Terms & Conditions - Rewardz Festival 2025

Offer terms and conditions

• Participation in the Rewardz Festival 2025 is subject to customer Opt-in 
• Eligible customers will receive Opt-In communication via Email/ SMS/ RCS/ WhatsApp, detailing the Opt-In window 
• Customer Registration: The Program is only applicable to Cardholders who have received communication for registration and expressed their interest to participate in The Rewardz Festival’25 during the registration period. Cardholders can register their interest through any of the following modes and get a registration confirmation: 
  • By Clicking on the Link provided in the Email/ SMS/ RCS/ WhatsApp sent to the customer’s registered Email ID/ Registered mobile number 
  • By Calling the Customer Service helpline:  
    Within India - 18602677777 
    Outside India - 022-42207777 / 022-44066666 
• During Opt-In, customers must select one Reward Type (Bonus Reward Points / Brand Voucher / Cashback) linked to a specified spend target. Selection of the Reward Type is mandatory to participate. If not selected default Reward Type (Bonus Reward Points) will be considered in Opt-In 
• Upon successful Opt-In and offer selection, customers will receive an acknowledgment number via SMS confirming their enrollment. 
• The selected Reward Type will not be changed under any circumstances. 
• To get the chosen reward, customers must meet the communicated spend target within the offer period. 
• The offer is valid from 22nd September 2025 to 31st October 2025. 
• This offer is applicable only to selected IndusInd Bank Credit Card holders who have received official communication on their registered mobile number or email ID. 
• Participation is entirely voluntary and deemed to be at the discretion of the cardholder. 

General terms and conditions

• The IndusInd Bank Limited (“IndusInd Bank” or “Bank”) “The Rewardz Festival” offer (Program) is open to selected customers holding a valid and open IndusInd Bank Credit Card (Cardholder) 
• Only those customers who have received communication on their registered Email ID/Mobile number and have successfully registered for the program will be considered as valid customers for the purpose of participation. 
• Excluded Cards: The program is not applicable to IndusInd Bank Corporate Cards, IndusInd Bank Classic/Gold Credit Cards, InterMiles IndusInd Bank Odyssey Credit Card, InterMiles IndusInd Bank Voyage Credit Card, IndusInd Bank WorldMiles Credit Card and IndusInd Bank Chelsea Credit Card (“excluded cards”), Aura Edge Govt. Credit Card, Samman Credit Card. 
• Only those Cardholders who have successfully registered within the registration window and have received the acknowledgement of participation will be eligible for the benefits under this Program. 
• The bank shall not be held responsible for any failure in the delivery of communication that occurs due to circumstances beyond its control. 
• The Spend Target/ Thresholds have been set for each Cardholder depending on factors such as, but not limited to, credit history, purchase patterns, payment behavior, credit limit, loyalty, maximum historic spend 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, Unified Payment Interface (UPI) transactions made on RuPay (if applicable), IVR Transaction, Mail Order/Telephone Order Transaction, Payment towards Standing Instruction executed during the offer period. 
• Exclusion to spends: 
  • All Purchase transactions for payment of Rent & Real Estate Payments (MCC 6513), Wallet loading payment (MCC 6540,6538) will NOT be considered for the purpose of calculating Achievement towards the Spend threshold 
  • Cash Withdrawals, Fees, Interest Charges, and any other charges, EMI, 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 threshold 
• Cardholder will be eligible for benefits under this Program only if the Spends are equal to or greater than the Minimum Spend target selected by the customer during the Opt-in. 
• If any Customer is holding multiple eligible cards, any or both of the cards may be eligible. In such case, transactions on both the cards will be treated separately for the purpose of calculation of eligible total spends. 
• Upon meeting the Qualification Criterion, the Cardholder will be eligible for Bonus Reward Points / Brand Voucher / Cashback as selected by the customer during the Opt-in. 
• Offer selected during the Opt-In will not be exchanged with other Reward Type in any manner. 
• 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. 

Illustrative Example: 

Rahul is an IndusInd Bank Credit Card holder who has successfully registered and received the Spends Target of Rs. 1,00,000 

Scenario 1: Rahul spent Rs. 1,00,000 including both eligible and ineligible category spends.

Rahul will not be eligible for any benefit, since he has not achieved his target 

Scenario 2: Rahul spent Rs. 1,20,000 out of which Rs. 1,00,000 is eligible spends and Rs. 20,000 falls under excluded spends category.

Rahul will be eligible for the benefit basis the eligible spends 

Fulfilment:

• Purchase Reversal Transactions posted on Cardholder’s Card Account during the communicated offer period plus two weeks, will be deducted from the Spends for the Purpose of calculating threshold Achievement, irrespective of whether the Original Transaction corresponding to this Reversal was done during the Program Period or before the 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 communicated 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. 
• Bonus Reward Points / Brand Voucher / Cashback under this Program will be credited/posted to the Cardholder’s Credit Card account within 90 days from the date of end of campaign period. 
• In case the Cardholder has any issues/disputes regarding the Bonus Reward Points / Brand Voucher / Cashback, he/she must raise his or her concerns before March 31, 2026. Any disputes raised post this date will not be entertained by the Bank. 

Other Generic Terms & Conditions & Definitions:

• Spends made using the Add-on Credit Card(s) will accrue in the account of the Primary Cardholder for calculating Achievement under this Program. 
• 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. 
• If a customer upgrades his/her card before fulfilment of the campaign, benefit will be posted to the upgraded card i.e. latest issued card (except excluded cards) 
• To be eligible for participating in the Program, the Cardholder must maintain a clean payment record in respect of his/her Credit Card, i.e., the Cardholder should not have failed to pay the minimum amount due on his/her Card during the Offer Period or before fulfilment of the program benefit. 
• 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. 
• The participation in the Program shall constitute deemed acceptance by the Cardholder of all the terms and conditions governing the Program. 
• All applicable taxes, duties, levies of whatsoever nature in connection with the Program shall be borne solely by the Cardholder. 
• 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 an 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 communication of the offer or during the Offer Period, 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 or after the communication of the offer until fulfilment of offer benefit is completed, 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 at 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. 
• Any disputes arising out of this Program shall be subject to the exclusive jurisdiction of competent courts in Mumbai only.