Offer Terms and Conditions

• Lower Rates of interest | 3, 6 and 9 months: 12% p.a. | 12 months: 13% p.a. | 24 and 36 months: 14.25% p.a.
• 100% Processing Fee waiver for bookings >= Rs. 25,000 & EMI tenure >= 9 months
• Offer valid b/w 24 Jan’22 – 24 Mar’22 (Both days inclusive)
• 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 Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• 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.
• 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 sbicard.com.
• This offer is valid only for Flexipay bookings between 24 Jan’22 to 24 Mar’22, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate (corresponding to the tenure of the Flexipay EMI) of:
  • 3, 6 and 9 months: 12% p.a.
  • 12 months: 13% p.a.
  • 24 and 36 months: 14.25% p.a.
• The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• 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. 25,000/- and EMI tenure greater than or equal to 9 months, during the offer “Term”.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into instalments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit Cardholder can call up SBICPSL helpline 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.
• 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 – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 24 Jan’22 to 24 Mar’22, both days inclusive (“Term”). Any bookings made after 24 Mar’22 will attract an interest rate of 20% p.a., and a processing fee of 2% subject to a minimum of Rs. 249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• 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/-.
• 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.38.
• 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 3.5% 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.
• 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.
• In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add-on SBI Credit Cardholder. No request from Add-on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• 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.
• 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 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• Upon Flexipay approval, the SBI Credit Cardholder credit limit shall be blocked up to Flexipay Principal Amount + Processing Fee. The Credit limit gets adjusted as and when the Flexipay instalment payments are made by the SBI Credit Cardholder.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his/her SBI Credit Card account.
• Flexipay monthly instalment schedule will begin from the SBICPSL Credit Cardholder’s next billing statement and continue over the Flexipay tenure. The Flexipay monthly instalment(s) shall be included in the Minimum Amount Due (MAD) of the Statement of account in the duration of the Flexipay tenure.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20 Nov’20.
• The MAD will be 5% of the SBICPSL Credit Cardholder’s existing revolving balances (Retail/Cash/Balance Transfer) and Flexipay monthly instalment due (or all Flexipay monthly instalments due in case of multiple Flexipays booked by the Cardholder).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly instalments.
• Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly instalments
• 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 the 92nd 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 outstanding amount, this Flexipay balance will attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event the outstanding account balance post transfer of loan outstanding, exceeds the existing credit card limit as mentioned in the cardholders’ MITC.
• In the event that 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.
• 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.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s 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.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• 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).
• No request for Flexipay EMI booking will be entertained within 90 days of SBICPSL Cardholder’s flipping / change of card request.
• Transfer from one Flexipay EMI plan to another will not be entertained.
• 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.
• 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.
• "Applicable Taxes" means:
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• 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 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:
• Amortization Schedule:

• Lower Rate of interests | 3, 6 and 9 months: 12% p.a. | 12 months: 13 % p.a. | 24 and 36 months: 14.25% p.a.
• 100% Processing Fee waiver for bookings >= Rs. 25,000 & EMI tenure >= 9 months
• Offer valid b/w 18th Oct’21 – 17th Dec 2021 (Both days inclusive)
• 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 Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• 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.
• 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 sbicard.com.
• This offer is valid only for Flexipay bookings between 1st Sep 2021 to 30th Sep 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate (corresponding to the tenure of the Flexipay EMI) of:
  • 3, 6 and 9 months: 12% p.a.
  • 12 months: 13% p.a.
  • 24 and 36 months: 14.25% p.a.
• The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• 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. 25,000/- and EMI tenure greater than or equal to 9 months, during the offer “Term”.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit cardholder can call up SBICPSL helpline 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.
• 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 – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 18th Oct 2021 to 17th Dec 2021, both days inclusive (“Term”). Any bookings made after 17th Dec 2021 will attract an interest rate of 20% p.a., and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• 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/-.
• 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.38.
• 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 3.5% 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.
• 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.
• In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on SBI Credit Cardholder. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• 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.
• 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 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• 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.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL Credit cardholder’s 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.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL Credit cardholder’s 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).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
• Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
• 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 the 92nd 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 Outstanding Amount, this Flexipay balance will attract all the charges, including finance charges at the credit card rate of interest, over-limit charges in the event the outstanding account balance post transfer of loan outstanding, exceeds the existing Credit Card limit as mentioned in the cardholders’ MITC.
• In the event that 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.
• 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.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s 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.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• 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).
• No request for Flexipay will be entertained within 90 days of SBICPSL cardholder’s flipping / change of card request.
• Transfer from one Flexipay to another will not be entertained.
• 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.
• 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.
• "Applicable Taxes" means:
• For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• 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 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule:

Please Click Here for Terms and Conditions

e-Gift Voucher Sale (23rd – 27th Sep 2021)

• Lower Rate of interests | 3, 6 and 9 months: 12% p.a. | 12 months: 13.25% p.a. | 24 and 36 months: 14.25% p.a.
• 100% Processing Fee waiver for bookings >= Rs. 25,000
• Offer valid b/w 14th July – 2nd Aug 2021 (Both days inclusive)
• 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.
• 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.
• 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 sbicard.com.
• This offer is valid only for Flexipay bookings between 14th July to 2nd Aug 2021, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate (corresponding to the tenure of the Flexipay EMI) of:
  • 3, 6 and 9 months: 12% p.a.
  • 12 months: 13.25% p.a.
  • 24 and 36 months: 14.25% p.a.
• The minimum booking amount is Rs. 2500/-. Additionally, a processing fee will be charged on the Flexipay amount at the interest rate of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/-.
• 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. 25,000/- during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly, and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount is Rs. 2500. The SBI Credit cardholder can call up SBICPSL helpline 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.
• 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 – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 14th July 2021 to 2nd Aug 2021, both days inclusive (“Term”). Any bookings made after 2nd Aug 2021 will attract an interest rate of 22% p.a., and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• 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/-.
• 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.38.
• 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 3.5% 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.
• 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.
• In case the SBI Credit cardholder has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholder can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount is Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- 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 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.
• 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 3.5% p.m. on his revolving balance till the time the transfer to Flexipay actually takes place within the Term defined hereinabove.
• 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.
• An SBI credit cardholder can take multiple Flexipays subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder’s 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.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20.
• The MAD will be 5% of the SBICPSL holder’s 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).
• Non-Payment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments.
• Underpayment of MAD will attract normal late payment fees and a standard credit charge of 3.5% p.m. on the unpaid Flexipay monthly installments
• 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 the 92nd 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.
• In the event that 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.
• 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.
• At the time of cancellation of Flexipay, if the SBICPSL cardholder’s 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.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• 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).
• No request for Flexipay will be entertained within 90 days of SBICPSL cardholder’s flipping / change of card request.
• Transfer from one Flexipay to another will not be entertained.
• 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.
• 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.
• "Applicable Taxes" means:
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • For the cardholders having State of residence, in the records of SBI Card on the statement date, as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• 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 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• Illustrative example of amortization schedule:

Amortization Schedule:

Offer 1:

• Interest Rate: 13% p.a. (Applicable for all Offered Tenures)
• 100% Processing Fee Waiver for Flexipay booking amount >= Rs.25,000
• Offer valid from 6th Nov’20 to 5th Dec’20
• Eligible customers would receive the offer communication

Offer 2:

• Interest Rate: 22% p.a. (Applicable for 3, 6, 9 & 12 month Tenures)
• Interest Rate: 21% p.a. (Applicable for 24 & 36 month Tenures)
• 100% Processing Fee Waiver for Flexipay booking amount >= Rs.25,000
• Offer valid from 6th Nov’20 to 5th Dec’20
• Eligible customers would receive the offer communication

• This offer is on Flexipay facility and is open only to those TATA credit cardholders ("Cardholders") who have received the respective offer communication from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• 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.
• 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 sbicard.com.
• This offer on Flexipay is valid only for bookings between 6th Nov to 5th Dec 2020, both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate as per the applicable offer with a minimum booking amount of Rs.2500 and above. Additionally, a processing fee will be charged on the Flexipay booking amount at the interest rate of 2% subject to a minimum of Rs.249 and a maximum of Rs.1500 for Flexipay booking amount less than Rs.25,000.
• 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. 25,000 during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The TATA 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.
• 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 – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 06th Nov 2020 to 05th Dec 2020 both days inclusive (“Term”) Any bookings made after offer expiry will attract an interest rate of 22% p.a. and a processing fee of 2% subject to a minimum of Rs.249/- and a maximum of Rs.1500/- will be charged without any additional feature mentioned in clause nos. 5 and 6 above.
• 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 TATA 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/-.
• 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.38.
• 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.
• The accrued reward points for transactions converted to Flexipay EMI would be forfeited w.e.f. 20th Nov’20. In case of cancellation of the Flexipay EMI booking, the forfeited Reward points would be credited back to the cardholder account. In event of foreclosure for Flexipay EMI booking, Reward Points will not be credited back to the cardholder account
• 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.
• In case the TATAnCredit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the TATA Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on TATA Credit Card. No request from Add on SBI Credit Cardholder will be entertained for transfer of retail purchases to Flexipay.
• 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.
• It is stipulated, if the TATA 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.
• Upon Flexipay approval, the TATA 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.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his TATA Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder 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.
• The MAD will be 5% of the SBICPSL holder 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).
• 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.
• 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
• 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.
• In the event, a cardholder puts a cancellation request, within 45 days of Flexipay facility getting booked then all fees charged will be reversed
• 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.
• 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.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• 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).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• 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.
• 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.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• 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 and amendment thereof. The place of arbitration shall be at New Delhi and language of arbitration shall be English. The award passed by the arbitrator shall be final and binding on both the parties. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.

Amortization Schedule

Flexipay Festive Offer- Book at low interest rate of 13% and enjoy 100% Processing fee waiver (Valid b/w 08-Nov-2019 to 12-Dec-2019).

Lower Rate of interest at 13% p.a

100% Processing fee waiver for bookings >=50k (Valid b/w 08th Nov – 12th Dec 2019)

• 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.
• 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.
• 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 sbicard.com.
• This offer on Flexipay is valid only for bookings between 08th Nov 2019 and 12th Dec 2019 -both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. 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/-.
• 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/- (08th Nov – 12th Dec 2019) during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. 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.
• 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 – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 08th Nov 2019 to 12th Dec 2019 (“Term”). Any bookings made after 12th Dec 2019 will attract an interest rate of 22% 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.
• 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/-.
• 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.38.
• 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.
• 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.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- 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 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.
• 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.
• 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.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder 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.
• The MAD will be 5% of the SBICPSL holder 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).
• 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.
• 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
• 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.
• 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 12th Feb 2019.
• 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.
• 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.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• 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).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• 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.
• 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.
• "Applicable Taxes" means:
  • -for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • -for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• 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.
• 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.
• Illustrative example of amortization schedule:

  Amortization Schedule

  Sr. No.	Billing date	Installment	Interest	Principal	Balance	Taxes (#)
  1	01-Oct-19	893.2	108.3	784.8	9215.2	19.5
  2	01-Nov-19	893.2	99.8	793.3	8421.8	18.0
  3	01-Dec-19	893.2	91.2	801.9	7619.9	16.4
  4	01-Jan-20	893.2	82.6	810.6	6809.3	14.9
  5	01-Feb-20	893.2	73.8	819.4	5989.9	13.3
  6	01-Mar-20	893.2	64.9	828.3	5161.6	11.7
  7	01-Apr-20	893.2	55.9	837.3	4324.3	10.1
  8	01-May-20	893.2	46.9	846.3	3478.0	8.4
  9	01-Jun-20	893.2	37.7	855.5	2622.5	6.8
  10	01-Jul-20	893.2	28.4	864.8	1757.8	5.1
  11	01-Aug-20	893.2	19.0	874.1	883.6	3.4
  12	01-Sep-20	893.2	9.6	883.6	0.0	1.7

  Principal	10000
  Installment	893.2
  R.O.I	13.00%
  Tenure	12

  "Applicable Taxes" means:

  • for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
  • This rate of interest is used to calculate the monthly repayment amount

Lower Rate of interest at 13% p.a

100% Processing fee waiver for bookings >=50k (Valid b/w 15^th Oct – 28^th Oct 2019)

• This offer is on Flexipay facility and is open only to those Tata cardholders ("Cardholders") who have received the offer from SBICPSLs and Payment Services Pvt. Ltd ("SBICPSL") through an appropriate communication medium decided by SBICSPL.
• 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.
• 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 sbicard.com. 
• This offer on Flexipay is valid only for bookings between 15^th Oct 2019 and 28^th Oct 2019 -both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. 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/-.
• 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/- (15^th Oct – 28^th Oct 2019) during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The Tata 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.
• 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 – tatacard.com during the offer Term.
• This offer on Flexipay is valid from 15^th Oct 2019 to 28th Oct 2019 (“Term”). Any bookings made after 28th Oct 2019 will attract an interest rate of 22% 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.
• 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 Tata 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/-.
• 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.38.
• 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.
• 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.
• In case the Tata cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the Tata Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on Tata Card. No request from Add on Tata Cardholder will be entertained for transfer of retail purchases to Flexipay.
• 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.
• It is stipulated, if the Tata 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.
• Upon Flexipay approval, the Tata 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 Tata cardholder.
• A Tata cardholder can take multiple Flexipay subject to the available credit limit on his Tata Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder 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.
• The MAD will be 5% of the SBICPSL holder 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).
• 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.
• 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
• 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.
• 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 28^th Dec 2019.
• 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.
• 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.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on tatacard.com and/or any other medium chosen by SBICPSL.
• 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).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• 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.
• Tata 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.
• "Applicable Taxes" means:
  -for the cardholders having State of residence in the records of Tata Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  -for the cardholders having State of residence in the records of Tata Card on the statement date as other than "Haryana" - Integrated Tax @ 18% 
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.tatacard.com
• 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.
• 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.
• Illustrative example of amortization schedule:    

