Welcome Offer – Terms & Conditions

This promotional offer (“Offer”) is brought to you by Credilio through 4 Minute Mile (“4MM”) for new customers of the SBM Credilio Credit Card. By participating in this Offer, you agree to the following terms and conditions:

 

1. The campaign is valid from 2nd June 2025 to 31st August 2025.
2. Offer Eligibility:
• Applicable to customers who are issued the SBM Credilio Credit Card on or after 1st May 2025.
• To qualify, customers must spend a minimum of ₹2,000 using their credit card within the first 30 days from card issuance.
• Offer is valid only for users who view and access the offer via the Novio App.
3. Welcome Benefits:
   Eligible customers will receive a curated set of brand offers with a total perceived value of up to ₹5,059. These include (but are not limited to):
• ₹100 HPCL Fuel Voucher
• ₹1,500 Nykaa discount
• ₹400 Trends Footwear discount
• 1-month Watcho OTT subscription
• Pocket FM premium content
• ₹500 The Man Company Discount
• ₹500 Yatra Discount
• ₹400 Abhibus Discount
• ₹650 Pharmeasy Discount
• ₹400 Wow Skin Science Discount
4. Redemption Process:
• Qualified customers can redeem their benefits by visiting the designated 4 Minute Mile offer page available inside the Novio App.
• Redemption is permitted only once per customer, per credit card, per mobile number/email ID.
5. Other Terms:
• Offers are brought to you by Credilio through its partnership with 4 Minute Mile.
• The offers are subject to availability and may be changed, withdrawn, or substituted at the sole discretion of Credilio, without prior notice.
• 4 Minute Mile shall be solely responsible for the distribution, delivery, redemption, and customer support related to the offers.
• Credilio and SBM Bank shall not be liable for any disputes, complaints, or issues arising out of the redemption or usage of the offers.
• The offers are non-transferable and cannot be exchanged for cash or any other benefit.
• The Offer is valid until further notice or until stocks last. 4 Minute Mile reserves the right to modify, withdraw, or terminate the Offer at its sole discretion.
  
  
6. Offers Terms and Conditions –

 

1. HPCL –

   Steps to Redeem –

   • https://theofferclub.com/fuelstepstoredeem/VIDEO.mp4

 

2. Nykaa –

   Steps to Redeem –

   • Click on :-https://www.nykaafashion.com/revolve/c/14334?q=Revolve&searchType=SearchedFromSuggestions&internalSearchTerm=Revolve&typedSearchTerm=revolve&suggestionType=query&searchRedirection=1&utm_source=Credilio&utm_medium=coupon&utm_campaign=12thmay
   • Add products to your cart
   • Apply the coupon code during checkout to avail the offer

   Terms and Conditions-

   • The coupon is valid only once per customer
   •  Max Discount- ₹1500
   • The coupon cannot be merged with other offers
   • It is valid on revolve brands only

 

3. Trends Footwear –

   Steps to Redeem –

   • Applicable on RR FASHION BRANDS (in-house brands), CATWALK & LEE COOPER
   • Customer has to display coupon to the store staff before selecting product, so that staff will guide them to the applicable merchandise
   • Upon reaching bill value of Rs.999 and above our store staff will scan this coupon code and Rs.400 will be deducted in the bill amount

   Terms and Conditions –

   • This offer can’t be clubbed with any other offer running in the store

 

4. Watcho –

   Steps to Redeem –

   • Click on :- https://plans-offers.watcho.com/campaigns/watcho_spark
   • Login with 10-digit mobile no and OTP
   • Apply the coupon code
   • Pack amount will be 0, click on Pay 0
   • Enter your credit or debit card details to setup auto renew Rs.1/2 charged will be refunded

   Terms and Conditions –

   • Each code can be redeemed only once on 1 10 Digit Mobile Number.
   • Code can be applied by a new customer and >30 Days DA customer. Existing active subs can not avail the offer
   • Codes will have auto renewal mandate, plan will be auto renewed on pack MRP from next month onwards, until opted out.
   • The coupon code cannot be clubbed with any other offer on Watcho.
   • Code is not exchangeable for cash /refundable.
   • Codes will have redemption validity of 1 month.
   • Apps in the plan will be subject to availability on Watcho.

