 and prevent someone from using them to gain unauthorized access. Really paranoid users will want to change passwords just to be on the safe side.
The incident is the latest example of someone acquiring an established browser extension or Android app and using it to infect the large user base that has already installed it. It is difficult to give useful advice to prevent this kind of abuse. The Nano extensions were not just another operation. Users had every reason to believe they were safe until, of course, that was no longer the case. The best advice is to regularly check installed extensions. Everything that is no longer used should be removed.
Introducing the InstaCard.
Instant loans for instant needs.
You can now use your InstaCard to avail pre-approved loans* up to Rs. 1 lakh across online and offline channels covering categories such as lifestyle, home improvement, education, health, travel, furniture,appliances etc.
Simply step into a store like Big Bazaar, Shoppers Stop, Max Fashion or visit an e-commerce partner site such as Amazon or Flipkart and start purchasing with InstaCard.
Use this card at stores which cover categories such as lifestyle, home improvement, education, health, travel, furniture, appliances etc.
Plan your EMIs according to your convenience. Divide your purchase into easy EMIs of 3, 6, 12, 18 or 24 months.
Set purchase limit via the Saathi app/ TVS Credit Website/Toll Free Number(1800 102 2468) and swipe your card to get instant EMI conversion.
Visit any merchant outlet that is empanelled with TVS Credit and share your mobile number to avail zero cost EMI*.
Enjoy access to online shopping with InstaCard by entering the OTP shared on your registered mobile number at the time of the transaction.
Enjoy zero processing fee on every transaction.
Sofa, Bed, Tables, Wardrobes, Mattress, etc.
Apparels, Modular kitchen, Interior décor, Accessories, etc.
Air cooler, Water purifier, Grinder, and much more.
Flipkart, Amazon, Makemytrip, etc.
Building materials, Hardware, Paints, Electricals, etc.
Accessories, Repairs and Services.
School fees, Special courses, Online programmes, etc.
Doctor’s fees, Hospitalisation, Medical equipment, Pharmacy bills, etc.
Tour packages, Flight tickets, Hotel bookings, etc.
Instacard interest charges-2%* per month (i.e) 24%* per annum.
Customers should be between 21 to 58 years of age.
The InstaCard programme is open only to select customers*.
All programme enroled customers should repay their parent loan without any default.
InstaCard issuance will be at the sole discretion of TVS Credit Services Limited. Other terms and conditions apply.
You can activate your InstaCard by visiting the InstaCard page on TVS Credit Website/ TVS Credit Saathi app/ by calling the Toll Free Number(1800 102 2468) and mentioning the last4 digits of your card and your Date of Birth.
You will receive an OTP on your registered mobile number for validation. Input the OTP on the TVS Credit website/ TVS Credit Saathi app/ on the call to our Toll Free Number.
Upon validation of the OTP, your InstaCard will be activated.
You need to set the purchase limit before any card transaction.
Select Set purchase limit option on Saathi app/ Website / Calling Toll Free Number(1800 102 2468).
Enter the loan amount desired -> Select the EMI tenure -> Confirm the Date of Birth -> Confirm your address ->Submit.
You will receive a confirmation via SMS to your registered mobile number.
Post successful setting the purchase limit, you can start shopping for your favourite product/service using the InstaCard.
Enrollment fee for InstaCard (Non-refundable fee): Rs.444/- (Inclusive of GST charges). Enrollment fee will be a one time fee for card issuance.
How do I activate my InstaCard?
Where can I use my InstaCard?
You can use your InstaCard for a minimum transaction of Rs.5000 at any of the select merchant establishments across India.
How does my transaction convert into a loan/EMI?
All transactions are converted into a loan with EMI options having a monthly interest rate of 2%*. Please refer to the grid below to understand the repayment tenure options.
How many loan transactions can I avail using my InstaCard?
You can avail a maximum of three parallel loans within the approved limit using your InstaCard subject to terms and conditions communicated from time to time.
