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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :21/01/2020

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Updated: 21-01-2020 09:33:52 AM

SBI Credit cards come with attractive offers and reward point programs. Each card has a unique reward system and it is important to choose the right SBI credit card to ensure that you can avail the maximum benefits from their respective reward programmes. Here we will learn more about how to redeem SBI card reward points:

On this page

How to Earn SBI Credit Card Reward Points?
How to Redeem SBI Credit Card Reward Points?
Air Mile Conversion of SBI Credit Card Reward Points
SBI Credit Card Rewards Catalogue
SBI Credit Card Reward Points- FAQs

How to Earn SBI Credit Card Reward Points?

By using SBI credit card to make purchases at retail stores and online payments, you can get the most out of every rupee you spend in the form of reward points. These reward points can be exchanged for merchandise, gift vouchers, reversal of fees, etc. Though the reward points are usually not considered while applying for a card, yet the benefits they provide usually help the cardholder save significantly while repaying the amount due and on making purchases.

SBI Credit CardReward PointsAccelerated Rewards
SimplySAVE SBI Card1 Reward Point per Rs.100 spent10x SBI credit card reward points on Dining, Movies, Departmental Stores and Grocery Spends
SimplyCLICK SBI Card1 Reward Point per Rs.100 spent5X rewards on all online spends
10X Reward Points on online spends with exclusive partners
Air India SBI Platinum Card2 Reward Point per Rs.100 spent15 Reward Points for every Rs.100 spent on Air India tickets booked through airindia.com when booked for self and 5 RP when booked for others.
Air India SBI Signature Card4 Reward Point per Rs.100 spent30 Reward Points for every Rs.100 spent on Air India tickets booked through airindia.com when booked for self and 10 RP when booked for others.
STYLEUP Contactless Card1 Reward Point per Rs.100 spent10X SBI card points on dining spends and transactions made at Big Bazaar, Standalone Fbb and Food Bazaar outlets
SBI Card ELITE2 Reward Point per Rs.100 spent5X Reward Points on Dining, Departmental Stores and Grocery Spends
IRCTC SBI Platinum Card1 Reward Point per Rs.125 spent across all categories except fuelN/A
Mumbai Metro SBI Card1 Reward Point per Rs.100 spent10 Reward Points per Rs.100 spent on Dining, Movies, Grocery and Departmental stores
Yatra SBI Card1 Reward Point per Rs.100 spent6 Reward Points on every Rs.100 spend on Departmental Stores, Grocery, Dining, Movies, Entertainment and International spends
SBI Card PRIME2 Reward Point per Rs.100 spent10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies
15 Reward Points per Rs.100 spent on partner brands
BPCL SBI Card1 Reward Point per Rs.100 spent5X Reward Points per Rs.100 spent on Groceries, Departmental stores, Movies, Dining and Utility Bill Payments on standing instructions

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How to Redeem SBI Credit Card Reward Points?

SBI credit card reward points can be redeemed online via Net Banking or Mobile App. You can redeem SBI rewards with the following methods-

Online:

Follow the steps given below for online reward point redemption. For SBI Internet Banking, you can-

Step 1- Login to SBI Card portal using your customer ID and Password.
Step 2- Go to the ‘Rewards’ section and click on ‘Redeem Rewards’.
Step 3- Filter the Reward Points, City and Category.
Step 4- Check the items on ‘Rewards Catalogue’and select one as per your choice.
Step 5- Click on ‘Redeem Now’ to confirm.

Mobile Application

Step 1- Login to SBI Card mobile app with your Customer ID and Password.
Step 2- From the left side menu, select ‘Rewards’ option and click on ‘Redeem Rewards’.
Step 3- Filter the Reward Points, City and Category.
Step 4- Check the items on ‘Rewards Catalogue’ and select one as per your choice.
Step 5- Click on ‘Redeem Now’ to confirm and proceed with your redemption process.

Offline:

You can redeem SBI card reward points offline as well-

Customer Care

You can redeem credit card reward points by calling on the SBI credit card customer care number. The customer care executive will help you with the redemption process. You can either pay for the item in points altogether or choose the ‘Points+Pay’ option where you can redeem your points and pay the additional amount from credit card.

For debit card holders, you can also redeem SBI debit card points and convert them to cash.

