Terms & Conditions

IndusInd Bank and BHIM: Credit Card Offer

Offer Details:

Offer Period:

The Offer shall be valid from 12:01 AM on 28th October 2026 to 11:59 PM on 15th November 2026, both dates inclusive ("Offer Period").

Offer Validity

• The ₹50 cashback offer is valid once per eligible customer during the Offer Period.
• The ₹5 cashback offer is valid for a maximum of 5 eligible transactions per customer during the Offer Period.
• The ₹25 cashback offer is valid for a maximum of 5 eligible transactions per customer during the Offer Period.
• Maximum aggregate cashback that can be earned by a customer under this campaign is ₹200.

Offer Specific Terms & Conditions

• The offer is applicable only on eligible IndusInd Bank RuPay Credit Cards linked on the BHIM App during the Offer Period.
• The offer is not applicable on IndusInd Bank CRED credit card.
• The ₹50 cashback shall be applicable only on the first-ever RuPay Credit Card linkage on the BHIM App and the first successful transaction of ₹50 or more completed using the linked RuPay Credit Card.
• The ₹5 cashback shall be applicable on successful merchant transactions of ₹100 or more carried out using the linked RuPay Credit Card on the BHIM App, subject to a maximum of 5 eligible transactions per customer.
• The ₹25 cashback shall be applicable on successful merchant transactions of ₹1,000 or more carried out using the linked RuPay Credit Card on the BHIM App, subject to a maximum of 5 eligible transactions per customer.
• Cashback shall be credited instantly or within such timeline as determined by BHIM/NPCI.
• The offer is intended solely for individual retail customers and shall not be applicable on commercial, institutional, corporate or business transactions.
• Person-to-Person (P2P) transfers, self-transfers, wallet loads, cash withdrawals, reversal transactions, disputed transactions, cancelled transactions, refunded transactions and failed transactions shall not qualify for the offer.
• The offer cannot be clubbed with any other cashback, discount, coupon, voucher, reward, promotion or scheme unless otherwise specified by BHIM.
• IndusInd Bank shall not be responsible for the fulfilment, processing, crediting or administration of cashback under this offer.
• Any query regarding cashback credit shall be raised within 30 days from the expiry of the Offer Period.
• IndusInd Bank and BHIM reserve the right to modify, extend, suspend or withdraw the offer and/or these terms and conditions at any time without prior notice.

Partner terms and conditions:

By participating in the Offer, the customer shall be deemed to have read, understood and accepted these Offer Terms.

Only successful eligible transactions completed during the Offer Period shall qualify for cashback.

1. Eligibility

The Offer is exclusively available to eligible customers who:

• hold an active and valid IndusInd Bank-issued RuPay Credit Card eligible for usage on UPI;
• are registered users of the BHIM Payments App;
• link or have linked their eligible IndusInd Bank RuPay Credit Card to UPI on the BHIM App; and
• make eligible merchant payments using the linked IndusInd Bank RuPay Credit Card on the BHIM App.

The Offer shall not be applicable where the relevant card or BHIM account is closed, blocked, suspended, delinquent or otherwise restricted.

Eligibility shall be determined based on records available with BHIM, and/or NPCI.

2. Offer Benefits

A. First-Time Linkage & First-Transaction Cashback

An eligible customer shall receive flat ₹50 instant cashback upon satisfying both of the following conditions:

• linking an eligible IndusInd Bank RuPay Credit Card to UPI on the BHIM App for the first time ever; and
• completing the first successful eligible transaction of ₹50 or more using the linked IndusInd Bank RuPay Credit Card on BHIM.

This benefit can be availed only once per eligible customer.

Customers who had already linked an eligible IndusInd Bank RuPay Credit Card on BHIM prior to the Offer Period shall not be eligible for the ₹50 first-time linkage benefit.

Customers who have already linked their any other RuPay Credit Card and transacted on BHIM Payments App prior to the Offer Period shall not be eligible for the ₹50 first-time linkage benefit.

B. ₹5 Transaction Cashback

An eligible customer shall receive flat ₹5 instant cashback on each successful eligible transaction of ₹100 or more made using the linked IndusInd Bank RuPay Credit Card on BHIM.

This benefit shall be applicable on a maximum of 5 eligible transactions per customer during the Offer Period.

The maximum cashback under this benefit shall be ₹25 per customer.

C. ₹25 Transaction Cashback

An eligible customer shall receive flat ₹25 instant cashback on each successful eligible transaction of ₹1,000 or more made using the linked IndusInd Bank RuPay Credit Card on BHIM.