What is the minimum and maximum cap for a single transaction?
You can swipe the card for a minimum transaction amount of Rs.5000 and a maximum transaction amount of Rs.50000 in a single transaction.
How do I use my InstaCard post activation?
Select Set purchase limit on TVS Credit Saathi app/ Website /calling Toll free number(1800 102 2468).
Could I use my InstaCard for purchases outside India?
No, your InstaCard can’t be used for purchases outside India. It is also not valid for payments in foreign exchange in Nepal and Bhutan. It is valid for use only in India and for payments made in Indian Rupees.
Could I use my InstaCard for online purchases?
Yes, you can use your InstaCard for online purchases on e-commerce websites.
How do I check the balance on my InstaCard?
You can check your InstaCard balance on the TVS Credit Saathi App or by speaking to our customer care executive on 1800 102 2468. Moreover, you will also receive an SMS of the available balance to your registered mobile number post any purchase.
What should I do if my InstaCard is lost or stolen?
Call us at 1800 102 2468 from your registered mobile number and raise a card block request, so that the card can be blocked. You can then apply for a replacement card. Please note that the cardholder will be responsible for any usage of the card till the time it is blocked.
When will I receive the physical InstaCard?
The physical InstaCard will be dispatched to your registered address within 28 working days of activation of your virtual InstaCard.
Will I be charged interest from the date of Set purchase limit on the InstaCard?
No. You will be charged interest only after performing the transaction on your InstaCard.
From which bank account will my monthly EMI be debited?
Your monthly EMI will be debited from the same bank account registered with us for your previous loan.
How can I access my Virtual InstaCard?
You can access your virtual InstaCard by logging in to the TVS Credit Saathi app. The virtual InstaCard link on the app will give you all card related details such as the card number, validity and CVV number. Using your virtual InstaCard you can make online purchases and payments across various categories such as retail, healthcare, groceries etc.
Where do I reach out in case of any queries or assistance with regards to my InstaCard?
In connection with the loan availed by the borrower (“Borrower”) under the loan agreement (“Master Loan Agreement”), the Borrower has opted to enroll in the InstaCard programme (defined below) offered by TVS Credit Services Limited (“TVS Credit/Company”), wherein the Borrower, subject to fulfilling the eligibility criteria, will be eligible for a credit limit sanction on InstaCard from a Bank/Prepaid Instrument Issuer (“PPI Issuer”) to avail the aforesaid credit facility.
The terms and conditions (“Terms and Conditions”) mentioned herein are applicable to the enrolment to the InstaCard programme by the Borrower. These Terms and Conditions read with the terms of the Master Loan Agreement constitute the entire agreement between TVS Credit and the Borrower, as amended from time to time.
By completing the sign-up process for enrolment under the InstaCard programme, the Borrower is deemed to have expressly read, understood, accepted and be bound by the Terms and Conditions set out herein. TVS Credit reserves the right to change, at any time,these terms and conditions, features and benefits offered under the InstaCard programme including, without limitation to, changes which affect existing balances, methods of calculation. The eligible Borrower agrees that he shall be liable for all charges and other obligations under the revised terms.
(b)“InstaCard” shall mean a pre-paid(RuPay/Visa)/any other card issued to Borrower by the PPI Issuer.
(c)“Charges” means such charges as set out in these terms and conditions. All details mentioned herein shall be provided in the loan term sheet unless specifically communicated to the Borrower and as amended from time to time.
(d)“Charge Slip” means the voucher printed after using InstaCard in a swipe to pay for any transactions performed using the card. It indicates the details of the transaction such as the amount, time of the transaction, date, location etc.
(e“EMI/Equated Monthly Instalments” shall mean the amount payable every month by the Borrower to TVS Credit comprising of principal amount, interest and other charges, as the case maybe.
(f)“InstaCard - Application Form” shall mean and include the application agreed, executed/to be executed by the Borrower in the