Welcome Cashback Offer – Terms & Conditions

Offer :

• Get 10% cashback on cumulative spends, up to ₹100.
• To qualify, make at least 2 purchase transactions with total spends of ₹500 or more during the offer period.
• Offer period will be as specified in the Email or SMS communication.
• This offer is valid only for selected IndusInd Bank Credit Card customers who have received the communication on their registered mobile number or email ID.

Generic Terms & Conditions:

• Cashback Program (“Program”) is open to Selected Credit Cardholders of IndusInd Bank Limited (“IndusInd Bank”/” Bank”), who have a valid and open IndusInd Bank Credit Card and who have received communication regarding the offer (“Eligible Cardholders” and “Eligible Card Account”)
• Fulfillment of the offer will be done within 60 days of the end of the Program Period
• This Program is only valid for transactions done and settled between Offer Validity date mentioned in the communication. Here, “settled” means, transactions which are successfully posted to bank server. If for any transaction for which settlement is done at a later date (outside offer period) due to delayed settlement by merchant or what so ever reason, bank will not be obliged to pay any benefit and the same transaction will not be counted as eligible spend
• 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. All Purchase transactions will be considered for the purpose of calculating achievement towards the Spend Levels.
• 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)

Exclusion to Spends:

• All Purchase transactions will be considered for the purpose of calculating Achievement towards the Spend Levels.
• Cash Withdrawals, Fees, Interest Charges, and any other charges, Loan taken on the Credit Card and any transaction other than a Purchase Transaction will not be considered for the purpose of calculating achievement towards the Spend Levels.
• Purchase Reversal Transaction Amount posted on Cardholder’s Card Account during the Program Period + 14 (fourteen) 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
• In case a Cardholder, is holding two or more Eligible Credit Cards from IndusInd Bank, 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
• Upon meeting the Qualification Criterion, the Cardholder will be eligible for Bonus Reward Points/Brand Voucher as per the SMS/Email communication received.
• Credit Card usage is for personal use only. In case the Bank notices unusual and abnormal transaction patterns in the use of the Card, the Bank will try to establish contact with the customer on the registered phone number of the customer available on its records to verify the bonafideness of the card transaction.
• Failure on the part of the Bank to establish contact with the customer, the Bank may restrict/terminate the use of the Card without any further notice, and the benefit of this program may be withdrawn
• 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
• In case the Cardholder has any issues/disputes regarding the Offer, he/she must raise his or her concerns before 3 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