the same.

    3. 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. E-Vouchers will not be re-issued in case of loss or deletions (accidental or otherwise) of e-mail /SMS, and will not be extended, revalidated or reissued if not redeemed   within the validity period.

    4. Any person availing this offer shall be deemed to have accepted these Terms and Conditions.

    5. This Program is not applicable on TATA Corporate Card

    6. If the Card Holder ceases to be the Card Holder at any time during the Program period, or before dispatch of the Gift, all the benefits under the Program shall lapse and shall not be available to the Card Holder

    7. If the Card Holder becomes delinquent at any time during the Program period or before dispatch of Gift, all the benefits under the Program shall lapse and shall not be available to the Card Holder.

    8. The Exclusive offers/discounts under these Programs cannot be clubbed with any other offer or discount extended by the participating brands as part of any other arrangement.

    9. SBICPSL  will not be responsible for any non-receipt (for any reason) by Cardholders of their E-Voucher entitlements, including without limitation, due to failure of transmission of the coupon code via email, SMS or other registered contact details of the Cardholder.

    10. Whilst information about the Promotion is correct at the time of publication, SBICPSL may discontinue, amend, vary and/or withdraw the Promotion (or any aspect of it, including terms and conditions thereof) at any time with/without prior notice.

    11. For the avoidance of doubt, SBICPSL will not be obliged to publish or reveal under any circumstances the list of qualifying Cardholders, any information relating to coupon code under the Promotion, or the selection process under the Promotion except as may be mandated by law.

    12. If a cardholder has more than one TATA Credit Card, he/she must confirm the specific TATA Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    13. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL. This offer will be governed by and construed in accordance with Indian law

    14. In case of any dispute, decision of SBICPSL shall be final and binding.

    15. 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.

    16. SBICPSL   and the partner reserve the right to modify or change any of the terms and conditions applicable to the Offer with/without prior notice.

    17. These Terms shall be in addition to and not in substitution / derogation to the Primary Terms and Conditions governing the Credit Card of SBICPSL. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the Primary Terms and Conditions.

  • Flexipay offer - Book at low interest rate of 7%(for 24 month tenure) & 7.5%(for all other tenures) & enjoy upto 100% Processing fee waiver (24-Aug to 2-Sep’15)

    Limited period – Flexipay segmented pricing program offer Terms & Conditions –

     Lower Rate of interest at 7.5% flat p.a + Upto 100% Processing fee waiver for 3, 6, 9, 12 & 36 months
     Lower Rate of interest at 7% flat p.a + 100% Processing fee waiver for 24 month

    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)  or 1800 180 1290 (toll free) and/or  by way of online booking made via www.sbicard.com

    4. This offer on Flexipay is valid only for bookings between 24th Aug 2015 and 2nd Sep 2015 -both days inclusive (“Term”).

    5. Flexipay bookings made under 3, 6, 9, 12 & 36 months tenure will attract an interest rate of 7.5% flat p.a. & bookings made under the 24 month tenure will attract an interest rate of 7% flat p.a. (corresponding reducing rate for 24 month tenure is mentioned in clause 12) 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/-.

    6. As a part of the offer, cardholder would be eligible to get a 50% processing fee waiver for Flexipay bookings greater than or equal to Rs. 30,000/- during the offer “Term” for a 3 & 6 months tenure and 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 30,000 during the offer “Term” for a 9, 12, 24 & 36 months tenure.

    7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 2500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel and Jewelry transactions (in view of guidelines issued by the Reserve Bank of India) 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. 2500/- and above can be clubbed together to avail the offer.  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) or 1800 180 1290 (toll free) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – www.sbicard.com during the offer Term.

    10. This offer on Flexipay is valid from 24th Aug 2015 to 2nd Sep 2015 (“Term”). Any bookings made after 2nd Sep 2015 will attract an interest rate of 14.5% flat 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.

    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. The reducing interest rate applicable for different tenures are as follows:

     

    Tenure (Months) ~ corrs. to flat rate of 7.5%

     Reducing interest rate

    (annualized)

    3

    11.22%

    6

    12.74%

    9

    13.30%

    12

    13.57%

    36

    13.69%

     For 24 months :

     

    Tenure (Months) ~ corrs. to flat rate of 7%

     Reducing interest rate
    (annualized)

    24

    12.91%

    13. 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.40.
     

    14. 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.

    15. 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.

    16. In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme.

    17. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 2500/- 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 Processing Fee waiver offer is applicable only for Flexipay booking amount greater than or equal to Rs. 30,000/-.

    18. 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.

    19. 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.

    20. 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.

    21. A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.

    22. Flexipay monthly installment is calculated as (Flexipay Principal Amount + Flexipay interest charge)/ Tenure. Example: Principle amount is Rs.10,000/-, Interest rate is 7.5% p.a. and Tenure is 24 months. The total interest charge will be (10,000 * 7.5% * 24/12) = Rs.1500/-. The EMI is calculated as (10,000/- + 1500/-)/24.


    23. Flexipay monthly installment schedule will begin from the SBICPSLholder 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.

    24. The MAD will be 5% of the SBICPSLholder 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).

    25. 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.

    26. 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

    27. 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.

    28. 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 2nd Sep 2015.


    29. 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.

    30. 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.

    31. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on www.sbicard.com and/or any other medium chosen by SBICPSL.

    32. 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).

    33. No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.

    34. Transfer from one Flexipay to another will not be entertained.

    35. 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.

    36. 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.

    37. Government service tax shall be levied on all fees, interest charges, etc as applicable.

    38. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com

    39. 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.


    40. Illustrative example of amortization schedule:  

    Amortization schedule

    Sr. No.

     Billing date

    Installment

    Interest

    Principal

    Balance

    GST#

    1

    24-Aug-15

    895.83

    113.06

    782.78

    9217.22

    15.83

    2

    24-Sep-15

    895.83

    104.21

    791.63

    8425.59

    14.59

    3

    24-Oct-15

    895.83

    95.26

    800.58

    7625.02

    13.34

    4

    24-Nov-15

    895.83

    86.2

    809.63

    6815.39

    12.07

    5

    24-Dec-15

    895.83

    77.05

    818.78

    5996.61

    10.79

    6

    24-Jan-15

    895.83

    67.79

    828.04

    5168.57

    9.49

    7

    24-Feb-16

    895.83

    58.43

    837.4

    4331.17

    8.18

    8

    24-Mar-16

    895.83

    48.97

    846.87

    3484.3

    6.86

    9

    24-Apr-16

    895.83

    39.39

    856.44

    2627.86

    5.51

    10

    24-May-16

    895.83

    29.71

    866.12

    1761.73

        4.16

    11

    24-Jun-16

    895.83

    19.92

    875.92

    885.82

    2.79

    12

    24-Jul-16

    895.83

    10.01

    885.82

    0.00

    1.40

     

    Principal

     10000

    Installment

    895.83

    R.O.I

    7.50%

    Tenure

    12

    # Government Service Tax calculated @ 14% of interest component.

  • Flexipay offer - Book at low interest rate of 12% and enjoy upto 100% Processing fee waiver (valid between 24-Aug-2015 to 2-Sep-2015)

    Limited period – Flexipay segmented pricing program offer Terms & Conditions – Lower rate of interest at 12% flat p.a + Upto 100% Processing fee waiver

    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) or 1800 180 1290 (toll free) and/or   by way of online booking made via www.sbicard.com

    4. This offer on Flexipay is valid only for bookings between 24th Aug 2015 and 2nd Sep 2015 -both days inclusive (“Term”).

    5. Any booking under this offer will attract an interest rate of 12% flat p.a. (corresponding reducing rates for various tenures are mentioned in clause 12) on booking a single Flexipay 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/-.

    6. As a part of the offer, cardholder would be eligible to get a 50% processing fee waiver for Flexipay bookings greater than or equal to Rs. 30,000/- during the offer “Term” for a 3 & 6 months tenure and 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 30,000 during the offer “Term” for a 9, 12, 24 & 36 months tenure .

    7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 2500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel and Jewelry transactions (in view of guidelines issued by the Reserve Bank of India) 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. 2500/- and above can be clubbed together to avail the offer.  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) or 1800 180 1290 (toll free) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – www.sbicard.com during the offer Term.

    10. This offer on Flexipay is valid from 24th Aug 2015 to 2nd Sep 2015 (“Term”). Any bookings made after 2nd Sep 2015 will attract an interest rate of 14.5% flat 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.

    11. The Flexipay facility from SBICPSL is available over different tenures of  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. The reducing interest rate applicable for different tenures are as follows:

    Tenure (Months) ~ corrs. to flat rate of 7.5%

     Reducing interest rate

    (annualized)

    6

    20.29%

    9

    21.11%

    12

    21.46%

    24

    21.57%

    36

    21.20%


     
    13. 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.40.

    14. 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.

    15. 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.

    16. In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme.

    17. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 2500/- 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 Processing Fee waiver offer is applicable only for Flexipay booking amount greater than or equal to Rs. 30,000/-.

    18. 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.

    19. 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.

    20. 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.

    21. A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.

    22. Flexipay monthly installment is calculated as (Flexipay Principal Amount + Flexipay interest charge)/ Tenure. Example: Principle amount is Rs.10,000/-, Interest rate is 12% p.a. and Tenure is 24 months. The total interest charge will be (10,000 * 12% * 24/12) = Rs.2400/-. The EMI is calculated as (10,000/- + 2400/-)/24.

    23. Flexipay monthly installment schedule will begin from the SBICPSLholder 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.

    24. The MAD will be 5% of the SBICPSLholder 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).

    25. 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.

    26. 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

    27. 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.

    28. 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 2nd Sep 2015.

    29. 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.

    30. 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.

    31. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on www.sbicard.com and/or any other medium chosen by SBICPSL.

    32. 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).

    33. No request for Flexipay will be entertained within 90 days of SBICPSL cardholder’s flipping/change of card request.

    34. Transfer from one Flexipay to another will not be entertained.

    35. 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.

    36. 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.

    37. Government service tax shall be levied on all fees, interest charges, etc as applicable.

    38. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com

    39. 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.

    40. Illustrative example of amortization schedule:  

     
    Amortization schedule

    Sr. No.

     Billing date

    Installment

    Interest

    Principal

    Balance

    GST#

    1

    24-Aug-15

    933.33

    178.81

    754.52

    9245.48

    25.03

    2

    24-Sep-15

    933.33

    165.32

    768.02

    8477.46

    23.14

    3

    24-Oct-15

    933.33

    151.59

    781.75

    7695.71

    21.22

    4

    24-Nov-15

    933.33

    137.61

    795.73

    6899.99

    19.26

    5

    24-Dec-15

    933.33

    123.38

    809.95

    6090.03

    17.27

    6

    24-Jan-15

    933.33

    108.9

    824.44

    5265.59

    15.25

    7

    24-Feb-16

    933.33

    94.15

    839.18

    4426.42

    13.18

    8

    24-Mar-16

    933.33

    79.15

    854.18

    3572.23

    11.08

    9

    24-Apr-16

    933.33

    63.88

    869.46

    2702.77

    8.94

    10

    24-May-16

    933.33

    48.33

    885.01

    1817.77

    6.77

    11

    24-Jun-16

    933.33

    32.5

    900.83

    916.94

    4.55

    12

    24-Jul-16

    933.33

    16.4

    916.94

    0

    2.30

    Principal

     10000

    Installment

    933.33

    R.O.I

    12.00%

    Tenure

    12

    # Government Service Tax calculated @ 14% of interest component.

  • Utility segmented Offer: 1st Aug to 31st Aug – Rs 200 Foodpanda e- voucher on Utility spends

    Utilities program: Foodpanda

    1. Utilities Offer Program Period – 1st Aug to 31st Aug’15
    2. OFFER: Flat Rs 200 Discount e-voucher from Foodpanda on Utilities transactions made by SBI Credit Cardholders during program period. Rs 200 e-Voucher valid on min transaction amount of Rs 350 at Foodpanda app.
    3. SBI Card will send e-voucher codes to eligible cardholders by SMS/Email by 30th Sept’15
    4. e-voucher will be valid from 15th Sept till 30th Nov’15
    5. Only one e-voucher per eligible customer will be given during program period
    6. The e- voucher codes can be redeemed and used only once per transaction
    7. Any B2B orders, under this promotion, would be cancelled. The decision of Foodpanda would be final & binding in this respect.
    8. e-voucher code provided by Foodpanda will be valid on purchases done through mobile app only
    9. The terms and conditions of e-voucher usage at Foodpanda app apply additionally to SBI Card terms and conditions

    Other Terms and Conditions
    10. This marketing program (“Program”) is from SBI Cards & Payment Services Private Ltd. (“SBICPSL”) and is open to all residents of India holding a valid, current and unblocked SBI Credit Card (“Cardholder”) and to whom a communication is sent by SBICPSL
    1. The Validity of the Program (“Program period”) shall be effective from the Effective Date (hereinafter ‘Term’)  from 1st Aug to 31st Aug’15 (Both days included)
    2. The program is valid on successful online Utility transactions only. Utility transactions include
    o Telecom and DTH recharges and bill payments
    o Insurance Premium
    o Electricity and water bills

    3. Under this program:
    o Utility Spenders per transaction win Rs 200 e-vouchers from Foodpanda. Cardholders will be eligible for only one Foodpanda e-voucher during the offer period
    o Rs 200 e-voucher valid on a minimum spend of Rs 350 & above at Foodpanda app
    o The e-vouchers validity is as per the merchant and  SBICPSL holds no responsibility over the extension of the validity of e-vouchers
    o e-voucher will be valid till 30th Nov’15
    o Program valid on all online utility transactions made through SBI Card
    o The eligible cardholders of the program shall be provided e-voucher codes through email and/or SMS on their registered email address and mobile number respectively.

    4. This Program is not applicable on SBI Corporate Cards
    5. The Offer is not valid on AutoPay/SI transactions
    6. E-voucher eligibility is decided basis transactions done on Utility MCCs as defined by VISA/MasterCard
    7. The offer is only applicable to cardholders to whom the offer has been communicated
    8. SBICPSL reserves the right to disqualify/ exclude any Card Holder/s from the Program if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Program or otherwise by use of the Card
    9. If the Card Holder ceases to be the Card Holder at any time during the Program period, or before dispatch of the Gift, all the benefits under the Program shall lapse and shall not be available to the Card Holder
    10. If the Card Holder becomes delinquent at any time during the Program period or before dispatch of e-voucher, all the benefits under the Program shall lapse and shall not be available to the Card Holder.
    11. SBICPSL shall not be held liable for any delay or loss that may be caused in delivery of the e-voucher.
    12. Any query regarding the program will be entertained till 16th Oct 2015. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Program from any cardholder.
    13. 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/Manufacturer.
    14. SBICPSL shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services availed of by the Card Holder/s under the Program.
    15. All the existing offers, gifts, discounts etc., that are being offered can be availed by the Cardholders apart from this exclusive program as mentioned in the communication.
    16. 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.
    17. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits accruing under the Program  shall be borne solely by the Card Holder/s and SBICPSL will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues.
    18. The Program is not available wherever prohibited and / or on merchandise / products / services for which such programs cannot be offered for any reason whatsoever.
    19. Any disputes arising out of the Program 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. All disputes are subject to the exclusive jurisdiction of the competent courts of Delhi
    20. Cardholders are not bound in any way to participate in the Program. Any such participation is voluntary and the same is being made purely on a “best effort basis”.
    21. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to this Program or completely withdraw program at any time without prior notice to the cardholders.
    22. These Terms shall be in addition to and not in substitution / derogation to the Primary Terms and Conditions governing the Credit Card of SBICPSL. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the Primary Terms and Conditions.

  • Encash website offer – Book Encash online for INR 150K or more and enjoy 100% Processing fee waiver (valid between 1-Aug-2015 to 30-Sep 2015)

    1. This Encash ‘100% Processing Fee waiver for online bookings greater than or equal to 150k’ Offer ("Offer") is made by SBI Cards & Payment Services Pvt. Ltd ("SBICPSL") to certain SBICPSL Credit Cardholder ("Cardholders"). 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.

    2. This offer is applicable only for Encash bookings done on www.sbicard.com, by the eligible cardholders, during the offer period. SBICPSL Cardholders who book Encash on www.sbicard.com during the offer period would be eligible for 100% Processing Fee waiver on Encash booking equal to or greater than INR 1,50,000.

    3. The offer is valid from 1st August 2015 to 30th September 2015. (Both days inclusive).

    4. Encash carries a reducing rate of interest and such reducing rate of interest shall be communicated to the Cardholder vide an amortization schedule duly recorded in the Encash sanction letter issued by SBICPSL to the Cardholder. This Reducing rate of interest shall be charged to the Cardholder on the offered principal amount and 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 30 herein below.

    5. The Rate of Interest applicable for Encash facility is card member specific as decided by SBICPSL Cards at its sole discretion and intimated to the card member prior to availing the facility. The rate of interest offered to a customer is determined by factors such as, but not limited to:
    a. Past transaction / repayment behavior of the customer
    b. Credit risk profile
    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 7% - 24.55%.

    6. Encash also carries a one-time Processing fees of 2% of the booking amount subject to a minimum of INR 499 and a maximum of INR 3000

    7. 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 SBICPSL. All fees / charges applicable to the facility may or may not be dynamic and are subject to modifications based on SBICPSL periodic internal review.

    8. 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 SBICPSL. 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 INR 10,000 (Ten Thousand Only).

    9. The aforesaid general terms and conditions dealing with interest rate etc under Clauses 5 to 8 are applicable on all Encash Offerings irrespective of the specific benefits under this Offer.

    10. The Cardholders will be offered the option of availing the benefits under this Offer by requesting for at par Cheque.

    11. 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.

    12. The monthly repayment schedule will begin from the SBICPSL Cardholder next billing statement and continue over the tenure period chosen for the Offer.

    13. The Minimum Amount Due (MAD) will be 5% of the SBICPSL 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).

    14. Non Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.35%p.m. on the unpaid monthly repayment amounts.

    15. Under Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.35%p.m. on the unpaid monthly repayment amounts.

    16. 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. 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 the Account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.

    17. The SBICPSL Cardholder is supposed to pay the MAD in full to avoid getting delinquent.

    18. The SBICPSL cardholder shall be levied a foreclosure fee amounting to 3% of the Principal amount outstanding in case of the Offer being voluntarily pre-closed by the customer prior to the maturity of the tenure period opted for. The principal outstanding is calculated basis reducing interest rate as shown in the amortization scheduled sent along with Encash Cheque/ Draft. In the illustration mentioned in point 30 the “balance” column will be used to calculate the foreclosure amount for example if the cardholder forecloses in the 5th month the foreclosure amount will be calculated as INR 12097.82*3% =Rs 362.93.

    19. In the event, a cardholder puts a cancellation request, within 45 days of Offer getting booked then all fees charged will be reversed. Notwithstanding above it is clarified that the applicable charges will not be reversed once a cheque or a draft issued to the cardholder has been cleared and resulted in a clear credit to the Cardholder account . Any cancellations after 45 days of Offer getting booked, the fees charged will not be reversible and the same shall be charged to the cardholder.

    20. No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.

    21. 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.

    22. Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.

    23. Government service tax shall be levied on all fees, interest charges etc. as applicable.

    24. 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.

    25. By availing this Offer and by conducting a financial transaction (encashing the Encash Demand Draft / Cheque), and/or by booking the Offer online on www.sbicard.com, 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.

    26. No request from Add-on being additional SBICPSL Cardholder other than primary Cardholder will be entertained for booking of Offer or availing benefits under this offer

    27. SBICPSL may at its sole option and discretion withdraw this Offer with prior notice any time before the Encash Demand draft / cheque has been honoured/banked.

    28. The cardholder would generally receive the instrument within 3 working days (for Metro locations) or 5 working days of booking (for all other locations). 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 may also occur in the event of customer address is incomplete/untraceable/shifted or scenarios when the customer is not available. SBICPSL  would not be held liable in the event of non-delivery of the instrument within the specified timeline.

    29. 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.

    30. Illustrative example of amortization schedule:

    Sr. No.

    MRA Billing Date* (Rs.)

    MRA$(Rs.)

    Interest(Rs.)

    Principal(Rs.)

    Balance(Rs.)

    GST#(Rs.)

