1. Definitions

In these Terms & Conditions, the following terms shall have the meanings assigned to them below:

2. About PB Pass

PB Pass is a complimentary airport lounge access benefit exclusively for credit card users who have applied for and received their credit card through Paisabazaar. The benefit is powered by LoungeKey (Collinson Group) and entitles eligible Cardholders to one (1) free lounge visit at a Participating Lounge within the LoungeKey network.
PB Pass is a promotional benefit offered at the sole discretion of Paisabazaar and is subject to change, modification, or discontinuation at any time, with or without prior notice.

3. Eligibility & How to Unlock PB Pass

PB Pass is available only to users who satisfy the eligibility criteria under one of the following three schemes, depending on the type of credit card held:

Scheme A — Unsecured Credit Cards (BBPS-Eligible Cards)

• The user must hold an unsecured credit card issued via Paisabazaar.
• The user must add the card on Paisabazaar Bill Pay (BBPS).
• The user must pay atleast the Minimum Amount Due of the generated credit card statement via Paisabazaar Bill Pay.
• Upon successful payment confirmation, the PB Pass benefit is activated and linked to the card.

Scheme B — Secured Credit Cards

• The user must hold a secured credit card issued via Paisabazaar.
• The user must complete a Fixed Deposit (FD) of at least INR 5000 or the amount specified by Paisabazaar from time to time (as communicated at the time of card issuance or via the Paisabazaar platform).
• The user must add the card on Paisabazaar Bill Pay (BBPS).
• The user must pay the Minimum Amount Due of the generated credit card statement via Paisabazaar Bill Pay.
• Upon successful payment confirmation, the PB Pass benefit is activated and linked to the card.

Scheme C — Non-BBPS Cards

• The user must hold a credit card issued via Paisabazaar that is not eligible for bill payment via BBPS.
• As these cards cannot be added to BBPS for credit card bill payment, the user must instead make any eligible bill payment (such as mobile recharge, electricity, DTH, broadband, or other utility bills) via Paisabazaar Bill Pay.
• Upon successful payment confirmation, the PB Pass benefit is activated and linked to the card.

General Eligibility Notes:

• Only credit cards applied for and issued through Paisabazaar are eligible. Cards obtained through other channels are not eligible for PB Pass, regardless of the issuing bank.
• Eligibility is determined at the time of benefit activation. Paisabazaar reserves the right to verify eligibility at any stage.
• Failure to meet any condition under the applicable scheme will result in the PB Pass not being activated for that card.

4. Key Terms of the PB Pass Benefit

4.1 Validity

• The PB Pass benefit is valid for twelve (12) months from the date on which the Cardholder's eligibility is confirmed and the Pass is activated.
• No extension of the validity period will be granted under any circumstances, including but not limited to technical issues, lounge unavailability, travel disruptions, or personal reasons.
• The Pass will automatically expire upon completion of the 12-month validity period if not redeemed.

4.2 One Pass Per Card

• Each Eligible Card issued via Paisabazaar unlocks one (1) PB Pass, entitling the Cardholder to one (1) complimentary lounge visit.
• A Cardholder who holds multiple Eligible Cards issued through Paisabazaar may earn a separate PB Pass for each such card, subject to independent fulfilment of the eligibility criteria for each card.
• Passes linked to different cards are independent and cannot be combined or transferred between cards.

4.3 Non-Transferability

• The PB Pass is issued in the name of the Cardholder and is strictly non-transferable.
• The Pass cannot be gifted, sold, assigned, or used by any person other than the Cardholder to whom it is issued.
• Any attempt to transfer or allow third-party use of a PB Pass may result in immediate cancellation of the Pass and may constitute misuse under these Terms.

4.4 No Guest Access

• The PB Pass provides complimentary lounge access for the Cardholder only.
• No additional guests, accompanying persons, or family members may be admitted to the lounge under the same PB Pass.
• Guest entry, if available at the lounge, is subject to the lounge's own policies and applicable charges, which shall be borne entirely by the Cardholder.

4.5 No Cash Alternative

• The lounge access benefit under PB Pass has no cash value and cannot be redeemed or exchanged for cash, credit, reward points, vouchers, discounts, or any other benefit.
• The benefit is only available in the form of one complimentary lounge visit as described herein.

4.6 Subject to Lounge Availability

• Lounge entry under PB Pass is subject to the Participating Lounge's availability and capacity at the time of the visit.
• Paisabazaar and LoungeKey do not guarantee entry if a Participating Lounge has reached maximum capacity, is closed for maintenance, or is temporarily unavailable for any other reason.
• In the event of denied entry due to capacity constraints or lounge closure, the PB Pass will not be deemed redeemed and shall remain valid until its original expiry date.

4.7 Boarding Pass Requirement

• A valid boarding pass for same-day travel is mandatory for lounge entry under PB Pass.
• Entry may be denied if the Cardholder is unable to present a valid boarding pass at the time of the lounge visit.
• Paisabazaar accepts no responsibility for denial of entry arising from failure to carry a valid boarding pass.