Read More for more options

You can Make Huge Savings on Your Credit Card Purchases through Best Rewards Credit Cards

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Air Mile Conversion of SBI Credit Card Reward Points

On some SBI Credit Cards, especially those with travel-centric benefits, you can convert the accumulated reward points into air miles and redeem the same for booking a flight ticket. The air mile conversion feature is available on the following SBI Cards-

  • Air India SBI Platinum Card
  • Air India SBI Signature Card

The rate of air mile conversion is 1 Reward Point = 1 Air India Mile. Note that these air miles can be redeemed only when booking flight tickets on Air India.

Apart from this, there are other SBI credit cards launched in collaboration with Vistara Flights and let the user earn Club Vistara points every time they shop using the card. These cards are-

  • SBI Card ELITE
  • SBI Card PRIME
  • SBI Card ELITE Advantage
  • SBI Card PRIME Advantage

SBI Credit Card Rewards Catalogue

With your SBI credit card reward points, you can get the following types of items-

  • Electronics
  • Homeware and Kitchenware
  • Lifestyle and Luxury
  • Dining and Entertainment
  • Apparel and Accessories
  • Health and Fitness
  • Travel and Holiday
  • E-vouchers

Items from renowned brands like Apple, Phillips, Prestige, Wildcraft, American Tourister, Titan, Paul Smith, Fab India, Yatra, Shoppers Stop, etc. are offered by SBI Card against your accumulated reward points.

SBI Credit Card Reward Points- FAQs

How to redeem SBI reward points?

There are two ways of redeeming the earned reward points; Online and Offline. Once you redeem the points, you can convert them and purchase electronics, apparel and accessories and much more

How can I check my reward point summary?
Your credit card statement also shows the closing balance of your reward points. Alternately, you can also send an SMS -REWARDS (Last four digits of your card number) from your registered mobile number to 5676791. You can also login to your SBI Credit Card account on their web portal or mobile app to check your reward point summary.

How much time does it take for the reward redemption benefit to reach me?
If you have opted for an e-voucher, it will be delivered within 3-10 working days. Catalogue products take 15-30 days to be delivered to your address.

Are there any charges for redeeming SBI Credit Card Reward Points?
Yes. SBI Card charges Rs.99 plus GST for reward point’s redemption.

Can I consolidate reward points on multiple SBI Credit Cards?
No. Reward points can only be redeemed for the card on which the points are earned.

Can I cancel a reward redemption order?
You can cancel an order on the same day before 4 pm by calling on SBI Card helpline.

Can I change the delivery/billing address once the order is placed?
The item will be delivered only to the registered address of the primary owner. Any change in address can be made by calling SBI Card customer care and it will be made after proper verification.

Do SBI Credit Card Reward Points expire?
Yes. Reward points accrued on the card are valid up to 24 months.

How to redeem SBI credit card reward points in cash?
SBI Card has provided the facility to convert Reward Points into cash. You can call on the toll-free number 1800 180 1290 or (prefix local STD code) 39 02 02 02 and ask for the conversion of your points in cash. You can also write a mail by visiting https://www.sbicard.com/en/webform/write-to-us-login.page.

What is the value of SBI credit card reward points?
The value of SBI credit card reward points is different for different cards. Some cards offer 1 RP= 1 Air mile whereas while converting into cash, the rate is 1 RP= Rs. 0.25 for most cards.

How to use SBI Reward Points and where we can use them?
You can use SBI Reward Points online with internet banking or mobile app. For offline methods, you can contact the customer care of the bank for using your SBI reward points. You can redeem the points for the following:

  • Electronics
  • Homeware and Kitchenware
  • Lifestyle and Luxury
  • Dining and Entertainment
  • Apparel and Accessories
  • Health and Fitness
  • Travel and Holiday
  • E-vouchers

Do SBI reward points expire?
Yes, SBI credit card reward points expire after 24 months from its accrual. It is recommended that the cardholder should use the reward points before its expiry.

Can I transfer SBI reward points?
No, you cannot transfer SBI reward points. You can redeem the credit card reward points for vouchers, gifts and cash but cannot transfer it to others.

Can SBI debit cardholder earn reward points?

Yes, SBI can earn reward points too. The cardholders need to visit SBI Rewardz website and after logging in, you will be able to see the reward points earned on your debit card. You can choose the option of buying other products from the catalogue or choose the option of converting SBI debit card points to cash.

How to convert SBI credit card points to cash?

If you want to convert SBI points to cash by  by writing to SBI via email or contact the SBI helpline.

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