    1

    25-Jul-15

    1,833.33

    299.53

    1,533.80

    18,466.20

    41.93

    2

    25-Aug-15

    1,833.33

    276.56

    1,556.77

    16,909.43

    38.72

    3

    25-Sep-15

    1,833.33

    253.25

    1,580.09

    15,329.34

    35.45

    4

    25-Oct-15

    1,833.33

    229.58

    1,603.75

    13,725.59

    32.14

    5

    25-Nov-15

    1,833.33

    205.56

    1,627.77

    12,097.82

    28.78

    6

    25-Dec-15

    1,833.33

    181.19

    1,652.15

    10,445.67

    25.37

    7

    25-Jan-16

    1,833.33

    156.44

    1,676.89

    8,768.78

    21.9

    8

    25-Feb-16

    1,833.33

    131.33

    1,702.01

    7,066.77

    18.39

    9

    25-Mar-16

    1,833.33

    105.84

    1,727.50

    5,339.28

    14.82

    10

    25-Apr-16

    1,833.33

    79.96

    1,753.37

    3,585.91

    11.2

    11

    25-May-16

    1,833.33

    53.7

    1,779.63

    1,806.28

    7.52

    12

    25-Jun-16

    1,833.33

    27.05

    1,806.28

    0

    3.79

     

     

     

     

     

     

     

     

     

     

     

     

     

     

     

     

     

    Request Id

     0000000

    Principal

     Rs.20,000

    MRA

     Rs. 1,833.33

    R.O.I **

     10.00% p.a.

    Tenure

     12 Months

     

     

     

     

     

     

     

    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 Government Service Tax
    # Government Service Tax calculated @ 14% of interest component.
    ** - This is the flat rate of interest and is used to calculate the monthly repayment amount. The above flat rate of interest translates into 17.97% p.a. reducing interest rate.

  • Flexipay offer - Book at low interest rate of 7.5% and enjoy Processing fee waiver (valid between 16-July-2015 to 31-July-2015)

    Flexipay burst offer Terms & Conditions – Lower Rate of interest at 7.5% flat p.a+ Processing fee waiver

    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)  or 1800 180 1290 (toll free) and/or  by way of online booking made via www.sbicard.com

    4. This offer on Flexipay is valid only for bookings between 16th Jul 2015 and 31st Jul 2015 -both days inclusive (“Term”).

    5. Any booking under this offer will attract an interest rate of 7.5% flat p.a. (corresponding reducing rates for various tenures are mentioned in clause 12) on booking a single Flexipay 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/-.

    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”.


    7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 2500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel and Jewelry transactions (in view of guidelines issued by the Reserve Bank of India) 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. 2500/- and above can be clubbed together to avail the offer.  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) or 1800 180 1290 (toll free) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – www.sbicard.com during the offer Term.

     10. This offer on Flexipay is valid from 16th Jul 2015 to 31st Jul 2015 (“Term”). Any bookings made after 31st Jul 2015 will attract an interest rate of 14.5% flat 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.

    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. The reducing interest rate applicable for different tenures are as follows:

    Tenure (Months)

     Reducing interest rate

    (annualized)

    3

    11.22%

    6

    12.74%

    9

    13.30%

    12

    13.57%

    24

    13.80%

    36

    13.69%

     
    13. 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.40.

    14. 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.

    15. 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.

    16. In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme.

    17. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 2500/- 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 Processing Fee waiver offer is applicable only for Flexipay booking amount greater than or equal to Rs. 50,000/-.

    18. 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.

    19. 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.

    20. 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.

    21. A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.

    22. Flexipay monthly installment is calculated as (Flexipay Principal Amount + Flexipay interest charge)/ Tenure. Example: Principle amount is Rs.10,000/-, Interest rate is 7.5% p.a. and Tenure is 24 months. The total interest charge will be (10,000 * 7.5% * 24/12) = Rs.1500/-. The EMI is calculated as (10,000/- + 1500/-)/24.


    23. Flexipay monthly installment schedule will begin from the SBICPSLholder 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.

    24. The MAD will be 5% of the SBICPSLholder 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).

    25. 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.

    26. 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

    27. 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.

    28. 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 31st July 2015.


    29. The SBICPSLholder 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 SBICPSLholders 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.

    30. At the time of cancellation of Flexipay, if the SBICPSLholders 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.

    31. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on www.sbicard.com and/or any other medium chosen by SBICPSL.

    32. 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).

    33. No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.

    34. Transfer from one Flexipay to another will not be entertained.

    35. 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.

    36. 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.

    37. Government service tax shall be levied on all fees, interest charges, etc as applicable.

    38. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com

    39. 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.

    40. Illustrative example of amortization schedule:  

    Amortization schedule

    Sr. No.

     Billing date

    Installment

    Interest

    Principal

    Balance

    GST#

    1

    18-Jul-15

    895.83

    113.06

    782.78

    9217.22

    15.83

    2

    18-Aug-15

    895.83

    104.21

    791.63

    8425.59

    14.59

    3

    18-Sep-15

    895.83

    95.26

    800.58

    7625.02

    13.34

    4

    18-Oct-15

    895.83

    86.2

    809.63

    6815.39

    12.07

    5

    18-Nov-15

    895.83

    77.05

    818.78

    5996.61

    10.79

    6

    18-Dec-15

    895.83

    67.79

    828.04

    5168.57

    9.49

    7

    18-Jan-16

    895.83

    58.43

    837.4

    4331.17

    8.18

    8

    18-Feb-16

    895.83

    48.97

    846.87

    3484.3

    6.86

    9

    18-Mar-16

    895.83

    39.39

    856.44

    2627.86

    5.51

    10

    18-Apr-16

    895.83

    29.71

    866.12

    1761.73

        4.16

    11

    18-May-16

    895.83

    19.92

    875.92

    885.82

    2.79

    12

    18-Jun-16

    895.83

    10.01

    885.82

    0

    1.4

     

    Principal

     10000

    Installment

    895.83

    R.O.I

    7.50%

    Tenure

    12

    # Government Service Tax calculated @ 14% of interest component. 

  • Flexipay offer - Book at low interest rate of 12% and enjoy Processing fee waiver (valid between 16-July-2015 to 31-July-2015)

    Flexipay burst offer Terms & Conditions – Lower Rate of interest at 12% flat p.a+ Processing fee waiver

    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) or 1800 180 1290 (toll free) and/or   by way of online booking made via www.sbicard.com

    4. This offer on Flexipay is valid only for bookings between 16th Jul 2015 and 31st July 2015 -both days inclusive (“Term”).

    5. Any booking under this offer will attract an interest rate of 12% flat p.a. (corresponding reducing rates for various tenures are mentioned in clause 12) on booking a single Flexipay 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/-.

    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”.


    7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 2500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel and Jewelry transactions (in view of guidelines issued by the Reserve Bank of India) 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. 2500/- and above can be clubbed together to avail the offer.  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) or 1800 180 1290 (toll free) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – www.sbicard.com during the offer Term.


    10. This offer on Flexipay is valid from 16th Jul 2015 to 31st July 2015 (“Term”). Any bookings made after 31st July 2015 will attract an interest rate of 14.5% flat 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.

    11. The Flexipay facility from SBICPSL is available over different tenures of  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. The reducing interest rate applicable for different tenures are as follows:

    Tenure (Months)

     Reducing interest rate

    (annualized)

    6

    20.29%

    9

    21.11%

    12

    21.46%

    24

    21.57%

    36

    21.20%

     
    13. 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.40.

    14. 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.

    15. 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.

    16. In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme.

    17. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 2500/- 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 Processing Fee waiver offer is applicable only for Flexipay booking amount greater than or equal to Rs. 50,000/-.

    18. 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.

    19. 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.

    20. 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.

    21. A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.

    22. Flexipay monthly installment is calculated as (Flexipay Principal Amount + Flexipay interest charge)/ Tenure. Example: Principle amount is Rs.10,000/-, Interest rate is 12% p.a. and Tenure is 24 months. The total interest charge will be (10,000 * 12% * 24/12) = Rs.2400/-. The EMI is calculated as (10,000/- + 2400/-)/24.


    23. Flexipay monthly installment schedule will begin from the SBICPSLholder 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.

    24. The MAD will be 5% of the SBICPSLholder 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).

    25. 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.

    26. 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

    27. 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.

    28. 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 31st July 2015.


    29. The SBICPSLholder 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 SBICPSLholders 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.

    30. At the time of cancellation of Flexipay, if the SBICPSLholders 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.

    31. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on www.sbicard.com and/or any other medium chosen by SBICPSL.

    32. 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).

    33. No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.

    34. Transfer from one Flexipay to another will not be entertained.

    35. 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.

    36. 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.

    37. Government service tax shall be levied on all fees, interest charges, etc as applicable.

    38. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com

    39. 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.

    40. Illustrative example of amortization schedule:  

    Amortization schedule 

    Sr. No.

     Billing date

    Installment

    Interest

    Principal

    Balance

    GST#

    1

    18-Jul-15

    933.33

    178.81

    754.52

    9245.48

    25.03

    2

    18-Aug-15

    933.33

    165.32

    768.02

    8477.46

    23.14

    3

    18-Sep-15

    933.33

    151.59

    781.75

    7695.71

    21.22

    4

    18-Oct-15

    933.33

    137.61

    795.73

    6899.99

    19.26

    5

    18-Nov-15

    933.33

    123.38

    809.95

    6090.03

    17.27

    6

    18-Dec-15

    933.33

    108.9

    824.44

    5265.59

    15.25

    7

    18-Jan-16

    933.33

    94.15

    839.18

    4426.42

    13.18

    8

    18-Feb-16

    933.33

    79.15

    854.18

    3572.23

    11.08

    9

    18-Mar-16

    933.33

    63.88

    869.46

    2702.77

    8.94

    10

    18-Apr-16

    933.33

    48.33

    885.01

    1817.77

    6.77

    11

    18-May-16

    933.33

    32.5

    900.83

    916.94

    4.55

    12

    18-Jun-16

    933.33

    16.4

    916.94

    0

    2.30

    Principal

     10000

    Installment

    933.33

    R.O.I

    12.00%

    Tenure

    12

    # Government Service Tax calculated @ 14% of interest component.

  • Flemingo Duty Free Cashback offer

    Terms & Conditions

    1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with FLEMINGO DUTY FREE STORES PVT. LIMITED (“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.


    2. The Validity of the Program (“Term”) is from Jul 15, 2015 – AUG 16, 2015 (Both days included), unless extended by SBICPSL and Merchant.
    3. OFFER Construct:


    o Cardholder can avail Cash back on purchases at the merchant outlets listed in Annexure B (FLEMINGO DUTY FREE STORES) using SBI Credit card as below, during the term.

     

    Total Spends

    Cashback

    $100 worth of spends & above

    5%

    4. Maximum Cash back per card account during the offer period will be Rs. 1000.


    5. Cash Back will on the INR value of the spend


    6. Standard conversion mark up of 3.5% will be charged on all Foreign currency spends plus Govt. Service Tax


    7. Cash back will be calculated on the transaction amount excluding the Forex Mark-up fees


    8. This Programme is not applicable on SBI Corporate Card


    9. Cash back to be credited to the card account by 15th Oct 2015


    10. Any query regarding the cash back will be entertained till 10th Nov 2015. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Programme from any cardholder.


    11. 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.


    12. The Exclusive offers/discounts under these Programs cannot be clubbed with any other offer or discount extended by the participating brands as part of any other arrangement.


    13. All the existing offers, gifts, discounts etc., that are being offered can be availed by the Cardholders apart of this exclusive offer as mentioned in the communication.


    14. 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.


    15. 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.


    16. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant


    17. 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.

    18. 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 any, shall not constitute a claim against SBICPSL.


    19. Cardholders are not bound in anyway to participate in the Programs. Any such participation is voluntary and the same is being made purely on a “best effort basis”.


    20. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to this Program at any time with/without prior notice to the cardholders.

     

    S.NO

    Airport Name

    City

    State

    1

    Trivandrum International Airport

    TRIVANDRUM

    Kerala

    2

    Netaji Subhash Chandra Bose International Airport

    KOLKATA

    West Bengal

    3

    Calicut International Airport

    CALICUT

    Kerala

    4

    Sri Guru Ram Dass Jee International Airport

    AMRITSAR

    Punjab

    5

    Tiruchirapalli International Airport

    TRICHY

    Tamil Nadu

    6

    Bajpe Airport

    MANGALORE

    Karnataka

    7

    Sardar Vallabhbhai Patel International Airport

    AHMEDABAD

    Gujarat

    8

    Jaipur International Airport

    JAIPUR

    Rajsthan

    9

    Chaudhary Charan Singh International Airport

    LUCKNOW

    UP

    10

    Chennai International Airport

    Chennai

    Tamil Nadu

  • Agoda.com exclusive discount offer


    Detailed Terms & Conditions

    1.The Promotion is non-transferable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discount, promotions, discounted items and fixed price items (unless specified).


    2. The Promotion is available to the qualifying and eligible cardholders of State Bank of India credit card which (a) bears the State Bank of India and/or State Bank of India name and logo on the face of the card and/or (b) refers to a member of the State Bank of India Group as an issuer or a participant partner on the bank of the card, including for the avoidance of doubt any co-branded/affinity card issued by any members of State Bank of India’s Group. Cardholders must settle payment with their credit card in order to enjoy the Promotion.


    3. The Promotion is only applicable to the reservation of selected and designated merchant properties in certain destinations, made through a dedicated Promotion landing page only at following URL: www.agoda.co.in/SBI


    4. Agoda reserves the right to launch selected and temporary “tactical offers” at higher discount levels for selected countries.


    5. The Promotion is subject to the terms and conditions of Agoda. In case of dispute, the decision of the Bank and/or Agoda shall be final.


    6. The Promotion discount is applicable to accommodation room charges only (excluding local taxes, service fees, extra charges, personal consumptions and the like).


    7. The Bank and/or Agoda can change the terms of conditions at any point of time. The Promotion can be suspended or cancelled at any point in time without prior notice.

    8. This Promotion is independent of, and unrelated to, any offer or arrangement between the Bank and the cardholder (payment facility, etc.), which is at the Bank’s sole discretion and for which the Bank is solely responsible and liable.


    9. The Promotion discount will only be displayed on the booking form of the Promotion landing page after entering a valid State Bank of India credit card number.

  • 0% Interest on Cash Withdrawal up to 30 Aug 2015

    1. The “Cash Withdrawal” offer (hereinafter “ Offer”) is made open to a select category of SBI Credit Cardholder (“Cardholders”) determined by SBI Cards and Payments Services Private Limited (“SBICPSL”) and to whom this offer is communicated by a suitable medium decided at the sole option and discretion of SBICPSL.

    2. The Offer is valid from 01st Jul’15 to 30th Aug’15. Both dates inclusive (hereinafter “Term”).

    3. By availing this offer benefits by conducting a financial transaction of withdrawing cash through an ATM machine, the Cardholder provides consent to all terms and conditions.

    4. During the offer period, no interest is being charged on cash withdrawals through an ATM machine by the Cardholders. This Offer is exclusive of any other offer or schemes of SBICPSL and it cannot be clubbed and/or combined with any other similar schemes.

    Illustration: -

    -If you withdraw on 1st Jul’15, you will be charged 0% p.m. for 60 days till 30th Aug’15

    -If you again withdraw on 1st Aug’15, you will be charged 0% p.m. for 30 days till 30th Aug’15

    5. A transaction fee of 2.5% or Rs.300 whichever is higher at domestic SBI ATMs and other domestic ATM's and 3% or Rs. 300, whichever is higher at international ATMs will be levied on all cash withdrawals under this Offer.

    6. This Offer is being extended on a best effort basis and the participation by a Cardholder is purely voluntary. SBICPSL shall not have and accepts no other liability except and in accordance with these Offer terms, in the event of any actions, claims, demands, losses, damages, costs, charges and expenses which the SBI Cardholder may suffer or incur by way of his/her participation in this offer or with any matter whether directly, indirectly, incidentally and consequentially connected therewith.

    7. SBICPSL reserves the right at any time with/without previous notice to add, alter, modify, change or vary all or any of these terms and conditions or replace, wholly or in part, this scheme by any other scheme, whether similar to this scheme or not or to altogether withdraw this offer.

    8. Any disputes or differences arising out of this Program and any of its governing terms shall be referred to Arbitration under the Arbitration and Conciliation Act, 1996 and any amendments carried thereof. Arbitration proceedings shall be conducted by a sole Arbitrator appointed by SBICPSL. The place of arbitration shall be New Delhi and the language of Arbitration shall be English. The award of the arbitrator shall be final and binding on the disputing parties.

    9. Existence of a dispute shall not constitute a claim against SBICPSL.

  • 0% Interest on Cash Withdrawal up to 15 Sep 2015

    1. The “Cash Withdrawal” offer (hereinafter “ Offer”) is made open to a select category of SBI Credit Cardholder (“Cardholders”) determined by SBI Cards and Payments Services Private Limited (“SBICPSL”) and to whom this offer is communicated by a suitable medium decided at the sole option and discretion of SBICPSL.

    2. The Offer is valid from 01st Jul’15 to 15th Sep’15. Both dates inclusive (hereinafter “Term”).

    3. By availing this offer benefits by conducting a financial transaction of withdrawing cash through an ATM machine, the Cardholder provides consent to all terms and conditions.

    4. During the offer period, no interest is being charged on cash withdrawals through an ATM machine by the Cardholders. This Offer is exclusive of any other offer or schemes of SBICPSL and it cannot be clubbed and/or combined with any other similar schemes.

    Illustration: -

    -If you withdraw on 1st Jul’15, you will be charged 0% p.m. for 75 days till 15th Sep’15

    -If you again withdraw on 1st Aug’15, you will be charged 0% p.m. for 45 days till 15th Sep’15

    5. A transaction fee of 2.5% or Rs.300 whichever is higher at domestic SBI ATMs and other domestic ATM's and 3% or Rs. 300, whichever is higher at international ATMs will be levied on all cash withdrawals under this Offer.

    6. This Offer is being extended on a best effort basis and the participation by a Cardholder is purely voluntary. SBICPSL shall not have and accepts no other liability except and in accordance with these Offer terms, in the event of any actions, claims, demands, losses, damages, costs, charges and expenses which the SBI Cardholder may suffer or incur by way of his/her participation in this offer or with any matter whether directly, indirectly, incidentally and consequentially connected therewith.

    7. SBICPSL reserves the right at any time with/without previous notice to add, alter, modify, change or vary all or any of these terms and conditions or replace, wholly or in part, this scheme by any other scheme, whether similar to this scheme or not or to altogether withdraw this offer.

    8. Any disputes or differences arising out of this Program and any of its governing terms shall be referred to Arbitration under the Arbitration and Conciliation Act, 1996 and any amendments carried thereof. Arbitration proceedings shall be conducted by a sole Arbitrator appointed by SBICPSL. The place of arbitration shall be New Delhi and the language of Arbitration shall be English. The award of the arbitrator shall be final and binding on the disputing parties.

    9. Existence of a dispute shall not constitute a claim against SBICPSL.

  • Flexipay offer - Book at low interest rate of 8% and enjoy Processing fee waiver (valid between 13-May-2015 to 30-June-2015)

     

    Flexipay Festive offer Terms & Conditions – Lower Rate of interest at 8% flat p.a+ Processing fee waiver

    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 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)  or 1800 180 1290 (toll free) and/or  by way of online booking made via www.sbicard.com

    4. This offer on Flexipay is valid only for bookings between 13th May 2015 and 30th June 2015 -both days inclusive (“Term”).

    5. Any booking under this offer will attract an interest rate of 8% flat p.a. (corresponding reducing rates for various tenures are mentioned in clause 13) on booking a single Flexipay 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/-.

    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”.


    7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 2500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel and Jewelry transactions (in view of guidelines issued by the Reserve Bank of India) cannot be converted into Flexipay.  Accordingly and in pursuant thereto, SBI Card at its sole instance may decline Flexipay facility on such transaction categories.

    8. More than one retail transaction of Rs. 2500/- and above can be clubbed together to avail the offer.  The SBI Credit cardholder can call up SBI Card 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 SBI Card Helpline 39020202 / 1860 180 1290 (prefix local STD code) or 1800 180 1290 (toll free) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – www.sbicard.com during the offer Term.

    10. The processing fee would initially be levied on the account at the time of booking Flexipay. Subsequently, the same would be reversed on the card account within 60 days of the Flexipay booking . Accordingly the statement of Account drawn up in furtherance to the foregoing shall be the conclusive evidence of the benefit accrued under this Offer. 

    11. This offer on Flexipay is valid from 13th May 2015 to 30th June 2015 (“Term”). Any bookings made after 30th June 2015 will attract an interest rate of 14.5% flat 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.

    12. 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/-.


    13. The reducing interest rate applicable for different tenures are as follows:

    Tenure (Months)  Reducing interest rate
    (annualized)

     

    Tenure (Months)

     Reducing interest rate

    (annualized)

    3

    11.96%

    6

    13.59%

    9

    14.18%

    12

    14.45%

    24

    14.68%

    36

    14.55%

     
    14. 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.41.
     

    15. 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.

    16. 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.