Amortization Schedule

"Applicable Taxes" means:

for the cardholders having State of residence in the records of Tata Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%

for the cardholders having State of residence in the records of Tata Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

* This rate of interest is used to calculate the monthly repayment amount

Lower Rate of interest at 13% p.a

100% Processing fee waiver for bookings >=25k (Valid b/w 29th Oct – 7th Nov 2019)

• 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.
• 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.
• 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 sbicard.com.
• This offer on Flexipay is valid only for bookings between 29th Oct 2019 and 7th Nov 2019 -both days inclusive (“Term”).
• Flexipay bookings made under program period will attract an interest rate of 13% p.a. 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/-.
• 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. 25,000/- (29th Oct – 7th Nov 2019) during the offer “Term” for all tenures.
• Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions cannot be converted into Flexipay. Accordingly and in pursuant thereto, SBICPSL at its sole instance may decline Flexipay facility on such transaction categories.
• More than one retail transaction of Rs. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. 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.
• 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 – sbicard.com during the offer Term.
• This offer on Flexipay is valid from 29th Oct 2019 to 7th Nov 2019 (“Term”). Any bookings made after 7th Nov 2019 will attract an interest rate of 22% 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.
• he 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/-.
• 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.38.
• 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.
• 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.
• In case the SBI Credit cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the SBI Credit Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
• The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- 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 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.
• 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.
• 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.
• A SBI credit cardholder can take multiple Flexipay subject to the available credit limit on his SBI Credit Card account.
• Flexipay monthly installment schedule will begin from the SBICPSL holder 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.
• The MAD will be 5% of the SBICPSL holder 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).
• 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.
• 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
• 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.
• 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 7th Jan 2019.
• 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.
• 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.
• Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on sbicard.com and/or any other medium chosen by SBICPSL.
• 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).
• No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
• Transfer from one Flexipay to another will not be entertained.
• 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.
• 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.
• "Applicable Taxes" means:
• -for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• -for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.sbicard.com
• 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.
• 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.
• Illustrative example of amortization schedule:

  Sr. No.	Billing date	Installment	Interest	Principal	Balance	Taxes (#)
  1	01-Oct-19	893.2	108.3	784.8	9215.2	19.5
  2	01-Nov-19	893.2	99.8	793.3	8421.8	18.0
  3	01-Dec-19	893.2	91.2	801.9	7619.9	16.4
  4	01-Jan-20	893.2	82.6	810.6	6809.3	14.9
  5	01-Feb-20	893.2	73.8	819.4	5989.9	13.3
  6	01-Mar-20	893.2	64.9	828.3	5161.6	11.7
  7	01-Apr-20	893.2	55.9	837.3	4324.3	10.1
  8	01-May-20	893.2	46.9	846.3	3478.0	8.4
  9	01-Jun-20	893.2	37.7	855.5	2622.5	6.8
  10	01-Jul-20	893.2	28.4	864.8	1757.8	5.1
  11	01-Aug-20	893.2	19.0	874.1	883.6	3.4
  12	01-Sep-20	893.2	9.6	883.6	0.0	1.7

  
  
  

  Principal	10000
  Installment	893.2
  R.O.I	13.00%
  Tenure	12

  Applicable Taxes" means:

  for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%

  for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

  * This rate of interest is used to calculate the monthly repayment amount

Tata CLiQ Offer T&C.

Offer: Redeem your Tata Cards points for Tata CLiQ GV worth Rs 1000 or more and get 100% value back (up to Rs 1000)

Terms & Conditions for availing the Offer:

• Participation in the Offer is voluntary and free. Participation in the Offer will be construed as acceptance of the Terms & Conditions of the Offer (provided below) and participant is advised not to participate in the Offer if such Terms & Conditions are not acceptable.
• Offer is valid only once per customer for the offer period.
• The customer will receive the Coupons through SMS on registered mobile number by 10th Nov 2019. Upon receipt of the Coupon, the customer will be required to redeem the Coupon by10th Dec 2019 .
• The customer will need to use their Tata Credit Card to complete the payment transaction to avail the coupon benefit on Tata CLiQ.
• Coupons is valid only on select products. Coupon is not valid on purchase of Tata CLiQ Gift Cards, Gold Coins, Gold Jewellery, Smartphones, and products by Seller Trent Limited, Aditya Birla Fashion and Retail Limited, Pantaloons, Celio Future Fashion Private Limited, Page Industries Limited, Landmark, Infiniti Retail and Tata CLiQ Luxury.
• This coupon is valid for purchases made on the Eligible products during the “Offer Period”. Customers are required to check the product page of the product(s) if the offer is valid for that product.Tata UniStore Limited reserves the right, at any time, without prior notice and without assigning any reason whatsoever to add/modify/alter/change and/or withdraw this offer at any time at its sole discretion
• Tata Unistore Limited reserves the right to cancel an order in case of any fraudulent activity including creating duplicate accounts, aliasing, placing multiple orders or violating the terms and conditions. Upon cancellation, the order will not be reinstated.
• Offer cannot be combined with any other offer/promotion running on the site
• The coupon codes cannot be bartered, sold or exchanged for cash.
• The discount offered will under no circumstances be settled in cash
• Any person availing this offer shall be deemed to have accepted all the terms and conditions.
• Product warranty will be regulated by the Terms and Conditions mentioned on the Warranty Card of respective product/manufacturer.
• Any defects in goods or deficiency in services or any claims, issues, damages or losses arising therefrom with respect to the Product/Services shall be the sole responsibility and liability of the manufacturer/Seller or the Service Provider.
• Any query regarding “The offer” will be entertained for the offer duration. No correspondence on the same will be entertained after the aforementioned date from any person(s).
• Pictorial representation of product(s) in communication(s) sent to the customers is purely representational. None of the Parties under any circumstance(s) will be responsible to the same.
• Tata UniStore Limited is not charging anything from the customer for their participation in the offer.
• “The Offer” is being made purely on best effort basis.
• Delinquent and blocked covered Tata credit cardholders will not qualify for this Offer.
• Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for the Offer.
• In case of complete cancellation of the order by the customer the transaction will not qualify for “The Offer”. In case of partial cancellation of the order, the customer shall qualify for “The Offer” only on the basis of the net amount payable.
• Coupons are valid on the respective site – Marketplace (www.tatacliq.com), the app and the mobile site. Coupon is not valid on Tata CliQ Luxury
• In case of any disputes, the decision of Tata UniStore Limited will be final and binding.
• Product(s) offered are subject to availability by the participating seller(s) on the Tata UniStore Limited platform.
• The Offer is valid only in India. Whosoever participating in the promotional offer/Scheme is deemed to be 18 years of age or more and is also of a sound mind.
• This offer/Scheme shall be subjected to all applicable central/or state laws, rules and regulations
• The competent Court at Mumbai shall have the exclusive jurisdiction for any matter or dispute relating to TUL.
• Any query regarding the offer will be entertained till the offer period only
• This document is an electronic record in terms of Information Technology Act, 2000, and the Rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
• The Company 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.

  Frequently asked questions

  What is the offer?

• On redemption of Tata Card points on www.tatacard.com for Tata CLiQ eGift Card worth Rs 1000 or more (In multiples of Rs. 500), customer will get additional shopping benefits worth Rs 1000.

  Who is eligible for the offer? Only Tata Card holders who redeem Tata Card CLiQ eGift Cards worth Rs.1,000 or more from 9th October 2019 (00:00 hrs) to 31th October 2019 (2359 hrs) in a single transaction are eligible for the offer. During this offer period, customer will receive one shopping coupon worth Rs.200, which can be used 5 times to avail total discount worth Rs 1000. Once you complete the redemption of the

• Tata CLiQ eGift Card on www.tatacard.com, you will receive the coupon by 10th Nov 2019 on your registered mobile number.

  What are the shopping benefits?

• The shopping benefit is in the form of 1 coupon which can be utilised 5 times to get flat Rs 200 off on a minimum shopping order of Rs. 1500.

  When will I receive the shopping coupons?

• You will get an email SMS on your registered mobile number by 10th Nov 2019 with the coupon. These shopping coupons will be valid till 10th Dec 2019 on shopping at Tatacliq.com with your Tata Credit card.

  What is the validity of the offer?

• The offer is valid maximum once per customer per Tata Credit Card. Tata Cardholder will need to redeem the Tata CLiQ eGift Cards from 9th October 2019 (00:00 hrs) to 31st October 2019 (2359 hrs) to be eligible for this offer. The customer will need to use their Tata Card and the coupon received to avail the shopping benefits.

  What is the validity of the shopping coupons?

• These shopping coupons will be valid on any 5 purchases made till 10th Dec 2019.

Enjoy 100% Processing Fee Waiver on booking ENCASH.

To be eligible for the offer, customer needs to book complete Encash offered amount.

Processing fee waiver will be credited to customers account as Cashback by 31^st Jul 2019

Processing fee waiver will be valid for customers receiving communication on the offer either through Email / SMS / Mobile App notification

Customer would not be eligible for the offer in case of cancellation of the Encash booking

Offer valid on bookings from 8^th May 2019 till 15^th May 2019

• This Encash Offer ("Processing Fee Waiver 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.
• This offer is applicable only for Encash booking, by the eligible cardholders, during the offer period. SBICPSL Cardholders who book during the offer period would be eligible for a 100% Processing fee waiver for booking complete offered amount. The Processing fee waiver will be credited to customers account as Cashback by 31th Jul 2019. Processing fee waiver will be valid for customers receiving communication on the offer either through Email / SMS / Mobile App notification.
• The offer is valid from 08th May 2019 to 15th May 2019 (both days inclusive).
• The Rate of Interest applicable for Encash facility is cardmember specific as decided by Tata 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:
  • Past transaction / repayment behavior of the customer
  • 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 12.7% – 29%.

• 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 Tata Cards. All fees / charges applicable to the facility may or may not be dynamic and are subject to modifications based on Tata Cards periodic internal review
• 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 Tata 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 upto 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)
• Tata cardholders can avail the benefits under this Offer by requesting for a cheque which would be send to the cardholder’s registered address.
• 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.
• The monthly repayment schedule will begin from the Tata Cardholder next billing statement and continue over the tenure period chosen for the Offer.
• The Minimum Amount Due (MAD) will be 5% of the Tata 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).
• 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.
• 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.
• 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. Tata 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.
• The Tata Cardholder is supposed to pay the MAD in full to avoid getting delinquent.
• The Tata cardholder may place a request for voluntarily pre-closing the Encash Offer prior to the maturity of the tenure period opted for, by calling the Tata Card Helpline or through our website. A foreclosure fee amounting to 3% of the Principal outstanding would be levied for such pre-closure requests. The Principal outstanding is calculated basis interest rate as applicable.
• In the event a cardholder puts a cancellation request by calling Tata Card helpline within 45 days of the Offer being booked, then all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be reversed once the cheque issued to the cardholder has been cleared and resulted in clear credit to the Cardholder account. Also, in case the cancellation request is received at the Tata Card helpline post 45 days of booking, the processing fees charged will not be reversed and the cardholder would be liable to pay same.
• No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.
• 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.
• Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.
• "Applicable Taxes" means:
  • for the cardholders having State of residence in the records of Tata Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
  • for the cardholders having State of residence in the records of Tata Card on the statement date as other than "Haryana" - Integrated Tax @ 18%
• 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.
• By availing this Offer and by conducting a financial transaction (encashing the Encash Cheque), and/or by booking the Offer on phone, 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.
• No request from Add-on being additional Tata Cardholder other than primary Cardholder will be entertained for booking of Offer or availing benefits under this offer.
• SBICPSL may at its sole option and discretion withdraw this Offer any time before the Encash cheque has been honored/banked.
• The cardholder would generally receive the cheque within 3 working days (for Metro locations) or 5 days (for all other locations) of the booking. 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 in delivery of the cheque may also occur in the event of customer has not updated his current address in the records of Tata Card or in circumstances where the customer is not available at his current address. Tata Card would not be held liable in the event of non-delivery of the instrument within the specified timeline for the foregoing set of reasons.
• Disbursement through NEFT (National Electronic Fund Transfer) to Bank account designated by the Cardholder (“Designated Account”) will be subject to successful processing at beneficiary banks.
• Cardholder intending to cancel Encash request via NEFT can do so by calling our helpline number on the same day, before 8 PM, of booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel Encash request or refuse to accept disbursement of funds any day after the day on which the request for Encash has been made.
• Cardholder agrees to comply with the terms and conditions of the Encash facility as mentioned on Tata Card website. Tata Card will not be responsible for any loss incurred by the Cardholder as a result of any incorrect information provided by the Cardholder with respect to NEFT or Designated Account details. A request for Encash shall be deemed as an absolute consent of/by the Cardholder to accept all the terms of Encash including but not limited to acceptance of these Terms and Conditions and agrees to be bound by it at all times. The Cardholder hereby agrees that upon the amounts being credited to the Designated Account, he/she shall be required to repay the Encash amount along with the interest, processing fee and applicable taxes as per the amortization schedule.
• In the event of any return of funds/reject of NEFT from Designated Account, the cheque (for the requested amount) will be dispatched at customer’s registered address automatically.
• Encash amount would be directly transferred to customer’s saving bank account within 48 - 72hours (excluding Bank Holidays) of the request.
• The Cardholder hereby agrees to avail the Encash facility on the precondition that he will not use the Encash facility or the amount dispersed under Encash, or any part thereof, towards investments in capital markets and Jewelry purchases.
• 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.

