1. Acceptance of Terms

Last updated June 18, 2025

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Thank you for using PiePay! This page covers terms and conditions of different credit cards pertaining to discounts, cashback, offers and their redemption. Kindly note that this is not the exhaustive list of terms of the credit cards mentioned below, for that you should visit the website of respective credit card company.​

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1. Flipkart Axis Bank Credit Card

   • Last update in terms w.e.f. 20th June '25

   • Cashback %: 5%

   • Cashback limit: ₹4,000 per statement quarter

   • Cashback earned for purchases during a statement month will be credited within 3 days prior to the next statement generation date.​

2. SBI Cashback Card

   • Cashback %: 5%

   • Cashback limit: ₹5,000 per statement cycle

   • Cashback is posted within two working days of the statement generation of respective cycle.

   • The maximum card cashback that can be earned cumulative of online and offline spends is ₹5,000.

3. HDFC Millennia Credit Card​

   • Cashback %: 5%

   • Cashback limit: ₹1,000 per calendar month

     • CashBack will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only).

     • The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1

     • The minimum CashPoint balance required for redemption against the statement balance is 500 CashPoints.

     • Cardholder can redeem CashPoints as CashBack against their outstanding on the Millennia Credit Card.The CashPoints will be posted on calendar month basis, the transaction settled in the system between1st to 30/31st of the calendar month will be posted in the 1st week of the subsequent calendar month.

     • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.30.

     • Unredeemed CashPoints will expire/lapse after 2 year of accumulation

   • Cardholder will receive ₹1,000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter

4. Swiggy HDFC Bank Credit Card​

   • Cashback %: 5%

   • Cashback limit: ₹1,500 per statement cycle

   • Cashback earned for current billing cycle will be auto redeemed against outstanding amount due for the subsequent cycle.

   • In order to earn cashback using Swiggy HDFC Bank Credit Card, the cardholder should make a minimum transaction of Rs. 100 using the card.

5. HDFC Bank MoneyBack+ Credit Card​

   • Cashback %: 3.3%

   • Cashback limit: ₹625 per calendar month (2,500 Cashpoints)

   • CashBack is given in the form of CashPoints. CashPoints can be utilised towards CashBack redemption against the statement at the rate of 1 CashPoint = ₹0.25

   • The CashPoints will be posted on calendar month basis, the transaction settled in the system between 1st to 30/31st of the calendar month will be posted in the 1st week of the subsequent calendar month. Cardholders can redeem them as CashBack/Reward catalog/SmartBuy Travel on the MoneyBack+ Credit Card

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It is important to familiarise yourself with the terms and conditions of the credit cards that you use. The information provided herein is intended solely for general guidance and ease of comprehension. It does not constitute a complete or authoritative statement. Users are advised to consult the official sources or websites for definitive and current information.

PiePay provides a financial technology platform that enables users to manage their finances, make payments, and access various financial services. We reserve the right to modify or discontinue any part of our services at any time.

3. User Responsibilities

PiePay is not liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services. Our total liability to you for any claims shall not exceed the amount you paid to us, if any, for the use of the services.

5. Dispute Resolution

6. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.

If you have any questions about these Terms of Service, please contact us at support@piepay.com.

We reserve the right to modify these Terms of Service at any time. We will notify you of any changes by posting the updated terms on our website. Your continued use of our services after such changes constitutes your acceptance of the new terms.