What is a Credit Note and how is it different from a Return Voucher? Hiren Parmer February 22, 2019 05:33 Updated Follow When you return a product to one of our stores, you can choose to receive your refund as a Credit Note. This Credit Note can be used to shop any Home Centre product online or in-store. If you pay using Cash on Delivery or SADAD and then return your product either by initiating a request online or by arranging a pick-up, you'll receive your refund to My Credit in your account or in the form of a Return Voucher (if you're a guest user). Both Credit Notes and Return Vouchers are valid for 6 months from the date of issue and must be spent in a single transaction. Comments 0 comments Please sign in to leave a comment.