The eligibility criteria for the StashFin Visa Credit Line Card is the same as that for personal loans disbursed by StashFin. Refer here for the same. After submitting all required details, documents and any other relevant information that we may require, an approved credit line is instantly activated on your StashFin Visa Credit Line Card.

The schedule of charges is as follows:

Particulars	Amount
Annual fee / maintenance charge	NIL
Card issuance fee	NIL
Card replacement fee	Rs. 250.00
Card reload fee	NIL
PIN regeneration fee on App	NIL
Charge per balance enquiry at ATM	Rs. 8.00
Balance enquiry on App	NIL
Transaction history on App	NIL
Block/ unblock card on App	NIL
Charge per withdrawal (After free withdrawal limit gets over)	Rs. 20.00

*The schedule of charges is subject to change and is at the discretion of the company.

You can seamlessly register your Card by clicking on "Register my Card" on the app menu. After entering the Card no., you will receive an OTP. Enter that and your Card will get registered. It's as simple as that. If you haven’t received an OTP on your registered mobile number, please request the OTP again by clicking the button that says “RESEND OTP”.

After loading money onto the Card, you can use it to withdraw funds from an ATM, shop offline (at offline Point of Sales terminals) or make transactions online.

Once you register the card, your Line of Credit will be activated. You can load funds up to the credit limit on the Card, as and when you please! As you keep paying your EMIs, the principal amount gets added back to your Line of Credit, thereby empowering you to load and use more money.

Please drop a message by clicking on Contact Us. You can also reach us be clicking on “Help” on the app menu. One of our friendly executives will get in touch with you. Although you cannot change your registered number if your EMI is overdue.

You can view your available balance and transaction history anytime on the StashFin Mobile App or website once you login using your email ID/ mobile number and password. You can also login using an OTP that we send to your registered phone number. You can download the App from the Google Play Store or Apple Store.

p The standing balance on StashFin Card cannot exceed INR 50,000. In case you load more than INR 50,000, INR 50,000 will get transferred on the Card. The additional funds shall be transferred automatically on the Card as soon as you spend money from it.

Please block the Card immediately by calling on 011-47848400, mail [email protected] if you seek further assistance.

To use a simple analogy, think of your approved credit line as a big water tank from which you can draw-down funds just like you draw water from a tap as and when you need. Think of the StashFin App and web based platform as a tap in this case from which you can draw-down only the funds you immediately need, thereby saving on interest costs you would otherwise have to pay on the entire credit line. Obviously, funds once drawn-down would be reduced from your overall approved credit line.

No. Only the funds you draw-down at one time are converted to an EMI, the amount and tenure are of your choosing. You may draw as little as ₹500 at one time and convert it to an EMI with a tenure ranging from 3 months to 36 months. These drawn-down funds constitute the balance on your card that you may use to make transactions.

For example, let us say you have an approved credit limit of ₹50,000 on your card and you make a draw-down request for ₹5000 on the App. Now, ₹5,000 will be instantly loaded on your card which you utilise in the following way:

• ₹2,000 at a restaurant for dinner
• ₹500 for a mobile recharge online
• ₹1,500 for a purchase at an online merchant

Now, you need to make an electricity bill payment for ₹1,500, but since you’ve already used ₹4,000 (₹2000 + ₹500 + ₹1500) out of the ₹5,000 drawn-down and have only ₹1,000 left, you will need to make an additional draw-down request subject to a minimum amount of ₹500 and a maximum amount of ₹45,000 (the remaining limit on your credit line) in order to make the electricity bill payment using your card.

The entire amount that you load onto the Card gets converted into EMIs. In this case Rs. 20,000 that you loaded on to the card will get converted into EMIs.

If you are getting an “Error 024” message, it means that your loan obligations have increased or your credit profile has undergone a material change since the time your credit limit was approved. You can try to load more money on the card after 3 months.

The points will become available within 45 days of the 3rd EMI provided all the EMIs have been paid on or before the EMI due date. The account should be in good standing with us. It should not be overdue and there should be no delayed payments.

The amount that is loaded on the card gets converted into EMIs. We cannot access the funds on your card. Hence once you draw down money on your Card, you start paying interest on it.

Getting cash from StashFin Elev8 is a very simple process. Here is all you need to do:

• Download the StashFin App from Google Play Store.
• Apply for the loan that you are eligible for.
• Provide basic details as per your Aadhaar Card.
• Confirm Account Number and IFSC Code.
• Upload Documents (PAN Card, Aadhaar Card, and Banking proof)
• Scan your Aadhaar Card
• Transfer Re. 1 to StashFin using your Debit card (Amount will be instantly transferred back to your account).
• Upon successful approval, cash will be transferred into your Bank Account. Make timely payments and keep using StashFin Elev8 to unlock higher limits and better offers over time.

Your eligibility and loan limit are decided on the basis of “StashFin Elev8 Score”. StashFin Elev8 Score is an internal measure of a borrower’s credibility and his/ her likelihood of paying back the loan on time. The score takes into account various information about the borrower such as financial profile, social networks and behaviour data.