Illustrative example of amortization schedule:

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 Applicable Taxes

"Applicable Taxes" means:

• for the cardholders having State of residence in the records of Tata Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• for the cardholders having State of residence in the records of Tata Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

Encash web offer terms & conditions:

• For booking amount >= INR 1,50,000 & < INR 2,50,000: 50% Processing Fee Waiver
• For booking amount >= INR 2,50,000: 100% Processing Fee Waiver
• Minimum booking amount eligible for Encash Processing fee waiver: INR 1.5 Lakhs

1. This Encash Offer ("Offer") is made by Tata Cards & Payment Services Pvt. Ltd ("SBICPSL") to certain Tata Cards 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 tatacard.com & SBI Card MobileApp, by the eligible cardholders, during the offer period. SBICPSL Cardholders who book Encash on www.tatacard.com & Tata Cards MobileApp during the offer period would be eligible for a 50% Processing fee waiver for a booking amount >= INR 1,50,000 & < INR 2,50,000 or 100% Processing fee waiver for booking amount >= INR 2,50,000. Minimum booking amount eligible for Encash Processing fee Waiver: INR 1.5 lakh
3. The offer is valid from 01st Sep 2018 to 31st Oct 2018 (both days inclusive)
4. The Rate of Interest applicable for Encash facility is cardmember 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:
   • Past transaction / repayment behavior of the customer
   • 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 12.7% – 29%.
5. This Offer carries a rate of interest which shall be charged to the Cardholder on the offered principal amount and is used 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. In addition, the Cardholder shall also be charged a Processing fee at the rate of 2% of the principal amount advanced but subject to a minimum amount of Rs.499 (Four Hundred and Ninety Nine only) and a maximum of Rs. 3000 (Three Thousand Only)
6. 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
7. 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 Tata Cards. 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 upto 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)
8. Tata cardholders can avail the benefits under this Offer by requesting for a cheque which would be send to the cardholder’s registered address.
9. 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.
10. Eligible cardholders will be credited with the Processing Fee Waiver within 45 days of offer closure i.e 15^th December 2018
11. The monthly repayment schedule will begin from the Tata Cardholder next billing statement and continue over the tenure period chosen for the Offer.
12. The Minimum Amount Due (MAD) will be 5% of the Tata 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).
13. 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.
14. 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.
15. 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. Tata 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.
16. The Tata Cardholder is supposed to pay the MAD in full to avoid getting delinquent.
17. The Tata cardholder may place a request for voluntarily pre-closing the Encash Offer prior to the maturity of the tenure period opted for, by calling the Tata Cards Helpline or through our website. A foreclosure fee amounting to 3% of the Principal outstanding would be levied for such pre-closure requests. The Principal outstanding is calculated basis interest rate as applicable.
18. In the event a cardholder puts a cancellation request by calling Tata Cards helpline within 45 days of the Offer being booked, then all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be reversed once the cheque issued to the cardholder has been cleared and resulted in clear credit to the Cardholder account. Also, in case the cancellation request is received at the Tata Cards helpline post 45 days of booking, the processing fees charged will not be reversed and the cardholder would be liable to pay same.
19. No request for change in billing cycle will be entertained before all the repayment amounts have been cleared by the Cardholder.
20. 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.
21. Cardholders are not bound in any way to participate in this Offer. Any such participation is voluntary.
22. "Applicable Taxes" means:
    1. for the cardholders having State of residence in the records of Tata Cards on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
    2. for the cardholders having State of residence in the records of Tata Cards on the statement date as other than "Haryana" - Integrated Tax @ 18%
23. 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.
24. By availing this Offer and by conducting a financial transaction (encashing the Encash Cheque), and/or by booking the Offer on phone, 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.
25. No request from Add-on being additional Tata Cardholder other than primary Cardholder will be entertained for booking of Offer or availing benefits under this offer.
26. SBICPSL may at its sole option and discretion withdraw this Offer any time before the Encash cheque has been honored/banked.
27. The cardholder would generally receive the cheque within 3 working days (for Metro locations) or 5 days (for all other locations) of the booking. 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 in delivery of the cheque may also occur in the event of customer has not updated his current address in the records of Tata Card or in circumstances where the customer is not available at his current address. Tata Card would not be held liable in the event of non-delivery of the instrument within the specified timeline for the foregoing set of reasons.
28. Disbursement through NEFT (National Electronic Fund Transfer) to Bank account designated by the Cardholder (“Designated Account”) will be subject to successful processing at beneficiary banks.
29. Cardholder intending to cancel Encash request via NEFT can do so by calling our helpline number on the same day, before 8 PM, of booking request and get the cancellation request raised. However, Cardholder shall not be entitled to cancel Encash request or refuse to accept disbursement of funds any day after the day on which the request for Encash has been made.
30. Cardholder agrees to comply with the terms and conditions of the Encash facility as mentioned on Tata Cards website. Tata Cards will not be responsible for any loss incurred by the Cardholder as a result of any incorrect information provided by the Cardholder with respect to NEFT or Designated Account details. A request for Encash shall be deemed as an absolute consent of/by the Cardholder to accept all the terms of Encash including but not limited to acceptance of these Terms and Conditions and agrees to be bound by it at all times. The Cardholder hereby agrees that upon the amounts being credited to the Designated Account, he/she shall be required to repay the Encash amount along with the interest, processing fee and applicable taxes as per the amortization schedule.
31. In the event of any return of funds/reject of NEFT from Designated Account, the cheque (for the requested amount) will be dispatched at customer’s registered address automatically.
32. Encash amount would be directly transferred to customer’s saving bank account within 48 - 72hours (excluding Bank Holidays) of the request.
33. The Cardholder hereby agrees to avail the Encash facility on the precondition that he will not use the Encash facility or the amount dispersed under Encash, or any part thereof, towards investments in capital markets and Jewelry purchases.

Illustrative example of amortization schedule:

 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 Applicable Taxes

"Applicable Taxes" means:

• for the cardholders having State of residence in the records of Tata Cards on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• for the cardholders having State of residence in the records of Tata Cards on the statement date as other than "Haryana" - Integrated Tax @ 18%

• Shop Share Smile marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (SBICPSL) and is open to TATA Group company’s employees only holding a valid and current Tata Card (“Cardholder”), classification of the same is linked to the employer section filled at the time of sourcing of the said account and to whom a communication is sent by SBICPSL. This offer would not hold true for any TATA Group company employees who are not mentioned in TATA Cards employer section record.
• The Validity of the Program is from 22 June 2018 to 29 Jul 2018 (Both days included), unless extended by SBICPSL.
• Under this program:
  • Cardholder can avail 5% Cashback at Select Tata Brand Stores participating in “Shop, Share, Smile program using Tata Cards.

  Offer Details:

  Offer Period	22 Jun – 29 Jul’18
  Offer Applicable at	Blue Star : Online Titan Eye : POS Caratlane : POS Tatacliq.com : Online Croma : Online & POS Star Bazaar : POS Ginger Hotels : POS Tanishq : POS
  Offer	5% Cashback
  Min. trxn amount for offer	Rs. 5000
  Max. cashback per card account	Rs. 1500

• This Program is not applicable on Tata Corporate Card.
• Cashback will be credited to the card account by 12 Sep 2018 and fulfillment would be done basis the TID list received from partners & offer will only be fulfilled on these TIDs.
• Any query/dispute regarding the Cashback will be entertained till 12 Oct 2018. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Programme from any cardholder.
• SBICPSL along with its direct affiliate(s)/merchants is alone responsible for resolving all disputes and differences in relation to this Program.
• SBICPSL do 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.
• 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.
• 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.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on our website, are representative only and may not bear a resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Products offered under this program are subject to availability from the respective participating outlets of Merchant and accordingly SBICPSL in no circumstances shall be liable for non-availability of any of the products.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any 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 New Delhi for SBICPSL and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
• 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 or cancel the program entirely or partially at any time without prior notice to the cardholders.
• 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.

Limited period – Flexipay Contest Offer terms & conditions:

• Lower Rate of interest at 14% p.a
• 100% Processing fee waiver for bookings >=50k

1. This offer is on Flexipay facility and is open only to those Tata 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 tatacard.com. 
4. This offer on Flexipay is valid only for bookings between 16^th Apr 2018 and 18^th Jul 2018 -both days inclusive (“Term”).
5. Flexipay bookings made under program period will attract an interest rate of 14% p.a. for a minimum amount of Rs. 500/- 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” for all tenures.
7. Under this offer, the cardholder would be allowed to convert only Retail transactions of Rs. 500/- and above into installments. Interest levied, Fees and Charges, GST and any other charges levied on the card cannot be converted into installments. Fuel transactions 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. 500/- and above can be clubbed together to avail the offer. Minimum booking amount Rs. 2500. The Tata 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 – tatacard.com during the offer Term.
10. This offer on Flexipay is valid from 16th Apr 2018 to 18th Jul 2018 (“Term”). Any bookings made after 18th Jul 2018 will attract an interest rate of 22% 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 Tata 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. 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.38.
13. 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.
14. 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.
15. In case the Tata Cardholders has made multiple retail purchase transactions, each one of them more than Rs. 500/-, then the Tata Cardholders can combine these transactions and move the consolidated purchase amount to the Flexipay Scheme. Minimum booking amount Rs. 2500.
16. The Flexipay facility is applicable/available only on retail purchases (subject to minimum single booking of Rs. 500/- or more) made by either Primary or Add on Tata Card. No request from Add on Tata 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/-.
17. 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.
18. It is stipulated, if the Tata 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.
19. Upon Flexipay approval, the Tata 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 Tata Cardholder.
20. A Tata Cardholder can take multiple Flexipay subject to the available credit limit on his Tata Card account.
21. Flexipay monthly installment schedule will begin from the SBICPSL holder 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.
22. The MAD will be 5% of the SBICPSL holder 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).
23. 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.
24. 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
25. 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.
26. 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 15th Sep 2018.
27. 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.
28. 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.
29. Booking a Flexipay on phone will be deemed as acceptance of the terms and conditions of this program as set forth on tatacard.com and/or any other medium chosen by SBICPSL.
30. 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).
31. No request for Flexipay will be entertained within 90 days of SBICPSLholder’s flipping/change of card request.
32. Transfer from one Flexipay to another will not be entertained.
33. 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.
34. Tata 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.
35. "Applicable Taxes" means:
    -for the cardholders having State of residence in the records of Tata Cards on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
    -for the cardholders having State of residence in the records of Tata Cards on the statement date as other than "Haryana" - Integrated Tax @ 18% 
36. This Offer Terms & Conditions shall be read in conjunction with the Flexipay Terms & Conditions available on www.tatacard.com
37. 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.
38. Illustrative example of amortization schedule:    

Amortization Schedule 

"Applicable Taxes" means:

• for the cardholders having State of residence in the records of Tata Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• for the cardholders having State of residence in the records of Tata Cards on the statement date as other than "Haryana" - Integrated Tax @ 18%

* This rate of interest is used to calculate the monthly repayment amount

Exclusive offer starting from 1^st Jun to 30^th Jun 2018:

• Flexipay bookings made under program period will attract an interest rate of 13% p.a. 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/-.
• 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” for all tenures.
• The offer will be valid from 1st Jun to 30th Jun 2018. In addition to this, the above program T&Cs will be applicable

Flexipay Pizza Hut Voucher program:

Offer details: Pizza Hut voucher worth INR 500 for booking value greater than INR 25,000

• Offer is valid starting from 1^st Jun – 30^th Jun 2018
• The offer fulfillment will be done by 15th Sep 2018
• As a part of the Pizza Hut voucher program, customers are eligible for INR 500 Pizza Hut voucher for booking value greater than INR 25,000
• Customers who cancel their bookings during the offer period would not be eligible for the voucher. All cancellations done within 45 days of booking (booking period of 1st June to 30th June) would not be eligible
• For the program, only 2 bookings per customer, above INR 25,000 will be eligible for voucher program
• The Pizza Hut voucher will be valid for a period of 6 months. In extension to the above Terms and conditions, the below Pizza Hut Terms and conditions will be applicable

Pizza Hut T&C – EGV’s

Terms and Conditions: Pizza Hut

The procedure for redeeming the EGV is as follows:

1. To use this card at restaurants, please present the card at time of payment
2. To use this card for home delivery via call please quote your 16-digit card number at time of placing the order
3. To use this card for home delivery via Online/APP Ordering please select cash on delivery and kindly handover/quote your 16-digit card number at time of receiving the order

Customer Terms and Conditions:

• Pizza Hut Prepaid is issued by Yum! Restaurants India Pvt.Ltd. (“Yum!”) & its authorized franchisees for making payments at participating Pizza Hut Restaurants & Delivery Outlets* in India
• This Card is for one time use & any unused balance (Value/Offer/Coupon etc.) cannot be used again or be exchanged for cash
• Multiple EGVs can be used by the customer in same bill
• All running offers / discounts for the Brand would be valid over and above this EGV. The EGV is a Cash voucher which can be used to settle the final bill after incorporating all running offers / discounts
• No cash refunds will be given against the card (incl. in case of loss or otherwise). Any balance (value/offer/coupon) in this card is valid for 7 months from the date of issue and any unused balance will expire automatically
• Rights to amend terms & conditions reserved with Yum! Without prior notice
• For all amendments, card balance & expiry details, please visit pizzahut.co.in
• The user unconditionally accepts all T&C and shall not raise any disputes in this regard
• All disputes subject to exclusive jurisdiction of courts at New Delhi
• For Balance and expiry check sms your 16 digit card number to 57575500

Offer details: Pizza Hut voucher worth INR 1000 for booking value greater than or equal to INR 1,50,000

• Offer is valid starting from 1^st Jun – 30^th Jun 2018
• Pizza Hut voucher will be valid for a period of 6 months. In extension to the above Terms and conditions, the below Pizza Hut Terms and conditions will be applicable
• The offer fulfillment will be done by 15^th Sep 2018
• Customers who cancel their bookings during the offer period would not be eligible for the voucher. All cancellations done within 45 days of booking (booking period of 1^st June to 30^th June) would not be eligible.
• For the program, only one booking per customer, above INR 1,50,000 will be eligible for Pizza Hut voucher.

Pizza Hut T&C – EGV’s

Terms and Conditions: Pizza Hut

The procedure for redeeming the EGV is as follows:

• To use this card at restaurants, please present the card at time of payment
• To use this card for home delivery via call please quote your 16-digit card number at time of placing the order
• To use this card for home delivery via Online/APP Ordering please select cash on delivery and kindly handover/quote your 16-digit card number at time of receiving the order

Customer Terms and Conditions:

• Pizza Hut Prepaid is issued by Yum! Restaurants India Pvt.Ltd. (“Yum!”) & its authorized franchisees for making payments at participating Pizza Hut Restaurants & Delivery Outlets* in India
• This Card is for one time use & any unused balance (Value/Offer/Coupon etc.) cannot be used again or be exchanged for cash
• Multiple EGVs can be used by the customer in same bill
• All running offers / discounts for the Brand would be valid over and above this EGV. The EGV is a Cash voucher which can be used to settle the final bill after incorporating all running offers / discounts
• No cash refunds will be given against the card (incl. in case of loss or otherwise). Any balance (value/offer/coupon) in this card is valid for 7 months from the date of issue and any unused balance will expire automatically
• Rights to amend terms & conditions reserved with Yum! Without prior notice
• For all amendments, card balance & expiry details, please visit pizzahut.co.in
• The user unconditionally accepts all T&C and shall not raise any disputes in this regard
• All disputes subject to exclusive jurisdiction of courts at New Delhi
• For Balance and expiry check sms your 16 digit card number to 57575500

• This marketing Program  (“Offer”/“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Tata Cards (Croma) (“Merchant”) and is open to all residents of India holding a valid Tata Cards (“Cardholder”) and to whom a communication is sent either by SBICPSL and/or Merchant.
• The validity of the program is from 01st Oct’17 to 31st Mar’18 (Both days included), unless extended by SBICPSL and Merchant.
• Under this Program:
  • Only Tata Croma Cards approved cardholders would be eligible for the said offer & would receive SMS with the offers details
  • All Tata Croma Cards Customers would be only eligible post repayment of annual fee.
  • Tata Croma Cards customers would receive SMS with validity period on repayment of annual fees.
  • Tata Croma Cards customers have to show the SMS before purchase of goods to the Croma Stores
  • Tata Croma Cards activation offers can be clubbed with any other discount offers running at the Croma stores at the time of offer period.
• This Program is not applicable on Tata Corporate Cards.
• 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.
• 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.
• 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.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on our website, are representative only and may not bear a resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Products offered under this program are subject to availability from the respective participating outlets of Merchant and accordingly SBICPSL in no circumstances shall be liable for non-availability of any of the products.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any 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.
• 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.

• This marketing Program  (“Offer”/“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Tata Cards(Tatacliq) (“Merchant”) and is open to all residents of India holding a valid Tata Card (“Cardholder”) and to whom a communication is sent either by SBICPSL and/or Merchant.
• The validity of the programme from 04th Oct’17 to 08th Oct’17 (Both days included), unless extended by SBICPSL and Merchant.
• Under this Program:
  • Offer valid only once per customer
  • Use promocode TATACARD to avail the offer
  • Not valid on Westside, Croma, Jockey, Madura and their respective brands
  • Valid only on payments made through valid Tata Cards.
  • Tata Unistore Limited & Tata Cards reserve the right to cancel or change the offer at their discretion
  • Any fraudulent activities, including creating duplicate accounts, aliasing, placing multiple orders or violating the terms and conditions will lead to order cancellation.
  • Maximum discount that can be availed per order will Rs. 500
  • Offer cannot be combined with any other offer/promotion running on the site
  • The discount offered will under no circumstances be settled in cash
  • Offer Valid on Tata CLiQ marketplace (www.tatacliq.com) , the app and the mobile site
• This Program is not applicable on Tata Corporate Cards.
• This is an upfront discount and no cashback will be posted on card account for the same.
• 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.
• 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.
• 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.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on our website, are representative only and may not bear a resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Products offered under this program are subject to availability from the respective participating outlets of Merchant and accordingly SBICPSL in no circumstances shall be liable for non-availability of any of the products.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any 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.
• 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.

• This marketing Program  (“Offer”/“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Titan Eye Plus (“Merchant”) and is open to all residents of India holding a valid Tata Card (“Cardholder”) and to whom a communication is sent either by SBICPSL and/or Merchant.
• The Offer is valid till 31st Oct’17, unless extended by SBICPSL and Merchant.
• Under this Program:
  • Cardholders will get 10% Instant Discount on Titan Eye Plus eyewear brands at Titan Eye Plus Stores.
  • This Offer is only Applicable on House brand products of Titan Eye Plus.
• This Program is not applicable on Tata Corporate Cards.
• This is an upfront discount and no cashback will be posted on card account for the same.
• Any query regarding the discount will be entertained till 30^th Apr’2018. Post such date, SBICPSL will not entertain any correspondence or communication regarding this Program from any cardholder.
• 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.
• 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.
• 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.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on our website, are representative only and may not bear a resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Products offered under this program are subject to availability from the respective participating outlets of Merchant and accordingly SBICPSL in no circumstances shall be liable for non-availability of any of the products.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any 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.
• 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.

• This marketing programme (Programme) is from SBI CARDS AND PAYMENT SERVICES PRIVATE LIMITED (“SBICPSL”) under an arrangement with Tata Cards (“Merchant”) and is open to select residents of India holding a valid Tata Cards (“Cardholder” or “Tata Cardholders”)
• The validity of the programme is : 12-13 Aug'17 & 19-20 Aug’17 (mentioned days included) unless extended by SBICPSL and Merchant by mutual consent in writing.
• Under this Programme, on purchases made through Tata Card at any Croma store in India, Tata Cardholders get :
• 5% Cashback at Croma stores. Min.Trxn:Rs.20,000. Max. Cashback: Rs.5000 per card account.
• Flat 10% off on appliances & LED TVs Min Trxn: INR 25000.
• Upto Rs.8000 off on new laptops in exchange of old laptop.
• Offer valid till stock last. The Offer shall be applicable to all Tata Cards and Tata STAR Cards and is not applicable on Tata Corporate Card.
• 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.
• Pictures of products shown in the communication sent to the Cardholder either through mailers or advertised on our website, are representative only and may not bear a resemblance to the actual products. SBICPSL under no circumstances shall be responsible towards the same.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable.
• 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
• SBICPSL and Merchant reserve the right to modify or change any of the terms and conditions applicable to this Programme at any time without any notice.
• Settlement of disputes: Terms and conditions set herein shall be governed by the laws of India only. All disputes arising under the offer shall be tried under the exclusive jurisdiction of the competent courts in Mumbai only.
• The Programme is for the consumption of individual retail consumers only.

• For booking amount >= INR 1,50,000 & < INR 2,50,000: 50% Processing Fee Waiver
• For booking amount >= INR 2,50,000: 100% Processing Fee Waiver
• Minimum booking amount eligible for Encash Processing fee waiver: INR 1.5 lakh
  
  

1. This Encash Offer ("Processing Fee Waiver Offer") is made by SBI Cards & Payment Services Pvt. Ltd ("SBICPSL") to certain TATA 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 tatacard.com, by the eligible cardholders, during the offer period. SBICPSL Cardholders who book Encash on www.sbicard.com & SBI Card MobileApp during the offer period would be eligible for a 50% Processing fee waiver for a booking amount >= INR 1,50,000 & < INR 2,50,000 or 100% Processing fee waiver for booking amount >= INR 2,50,000. Minimum booking amount eligible for Encash Processing fee Waiver: INR 1.5 lakh
3. The offer is valid from 04^th Aug 2017 to 30^th Sep 2017 (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:
   1. Past transaction / repayment behavior of the customer
   2. 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% - 22%.

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. Eligible cardholders will be credited with the Processing Fee Waiver within 45 days of offer closure i.e 15^th November 2017
13. The monthly repayment schedule will begin from the SBICPSL 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 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).
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. 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.
18. The SBICPSL Cardholder is supposed to pay the MAD in full to avoid getting delinquent.
19. The SBI cardholder may place a request for voluntarily pre-closing the Encash Offer prior to the maturity of the tenure period opted for, by calling the SBI Card Helpline or through our website. A foreclosure fee amounting to 3% of the Principal outstanding would be levied for such pre-closure requests. The Principal outstanding is calculated basis reducing interest rate as shown in the amortization schedule sent along with Encash Cheque. 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.
20. In the event a cardholder puts a cancellation request by calling the SBI Card helpline within 45 days of the Offer getting booked, then all fees and charges levied will be reversed. Notwithstanding above, it is clarified that the applicable fees and charges will not be reversed once the cheque issued to the cardholder has been cleared and resulted in a clear credit to the Cardholder account. Also in case the cancellation request is received at the SBI Card helpline post 45 days of booking, the processing fees charged will not be reversed and the cardholder would be liable to pay the same. In this scenario, the processing fee waiver provided for the Encash web offer would not be applicable. For such cancellation scenarios, if the processing fee waiver is provided on the account, the same would be reversed within 45 days of offer closure i.e. by 15^th November 2017
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. "Applicable Taxes" means:
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 Cheque), and/or by booking the Offer online on sbicard.com or SBI Card MobileApp, 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 SBICPSL 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 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. SBICPSL 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:

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

"Applicable Taxes" means:

• for the cardholders having State of residence in the records of SBI Card on the statement date as "Haryana" - Central Tax @ 9% and State Tax @ 9%
• for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%

** - 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.

1. This Offer ('Offer') from SBI Cards & Payment Services Private Ltd. ('SBICPSL') is open to SELECT cardholders holding a valid and current TATA Card ('Card') with no outstanding of more than 30 days ('Cardholder').
2. This offer shall be valid between the periods as communicated by SBICPSL (“Term”) unless extended by the parties in mutual consent in writing.
3. The TATA Card Promotional Offer (“the Program”) allows eligible TATA Cardholder(s) to be eligible for the reward (“offer”) by spending on their SBI Card, as determined by SBI Cards & Payment Services Private Limited (“SBICPSL”).
4. This Offer is made available to the Customer/s selected at the discretion of SBICPSL.
5. Under this offer, to be eligible for the complimentary gift voucher (“Brand GV”), 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.
6. Above offer is by way of a special offer for select SBICPSL Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above offers shall be in addition to and not in derogation of the terms contained in the Card members Agreement.
7. Qualifying transactions are the transactions performed on specific merchant category and will be based on “Eligible MCC Categories” as defined by Merchant Identification Number (“MID”) falling into required Merchant Category Codes (“MCC”).
8. The “Eligible MCC categories” like Department & Grocery store, Fuel etc defined for this promotion shall have the same meaning as ascribed to the categories by Visa & Master Card under their respective Merchant Category Codes. (i.e.) The franchisees have listed qualifying criteria for merchant establishments in order to qualify to be listed under a specified category. (like departmental stores, groceries etc) The merchant establishment needs to have accordingly qualified and hence listed in the relevant MCC Category, in order for the transaction to be eligible for the offer.
9. SBICPSL will not be responsible for considering purchases as “ Qualifying transactions” at merchant outlets/ franchisees that have not registered themselves under the MCCs assigned as part of “Eligible MCC Category”.
10. Qualifying transactions does not include spends on merchants which are not part of “ Eligible MCC category” spends, ATM Cash Withdrawal, Easy Bill Pay, Balance Transfer, Encash and Easy Money draft products of SBICPSL.
11. To be eligible under this Offer, purchases must be made on atleast 2 or more MCC categories in accordance with the list of “Eligible MCC categories” in the communication sent by SBICPSL.
12. To be eligible for the offer, Cardholder is required to satisfy the condition mentioned in the offer post receipt of the communication.
13. “Eligible MCC Categories” along with respective MCC Code, considered as part of this promotion are listed below with definition that is only indicative and coined for purpose of explaining the offer.
    1. Airline & Travel Agents MCC: Air-line spends refer to purchases made at airline owned websites, at airline counters. Bookings made through any travel agents, including but not limited to any private travel agents, corporate travel agents, online travel agencies or their websites/IVR systems, shall be eligible. Car rental spends included.

1. Departmental, Supermarkets & Grocery stores MCC : Supermarket chains, individual sellers of household groceries and supplies, which are not located inside hotels, hospitals or other similar establishments.
2. Restaurants, Hotels, Lodging MCC: Eateries that are individual restaurants or restaurant chains. Restaurants/Dining franchisees inside hotels, Hotel & lodging stay payments are part of this MCC.
3. Fuel MCC: Petrol, diesel, CNG from Oil Marketing Companies (OMCs).
4. Entertainment & Movies MCC: Movie theatres, multiplexes and online movie ticket booking websites.
5. Utility & Telecom Bill Payment MCC: Providers of landline phones, mobile phones, internet services, cable and other pay TV services, & calling Cards and electricity, gas and water.

• Apparel Shopping MCC: Establishments dealing in clothing, fashion, apparel shopping both online/offline refer to Apparel purchases.
• Detailed List of MCC falling under respective Department Grocery, Fuel etc categories is categorized in the end for reference.
• The providers listed in the categories above can be government departments and agencies including local, state, municipal organizations; public housing societies and apartment associations..

4. The merchant category of purchase will be decided on the basis of MCC for the merchant   establishment where the purchase is made.
5. SBICPSL reserves the sole right to decide on whether a purchase meets the eligibility criterion.
6. Only transactions that are reflecting in your account for a particular calendar month, will qualify for the Offer in that calendar month. Transactions should reflect in your Card account by the 15th of the next calendar month.
7. This Offer is being made purely on a 'best effort' basis. Cardmembers are not bound in any manner to participate in this Offer and any such participation is purely voluntary.
8. Nothing expressed or implied in the programme shall in any way waive or amend any of the terms and conditions of the existing Cardmember agreement.
9. Any disputed transaction will not be considered for qualifying purchase value computation. Merchant refunds will be considered as a negative adjustment in qualifying purchase value computation.
10. SBICPSL reserves the sole right to decide on whether a purchase meets the eligibility criterion.
11. Selection of listed merchants as part of any “ Eligible MCC Category” is at the sole discretion of SBICPSL. SBICPSL reserves its absolute right to withdraw and/or alter the list of listed merchants at any time during the Offer Period.
12. Returned purchases/reversals(for all transactions done during or before the offer period), disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.
13. Eligible cardholders will be communicated of the product redemption e-voucher code along with the microsite to visit to redeem the gift.
14. 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.
15. 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.
16. Redemption of complimentary gift is being fulfilled by our Partner (hereafter “vendor”) and will be in accordance with the instructions/specifications provided in the communication sent by SBICPSL.
17. 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.
18. If a cardholder has more than one TATA Card, he/she must confirm the specific TATA 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.
19. SBICPSL reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel or amend/modify/vary any of the Terms & Conditions of this Offer, without assigning any reasons therefore.

Airline & Travel Agents –

3000,3001,3004,3005,3006,3007,3008,3009,3010,3011,3012,3013,3014,3015,3016,3017,3019,3020,

3021,3022,3024,3025,3026,3029,3030,3031,3032,3034,3035,3037,3038,3039,3040,3042,3043,3044,3047,

3048,3049,3050,3051,3052,3056,3057,3058,3061,3063,3064,3066,3068,3072,3075,3076,3077,3078,3079,

3082,3083,3084,3088,3089,3097,3098,3099,3100,3102,3103,3111,3127,3132,3136,3144,3146,3161,3174,

3175,3177,3180,3182,3183,3184,3193,3196,3206,3211,3217,3219,3234,3236,3245,3246,3247,3248,3256,

3260,3261,3292,3294,3295,3296,3297,3298,3299,4511,3018,3213,3228,3825,3178,3191,3028,3223,3096,3280,3221,3266)

(3351,3355,3357,3364,3366,3381,3387,3389,3390,3393,3395,3405,3412,3438,3441,4111,4119,4121,

4131,4214,4411,4468,4582,4722,4723,4784,4789,7512,7513,7519,3400,3368,3359,3409,3386,3361)

Apparel Shopping

5137,5139,5611,5621,5631,5641,5651,5655,5661,5681,5691,5697,5698,5699,7251,7296

Department & Grocery Stores

2741,2791,5131,5193,5261,5300,5309,5310,5311,5331,5399,5411,5422,5441,

5451,5462,5499,5931,5937,5940,5941,5945,5948,5949,5972,5973,5992,5993,5994,5995,5996,5997,5998,5999

Entertainment & Music

5733,5735,7829,7832,7841,7911,7922,7929

Fuel

5172, 5541, 5542, 5983

Restaurant/Dining, Hotels & Lodging

3501,3502,3503,3504,3505,3506,3507,3508,3509,3510,3511,3512,3513,3514,3515,3516,

3518,3519,3520,3523,3524,3526,3528,3530,3533,3535,3537,3538,3539,3541,3542,3543,

3545,3548,3549,3551,3552,3553,3555,3558,3559,3561,3562,3563,3565,3566,3567,3570,

3572,3573,3577,3579,3580,3581,3582,3583,3586,3588,3590,3591,3592,3595,3596,3598,

3602,3604,3607,3608,3609,3612,3613,3614,3615,3617,3619,3621,3623,3628,3629,3631,

3634,3636,3637,3638,3640,3641,3642,3643,3644,3645,3647,3649,3650,3651,3652,3653,

3654,3655,3657,3658,3659,3660,3661,3662,3663,3665,3667,3670,3672,3676,3678,3680,

3684,3685,3687,3688,3690,3692,3693,3695,3699,3700,3701,3703,3709,3710,3715,3716,

3717,3719,3720,3721,3722,3723,3726,3727,3728,3729,3730,3731,3737,3738,3740,3741,

3742,3745,3747,3748,3750,3751,3752,3763,3765,3770,3771,3772,3773,3774,3775,3777,

3778,3779,3780,3781,3782,3784,3786,3790,3791,3793,3795,3799,3807,3808,3811,3812,

3813,3814,3823,3824,3828,7011,3764,3679,3767,3783,3575,3625,3822,3668,3571,3743,

3525,7511,3557,9753,3800,3627,3681,3754,3632,3760,3830,3766,3829,3635,3826,3576,

3739,5811,5812,5813,5814,5921

Utilities, Telecom Bill Payments

(742,763,780,1520,1711,1731,1740,1750,1761,1771,1799,4215,4457,4821,4829,

5044,5946,5970,5971,6513,7012,7032,7033,7210,7211,7216,7221,7261,7273,7276,

7277,7278,7299,7311,7321,7333,7338,7339,7342,7349,7361,7375,7392,7393,7395,

7399,7699,7932,7933,7941,7991,7992,7993,7994,7995,7996,7997,7998,7999,8111,

8398,8641,8651,8661,8675,8699,8911,8931,8999,9211,9222,9311,9399,9402,9405,

9751,6540,9223,9754, 5960,4813,4814,4899,5967,4900, 5935)

Frequently Asked Questions

Q: What is the offer?

A: Spend in any 2 of the listed merchant categories during offer period and get a complimentary Gift voucher from respective brand as communicated by SBI Card through SMS and/or Email. The voucher would be in the form of a Unique code that can be redeemed on partner (Big Bazaar/Amazon.in/BookMyShow.com). So go ahead and spend in “Eligible MCC categories” to get a voucher during the offer period.

Q: What are the Eligible MCC Categories & what is the category description?

A: Qualifying transactions are the transactions performed on specific merchant category and will be based on “Eligible MCC Categories” as defined by Merchant Identification Number (“MID”) falling into required Merchant Category Codes (“MCC”).

The “Eligible MCC categories” like Department & Grocery store, Fuel etc defined for this promotion shall have the same meaning as ascribed to the categories by Visa & Master Card under their respective Merchant Category Codes. (i.e.) The franchisees have listed qualifying criteria for merchant establishments in order to qualify to be listed under a specified category. (like departmental stores, groceries etc)

Eligible MCC Categories” along with respective MCC Code, considered as part of this promotion are listed below with definition that is only indicative and coined for purpose of explaining the offer.

1. Departmental, Supermarkets & Grocery stores MCC : Supermarket chains, individual sellers of household groceries and supplies, which are not located inside hotels, hospitals or other similar establishments.
2. Restaurants, Hotels, Lodging MCC: Eateries that are individual restaurants or restaurant chains. Restaurants/Dining franchisees inside hotels, Hotel & lodging stay payments are part of this MCC.
3. Fuel MCC: Petrol, diesel, CNG from Oil Marketing Companies (OMCs).
4. Entertainment & Movies MCC: Movie theatres, multiplexes and online movie ticket booking websites.
5. Utility & Telecom Bill Payment MCC: Providers of landline phones, mobile phones, internet services, cable and other pay TV services, & calling Cards and electricity, gas and water.

• Airline & Travel Agents MCC: Air-line spends refer to purchases made at airline owned websites, at airline counters. Bookings made through any travel agents, including but not limited to any private travel agents, corporate travel agents, online travel agencies or their websites/IVR systems, shall be eligible. Car rental spends included.
• Apparel Shopping MCC: Establishments dealing in clothing, fashion, apparel shopping both online/offline refer to Apparel purchases.
• Detailed List of MCC falling under respective Department Grocery, Fuel etc categories is categorized in the end for reference.

For Example: if you spend in 2 or more categories out of the 4 listed categories as per communication sent by SBi Card through SMS and Email, you will get complimentary gift vouchers from partner brand.

Q: Is there a minimum transaction of spend required in each category or in total?

A:There is NO minimum transaction amount per transaction needed to qualify. Cardholder needs to make at least one transaction of any amount is the specified Eligible MCC category.

• If the requirement is to spend in 2 MCC, cardholder need to spend atleast once in each category to be eligible.

Q: What are the groups/categories where I can spend?

A: A list of all groups/categories with detailed description has been communicated through Email and SMS. Please refer to above description of eligible MCC category for details.

Q: Which are the eligible merchants in each group/category?

A: A list of all groups/categories with detailed description has been communicated through Email. Please refer to above description of eligible MCC category for details.

Q: How will I receive the voucher?

A: An ecode and microsite details will be sent to Eligible cardholders qho’ve qualified as per offer communication through SMS and email.

• Visit microsite & enter code to redeem the brand Gift Vouchers.
• Gift Voucher will be unique code that will be sent through SMS and Email instantly upon payment confirmation.
• Cardholder can then visit partner site or partner outlet and show the code to redeem offerGift voucher usage details, along with the associated Terms and Conditions would be mentioned in the email that you will receive.

Q: Till when is the offer valid?

A: Offer is valid from 5-30 August 2017.

Q: Who is eligible?

A: This Offer is open to Select SBICPSL cardholders whose credit cards are valid and in good standing. This offer is available only on invitation.

Q: How do I find out if I have qualified or not?

A: If you have qualified, you will automatically receive the Congratulatory SMS with ecode/microsite details within 45 days of offer end date. In case you do not receive the details, please call helpline post offer fulfillment to re-check your eligibility.

• This marketing programme (Programme) is from SBI CARDS AND PAYMENT SERVICES PRIVATE LIMITED (“SBICPSL”) under an arrangement with Tata Cards (“Merchant”) and is open to select residents of India holding a valid Tata Cards (“Cardholder”)
• The validity of the programme is from 30^th Jun’17 to 31st Jul’17 (Both days included) unless extended by SBICPSL and Merchant by mutual consent in writing.
• Under this Programme:

1. 50% discount on select 200+ products is applicable only on Min. trxn: Rs. 999.
2. Clubcard scan mandatory for availing discount
3. Offer valid till stock last
4. This Program is not applicable on Tata Corporate Card.

• 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.
• 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 under no circumstances shall be responsible towards the same.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable.
• 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 Delhii and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL
• SBICPSL and TATA reserve the right to modify or change any of the terms and conditions applicable to this Programme at any time
• Settlement of disputes: Terms and conditions set herein shall be governed by the laws of India only. All disputes arising under the offer shall be tried under the exclusive jurisdiction of the competent courts in Mumbai only.
• The Programme is for the consumption of individual retail consumers only.

Get upto 5.5% Value Back at any Star store

• This marketing programme (Programme) is from SBI CARDS AND PAYMENT SERVICES PRIVATE LIMITED (“SBICPSL”) under an arrangement with Tata Cards (“Merchant”) and is open to select residents of India holding a valid Tata Cards (“Cardholder”)
• The validity of the programme is from 01^st Jun’17 to 30^th Jun’17 (Both days included) unless extended by SBICPSL and Merchant by mutual consent in writing.
• Under this Programme:

1. Offer is valid at all Star Stores.
2. 5% Value Back would be awarded in subsequent month, 3.5% from Tata capital & 2% through Clubcard.
3. Minimum transaction amount is Rs.5000.
4. Points will be awarded in July 1st week and will be valid for 60 days from the date of awarding.
5. This Program is not applicable on Tata Corporate Card.

• 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.
• 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 under no circumstances shall be responsible towards the same.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable.
• 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 Delhii and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL
• SBICPSL and TATA reserve the right to modify or change any of the terms and conditions applicable to this Programme at any time
• Settlement of disputes: Terms and conditions set herein shall be governed by the laws of India only. All disputes arising under the offer shall be tried under the exclusive jurisdiction of the competent courts in Mumbai only.
• The Programme is for the consumption of individual retail consumers only.

• This offering is from SBI Cards and Payment Services Private Limited (“SBICPSL”) as a value added product offer for Tata Cardholders(“Cardholder”) as may be communicated by SBICPSL via banners on Tata Card’s website, i.e. tatacard.com.
• Only the applicants who have submitted their Tata Cards applications on Tata Card’s website, i.e. tatacard.com, by clicking on Tata Card’s promotional banners and those who have issued a Tata Cards and made the payment of annual fee will be eligible for this offer.
• All eligible Tata Cards applicants will get a one-time Book My Show E- voucher worth Rs.250 on applying for Tata Cards from Tata Card website: tatacard.com till 31st Dec’2017. Unless extended by SBICPSL. The voucher will be issued on successful final approval of the card and payment of the annual fee in the eligible year.
• For the purposes of this Offer, an eligible year is defined as the year in which the fee is paid for by the Cardholder. Example: In case a card account is opened on 1st January 2017, the period for the eligible year would be 1st January 2017 to 31st December 2017.
• E-voucher code will be communicated to eligible cardholders through SMS and/or email to registered mobile number and/or email address updated with SBICPSL.
• E-voucher code is valid till the date communicated on the SMS from date of issue to eligible cardholders by SBICPSL.
• E-Vouchers can be used only once within the validity period. Two e-vouchers cannot be used in one single transaction.
• If lost/misused, E-Voucher(s) cannot be replaced/refunded and cannot be revalued.
• E-Voucher code is valid for one time use only. E-Voucher Code not valid for multiple usages. E-Vouchers can be redeemed only once, and in one single order.
• SBICPSL will not be responsible non-delivery of SMSs, wrong email id/mobile number updation or incomplete email id/mobile number updation in the system etc. Email/SMS will be sent to the email id and mobile number as updated in SBICPSL’s system.
• SBICPSL will not be responsible for non-delivery of E-voucher code to redeem gift in case the mobile number is on DNCR as per regulation.
• Extension of codes will not be granted under any circumstance.
• All orders Subject to the Terms of Use & policies of BMS

Standard Terms & Conditions

• SBICPSL shall not be liable in any manner whatsoever or howsoever for any loss or damage or claims that may arise out of or otherwise howsoever from any refusal by vendor to honor this offer for any reason whatsoever.
• SBICPSL does not hold out any warranty or make any representation of the delivery, quality, merchantability, suitability etc., of the products and/or services offered by vendor and SBICPSL shall not entertain any correspondence in this regard.
• The products & services offered under this offer are at the sole responsibility of the participating Merchants and at their exclusive costs and consequences. SBICPSL does not endorse, nor recommends the quality, merchantability, fitness for a particular purpose(s), after sale services, warranties etc., of the products and/or services being made available under this offer.
• Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website are representative only and may not bear an exact resemblance to the actual products. SBICPSL shall under no circumstances be responsible towards the same.
• Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by the Vendor.
• All government levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
• Any person availing this offer shall be deemed to have accepted these Terms and Conditions
• Any query regarding the Offer or any matter related thereof will be entertained only till 45 days post the offer validity. SBICPSL will not entertain any correspondence or communication regarding this offer thereafter.
• Returned purchases/transactions, disputed and/or unauthorized/fraudulent transactions, EMI’s and fees/charges will not be considered for this offer.
• 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.
• 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 In case of any dispute, decision of SBICPSL shall be final and binding.
• If any term of this offer is held by a court of competent jurisdiction to be invalid or unenforceable, then this offer, including all of the remaining terms, will remain in full force and effect as if such invalid or unenforceable term had never been included.
• Cardholders are not bound in any way to participate in the Offer and any participation is purely voluntary.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at its sole discretion.

• This marketing programme (Programme) is from SBI CARDS AND PAYMENT SERVICES PRIVATE LIMITED (“SBICPSL”) and is open to select residents of India holding a valid Tata Cards (“Cardholder”)
• The validity of the programme is from 14th April’17 to 16th Apr’17 (Both days included) unless extended by SBICPSL and Merchant by mutual consent in writing.
• Under this Programme:

•Eligible customers will be sent a Code through SMS which they have to carry to the Star store and show it to the cashier before the billing. The offer is applicable ONLY if the customer purchases a minimum of Rs 1500 in a single bill
•This Code can be redeemed only once and only in a single transaction.
•Only a single code can be redeemed on one bill only. Two bills cannot be clubbed to avail for this offer.
•The code cannot be re-validated / used post the last date of redemption
•No cash/credit note/GV/ other mode of payment shall be issued in exchange of the offer
•Offer is subject to availability of stocks
•Customer redeeming this offer cannot avail for any other promotional offers in the same bill

• For any card related issue a Tata Cardholder has to write to SBI Card directly
• 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.
• 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 under no circumstances shall be responsible towards the same.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable.
• 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 Delhii and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL
• SBICPSL and Merchant reserve the right to modify or change any of the terms and conditions applicable to this Programme at any time
• Settlement of disputes: Terms and conditions set herein shall be governed by the laws of India only. All disputes arising under the offer shall be tried under the exclusive jurisdiction of the competent courts in Mumbai only.
• The Programme is for the consumption of individual retail consumers only.

• Lower Rate of interest at 7.5% flat p.a
• 100% Processing fee waiver for bookings >=50k

1. This offer is on Flexipay facility and is open only to those Tata 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 1stApr 2017 and 30th Jun 2017 -both days inclusive (“Term”).

5. Flexipay bookings made under 3, 6, 9, 12, 24 & 36 months tenure will attract an interest rate of 7.5% flat p.a.(corresponding reducing rate for all tenures 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 100% processing fee waiver for Flexipay bookings greater than or equal to Rs. 50,000/- during the offer “Term” for all tenures.

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 transactions 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 Tata 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 1st Apr 2017 to 30th Jun 2017 (“Term”). Any bookings made after 30th Jun 2017 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 Tata 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/-. Minimum amount eligibility for 36 months tenure may be changed by SBICPSL at its sole option and discretion.

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

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 Tata cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the Tata 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 Tata Card. No request from Add on Tata 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 Tata 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 Tata Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee + GST. The Credit limit gets adjusted as and when the Flexipay installment payments are made by the Tata cardholder.

21. A Tata cardholder can take multiple Flexipay subject to the available credit limit on his Tata Card account. In case customer has opted for an auto debit facility on account, he should convert the eligible transactions into Flexipay before the billing cycle

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 Aug 2017.

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. Tata 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. Applicable taxes calculated @ 15% of interest component (includes Service tax @ 14%, Swachh Bharat Cess @ 0.5% and Krishi Kalyan Cess @ 0.5%).

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

#Applicable taxes calculated @ 15% of interest component (includes Service tax @ 14%, Swachh Bharat Cess @ 0.5% and Krishi Kalyan Cess @ 0.5%).

• Lower rate of interest at 13% flat p.a + 100% Processing fee waiver (6, 9 & 12 month tenure)
• Lower rate of interest at 12% flat p.a + 100% Processing fee waiver (24 & 36 month tenure)

1. This offer is on Flexipay facility and is open only to those Tata 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 1st Apr 2017 and 30th Jun 2017 -both days inclusive (“Term”).

5. Any booking under this offer will attract an interest rate of 13% flat p.a. for 6, 9 & 12 month tenure (corresponding reducing rates for various tenures are mentioned in clause 12) & 12% flat p.a. for 24 & 36 month tenure 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” for all tenures .

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 transactions 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 Tata 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 1st Apr 2017 to 30th Jun 2017 (“Term”). Any bookings made after 30th Jun 2017 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 Tata 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/-. Minimum amount eligibility for 36 months tenure may be changed by SBICPSL at its sole option and discretion

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

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 Tata cardholders has made multiple retail purchase transactions, each one of them more than Rs. 2500/-, then the Tata 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 Tata Cards. No request from Add on Tata 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 Tata 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 Tata Cardholder credit limit shall be blocked upto Flexipay Principal Amount + Processing Fee + GST. The Credit limit gets adjusted as and when the Flexipay installment payments are made by theTata cardholder.

21. A Tata cardholder can take multiple Flexipay subject to the available credit limit on his Tata Cards account. In case customer has opted for an auto debit facility on account, he should convert the eligible transactions into Flexipay before the billing cycle

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 Aug 2017.

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. Tata 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. Applicable taxes calculated @ 15% of interest component (includes Service tax @ 14%, Swachh Bharat Cess @ 0.5% and Krishi Kalyan Cess @ 0.5%).

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:

#Applicable taxes calculated @ 15% of interest component (includes Service tax @ 14%, Swachh Bharat Cess @ 0.5% and Krishi Kalyan Cess @ 0.5%).

• The “Cash Withdrawal” offer (hereinafter “ Offer”) is made open to a select category of Tata 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.
• The Offer is valid from 27th Jan’17 to 10th April’17. Both dates inclusive (hereinafter “Term”)
• 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.
• 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:

1. If you withdraw on 27th Jan’17, you will be charged 0% p.m. for 74 days till 10th Apr’17
2. If you again withdraw on 1st Mar’17, you will be charged 0% p.m. for 41 days till 10th Apr’17

• 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.
• 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 Tata 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.
• 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.
• 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.
• Existence of a dispute shall not constitute a claim against SBICPSL.

• The “Cash Withdrawal” offer (hereinafter “ Offer”) is made open to a select category of Tata 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.
• The Offer is valid from 27th Jan’ to 25th Apr’17. Both dates inclusive (hereinafter “Term”)
• 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.
• 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:

1. If you withdraw on 27th Jan’17, you will be charged 0% p.m. for 89 days till 25th Apr’17
2. If you again withdraw on 1st Mar’17, you will be charged 0% p.m. for 56 days till 25th Apr’17

• 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.
• 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 Tata 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.
• 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.
• 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.
• Existence of a dispute shall not constitute a claim against SBICPSL.

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd.(SBICPSL) under an arrangement with Infiniti Retail Ltd., (“Merchant”) and is open to all residents of India holding a valid and current Tata Card (“Cardholder”) and to whom a communication is sent either by SBICPSL or Merchant.
2. The Validity of the Program is from 04 July 2016 to 22 Jul 2016 (Both days included), unless extended by SBICPSL & Merchant.
3. Under this program:
   • Cardholder can avail 5% Cashback + 7.5% additional discount on all purchases of IPad at Croma Stores & Cromaretail.com using Tata Cards.
   • Min Transaction of Rs. 20,000 or greater
   • Max cashback capped to Rs 2500 per card account for the program period
   • Cashback also applicable on Emi transactions. 14% Rate of interest applicable on monthly reducing balance on 3,6,9 & 12 month EMI transactions.
4. This Program is not applicable on Tata Corporate Card.
5. Valid on all active lines of iPads in Croma store (iPad pro, mini 2 , Air 2 , mini 4)
6. Subject to other terms and conditions, a Cardholder can avail the benefits of this Program on maximum of 2 iPads
7. Cashback will be credited to the card account by 08 Sep 2016.
8. Get 1.5 Reward Points for every Rs.100 spent on Titanium Card and 2 Reward Points for every Rs.100 spent on Platinum Card under the Tata group employees program
9. Any query/dispute regarding the Cashback will be entertained till 08 Oct 2016. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Programme from any cardholder.
10. SBICPSL along with its direct affiliate(s)/merchants is alone responsible for resolving all disputes and differences in relation to this Program.
11. SBICPSL do 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. Offer is subject to availability of products and available at the sole discretion of Infiniti Retail Ltd.
16. 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.
17. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant
18. 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.
19. 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 New Delhi for SBICPSL and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL.
20. 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”.
21. 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.
22. Note: Croma is a participating company as per the commercial between SBICPSL and Infiniti Retail Ltd.

Agoda

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 Tata card which (a) bears the Tata Card and/or Tata Card name and logo on the face of the card and/or (b) refers to a member of the Tata Card as an issuer or a participant partner on the card, including for the avoidance of doubt any co-branded/affinity card issued by any members of Tata Card. Cardholders must settle payment with their 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 landing page only at following URL: www.agoda.com/tatacard
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 Agoda shall be final.
6. The Promotion discount is applicable to hotel room charges only (excluding local taxes, service fees, extra charges, personal consumptions and the like).
7. Tata cards 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 SBICPSL and the cardholder (payment facility, etc.), which is at the Tata cards sole discretion and for which the Tata cards is solely responsible and liable.
9. The Promotion discount will only be displayed on the booking form after entering a valid promo code issued by Tata cards.
10. Booking Period: till 31st December, 2016
11. Valid for Stay till 31st January,2017

BigBasket

1. Minimum Transaction value Rs.1000
2. Maximum Discount Rs.250
3. Offer valid till 31/12/2016
4. Offer valid only once during the offer period
5. Offer valid only on Tata Credit Card holders
6. bigbasket has the right to cancel orders of a fraudulent nature

Cleartrip.com

What exactly is the offer?

1. Activities:

   Get Rs.500 off on Activities of Rs.1,500 or more, booked using Cleartrip Mobile App.

2. Domestic Roundtrip Flights:

   - Get Rs.1,000 off on Domestic Roundtrip Flights, booked for 3 or more passengers using Cleartrip Mobile App.
   - Get Rs.500 off on Domestic Roundtrip Flights booked for 1 or 2 passengers using Cleartrip Mobile App.

3. International Roundtrip Flights:

   Get Rs.1,000 off on International Roundtrip Flights booked using Cleartrip Mobile App.

4. Domestic Hotels:

   Get Rs.1,000 off on Domestic Hotels of Rs.5000 or more, booked using Cleartrip Mobile App.

5. International Hotels:

   Get Rs.1,000 off on International Hotels of Rs.5000 or more, booked using Cleartrip Mobile App.

How to avail the offer?

1. Download the Cleartrip Mobile App available for iOS on App Store, for Android on Google Play Store & for Windows on the Windows Store. You can also give a missed call on 88808-40088 to get a free app download link via sms.
2. Book any Domestic / International Roundtrip Flight or Domestic/ International Hotel using the Cleartrip Mobile App
3. Simply enter coupon code SBICT3000 before making payment using your Tata Credit Card.
4. Valid for transactions made between 30 April 2016 to 31 December 2016. Dates of Travel are completely open

Croma.com

1. The offer is applicable only for transactions on croma.com
2. Offer cannot be combined with any other offer available on croma.com
3. Valid till 31st Dec 2016

FirstCry.com

1. Tata credit card Customers will get 20% OFF on the Order.
2. Coupon can be used only once per user and cannot be clubbed with any other coupon code.
3. Not valid on Super Savers, Combos, Formula and Supplements, Bottles & Accessories, Gifts & Certificates.
4. Max Discount Rs 500
5. Limited Period Offer

Lenskart

1. This offer cannot be clubbed with any other offer or schemes.
2. This offer can be used only once by one user.
3. Code needs to be applied in Gift voucher column
4. Lenskart reserves the right to modify/remove any offer without prior notice to customers.
5. Lenskart reserves the right to cancel any order if it fails the above mentioned criteria without prior notice to customers.
6. Payment to be made through Tata Credit card for availing the offer.

Luxehues

1. Participation in the Offer by the Tata Credit Cards customer/s is on a voluntary basis.
2. The Tata Credit Cards customer/s may avail the Offer during the Offer Period
3. This Offer cannot be clubbed with any other Offer that may be made available to the Tata Credit Cards customer/s by the Alliance Partner.
4. The Offer is non-transferable, non-binding and non-encashable.
5. The Offer is not valid for Void Transactions
6. All matters of dispute will be a subject to final decision of luxehues.com
7. Luxehues.com reserves the right to amend these terms and conditions and may extend or withdraw the contest without any prior notice

Myntra

1. This offer is not valid on Cash on Delivery orders.
2. This offer is not valid at any of the alliance partner retail outlets/stores.
3. This offer may not be applicable on select styles. Please search for shopping-offer16 on the Application for the list of eligible products.
4. The maximum possible discount, using this offer, on any item cannot exceed 45% of the MRP.
5. This offer cannot be combined with any other offers on the Company application.
6. Multiple coupons cannot be clubbed in a single order.
7. The balance amount, after the discount has been availed, will have to be paid by the customer at the time of purchase
8. In no case, whatsoever, can the discount amount be refunded, encashed or partly encashed.
9. Customer will not be eligible for My Privilege Points for the discount availed using the coupon/voucher.
10. Myntra's Return and Exchange Policy offers you the option to return or exchange items purchased on Myntra's application within 30 days of the receipt. In case of return of the purchased item, please refer to the “Return Policy” on our website/ app or write to returns@myntra.com.
11. All orders would be subject to availability at the time of purchase and will be governed by the standard terms and conditions on Company's application.
12. All disputes arising out of or in connection to this scheme are subject to exclusive jurisdiction of the courts in Bangalore only.
13. Disclaimers: Company is not responsible for any typographical error leading to an invalid coupon
14. Payment shall be made by Tata Credit Card for availing this offer.

Netmeds.com

1. No minimum order value required.
2. Coupon valid till 22-Jan-2017.
3. Coupon valid only on medicines.

Printland

1. Offer valid only on www.printland.in
2. Exclusive Offers For Tata Credit Card Customers.
3. Validity as per the requirement
4. Not applicable on Pen, Pen Drive ,Power Bank, Gold and Silver products
5. This offer cannot be clubbed with any other offer running on the site www.printland.in.
6. All refunds and returns as per Printland.in policy.
7. Standard shipping will be applicable.
8. In case of any query please contact us on – 9212319090 and write us – contactus@printland.in

Shopclues

Offer Description: Rs 300 off on a minimum spend of Rs 1199.
Terms and Conditions:

1. The minimum purchase amount should be 1199 to avail the offer.
2. The maximum discount that can be availed per order is 300.
3. This offer is valid till Dec 31, 2016.
4. The above offer is available on website and the mobile app.
5. Offer valid once per registered user.
6. The offer is applicable on all categories except storage devices, coins, bars and precious jewelry.
7. This offer cannot be combined with any other promotion/o¬ffer running on the website.
8. Shipping will be charged wherever applicable.
9. Payment shall be made by Tata Credit Card for availing this offer.

Titan

1. Coupon code: TISBIC
2. Offer: 10% instant discount on cart value more than or equal to Rs 2000, discount limited to Rs 1000.
3. Coupon Code can be availed just once per user by applying the coupon code on the cart page
4. Offer applicable only on our website and m-site Titan.co.in
5. Not applicable on Gold Coins, Gold Jewellery, Gift Cards and Gift Vouchers.
6. Payment shall be made by Tata Credit Card for availing this offer.
7. Offer validity: 1st May 2016 to 31st Dec 2016

Velvetcase.com

1. Programme Period – Valid Till 31st December 2016
2. OFFER: 5% OFF (using : code VCSBI05) on purchases, not including coins, notes, and gift cards, made by Tata Credit Card at the Merchant outlet.
3. No minimum purchase required.

Zoomcar

1. Programme Period – May 1, 2016 to December31, 2016.
2. Promocode to be given to the Tata Credit Cardholders: ALSBIWK.
3. OFFER: 20% OFF on bookings made by Tata Credit Card at the Merchant platform
4. Applicable on bookings done for Monday to Thursday. Maximum Discount of Rs 2500/-
5. Minimum billing duration is for 4 hours. All bookings done for a duration of 1 to 3 hours will be billed at an applicable rate of 4 hours.
6. A fully refundable security deposit of Rs. 5000 will be charged at time of booking.
7. Discount applicable only on original reservation charges (not applicable on excess Km, late return fee, or other fees/charges).
8. Offer not applicable on blackout days as listed here : http://www.zoomcar.com/holidays.
9. All the policies applicable to the Customers of Merchant in the open market shall equally apply to the Tata Credit Cardholders under this Programme.

• The TATA Cards “Refer a friend” Rewards Program allows TATA Cardholder to earn & redeem reward points or Gifts Vouchers.
• 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.
• The bonus transfer details to the TATA Cardholder:
  • If Referred cardholder is given a Platinum card 375 bonus point worth cash value of about Rs.375/-
  • If Referred cardholder is given a Titanium card 250 bonus point worth cash value of about Rs.250/-
• The cardholder can redeem the earned Reward Points by calling the SBI Card helpline 39023456 (Prefix local STD code ) or 18001808282 (if calling from BSNL/MTNL line)
• The TATA Card must not be overdue, suspended, blocked, canceled or terminated by SBICPSL at the time of redemption request.
• The points accrued can only be redeemed by the primary cardholder and not by an Additional Cardholder.
• Validity of Gift Vouchers will be for 6 months from the month of issuance to Cardholder.
• The points will be credited to the cardholder post 60 days of the date of card issue to the referred cardholder.
• BONUS reward points are given only to the Cardholders who are eligible as part of this Programme on their TATA Credit Card. All decisions of SBICPSL about eligibility of cardholders for benefits under this Programme are final, absolute and binding on all Cardholders.
• Cardholder to ensure and update latest mobile number and registered e-mail ID to receive periodic communication related to this offer.
• 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.
• Any other T&Cs applicable for the process of the redemption of reward will apply here. Please visit the www.tatacard.com for details of terms and condition for Reward points redemption. Standard Terms & Conditions
• Any person availing this offer shall be deemed to have accepted these Terms and Conditions
• 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.
• 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
• In case of any dispute, decision of SBI Card will be final and binding.
• If any term of this offer is held by a court of competent jurisdiction to be invalid or unenforceable, then this offer, including all of the remaining terms, will remain in full force and effect as if such invalid or unenforceable term had never been included.
• Cardholders are not bound in any way to participate in the Offer. Any such participation is voluntary and the same is being made available purely on a 'best effort basis'.
• SBICPSL reserves the right to modify or change any of the terms and conditions applicable to the Offer at any time its sole discretion with/without prior notice.
• 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.

Terms & Conditions

• The TATA Card Offer("Offer") from SBI Cards & Payment Services Private Ltd. ("SBICPSL") is open to select residents of India holding a valid and current TATA 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 TATA Cards. The offer does not include Fuel, ATM Cash Withdrawal, Balance Transfer, Encash and Easy Money draft (EMD) products for TATA 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 TATA Card. Decision of SBICPSL about eligibility of cardholders is final and binding
• Cash Back will be credited to the TATA 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.

Terms & Conditions

• The TATA Card Offer(“Offer”) from SBI Cards & Payment Services Private Ltd. (“SBICPSL”) is open to select residents of India holding a valid and current TATA 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 TATA Cards. The offer does not include Fuel, ATM Cash Withdrawal, Balance Transfer, Encash and Easy Money draft (EMD) products for TATA 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 TATA Card. Decision of SBICPSL about eligibility of cardholders is final and binding
• Cash Back will be credited to the TATA 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.

Merchant EMI (Convert2EMI) Terms & Conditions

Activation Offer E-Voucher terms and conditions – Pepperfry

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Pepperfry 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. This offer shall be valid till 31st March 2016 (‘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. 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 Pepperfry and SBICPSL.
7. Under this program,, Tata Cardholders get a flat Rs. 300 discount on a minimum purchase of Rs. 1,200 & above from Pepperfry on the total purchase value on the first transaction made on Pepperfry by the customer on the Website www.pepperfry.com(“Website”) ”Offer”/”Programme”). The Cardholder need to enter the Coupon code: SBI300 SBICPSL except the items listed on Pepperfry’s deal properties.
8. Offer is applicable on select products and brands
9. This program is applicable on the products under "Furniture", "Home Décor", “Furnishings”, “Lamps & Lightings” categories.
10. Tata Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at http://www.pepperfry.com/sbi.html , using the coupon code “SBI300” .All Tata Cardholders must therefore visit the Pepperfry Website and use their Tata Card while making the payment.
11. Tata Cardholders should contact Pepperfry directly in case of any difficulty or queries in relation to the use of the Pepperfry Website and/or redemption of the E-Vouchers.
12. 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.
13. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Pepperfry (as modified by Pepperfry from time to time) and it is the sole responsibility of the Tata Cardholder to check and comply with these terms and conditions.
14. Tata Cardholders should check with Pepperfry directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.
15. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www.Pepperfry.com against the e-voucher.
16. Every Tata Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this Pepperfry Voucher Offer General Terms and Conditions of Promotion.
17. 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 – 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 and current 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. This offer shall be valid till 31st March 2016 (‘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. Under this program,, Tata Cardholders get a 30% discount on a minimum purchase of Rs.999 & above from Jabong on the total purchase value on the first transaction made on Jabong by the customer on the Website Jabong(“Website”) ”Offer”/”Programme”). The Cardholder need to enter the Coupon code: SBIJAB300 . Maximum amount of discount is capped at 35% of the amount of transaction per transaction on Tata Credit Card including all the add-on cards.
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 www.jabong.com/sbi, using the coupon code “SBIJAB300” .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 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 March 2016 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 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 – Lenskart

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Lenskart 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 shall be valid till 31st March 2016(‘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 Lenskart and SBICPSL.
7. Under this program,, Tata Cardholders get a 35% discount on a minimum purchase of Rs. 1500 & above on Eyeglasses from Lenskart on the total purchase value on the first transaction made on Lenskart by the customer on the Website Lenskart(“Website”) ”Offer”/”Programme”). The Cardholder need to enter the Coupon code: SBILK525 SBICPSL except the items listed on Lenskart’s deal properties.
8. Offer is applicable on select products and brands.
9. The offer is not valid on the following brands: John Jacobs, Ray-Ban, Oakley, Vogue, Fastrack, FCUK, Carrera, Boss Orange, Marc By Marc Jacobs, Polaroid, Vintage, Tommy Hilfiger, IDEE, Gunnar, Chhota Bheem, Tag Heuer, Killer, Lee Cooper, iConnect, Cooper Vision, Lens Solution, emporio-armani, oxydo, calvin-klein, parim Arnette, MAUI JIM, timberland, mexican, panache .
10. Tata Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at www.lenskart.com/sbi , using the coupon code “SBILK525” .All Tata Cardholders must therefore visit the Lenskart Website and use their Tata Card while making the payment.
11. Tata Cardholders should contact Lenskart directly in case of any difficulty or queries in relation to the use of the Lenskart Website and/or redemption of the E-Vouchers.
12. E-Vouchers can only be redeemed/ used within the validity period i.e until 31st March 2016as notified to the Tata Cardholder via the email/SMS.
13. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Lenskart (as modified by Lenskart from time to time) and it is the sole responsibility of the Tata Cardholder to check and comply with these terms and conditions.
14. Tata Cardholders should check with Lenskart directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.
15. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www.Lenskart.com against the e-voucher.
16. Every Tata Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this Lenskart Voucher Offer General Terms and Conditions of Promotion.
17. 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 – Agoda

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Agoda.com 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. This offer shall be valid till 31st March 2016(‘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 Agoda.com and SBICPSL.
7. Under this program,, Tata Cardholders get 10% off on worldwide hotel bookings on using their Tata Card on the Website Agoda.com (“Website”) ”Offer”/”Programme”). The Cardholder need to enter the unique Coupon code sent to them through SMS and email.
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 www.agoda.com, using the coupon code communicated to them through SMS and Email. All Tata Cardholders must therefore visit the Agoda Website and use their Tata Card while making the payment.
10. Tata Cardholders should contact Agoda directly in case of any difficulty or queries in relation to the use of the Agoda Website and/or redemption of the E-Vouchers.
11. E-Vouchers can only be redeemed/used within the validity period i.e until 31st March 2016as 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 Agoda (as modified by Agoda 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 Agoda 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.Agoda.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 Agoda 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 – Shopclues

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Shopclues 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. This offer shall be valid till 31st March 2016(‘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 Shopclues and SBICPSL.
7. Under this program, Tata Cardholders get a flat Rs. 250 off on a minimum purchase of Rs. 1250 from Shopclues on the total purchase value on the first transaction made on Shopclues by the customer on the Website Shopclues (“Website”) ”Offer”/”Programme”). The Cardholder need to enter the Coupon code: SBISC250 SBICPSL except the items listed on Shopclues deal properties.
8. Offer is applicable on select products and brands. The offer is valid on Categories-“Fashion”,” Footwear”, ”Jewelry &Watches” ,”Home &Kitchen” ,”Beauty &Perfumes” ,”Sports & Outdoors” ,”Toys &Baby care ”,”Books& Stationery”, ”Automotive ”,”Gifts & Flowers ”,”Everything else”.
9. The offer is not valid on Categories-“Mobile&Tablets”,”Computer”,”Electronics”,”Home-appliances”.
10. Tata Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at www.Shopclues.com, using the coupon code “SBISC250” on a minimum purchase of Rs.1250.All Tata Cardholders must therefore visit the Shopclues Website and use their Tata Card while making the payment.
11. Tata Cardholders should contact Shopclues directly in case of any difficulty or queries in relation to the use of the Shopclues Website and/or redemption of the E-Vouchers.
12. E-Vouchers can only be redeemed/used within the validity period i.e until 31st March 2016as notified to the Tata Cardholder via the email/SMS.
13. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Shopclues (as modified by Shopclues from time to time) and it is the sole responsibility of the Tata Cardholder to check and comply with these terms and conditions.
14. Tata Cardholders should check with Shopclues directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.
15. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www.Shopclues.com against the e-voucher.
16. Every Tata Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this Shopclues Voucher Offer General Terms and Conditions of Promotion.
17. 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 marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Ebay 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. This offer shall be valid till 31st March 2016(‘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. Under this program, Tata Credit Cardholders to get a flat Rs. 100 off on a minimum purchase of Rs. 300 from eBay made on eBay by the customer on the Website www.ebay.in (“Website”) on the customer’s first eBay transaction. The Cardholder need to enter the unique Coupon code distributed by Tata Cards.The program is not valid on items listed on eBay deal/Handpicked properties.
8. Offer is valid on certain Brands/Products.
9. Tata Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at www.ebay.in/sbi , using the coupon code on a minimum purchase of Rs.300.All Tata Cardholders must therefore visit the Ebay Website and use their Tata Card while making the payment.
10. Tata 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 March 2016as 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 Ebay (as modified by Ebay 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 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 Tata 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 – Homeshop18

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Homeshop18 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. This offer shall be valid till 31st March 2016(‘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 Homeshop18 and SBICPSL.
7. Under this program, Tata Cardholders get 10% off on a minimum purchase of Rs. 1000 &above from HS18 on the total purchase value on the first transaction made on HS18 by the customer on the Website www.homeshop18.com (“Website”)”Offer”/”Programme”). The Cardholder need to enter the Coupon code: SBIHS18 SBICPSL except the items listed on HS18 deal properties.
8. Offer is valid on certain Brands/Products.
9. The offer is not valid on categories mobiles & electronic products
10. Maximum discount is capped at Rs. 500 per transaction on Tata Credit Card including all the add-on cards.
11. Tata Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at www.homeshop18.com, using the coupon code “SBIHS18”.All Tata Cardholders must therefore visit the Homeshop18 Website and use their Tata Card while making the payment.
12. Tata Cardholders should contact Homeshop18 directly in case of any difficulty or queries in relation to the use of the Homeshop18 Website and/or redemption of the E-Vouchers.
13. E-Vouchers can only be redeemed/ used within the validity period i.e. until 31st March 2016as notified to the Tata Cardholder via the email/SMS.
14. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Homeshop18 (as modified by Homeshop18 from time to time) and it is the sole responsibility of the Tata Cardholder to check and comply with these terms and conditions.
15. Tata Cardholders should check with Homeshop18 directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.
16. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www.Homeshop18.com against the e-voucher.
17. Every Tata Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this Homeshop18 Voucher Offer General Terms and Conditions of Promotion.
18. 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 marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Myntra 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. This offer shall be valid till 31st March 2016 (‘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. Under this program, Tata Cardholders get 28% off on a minimum purchase of Rs. 1499 &above from Myntra on the total purchase value on the first transaction made on Myntra by the customer on the Website http://bit.ly/1CoXo5g (“Website”)”Offer”/”Programme”). The Cardholder need to enter the Coupon code: MYSBI28 SBICPSL except the items listed on Myntra deal properties.
8. Offer is valid on the Myntra Mobile App.
9. Offer is valid on certain Brands/Products.
10. Tata Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at http://bit.ly/1CoXo5g , using the coupon code MYSBI28”.All Tata Cardholders must therefore visit the Myntra Website and use their Tata Card while making the payment.
11. Tata 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.
12. E-Vouchers can only be redeemed/ used within the validity period i.e. until 31st March 2016 as notified to the Tata Cardholder via the email/SMS.
13. 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 Tata Cardholder to check and comply with these terms and conditions.
14. Tata Cardholders should check with Myntra directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.
15. 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.
16. Every Tata 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.
17. 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 – Cleartrip

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Cleartrip 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. This offer shall be valid till 31st March 2016 (‘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 Cleartrip and SBICPSL.
7. Under this program, Tata Cardholders get upto Rs.3000 instant cashback on Domestic/International Flights & Hotels booked with Tata Credit Card on Cleartrip Mobile App on the total purchase value on the first transaction made on Cleartrip App by the customer on the http://www.cleartrip.com/offers/india/sbi-cc (“Website”)”Offer”/”Programme”). The Cardholder need to enter the Coupon code: SBICT3000 SBICPSL except the items listed on Cleartrip deal properties.
8. Offer is valid on certain Brands/Products/services.
9. The offer construct is as follows:
   • Domestic Roundtrip Flights:
     Get Rs.500 instant cashback on Domestic Roundtrip Flights booked for 1 or 2 passengers using Cleartrip Mobile App.
     Get Rs.1000 instant cashback on Domestic Roundtrip Flights booked for 3 or more passengers using Cleartrip Mobile App.
   • International Roundtrip Flights:
     Get Rs.1000 instant cashback on International Roundtrip Flights booked using Cleartrip Mobile App.
   • Domestic Hotels:
     Get Rs.1000 instant cashback on Domestic Hotels of Rs.5000 or more, booked using Cleartrip Mobile App.
   • International Hotels:
     Get Rs.1000 instant cashback on International Hotels of Rs.5000 or more, booked using Cleartrip Mobile App.
10. Offer is valid only on Cleartrip Mobile App.
11. Valid for transactions made between 20 July 2015 to 31 March 2016. Dates of Travel are completely open.
12. Offer is valid on all Domestic/International Roundtrip Flights & Hotels available on Cleartrip Mobile App.
13. Offer not valid for transactions made on IVR/Phone with Cleartrip Customer Care.
14. You can avail the offer only once on Domestic Flights, once on International Flights & once on Domestic Hotels. If you transact more than once using the same card, your booking will be confimed but you will not get any cashback on your 2nd Domestic Flight transaction or your 2nd International Flight transaction or your 2nd Domestic Hotel transaction.
15. The cashback offer is valid per transaction. In case you book more than 1 passenger/ ticket/ segment/ room/ night/ room night in a single transaction, you will still receive cashback on per transaction basis only.
16. In case you cancel the transaction (in part or full) the entire cashback availed for the said transaction will be deducted from the refund amount.
17. Valid on Adult & Child bookings only. Not valid for Infants.
18. Flight & Hotel bookings are subject to availability.
19. Tata Cardholders who have qualified to receive the E-Vouchers under the Promotion can redeem online at mobile app- http://www.cleartrip.com/offers/india/sbi-cc , using the coupon code “SBICT3000”.All Tata Cardholders must therefore visit Cleartrip and use their Tata Card while making the payment.
20. Tata Cardholders should contact Cleartrip directly in case of any difficulty or queries in relation to the use of the Cleartrip Website and/or redemption of the E-Vouchers.
21. E-Vouchers can only be redeemed/ used within the validity period i.e. until 31st March 2016 as notified to the Tata Cardholder via the email/SMS.
22. Usage of E-Vouchers shall be subject to terms and conditions that may be imposed by Cleartrip (as modified by Cleartrip from time to time) and it is the sole responsibility of the Tata Cardholder to check and comply with these terms and conditions.
23. Tata Cardholders should check with Cleartrip directly in case of any queries in relation to availability goods & services being purchased using their E-Vouchers.
24. SBICPSL shall have no responsibility and liability towards availability, quality, standards and delivery of the goods purchased on www.Cleartrip.com against the e-voucher.
25. Every Tata Cardholder who takes part in the Promotion is bound by the terms and conditions stated in this Cleartrip Voucher Offer General Terms and Conditions of Promotion.
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.

Activation Offer E-Voucher terms and conditions – Grofers

1. This marketing program (“Program”) is from SBI Card & Payment Services Private Ltd. (“SBICPSL”) under an arrangement with Grofers (“Merchant”) and is 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 and/or Merchant.
2. The Validity of the Program (“Term”) is from 26th November, 2015 –31st March, 2016 (Both days included), unless extended by SBICPSL and Merchant.
3. Under this program:
   • Cardholder can avail a discount of 15% on first time use of Grofers app using promocode : GSBI20
   • Maximum discount is of Rs 125
   • Minimum purchase of Rs 500
4. This Programme is not applicable on Tata Corporate Card
5. The offer is applicable only for cardholders using the Grofers app for the first time. Customers who have used the app earlier, using any other payment method will not be able to avail the offer.
6. There will be an upfront discount on the bill.
7. Discount needs to be availed by using the corresponding promocode
8. Any query regarding the cash back will be entertained till 30th April’. Post such date; SBICPSL will not entertain any correspondence or communication regarding this Programme from any cardholder.
9. 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.
10. 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.
11. 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.
12. 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.
13. 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.
14. Under no circumstance will the offer/discount being offered under this Program be settled with cash in lieu by SBICPSL or by Merchant
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 anyway to participate in the Programs. Any such participation is voluntary and the same is being made purely on a “best effort basis”.
18. 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.

Other T & Cs

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 reserves 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.