Terms and Conditions for Welcome Offers available
on SBM Credilio Credit Card
Applicable from 1 July 2024
1. Eligibility for Welcome Offer
To qualify for the Welcome Offer, customers must meet the following criteria within the first 30 days
of card issuance:
• Complete at least one transaction using the SBM Credilio Credit Card.
• Spend a total amount of INR 1000 on the SBM Credilio Credit Card.
• Customers must be SBM Credilio Credit Card issued customers, and eligible transactions
must be done on the same card.
2. Welcome Offers
If the customer meets the eligibility criteria, they will receive a welcome package consisting of a mix
of gift cards and discount vouchers. The specific brands mentioned in the welcome offer
communication are indicative. Credilio reserves the right to offer an equivalent offer in case of any
fulfilment issues outside Credilio’s control.
3. Terms of the Welcome Offers
• The welcome offers are non-transferable and cannot be exchanged for cash.
• Membership IDs required to claim the welcome offers will be sent to customers via
WhatsApp through Credilio’s official business account or SBM Credilio’s account.
o If delivery via WhatsApp fails, Credilio will attempt to resend the message up to two
additional times, followed by an attempt through SMS.
o Credilio is not responsible for the delivery of codes if these attempts are
unsuccessful due to factors beyond its control.
• Membership IDs will be blocked if the customer becomes delinquent or closes the card.
4. Terms Specific to eVouchers
• The eVouchers are subject to the terms and conditions of the respective brands issuing
them.
• The validity of the eVouchers will be available on the redemption portal.
5. Communication of Offers
Credilio will strive to ensure that the welcome offers communicated to customers are accurate and
consistent with the promotions advertised. These offers may also be visible in advertisements or
other promotional materials.
6. Modification and Termination
• Credilio reserves the right to modify, alter, change, or cancel any or all of these terms and
conditions at any time without prior notice. This includes replacing this offer with another
offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed
without prior communication.
7. General Terms
• Cardholders are not bound in any way to participate in the offer. Any such participation is
voluntary and is being made available purely on a 'best effort basis'.
• The offer shall be fulfilled within 45 days of meeting the eligibility criteria of the SBM Credilio
Credit Card.
• The mode of fulfilment will be WhatsApp/SMS, and the cardholder shall be communicated
at their Registered Mobile Number.
• It will be the cardholder’s responsibility to ensure that the latest and valid mobile number is
updated in the records of Credilio to enable the fulfilment of the offer.
8. Customer Contact Details
• For any grievances or escalations, customers can contact Credilio's customer care number at
+917900033833 or email us at
[email protected]. Grievances related to offer redemption
should be reported within 15 days of offer fulfilment