    17. In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme.

    18. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 2500/- 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 Processing Fee waiver offer is applicable only for Flexipay booking amount greater than or equal to Rs. 50,000/-.

    19. 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.

    20. 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.

    21. 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.

    22. A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.

    23. Flexipay monthly installment is calculated as (Flexipay Principal Amount + Flexipay interest charge)/ Tenure. Example: Principle amount is Rs.10,000/-, Interest rate is 8% p.a. and Tenure is 24 months. The total interest charge will be (10,000 * 8% * 24/12) = Rs.1600/-. The EMI is calculated as (10,000/- + 1600/-)/24.


    24. 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 Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.

    25. The MAD will be 5% of the SBI Cardholder 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).

    26. 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.

    27. 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

    28. 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. 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 account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.

    29. 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 30th June 2015.


    30. The SBI Cardholder can make request for cancellation of Flexipay by calling the SBI Card helpline.  On receipt of this request, the outstanding Flexipay principal amount is moved back to SBI 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.

    31. At the time of cancellation of Flexipay, if the SBI 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.

    32. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on www.sbicard.com and/or any other medium chosen by SBICPSL.

    33. 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).

    34. No request for Flexipay will be entertained within 90 days of SBI Cardholder’s flipping/change of card request.

    35. Transfer from one Flexipay to another will not be entertained.

    36. 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.

    37. 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.

    38. Government service tax shall be levied on all fees, interest charges, etc as applicable.

    39. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com

    40. 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.

    41. Illustrative example of amortization schedule:  

          

    Amortization schedule

    Sr. No.

    Billing date

    Installment

    Interest

    Principal

    Balance

    GST#

    1

    18-May-15

    900

    120.43

    779.57

    9220.43

    16.86

    2

    18-Jun-15

    900

    111.05

    788.95

    8431.48

    15.55

    3

    18-Jul-15

    900

    101.54

    798.46

    7633.02

    14.22

    4

    18-Aug-15

    900

    91.93

    808.07

    6824.95

    12.87

    5

    18-Sep-15

    900

    82.20

    817.80

    6007.15

    11.51

    6

    18-Oct-15

    900

    72.35

    827.65

    5179.50

    10.13

    7

    18-Nov-15

    900

    62.38

    837.62

    4341.87

    8.73

    8

    18-Dec-15

    900

    52.29

    847.71

    3494.17

    7.32

    9

    18-Jan-16

    900

    42.08

    857.92

    2636.25

    5.89

    10

    18-Feb-16

    900

    31.75

    868.25

    1768.00

    4.44

    11

    18-Mar-16

    900

    21.29

    878.71

    889.29

    2.98

    12

    18-Apr-16

    900

    10.71

    889.29

    0.00

    1.50

                 

    Principal

    10000

             

    Installment

    900

             

    R.O.I

    8.00%

             

    Tenure

    12

             

    # Government Service Tax calculated @ 14% of interest component.

  • Flexipay offer - Book at low interest rate of 12% and enjoy Processing fee waiver (valid between 13-May-2015 to 30-June-2015)

    Flexipay Festive offer Terms & Conditions – Lower Rate of interest at 12% flat p.a+ Processing fee waiver

    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 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) or 1800 180 1290 (toll free) and/or   by way of online booking made via www.sbicard.com

    4. This offer on Flexipay is valid only for bookings between 13th May 2015 and 30th June 2015 -both days inclusive (“Term”).

    5. Any booking under this offer will attract an interest rate of 12% flat p.a. (corresponding reducing rates for various tenures are mentioned in clause 13) on booking a single Flexipay 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/-.

    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”.

    7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 2500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel and Jewelry transactions (in view of guidelines issued by the Reserve Bank of India) cannot be converted into Flexipay.  Accordingly and in pursuant thereto, SBI Card at its sole instance may decline Flexipay facility on such transaction categories.

    8. More than one retail transaction of Rs. 2500/- and above can be clubbed together to avail the offer.  The SBI Credit cardholder can call up SBI Card 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 SBI Card Helpline 39020202 / 1860 180 1290 (prefix local STD code) or 1800 180 1290 (toll free) within the offer Term and ask for transfer of retail transaction amount to Flexipay. The Cardholder can also avail the offer on our website – www.sbicard.com during the offer Term.

    10. The processing fee would initially be levied on the account at the time of booking Flexipay. Subsequently, the same would be reversed on the card account within 60 days of the Flexipay booking . Accordingly the statement of Account drawn up in furtherance to the foregoing shall be the conclusive evidence of the benefit accrued under this Offer. 

    11. This offer on Flexipay is valid from 13th May 2015 to 30th June 2015 (“Term”). Any bookings made after 28th June 2015 will attract an interest rate of 14.5% flat 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.

    12. The Flexipay facility from SBICPSL is available over different tenures of  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/-.


    13. The reducing interest rate applicable for different tenures are as follows:

    Tenure (Months)

     Reducing interest rate

    (annualized)

    6

    20.29%

    9

    21.11%

    12

    21.46%

    24

    21.57%

    36

    21.20%

     
    14. 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.41.

    15. 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.

    16. 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.

    17. In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme.

    18. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 2500/- 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 Processing Fee waiver offer is applicable only for Flexipay booking amount greater than or equal to Rs. 50,000/-.

    19. 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.

    20. 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.

    21. 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.

    22. A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.

    23. Flexipay monthly installment is calculated as (Flexipay Principal Amount + Flexipay interest charge)/ Tenure. Example: Principle amount is Rs.10,000/-, Interest rate is 12% p.a. and Tenure is 24 months. The total interest charge will be (10,000 * 12% * 24/12) = Rs.2400/-. The EMI is calculated as (10,000/- + 2400/-)/24.


    24. 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 Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.

    25. The MAD will be 5% of the SBI Cardholder 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).

    26. 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.

    27. 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

    28. 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. 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 account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.

    29. 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 30th June 2015.


    30. The SBI Cardholder can make request for cancellation of Flexipay by calling the SBI Card helpline.  On receipt of this request, the outstanding Flexipay principal amount is moved back to SBI 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.

    31. At the time of cancellation of Flexipay, if the SBI 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.

    32. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on www.sbicard.com and/or any other medium chosen by SBICPSL.

    33. 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).

    34. No request for Flexipay will be entertained within 90 days of SBI Cardholder’s flipping/change of card request.

    35. Transfer from one Flexipay to another will not be entertained.

    36. 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.

    37. 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.

    38. Government service tax shall be levied on all fees, interest charges, etc as applicable.

    39. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com

    40. 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.

    41. Illustrative example of amortization schedule:

    Amortization schedule

    Sr. No.

    Billing date

    Installment

    Interest

    Principal

    Balance

    GST#

    1

    18-May-15

    933.33

    178.81

    754.52

    9245.48

    25.03

    2

    18-Jun-15

    933.33

    165.32

    768.02

    8477.46

    23.14

    3

    18-Jul-15

    933.33

    151.59

    781.75

    7695.71

    21.22

    4

    18-Aug-15

    933.33

    137.61

    795.73

    6899.99

    19.26

    5

    18-Sep-15

    933.33

    123.38

    809.95

    6090.03

    17.27

    6

    18-Oct-15

    933.33

    108.90

    824.44

    5265.59

    15.25

    7

    18-Nov-15

    933.33

    94.15

    839.18

    4426.42

    13.18

    8

    18-Dec-15

    933.33

    79.15

    854.18

    3572.23

    11.08

    9

    18-Jan-16

    933.33

    63.88

    869.46

    2702.77

    8.94

    10

    18-Feb-16

    933.33

    48.33

    885.01

    1817.77

    6.77

    11

    18-Mar-16

    933.33

    32.50

    900.83

    916.94

    4.55

    12

    18-Apr-16

    933.33

    16.40

    916.94

    0.00

    2.30

                 

    Principal

    10000

             

    Installment

    933.33

             

    R.O.I

    12.00%

             

    Tenure

    12

             

    # Government Service Tax calculated @ 14% of interest component.

     

  • Refer a freind-Terms & Conditions

                                                                     T&C for bonus

    1.The SBI “Refer a friend” Rewards Program allows SBI Cardholder to earn & redeem points for various Gifts or Gifts Vouchers.

    2.The bonus points will be decided on the basis of referred cardholder card category and are subject to change from time to time at the sole discretion of SBI Card.
     
    3.The bonus transfer details to the SBI Cardholder:

    • If Referred cardholder  is given a Signature card then 2000 bonus point worth cash value of about Rs.500/- .

    • If Referred cardholder is given a Platinum card 1500 bonus point worth cash value of about Rs.375/-.

    • If Referred cardholder is given a Gold and More card 1000 bonus point worth cash value of about Rs.250/-.

    4.The cardholder can redeem the earned Reward Points by calling the SBI Card helpline 39020202 (Prefix local STD code ) or 1860001290 (if calling from BSNL/MTNL line)

    5.The SBI Card must not be overdue, suspended, blocked, canceled or terminated by SBICPSL at the time of redemption request.

    6.The points accrued can only be redeemed by the primary cardholder and not by an Additional Cardholder.

    7.Validity of Gift Vouchers will be for 6 months from the month of issuance to Cardholder.

    8.The points will be credited to the cardholder post 45 days of the date of card issue to the referred cardholder.

    9.BONUS reward points are given only to the Cardholders who are eligible as part of this Programme on their SBI Credit Card. All decisions of SBICPSL about eligibility of cardholders for benefits under this Programme are final, absolute and binding on all Cardholders.

    10.Cardholder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.

    11.SBICPSL Card will not be responsible for email bounces, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system. Email/SMS will be sent to the email id or mobile number updated in our system.

    12.Any other T&Cs applicable for the process of the redemption of reward will apply here.

    Please visit the www.sbicard.com for details of terms and condition for Reward points redemption.

    Standard Terms & Conditions

    1.Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    2.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.

    3.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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    4.In case of any dispute, decision of SBI Card will be final and binding.

    5.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.

    6.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'.

    7.SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.

    8.The above offer is by way of a special offer for select SBICPSL Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Cardholder agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the cardholder agreement.

  • Offer Spend & Redeem FREE Gift this holiday Dec14_Jan15 - Terms & Conditions

    1. This Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to SELECT cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 13th Day of December 2014 to 12th January 2015 both days included (“Term”) unless extended by the parties in mutual consent in writing

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.

    4. Under this offer, to be eligible for the complimentary gift/product, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.

    5. Qualifying transactions does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    6. Eligible cardholders will be communicated of the product redemption e-voucher code along with the Giftease microsite to visit to redeem the gift.

    7. 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. 

    8. 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.

    9. Redemption of complimentary gift is being fulfilled by our partner www.Giftease.com (hereafter “vendor”) and will be in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    10. 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-voucher code to redeem the gift will not be communicated.

    11. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    Gift redemption related T&C

    1. Eligible cardholders will be communicated of the e-voucher code & Giftease microsite address to redeem the gift simultaneously.

    2. e-voucher code is a UNIQUE 18 digit alpha numeric 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 28th February 2015.

    3. E-voucher code will be applicable ONLY on the Giftease microsite address.

    4. E-voucher code is valid for 2 months from date of issue to eligible cardholders by SBICPSL.

    5. E-Vouchers can be used only once within the validity period. Two e-vouchers cannot be used in one single transaction.

    6. Cardholder to ensure that the redemption of gift is done before expiry. Extension of codes will not be granted under any circumstance.

    7. One or more variants (e.g.  colors) of each item shall be available on Giftease microsite, and Giftease shall not commit to a specific variant of the particular product being available throughout the validity of e-vouchers

    8. E-voucher is applicable only on selected item for which Customer is eligible under the Offer. E-voucher can only be used on  Giftease microsite for this SBI Cards offer, and cannot be redeemed or exchanged for any other offer/item, or on www.giftease.com

    9. All orders can be shipped only within the delivery area of giftease.com, and customer must provide a valid address and pincode within the delivery area. Giftease or SBICPSL shall in no way be liable if customer is unable to place an order for delivery within the delivery area of Giftease website.

    10. In items which are available in multiple colors, orders shall be shipped for available colors and shipment of a particular color is not committed.

    11. E-voucher code is valid only if the payment is made with SBI Credit Card. Offer not valid for payment through Cash on delivery (COD)/Net banking/Debit Card /any other bank credit card, or any other available mode of payment available at vendor.

    12. E-Voucher code is valid for one time use on Vendor Giftease microsite only. E-Voucher Code not valid for multiple usages. eVouchers can be redeemed only once, and in one single order

    13. 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.

    14. 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.

    15. All orders Subject to the Terms of Use & policies  of www.giftease.com

    Under this offer, eligible cardholders will receive e-code to redeem the gift/product ONLY as per the communication sent by SBICPSL.

    How to redeem your gift?

    1. Eligible cardholders will receive the product redemption e-voucher code and the microsite details for redemption of gift through SMS and/or Email on registered contact details with SBICPSL.

    2. Visit the Giftease microsite as communicated through registered SMS/email.

    3. Select gift eligible for redemption at Giftease microsite and enter e-voucher code (“Do you have a coupon?” field name) at cart page to avail the offer.

    4. E-voucher code is valid for a specific product ONLY as communicated by SBICPSL.

    5. E-Voucher not valid on any other product/item available at vendor. Any additional payment must be charged to SBI credit card to avail the offer.

    6. E-Voucher discounts will be applied to the total merchandise value including VAT and other applicable taxes.

    7. Cardholder has to check out by making a nominal payment of Rs 10 as shipping to authorize the redemption of code on SBI credit card. 

    8. E-voucher cannot be clubbed with any other promotion/offer running on vendor unless otherwise specified.

    9. All orders are subject to stock availability at the time of placing of order at vendor.

    10. By placing an order, the customer accepts all terms and conditions specified on vendor’s web site.

    11. In case of any query pertaining to use of E-voucher, please email to customer care at customercare@giftease.com or call @ 020-6731 4888 (9.00 am-9.00 pm, 7 days a week) .

     Standard Terms & Conditions

    1. 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.

    2. 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 SBICPSLshall not entertain any correspondence in this regard.

    3. 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.

    4. 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.

    5. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL  or by the Vendor.

    6. 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.

    7. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    8. Any query regarding the Offer or any matter related thereof will be entertained only till 15th March 2015. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    9. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    10. 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.

    11. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    12. In case of any dispute, decision of SBICPSL  shall be final and binding.

    13. 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.

    14. 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'.

    15. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • Spend & Get FREE Book My Show discount voucher Dec14_Jan15_Offer(Terms & Conditions)

    1. This Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to SELECT cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 13th Day of December 2014 to 12th January 2015 both days included (“Term”) unless extended by the parties in mutual consent in writing

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.

    4. Under this offer, to be eligible for the complimentary gift/product, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.

    5. Qualifying transactions does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    6. Eligible cardholders will be communicated of the product redemption e-voucher code for redemption at Book My Show.com.

    7. Eligible cardholders will receive the e-voucher code through SMS and/or Email on registered contact details.

    8. Cardholder to ensure that the registered mobile is not on DNCR (Do no call registration) list to receive the e-code. 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.

    9. Redemption of complimentary gift is being fulfilled by our partner www.BookMyShow.com (hereafter “vendor”) and will be in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    10. 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-voucher code to redeem the gift will not be communicated.

    11. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    E-voucher code (Winpin) related T&C

    1. E-voucher code is a UNIQUE 16 digit numeric 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 28th Feb 15.

    2. E-voucher code is valid for 2 months from date of issue to eligible cardholders by SBICPSL.

    3. E-Vouchers can be redeemed ONLY on www.bookmyshow.com /mobile app & cannot be redeemed directly at the cinema/venue box-office.

    4. E-Vouchers shall be valid PAN India across all Cinemas/Partners associated with www.BookmyShow.com

    5. E-Vouchers can be used only once within the validity period. Two e-vouchers cannot be used in one single transaction.

    6. In addition to these BookMyShow Winpin Voucher Terms and Conditions, BookMyShow Vouchers and their use on our website are also subject to BookMyShow's general Terms of Use & BookMyShow’s decision will be final in case of any dispute.

    7. If lost/misused, E-Voucher(s) cannot be replaced/refunded and cannot be revalued.

    8. E-Voucher code is valid for one time use on Vendor BookMyShow.com  only. E-Voucher Code not valid for multiple usages. eVouchers can be redeemed only once, and in one single order.

    9. 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.

    10. 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.

    11. Extension of codes will not be granted under any circumstance.

    12. All orders Subject to the Terms of Use & policies  of www.BookMyShow.com

    How to redeem your free movie ticket discount?

    1. Visit the partner site BookMyShow.com. or bookmyshow mobile app.

    2. Select Location, Movie, Cinema, Show Date & Time and Seats of your preference as the logic flows

    3. On the payment page, tick the check box states "Avail Discounts & Offers" & from the drop-down list, select "Winpin" option & then enter the e- voucher code in the text box appears & click on "Apply Offer" button next to it to avail the offer.
    Note: At the end of the successful transaction booking id gets generated which needs to be exchanged at the box-office for actual tickets. Email and sms confirmation will also be received provided its active. For any assistance reach out our Customer Care Support No.: +91(022)-39895050 or write on: helpdesk@bookmyshow.com

    4. E-Vouchers will only be adjusted against the ticket(s) cost whereas any online convenience fees or additional amount that may be charged by BookmyShow for the transaction would need to be borne by the voucher user.

    5. E-voucher code is valid only if the payment is made with SBI Credit Card. Offer not valid for payment through Cash on delivery (COD)/Net banking/Debit Card /any other bank credit card, or any other available mode of payment available at vendor.

    6. E-voucher cannot be clubbed with any other promotion/offer running on vendor unless otherwise specified.

    7. By placing an order, the customer accepts all terms and conditions specified on vendor’s web site.

    8. In case of any query pertaining to use of E-voucher, please email to customer care at helpdesk@BookMyShow.com or call @ +91 (022) – 39895050

    Standard Terms & Conditions

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.

    6. 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.

    7. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    8. Any query regarding the Offer or any matter related thereof will be entertained only till 15th March 2015. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    9. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    10. 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.

    11. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL. This offer will be governed by and construed in accordance with Indian law

    12. In case of any dispute, decision of SBICPSL shall be final and binding.

    13. 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.

    14. 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'.

    15. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • Spend & Get FREE GoQii Fitness band with a personal coach Dec14_Jan15_Offer(Terms & Conditions)

    1. This Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to SELECT cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 13th Day of December 2014 to 12th January 2015 both days included (“Term”) unless extended by the parties in mutual consent in writing

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.

    4. Under this offer, to be eligible for the complimentary gift/product, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.

    5. Qualifying transactions does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    6. Eligible cardholders will be communicated of the product redemption e-voucher code for redemption at GoQii.com.

    7. 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. 

    8. 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.

    9. Redemption of complimentary gift is being fulfilled by our partner www.GoQii.com.com (hereafter “vendor”) and will be in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    10. 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-voucher code to redeem the gift will not be communicated.

    11. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    GoQii Fitness band code related terms:

    1. E-voucher code is a UNIQUE alpha numeric 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 28th Feb 2015.

    2. E-voucher code is valid for 2 months from date of issue to eligible cardholders by SBICPSL.

    3. E-Vouchers can be used only once within the validity period. Two e-vouchers cannot be used in one single transaction.

    4. Cardholder to ensure that the redemption of gift is done before expiry. Extension of codes will not be granted under any circumstance.

    5. E-voucher code will be applicable ONLY on a 6-month plan at GoQii.com.

    6. E-voucher is applicable only on 6 month plan for which Customer is eligible under the Offer.

    7. E-voucher can only be used on  GoQii.com  for this SBI Cards offer, and cannot be redeemed or exchanged for any other offer/item, or on www.GoQii.com.com

    8. All orders can be shipped only within the delivery area of GoQii.com.com, and customer must provide a valid address and pincode within the delivery area. GoQii.com or SBICPSL shall in no way be liable if customer is unable to place an order for delivery within the delivery area of GoQii.com website.

    9. E-voucher code is valid only if the payment is made with SBI Credit Card. Offer not valid for payment through Cash on delivery (COD)/Net banking/Debit Card /any other bank credit card, or any other available mode of payment available at vendor.

    10. E-Voucher code is valid for one time use on Vendor GoQii.com  only. E-Voucher Code not valid for multiple usages. eVouchers can be redeemed only once, and in one single order

    11. 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.

    12. 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.

    13. All orders Subject to the Terms of Use & policies  of www.GoQii.com.com

    14. Warranty: GOQii band is completely covered for all manufacturing defects for complete duration of your subscription plan.

    15. End of Subscription

    a. At the end of your subscribed plan you need to renew your coach services.
    b. If you don’t renew your subscriptions you don’t have return your GOQii band. You can continue to use your GOQii band and GOQii application, with no additional charges only coach services with discontinue.

