Cashback Campaign - Utilities

Offer Terms & Conditions:

• The IndusInd Bank Limited (“IndusInd Bank” or “Bank”) “Special Campaign on “Utility Payments” (Program) is open to customers holding a valid and open IndusInd Bank Credit Card and who have received communication regarding the offer (“Eligible Cardholders”)
• Minimum utility spend required to qualify for the campaign will be as specified in the communication received via Email, SMS, RCS, or WhatsApp
• Maximum cashback a customer can earn will be as per the communication received via Email, SMS, RCS, or WhatsApp
• Validity of the campaign will be as per the communication received
• Here Utility Bill payment transactions means Electricity, Gas, Mobile etc bill payments captured under Merchant Category Code (MCC) – 04814, 04816, 04900, 04899 & 04815, defined by Network Partners will only be considered for cash back.
• Cashback will be posted to the card account within 90 Days from the end of offer period
• Please note, there is no change in the existing fee on Utility payments. For more information on fee please visit
  • Non-Pioneer Customers: https://www.indusind.bank.in/content/dam/indusind-corporate/Other/TC_1percent_Fee_on_Utility_and_Wallet_Load.pdf
  • Pioneer Customers: https://www.indusind.bank.in/in/en/personal/offer-tnc/1perc-fee-on-utility-and-wallet-loading-tnc.html

General Terms & Conditions:

• This Program is only valid for transactions done between dates communicated to the customer, hereafter termed as offer period/program period
• Only Settled Transactions; i.e. Transactions done during the Program Period and which have been successfully posted into the Cardholder’s Card Account during 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
• Transactions which are reversed, will not be considered for cashback
• 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, either/both of the Credit Cards account may be eligible for the offer as per communication received
• 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 Fulfilment 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 Fulfilment 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
• In case the Cardholder has any issues/disputes regarding the Offer, he/she must raise his or her concerns within 90 days from the program 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