Exclusive Offers on Visa Platinum Debit Card

1. Get a complimentary INR 100 voucher of Zomato with your new Saraswat Bank Visa Platinum Debit Card.
2. Use your unique code to get INR 100 discount through the website (www.zomato.com) / mobile app.
3. Min trxn value INR 159.

How to redeem?

1. Visit: visaoffers.poshvine.com/visa-platinum/offers
2. Use your new Visa Platinum Card to do a symbolic INR 1 trxn.
3. Receive your voucher on email/ phone.

Offer Terms & Conditions:

1. Get Rs.100 as instant discount through the mobile app using your unique voucher code.
2. The customer needs to “Enter the promo code” in the “offer section” on Payment Page on Zomato.
3. This will effectively result in Rs.100 instant discount on the transaction on Zomato.
4. Rs. 159 as the minimum transaction value is required to apply the code.

Terms:

1. Maximum discount is Rs 100.
2. Coupon cannot be reused in case of any cancellation on an order for which it was applied.
3. This offer cannot be combined with any other offers on Zomato.
4. Offer applicable on all restaurants.
5. Offer Valid for 3 months from the date of issuance.
6. One-time usage code.
7. Other T&Cs may apply.

1. Your Saraswat Bank Visa Platinum Debit card is now covered under fraud insurance for an amount up to INR 1 lakh.
2. Visa is the master policy holder and the insurance coverage is provided by HDFC ERGO General Insurance Co. Ltd. and the terms and conditions of the insurance policy shall apply.
3. Coverage:

      1. Coverage of loss on the card due to Internet based transactions.
      2. Coverage of loss on cards due to unauthorized usage/ skimming/ counterfeit/ duplication /compromised cards.

Claim process:

1. In the unlikely event of a fraudulent transaction happening on the card, the cardholder would need to contact the bank to get the card blocked.
2. Once blocked, the cardholder can raise the claim. 
3. Claim Form
4. Specimen Copy on Bank’s Letter Head
5. Discharge Voucher

Fraud Insurance Terms & Conditions:
By utilizing or attempting to utilize any of the goods and services under this policy, the Visa Cardholder understands, acknowledges, and agrees that:

1. Visa is the master policy holder and the insurance coverage is provided by HDFC Ergo General Insurance Co Ltd and the terms and conditions of the insurance policy shall apply. Any claim, complaint or dispute of any nature arising out of or in  relation to the procurement, or attempted procurement by the cardholder of any goods and/or services under this proposition (each a “Claim”) shall be settled by the Visa Cardholder directly with the insurance company, and Visa Cardholder  shall not make any Claim against Visa.
2. Without prejudice to the foregoing, and to the fullest extent permitted by law, Visa shall not be liable to any person for any loss, damage, expenses or claim (whether direct or indirect) in relation to any act or omission related to insurance policy or coverage thereunder or for personal injury, death, false representation or damage in connection with the usage or attempted usage of the insurance proposition or goods and/or services provided under the proposition.

1. What is the policy period?
    The program ends on Sept, 2022

2. What is the coverage available under the policy?
    The policy covers unauthorized transactions through the use of any lost or stolen Card. It also covers fraudulent transactions due to skimming, counterfeiting, duplication, phishing or compromised cards.

3. Do I have to register myself into the program?
    NA

4. What is the significance of pre & post reporting period?
    This is the period during which fraudulent transactions are covered once the card is reported for unauthorized usage.

5. What do I do if my card is lost or stolen?
    In case of card lost/stolen, please block the card immediately so as to avoid any misuse of the card.

6. What do I do if there is a fraudulent transaction online? Is it covered under policy?
     If there is fraudulent transaction on your card, please block the card immediately. The policy covers loss on the card due to Internet based transactions.

7. What is the meaning of skimming / Counterfeit / Phishing?
     Counterfeit Card shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank or which is subsequently altered or modified or tampered with/ without consent of the Insured named in the Schedule.

8. Which type of frauds are not covered in the policy?
     The below kinds of losses are not covered in the policy:
         a. Losses arising as the result of break-down, malfunctioning, hacking, cyber attack or other similar systemic issues on or of the systems and processes of the bank shall not be covered under the policy.
         b. Fraudulent transactions done by person known to the cardholder are specifically excluded.
         c. Loss incurred by the cardholder because of misuse of credit card at any site not having authorized Verisign Security status or any other equivalent security status at any point in time for the entire period of the insurance.
         d. Any transactions not confirmed by host website.
         e. Any errors made by the host Website.
          f. For detailed exclusion, please refer policy wordings.

9. Do I interact with my Bank for any claim in the policy?
     There are few documents that would be needed from your bank. For arranging those documents only you have to interact with the bank. All claims related queries will be handled by HDFC Ergo General Insurance Co Ltd.

10. If not Bank, then with whom do interact with for claim and how?
      All the claims need to be notified to HDFC Ergo General Insurance Company Limited by calling the call center no (02262349220) or emailing the details to us @ visasupport@hdfcergo.com

11. What are the documents needed for processing claim?
      The documents needed depend on the type of claim. Please refer claims process note for detailed list.

12. In how much time will my claim be processed once I send the documents?
      Once all the documents are received (including queried documents), it takes maximum 15 working days to settle the claim.

Note: For any further details on coverage and exclusion, policy terms and conditions need to be referred to.