As soon as you make a purchase on Tata CLiQ Palette using the EMI payment mode, you will see the full amount of the product being charged to your card. It will take the bank a few days (the time frame varies from bank to bank) to convert this into an EMI.
From your next card billing cycle, you will be charged the EMI amount and the credit limit of your card will be reduced by the outstanding amount.
For example, if you have made a three-month EMI purchase of RS 25,000 and your credit limit is RS 1,00,000, your bank will block your credit limit by RS 25,000 and thus your available credit limit after the purchase will only be RS 75,000. As and when you pay your EMI every month, your credit limit will be increased. For more information, please contact your bank.
If you cancel an order payed for using the EMI option, Tata CLiQ Palette will refund the purchase amount to you immediately and the EMI on your card will be cancelled. For more information or to know how the EMI scheme on your credit card has been modified, we suggest you contact your bank.
We have multiple payment modes available to help you pay quickly, safely and convineinently. On the payment page after you add your product in your card, you will be able to see all available payment modes against your order.
Usually, you can pay using your Netbanking account, credit and debit cards, UPI or cash on delivery. Large value purchases offer an additional EMI payment option.
Cash on Delivery payment option allows you to pay the order value to the delivery agent in cash at the time of delivery. Please note that this option is only available at selective PIN codes. Eligibility of COD payment option can be checked at the payment page of the order.
As per the latest rules by the RBI, we dont save card details such as card holder name, card number and expiry date (excluding your CVV number) personally with us. In case you explicitly allow us to save your card details to enable faster checkout, they are saved in 'Saved Cards' under 'My Account' section. After this, everytime you make a purchase you just need to enter your CVV pin.
In case you explicitly allow us to save your card details to enable faster checkout, your cards are listed in 'Saved Cards' available under 'My Account' section. You can choose to delete the card information by going back to 'Saved card' location.
On rare occasions, there is a slight system delay in sending confirmation Emails and SMSes. If you do not receive a confirmation from us within 10-15 minutes of placing the order, contact us by clicking here.
You can save as many cards as you like on Tata CLiQ Palette. We will not keep any details of any of these card with us personally but following the latest RBI rules, they will be saved in 'My Account', 'Saved cards' section.
If you have typed an incorrect card number, name or expiry date, you can delete the card by visiting the 'Saved Cards' section in 'My Account'.
The ""Saved Card"" feature lets you view the details of credit/debit cards you have saved to in your Tata CLiQ Palette account. This helps you complete transactions in a quick and easy way.
Please note: We will not keep any details of your card with us personally but following the latest RBI rules, they will be saved in 'My Account', 'Saved cards' section.
This means that Tata CLiQ Palette hasn't received a payment confirmation from your bank against your order so far. If your amount has already been deducted, we should receive it in a while and your order will be confirmed to you shortly. In case we are not able to confirm your order, the amount will be reversed in your account or card automatically. The amount refunded will reflect in your account within 4-5 working days. Some bank may take 10-15 working days.
We suggest you place a fresh order with us if the current order is not confirmed within an hour of making payment.
Payment Timeouts happen in case we're unable to get a confirmation of the payment from your bank. In such cases, any amount deducted from your bank account or card is automatically refunded. The amount refunded will reflect in your account within 4-5 working days. Some bank may take 10-15 working days.
We suggest you place a fresh order with us in this case.
All credit/debit card payments on Tata CLiQ Palette are processed through secure and trusted payment gateways managed by leading banks. We are Payment Card Industry Data Security Standard (PCI DSS) compliant.
PCI DSS is a proprietary information security standard for organisations that handle branded credit cards from the major card schemes including Visa, MasterCard, American Express, Discover, and JCB. The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard helps in increased controls around cardholder data to reduce card fraud.
Further, following the latest RBI guidelines regarding online card transactions, we dont save any card details in our database personally. Instead they are safely saved in 'My Account', 'Saved cards' section.
Following the latest RBI guidelines regarding online card transactions, we dont save any card details in our database personally. Instead they are safely saved under 'My Account', 'Saved cards' section for your reference.
Card payments on Tata CLiQ Palette are monitored closely and any suspicious activity can lead to the transaction go through extensive checks.
In situations where we suspect fraud, the suspect transaction is kept on hold as we ask for relevant documents as proof. This is to ensure that transactions are genuine and authorised.
This information is available at "Checkout" after product is added to cart. The EMI plan, including interest rates and the amount charged by the bank will appear once you select the EMI payment option from amongst the available payment modes.
Yes, you can pay via all credit cards branded by Visa, Rupay, MasterCard or American Express issued in India, irrespective of the bank.
Of course you can, if your saved credit/debit card is eligible under your bank's EMI programme.
Yes, you can pay via all debit cards branded by Visa, Rupay, MasterCard or Maestro issued in India, irrespective of the bank.
The Cash on Delivery (COD) payment option is usually available across most items and pincodes at Tata CLiQ Palette.
We suggest you check its availability on the payment page after adding the product to cart and make sure your order value falls within the COD eligibility range, which is between Rs. 249 and Rs. 20,000.
Payment modes available are common across app and websites.
We have multiple payment modes available to help you pay quickly, safely and convineinently. On the payment page after you add your product in your cart, you will be able to see all available payment modes against your order.
Usually, you can pay using your Netbanking account, credit and debit cards, UPI or cash on delivery.
You will receive your 3D Secure password by registering your credit/debit card on your bank's website.
Tokenisation refers to replacement of actual or clear card number with an alternate code called the “Token” which must be unique for a combination of card, token requestor, and merchant. It is as per the RBI rule to offer enhanced card security.
As the actual card information is not shared / stored with us as a merchant, any transaction made via token number is the new and safest way to pay for any future order/s.
Although, tokenization of a card is not mandatory, the RBI has prohibited the saving of a card without tokenizing it. As a result, if you do not tokenize your card, we will delete all your saved cards effective September 30th, 2022 and you will have to enter the full card number every time you want to pay for the order.
Until September 30, 2022, you may consent to the tokenization of all your saved card information. Navigate to the payments page, select your card, provide consent and OTP to tokenize your card information.
Currently, we support only Indian issued credit and debit cards network under VISA, Mastercard, and Rupay. In future, support for other network cards will be added as and when they are ready.
A checkbox that asks you to confirm your consent will appear when you add a new card or choose a saved card to make a purchase. Just check the box to proceed while paying with that card. Upon completion of the payment, your consent will be successfully obtained.
Yes, as per RBI guidelines, each card should be saved separately.
Yes, each user must individually save the card across all their accounts.
No, there are no fees associated with tokenization/saving your card.
As tokenization is a new feature, there may be issues that prevent you from tokenizing your card. It is recommended that you attempt this process again later
Here is a quick guide for you to follow and remove tokenized cards in a jiffy!
· Navigate to the "Saved Payments" section in My Account.
· From the list of cards you've tokenized with us select the card you wish to remove.
· The tokenized card will be removed once you click on "remove."
Alternately, you may reach out to our customer service team to help you with the same.