    To know more on GoQii product features, please visit www.Goqii.com

    How to redeem your GoQii fitness band?

    1. Eligible cardholders will receive the product redemption e-voucher code through SMS and/or Email on registered contact details with SBICPSL.

    2. Visit www.GoQii.com as communicated through registered SMS/email.

    3. Select 6 month plan worth Rs 6999 + tax at GoQii.com  and enter e-voucher code (“Referral code” field name) at cart page to avail the offer.

    4. E-Voucher not valid on any other product/item available at vendor. Any additional payment must be charged to SBI credit card to avail the offer.

    5. E-Voucher discounts will be applied to the total merchandise value including VAT and other applicable taxes.

    6. Cardholder has to check out by making a nominal payment of Rs 10 as shipping to authorize the redemption of code on SBI credit card. 

    7. E-voucher cannot be clubbed with any other promotion/offer running on vendor unless otherwise specified.

    8. All orders are subject to stock availability at the time of placing of order at vendor.

    9. By placing an order, the customer accepts all terms and conditions specified on vendor’s web site. In case of any query pertaining to use of E-voucher, please email to customer care at support@goqii.com or call @ 18003130390

    Standard Terms & Conditions

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.

    6. 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.

    7. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    8. Any query regarding the Offer or any matter related thereof will be entertained only till 15th March 2015. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    9. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    10. 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.

    11. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL. This offer will be governed by and construed in accordance with Indian law

    12. In case of any dispute, decision of SBICPSL shall be final and binding.

    13. 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.

    14. 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'.
    15. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • Easy Bill Pay (15th Dec – 15th Jan’15) – 500 Reward points per AutoPay registration

                                                                   TERMS & CONDITIONS
    1.    The program is for select customer base only, which has been communicated Offer directly through e-mails and/or SMS.

    2.    The offer is valid only for new registrations on EasyBillPay (EBP) service at https://payments.billdesk.com/ubp/sbi/index.jsp

    3.    The offer is valid from 15th December’14 to 15th January’15

    4.    For every new EBP AutoPay registration, the cardholder will be eligible for 500 reward points per AutoPay registration with the maximum cap of 5000 reward points per card per user. Only AutoPay Bill registrations with “monthly” billing frequency are eligible for this offer

    5.    The reward points will be credited to the Cardholders account by 31st May 2015 subject to following conditions:

     .     AutoPay bills registered between 15th December’14 to 15th January’15 are active on card

     .     Minimum 2 Bill payments against each AutoPay registration have been made through SBI Card before 15th April 2015.

     .     Registered Bills have monthly payment cycle

    6.    "AutoPay" is a service exclusively for SBI Credit Cardholders ("Cardholder"), to enable payment  of utility bills by  cardholders for utility companies listed in https://payments.billdesk.com/ubp/sbi/index.jsp . For the said service the customer agrees to pay a convenience charge; subject to revision/waiver promotions from time to time by SBI Card. The convenience charge will be upto 1.82% of the transaction amount for any transaction done for Cat 2 Billers and no convenience charge for any transactions done for Cat 1 Billers. The list of Cat 1 and cat 2 billers is as given on the website www.sbicard.com.

    7.     The term "Utility Company" or "Biller"; shall mean a company, organization or entity that sends a Bill, statement or invoice, usually a request for payment for a product or service to the customer.

    8.      AutoPay service is available for select billers in select cities. 
            
    9.      The said services will be available to the credit card holders registered for this service and to the exclusion of all others.

    10.    The Cardholder agrees that he/she would enter the Bill details correctly in the application website, if entered incorrectly it will not be the responsibility of SBI Card, and any further disputes are to be settled with the utility company directly by the card holder. It is specifically stipulated that all liability shall be on the cardholder in case of any incorrect entry and SBI card shall not be responsible whether directly, indirectly, incidentally or consequentially for any such acts of the cardholder.

    11.    The cardholder shall take precaution to ensure that no double payment is made from his end for the same bill. SBI Card will not be liable for reversals in such cases and cardholder will need to liaise directly with Biller

    12.    SBI Card will not bear the responsibility of late payment made by the cardholder

    13.    The Cardholder should ensure that he/she receives a confirmation for the payment made by him/her through this facility. Any non-confirmation of the transaction, SBI card shall not be responsible and liable and accordingly no payments shall be made to the utility company.

    14.    Payment to the registered Biller will be made only when we receive the bill from Biller. In case of failure in receiving the Bill from Biller, SBI card won’t be liable for non-payment.

    15.    All disputes regarding the bill registration and payments should be raised within 6 months of the billing date, SBI Card will not bear any responsibility for wrong payments or registrations after 6 months

    16.    Notwithstanding any other terms, it is stipulated that processing of all the payments is subject to the availability of free, clear and available limits in the cardholder's SBI Credit Card Account at the time of processing the transaction. In the event of credit limits not being available, cardholder will receive a payment failed report.

    17.    In all situations where the cardholder services are discontinued/disrupted due to any acts of the utility company, governmental orders and any other related matter, SBI Card shall not be responsible and/or liable for the same and the cardholder shall be solely responsible and liable to settle such matters with its utility company and/or statutory authority

    18.    The cardholder indemnifies SBI Card from and against all actions, suits, claims, liabilities and proceedings due to or arising out of any or all disputes between the cardholder and Utility companies or by reason of SBI Card acting in good faith and bonafide belief

    19.    SBI Card will endeavor to effect payments / carry-out instructions received by it within Bill due date. However, SBI Card does not warrant that Payment / fulfillment of instructions will not be delayed for reasons beyond its control including any default on the part of the service provider. As the instructions would depend on various electronic technology used from time to time, there could be delays in receipt of any instructions by SBI Card from the cardholder and by the provider of Utilities / Services. For all such delays, the service provider of such services shall be responsible and liable being the owner and administrator of these services.

    20.    This service is available only for individual primary cardholders and not corporate cardholders. 
         
    21.    It is clarified here that cardholder statement is adequate and conclusive proof that such payment was paid to utility company

    22.    SBI Card is not in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services. The providers of Utilities / Services shall be solely responsible to the cardholder to render the Utilities / Services for which Payment is to be made by SBI Card and SBI Card shall not be responsible/liable for any deficiency in the same including, but not limited to, deficient quality, delivery, quantity etc., and shall not be made party to any disputes between the cardholder and any providers of Utilities / Services.

    23.    The cardholder shall not hold SBI Card liable for any non-service, delayed service or faulty service rendered by the provider of Utilities / Services and shall not contact or communicate in any manner whatsoever, inter alia, by electronic mail, phone, post, SMS, or personal meeting with SBI Card in this regard.

    24.    SBI Card will not accept any cancellation request by the cardholder if the payment transaction has been authorized on his card account and payment accepted by the Biller. Any disputes will have to be settled by the cardholder directly with the Biller.

    25.    Nothing contained herein shall prejudice or affect the terms and conditions as mentioned in the Terms & Conditions booklet sent in the Credit Card welcome kit . The terms of this service shall be in addition to and not in derogation of the terms contained in the Terms & Conditions booklet

    26.    Nothing contained in the said services shall be construed as binding obligation on SBI Card or any participating utility company to continue the services after the services are terminated.

    27.    SBI Card reserves the right to charge and recover from the Cardholder, fees for availing the service, which may be altered with prior intimation to the cardholder.

    28.    SBI Card shall have the right to revoke and/or discontinue this service to certain cardholders if it has reason and/or reasonable apprehension to believe that such continuing of this service shall gravely prejudice the commercial situation of SBI Card. Such a determination by SBI Card shall be at its sole and absolute discretion with reference to its cardholders

    29.    All disputes and differences arising out and in connection with this service shall be subject to arbitration under the Arbitration and Conciliation Act, 1996 with any amendments thereof. The arbitration shall be conducted by a sole arbitrator appointed by SBICPSL. The place of arbitration shall be New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on parties. Existence of a dispute/difference shall not constitute a claim against SBICPSL. Notwithstanding the foregoing the courts in New Delhi shall have the exclusive jurisdiction to decide any matters related and connected to the instant terms.

    30.    The said services will be effective subject to SBI Card Credit Card being valid and in good standing

    31.    SBI Card may at its sole discretion accept of decline the said services by the utility company.

    32.    SBI Card may change from time to time the utility companies for which said services are extended

    33.    The record of charges in respect of the said services received or availed by cardholder and submitted by utility companies to cardholder’s Card Account will neither bear Cardholder  signature nor the imprint of Credit Card. Cardholder therefore undertake to unconditionally honor and pay without demur protest and contest all the said charges including interim charges booked by cardholder under the said services, as and when cardholder is billed for the same by SBI Card during the validity period of his Card and subsequent renewals thereof.

    34.    SBI Card reserves the right to revoke / stop this facility if the credit behavior on the card is unsatisfactory

    35.    This facility is available only for utility bills pertaining to residential uses, No commercial utility bills will be paid under this scheme

    36.    No receipt will be given for bills paid through this facility. Cardholder statement is adequate proof that such payment was paid to utility company

    37.    SBI Card neither endorses the Utilities / Services offered, nor is it in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services

    38.    The cardholder is liable to honour all his/her credit card commitments irrespective of any grievances/complaints that cardholder may have with utility companies.

    39.    Cardholder will continue making payments towards  any utility bill outstanding until he/she receives an SMS/E-mail/letter confirmation from SBI Card indicating that his/her EasyBillPay facility has been activated along with effective date of activation.

    40.    Cardholder agrees to communicate termination of facility to SBI Card in writing failing which the payment made to the utility company will be construed as valid and binding on him/her.

    41.    Cardholder agrees to resolve disputes (if any) of whatsoever nature directly with the utility company and will not hold SBI Card liable for any deficiency of services provided by the utility company.

    42.    It will be the responsibility of the cardholder to inform SBI Card in writing of any change or withdrawal of the EasyBillPay facility thus availed

    43.    Any disputes arising out of disconnection of the utility facility, penalty from government and late charges on installment dues arising due to change / revocation of the facility will be the sole responsibility of the cardholder and the cardholder will not hold SBI Card responsible/liable for the same

  • Easy Bill Pay (15th Dec – 15th Jan’15) – Rs 100 Cashback per AutoPay registration

                                                                     TERMS & CONDITIONS
    1.    The program is for select customer base only, which has been communicated Offer directly through e-mails and/or SMS.

    2.    The offer is valid only for new registrations on EasyBillPay (EBP) service at https://payments.billdesk.com/ubp/sbi/index.jsp

    3.    The offer is valid from 15th  December 2014 to 15th January 2015

    4.    For every new EBP AutoPay registration, the cardholder will be eligible for Rs 100/- per AutoPay registration with the maximum cap of Rs 300/-  per card per user. Only AutoPay Bill registrations with “monthly” billing frequency are eligible for this offer

    5.    The cashback will be credited to the Cardholders account by 31st May 2015 subject to following conditions:

     .    AutoPay bills registered between 15th December to 15th January are active on card

     .    Minimum 2 Bill payments against each AutoPay registration have been made through SBI Card before 15th April’15. The Bills paid should be of minimum Rs 300/-

     .    Registered Bills have monthly payment cycle

    6.    "AutoPay" is a service exclusively for SBI Credit Cardholders ("Cardholder"), to enable payment  of utility bills by  cardholders for utility companies listed in https://payments.billdesk.com/ubp/sbi/index.jsp . For the said service the customer agrees to pay a convenience charge; subject to revision/waiver promotions from time to time by SBI Card. The convenience charge will be upto 1.82% of the transaction amount for any transaction done for Cat 2 Billers and no convenience charge for any transactions done for Cat 1 Billers. The list of Cat 1 and cat 2 billers is as given on the website www.sbicard.com.

    7.    The term "Utility Company" or "Biller"; shall mean a company, organization or entity that sends a Bill, statement or invoice, usually a request for payment for a product or service to the customer.

    8.      AutoPay service is available for select billers in select cities. 
            
    9.      The said services will be available to the credit card holders registered for this service and to the exclusion of all others.

    10.    The Cardholder agrees that he/she would enter the Bill details correctly in the application website, if entered incorrectly it will not be the responsibility of SBI Card, and any further disputes are to be settled with the utility company directly by the card holder. It is specifically stipulated that all liability shall be on the cardholder in case of any incorrect entry and SBI card shall not be responsible whether directly, indirectly, incidentally or consequentially for any such acts of the cardholder.

    11.    The cardholder shall take precaution to ensure that no double payment is made from his end for the same bill. SBI Card will not be liable for reversals in such cases and cardholder will need to liaise directly with Biller

    12.    SBI Card will not bear the responsibility of late payment made by the cardholder

    13.    The Cardholder should ensure that he/she receives a confirmation for the payment made by him/her through this facility. Any non-confirmation of the transaction, SBI card shall not be responsible and liable and accordingly no payments shall be made to the utility company.

    14.    Payment to the registered Biller will be made only when we receive the bill from Biller. In case of failure in receiving the Bill from Biller, SBI card won’t be liable for non-payment.

    15.    All disputes regarding the bill registration and payments should be raised within 6 months of the billing date, SBI Card will not bear any responsibility for wrong payments or registrations after 6 months

    16.    Notwithstanding any other terms, it is stipulated that processing of all the payments is subject to the availability of free, clear and available limits in the cardholder's SBI Credit Card Account at the time of processing the transaction. In the event of credit limits not being available, cardholder will receive a payment failed report.

    17.    In all situations where the cardholder services are discontinued/disrupted due to any acts of the utility company, governmental orders and any other related matter, SBI Card shall not be responsible and/or liable for the same and the cardholder shall be solely responsible and liable to settle such matters with its utility company and/or statutory authority

    18.    The cardholder indemnifies SBI Card from and against all actions, suits, claims, liabilities and proceedings due to or arising out of any or all disputes between the cardholder and Utility companies or by reason of SBI Card acting in good faith and bonafide belief

    19.    SBI Card will endeavor to effect payments / carry-out instructions received by it within Bill due date. However, SBI Card does not warrant that Payment / fulfillment of instructions will not be delayed for reasons beyond its control including any default on the part of the service provider. As the instructions would depend on various electronic technology used from time to time, there could be delays in receipt of any instructions by SBI Card from the cardholder and by the provider of Utilities / Services. For all such delays, the service provider of such services shall be responsible and liable being the owner and administrator of these services.

    20.    This service is available only for individual primary cardholders and not corporate cardholders.  
        
    21.    It is clarified here that cardholder statement is adequate and conclusive proof that such payment was paid to utility company

    22.    SBI Card is not in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services. The providers of Utilities / Services shall be solely responsible to the cardholder to render the Utilities / Services for which Payment is to be made by SBI Card and SBI Card shall not be responsible/liable for any deficiency in the same including, but not limited to, deficient quality, delivery, quantity etc., and shall not be made party to any disputes between the cardholder and any providers of Utilities / Services.

    23.    The cardholder shall not hold SBI Card liable for any non-service, delayed service or faulty service rendered by the provider of Utilities / Services and shall not contact or communicate in any manner whatsoever, inter alia, by electronic mail, phone, post, SMS, or personal meeting with SBI Card in this regard.

    24.    SBI Card will not accept any cancellation request by the cardholder if the payment transaction has been authorized on his card account and payment accepted by the Biller. Any disputes will have to be settled by the cardholder directly with the Biller.

    25.    Nothing contained herein shall prejudice or affect the terms and conditions as mentioned in the Terms & Conditions booklet sent in the Credit Card welcome kit . The terms of this service shall be in addition to and not in derogation of the terms contained in the Terms & Conditions booklet

    26.    Nothing contained in the said services shall be construed as binding obligation on SBI Card or any participating utility company to continue the services after the services are terminated.

    27.    SBI Card reserves the right to charge and recover from the Cardholder, fees for availing the service, which may be altered with prior intimation to the cardholder.

    28.    SBI Card shall have the right to revoke and/or discontinue this service to certain cardholders if it has reason and/or reasonable apprehension to believe that such continuing of this service shall gravely prejudice the commercial situation of SBI Card. Such a determination by SBI Card shall be at its sole and absolute discretion with reference to its cardholders

    29.    All disputes and differences arising out and in connection with this service shall be subject to arbitration under the Arbitration and Conciliation Act, 1996 with any amendments thereof. The arbitration shall be conducted by a sole arbitrator appointed by SBICPSL. The place of arbitration shall be New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on parties. Existence of a dispute/difference shall not constitute a claim against SBICPSL. Notwithstanding the foregoing the courts in New Delhi shall have the exclusive jurisdiction to decide any matters related and connected to the instant terms.

    30.    The said services will be effective subject to SBI Card Credit Card being valid and in good standing

    31.    SBI Card may at its sole discretion accept of decline the said services by the utility company.

    32.    SBI Card may change from time to time the utility companies for which said services are extended

    33.    The record of charges in respect of the said services received or availed by cardholder and submitted by utility companies to cardholder’s Card Account will neither bear Cardholder  signature nor the imprint of Credit Card. Cardholder therefore undertake to unconditionally honor and pay without demur protest and contest all the said charges including interim charges booked by cardholder under the said services, as and when cardholder is billed for the same by SBI Card during the validity period of his Card and subsequent renewals thereof.

    34.    SBI Card reserves the right to revoke / stop this facility if the credit behavior on the card is unsatisfactory

    35.    This facility is available only for utility bills pertaining to residential uses, No commercial utility bills will be paid under this scheme

    36.    No receipt will be given for bills paid through this facility. Cardholder statement is adequate proof that such payment was paid to utility company

    37.    SBI Card neither endorses the Utilities / Services offered, nor is it in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services

    38.    The cardholder is liable to honour all his/her credit card commitments irrespective of any grievances/complaints that cardholder may have with utility companies.

    39.    Cardholder will continue making payments towards  any utility bill outstanding until he/she receives an SMS/E-mail/letter confirmation from SBI Card indicating that his/her EasyBillPay facility has been activated along with effective date of activation.

    40.    Cardholder agrees to communicate termination of facility to SBI Card in writing failing which the payment made to the utility company will be construed as valid and binding on him/her.

    41.    Cardholder agrees to resolve disputes (if any) of whatsoever nature directly with the utility company and will not hold SBI Card liable for any deficiency of services provided by the utility company.

    42.    It will be the responsibility of the cardholder to inform SBI Card in writing of any change or withdrawal of the EasyBillPay facility thus availed

    43.    Any disputes arising out of disconnection of the utility facility, penalty from government and late charges on installment dues arising due to change / revocation of the facility will be the sole responsibility of the cardholder and the cardholder will not hold SBI Card responsible/liable for the same

  • Easy Bill Pay (21st Nov - 20th Dec’14) - Rs 100 Cashback per AutoPay registration

                                                                     TERMS & CONDITIONS
    1. The program is for select customer base only, which has been communicated Offer directly through e-mails and/or SMS.

    2. The offer is valid only for new registrations on EasyBillPay (EBP) service at https://payments.billdesk.com/ubp/sbi/index.jsp

    3. The offer is valid from 21st November 2014 to 20th December 2014

    4. For every new EBP Autopay registration, the cardholder will be eligible for Rs 100/- per AutoPay registration with the maximum cap of Rs 300/-  per card per user. Only Autopay Bill registrations with “monthly” billing frequency are eligible for this offer

    5. The cashback will be credited to the Cardholders account by 30th April 2015 subject to following conditions:

    a. AutoPay bills registered between 21st November 2014 to 20th  December 2014 are active on card

    b. Minimum 2 Bill payments against each Autopay registration have been made through SBI Card before 15th March’15. The Bills paid should be of minimum Rs 300/-

    c. Registered Bills have monthly payment cycle

    6. "AutoPay" is a service exclusively for SBI Credit Cardholders ("Cardholder"), to enable payment  of utility bills by  cardholders for utility companies listed in https://payments.billdesk.com/ubp/sbi/index.jsp . For the said service the customer agrees to pay a convenience charge; subject to revision/waiver promotions from time to time by SBI Card. The convenience charge will be upto 1.82% of the transaction amount for any transaction done for Cat 2 Billers and no convenience charge for any transactions done for Cat 1 Billers. The list of Cat 1 and cat 2 billers is as given on the website www.sbicard.com.

    7. The term "Utility Company" or "Biller"; shall mean a company, organization or entity that sends a Bill, statement or invoice, usually a request for payment for a product or service to the customer.

    8. AutoPay service is available for select billers in select cities.
            
    9. The said services will be available to the credit card holders registered for this service and to the exclusion of all others.

    10. The Cardholder agrees that he/she would enter the Bill details correctly in the application website, if entered incorrectly it will not be the responsibility of SBI Card, and any further disputes are to be settled with the utility company directly by the card holder. It is specifically stipulated that all liability shall be on the cardholder in case of any incorrect entry and SBI card shall not be responsible whether directly, indirectly, incidentally or consequentially for any such acts of the cardholder.

