“RUPAY Use Karo Cash Karo” Period 15 Jan, 2019

IDBI RUPAY Debit Card Campaign

Important Terms & Conditions

Program Name “RUPAY Use Karo Cash Karo”

15th Jan, 2019 to 31st Mar, 2019 Period (15th January, 2019 00:00:00 hours to 31st March,2019 23:59:59 hours)

 Period: - 15th Jan, 2019 to 31st Mar, 2019.  Eligibility: - All RUPAY Debit Card holders.  Rewards for Cardholders: - a) Winner (TOP SPENDER) will get Rs. 25,000/- and next 615 top spenders can win CashBack upto Rs.10,000/-, as per below :

Cashback Amount (in Winners ( No. of Total Amount (in Rupees) cardholders) Rupees)

Rs. 25,000/- 1 Rs. 25,000

Rs. 10,000/- 5 Rs. 50,000

Rs. 5,000/- 10 Rs. 50,000

Rs. 1,000/- 100 Rs. 1,00,000

Rs. 500/- 500 Rs. 2,50,000

Total 616 Rs. 4,75,000

b) In addition to point (a), each month 10 winners will be selected on the basis of highest no. of POS/Ecom trxn* during that month and each winner will be awarded with cash back of Rs.5000/-.(cut-off date for monthly winners would be 31/01/2019 ; 28/02/2019 ; 31/03/2019). Rs.5,000/- to 10 winners each month ( Jan, Feb and Rs.1,50,000/- March 2019)

*For selection of 10 winners on the basis of highest no. of POS/Ecom trxns, only those transactions will be considered where minimum trxn amount is Rs.500/-. 1

 Eligibility Criteria : a. All RUPAY Debit Card Holders (excluding IDBI Bank staff) are eligible for the “RUPAY Use Karo Cash Karo” campaign. b. All successful POS/E-com transactions done using IDBI Bank’s RUPAY debit card during the campaign period (15th Jan, 2018 to 31st Mar, 2019) will only be eligible for calculation of spends and Highest Spender. c. For point 6(a), total spend amount after net of refunds, fraudulent/chargeback transactions will be considered for the campaign and for point 6(b) highest no. of transaction will be considered. d. Mutual Fund transactions, Government payments, Insurance premium payment and payment to Educational Institutes made through IDBI Bank RUPAY Debit Cards will not be included for this Campaign. e. ATM transactions, Card to Card Transfer, Internet Banking, wallet loading transactions and Cash at POS will not eligible for the rewards program. f. The result of the campaign would be declared by May 20, 2019. And The cash back amount will be credited to the cardholders account by May 31, 2019 g. In case of Tie between the top spenders, the following conditions will be applied as a tie breaker. Tie Conditions Applied Level For Point 6(a), Cards having greater no. of POS & E-com transactions will be declared eligible. 1 For Point 6(b), Card having highest spent amount will be declared eligible. Time of the last transaction by the cardholders will be compared 2 and the card where the last transaction was done first will be declared eligible

 Terms prescribed by IDBI Bank . Participation in the Campaign by the Customer(s) is on a voluntary basis. . In all matters relating to the campaign, the decision of IDBI Bank shall be final and binding in all respects. . IDBI Bank shall not in any way be deemed to be making any representation whatsoever about the usefulness, worthiness, quality and/or character of the Reward Incentive provided under the Campaign and shall not be responsible in any way what so ever for the same. The existence of a dispute with respect to, if any, regarding the usefulness, worthiness, nature and/or quality of Product or other Services provided by IDBI Bank shall not constitute a claim against IDBI Bank. . Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the Customers due to provision of the Offer, shall be to the sole account of Customer/s. Tax deducted at source, if any, on the Monetary value of the Offer shall be payable by Customer/s. . IDBI Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any Products or Services availed by the Customer/s under this campaign. . IDBI Bank reserves the right to disqualify the Customer/s from the benefits of the Offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Campaign. . IDBI Bank shall not be held liable for any delay or loss that may be caused in delivery of the Product/ Services. . If the Customer ceases to be a Customer at any time during the currency of the Campaign Period, all the benefits under the Offer shall lapse and shall not be available to the Customer. . IDBI Bank has the right to withdraw the Campaign without any prior notice. . IDBI Bank reserves the right to modify/ change all or any of the terms and conditions contained herein as per its discretion without assigning any reasons or without any prior intimation/notice whatsoever. IDBI Bank also reserves the right to discontinue the /Campaign without assigning any reasons or without any prior intimation whatsoever. IDBI Bank will not be liable in any manner whatsoever for any loss/ damage /claim/injury that may arise due to withdrawal or change in the terms and conditions of the Campaign or discontinuation of it.

. Employees of IDBI Bank are not eligible to participate in the offer. . The offer under the campaign is subject to applicable Indian laws and such other terms and conditions as may be stipulated by IDBI Bank. The Offer is not available wherever the same is prohibited and/or cannot be offered or for any reason whatsoever. All disputes are subject to the exclusive jurisdiction of the competent courts/tribunals of Mumbai. However, IDBI Bank reserves the right to approach any other court or tribunal of competent jurisdiction. Employees of IDBI Bank are not eligible to participate in the offer.

Any queries/communication regarding the Offer should be sent to IDBI Bank’s 24 HOUR CUSTOMER CARE Toll Free numbers: 1800-209-4324 /1800-200- 1947 / 1800-22-1070, Non-Toll Free: 022-66937000.