Terms and Conditions for “Special Campaign”

• ‘Special Campaign’ (“Program”) is open to Selected Credit Cardholders of IndusInd Bank Limited (“IndusInd Bank”/” Bank”), who have a valid and eligible IndusInd Bank Credit Card and who have received communication regarding the offer (“Eligible Cardholders” and “Eligible Card Account”)
• Eligible Cardholders have to achieve a minimum spend level as communicated in the SMS/Email to qualify for the offer. The Spend thresholds have been set for each Cardholder depending on factors such as, but not limited to, credit history, purchase patterns, payment behaviour, credit limit, loyalty and vintage of the Cardholder
• For the purpose of this Program, spends would mean the sum of all Purchase Transactions done using the IndusInd Bank Credit Card through Point of Sale (Card Present) Purchase, Online or E-Commerce/M-Commerce Internet Transaction, IVR Transaction, Mail Order/Telephone Order Transaction
• Cards not eligible for the said program: Qatar/British Airway Avios Credit Card, Eazydiner Indusind Bank, Platinum Credit Card, Eazydiner Credit Card, Club Vistara Explorer Credit Card, Intermiles Odyssey Credit Card, Intermiles Voyage Credit Card, Indusind Bank Tiger Credit Card, Samman Credit Card, Platinum Aura Edge Credit Card, Government Aura Edge Credit Card
• Cardholder will be eligible for benefits under this Program only if the eligible Spends are equal to or greater than the Minimum Spend Level (Qualification Criterion) 
• No bonus reward point will be posted to the card, if the customer upgrades/downgrades the card to any other product before fulfilment of the offer
• Upon meeting the Qualification Criterion, the Cardholder will be eligible for Bonus Reward Points as per the SMS/Email communication received 

Example: If a Customer has received communication for 5X Reward Points; under this program, 5X Reward Points mean, the Reward Points earned under normal course (mentioned against the transaction in the statement) plus 4 times the bonus Reward Points (which will be credited later as Bonus Rewards on the fulfilment date). Please note, in case normal reward points are not credited to the account due to whatsoever reason (such as pre-paying and spending over credit limit) bonus multiplier will not be applicable for those transactions

• Maximum Reward Points that can be earned under this program is as per communication
• Spends made using Add-on cards will accrue in the account of the Primary Cardholder under this Program. 
• Only Settled Transactions; i.e. Transactions done during the Program Period and which have been successfully posted into the Cardholder’s Card Account within the offer period will be considered for calculating achievement under this Program. The Bank will not be responsible if a Transaction Authorized by the Bank has not been settled by the Merchant
• Purchase Reversal Transaction Amount posted on Cardholder’s Card Account during the Program Period + 7 (Seven) Calendar Days will be deducted from the eligible Spends for the Purpose of calculating Spends Achievement irrespective of whether the Original Transaction corresponding to this Reversal was done during the Program Period or before the Program Period
• Fulfillment of the offer will be done within 90 days of the end of the Program Period
• Any Credit card transaction made in the below categories will not be considered as an eligible transaction

  Merchant Category Code	Merchant Category
  7322	Collection Agencies
  6540	E-Wallets
  9311	Tax Payments
  8211, 8220, 8241, 8244, 8249, 8299	Educational Fee Payment
  6513	Rental Payments

• To be eligible for participating in the Program, the Cardholder must maintain a clean payment record in respect of his/her Card; i.e. the Cardholder should not have failed to pay the minimum amount due on his/her Card during the Offer Period or at the time of evaluation of the winners
• In case a Cardholder, is holding two or more Eligible Credit Cards from IndusInd Bank, the minimum spend thresholds on each Card account may differ. In such a scenario, the Spends done on one Card account will not be added/clubbed with Spends done on the other Card account. Each Credit Card account will be considered separately 
• IndusInd Bank shall not be liable or responsible for non-receipt or delivery of any SMS/other communication relating to this Program due to any reason beyond the control of IndusInd Bank. IndusInd Bank reserves the right to modify/amend any communication/SMS related to the Program at any later date during the Program Period
• All applicable taxes, duties, levies of whatsoever nature in connection with the Program shall be borne solely by the Cardholder
• The participation in the Program shall constitute deemed acceptance by the Card member of all the terms and conditions governing the Program
• The Bank at its sole discretion can decide Cardholders who can avail this Program. Delinquent Credit Card members will not be eligible for the benefits of this offer. "Delinquent Credit Card Account" means an account of a Cardholder which has outstanding which is past due or which, in the sole opinion of the Bank, has unsatisfactory credit standing. Cardholders, whose Credit Card accounts are currently delinquent or become delinquent at any time before the Fulfillment Date, will be ineligible for the benefits of this Program
• If the Cardholder ceases to be a Cardholder at any time during the Program Period or before the Fulfillment Date, all benefits under the Program shall lapse. This includes any relationship terminated either by the Bank or the Cardholder 
• In all matters relating to the Program, the decision of IndusInd Bank shall be final and binding in all respects 
• The Bank reserves the right at any time without prior notice to add, alter, modify, all or any of these terms and conditions or replace, wholly or in part, this Program by any other Program, whether similar or different to this Program or to withdraw it altogether without giving prior notice
• The terms and conditions of the Program shall be in addition to and not in substitution/derogation to the Primary Terms and Conditions governing the Card and shall at all times be read along with the terms of the Cardholders’ Agreement and such other terms and conditions that the Bank may deem appropriate in its sole discretion. Any irreconcilable contradiction between the terms and conditions contained herein and the Cardholders’ Agreement, then the terms of the Cardholders’ Agreement to prevail the present conditions
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• In case the Cardholder has any issues/disputes regarding the Offer, he/she must raise his or her concerns before 4 months of the offer end date. Any disputes raised post this date will not be entertained by the Bank. Any disputes arising out of this Program shall be subject to the exclusive jurisdiction of competent courts in Mumbai only