Refer & Earn – Terms & Conditions

Refer & Earn - Program Definition

Refer & Earn is an online credit card referral program for existing Bank of Baroda (BoB) credit card
customers. Existing credit card holders can refer their friends and family to apply for a new BoB
Credit Card through this program. If BOB Financial Solutions Limited (BFSL) issues a BoB credit card
to the referred person, the corresponding referrer would receive bonus Reward Points as the
referral reward.

This program is for the issuance of primary BoB credit card only i.e. it does not apply to issuance of
Add-On credit card/s.

Eligibility

Existing BoB credit card holders are eligible to refer their friends and family under this program. The
referred person (known as 'referee') should not be an existing BoB credit card Holder.

Successful Referral

A successful referral means that the referred person has applied according to the terms of the
campaign and applied only through the referrer’s unique link and has been issued a primary BoB
credit card by BFSL.

Credit Policy conditions for Successful Referral

BFSL reserves the right to assess each referee application as per extant credit policy conditions and
decide on the approval or rejection of such applications. While BFSL will communicate the result of
application to the referee (credit card applicant), no request for review and/or additional
explanations will be entertained.

Reward for Successful Referral

For each successful referral (defined as primary BoB credit card issued to the referee after the
referee applied using the referrer’s customised link), the referrer will get 500 bonus Reward Points
per card issued. The bonus Reward Points will be credited in the referrer’s BoB credit card account
by 30th June 2021.

Maximum Rewards

A referrer will be eligible for a maximum of 100,000 bonus Reward Points i.e. up to 200 cards during
the program period. In case of more than 200 successful referrals during the program period, the
bonus Reward Points will be capped at 100,000 (One lakh points only)

Card status for referrer reward

Bonus Reward Points will not be credited if the referrer’s card is in overdue or closed status on the
date of such credit.
Validity of the Program

The Refer & Earn program is valid for referrals made between 1st February 2021 and 31st March 2021
and successful referrals i.e. cards issued from referrals between 1st February 2021 and 30th April
2021.

Other Terms & Conditions of the Refer & Earn Program

a. BFSL reserves the right to, without liability or prejudice to any of its other rights, at any time,
without previous notice and from time to time, withdraw/suspend/amend/cancel this Offer,
with or without any reason
b. BFSL has the sole discretion to change, suspend or modify the Offer or these terms and
conditions at any time without prior notice.
c. Referrers and Referee acknowledge that mere reference and acceptance of reference does
not ensure that a BOB card will be issued to the Referee. They also acknowledge that the
limit of the said card, if issued, shall be as per the internal risk policies of BFSL.
d. All referrers hereby declare that they have obtained due consent from referees to refer their
contact details to BFSL and that BFSL may contact them to offer its range of products and
services.
e. The Referrer shall be solely liable and responsible for the correctness of all
information/details pertaining to the Referee. The Referrer acknowledges that BFSL shall not
be in a position to ascertain/ verify such information regarding the Referee and shall not be
responsible in any way to any third party for any loss or damage suffered due to such
incorrect details.
f. Referrers shall be responsible to BFSL for any losses or claims that may be occasioned upon
BFSL in the event that this declaration is found to be untrue and on any claims or demands
by third parties
g. As part of the Referrer being able to receive reward for successful referrals, the Referee
acknowledges, understands and agrees that when he/she accepts the Invitation and
successfully gets a card, the referrer will know that the Referee has got a card. If the Referee
desires to avoid disclosing this Personal Information, the referee may choose to apply
independently and not respond to an Invitation. Likewise, by sending an Invitation, the
referrer acknowledges, understands and agrees that the Referee will know that the
Referring Customer has invited and stands a chance to get rewarded. If the Referrer does
not desire to disclose this information, he should not make an Invitation.
h. All the communication related to the card approval or reject reasons will be communicated
to the applicant only and will not be sent to the referring customer.
i. Referring Customers and Referees must be resident of India
j. The Referring Customer, by making this Invitation to others, agrees to be bound by these
Terms & Conditions. The referee, by responding to an Invitation agrees to be bound by
these Terms & Conditions
k. When more than one Referrer (referring customer) refers the same Referee, and the
Referee accepts more than one invitation, then the Referring Customer whose invitation was
sent first to the common Referee, will be eligible for the bonus Reward Points
l. All entrants/customers must agree to the Terms and Conditions at the time they apply for
the BoB Credit Card. The terms & conditions of this Offer shall be in addition, and not in
 substitution/ derogation to, the Rules & Regulations governing the use of the BoB Credit
Card.

m. The Terms & Conditions shall be governed by the Laws of India. Any dispute arising out of
this Offer shall be subject to the exclusive jurisdiction of competent courts in Mumbai