About the Contest

The Credit Score Premier League Contest is the largest credit score check initiative to promote credit awareness across the country. Participants must check their CIBIL score on the Paisabazaar App/website to participate in the contest. People with the best CIBIL score can win exciting rewards, including an iPhone 16 and Amazon vouchers. Read on for the full terms and conditions.

Contest Duration

• The contest will go live on 5th July 2025 and will run till 5th August 2025.
• Only entries submitted during this contest period will be considered for participation.

Who Can Participate

This Contest is open to anyone who is a citizen of India, above 18 (eighteen) years of age, holding a valid PAN.

How to Participate

1. Anyone who checks their CIBIL score during the contest period on the Paisabazaar platform will be eligible for participation.
2. The score will be automatically logged in the system based on the participant's latest credit report.
3. Even if someone is an existing credit score customer, they will still need to check their credit score by visiting the Paisabazaar platform to participate in the contest.

Shortlisting & Winner Selection

• Shortlisting will be done based on the top CIBIL credit scores fetched during the contest period.
• If in a rare case a CIBIL score is not available, credit scores from other bureaus will be considered, and Paisabazaar will use its internal proprietary algorithm, developed after analyzing millions of data points, to calculate the CIBIL equivalent score.
• The CIBIL equivalent score is used, in case the CIBIL score is not available, to enable participation in the contest.
• If the CIBIL equivalent score is being used for the contest, it will be calculated from all available bureau scores and the highest CIBIL equivalent score will be used for ranking.
• There may be scenarios where different CIBIL scores appear on different platforms. A CIBIL score can vary based on the data provided at the time of fetching the report. If a participant has proof of a higher CIBIL score from a different platform, they can write to cpl@paisabazaar.com
• A CIBIL score may vary over time; the latest fetched CIBIL score during the contest period will be considered.
• If a CIBIL equivalent score is being calculated, the oldest active credit account and the number of active credit accounts will also be fetched from available bureaus in the priority of - Experian, Equifax, and CRIF Highmark.
• If a single participant has the highest score, they will be declared the winner.
• If more than one participant has the same CIBIL score, the winner will be decided based on the oldest active credit account.
• If that is also the same, the participant with the highest number of credit accounts will be declared the winner.
• If that is also the same, ranking will be done on a first-come-first-serve basis and a winner will be decided via a lucky draw, which will be done live on the Paisabazaar YouTube channel.
• All shortlisted participants will be notified via Email, WhatsApp, SMS, Social Media Posts, and announcement on the Paisabazaar website.

Prizes and Rewards

• Top 5 customers holding the highest CIBIL score will be awarded an iPhone 16.
• The next 20 customers with the highest CIBIL Score will be awarded an Amazon Voucher worth Rs.10,000 each.
• The next 100 customers with the highest CIBIL score will be awarded an Amazon Voucher worth Rs.2,000 each.
• In case of multiple participants holding the same highest CIBIL score, customers with the oldest active credit account will be given priority.
• Winners will be notified via Email, SMS, WhatsApp, and announcements made through Paisabazaar's social media channels and website.

Additional Guidelines

• Only the latest generated score on Paisabazaar’s platform will be considered valid for participation.
• Prize dispatch (iPhone and Amazon vouchers) will be done within 30 days of the winner announcement.
• The organizers reserve the right to verify the accuracy of submitted scores and disqualify any suspected fraudulent entries.
• Participation in the contest is voluntary, and by participating, customers agree to display their CIBIL score on the leaderboard.
• Participation in the contest is voluntary, and by participating, customers are deemed to have read, understood, and accepted these terms and conditions.
• This Contest will be governed by the laws of India, and courts in Gurugram shall have exclusive jurisdiction over any dispute between participants and Paisabazaar.
• 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.
• Paisabazaar can update, change, and modify these terms without prior notice along with any FAQs or guidelines that may have been issued pertaining to the Contest, at any time and in its sole discretion.
• Participants 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 Contest.
• Paisabazaar may suspend or terminate the Contest or a participant's ability to participate in this Program at any time for any reason. Paisabazaar reserves the right to take strict administrative or legal action, including termination of participation in the Contest, if any activity is noticed that is, including but not limited to abusive, fraudulent, or any attempt to take unfair advantage of the Contest and/or is in violation of these terms, Terms of Use and Privacy Policy of the platform. Paisabazaar reserves the right to review and investigate all activities pertaining to any action with respect to the Contest and/or modify the Contest in its sole discretion as deemed fair and appropriate.
• The Contest shall be and is available in accordance with applicable laws.
• 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 Contest, shall be the sole responsibility of the customer.
• For city-wise competition, customers will be shown their ranks based on the city they are from. The cities are - Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Kolkata, Pune, Ahmedabad, Jaipur, Chandigarh, and Rest of India.
• For Delhi, the entire region of Delhi-NCR will be taken into account.
• For decade-wise competition, customers will be shown their ranks based on the age category they are part of. These categories are - 20s, 30s, 40s, 50s, and Rest.

Data Privacy

• All private information of customers is safe and secure with Paisabazaar.

Let the most credit-healthy person win!

Track the score, enter the contest, and join the leaderboard today!