    11. The cardholder shall take precaution to ensure that no double payment is made from his end for the same bill. SBI Card will not be liable for reversals in such cases and cardholder will need to liaise directly with Biller

    12. SBI Card will not bear the responsibility of late payment made by the cardholder

    13. The Cardholder should ensure that he/she receives a confirmation for the payment made by him/her through this facility. Any non-confirmation of the transaction, SBI card shall not be responsible and liable and accordingly no payments shall be made to the utility company.

    14. Payment to the registered Biller will be made only when we receive the bill from Biller. In case of failure in receiving the Bill from Biller, SBI card won’t be liable for non-payment.

    15. All disputes regarding the bill registration and payments should be raised within 6 months of the billing date, SBI Card will not bear any responsibility for wrong payments or registrations after 6 months

    16. Notwithstanding any other terms, it is stipulated that processing of all the payments is subject to the availability of free, clear and available limits in the cardholder's SBI Credit Card Account at the time of processing the transaction. In the event of credit limits not being available, cardholder will receive a payment failed report.

    17. In all situations where the cardholder services are discontinued/disrupted due to any acts of the utility company, governmental orders and any other related matter, SBI Card shall not be responsible and/or liable for the same and the cardholder shall be solely responsible and liable to settle such matters with its utility company and/or statutory authority

    18. The cardholder indemnifies SBI Card from and against all actions, suits, claims, liabilities and proceedings due to or arising out of any or all disputes between the cardholder and Utility companies or by reason of SBI Card acting in good faith and bonafide belief

    19. SBI Card will endeavor to effect payments / carry-out instructions received by it within Bill due date. However, SBI Card does not warrant that Payment / fulfillment of instructions will not be delayed for reasons beyond its control including any default on the part of the service provider. As the instructions would depend on various electronic technology used from time to time, there could be delays in receipt of any instructions by SBI Card from the cardholder and by the provider of Utilities / Services. For all such delays, the service provider of such services shall be responsible and liable being the owner and administrator of these services.

    20. This service is available only for individual primary cardholders and not corporate cardholders.
        
    21. It is clarified here that cardholder statement is adequate and conclusive proof that such payment was paid to utility company

    22. SBI Card is not in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services. The providers of Utilities / Services shall be solely responsible to the cardholder to render the Utilities / Services for which Payment is to be made by SBI Card and SBI Card shall not be responsible/liable for any deficiency in the same including, but not limited to, deficient quality, delivery, quantity etc., and shall not be made party to any disputes between the cardholder and any providers of Utilities / Services.

    23. The cardholder shall not hold SBI Card liable for any non-service, delayed service or faulty service rendered by the provider of Utilities / Services and shall not contact or communicate in any manner whatsoever, inter alia, by electronic mail, phone, post, SMS, or personal meeting with SBI Card in this regard.

    24. SBI Card will not accept any cancellation request by the cardholder if the payment transaction has been authorized on his card account and payment accepted by the Biller. Any disputes will have to be settled by the cardholder directly with the Biller.

    25. Nothing contained herein shall prejudice or affect the terms and conditions as mentioned in the Terms & Conditions booklet sent in the Credit Card welcome kit . The terms of this service shall be in addition to and not in derogation of the terms contained in the Terms & Conditions booklet

    26. Nothing contained in the said services shall be construed as binding obligation on SBI Card or any participating utility company to continue the services after the services are terminated.

    27. SBI Card reserves the right to charge and recover from the Cardholder, fees for availing the service, which may be altered with prior intimation to the cardholder.

    28. SBI Card shall have the right to revoke and/or discontinue this service to certain cardholders if it has reason and/or reasonable apprehension to believe that such continuing of this service shall gravely prejudice the commercial situation of SBI Card. Such a determination by SBI Card shall be at its sole and absolute discretion with reference to its cardholders

    29. All disputes and differences arising out and in connection with this service shall be subject to arbitration under the Arbitration and Conciliation Act, 1996 with any amendments thereof. The arbitration shall be conducted by a sole arbitrator appointed by SBICPSL. The place of arbitration shall be New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on parties. Existence of a dispute/difference shall not constitute a claim against SBICPSL. Notwithstanding the foregoing the courts in New Delhi shall have the exclusive jurisdiction to decide any matters related and connected to the instant terms.

    30. The said services will be effective subject to SBI Card Credit Card being valid and in good standing

    31. SBI Card may at its sole discretion accept of decline the said services by the utility company.

    32. SBI Card may change from time to time the utility companies for which said services are extended

    33. The record of charges in respect of the said services received or availed by cardholder and submitted by utility companies to cardholder’s Card Account will neither bear Cardholder  signature nor the imprint of Credit Card. Cardholder therefore undertake to unconditionally honor and pay without demur protest and contest all the said charges including interim charges booked by cardholder under the said services, as and when cardholder is billed for the same by SBI Card during the validity period of his Card and subsequent renewals thereof.

    34. SBI Card reserves the right to revoke / stop this facility if the credit behavior on the card is unsatisfactory

    35. This facility is available only for utility bills pertaining to residential uses, No commercial utility bills will be paid under this scheme

    36. No receipt will be given for bills paid through this facility. Cardholder statement is adequate proof that such payment was paid to utility company

    37. SBI Card neither endorses the Utilities / Services offered, nor is it in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services

    38. The cardholder is liable to honour all his/her credit card commitments irrespective of any grievances/complaints that cardholder may have with utility companies.

    39. Cardholder will continue making payments towards  any utility bill outstanding until he/she receives an SMS/E-mail/letter confirmation from SBI Card indicating that his/her EasyBillPay facility has been activated along with effective date of activation.

    40. Cardholder agrees to communicate termination of facility to SBI Card in writing failing which the payment made to the utility company will be construed as valid and binding on him/her.
     
    41. Cardholder agrees to resolve disputes (if any) of whatsoever nature directly with the utility company and will not hold SBI Card liable for any deficiency of services provided by the utility company.

    42. It will be the responsibility of the cardholder to inform SBI Card in writing of any change or withdrawal of the EasyBillPay facility thus availed

    43. Any disputes arising out of disconnection of the utility facility, penalty from government and late charges on installment dues arising due to change / revocation of the facility will be the sole responsibility of the cardholder and the cardholder will not hold SBI Card responsible/liable for the same                                      

  • Easy Bill Pay (21st Nov - 20th Dec’14) - 500 Reward points per AutoPay registration

                                                                                    TERMS & CONDITIONS

    1. The program is for select customer base only, which has been communicated Offer directly through e-mails and/or SMS.

    2. The offer is valid only for new registrations on EasyBillPay (EBP) service at https://payments.billdesk.com/ubp/sbi/index.jsp

    3. The offer is valid from 21st November 2014 to 20th December 2014

    4. For every new EBP Autopay registration, the cardholder will be eligible for 500 reward points per AutoPay registration with the maximum cap of 5000 reward points per card per user. Only AutoPay Bill registrations with “monthly” billing frequency are eligible for this offer

    5. The reward points will be credited to the Cardholders account by 30th April 2015 subject to following conditions:

    a. AutoPay bills registered between 21st November 2014 to 20th December 2014 are active on card

    b. Minimum 2 Bill payments against each Autopay registration have been made through SBI Card before 15th March 2015.

    c. Registered Bills have monthly payment cycle

    6. "AutoPay" is a service exclusively for SBI Credit Cardholders ("Cardholder"), to enable payment  of utility bills by  cardholders for utility companies listed in https://payments.billdesk.com/ubp/sbi/index.jsp . For the said service the customer agrees to pay a convenience charge; subject to revision/waiver promotions from time to time by SBI Card. The convenience charge will be upto 1.82% of the transaction amount for any transaction done for Cat 2 Billers and no convenience charge for any transactions done for Cat 1 Billers. The list of Cat 1 and cat 2 billers is as given on the website www.sbicard.com.

    7. The term "Utility Company" or "Biller"; shall mean a company, organization or entity that sends a Bill, statement or invoice, usually a request for payment for a product or service to the customer.

    8. AutoPay service is available for select billers in select cities.     
      
    9. The said services will be available to the credit card holders registered for this service and to the exclusion of all others.

    10. The Cardholder agrees that he/she would enter the Bill details correctly in the application website, if entered incorrectly it will not be the responsibility of SBI Card, and any further disputes are to be settled with the utility company directly by the card holder. It is specifically stipulated that all liability shall be on the cardholder in case of any incorrect entry and SBI card shall not be responsible whether directly, indirectly, incidentally or consequentially for any such acts of the cardholder.

    11. The cardholder shall take precaution to ensure that no double payment is made from his end for the same bill. SBI Card will not be liable for reversals in such cases and cardholder will need to liaise directly with Biller

    12. SBI Card will not bear the responsibility of late payment made by the cardholder

    13. The Cardholder should ensure that he/she receives a confirmation for the payment made by him/her through this facility. Any non-confirmation of the transaction, SBI card shall not be responsible and liable and accordingly no payments shall be made to the utility company.

    14. Payment to the registered Biller will be made only when we receive the bill from Biller. In case of failure in receiving the Bill from Biller, SBI card won’t be liable for non-payment.

    15. All disputes regarding the bill registration and payments should be raised within 6 months of the billing date, SBI Card will not bear any responsibility for wrong payments or registrations after 6 months

    16. Notwithstanding any other terms, it is stipulated that processing of all the payments is subject to the availability of free, clear and available limits in the cardholder's SBI Credit Card Account at the time of processing the transaction. In the event of credit limits not being available, cardholder will receive a payment failed report.

    17. In all situations where the cardholder services are discontinued/disrupted due to any acts of the utility company, governmental orders and any other related matter, SBI Card shall not be responsible and/or liable for the same and the cardholder shall be solely responsible and liable to settle such matters with its utility company and/or statutory authority

    18. The cardholder indemnifies SBI Card from and against all actions, suits, claims, liabilities and proceedings due to or arising out of any or all disputes between the cardholder and Utility companies or by reason of SBI Card acting in good faith and bonafide belief

    19. SBI Card will endeavor to effect payments / carry-out instructions received by it within Bill due date. However, SBI Card does not warrant that Payment / fulfillment of instructions will not be delayed for reasons beyond its control including any default on the part of the service provider. As the instructions would depend on various electronic technology used from time to time, there could be delays in receipt of any instructions by SBI Card from the cardholder and by the provider of Utilities / Services. For all such delays, the service provider of such services shall be responsible and liable being the owner and administrator of these services.

    20. This service is available only for individual primary cardholders and not corporate cardholders.
        
    21. It is clarified here that cardholder statement is adequate and conclusive proof that such payment was paid to utility company

    22. SBI Card is not in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services. The providers of Utilities / Services shall be solely responsible to the cardholder to render the Utilities / Services for which Payment is to be made by SBI Card and SBI Card shall not be responsible/liable for any deficiency in the same including, but not limited to, deficient quality, delivery, quantity etc., and shall not be made party to any disputes between the cardholder and any providers of Utilities / Services.

    23. The cardholder shall not hold SBI Card liable for any non-service, delayed service or faulty service rendered by the provider of Utilities / Services and shall not contact or communicate in any manner whatsoever, inter alia, by electronic mail, phone, post, SMS, or personal meeting with SBI Card in this regard.

    24. SBI Card will not accept any cancellation request by the cardholder if the payment transaction has been authorized on his card account and payment accepted by the Biller. Any disputes will have to be settled by the cardholder directly with the Biller.

    25. Nothing contained herein shall prejudice or affect the terms and conditions as mentioned in the Terms & Conditions booklet sent in the Credit Card welcome kit . The terms of this service shall be in addition to and not in derogation of the terms contained in the Terms & Conditions booklet

    26. Nothing contained in the said services shall be construed as binding obligation on SBI Card or any participating utility company to continue the services after the services are terminated.

    27. SBI Card reserves the right to charge and recover from the Cardholder, fees for availing the service, which may be altered with prior intimation to the cardholder.

    28. SBI Card shall have the right to revoke and/or discontinue this service to certain cardholders if it has reason and/or reasonable apprehension to believe that such continuing of this service shall gravely prejudice the commercial situation of SBI Card. Such a determination by SBI Card shall be at its sole and absolute discretion with reference to its cardholders

    29. All disputes and differences arising out and in connection with this service shall be subject to arbitration under the Arbitration and Conciliation Act, 1996 with any amendments thereof. The arbitration shall be conducted by a sole arbitrator appointed by SBICPSL. The place of arbitration shall be New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on parties. Existence of a dispute/difference shall not constitute a claim against SBICPSL. Notwithstanding the foregoing the courts in New Delhi shall have the exclusive jurisdiction to decide any matters related and connected to the instant terms.

    30. The said services will be effective subject to SBI Card Credit Card being valid and in good standing

    31. SBI Card may at its sole discretion accept of decline the said services by the utility company.

    32. SBI Card may change from time to time the utility companies for which said services are extended

    33. The record of charges in respect of the said services received or availed by cardholder and submitted by utility companies to cardholder’s Card Account will neither bear Cardholder  signature nor the imprint of Credit Card. Cardholder therefore undertake to unconditionally honor and pay without demur protest and contest all the said charges including interim charges booked by cardholder under the said services, as and when cardholder is billed for the same by SBI Card during the validity period of his Card and subsequent renewals thereof.

    34. SBI Card reserves the right to revoke / stop this facility if the credit behavior on the card is unsatisfactory

    35. This facility is available only for utility bills pertaining to residential uses, No commercial utility bills will be paid under this scheme

    36. No receipt will be given for bills paid through this facility. Cardholder statement is adequate proof that such payment was paid to utility company

    37. SBI Card neither endorses the Utilities / Services offered, nor is it in any manner party to the contracts that may be executed between the cardholder and the providers of such Utilities / Services

    38. The cardholder is liable to honour all his/her credit card commitments irrespective of any grievances/complaints that cardholder may have with utility companies.
     
    39. Cardholder will continue making payments towards  any utility bill outstanding until he/she receives an SMS/E-mail/letter confirmation from SBI Card indicating that his/her EasyBillPay facility has been activated along with effective date of activation.

    40. Cardholder agrees to communicate termination of facility to SBI Card in writing failing which the payment made to the utility company will be construed as valid and binding on him/her.

    41. Cardholder agrees to resolve disputes (if any) of whatsoever nature directly with the utility company and will not hold SBI Card liable for any deficiency of services provided by the utility company.

    42. It will be the responsibility of the cardholder to inform SBI Card in writing of any change or withdrawal of the EasyBillPay facility thus availed

    43. Any disputes arising out of disconnection of the utility facility, penalty from government and late charges on installment dues arising due to change / revocation of the facility will be the sole responsibility of the cardholder and the cardholder will not hold SBI Card responsible/liable for the same

  • September ’14_Offer Spend and GET CASHBACK Offer terms and conditions

    1.The  Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to select cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2.This offer shall be valid between the periods 1st Day of September 2014 to 30th September 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing.

    3.This Offer is made available to the Customer/s selected at the discretion of SBICPSL  .

    4.If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Call Centre. Spends on multiple cards cannot be clubbed by the SBI Credit Cardholder for the said offer.

    5.To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail the  offer.

    6.Qualifying transactions for spend or transaction count calculation does not include spends on fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    7.Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    8.Card holder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.

    9.SBICPSL  will not be responsible for email bounces, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system. Email/SMS will be sent to the email id and mobile number updated in our system.

    10.Under this Offer a SBI credit Cardholder can get FLAT CASHBACK on retail spends only in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL.

    11.Cashback will be credited to the SBICPSL  customer's account on or before 15th November 2014.

    12.This Offer 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.

     Standard Terms & Conditions

    1.Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    2.Any query regarding the Offer or any matter related thereof will be entertained only till 15th December 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    3.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.

    4.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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    5.In case of any dispute, decision of SBI Card will be final and binding.

    6.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.

    7.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'.

    8.SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.

    9.The above offer is by way of a special offer for select SBICPSL Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Card holder agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the Cardholder agreement.

  • September ’14 BONUS Reward Point Related Terms & Conditions

    1.The Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to Select cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2.This offer shall be valid between the periods 1st Day of September 2014 to 30th September 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing

    3.This Offer is made available to the Customer/s selected at the discretion of SBICPSL .

    4.If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Call Centre. Spends on multiple cards cannot be clubbed by the SBI Credit Cardholder for the said offer.

    4.To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail the  offer.

    5.Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    6.BONUS reward points are given only to the Cardholders who are eligible as part of this Programme on their SBI Credit Card. All decisions of SBICPSL about eligibility of cardholders for benefits under this Programme are final, absolute and binding on all Cardholders.

    7.BONUS reward Points will be credited to the SBI Card customer's account on or before 15th November 2014.

    8.Qualifying transactions for spend or transaction count calculation does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    9.Maximum BONUS reward points will be in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL.

    10.Cardholder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.

    11.SBICPSL Card will not be responsible for email bounces, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system. Email/SMS will be sent to the email id and mobile number updated in our system.

    12.There is a separate Reward Redemption fee made applicable on every redemption request and the same may be communicated to the Cardholder at the time of redemption and if and when the occasion arises.

    13.Standard SBICPSL Credit Card(s) Reward Points terms and conditions to govern the Offer. 

     Standard Terms & Conditions

     1.Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    2.Any query regarding the Offer or any matter related thereof will be entertained only till 15th December 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    3.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.

    4.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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    5.In case of any dispute, decision of SBI Card will be final and binding.

    6.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.

    7.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'.

    8.SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.

    9.The above offer is by way of a special offer for select SBICPSL Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Cardholder agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

  • International Spends Offer: 1% Foreign currency conversion Markup waiver

    1. This  SBI Card Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to  select residents of India holding a valid and current SBI Credit Card ('Cardholder') i.e., with no outstanding of more than 30 days

    2. Under this offer, the cardholder gets charged a standard Foreign Currency Markup of 3.5%.  Cardholder will get 1% of total spends as cashback  at the end of the offer period on the total amount spent internationally including transactions made on international websites. Effective markup is thus 2.5% only.

    3. The Offer is valid on all qualifying transactions as defined above  carried out  between the 6th  day of September, 2014  and  6th day of November 2014 (both days included) unless otherwise specified ('Term').

    4.  Offer is not valid on Cash/ATM withdrawals. SBICPSL reserves the sole right to decide whether a purchase meets the eligibility criteria as listed above.

    5. Cashback will be credited to the Cardholder’s account on or before 20th of Dec 2014.

    6. Maximum Cashback that can be credited to the cardholders account is Rs 5000.

    7. Any query regarding the program will be entertained till 31st Dec 2014. SBICPSL will not entertain any correspondence or communication regarding this offer post 20th Dec 2014.

    8. This Offer 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.

    9. 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.

    10. 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'.

    11. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

  • International Spends target offer: Spend International and get Free Yatra.com Gift Voucher

    1. This  SBI Card Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to  select residents of India holding a valid and current SBI Credit Card ('Cardholder') i.e., with no outstanding of more than 30 days

    2. All international transactions including spends made on international websites qualify under this Offer. Cash/ATM withdrawals do not qualify for this offer

    3. The Offer is valid on all qualifying transactions as defined above  carried out  between the 6th day of August ’14  and 6th day of November 2014 (both days included) unless otherwise specified ('Term').

    4.Under this Offer, a Cardholder will be eligible for a gift Voucher if he/she fulfills the below mentioned criteria.

    a. If the customer crosses the specified International Spends threshold as prescribed by SBICPSL by a communication sent directly to the Cardholders (ex-SMS, EDM, etc. or as deemed suitable at the sole discretion and option of SBICPSL)

    b.The gift will be as per the offer communication sent to the Cardholder

    c.The eligibility for the gift  will basis  all qualifying transactions/purchases made by using SBI credit Card in foreign currency during the Offer Term as per below slabs:

    (i) Rs. 25000 and More: Rs 2500 Travel voucher from Yatra.com

    (ii) Above Rs. 65,000: Rs 4000 Travel voucher from Yatra.com

    Note: Please refer to Annexure A for detailed Voucher terms and Conditions

    5. The gift will be given only to the Cardholders who are eligible as a part of the Offer on their SBI Credit Card.  Decision of SBICPSL about eligibility of cardholders is final and binding on the Cardholders.

    6. The Gift Voucher will be delivered to the Cardholder at the registered Email ID of the Cardholder as per records available with SBICPSL on or before 31st  day of December 2014

    7. In the scenario that SBICPSL is unable to deliver the gift at the registered Email ID SBICPSL will be able to resend the gift if eligible customers contact SBICPSL before 20th day of December 2014.

    8. Any query regarding the program will be entertained till 20th of December 2014. SBICPSL will not entertain any correspondence or communication regarding this offer post this date.

    9. This Offer 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.

    10. 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.

    11. 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'.