 

5. Pocket FM –

   Steps to Redeem –

     Android:

   • Click on the https://click.pocketfm.in/whkh/p9mb3807
   • If you have the app, the link will redirect you to the Pocket FM app, else it will redirect you to download the app.
   • Download the app to proceed.
   • Signup/ Login using your mobile number
   • Use the code provided in the coupon section on my store section of the Pocket FM app
   • Coins will be credited to your wallet
     
     

     iOS

   • Click on :- https://click.pocketfm.in/whkh/p9mb3807
   • Enter a valid coupon code and mobile number
   • Go to the Pocket FM app
   • Signup/Login using the mobile number entered in step 2
   • Coins will be credited to your wallet to access Audiobooks

   Terms and conditions –

   • Offer is only valid on the mobile app
   • Offer is valid for both new and existing users of Pocket FM before the first purchase on the app (User should never have transacted on Pocket FM)

 

6. The Man Company –

   Steps to Redeem –

   • Visit The Man Company Link - https://www.themancompany.com/collections/all-products?utm_source=Credilo&utm_medium=500off1500&utm_campaign=Alliance
   • Select the products of your choice and add them to the cart
   • Click on Checkout
   • Enter your shipping details.
   • Add the discount code
   • Select your preferred mode of payment
   • Click on Complete Order.

   Terms and Conditions –

   • Offer is applicable only on The Man Company App and Website
   • The offer is applicable only at the curated link.
   • Offer cannot be clubbed with any other offer or redeemed for cash.
   • Shipping Charges may apply on orders having final order value less than 399.

 

7. Yatra –

   Steps to Redeem –

   • To avail the offer, download Yatra Android or iOS app and then login/register to create your account. Alternatively, open https://www.yatra.com/ on desktop or mobile browser 
   • Select “From City/Departure city” and “Destination” and press “Search”
   • Select the flights / hotels of your choice
   • On the Apply Coupon section, Type promo code and Instant discount will be applied.
   • Enter your details under Contact Information and confirm the total amount to be paid by clicking on ‘Continue’ tab. 
   • Make the payment and complete your booking.

   Terms and Conditions –

   • Max discount- INR 500 (Domestic flights) and No MOV.
   • Offer valid once per user during the offer period.
   • Offer not valid on any affiliate marketing channels.
   • Offer valid only on Yatra confirmed bookings only.
   • Yatra reserves the right to withdraw, modify or replace this offer without prior notice and the same is at the sole discretion of the company.
   • This offer cannot be combined with any other offer/ scheme.
   • The offer is not applicable to Yatra Prime members.

 

8. Abhibus –

   Steps to Redeem –

   • Visit Abhibus App/ https://www.abhibus.com
   • Choose the Preferred bus.
   • On the payment page, apply the coupon code
   • Pay the remaining amount and checkout.

   Terms and Conditions –

   • Valid on minimum booking value of Rs. 1500
   • Valid for the 1st ever transaction on AbhiBus
   • Valid only on Private Bus Bookings, not on Govt SRTC bookings
   • This offer cannot be combined with any other offer

 

9. Pharmeasy –

   Steps to Redeem –

   • Log into PharmEasy app or website.
   • Place your order via PharmEasy app or website.
   • Please use the unique code while placing the order.
   • After the coupon code is applied, please proceed to complete the order process.

   Terms and Conditions –

   • Code is valid twice per user.
   • Offer valid for all users.
   • A user will get a Flat ₹650 off.
   • Coupon code valid on a minimum cart value of ₹1799.
   • This offer cannot be combined with any other offers.
   • Offer applicable only on lab test orders.
   • For coupon code issues, please reach out to care@pharmeasy.in / 766100300.
   • PharmEasy has the right to amend the terms & conditions, end the offer, or call back any or all of its offers without prior notice.

 

10. Wow Skin Science –

    Steps to Redeem –

    • Visit  – https://www.buywow.in/collections/cp-flat?utm_source=credilio&utm_medium=affise_affiliate
    • Add products worth ₹999 or more to your cart
    • Apply the unique coupon code at checkout
    • A flat ₹400 discount will be applied

    Terms and conditions –

    • Valid sitewide on WOW Skin Science
    • The coupon must be applied at the checkout to avail of the discount
    • Cannot be clubbed with other offers
    • Limited period offer; valid for online purchases only

7. Customer Support:
   For any issues related to redemption or voucher usage, please contact 4 Minute Mile at:
   Email: customercare@4mm.co.in
   Phone: 9511948588 (Mon–Fri: 10am–6:30pm, Sat: 10am–2pm; excluding public/bank holidays)

By participating in this Offer, you unconditionally agree to these terms and any decisions taken by Credilio or 4 Minute Mile regarding the Offer.