SBI BANK OFFER – TERMS & CONDITIONS

OFFER PERIOD

1st April 2026 – 31st May 2026

OFFER DETAILS

Instant Discount

• 10% instant discount up to ₹3,500
• Minimum transaction value: ₹15,000
• Valid on SBI Card EMI transactions only.  
• Offer applicable for EMI tenures of 6 months and above
• Offer valid on Online & Offline purchases at Urban Ladder
• One transaction per card, per channel, per month during the campaign period

GENERAL OFFER TERMS

• Offer is valid only on EMI transactions
• Offer is limited to one transaction per card per channel per month
• Offer cannot be combined with other promotions unless explicitly mentioned

CANCELLATION & REFUND POLICY

• Full cancellation or return of your order will void the offer
• Partial cancellation will make the offer applicable only on the net payable amount, subject to eligibility

ADDITIONAL TERMS & CONDITIONS

This offer is exclusively for SBI Bank Credit and Debit Cardholders

This offer is in addition to and not in derogation of:
• Cardholder agreement
• Merchant EMI Terms & Conditions
• Rewards Terms & Conditions

Reward Points:
• Reward points on offer-eligible transactions may be forfeited
• If insufficient points are available, an equivalent amount may be debited from the cardholder’s account

Product & Service Liability:
• SBI Bank does not endorse the products/services
• Any issue related to quality, delivery, or after-sales service is the sole responsibility of Urban Ladder

Availability:
• Products/services are subject to availability
• SBI Bank is not liable for non-availability

Technical Issues:
• SBI Bank is not responsible for technical or offer configuration issues on the partner platform
• Customers should contact Urban Ladder for resolution

Non-Transferable Benefit:
• The offer cannot be exchanged for cash

Invalid Transactions:
• Returned, disputed, unauthorized, or fraudulent transactions will not be eligible

Taxes:
• All applicable taxes and levies will be borne by the cardholder

Modification Rights:
• SBI Bank and the partner reserve the right to modify, withdraw, or replace the offer at any time

Voluntary Participation:
• Participation is voluntary

Fraud & Misuse:
• SBI Bank reserves the right to disqualify users in case of fraudulent activity

DISPUTE RESOLUTION

• Any disputes shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996
• Seat & Venue: Mumbai, India
• Language: English

GOVERNING LAW & JURISDICTION

• These terms are governed by the laws of India
• Disputes shall be subject to the exclusive jurisdiction of courts in Mumbai

CONTACT & QUERIES

• Queries regarding this offer will be entertained only during the campaign period and as per applicable policies