    12. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

    Annexure A

    Voucher Terms and Conditions

    1.      The voucher validity date will be mentioned on the voucher

    2.      These Vouchers are valid for booking on - Flights/Hotels (Domestic) only at Yatra.com.

    3.      This Voucher cannot be clubbed with any other ongoing offer/voucher discount/cash back/promotion run by Yatra.com.

    4.      Excess Amount needs to paid by SBI Credit Card only

    5.      No additional Discount / reduction in the price will be entertained other than that mentioned on the Voucher. In case if a purchase is less than the voucher value then customer can avail the discount maximum to the voucher value only & balance voucher amount will be forfeited.

    6.      Vouchers can be redeemed online using the unique voucher number at the time of booking.

    7.      How to use:

    1.      Select Airline/Hotel of choice on Yatra.com

    2.      Apply Voucher code on cart-page

    3.      If the value of travel is more than the value of voucher, then customer will have to make the balance payment using SBI Card only.

    4.      Note: In case if a purchase is less than the voucher value then customer can avail the discount maximum to the voucher value only & balance voucher amount will be forfeited.

    8.      Vouchers are non - cumulative.

    9.      For domestic flights, Customer will have to pay applicable convenience fee.

    10.  Each Travel Voucher can be used for one transaction only.

    11.  Any applicable government taxes/excess tour cost shall be payable at the time of booking (Only if the package cost exceed the voucher value)

    12. If a voucher is lost or stolen, Yatra will not be liable for replacement or Compensation.

    13. Confirmation of any booking will be subject to availability at the time of booking and will be governed by the standard booking terms & conditions of Yatra.com.

    14. Yatra.com is not liable to pay for any difference in fare/tariff between date of redemption request placement and date of using Travel Voucher during booking.

    15.No change or cash can be taken in exchange of this voucher.

    16.In case of cancellations, Travel Voucher amount will not be refunded back to the customer.

    17. All the terms and conditions of the Travel Voucher as given hereof and standard terms and conditions, user agreement, privacy policy (subject to change) of Yatra.com as mentioned in the website www.yatra.com and the terms and conditions of the respective hotel/resort shall be applicable on the Customer.

    18.Any legal disputes, whatsoever regarding any aspect of the promotion shall be handled in the jurisdiction of the courts in in Gurgaon, Haryana only.

  • Book early, Save lots with SpiceJet SBI Card

                                                                                        Terms and Conditions

    Book  early. Save lots with SpiceJet!

    Fares starting Rs.2999 all incl.

    Book till 01Aug'14 for travel b/w 06Jan-24Oct'15 on spicejet.com.

    1. Fare displayed above is all inclusive one way starting fare Fares vary from sector to sector depending on the travel distance.

    2. The sale is applicable for bookings made between 30th July 2014 and 01st August 2014 for travel between 06th January 2015 and 24th October 2015

    3. Blackout dates would be applicable Sale is valid only for travel on via and onward flights on domestic network.
     
    4. Sale is not available on direct flights.

    5. Sale is not valid on international flightsLimited inventory available on first-come-first-served basis Sale is only applicable on bookings made on www.spicejet.com, online travel portals and through travel agents. It is not available at SpiceJet's call centre and at SpiceJet Airport Ticketing Offices.

    6. Sale is not applicable on group bookings(group booking is when there are 10 or more passengers travelling on the same PNR) Sale shall not be applicable for bookings made for infant(s)These fares are non-refundable. For any changes made in the booking, a change fee and difference of fare would be borne by the passenger.

    7. Flight schedules and timings are subject to regulatory approvals and change(s) For detailed terms and conditions, log on to www.spicejet.com

    8. This offer is brought to you by SpiceJet. SBICPSL is communicating the offer on behalf of SpiceJet to the SpiceJet SBI Card base and is not liable for any disputes pertaining to the quality and/ or delivery of the goods/services provided by SpiceJet under this offer."

     

  • SpiceJet Super Sale for SpiceJet SBI Cardholders

    SpiceJet Super Sale 

    Fares starting Rs.2099 all inclusive 

    Book between 22 Jul’14 to 24 Jul’14  for travel between  24 Aug’14-26 Sep'14 on spicejet.com 

    Limited Seats.Book Now! 

    Terms and Conditions :  

    1. Fare displayed above is all inclusive one way starting fare

    2. Fares vary from sector to sector depending on the travel distance 

    3. The sale is applicable for bookings made between 22nd July, 2014 and 24th July, 2014 and for travel between 24th August, 2014 and 26th September, 2014. 

    4. Sale is valid only for travel on Direct ,Via & Onward on select domestic flights

    5. Sale is not valid for international sectors 

    6. Super Sale is a limited-inventory sale available on first-come-first-served basis 

    7. The sale is only applicable on bookings made on www.spicejet.com, online travel portals and through travel agents only. The sale is not available at SpiceJet’s call centre and at airport ticketing offices. 

    8. The sale is not applicable on group bookings (group booking is when there are 10 or more passengers travelling on the same PNR) 

    9. Changes in the bookings are allowed as per charges mentioned upon www.spicejet.com, as applicable.

    10. Flight schedules and timings are subject to regulatory approvals and change(s)

    11. For detailed terms and conditions, log on to www.spicejet.com

    12. This offer is brought to you by SpiceJet. SBICPSL is communicating the offer on behalf of SpiceJet to the SpiceJet SBI Card base and is not liable for any disputes  pertaining to the quality and/ or delivery of the goods/services provided by SpiceJet under this offer."

  • SpiceJet Monsoon Sale for SpiceJet SBI Cardholders

                                            SpiceJet Monsoon Sale

    Fly across India at fares starting Rs.1,999 all-in.

    Presenting  the SpiceJet Monsoon Sale. You can now fly at fares starting Rs.1,999 all-in to anywhere across India.

    Book between 15th and 17th July 2014 for travel between 18thAugust and 30th September, 2014.

    So what if the rains aren't putting a smile on your face yet, the low fares we have in store for you surely will!

    Limited seats! Book Now.

    Terms and Conditions:

    1. The fares displayed above are one way starting all-in fares.

    2. The fares vary from sector to sector depending on the travel distance.

    3. The sale is applicable for bookings made between 15th July and 17th July, 2014 and for travel between 18th August, 2014 and 30th September, 2014

    4. Blackout dates will be applicable

    5. The offer is valid for travel on Direct, Via & Onward connections on our domestic network only

    6. The offer is not valid on international sectors
     
    7. Limited inventory available on first-come-first-served basis
     
    8. The offer is applicable on bookings made on www.spicejet.com, online travel portals and through travel agents only.
     
    9. The offer is NOT available at SpiceJet's Sales and Reservation Centre and at our Airport Ticketing Offices.

    10. The offer is NOT applicable on group bookings 11. The fares displayed above are non-cancellable fares.

    12. Changes are applicable as per normal charges.

    13. Flight schedules and timings are subject to regulatory approvals and change(s) 14. For detailed terms and conditions, log on to www.spicejet.com/monsoonsale.aspx

    15. This offer is brought to you by SpiceJet. SBICPSL is communicating the offer on behalf of SpiceJet to the SpiceJet SBI Card base and is not liable for any disputes pertaining to the quality and/ or delivery of the goods/services provided by SpiceJet under this offer."

  • Activation Offer E-Voucher Terms & Conditions

    Activation Offer E-Voucher terms and conditions - Jabong

    1. This is a promotional Jabong voucher offer” (”Offer”) jointly made available by SBI Cards and Payments Services Private Limited (“SBICPSL”)   under a commercial arrangement with Jabong. This Offer is further made available only to such SBI Cardholders to whom this Offer is communicated through an appropriate medium chosen at the sole option and discretion of SBICPSL.

    2. This offer shall be valid till 31st December 2014 (‘Term’) unless extended by the parties in mutual consent in writing.

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.  Card.

    4. The cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    5. Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    6. Eligible cardholders will be entitled to an e-voucher (“E-Voucher”) subject to the terms and conditions as contained herein. These terms are jointly set forth by Jabong and SBICPSL.

    7. Customer can avail 30% off on a minimum purchase of INR 1599/-. The coupon is valid only for the customer’s first Jabong transaction.

    8. Offer is applicable on select products and brands

    9. SBI Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at www.jabong.com/sbi, using the coupon code “MYSBI480” .All SBI Cardholders must therefore visit the Jabong Website and use their SBI Card while making the payment.

    10. SBI Cardholders should contact Jabong directly in case of any difficulty or queries in relation to the use of the Jabong Website and/or redemption of the E-Vouchers. 

    11. E-Vouchers can only be redeemed/used within the validity period i.e until 31st December 2014 as notified to the SBI Cardholder via the email/SMS.

    12. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Jabong (as modified by Jabong from time to time) and it is the sole responsibility of the SBI Cardholder to check and comply with these terms and conditions.

    13. SBI Cardholders should check with Jabong directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.

    14. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www.jabong.com against the e-voucher.

    15. Every SBI Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this Jabong Voucher Offer General Terms and Conditions of Promotion.

    16. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.


    Activation Offer E-Voucher terms and conditions - eBay

    1. This is a promotional eBay voucher offer” (”Offer”) jointly made available by SBI Cards and Payments Services Private Limited (“SBICPSL”)   under a commercial arrangement with eBay. This Offer is further made available only to such SBI Cardholders to whom this Offer is communicated through an appropriate medium chosen at the sole option and discretion of SBICPSL.

    2. This offer shall be valid till 31st December 2014 (‘Term’) unless extended by the parties in mutual consent in writing.

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.  Card.

    4. The cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    5. Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    6. Eligible cardholders will be entitled to an e-voucher (“E-Voucher”) subject to the terms and conditions as contained herein. These terms are jointly set forth by eBay and SBICPSL.

    7. Customer can avail Rs. 100 off on a minimum purchase of INR 500/-.

    8. The coupon is valid only for the customer’s first eBay transaction.

    9. SBI Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at www.ebay.in/sbi, using the coupon code “SBIEBAY100” .All SBI Cardholders must therefore visit the eBay Website and use their SBI Card while making the payment.
     
    10. SBI Cardholders should contact eBay directly in case of any difficulty or queries in relation to the use of the eBay Website and/or redemption of the E-Vouchers.
     
    11. E-Vouchers can only be redeemed/used within the validity period i.e until 31st December 2014 as notified to the SBI Cardholder via the email/SMS.

    12. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by eBay (as modified by eBay from time to time) and it is the sole responsibility of the SBI Cardholder to check and comply with these terms and conditions.

    13. SBI Cardholders should check with eBay directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.

    14. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www. eBay.in against the e-voucher.

    15. Every SBI Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this eBay Voucher Offer General Terms and Conditions of Promotion.

    16. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.


    Activation Offer E-Voucher terms and conditions - Myntra

    1. This is a promotional Myntra voucher offer” (”Offer”) jointly made available by SBI Cards and Payments Services Private Limited (“SBICPSL”)   under a commercial arrangement with Vector E-commerce Private Limited (Myntra). This Offer is further made available only to such SBI Cardholders to whom this Offer is communicated through an appropriate medium chosen at the sole option and discretion of SBICPSL.

    2. This offer shall be valid till 31st December 2014 (‘Term’) unless extended by the parties in mutual consent in writing.
     
    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.  Card.

    4. The cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    5. Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    6. Eligible cardholders will be entitled to an e-voucher (“E-Voucher”) subject to the terms and conditions as contained herein. These terms are jointly set forth by Myntra and SBICPSL.

    7. Customer can avail 35% off on a minimum purchase of INR 999/-. Maximum discount offered in Rs.350/-.

    8. The coupon is valid only for the customer’s first Myntra transaction.

    9. SBI Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at  www.myntra.com/sbi-card-offers, using the coupon code “MYSBI350” .All SBI Cardholders must therefore visit the Myntra Website and use their SBI Card while making the payment.
     
    10. SBI Cardholders should contact Myntra directly in case of any difficulty or queries in relation to the use of the Myntra Website and/or redemption of the E-Vouchers.
     
    11. E-Vouchers can only be redeemed/used within the validity period i.e until 31st December 2014 as notified to the SBI Cardholder via the email/SMS.

    12. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Myntra (as modified by Myntra from time to time) and it is the sole responsibility of the SBI Cardholder to check and comply with these terms and conditions.

    13. SBI Cardholders should check with Myntra directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.

    14. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www. Myntra.com against the e-voucher.

    15. Every SBI Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this  Myntra Voucher Offer General Terms and Conditions of Promotion.

    16. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.

     

    Other T & Cs

    17. The products and/or services offered under this offer are at the sole responsibility of the participating Merchant 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 .

    18. 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. SBICPSL shall under no circumstances be responsible towards the same.

    19. 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.E-Vouchers will not be re-issued in case of loss or deletions (accidental or otherwise) of e-mail /SMS, and will not be extended, revalidated or reissued if not redeemed  within the validity period.

    20. Any person availing this offer shall be deemed to have accepted these Terms and Conditions
     
    21. SBICPSL  will not be responsible for any non-receipt (for any reason) by Cardholders of their E-Voucher entitlements, including without limitation, due to failure of transmission of the coupon code via email, SMS or other registered contact details of the Cardholder.

    22. Whilst information about the Promotion is correct at the time of publication, SBICPSL may discontinue, amend, vary and/or withdraw the Promotion (or any aspect of it, including terms and conditions thereof) at any time with/without prior notice.

    23. For the avoidance of doubt, SBICPSL will not be obliged to publish or reveal under any circumstances the list of qualifying Cardholders, any information relating to coupon code under the Promotion, or the selection process under the Promotion except as may be mandated by law.

    24. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    25. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    26. In case of any dispute, decision of SBICPSL shall be final and binding.

    27. 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.

    28. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • July'14 Offer Spend and get BONUS Reward Points T&C

    1. The Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to Select cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 5th Day of July 2014 to 4th August 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing.
     
    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.

    4. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Call Centre. Spends on multiple cards cannot be clubbed by the SBI Credit Cardholder for the said offer.


    5. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail the  offer.

    6. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    7. BONUS reward points are given only to the Cardholders who are eligible as part of this Programme on their SBI Credit Card. All decisions of SBICPSL about eligibility of cardholders for benefits under this Programme are final, absolute and binding on all Cardholders.

    8. BONUS reward Points will be credited to the SBI Card customer's account on or before 15th September 2014.

    9. Qualifying transactions for spend or transaction count calculation does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    10. Maximum BONUS reward points will be in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL.

    11. Cardholder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.

    12. SBICPSL Card will not be responsible for email bounces, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system. Email/SMS will be sent to the email id and mobile number updated in our system.

    13. There is a separate Reward Redemption fee made applicable on every redemption request and the same may be communicated to the Cardholder at the time of redemption and if and when the occasion arises.

    14. Standard SBICPSL Credit Card(s) Reward Points terms and conditions to govern the Offer. 

    Standard Terms & Conditions

    15. Any person availing this offer shall be deemed to have accepted these Terms and Conditions.

    16. Any query regarding the Offer or any matter related thereof will be entertained only till 30th September 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    17. 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.

    18. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    19. In case of any dispute, decision of SBI Card will be final and binding.

    20. 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.

    21. 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'.

    22. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.

    23. The above offer is by way of a special offer for select SBICPSL Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Cardholder agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

  • July'14 Offer Spend and get CASHBACK T&C

    1. The  Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to select cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 5th Day of July 2014 to 4th August 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing.

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL  .

    4. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Call Centre. Spends on multiple cards cannot be clubbed by the SBI Credit Cardholder for the said offer.

    5. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail the  offer.

    6. Qualifying transactions for spend or transaction count calculation does not include spends on fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    7. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    8. Card holder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.

    9. SBICPSL  will not be responsible for email bounces, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system. Email/SMS will be sent to the email id and mobile number updated in our system.

    10. Under this Offer a SBI credit Cardholder can get FLAT CASHBACK on retail spends only in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL.

    11. Cashback will be credited to the SBICPSL  customer's account on or before 15th September 2014.

    12. This Offer 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.

    Standard Terms & Conditions

    13. Any person availing this offer shall be deemed to have accepted these Terms and Conditions.

    14. Any query regarding the Offer or any matter related thereof will be entertained only till 30th September 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    15. 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.

    16. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    17. In case of any dispute, decision of SBI Card will be final and binding.

    18. 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.

    19. 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'.

    20. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.

    21. The above offer is by way of a special offer for select SBICPSL Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Card holder agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the Cardholder agreement.

  • July''14 Offer Spend and GET Jabong Voucher T&C

    1. This Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to SELECT cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 5th Day of July 2014 to 4th August 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.

    4. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.

    5. Qualifying transactions for spend or transaction count calculation does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    6. 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-voucher code will not be sent.

    7. Maximum discount on e-voucher to shop at www.jabong.com (hereafter “vendor”) will be in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    8. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    Gift e-Voucher related T&C:

    9. e-voucher code is a 16 digit alpha numeric code that will be communicated to eligible cardholders through SMS and/or email to registered mobile number and/or email address updated with SBICPSL within 45 days of offer end date.

    10. 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.

    11. Select products at www.jabong.com and enter e-voucher code at cart page to avail the offer.

    12. E-voucher valid on all products including sale items at vendor.

    13. E-Voucher not valid on any other mode of payment available at vendor. Any additional payment must be charged to SBI credit card to avail the offer.

    14. Offers not valid for payment through Cash on delivery (COD)/Net banking/Debit Card /any other bank credit card, or any other available mode of payment available at vendor.

    15. E-Voucher code is valid for one time use on Vendor site only. E-Voucher Code not valid for multiple usages.

    16. E-Voucher can only be redeemed/used within the validity period of 2 months from the day the voucher is issued and notified to the SBI Cardholder via the email/SMS containing the e-voucher code.

    17. E-Voucher discounts will be applied to the total merchandise value including VAT and other applicable taxes.

    18. E-voucher cannot be clubbed with any other promotion/offer running on vendor unless otherwise specified.

    19. All orders are subject to stock availability at the time of placing of order at vendor.
     
    20. By placing an order, the customer accepts all terms and conditions specified on vendor’s web site.

    21. In case of any query pertaining to use of E-voucher, please email to customer care at care@jabong.com or call @ 0124-6128000.

    22. 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.

    23. 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 SBICPSLshall not entertain any correspondence in this regard.

    24. 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.

    25. 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. SBICPSL shall under no circumstances be responsible towards the same.

    26. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL  or by the Vendor.

    27. 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.

    Standard Terms & Conditions

    28. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    29. Any query regarding the Offer or any matter related thereof will be entertained only till 30th September 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    30. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    31. 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.

    32. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    33. In case of any dispute, decision of SBICPSL  shall be final and binding.

    34. 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.

    35. 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'.

    36. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • July’14 offer Spend ONLINE and get BONUS rewards points offer

    1. The Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to Select cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 5th Day of July 2014 to 4th August 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL .

    4. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Call Centre. Spends on multiple cards cannot be clubbed by the SBI Credit Cardholder for the said offer.

    5. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail the  offer.

    6. 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.

    7. Qualifying transactions for spend calculation does not include spends on point of sale/merchant store, Fuel,  ATM Cash Withdrawal, Balance Transfer, Encash and Easy Money draft products of SBICPSL .

    8. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    9. BONUS reward points are given only to the Cardholders who are eligible as part of this Programme on their SBI Credit Card. All decisions of SBICPSL about eligibility of cardholders for benefits under this Programme are final, absolute and binding on all Cardholders.

    10. BONUS reward Points will be credited to the SBI Card customer's account on or before 15th September 2014.

    11. Maximum BONUS reward points will be in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL.

    12. Cardholder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.

    13. SBICPSL Card will not be responsible for email bounces, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system. Email/SMS will be sent to the email id and mobile number updated in our system.

    14. There is a separate Reward Redemption fee made applicable on every redemption request and the same may be communicated to the Cardholder at the time of redemption and if and when the occasion arises.

    15. Standard SBICPSL Credit Card(s) Reward Points terms and conditions to govern the Offer. 

    Standard Terms & Conditions

    16. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    17. Any query regarding the Offer or any matter related thereof will be entertained only till 30th September 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    18. 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.

    19. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    20. In case of any dispute, decision of SBI Card will be final and binding.

    21. 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.

    22. 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'.

    23. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.

    24. The above offer is by way of a special offer for select SBICPSL Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Cardholder agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

  • June'14 Offer Spend and get 2% CASHBACK T&C

    1. The  Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to select cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 5th Day of June 2014 to 6th July 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing.

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL  .

    4. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Call Centre. Spends on multiple cards cannot be clubbed by the SBI Credit Cardholder for the said offer.

    5. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail the  offer.

    6. Qualifying transactions for spend calculation does not include spends on ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    7. Offer valid on retail, online, point of sale/merchant store and/or fuel transactions.

    8. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    9. Card holder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.

    10. SBICPSL  will not be responsible for email bounces, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system. Email/SMS will be sent to the email id and mobile number updated in our system.