4.8 Walk-In Only — No Pre-Booking

• PB Pass is a walk-in benefit only. No advance reservation, pre-booking, or scheduled entry is available.
• Cardholders must present their PB Pass credentials at the lounge reception at the time of arrival.

4.9 Children’s Access Policy

• Access for children (persons below the age of 2 years) varies by Participating Lounge and is governed by the individual lounge's policy.
• Cardholders travelling with children are advised to check the specific lounge's children admission policy on the Lounge Finder before travelling.
• Paisabazaar is not responsible for denial of entry to children based on lounge-specific policies.

5. Terminal States of the Pass

Once a PB Pass reaches any of the following terminal states, it cannot be reinstated, renewed, reissued, or replaced for the same card:

• Expired: The 12-month validity period has elapsed without the Pass being redeemed.
• Redeemed: The Cardholder has completed one (1) lounge visit using the Pass.
• Cancelled: The Pass has been cancelled by Paisabazaar pursuant to terms and conditions mentioned herein more specifically in clause 6 below.

Paisabazaar shall bear no liability to the Cardholder once a Pass has reached any terminal state, and no replacement benefit will be provided.

6. Cancellation of PB Pass

Paisabazaar reserves the right to cancel a PB Pass, at its sole discretion and without prior notice, in any of the following circumstances:

• Fraud or Misuse: The Pass or the eligibility criteria have been used or fulfilled through fraudulent means, misrepresentation, or any other unauthorised activity.
• Transfer Violation: The Pass has been used by, or an attempt has been made to transfer the Pass to, any person other than the Cardholder.
• Operational Errors: The Pass was issued or activated due to a technical error, system malfunction, or operational mistake, including errors in eligibility determination.
• Breach of Terms: The Cardholder has violated any provision of these Terms & Conditions.

Cancelled Passes are non-recoverable. Paisabazaar shall not be obligated to reinstate a cancelled Pass or provide any alternative benefit.

7. How to Use PB Pass

• Log in to your Paisabazaar account and navigate to the PB Pass section to view your active Pass.
• Locate a Participating Lounge using the Lounge Finder on the Paisabazaar platform or at the LoungeKey website/app.
• Proceed to the Participating Lounge at the airport on the day of travel with a valid boarding pass.
• Present your PB Pass credentials (as applicable — QR code, pass ID, or as directed by Paisabazaar) at the lounge reception desk.
• Entry will be subject to verification by the lounge staff and subject to lounge availability as described in Section 4.6.

8. Disclaimer & Limitation of Liability

• PB Pass is offered as a value-added benefit on a best-efforts basis. Paisabazaar does not warrant that lounge access will be available at all times or at all locations.
• Paisabazaar is not responsible for the quality of services, amenities, or facilities offered at any Participating Lounge. Any complaints regarding lounge services should be directed to LoungeKey or the lounge management directly.
• Paisabazaar shall not be liable for any loss, damage, inconvenience, or expense arising from denial of lounge access, lounge closure, change in lounge network, or any act or omission of LoungeKey or a Participating Lounge.
• The benefit is provided in addition to and not in lieu of any other benefit or feature associated with the Cardholder's credit card. Paisabazaar makes no representation regarding the credit card product itself.

9. Modifications and Discontinuation

• Paisabazaar reserves the right to modify, suspend, or discontinue the PB Pass programme or any of its terms at any time, with or without prior notice, subject to applicable law.
• Any changes to the eligibility criteria, benefit structure, validity period, or other terms will be published on the Paisabazaar platform and shall be effective from the date of publication.
• Continued use of the PB Pass benefit after the publication of any modifications shall constitute acceptance of the revised terms.
• In the event of programme discontinuation, Passes already activated and valid at the time of discontinuation shall remain honoured for their remaining validity period, unless otherwise communicated by Paisabazaar.

10. Data & Privacy

• Information collected in connection with the PB Pass programme will be processed in accordance with Paisabazaar's Privacy Policy & Terms of Use, available at www.paisabazaar.com.
• By availing the PB Pass benefit, the Cardholder consents to Paisabazaar sharing relevant information (such as name, pass ID, and visit details) with LoungeKey (Collinson Group) for the purpose of facilitating lounge access.
• LoungeKey's processing of your data is subject to Collinson Group's own privacy policy.

11. Governing Law & Dispute Resolution

• These Terms & Conditions shall be governed by and construed in accordance with the laws of India.
• Any dispute, claim, or controversy arising out of or relating to PB Pass or these Terms & Conditions shall be subject to the exclusive jurisdiction of the courts in Gurugram, India.
• In the event of any dispute or grievance, the Cardholder may contact Paisabazaar's customer support at care@paisabazaar.com.

12. Miscellaneous

• These Terms & Conditions along with Paisabazaar's Privacy Policy & Terms of Use, constitute the entire agreement between Paisabazaar and the Cardholder with respect to the PB Pass benefit and supersede any prior representations, communications, or arrangements.
• If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall continue in full force and effect.
• The failure of Paisabazaar to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• These Terms are in addition to, and do not override, the terms and conditions of the Cardholder's credit card issued by the respective bank or financial institution.