SBM Credilio Visa Credit Card – Spend & Win Up to ₹1,000 Cashback (10–28 February 2026)

If you are a SBM Credilio Visa Credit Card holder, here’s a limited-time opportunity to earn up to ₹1,000 cashback under the Love Ishq Aur Rewards campaign.

This milestone-based cashback offer rewards you based on your total eligible spending between 10th February and 28th February 2026.

Offer Validity

Campaign Period: 10th February 2026 – 28th February 2026

Only transactions made during this period will be considered for cashback calculation.

Cashback Milestones

Earn cashback based on your total eligible spending:

The more you spend (within eligible categories), the higher your cashback.

Eligibility Criteria

To qualify for the Love Ishq Aur Rewards offer:

• The offer is valid only for customers who have received the campaign communication via SMS / Push Notification / RCS / WhatsApp / SBM Credilio in-app message.

• Eligible spends must be completed between 10th February and 28th February 2026.

• The card must remain active until the cashback is credited.

• The offer is non-transferable.

Any transaction made before 10th February or after 28th February 2026 will not be considered.

Additional Spending Requirement

Customers must also:

• Spend a minimum of ₹2,000 in March 2026 and April 2026

• Keep the card active during this period

Failure to meet this requirement may result in disqualification from the cashback.

Cashback Credit Details

Cashback will be structured as follows:

• 1% regular cashback will be credited to your reward points balance.

• The remaining cashback amount will be credited separately.

Example:

If you spend ₹4,500:

• ₹30 (1%) will be credited as reward points.

• ₹120 will be credited separately.

• Total cashback earned = ₹150.

Cashback will be credited 90 days after all transactions are validated and full bill payment is completed.

If any of the February, March, or April credit card bills remain unpaid, you will not be eligible for the cashback.

Excluded Categories (No Cashback)

Cashback will NOT be applicable for transactions under the following MCC categories:

• Financial Institutions – Manual Cash Disbursements

• Foreign Currency / Money Orders

• Real Estate

• Stored Value Card Purchase/Load

• Lottery, Casino, Betting

• Political Organizations

• Security Brokers/Dealers

• Fuel Dealers

• Wallet Loads

• Rental Transactions

• Legal, Accounting & Educational Institutions

• Utility Payments

• Insurance

• Gift & Souvenir Shops

• Railways

• Quasi Cash Transactions

Please refer to official bank terms and conditions for the complete MCC list.

Delivery of Cashback Communication

If delivery via WhatsApp or RCS fails, Credilio will attempt to resend the message up to two additional times, followed by an SMS attempt.

Credilio is not responsible for failed delivery due to factors beyond its control.

Don’t Have the SBM Credilio Visa Credit Card?

If you do not yet own the SBM Credilio Visa Credit Card, you can apply now to start benefiting from such milestone-based cashback campaigns.

Final Thoughts

This campaign is ideal for cardholders who already have planned expenses during February. By strategically meeting the eligible spending milestone and ensuring timely bill payments, you can maximize cashback earnings up to ₹1,000.

Make sure to:

• Spend within the offer window

• Avoid excluded MCC categories

• Pay your bills in full

• Maintain minimum spending in March and April