    11. Under this Offer a SBI credit Cardholder can upto 2% Cashback on total retail spends only in accordance with the instructions/specifications provided therein in the communication sent by SBICPSL subject to earning a maximum of Rs 2000 cashback during offer period.

    12. Cashback will be credited to the SBICPSL  customer's account on or before 15h August 2014.

    13. This Offer 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.

    Standard Terms & Conditions

    14. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    15. Any query regarding the Offer or any matter related thereof will be entertained only till 30th August 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    16. 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.

    17. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    18. In case of any dispute, decision of SBI Card will be final and binding.

    19. 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.

    20. 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'.

    21. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.

    22. The above offer is by way of a special offer for select SBICPSL Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Card holder agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the Cardholder agreement.

  • June'14 Offer Spend and GET Jabong Voucher T&C

    1. This Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to SELECT cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the periods 5th Day of June 2014 to 6th July 2014 both days included (“Term”) unless extended by the parties in mutual consent in writing

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.

    4. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.

    5. Qualifying transactions does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    6. 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-voucher code will not be sent.

    7. Maximum discount on e-voucher to shop at www.jabong.com (hereafter “vendor”) will be in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    8. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    Gift e-Voucher related T&C:

    9. e-voucher code is a 16 digit alpha numeric code that will be communicated to eligible cardholders through SMS and/or email to registered mobile number and/or email address updated with SBICPSL within 45 days of offer end date.

    10. 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.

    11. Select products at www.jabong.com and enter e-voucher code at cart page to avail the offer.

    12. E-voucher valid on all products including sale items at vendor.

    13. E-Voucher not valid on any other mode of payment available at vendor. Any additional payment must be charged to SBI credit card to avail the offer.

    14. Offers not valid for payment through Cash on delivery (COD)/Net banking/Debit Card /any other bank credit card, or any other available mode of payment available at vendor.

    15. E-Voucher code is valid for one time use on Vendor site only. E-Voucher Code not valid for multiple usages.

    16. E-Voucher can only be redeemed/used within the validity period of 2 months from the day the voucher is issued and notified to the SBI Cardholder via the email/SMS containing the e-voucher code.

    17. E-Voucher discounts will be applied to the total merchandise value including VAT and other applicable taxes.

    18. E-voucher cannot be clubbed with any other promotion/offer running on vendor unless otherwise specified.

    19. All orders are subject to stock availability at the time of placing of order at vendor.

    20. By placing an order, the customer accepts all terms and conditions specified on vendor’s web site.

    21. In case of any query pertaining to use of E-voucher, please email to customer care at care@jabong.com or call @ 0124-6128000.

    22. 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.

    23. 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 SBICPSLshall not entertain any correspondence in this regard.

    24. 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.

    25. 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. SBICPSL shall under no circumstances be responsible towards the same.

    26. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL  or by the Vendor.

    27. 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.

    Standard Terms & Conditions

    28. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    29. Any query regarding the Offer or any matter related thereof will be entertained only till 31st August 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    30. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    31. 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.

    32. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    33. In case of any dispute, decision of SBICPSL  shall be final and binding.

    34. 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.

    35. 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'.

    36. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • SpiceJet Mega Sale for SpiceJet SBI Cardholders.

                                                        SpiceJet Mega Sale : Terms and Conditions

    10,00,000 seats are up for grabs at fares starting Rs. 999*! SpiceJetMegaSale is here.
    Book between 8th and 10th July 2014 for travel between 6th January and 24th October 2015 to destinations across India.

    Hurry! Sale ends 10th July 2014.

    *Terms and Conditions :
     
    1. *Fare displayed above is one way starting Base fare only. All the other statutory taxes is applicable.

    2. Fares vary from sector to sector depending on the travel distance.

    3. The sale is applicable for bookings made between 8th July to 10th July, 2014 and for travel between 6th Jan’15 to 24th Oct, 2015.

    4. Blackout dates would be applicable.

    5. Offer is valid only for travel on Direct ,Via & Onward on domestic network.

    6. International sectors don’t feature in this sale.

    7. Limited inventory available on First-Come-First-Served basis.

    8. The offer is only applicable on bookings made on www.spicejet.com, online travel portals and through travel agents only; and is NOT available at SpiceJet’s Sales and Reservation Centre and at our Airport Ticketing Offices.

    9. Not applicable on group bookings

    10. Fares are non-refundable/non-cancellable. Changes is applicable as per normal charges.

    11. Flight schedules and timings are subject to regulatory approvals and change(s).

    12. For detailed terms and conditions, log on to www.spicejet.com/megasale.aspx

    13. This offer is brought to you by SpiceJet. SBICPSL is communicating the offer on behalf of SpiceJet  to the SpiceJet SBI Cardholders and is not liable for any disputes pertaining to the quality and/ or delivery of the goods/services provided by SpiceJet under this offer."

  • Get 250 Reward Points on registering at sbicard.com. (Valid till 30 Sep’14)

    1. This Website  Reward Point (“ Offer”) is from SBI Card and Payments Services Private Limited (“SBICPSL”) and is open to selected SBI Cardholders (cardholder) who have received  the offer from SBICPSL through an appropriate medium decided by SBICPSL.

    2. This Offer is open to all residents of India, holding a valid and current SBI Card.

    3. The Offer is valid on all card types except Corporate Card &, Advantage Cardholders.

    4. This offer is not valid on credit card types, which don’t have reward point as feature of card.

    5. The Offer is valid between the period 1st July – 30th Sep’14 (Both inclusive) (hereinafter “ The Term”).

    6. Under this Offer selected SBI Cardholders who are currently not registered on www.sbicard.com will get 250 Reward Points on successfully registering on the sbicard.com website.

    7. Maximum reward points that can be earned by a Cardholder during the offer term is 250.

    8. No Reward points will be credited to the Cardholders who are blocked or delinquent any time during the offer or at the end of the Offer Term or during the period in  between the end date and the due date of credit of the Reward Points.

    9. The Statement of Account shall reflect the reward points accrued under this Offer and in accordance with these terms and the same shall be the conclusive evidence thereto.

    10. The reward points will be credited to the cardholders account latest by 31st October’2014.

    11. SBICPSL shall incur no liability if it is unable to effect any transaction on the transaction date because of the existence of any one or more of the following circumstances: (a) If the Credit Card Account does not contain sufficient funds to cover for payment of the transaction or the transaction amount exceeds the available credit limit (b) On account of delay on the part of the Cardholder in authorizing transaction to SBI Card(c) Circumstances beyond SBI Card control (such as, but not limited to, fire, flood, systems failure like computer breakdown or problems with a telephone line due unforeseeable cause or interference from an outside force

    12. These terms of offer are in addition to the terms of SBICPSL ‘Shop and Smile’ Reward points programme and the two be read in conjunction to each other in assigning any meaning to these terms.

    13. There is a separate reward points redemption fee and such fee shall be made applicable at each time that the redemption are sought to be effected through appropriate mediums set forth by SBICPSL in this regard and such fees shall be communicated via such mediums, if and when the occasion arises.

    14. The terms and conditions of this offer may be altered, amended or changed by SBICPSL at its sole option and discretion at any time without affecting the service request and booking of offer which is already done.

    15. SBI credit cardholders are not bound in any way to participate in this offer. Any such participation is voluntary. This offer is offered by SBICPSL on best effort basis.

    16. Government service tax shall be levied on all fee, interest charges, etc as applicable.

    17. All disputes and/or differences directly arising out of this particular Offer as between the Cardholder and SBICPSL shall be settled by arbitration conducted by a sole arbitrator appointed by SBICPSL. The Arbitration and Conciliation Act, 1996 governs such proceedings to be conducted in English at New Delhi. The award of the arbitrator shall be final and binding on the parties. Existence of a dispute does not constitute a claim against SBI Card.

    18. This Offer Terms & Conditions shall be read in conjunction with the Terms & Conditions applicable to the service request made and the offer booked, available on www.sbicard.com

    19. In case of any queries/clarifications, cardholder can call at SBI Card helpline.

    20. SBI Card disclaims all liability with regard to use of information provided herein and the specifically stipulates that the information is being provided on a best -effort basis for informational purposes only. SBI Card shall not be responsible for any losses and/or damages to any person for use of the information.

  • Exclusive Discount offer on Domestic/International Flight and Domestic Hotel for Selected Yatra SBI Cardholders

    Offer Details  

    1. Offer is valid for bookings made between July 1, 2014 and September 30, 2014.

    2. The offer will apply on bookings made with Yatra SBI Credit Card only.

    3. Offer is valid on domestic & international flights and domestic hotels.

    4. Offer will be valid on the usage of promo code: SBIYATRA along with Yatra SBI Credit Card on payment age.

    5. In case of domestic flight bookings, a particular card can only be used for three transactions in a month during the offer period.

    6. Discount will apply only on a full purchase through the Yatra SBI Credit Card.

    Travel Period : Open  

    Product

    Discount

    Minimum booking amount

    Domestic flight

    Rs.400 on one way

    NA

    Rs.800 on round trip

    International flight

    Rs. 1,500

    Rs.20,000 and above

    Domestic hotel

    25% (up to a maximum of Rs 3000)

    Rs 5,000 and above

    Promo code for offer: “SBIYATRA”

    Terms & Conditions: 

    1. This marketing program ("Programs") from Yatra and SBI Card is open to the selected set of Yatra Card holders ("Customer(s)"/"Cardholder(s)").

    2. The discount extended can be availed by the customers making a full purchase only through their Yatra SBI Credit Card on Yatra's website www.yatra.com ("Website").

    3. Customers have to submit the promo code “SBIYATRA " in the promo code field on Yatra.com's payment page and necessarily use Yatra SBI Credit Card for the transaction. The amount of discount received will reflect at the next step on the website (Yatra.com).

    4. Discount will not be valid on cancelled tickets/bookings or for charge back transactions. Yatra Online Private Limited reserves the right to reverse the discount in case the ticket/booking is found to be cancelled later.

    5. This offer is not valid for travel agents. Yatra reserves the right to recover the discounted amount if such a case i s brought or comes to Yatra notice.

    6. This offer is valid only on online bookings made on Yatra's website (www.yatra.com) and the customer is required to mention the promo code for all bookings on the website.

    7. All tickets and bookings will be subject to availability at the time of booking and will be governed by the standard airline and hotel terms and conditions.

    8. Offer is not valid on select hotels. To check the list, please log on to www.yatra.com/offer/dom/detail/exception-hotels

    9. All standard Terms and Conditions (as amended from time to time) mentioned on Yatra website would apply. In case of third party services/products, customer's   sole recourse against the third party services/products being provided by third party suppliers shall be with the concerned suppliers only, and shall be subject to said supplier's own terms and conditions.

    10. This offer is not valid for split bookings where customer makes m ultiple bookings to avail multiple discounts. Yatra reserves the right to recover the discounted amount or cancel the booking if such a case is brought or comes to Yatra's notice.

    11. All purchases made under the program shall be subject to applicable cancellation/date change rules. In case of a cancellation, Yatra shall reverse the discount and shall not provide additional discount to the customer.

    12. Discounts provided under the offer cannot be clubbed with any other offer or discount extended by Yatra as part of any other arrangement.

    13. Products offered under this program are subject to availability.

    14. All government levies like sales tax, TDS, any local tax, octroi etc., shall be payable by the customer as applicable at the time the respective discounts were offered.

    15. Customers are not bound in any way to participate in the programs. Any such participation is voluntary and the same is being made purely on a 'best effort basis'.

    16. Yatra reserves the right to modify or change any of the terms and conditions applicable to these programs/offer at any time without any prior notice.

    17. Any disputes arising out of this offer shall be subject to the exclusive jurisdiction of competent courts at Gurgaon, Haryana, India only.

    18. This is a limited period offer and both the partners can change the offer terms anytime.

  • Get Rs.1000 cashback on booking Encash online at sbicard.com!

    1. This Encash Flat Rs. 1,000 Cash back offer for online bookings greater than or equal to 50k’ Offer ("Offer") is made by SBI Cards & Payment Services Pvt. Ltd ("SBICPSL") to certain SBI Credit Card holders ("Cardholders"). 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.

    2. This offer is applicable only for Encash bookings done on www.sbicard.com, by the eligible cardholders, during the offer period. SBI Cardholders who book Encash on www.sbicard.comduring the offer period would be eligible for flat Rs. 1000 Cash back on Encash booking equal to or greater than Rs. 50,000.

    3. The offer is valid from 20th June 2014 to 31st August 2014. (Both days inclusive).

    4. The cash-back amount will be credited to the cardholder’s account within 60 days of the Encash booking done online. The credited amount towards the cash-back will be rolled back/reversed if the cardholder cancels the Encash booking done online between 20th June ’14 to 31st Aug. ‘14 (during the offer period). The reversal will happen within 30 days after the offer ends (i.e. by 30th Sep 2014). The maximum cash back that can be earned during the offer period for Encash bookings is INR 1000.

    5. Encash carries a reducing rate of interest and such reducing rate of interest shall be communicated to the Cardholder vide an amortization schedule duly recorded in the Encash sanction letter issued by SBICPSL to the Cardholder. This Reducing rate of interest shall be charged to the Cardholder on the offered principal amount and 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.

    6. The Rate of Interest applicable for Encash facility is card member 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:

    a. Past transaction / repayment behavior of the customer

    b. Credit risk profile

    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 7% - 24.55%.

    7. Encash also carries a one-time Processing fees of 2% of the booking amount subject to a minimum of INR 499 and a maximum of INR 3000

    8. 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.

    9. 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).

    10. The aforesaid general terms and conditions dealing with interest rate etc under Clauses 5 to 8 are applicable on all Encash Offerings irrespective of the specific benefits under this Offer.

    11. The Cardholders are being offered the option of availing the benefits under this Offer by requesting for a Demand Draft or a Cheque. SBICPSL shall issue either of these two monetary instruments as per choice and request made by the Cardholder.

    12. 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.

    13. The monthly repayment schedule will begin from the SBI Cardholder next billing statement and continue over the tenure period chosen for the Offer.

    14. 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).

    15. Non Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.35%p.m. on the unpaid monthly repayment amounts.

    16. Under Payment of MAD will attract normal late payment fees and a maximum credit charge of 3.35%p.m. on the unpaid monthly repayment amounts.

    17. 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.

    18. The SBI Cardholder is supposed to pay the MAD in full to avoid getting delinquent.

    19. The SBI cardholder shall be levied a foreclosure fee amounting to 3% of the Principal amount outstanding in case of the Offer being voluntarily pre-closed by the customer prior to the maturity of the tenure period opted for. The principal outstanding is calculated basis reducing interest rate as shown in the amortization scheduled sent along with Encash Cheque/ Draft. In the illustration mentioned in point 31 the “balance” column will be used to calculate the foreclosure amount for example if the cardholder forecloses in the 5th month the foreclosure amount will be calculated as Rs 12097.82*3% =Rs 362.93.

    20. In the event, a cardholder puts a cancellation request, within 45 days of Offer getting booked then all fees charged will be reversed. Notwithstanding above it is clarified that the applicable charges will not be reversed once a cheque or a draft issued to the cardholder has been cleared and resulted in a clear credit to the Cardholder account . Any cancellations after 45 days of Offer getting booked, the fees charged will not be reversible and the same shall be charged to the cardholder.

    21. No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.

    22. 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.

    23. Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.

    24. Government service tax shall be levied on all fees, interest charges etc. as applicable.

    25. 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.
    26. By availing this Offer and by conducting a financial transaction (encashing the Encash Demand Draft / Cheque), and/or by booking the Offer online on www.sbicard.com, 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.

    27. 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

    28. SBICPSL may at its sole option and discretion withdraw this Offer with prior notice any time before the Encash Demand draft / cheque has been honoured/banked.

    29. The cardholder would generally receive the instrument within 3 working days (for Metro locations) or 5 working days of booking (for all other locations). 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 may also occur in the event of customer address is incomplete/untraceable/shifted or scenarios when the customer is not available. SBI Card would not be held liable in the event of non-delivery of the instrument within the specified timeline.

    30. 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.

    31. Illustrative example of amortization schedule:

    Sr. No.

    MRA Billing Date* (Rs.)

    MRA$(Rs.)

    Interest(Rs.)

    Principal(Rs.)

    Balance(Rs.)

    GST#(Rs.)

    1

    10/25/2013

    1,833.33

    299.53

    1,533.80

    18,466.20

    37.02

    2

    11/25/2013

    1,833.33

    276.56

    1,556.77

    16,909.43

    34.18

    3

    12/25/2013

    1,833.33

    253.25

    1,580.09

    15,329.34

    31.30

    4

    1/25/2014

    1,833.33

    229.58

    1,603.75

    13,725.59

    28.38

    5

    2/25/2014

    1,833.33

    205.56

    1,627.77

    12,097.82

    25.41

    6

    3/25/2014

    1,833.33

    181.19

    1,652.15

    10,445.67

    22.39

    7

    4/25/2014

    1,833.33

    156.44

    1,676.89

    8,768.78

    19.34

    8

    5/25/2014

    1,833.33

    131.33

    1,702.01

    7,066.77

    16.23

    9

    6/25/2014

    1,833.33

    105.84

    1,727.50

    5,339.28

    13.08

    10

    7/25/2014

    1,833.33

    79.96

    1,753.37

    3,585.91

    9.88

    11

    8/25/2014

    1,833.33

    53.70

    1,779.63

    1,806.28

    6.64

    12

    9/25/2014

    1,833.33

    27.05

    1,806.28

    0.00

    3.34

     

     

     

     

     

     

     

    Request Id

     0000000

     

     

     

     

     

    Principal

     Rs.20,000

     

     

     

     

     

    MRA

     Rs. 1,833.33

     

     

     

     

     

    R.O.I **

     10.00% p.a.

     

     

     

     

     

    Tenure

     12 Months

     

     

     

     

     

            
    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 Government Service Tax
    # Government Service Tax calculated @ 12.36% of interest component.
    ** - This is the flat rate of interest and is used to calculate the monthly repayment amount. The above flat rate of interest translates into 17.97% p.a. reducing interest rate.

  • Get upto 100% Processing Fee waiver on booking Flexipay online at sbicard.com! (Valid till 31 Aug ’14)

    1. The offer is on online booking of Flexipay through www.sbicard.com  and is open only to those SBI credit cardholders ("Cardholders") who have received the offer from SBI Cards and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate medium decided by SBICSPL.

    2. The Flexipay facility is not available to the delinquent and any other ineligible SBI credit 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 offer is applicable only on Flexipay booked online via www.sbicard.com during the offer period where the Flexipay booking amount is equal to or greater than INR 20,000 as per the grid below

    4. SBI credit cardholder will be entitled to processing fee waiver (as per the grid below) for any Flexipay (with booking amount equal to or greater than INR 20,000) booked online via www.sbicard.com during the offer period  as per the grid below. Maximum Processing Fee waiver that can provided during the offer period is INR 3000.

    Flexipay booking amount (INR)

    Processing fees waiver

    > 20,000 and less than 50,000

    50%

    >= 50,000

    100%

    5. This offer on Flexipay is valid from 20th June ‘14 to 31st Aug. ‘14 (“Term”). The SBI Credit Card holder can log on to www.sbicard.com within 30 days of the purchase / before the payment due date (whichever is earlier) and Convert the said retail transaction amount to Flexipay. Jewelry transactions cannot be converted into Flexipay in view of guidelines issued by the Reserve Bank of India from time to time.  Accordingly and in pursuant thereto, SBI Card at its sole instance may decline Flexipay facility on such transaction categories.

    6. The processing fee waived during the Offer term would be credited to the card holder’s account within 60 days after Flexipay has been booked online. In case the cardholder cancels the Flexipay booked online during the offer period (between 20th June ‘14 to 31st Aug. ’14), the credited Processing fee waiver will be rolled back within 30 days after the offer ends i.e. by 30th September 2014.

    7. No processing fee waiver will be credited to cardholders who are blocked or delinquent at any time during the offer period from 20th June 2014 to 31st August 2014 (Both days inclusive).

    8. The Flexipay facility from SBICPSL is available over different tenures of 6, 12 and 24 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 Rs. 30,000, however this tenure is not applicable for bookings done online through www.sbicard.com

    9. For the purposes of booking Flexipay, the period of 30 days from the date of the retail transaction is the defined term. If any transaction is converted to Flexipay after the Payment Due Date (“PDD”), interest charges of 3.35% 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, as applicable, will be levied.

    10. 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 Rs.2500 or more, only the unpaid balance amount can be converted to Flexipay.

    11. The Flexipay facility is applicable / available only on retail purchases 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.

    12. 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.

    13. 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% on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined herein above.

    14. Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked up to Flexipay Principal Amount + Interest + Processing Fee. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the SBI credit cardholder.

