Terms and Conditions of the Program

  • This Marketing Program (“Program”) is offered by SBI Card & Payment Services Ltd. (“SBICPSL”) under an arrangement with Sangeetha Mobiles (“Merchant”). It is open to all legal residents of India holding a valid and current SBI/Tata Credit Card (“Cardholder”) and to whom a communication is sent by SBICPSL and/or Sangeetha Mobiles
  • The Validity of the Program (“Term”) is from 01 Jan 2021 – 28 Jan 2021, (both days including) unless extended by SBICPSL and Sangeetha Mobiles by mutual consent in writing for a further period “additional term
  • All SBI/Tata Credit Cardholders excluding SBI/Tata Corporate Credit Card Card & Paytm SBI Credit Card with no payment outstanding of more than 30 days are covered under this Program.
  • Under this Program, cardholder can avail:
    1. a.5% Cashback at merchant outlets (mentioned on www.sbicard.com) using SBI Credit card, during the term
    2. b.Minimum Transaction Amount: INR 15,000.Maximum Cashback: INR 1500 per card account during the term only.
  • Cashback for eligible transactions would be posted on 15 March 2021. Cashback will be posted only for those transactions where Merchant ID/Terminal ID is available with SBI Card. For transactions where Merchant ID/Terminal ID is not available with SBI Card (has not been provided by partner/merchant), cashback posting will be done within 7 days of receiving the cardholder request.
  • In case of full cancellation/return of your order, transaction will not qualify for the Offer under this program. If you cancel a part of your order, you will qualify for the Offer only on the net amount you pay on the basis eligibility.

Other Terms and Conditions:

  • The above Offer is by way of a special offer for SBI/Tata Credit Cardholders only (excluding SBI/Tata Corporate Credit Card Card & Paytm SBI Credit Cardholders) and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement between SBI and their Clients. The terms of the above Program shall be in addition to and not in derogation of the terms contained in the card member agreement.
  • Any query regarding the program will be entertained only till 28 Jan 2021. Post such date, SBICPSL & Sangeetha Mobiles will not entertain any correspondence or communication in any manner whatsoever regarding this Program from any persons.
  • SBICPSL does not endorse any of the products or brands being offered under the Program and will not accept any direct liability pertaining to the quality, merchantability, fitness, delivery or after sales service of such products which shall be at the sole liability to Sangeetha Mobiles.
  • All the existing offers, gifts, discounts etc. that are being offered can be availed by the Cardholders as part of this exclusive offer as mentioned in this communication.
  • Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website, are representative only and may not bear a resemblance to the actual products. None of the parties shall under any circumstances be responsible towards the same.
  • Offer also valid on EMI Transactions. For EMI transactions Offer is only valid on 6,9,12,18 & 24 Month Tenure transactions. 14% rate of interest applicable on monthly reducing balance for 3,6,9,12 Month EMI transactions & 15% rate of interest applicable on monthly reducing balance for 18 & 24 Month EMI transactions. In addition to the mentioned T&C SBI Card’s EMI T&C will also be applicable , for details , pls check : https://www.sbicard.com/en/offer-terms-conditions.page
  • OEM/Brands might give ‘Manufacturer Cashback’ on “Offline Stores” on SBI Credit Card on select tenure & product EMI Transactions. In such cases, the ‘Manufacturer Cashback’ will be posted upfront at the time of conversion. Such transactions will be eligible for Cashback offer subject to meeting offer criteria & terms. e.g: If for 6 month EMI transaction, OEM/Brand is bearing 3.96% of ‘Manufacturer Cashback’, then the total Cashback customer could be eligible for will be 3.96% + Offer Cashback. EMI Manufacturer Cashback of 3.96% will be given upfront to customer at the time of EMI conversion & Offer Cashback will be posted later.
  • SBICPSL shall adhere, cater, and ensure on best effort basis to perform the agreed terms and conditions of the program.
  • Under no circumstances will the offer/cashback being offered under this Program be settled with cash in lieu by SBICPSL or by Sangeetha Mobiles.
  • Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for the Offer. SBICPSL will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by Sangeetha Mobiles on products/services made available by it and the same shall be at the sole risk and consequences of Sangeetha Mobiles and without reference to SBICPSL.
  • All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
  • This Offer shall be subject to all applicable laws, rules and regulations which are in existence and which may be promulgated anytime by any statutory authority.
  • SBICPSL reserves the right to disqualify the Cardholder(s) from the benefits of the Offer, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the said Offer or otherwise by use of the Card subject to intimation to Sangeetha Mobiles of such disqualification.
  • Any person availing this Offer shall be deemed to have accepted these terms and conditions. SBICPSL and Sangeetha Mobiles reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.
  • Delinquent SBI/Tata credit card members will not qualify for this Offer.
  • Cardholders 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.
  • Nothing herein amounts to a commitment by SBICPSL to conduct further, similar, or other Offers.
  • Any disputes arising out of the Offer between SBICPSL and Cardholder shall be subject to arbitration by a sole arbitrator to be appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The place of arbitration shall be at New Delhi, India and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL or Sangeetha Mobiles or any of its affiliates.
  • SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.

Cardless EMI Terms and Conditions

  • What is Cardless EMI by InstaCred?

    Cardless EMI by InstaCred allows you to shop on EMI using Pre-Approved Credit Limit / Debit Card EMI limit assigned to you by your Bank/Financial Institution at our online Website www.sangeethamobiles.com using just your Mobile Number. You need to register with your InstaCred Mobile Number on Sangeetha website and enjoy the benefits of approved credit.

  • How do I shop using InstaCred?

    If you are pre-approved by one of our lending partners (as mentioned above), simply add your products to Cart and select CCAvenue / Razorpay on Checkout. Select EMI -> Cardless EMI by InstaCred and add your Mobile Number registered with your Bank/NBFC. Select your preferred tenure and follow the instruction to complete your Transaction.Your EMIs will be debited by your Bank/NBFC

  • Are there any processing fees associated with InstaCred EMI?

    Fees / Charges on your Loan are at the discretion of your Bank/Lender. Processing Fees, if any, will be displayed to you at the time of Transaction confirmation.

  • Do I need to make a down payment?

    No. There is no down payment that is required to buy a product via InstaCred Cardless EMI.

  • Where can I track the status of my purchase?

    Once your purchase is complete, you will receive a confirmation from Sangeetha Mobiles. You can also check the status of your purchase by navigating to purchase history. You can also check with your Bank/NBFC on the status of your Loan

  • What happens if I don’t need the product/service I bought?

    Your return policy is guided by Sangeetha Mobiles. Once Sangeetha Mobiles initiates the refund for your product, this will be refunded back to your Bank/Lender. If the refund amount is less than the loan amount, then you will need to pay the balance amount to the bank. We recommend that you check with your Bank/Lender to determine the balance payable in case of refunds.

Terms And Conditions Of ZestMoney

Applicable for Above Rs.3000 /- Only

  • Personal Details:
    1. Aadhar Card
    2. PAN Card
    3. Date Of Birth
    4. Address
  • Employment / Business Details:
    1. Employment Status
    2. Monthly Income
    3. Average Expenses
  • Income Verification Options:
    1. Net Banking QR
    2. Upload Most Recent Three Months* Bank Statements
  • KYC Setup:
    1. Clear Selfie
    2. Mobile OTP Verification Through Aadhar
    3. If Aadhar Not Linked,Front and Back Of Aadhar / Driving License / Passport
  • Repayment Setup Options:
    1. Net Banking
    2. Debit Card
    3. e-NACH