The score is dynamic and keeps evolving as we obtain greater data on the user. Therefore, good behaviour and timely loan repayments will help a user increase his score and get better loan terms over time.

The loan limits are generated automatically based on your StashFin Elev8 Score. With regular use of Elev8 and by making timely repayments of your loans, you can increase your StashFin Elev8 Score which will help to unlock larger loans with lower rates and fees over time.

The loan limits are generated automatically based on your StashFin Elev8 Score, which might not be sufficient for a higher limit at this point. However if you pay your existing loan on time, you could become eligible for a higher amount after the Due Date of your existing loan.

The documents required for registration are:

• Aadhaar Card (Front)
• Aadhaar Card (Back)
• PAN Card
• Banking Proof (Bank Cheque / First Page of Passbook / Bank Statement)

Once your loan is disbursed, the money will reach your Bank Account within 1 working day.

For a first time borrower, we want to make sure that we transfer the money to the right account. This also helps to confirm that the customer will not face any unnecessary issues while repaying loans. Therefore, we ask the customer to transfer Re. 1 using debit card. This amount is instantly refunded back to the customer.

The fees charged from the borrowers is the sum total of processing fees and interest charges. We charge a flat processing fee of Rs. 25 to Elev8 customers for loan amounts over Rs. 2000. The interest rate varies according to the loan amount. As a customer repays his loans on time, he may be offered repeat loans at lower interest rates. The borrowers are notified of the exact charges at the time of loan application.

You can repay your loan on the StashFin App by following these simple steps:

• Click on ‘Pay Now’ button on the Dashboard screen of your App.
• Use your Debit Card, Net Banking, UPI or wallets to pay entire amount.

Alternatively, you can pay on the StashFin website by visiting https://www.stashfin.com/login and logging into your account. Click on “Pay Now” button on left hand panel. You can make the payment before the Due Date without any prepayment penalties.

You could make a prepayment without any penalties. An early loan payment would not reduce the fees as notified at the time of application. However, early payment is regarded as good behaviour, and could help improve your StashFin Elev8 Score and get a higher limits and better loan terms over time.

Any delays in the payments will incur penalties and could also deteriorate your StashFin Elev8 Score. The penalty starts as low as Rs. 15 per day and increases upto Rs. 25 per day, depending on your loan amount and time period since the amount is overdue.

In the unfortunate event that you default, StashFin could report the defaulter data to credit bureaus. This could make it difficult to get loans from banks/ NBFCs at good terms in the future.

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 vehicle, 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 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 (1860-258-5000).

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 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 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. 30,000 Become 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 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.

• All you need to do is identify the product and then you can either redeem your PAYBACK Points by registering on the PAYBACK website or by calling the PAYBACK Contact Center (1860-258-5000).
• Redemption at partner brands in your city: You can redeem your PAYBACK Points to make payments at Big Bazaar, Central, Brand Factory, Ezone, Home Town and many more partners in your city.
• Redemption at online partners: You can redeem your PAYBACK Points to make payments at BookMyShow, Cox & Kings, Mobikwik and many PAYBACK Partner others.

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 (1860-258-5000) 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 1860-2585-000 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 (1860-258-5000) 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 (1860-258-5000) 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: 1860-258-5000 (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 1860-258-5000. Please refer to PAYBACK terms and condition https://www.payback.in/home/terms-and-conditions.html

The only difference between the StashFin physical card and virtual card is that the Virtual Card can only be used online as it does not have any plastic existence. Everything else remains the same for both the cards.

Once your Line of Credit is approved and all pending steps and documentation are complete, you will be able to activate your Virtual Card using the StashFin App.

The key details of the StashFin Virtual Card like the Card Number, Expiry Date, etc. are visible online on the StashFin App. You can use these details to transact online and never be worried about losing your card or having to carry it 'safely' in your wallet.

As soon as your Line of Credit is approved by StashFin, you will be able to access your Virtual Card using the StashFin App. To activate your Virtual Card you will need to enter your 16 digit Virtual Card number on the App and submit the OTP which you will receive on your registered mobile number. You can then use your Virtual Card details to transact online. You don't have to wait for the physical StashFin card to reach you to be able to start accessing your funds.

The StashFin Virtual Card can be used for online transactions only.

There is no separate limit which is approved for the StashFin Virtual Card. There is only one limit which is approved by StashFin and you can access your funds using the virtual card and/or the physical card.

Your virtual card transactions will get converted into EMIs. You can view your EMI details on the StashFin App.

You have the option to lock and block your Virtual card. You can lock and unlock your Virtual card on the App. By locking the card, you will not be able to use the Virtual Card credentials for any online transactions, until you unlock the card. You also have the option to permanently block your Virtual Card via the StashFin Helpline number (011-47848400), but please note that it may take upto 3 working days to unblock your card.

No. Currently the virtual card is free of cost.