This Marketing Program ("Offer") is offered by SBI Card & Payment Services Ltd. ("SBICPSL") under an arrangement with Visa.

• Cardholders are eligible to avail a discount of SGD 30 on a minimum single transaction spend of SGD 200 at participating Lotte Duty Free stores at Changi Airport, Singapore.
• This offer is valid only on eligible Visa SBI Credit Cards issued in India.
• The minimum spend threshold of SGD 200 must be met in a single bill/invoice to qualify for the offer.
• This promotion is valid only at participating Lotte Duty Free outlets located at Changi Airport – Terminals – 1, 2, 3 & 4.
• The offer is applicable only during the promotion period
• To avail the offer, the eligible Visa SBI Credit Card must be presented and used for payment at the time of billing
• The discount under this promotion is applicable only on eligible purchases made in-store at participating outlets
• This offer cannot be combined or clubbed with any other promotion, discount, offer, voucher, privilege, or membership benefit, unless otherwise specified
• The offer is not applicable on selected tobacco products and price-controlled items
• Any products excluded from the promotion by Lotte Duty Free, including but not limited to restricted or regulated items, shall not be eligible for the discount.
• The offer is non-transferable, non-refundable, and cannot be exchanged for cash, credit, or any other benefit.
• If any transaction is cancelled, reversed, or refunded, the benefit availed under this offer may be reversed or withdrawn, as applicable.
• Lotte Duty Free and/or SBICPSL reserve the right to verify the eligibility of the cardholder and transaction before extending the benefit.
• Lotte Duty Free and/or SBICPSL reserve the right to modify, suspend, or withdraw the offer, or amend these terms and conditions, at any time without prior notice.
• Any dispute arising out of or in connection with this offer shall be subject to the final decision of Lotte Duty Free and/or SBICPSL, which shall be final and binding.

OTHER TERMS AND CONDITIONS OF SBI Card:

• The above Offer is by way of a special offer for SBI Credit Cardholders only excluding SBI Corporate Credit Cardholders and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement between SBICPSL and their Cardholders. The terms of the above Program shall be in addition to and not in derogation of the terms contained in the card member agreement, Merchant EMI Terms and Conditions and Rewards Terms & Conditions.
• Any query regarding the program will be entertained only till 30 days of transaction date. Post such date, SBICPSL & Partner will not entertain any correspondence or communication in any manner whatsoever regarding this Program from any persons.
• SBICPSL does not endorse any of the products or brands being offered under the Program and will not accept any direct liability pertaining to the quality, merchantability, fitness, delivery or after sales service of such products which shall be at the sole liability of the Partner.
• All the existing offers, discounts etc. on select/all products or services that are being offered by Partner can be availed by the Cardholders as part of this offer as mentioned in this communication.
• Pictures of products shown in communication sent to the customer either through mailers, push notifications, social media channels, statements or advertised on the website/mobile app, are representative only and may not bear a resemblance to the actual products. None of the parties shall under any circumstances be responsible towards the same.
• Products/services offered under this program are subject to availability from the respective participating merchants/sellers of Partner and accordingly SBICPSL in no circumstances shall be liable for non-availability of any of the products/services.
• SBICPSL shall adhere, cater and ensure on best effort basis to perform the agreed terms and conditions of the program.
• SBICPSL will not be liable for any technical or any offer configuration related issue at Partner platform on account of which cardholder is unable to avail the offer. All such concerns need to be taken up directly with the Partner by cardholder for resolution.
• Under no circumstances will the offer/cashback being offered under this Program be settled with cash in lieu by SBICPSL or by Partner.
• Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for the Offer.
• SBICPSL will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by Partner/Partner’s sellers on products/services made available by it and the same shall be at the sole risk and consequences of Partner/Partner’s sellers and without reference to SBICPSL.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Offer was offered.
• This Offer shall be subject to all applicable laws, rules and regulations which are in existence, and which may be promulgated anytime by any statutory authority.
• SBICPSL reserves the right to disqualify the Cardholder(s) from the benefits of the Offer, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the said Offer or otherwise by use of the Card subject to intimation to Partner of such disqualification.
• Any person availing this Offer shall be deemed to have accepted these terms and conditions.
• SBICPSL and Partner reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or some of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.
• Cardholders are not bound in any way to participate in this Offer. Any participation is voluntary, and the Offer is being made purely on a best effort basis.
• Nothing herein amounts to a commitment by SBICPSL to conduct further, similar, or other Offers.
• Any disputes arising out of the Offer between SBICPSL and Cardholder shall be subject to arbitration by a sole arbitrator to be appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The Seat & Venue of arbitration shall be at New Delhi, India and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL or Partner or any of its affiliates.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.