Terms & Conditions – Go BIG Get BIG Offer

Offer Name: Go Big Get Big

Offer Validity Period: Valid from 04:00:00 pm on 13th December, 2025 to 11:59:59 pm on 12th January, 2026

1. Eligibility

1. This offer is open only to users who have been specifically selected and notified by Kiwi via in-app notification on Kiwi, SMS, email, WhatsApp.
2. Only transactions completed within the Offer Period using the YES Bank Klick Credit Card on Kiwi and meeting all stated conditions shall qualify for rewards.
3. Kiwi reserves the right to determine eligibility at its sole discretion.

2. Offer Construct

1. Users who complete the assigned milestone which has been communicated to them during the Offer Period will become eligible to receive 5% cashback on all qualifying transactions made after milestone completion.
2. Rewards earned under this offer will be credited as Kiwis, in accordance with the Company's standard rewards conversion policy (₹1 = 4 Kiwis).
3. Maximum rewards per user will be capped at ₹3000 (12000 Kiwis)

Illustration:

1. Milestone: ₹20,000 eligible spends
2. Example transaction: ₹1,000 (via Collect or Intent Pay)
3. Base cashback for Collect/Intent transactions:0.5%
4. Offer cashback after milestone:5%

3. Reward Crediting

1. Eligible users who qualify under their respective tier and meet all offer criteria will have their rewards credited to their account.
2. Rewards will be processed within 7 working days of satisfying the qualifying conditions, unless otherwise communicated.
3. The cashback will be credited to customers in the form of “Kiwis”
4. These Kiwis can be redeemed to the savings account linked to the “goaxb” UPI ID
5. Each “Kiwi” is currently worth INR 0.25/-
6. Note for Neon users:Incremental rewards (Kiwis) credited from this offer will be over and above the Neon milestone rewards

4. General Offer Terms

1. Customers' participation in any offer constitutes their understanding and agreement to the complete terms and conditions associated with each offer.
2. Offer shall not be valid on Canceled/Refunded transactions.
3. Kiwis earned on purchases will be reverted if the product is returned or refunded.
4. We reserve the right to change, modify or prematurely remove an offer at our own discretion.
5. Further, we also reserve the right to disqualify any Customer, who does not meet the offer requirements or in case of reasons including but not limited to any misuse of the offer or fraud or suspicious transaction/activity or under any legal requirement or applicable rules and regulations, from receiving any reward or cancel any reward already earned or credited.
6. In case of a dispute, the final decision to credit / modify the reward lies with the Company.
7. The Customer shall not hold the Company responsible for any actions, claims, demands, liabilities, losses, damages, costs, charges or expenses, which a Customer incurs, in the normal course of availing the “Kiwis” Rewards.
8. We also reserve the right to discontinue the Kiwi Rewards without assigning any reasons or without any prior intimation whatsoever. Nothing contained herein shall amount to a commitment or representation by us to continue the “Kiwis” Rewards.
9. Further, we reserve the right, at its sole discretion, to change the mode of the accrual of one or any of the programmes.
10. This offer's Terms and Conditions shall be in addition to and not in substitution/derogation of any or all other terms and conditions. No two offers can be clubbed. In case there is more than one offer(s) available simultaneously, then only one offer can be availed by the Customer.
11. Kiwi terms and conditions apply. Please find the link to access the full terms and conditions of the Kiwi Rewards Policy: https://gokiwi.in/rewards-policy-v2/

5. Exclusions

1. Rewards will not be applicable for any cancelled, refunded, or reversed transactions.
2. Transaction rewards will not be applicable on the below category/type of merchants: