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PB Credit card exclusive offers Terms of use

Paisabazaar Cashback Offer Terms and Conditions for Credit Card

1. What is the Offer?

As a part of the offer, customers/users (“Customer”) need to apply for an eligible credit card of banking partners and NBFCs on www.Paisabazaar.com and/or mobile app (collectively “Platform”) on applying through Paisabazaar Platform or communication sent by Paisabazaar owned channels. The eligibility of such credit cards shall be as notified to you by appropriate Paisabazaar owned channels, including but not limited to WhatsApp (“Eligible Credit Card”). Once the Eligible Credit Card is issued by banking/non-banking partners of Paisabazaar, the Customer will be entitled to receive cashback credited to their Paisabazaar Wallet upon successful issuance of the Eligible Credit Card, subject to the terms set out in Section herein.

2. How and when will the Customers be eligible for this Cashback Offer?

Subject to the terms and conditions set out herein, Customers who apply for an Eligible Credit Card on the Platform on or after 24th December 2025 and whose credit card is successfully issued by the banking partner shall be Eligible Customer and is eligible to receive cashback credited directly to their Paisabazaar Wallet (“Cashback Offer”). The Cashback Offer is subject to the tranche structure and eligibility conditions detailed below.

2A. Cashback Tranche Structure

(i) Applications started on or after 24th December 2025 and up to and including 31st March 2026:
Eligible Customers will receive a total cashback of ₹500 (Rupees Five Hundred only), disbursed in two tranches:
a) Tranche 1: ₹250 credited to the Customer’s Paisabazaar Wallet upon Paisabazaar receiving confirmation of successful credit card issuance from the banking partner.
b) Tranche 2: ₹250 credited to the Customer’s Paisabazaar Wallet 1 (one) calendar month after the credit of Tranche 1.

(ii) Applications started on or after 1st April 2026:
Eligible Customers will receive a total cashback of ₹200 (Rupees Two Hundred only), disbursed in four tranches:
a) Tranche 1: ₹50 credited to the Customer’s Paisabazaar Wallet upon Paisabazaar receiving confirmation of successful credit card issuance from the banking partner.
b) Tranche 2: ₹50 credited to the Customer’s Paisabazaar Wallet 1 (one) calendar month after the credit of Tranche 1.
c) Tranche 3: ₹50 credited to the Customer’s Paisabazaar Wallet 1 (one) calendar month after the credit of Tranche 2.
d) Tranche 4: ₹50 credited to the Customer’s Paisabazaar Wallet 1 (one) calendar month after the credit of Tranche 3.

2B. Exclusion — Secured Credit Cards

The Cashback Offer shall not be applicable on Secured Credit Cards where the application has been started on or after 7th January 2026 and up to and including 31st March 2026. Customers who applied for a Secured Credit Card prior to 7th January 2026 shall continue to be governed by the terms applicable at the time of their application start date, subject to all other eligibility conditions being met. With effect from 1st April 2026, Secured Credit Cards shall be reinstated under the Cashback Offer, and Customers whose application for a Secured Credit Card is started on or after 1st April 2026 shall be eligible to receive cashback of ₹200 (Rupees Two Hundred only) in four tranches as set out in Section 2A(ii) above, subject to all other eligibility conditions being met.

2C. Cashback Eligibility Conditions

1. The Cashback Offer is applicable only where the credit card application has been initiated by the Customer on the Platform on or after 24th December 2025. The applicable cashback value and tranche structure shall be determined basis the application start date.
2. The trigger event for Tranche 1 disbursement shall be Paisabazaar’s receipt of confirmation of successful credit card issuance from the banking partner. Subsequent tranches shall be credited as per the schedule set out in Section 2A above.
3. Each Customer is eligible for cashback on a per-card basis, subject to Paisabazaar’s determination of eligibility at its sole discretion.
4. Paisabazaar reserves the right to withhold, reverse, or forfeit cashback in cases of suspected fraud, misrepresentation, or violation of any applicable terms and conditions.

2D. Paisabazaar Wallet — Cashback Validity and Usage

1. All cashback amounts shall be credited to the Customer’s Paisabazaar Wallet.
2. Each cashback tranche, once credited to the Paisabazaar Wallet, shall be valid for a period of 1 (one) year from the date of credit of that respective tranche. Any unclaimed or unused cashback tranche shall automatically expire upon completion of such 1-year period and shall not be reinstated or carried forward under any circumstances.
3. The Paisabazaar Wallet and its usage shall be governed by the applicable Wallet Terms and Conditions as published on the Platform, as amended from time to time.
4. Cashback credited to the Paisabazaar Wallet is non-transferable and cannot be redeemed for cash.

2E. General Conditions — Cashback Offer

1. The Cashback Offer is not guaranteed and is subject to availability and Paisabazaar’s sole discretion.
2. Paisabazaar does not guarantee the issuance of any credit card. The decision of the card-issuing bank or NBFC shall be final and binding with respect to card issuance.
3. Paisabazaar reserves the right to modify, suspend, withdraw, or terminate the Cashback Offer at any time without prior notice. Any such modification shall be effective from the date of publication on the Platform.
4. The Cashback Offer cannot be combined or clubbed with any other ongoing offer unless explicitly stated by Paisabazaar.
5. Any tax or other liabilities or charges payable to the government or any statutory authority arising out of the receipt of cashback shall be to the sole responsibility of the Customer.
6. This Cashback Offer is exclusively for end Customers and is not available to employees of Paisabazaar.com or any of its group companies.

PRELIMINARY TERMS & CONDITIONS

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1. This offer (“Offer”) is being run on the Platform, which is owned and operated by Paisabazaar Marketing and Consulting Pvt Ltd (“Paisabazaar”, “We” or “Our”).

2. By participating in this Offer, the user (“Customer”, “You” or “Your”) agrees to be bound by these terms and conditions (“T&C”); and shall also be governed by the Terms of Use, Privacy Policy as displayed on the Platform. The terms and conditions as may be applicable on Gift Cards including electronic gift vouchers, and other relevant documentation including any modifications, alterations or updates thereof, that are published on the Platform shall be applicable.

3. All applicable terms and conditions of Eligible Credit Cards of the individual card issuing banks/non-banking corporations shall be applicable on the Customers.

4. To participate in the Offer, You must do/fulfill the following:
a) Age must be 18 years or above and holding a valid PAN;
b) Apply for an Eligible Credit Card on the Platform only during the Eligibility Period.

5. You acknowledge and confirm that you are aware of the nature of telecommunications/internet services and that an email transmission may not be received properly and may be read or be known to any unauthorized persons. You agree to assume and bear all the risks involved in respect of such errors and misunderstandings and Paisabazaar shall not be responsible in any manner.

6. By participating in this Offer, it would be deemed that you have given Paisabazaar/Paisabazaar partners your consent to contact You through call, SMS or email on the details provided by You for the purpose of this Offer.

GENERAL TERMS & CONDITIONS

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1. These terms and conditions in any way do not alter the terms and conditions that you may have agreed for availing a service offered by Paisabazaar. In case of a conflict between these terms and Terms of Use as displayed on the Platform, the latter shall prevail to the extent of such conflict for the Offer Program.

2. This offer is exclusively for Paisabazaar Customers and is not sponsored by any card issuer.

3. The Offer is open to only end consumers and not to re-sellers.

4. The Credit Card should be issued to the Customer.

5. This offer is applicable on the Eligible credit cards available on our Platform for which communications are being sent by Paisabazaar owned channels.

6. This offer is not applicable for the employees of Paisabazaar.com and any of its group companies.

7. Paisabazaar reserves the right to determine the eligible Customer and such determination shall be as per the terms of this T&C. Paisabazaar.com’s decision in this regard shall be final and binding.

8. Paisabazaar does not guarantee the issuance of the Eligible Credit card in any manner whatsoever. The decision of the card issuing banks will be final and binding in this regard.

9. The Offer is non-transferable.

10. The Offer shall be and is available in accordance with applicable laws and shall not be available wherever it is prohibited under law.

11. Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the customer due to the offer, shall be to the sole responsibility of the Customer.

12. Paisabazaar reserves the right to terminate, withdraw, suspend, amend, extend, modify, add or remove portions of this Offer, at any time without any prior notice.

13. Customers are not bound in any way to participate in this Offer. Any participation is voluntary and the Offer is being made purely on a best effort basis.

14.Paisabazaar reserves the right to disqualify the Customer from the benefits of this Offer, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the said Offer. We reserve the right to review and investigate all activities pertaining to your action with respect to the Offer and/or modify the Offer in our sole discretion as deemed fair and appropriate to us.

15. The Offer shall be subject to force majeure events and on occurrence of such an event, the Offer may be withdrawn at the discretion of Paisabazaar without any prior notice.

16. Paisabazaar shall not be responsible for any loss, injury or any other liability arising due to participation by any person in this Offer.

17. You shall not hold Paisabazaar, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, responsible for or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses for a claim to have suffered, sustained or incurred, or claims to suffer, sustain or incur by way of and/or on account of various offers offered under the Offer. You further agree to indemnify, defend and keep Paisabazaar harmless against all damages, liabilities, costs, expenses, claims, suits and proceedings (including reasonable attorney’s fee) that may be suffered by Paisabazaar as a consequence of:
a) violation of terms of this T&C by You;
b) violation of applicable laws;
c) any action or inaction resulting in wilful misconduct or negligence on Your part.

18. These T&Cs shall be governed in accordance with the applicable laws in India. Courts in Gurugram (Haryana) shall have the exclusive jurisdiction to settle any dispute that may arise under this T&C.

19. By accessing and participating in this Offer, you are deemed to have read, understood and accepted these Terms and Conditions and you agree to be bound by the terms described herein and all the terms incorporated by reference.

20. If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of these terms, which will otherwise remain in full force and effect.

21. Nothing mentioned herein amounts to a commitment or representation from to conduct further such offers/programs in future by Paisabazaar.

22. 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.

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