This benefit shall be applicable on a maximum of 5 eligible transactions per customer during the Offer Period.

The maximum cashback under this benefit shall be ₹125 per customer.

3. Applicability of Cashback Benefits

Each cashback benefit under the Offer shall be independently applicable.

Accordingly, where a transaction satisfies the conditions of more than one cashback benefit, the customer may be eligible for cashback under each applicable benefit, subject to the respective eligibility conditions and transaction limits.

The maximum aggregate cashback available to an eligible customer during the Offer Period shall therefore be ₹200, comprising:

• up to ₹50 under the first-time linkage and first-transaction benefit;
• up to ₹25 under the ₹5 cashback benefit; and
• up to ₹125 under the ₹25 cashback benefit.

4. Eligible Transactions

An “Eligible Transaction” means a successful merchant payment that:

• is initiated and completed through the BHIM Payments App during the Offer Period;
• is made using an eligible IndusInd Bank RuPay Credit Card linked to UPI on BHIM;
• meets the applicable minimum transaction amount;
• is successfully authorised and processed; and
• is not subsequently cancelled, reversed, refunded, disputed or charged back.

The transaction amount and transaction status recorded in the systems of BHIM, IndusInd Bank and/or NPCI shall be considered for determining cashback eligibility.

5. Ineligible Transactions

The following transactions shall not qualify for cashback:

• person-to-person or peer-to-peer transactions;
• payments made to the customer's own account, card or UPI ID;
• transactions made using any payment instrument other than the eligible IndusInd Bank RuPay Credit Card;
• transactions undertaken through any UPI application other than the BHIM App;
• failed, pending, cancelled, reversed, refunded, disputed or charged-back transactions;
• cash withdrawals or cash-equivalent transactions;
• transactions made using a blocked, suspended, closed or otherwise ineligible card;
• transactions split artificially into multiple payments solely to obtain additional cashback;
• fraudulent, artificial, circular, collusive or self-initiated transactions; and
• transactions undertaken using multiple accounts, cards, mobile numbers or profiles with the intent of circumventing Offer limits.

6. Cashback Credit

Cashback shall be credited instantly after completion of a successful eligible transaction, subject to successful validation of the transaction.

In the event of a temporary technical, system or reconciliation issue, cashback may be credited after completion of the required transaction validation.

Cashback shall be credited through the cashback mechanism applicable to the campaign and to the eligible account mapped for the customer as per BHIM and IndusInd Bank records.

Cashback is non-transferable and cannot be exchanged for any other benefit.

7. Cancellation, Refund or Reversal

If an eligible transaction is subsequently cancelled, reversed, refunded, disputed, charged back or otherwise found to be ineligible, the corresponding cashback shall stand cancelled.

Where cashback has already been credited, BHIM and/or IndusInd Bank reserve the right to recover or adjust the cashback against any future cashback or benefit payable to the customer, as applicable.

8. Fraud and Misuse

BHIM and IndusInd Bank reserve the right to verify transactions and customer eligibility for the purpose of preventing misuse of the Offer.

Cashback may be withheld, cancelled or recovered if any transaction is found to be fraudulent, manipulated, artificial, collusive or inconsistent with the intent of the Offer.

Customers found attempting to circumvent the Offer conditions or transaction limits may be disqualified from the Offer.

9. Modification or Withdrawal of the Offer

BHIM and IndusInd Bank reserve the right to modify, extend, curtail, suspend, replace or withdraw the Offer, either wholly or partially, at any time based on business, operational, regulatory or campaign requirements.

Such changes may include changes to the:

• Offer Period;
• customer eligibility;
• minimum transaction values;
• cashback amount;
• number of eligible transactions;
• maximum cashback limits; or
• eligible transaction categories.

Any revised terms shall become effective from the date communicated through the BHIM App, IndusInd Bank's official communication channels or the relevant Offer communication.

10. Customer Complaints

For any query, transaction-related concern or cashback-related complaint pertaining to this Offer, customers may reach out to BHIM Support through the Help/Support section available on the BHIM Payments App.

Customers should provide the relevant transaction ID, transaction date, transaction amount and registered mobile number while raising a complaint.

Complaints shall be reviewed based on transaction and campaign records available with BHIM, IndusInd Bank and NPCI.

11. General Conditions

Participation in the Offer is voluntary.

The Offer cannot be combined with another BHIM or IndusInd Bank cashback offer on the same transaction unless specifically communicated otherwise.

BHIM and IndusInd Bank reserve the right to determine customer and transaction eligibility based on their respective system records.

