Partner Bank Offers

1. Eligibility

Customer will become eligible for Kiwis (as defined below) from their first transaction using Rupay credit cards issued by Partner Banks. The transaction to be undertaken by the Customer will be in the multiples of Rs. 100

2. Partner Banks

1. Yes Bank

   1. Offer Validity: for customers who have done their 1st Scan & Pay transaction from their Yes Bank Credit Card linked on Kiwi between 16th Jan'2024 to 15th Apr'2024
   2. Eligible BINs: 356139, 356140 and 356165

3. Kiwi Rewards

1. The points that the customers will earn will be called as "Kiwis"
2. These Kiwis can be redeemed into their "goaxb" UPI ID linked savings account at any time
3. Each "Kiwis" will be currently worth Rs 0.25/-
4. Customers using Axis Bank Kwik Card rewards programme will not be eligible for this offer

4. Offer Terms

Transaction Reward

1. 1 “Kiwi” for every Rs 100 spent on the card – “Kiwis” are calculated on multipliers of Rs 100/- i.e
1. Transaction of Rs 100/ - 1 “Kiwi” earned
2. Transaction of Rs 200/- 2 “Kiwis” earned
3. Transaction of Rs 275/- 2 “Kiwis” earned
4. Transaction of Rs 325/- 3 “Kiwis” earned
2. Maximum rewards that can be earned in a month is capped to 2,000 “Kiwis” per calendar month
3. Kiwis earnings cap for transaction rewards gets reset at the start of every month and the monthly cap is calculated for the period between 1st to 30th/31st of every month
4. Excluded categories
1. Repayments
2. Fuel
3. Jewellery
4. Cash Withdrawal
5. Wallet Load
6. Insurance
7. Education
8. Government Services
9. Rent
10. Utilities
11. EMI
12. Purchases converted to EMI Post-Facto
13. Payment of Card Fees & Other Charges
14. Service Stations
15. Telecom & Cable
16. Professional Services (Legal, Financial Services, etc.)
5. The Category of the merchants will be defined by the Merchant category code received by us in the transaction
6. The Kiwi’s offer is valid for 3 months from date of the 1st transaction of the user

5. Terms & conditions

1. Customers' participation in any offer constitutes their understanding and agreement to the complete terms and conditions associated with each offer
2. We reserve the right to change, modify or prematurely remove an offer at our own discretion
3. 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
4. In case of a dispute, the final decision to credit / modify the reward lies with the Company
5. Nothing contained herein shall be construed as a binding obligation on Kiwi to continue the “Kiwis” Rewards or to substitute the “Kiwis” Rewards by a similar or a new programme
6. 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 normal course of availing the “Kiwis” Rewards
7. 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
8. Further, we reserve the right, at its sole discretion, to change the mode of the accrual of one or any of the programme
9. These “Kiwis” Rewards 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
10. Participation in any Reward Promotion is completely voluntary. Users may choose to not participate in any Reward Promotion. Kiwi does not guarantee any prize to any winner
11. The Reward Promotions are offered to the Users on an “as is” basis and without warranty or condition. The Reward Promotions may not be uninterrupted or error- free. Users waive all claims against Kiwi
12. Kiwi is not responsible for any tax implications on the User from their participation in any Reward Promotion. Users should obtain an independent tax advice before entering any Reward Promotion