Christmas Special: Processing Fee Cashback Offer

Offer Period: Valid from 12:00:00 pm on 19th December, 2025 to 11:59:59 pm on 21st December, 2025

1. Eligibility

1. The offer is valid for select users only, as communicated during the Offer Period.
2. This offer is valid for YES BANK Klick Credit Card holders who convert eligible card transactions to EMI using the Kiwi app.
3. Only post-transaction EMI conversions completed between 12:00:00 pm on 19th December 2025 and 11:59:59 pm on 21st December 2025 during the Offer Period shall be eligible.

2. Offer

1. Customers who convert eligible transactions to EMI during the Offer Period, as communicated by Kiwi, will receive a 100% cashback equivalent to the processing fee charged.
2. The cashback amount will be credited in the form of Kiwis, as per Kiwi’s standard rewards conversion policy: ₹1 = 4 Kiwis.
3. Cashback will be calculated only on the processing fee and not on the transaction amount or interest.
4. Cashback will be credited after successful EMI conversion on 31st December, 2025.
5. All standard card, EMI, and rewards terms & conditions apply.

3. Illustration

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/