PAYBACK is a multi-brand loyalty program that lets you earn and redeem points on every transaction. With a wide range of in-store and online partners, you can earn points on groceries, fuel, entertainment, travel, apparel and more. Members can stack up points and redeem these points for free shopping.
Members earn PAYBACK Points by swiping the PAYBACK Card or by quoting the Linked Mobile Number at the time of check-out at our participating partners.
Points earned can be redeemed for a host of reward options from the PAYBACK Infinity Rewards e-Catalogue or for free shopping across multiple in-store and online partner brands.
PAYBACK Membership comes at no cost and offers a host of benefits to StashFin customers. Members earn and redeem PAYBACK Points at over 100+ in-store and offline partner brands. Points can be earned by booking movie tickets, fuelling up vehicles, for shopping at a variety of online shopping websites, buying groceries, publishing reviews, shopping for apparel, and a lot more. Earned points can further be redeemed for rewards at the PAYBACK Infinity Rewards e-Catalogue or for refuelling the vehicle, booking travel and a lot more. For more details, visit www.payback.in
PAYBACK Points earned by a member at partner brands gets accumulated under the same membership account thus ensuring the member accumulates points at a faster pace. To link all your card accounts, please call the Contact Centre.
One should be above the age of 18 years and be a resident of India. For a complete list of PAYBACK Terms & Conditions, please refer to the PAYBACK site www.payback.in. We advise you to read the same and seek for clarifications that you may desire to have.
One should be a resident of India.
If you are already not a PAYBACK member, you will receive your PAYBACK number at the time of enrolment. You can view your PAYBACK number after logging into your account on StashFin app or website. Your mobile number can be used at all PAYBACK Partner merchants to earn and redeem PAYBACK Points. In case of any queries, you may call-up the PAYBACK Contact Centre.
Earning PAYBACK Points is easy. You can use your StashFin card account to earn points for your spends. You can also multiply your PAYBACK Points by earning points from the different PAYBACK partner brands through one single transaction. For example, if you book your travel through Goomo and pay using your StashFin Card, you are eligible to earn points from both the partners on the same transaction; given partners are part of the PAYBACK Loyalty Program.
You can check your PAYBACK Points earned through StashFin on the StashFin website and app by logging into your StashFin account. Alternately, you can also manage your PAYBACK Points by registering on PAYBACK website or by calling PAYBACK Contact Centre or by sending SMS PBBAL < space> < last four digits of your PAYBACK Card Number> to 9212146468 from your registered mobile number.
(National SMS charges apply)
Visit www.payback.in and enter your 16 digit PAYBACK Number or Linked Mobile Number to activate your account online. To view your point balance or update your profile or to redeem PAYBACK Points, you need to enter your 4-digit PIN.
PIN is a 4 digit numeric value providing access to your PAYBACK Account. In case you do not have a PIN or have forgotten your PIN, click the ‘Forgot PIN’ link and you will be sent a PIN on your Linked Mobile Number and registered email id.
If you are unable to get the PIN through the above option, please contact PAYBACK Contact Center ([email protected]).
Your PAYBACK Points earned on your StashFin Card are credited to the PAYBACK account within 10 days from EMI due date. Points are earned and available for redemption only if EMI is paid on or before the due date.
PAYBACK points are only available on StashFin Credit Line Card. If you have a personal loan or apply for a personal loan with StashFin, you are not eligible for the reward points.
You can earn 2 PAYBACK Points for every Rs. 100 spent on the Point of Sales system online or offline. New customers can also become eligible for 10,000 PAYBACK Points, worth Rs 2,500, once they register the Card and load at least Rs. 30,000 within 3 months from the date of registration. The offer of 10,000 Points is available to customers coming through PAYBACK referral code or corporate sales channel. This offer is for limited time only and is subject to Terms and Conditions of the offer
PAYBACK Points earned on POS transactions through StashFin are earned and available for use on a pro-rata basis when EMI is paid on or before the EMI due date. It may take upto 10 days from the EMI due date for the points to become available. The 10,000 PAYBACK Points being offered will become available in lump-sum within 45 days of the 3rd EMI Payment.
For example: You are a new customer and you have registered your StashFin Card and loaded Rs. 30,000 in Month 1 with a tenure of 3 months. You have also become eligible for 400 PAYBACK Points through POS transactions in the 1st month. For simplicity we have not taken interest into account in the repayment schedule given below:
|Months||EMI Payments||New Registration offer||POS Points|
|Month 1||Get Rs. 30,000Become Eligible for 10,000 Points||Do POS transactions of 20,000.Become eligible for 400 Points|
|Month 2||Pay EMI of Rs. 10,000||Redeem (10,000/30,000)*400 Points= 133|
|Month 3||Pay EMI of Rs. 10,000||Redeem (10,000/30,000)*400 Points= 133|
|Month 4||Pay EMI of Rs. 10,000||Redeem 10,000 Points||Redeem (10,000/30,000)*400 Points= 133|
Please note that if you do not pay an EMI on/before the due date, all outstanding future points that you have become eligible for will get cancelled. The past points that you have earned by paying past EMIs on time will remain with you. In the above example, if you didn’t pay the second EMI (Month 3) on/before the due date, the points that would have become available to you after paying 2nd and 3rd EMIs on time (133+134+10,000= 10,267) would get cancelled. Although 133 points that you earned by paying the 1st EMI on time would remain with you.
The transaction cut-off date is 7 days prior to the EMI due date. For example, let’s assume that your EMI due date is 12th December, 2018. On successful payment of your EMI on or before 12th December, you will be able to redeem the Points that you have become eligible for till 12 am on 5th December 2018 on a pro rata basis. If you make Point of Sale transactions between 6th and 12th December (both days inclusive), these Points will become available on pro rata basis on the next EMI due date ie. 12th January. But if 12th December is your last EMI due date and you make a POS transaction between the above mentioned dates before paying your EMI and closing your loan, the Points accrued will be made available for redemption after 30 days.
The PAYBACK Points earned from different sources get collected in your personal PAYBACK account. If you do not know your PAYBACK number, please contact the PAYBACK Contact Center.
There is no limit on the number of PAYBACK Points you can earn. Just ensure to use your StashFin Card every time you shop.
You can choose rewards from the PAYBACK rewards catalogue for a wide variety of categories and products. Each reward requires a certain number of points available to redeem it. You can choose the reward corresponding to the points in your account to place the redemption order. Please refer to PAYBACK terms and condition https://www.payback.in/home/terms-and-conditions.html
Please write to PAYBACK through the 'Contact Us' page at the PAYBACK website or you may call the PAYBACK Contact Center ([email protected]) to register your request. Your query will be addressed within 15 working days.
You are required to pay 3 EMIs for the loan you avail from StashFin. If you foreclose, you will be able to earn and redeem points for the EMIs paid. For instance you have a 24 month loan and you repay the loan in 3 months. Your points available for redemption earned on POS transactions will be 3/24 * points you are eligible for. The balance PAYBACK Points that you were eligible for will get cancelled. Your PAYBACK account however continues and you can earn points for your spends at PAYBACK partner brands.
PAYBACK Points will expire in 3 years from the date of issuance.
Please contact the Payback Customer Care on [email protected] from 10:00 a.m. to 09:00 p.m. from your registered mobile number and quote the Payback Card number.
PAYBACK commits to always delivering the right product. In the unlikely event that this happens, please call the PAYBACK Contact Center ([email protected]) within 7 days from the receipt of the product and PAYBACK will ship the right product to your mailing address. Please refer to PAYBACK terms and condition https://www.payback.in/home/terms-and-conditions.html
You can login to the PAYBACK website www.payback.in or call the PAYBACK Contact Center ([email protected]) to update your mailing address. You can place a redemption order once your profile has been updated. Please refer to PAYBACK terms and condition https://www.payback.in/home/terms-and-conditions.html
PAYBACK endeavours to ensure that the products ordered reach your registered mailing address within 10 working days, unless the delay is due to conditions beyond our control or unless otherwise specified. https://www.payback.in/home/terms-and-conditions.html
The PAYBACK Contact Center number is: [email protected] (call rates apply as per your tariff plan). It is open from 10:00 a.m. to 9:00 p.m., all days of the week. Please refer to PAYBACK terms and condition https://www.payback.in/home/terms-and-conditions.html
For queries related to points earned through StashFin you can mail us on [email protected] For anything related to PAYBACK please reach PAYBACK Contact Center at [email protected] Please refer to PAYBACK terms and condition https://www.payback.in/home/terms-and-conditions.html