These Offer Terms shall be read together with the applicable BHIM App terms and conditions, IndusInd Bank RuPay Credit Card terms and applicable RuPay/UPI terms.

The Offer shall be governed by the laws of India.

By participating in the Offer, the customer shall be deemed to have accepted these Terms and Conditions.

Definitions

Unless the context otherwise requires, the following terms shall have the meanings assigned below:

• "Bank" means IndusInd Bank Limited.
• "Cardholder" means a person holding a valid IndusInd Bank Card eligible for the respective offer.
• "Offer" means any promotional offer made available by the Bank in association with a Merchant.
• "Offer Period" means the period during which the respective Offer is valid, as communicated by the Bank and/or Merchant.
• "Merchant" means any establishment, retailer, service provider, platform, website, application or entity participating in the Offer.
• "Eligible Card" means an IndusInd Bank Card specified as eligible for a particular Offer.
• "Transaction" means a purchase transaction carried out using an Eligible Card and excludes fees, charges, interest, cash withdrawals, reversals, refunds, disputed, cancelled, fraudulent and unauthorized transactions.
• "Communication" means any communication sent by the Bank to customers through SMS, email, website, mobile application, statement inserts, digital channels, social media, or any other mode.

General Terms & Conditions

• The card account must be active, valid, and in good standing to be eligible for any offer.
• Offers are applicable only on Eligible Cards and Eligible Transactions as specified in the respective Offer Terms & Conditions.
• The Offer Period shall be as communicated by the Bank and/or Merchant from time to time.
• Participation in any Offer is purely voluntary and shall be deemed acceptance of the applicable Offer Terms & Conditions and these Standard Terms & Conditions.
• Any benefit under an Offer is non-transferable, non-negotiable and cannot be exchanged for cash unless specifically stated otherwise.
• The Merchant and/or the Bank reserve the right to add, alter, amend, modify, withdraw, suspend, extend or terminate any Offer and/or these Terms & Conditions at any time without prior notice and without assigning any reason.
• The Bank reserves the right to disqualify any Cardholder from availing the benefits of an Offer if any fraudulent activity, abuse, misuse, suspicious activity or violation of the Offer Terms & Conditions is identified.
• The Bank shall not be responsible for any failure by the Merchant to honour the Offer.
• The Bank does not endorse any product or service offered by any Merchant and makes no representation regarding the quality, merchantability, suitability, availability, delivery, warranty or after-sales service of any products or services offered by the Merchant.
• Any dispute regarding product quality, service quality, delivery, fulfilment, warranty, replacement, refund or customer service shall be resolved directly between the Cardholder and the Merchant without any reference to the Bank.
• The Bank shall not be liable for any loss, damage, claim, costs, charges or expenses arising from or related to goods purchased or services availed under any Offer.
• The Bank shall not be liable for any indirect, incidental, consequential, special or punitive damages arising out of or in connection with any Offer.
• The Bank shall not be responsible if an Offer cannot be availed due to technical issues including but not limited to system failure, communication network failure, internet congestion, downtime, force majeure events, or any other reasons beyond the reasonable control of the Bank.
• Images used in promotional materials are for illustrative purposes only.
• The Offer shall not be available wherever prohibited under applicable law or regulation.
• Logos, brand names and trademarks used in relation to any Offer belong to their respective owners. Their use does not imply endorsement by the Bank.
• The Cardholder agrees to indemnify and hold harmless the Bank and the Merchant against any claims, losses, damages, liabilities, costs and expenses arising from breach of these Terms & Conditions, violation of applicable laws or misuse of the Offer by the Cardholder.
• The Bank's decision in all matters relating to any Offer, including determination of eligibility, interpretation of terms and resolution of disputes relating to Offer benefits, shall be final and binding.
• Products and services offered under any Offer are subject to availability with the Merchant.
• All taxes, duties, levies, goods and services tax, or any other statutory charges payable in connection with the Offer shall be borne solely by the Cardholder.
• If a Cardholder ceases to be a customer of the Bank or if the Card account is blocked, cancelled, suspended, delinquent or closed during the Offer Period, the Bank reserves the right to withdraw the Offer benefit.
• These Standard Terms & Conditions are in addition to and not in substitution of the Cardmember Agreement, Most Important Terms & Conditions (MITC) and other applicable terms governing the use of IndusInd Bank Cards.
• In case of any inconsistency between the Offer-specific Terms & Conditions and these Standard Terms & Conditions, the Offer-specific Terms & Conditions shall prevail to the extent of such inconsistency.
• The Offer shall be governed by and construed in accordance with the laws of India.