    15. A SBI credit card holder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.

    16. Flexipay monthly installment is calculated as (Flexipay Principal Amount + Flexipay interest charge)/ Tenure. Example: Principle amount is Rs.10,000, Interest rate is 14.5% p.a. and Tenure is 24 months. The total interest charge will be (10,000 * 14.5% * 24/12) = Rs.2,900. The EMI is calculated as (10,000 + 2,900)/24.

    17. 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. Illustrative example of amortization scheduled given in point No. 35.

    18. 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.

    19. The MAD will be 5% of the SBI Cardholder 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).

    20. Non Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% on the unpaid Flexipay monthly installments.

    21. Under Payment of MAD will attract normal late payment fees and a standard credit charge of 3.35% on the unpaid Flexipay monthly installments

    22. 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 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. 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 account balance post transfer of loan outstanding if any exceeds the existing Credit Card limit as mentioned in the cardholders MITC.

    23. 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 the event of cancellation, the processing fee waiver credited  under the offer would also be rolled back.

    24. The SBI Cardholder can make request for cancellation of Flexipay by calling the SBI Card helpline.  On receipt of this request, the outstanding Flexipay principal amount is moved back to SBI Cardholders retail balance and a cancellation fee of 3% post 45 days shall be levied on the same. The outstanding principle amount is calculated basis reducing interest rate.

    25. At the time of cancellation of Flexipay, if the SBI 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.

    26. Booking a Flexipay online on www.sbicard.com will be deemed as acceptance of the terms and conditions of this program as set forth on www.sbicard.com and/or any other medium chosen by SBICPSL.

    27. Flexipay booking requests sent by mail or electronic mail will be considered valid only if received by SBICPSL within 30 days of transaction date.

    28. No request for Flexipay will be entertained within 90 days of SBI Cardholder’s flipping/change of card request.

    29. Transfer from one Flexipay to another will not be entertained.

    30. 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.

    31. 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.

    32. Government service tax shall be levied on all fees, interest charges, etc as applicable.

    33. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com

    34. 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.

    35. Illustrative example of amortization schedule:

    Amortization schedule

    Sr. No.

    Billing date

    Installment

    Interest

    Principal

    Balance

    GST#

    1

    18-Nov-13

    954.17

    214.72

    739.44

    9260.56

    26.54

    2

    18-Dec-13

    954.17

    198.85

    755.32

    8505.23

    24.58

    3

    18-Jan-14

    954.17

    182.63

    771.54

    7733.69

    22.57

    4

    18-Feb-14

    954.17

    166.06

    788.11

    6945.59

    20.53

    5

    18-Mar-14

    954.17

    149.14

    805.03

    6140.56

    18.43

    6

    18-Apr-14

    954.17

    131.85

    822.31

    5318.24

    16.30

    7

    18-May-14

    954.17

    114.19

    839.97

    4478.27

    14.11

    8

    18-Jun-14

    954.17

    96.16

    858.01

    3620.26

    11.89

    9

    18-Jul-14

    954.17

    77.74

    876.43

    2743.83

    9.61

    10

    18-Aug-14

    954.17

    58.92

    895.25

    1848.58

    7.28

    11

    18-Sep-14

    954.17

    39.69

    914.47

    934.11

    4.91

    12

    18-Oct-14

    954.17

    20.06

    934.11

    0.00

    2.48

     

     

     

     

     

     

     

    Principal

    10000

     

     

     

     

     

    Installment

    954.17

     

     

     

     

     

    R.O.I

    14.50%

     

     

     

     

     

    Tenure

    12

     

     

     

     

     

     

    # Government Service Tax calculated @ 12.36% of interest component.

  • Rs. 100 Cashback on ATM Cash Withdrawal Offer

    • The SBI Card Offer (“Offer”) ‘Rs. 100 Cash Back on ATM Cash withdrawal within 1st 30 days from receipt of SBI Credit Card’ from SBI Cards & Payment Services Private Ltd. (“SBICPSL”) is open to select residents of India, holding a valid SBI Credit Card (“Card”)

    • By availing this Offer benefits by conducting a financial transaction of withdrawing cash through an ATM machine, the Cardholder provides consent to all these terms and conditions.

    • Under this Offer, a Cardholder gets Rs. 100 Cash Back on his/her first ATM Cash Withdrawal (India or overseas) within 30 days from receipt of SBI Credit Card.

    • Offer is applicable only on ATM Cash Withdrawal using SBI Credit Card. The Offer does not include any retail spends, including Fuel, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the Offer, each cardholder can avail a maximum of Rs. 100 Cash Back. Total Cash Back per account will not exceed Rs. 100. Regular cash advance fee of Rs 2.5% or Rs 300 whichever is higher & interest rates of up to 3.35% per month apply and is subject to change as per discretion of SBICPSL.

    • Cash back will be credited to the SBI Card customer’s account within 60 days of ATM cash withdrawal.

    • Any query regarding the program will be entertained within 90 days of ATM cash withdrawal Or 4 months of account set up date (“Query Period”) and SBICPSL will not entertain any correspondence or communication regarding this Offer post the Query Period.

    • This Offer is not applicable on Add on Card, Card Renewals & SBI Corporate Card.

    • 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.

    • 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”.

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time with or without prior notice.

    • 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.

  • Spend and GET EBAY.IN Voucher

    1. This is a promotional e-bay voucher offer” (”Offer”) jointly made available by SBI Cards and Payments Services Private Limited (“ SBICPSL”)   under a commercial arrangement with e-bay. This Offer is further made available only to such SBI Cardholders to whom this Offer is communicated through an appropriate medium chosen at the sole option and discretion of SBICPSL.

    2. This offer shall be valid between the period with both days included (“Term”) in accordance with the instructions/specifications provided in the communication sent by SBICPSL unless extended by the parties in mutual consent in writing.

    3. This Offer is made available to the Customer/s selected at the discretion of  SBICPSL.  Card.

    4. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided  in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.

    5. Qualifying transactions for spend calculation does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL .

    6. Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    7. Eligible cardholders will be entitled to an e-voucher (“E-Voucher”) subject to the terms and conditions as contained herein. These terms are jointly set forth by e-bay and SBICPSL and the value of each of the e-bay E-voucher given will be Rs.300/- (Three Hundred only).

    8. SBI Cardholders who have qualified to receive the E-Vouchers under the Promotion will each receive a unique number (“Unique Redemption Number”) for redemption of e-bay E-Vouchers on www.ebay .in.  The E-Vouchers and respective Unique Redemption Numbers  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 30th April 2014.

    9. E-Vouchers can only be redeemed online at www.ebay.in (“ebay India Website”), using the Unique Redemption Number allocated and sent to the qualifying SBI Cardholders. All SBI Cardholders must therefore visit the ebay Website with their Unique Redemption Number in order to redeem their E-Vouchers and use their SBI Card while making the payment.

    10. SBI Cardholders should contact ebay directly in case of any difficulty or queries in relation to the use of the ebay Website and/or redemption of the E-Vouchers. 

    11. E-Vouchers can only be redeemed/used within the validity period of 2 months from the day the voucher is issued and notified to the SBI Cardholder via the email/SMS containing the Unique Redemption Number.

    12. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by ebay (as modified by ebay from time to time) and it is the sole responsibility of the SBI Cardholder to check and comply with these terms and conditions.

    13. SBI Cardholders should check with ebay directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.

    14. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL  or by the Vendor.

    15. The products and/or services offered under this offer are at the sole responsibility of the participating Merchant 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 .

    16. 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. SBICPSL shall under no circumstances be responsible towards the same.

    17. 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.E-Vouchers will not be re-issued in case of loss or deletions (accidental or otherwise) of e-mail /SMS, and will not be extended, revalidated or reissued if not redeemed  within the validity period.

    18. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    19. SBICPSL  will not be responsible for any non-receipt (for any reason) by Cardholders of their E-Voucher entitlements, including without limitation, due to failure of transmission of the Unique Redemption Voucher via email, SMS or other registered contact details of the Cardholder.

    20. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www.ebay.in against the e-voucher.

    21. Whilst information about the Promotion is correct at the time of publication, SBICPSL may discontinue, amend, vary and/or withdraw the Promotion (or any aspect of it, including terms and conditions thereof) at any time with/without prior notice.

    22. For the avoidance of doubt, SBICPSL will not be obliged to publish or reveal under any circumstances the list of qualifying Cardholders, any information relating to redemption of the Vouchers under the Promotion, or the selection process under the Promotion except as may be mandated by law.

    23. Every SBI Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this ebay Voucher Offer General Terms and Conditions of Promotion.

    24. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    25. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    26. In case of any dispute, decision of SBICPSL  shall be final and binding.

    27. 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.

    28. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • Spend and GET Jabong Voucher

    1. This Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to SELECT cardholders holding a valid and current SBI Credit Card ('Card') with no outstanding of more than 30 days ('Cardholder').

    2. This offer shall be valid between the period with both days included (“Term”) in accordance with the instructions/specifications provided in the communication sent by SBICPSL unless extended by the parties in mutual consent in writing.

    3. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.

    4. To be eligible for the offer, the cardholder needs to spend within the offer period (’Term’) in accordance with the instructions/specifications provided in the communication sent by SBICPSL. All the cumulative purchases within the offer period may also be clubbed together to avail this offer.

    5. Qualifying transactions does not include spends on Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.

    6. 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-voucher code will not be sent.

    7. Maximum discount on e-voucher to shop at www.jabong.com (hereafter “vendor”) will be in accordance with the instructions/specifications provided in the communication sent by SBICPSL.

    8. If a cardholder has more than one SBI Credit Card, he/she must confirm the specific SBI Credit Card for availing the said offer by calling up the Customer Care Centre. Spends on multiple cards cannot be clubbed by the Cardholder for the said offer.

    9. e-voucher code is a 16 digit alpha numeric code that will be communicated to eligible cardholders through SMS and/or email to registered mobile number and/or email address updated with SBICPSL within 60 days of offer end date.

    10. 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.

    11. Select products at www.jabong.com and enter e-voucher code at cart page to avail the offer.

    12. E-voucher valid on all products including sale items at vendor.

    13. E-Voucher not valid on any other mode of payment available at vendor. Any additional payment must be charged to SBI credit card to avail the offer.

    14. Offers not valid for payment through Cash on delivery (COD)/Net banking/Debit Card /any other bank credit card, or any other available mode of payment available at vendor.

    15. E-Voucher code is valid for one time use on Vendor site only. E-Voucher Code not valid for multiple usages.

    16. E-Voucher can only be redeemed/used within the validity period of 2 months from the day the voucher is issued and notified to the SBI Cardholder via the email/SMS containing the e-voucher code.

    17. E-Voucher discounts will be applied to the total merchandise value including VAT and other applicable taxes.

    18. E-voucher cannot be clubbed with any other promotion/offer running on vendor unless otherwise specified.

    19. All orders are subject to stock availability at the time of placing of order at vendor.

    20. By placing an order, the customer accepts all terms and conditions specified on vendor’s web site.

    21. In case of any query pertaining to use of E-voucher, please email to customer care at care@jabong.com or call @ 0124-6128000.

    22. 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.

    23. 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 SBICPSLshall not entertain any correspondence in this regard.

    24. 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.

    25. 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. SBICPSL shall under no circumstances be responsible towards the same.

    26. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL  or by the Vendor.

    27. 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.

    28. Any person availing this offer shall be deemed to have accepted these Terms and Conditions

    29. Any query regarding the Offer or any matter related thereof will be entertained only till 15th April 2014. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.

    30. Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.

    31. 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.

    32. 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 at New Delhi and the language of arbitration shall be English.  Existence of a dispute, if any, shall not constitute a claim against SBICPSL.This offer will be governed by and construed in accordance with Indian law

    33. In case of any dispute, decision of SBICPSL  shall be final and binding.

    34. 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.

    35. 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'.

    36. SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion with/without prior notice.

  • 2% Cash Back

    Terms & Conditions:
    • The SBI Card Offer("Offer") from SBI Cards & Payment Services Private Ltd. ("SBICPSL") is open to select residents of India holding a valid and current SBI Credit Card("Card") i.e. with no outstanding more than 30 days("Cardholder").

    • The Offer is valid on all qualifying transactions made during the dates specified as per the communication by SBICPSL ("Term").

    • Under this offer, a Cardholder can avail 2% Cash Back, subject to a maximum Cash Back amount of Rs.250, on retail spends only.

    • Offer is applicable only on total retail spends undertaken on SBI Cards. The offer does not include Fuel, ATM Cash Withdrawal, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the program, each cardholder can avail a maximum of Rs.250 as Cash Back. Total Cash Back amount per account will not exceed Rs.250.

    • Cash Back is given only to the Cardholder who are eligible as a part of Offer on their SBI Card. Decision of SBICPSL about eligibility of cardholders is final and binding

    • Cash Back will be credited to the SBI Card customer's account within 30 days post completion of the offer.

    • SBICPSL will not entertain any correspondence or communication regarding the validity and acceptability of the Offer.

    • This Offer 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 anyway to participate in the Offer. Any such participation is voluntary and the same is being made purely on a "best effort basis".

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

  • 5X Rewards

    Terms & Conditions:

    • The SBI Card Offer(“Offer”) from SBI Cards & Payment Services Private Ltd. (“SBICPSL”) is open to select residents of India holding a valid and current SBI Credit Card(“Card”) i.e. with no outstanding more than 30 days(“Cardholder”).

    • The Offer is valid on all qualifying transactions made during the dates specified as per the communication by SBICPSL (“Term”).

    • Under the offer, a Cardholder gets 5 times reward points, subject to a maximum of 5000 Reward points, on retail spends only. For SBI Gold & More card, reward points can be earned on all purchases other than departmental stores and grocery purchases.

    • Offer is applicable only on total retail spends undertaken on SBI Cards.

    • The offer does not include any purchases at petrol pumps/ service stations, ATM Cash Withdrawal, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the program, each accountholder can avail a maximum of 5000 reward points. Total Reward points per account will not exceed 5000.

    • Reward points will be given only to the Cardholder who are eligible as a part of Offer on their SBI Card. Decision of SBICPSL about eligibility of cardholders is final and binding.

    • Reward points will be credited to the SBI Card customer’s account within 30 days post completion of the offer.

    • The above offer complies to all the existing terms & conditions of the reward points program.

    • SBICPSL will not entertain any correspondence or communication regarding the validity and acceptability of the Offer.

    • This Offer 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”.

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

  • 5% Cash Back

    Terms & Conditions:

    • The SBI Card Offer(“Offer”) from SBI Cards & Payment Services Private Ltd. (“SBICPSL”) is open to select residents of India holding a valid and current SBI Credit Card(“Card”) i.e. with no outstanding more than 30 days(“Cardholder”).

    • The Offer is valid on all qualifying transactions made during the dates specified as per the communication by SBICPSL (“Term”).

    • Under this offer, a Cardholder can avail 5% Cash Back, subject to a maximum Cash Back amount of Rs.500, on retail spends only.

    • Offer is applicable only on total retail spends undertaken on SBI Cards. The offer does not include Fuel, ATM Cash Withdrawal, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the program, each cardholder can avail a maximum of Rs. 500 as Cash Back. Total Cash Back amount per account will not exceed Rs. 500.

    • Cash Back is given only to the Cardholders who are eligible as a part of the Offer on their SBI Card. Decision of SBICPSL about eligibility of cardholders is final and binding

    • Cash Back will be credited to the SBI Card customer’s account within 30 days post completion of the offer.

    • SBICPSL will not entertain any correspondence or communication regarding the validity and acceptability of the Offer.

    • This Offer 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”.

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice. 

  • Rs. 100 Cash Back on Rs. 750 spend on SBI Defence Cards

    Terms & Conditions:

    • The SBI Card Offer (“Offer”) from SBI Cards & Payment Services Private 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

    • The Offer is valid on all qualifying transactions made during the dates specified as per the communication by SBICPSL (“Term”).

    • Under this Offer, a Cardholder can avail a Rs. 100 Cash Back if he/she spends a total of Rs. 750 or more using their SBI Credit Card during the Term.

    • Offer is applicable only on Defence Canteen spends undertaken on SBI Card credit cards. The offer does not include any other retail spends, Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the program, each cardholder can avail a maximum of Rs. 100 Cash Back. Total Cash Back per account will not exceed Rs. 100.

    • Rs. 100 Cash Back is given only to the Cardholders who are eligible as a part of Offer on their SBI Card. Decision of SBICPSL about eligibility of cardholders is final and binding.

    • Cash back will be credited to the SBI Card customer’s account within 30 days of offer completion.

    • Any query regarding the program will be entertained within 30 days of offer completion. SBICPSL will not entertain any correspondence or communication regarding this offer post said day.

    • This Offer 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.

    • Cardholders are not bound in anyway to participate in the Offer. Any such participation is voluntary and the same is being made purely on a “best effort basis”.

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

    • 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.

  • Rs. 150 Cash Back on Rs. 1500 Fuel spends on SBI Platinum Cards

    Terms & Conditions:

    • The SBI Card Offer (“Offer”) from SBI Cards & Payment Services Private 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

    • The Offer is valid on all qualifying transactions made during the dates specified as per the communication by SBICPSL (“Term”).

    • Under this Offer, a Cardholder can avail a Rs. 150 Cash Back if he/she spends a total of Rs. 1500 or more using their SBI Credit Card during the Term.

    • Offer is applicable only on Fuel spends undertaken on SBI Platinum Card. The offer does not include any other retail spends, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the program, each cardholder can avail a maximum of Rs. 150 Cash Back. Total Cash Back per account will not exceed Rs. 150.

    • Rs. 150 Cash Back is given only to the Cardholders who are eligible as a part of Offer on their SBI Card. Decision of SBICPSL about eligibility of cardholders is final and binding.

    • Cash back will be credited to the SBI Card customer’s account within 30 days of offer completion.

    • Any query regarding the program will be entertained within 30 days of offer completion. SBICPSL will not entertain any correspondence or communication regarding this offer post said day.

    • This Offer 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.

    • 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”.

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

    • 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.

  • Rs. 100 Cash Back on Rs. 1000 Fuel spends on Gold & More/ SimplySAVE Cards

    Terms & Conditions:

    • The SBI Card Offer (“Offer”) from SBI Cards & Payment Services Private 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

    • The Offer is valid on all qualifying transactions made during the dates specified as per the communication by SBICPSL (“Term”).

    • Under this Offer, a Cardholder can avail Rs. 100 Cash Back if he/she spends a total of Rs. 1000 or more using their SBI Credit Card during the Term.

    • Offer is applicable only on Fuel spends undertaken on Gold & More Card / SimplySAVE Card . The offer does not include any other retail spends, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the program, each cardholder can avail a maximum of Rs. 100 Cash Back. Total Cash Back per account will not exceed Rs. 100.

    • Rs. 100 Cash Back is given only to the Cardholders who are eligible as a part of Offer on their SBI Card. Decision of SBICPSL about eligibility of cardholders is final and binding.

    • Cash back will be credited to the SBI Card customer’s account within 30 days of offer completion.

    • Any query regarding the program will be entertained within 30 days of offer completion. SBICPSL will not entertain any correspondence or communication regarding this offer post said day.

    • This Offer 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.

    • 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”.

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

    • 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.

  • Rs. 100 Cash Back on Rs. 2000 spends on SBI Gold Classic Cards

    Terms & Conditions:

    • The SBI Card Offer (“Offer”) from SBI Cards & Payment Services Private 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

    • The Offer is valid on all qualifying transactions made during the dates specified as per the communication by SBICPSL (“Term”).

    • Under this Offer, a Cardholder can avail a Rs. 100 Cash Back if he/she spends a total of Rs. 2000 or more using their SBI Credit Card during the Term.

    • Offer is applicable only on total retail spends undertaken on SBI Card credit cards. The offer does not include any other retail spends, Fuel, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft (EMD) products for SBI Card.

    • Under the program, each cardholder can avail a maximum of Rs. 100 Cash Back. Total Cash Back per account will not exceed Rs. 100.

    • Rs. 100 Cash Back is given only to the Cardholders who are eligible as a part of Offer on their SBI Card. Decision of SBICPSL about eligibility of cardholders is final and binding.

    • Cash back will be credited to the SBI Card customer’s account within 30 days of offer completion.

    • Any query regarding the program will be entertained within 30 days of offer completion. SBICPSL will not entertain any correspondence or communication regarding this offer post said day.

    • This Offer 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.

    • 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”.

    • SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time without prior notice.

    • 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.





footer logo About Us | Disclaimer | Fair Practice Code | Credit Bureau FAQs | SBI Group | Privacy Policy | Order of Payment Settlement | Usage Agreement

Registered Address: SBI Cards & Payment Services Private Limited
Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034