Common use of REWARDS PROGRAMME Clause in Contracts

REWARDS PROGRAMME. 36.7.1 The Bank may award, based on individual product features, a certain amount of points for every unit of R u p e e s s p e n t o n s p e c i f i c c a t e g o r i e s o f 36.1 This Programme is available only to the Bank's domestic/international purchase transactions of Gold/Platinum/Signature/World variants or any other goods/services. 36.7.2 The Bank will stop awarding any reward points to a This programme is not available for Classic Credit Card. Cardholder whose Card Account(s) is not in good or closed or cancelled or reinstated or is liable to be standing. cancelled/withdrawn because of any breach of the terms 36.7.3 Points will not be accrued on Card Transactions that are and conditions of the Card herein. subsequently reversed. Any points already credited for 36.7.10 The points will lapse in the event that such a Card such Card Transactions will be debited. Account is closed either voluntarily by the Cardholder or 36.7.4 The Bank, at its sole discretion, may also award points for any other Card Transactions either for a specific period or for specific situations/promotional schemes. by the Bank at its discretion. Should the Card Account be reinstated either by the Cardholder or by IndusInd Bank, the Cardholder will not get the benefit of any points accrued prior to cancellation or withdrawal or closure of 36.7.5 Points will not be awarded to Cardholders towards Card the Card Account. Transactions involving Cash Advances, EMI payments, 36.7.11 In the event of voluntary closure of the Card by a Balance Transfer transactions, and fees such as joining Cardholder, the points that are in the Card Account can fee, annual fee, Add-On Card fee, interest charges, or be redeemed within a month of such closure. Failure to any other fee/charges. redeem these points within such period will cause the 36.7.6 The Bank reserves the right to specify the maximum points to automatically lapse or expire. a given period. The Cardholder will not accrue any further number of points that will be awarded to a Cardholder in 36.7.12 A Cardholder cannot transfer any points to another person. reward points for that time period, once the maximum 36.8 In case of default, the Bank shall be entitled to redeem all number of points as specified by the Bank is reached. or in part, the accumulated points on the Card Account 36.7.7 The above list of Card Transactions may be modified by the Bank at its discretion under intimation to the against the overdue amount without giving any prior notice to the Cardholder.

REWARDS PROGRAMME. 36.7.1 32.1 All cardholders holding a credit card issued by us will be eligible to participate in any rewards programme or programmes which we may initiate. The Bank may award, programme will be subject to the following terms and conditions in addition to other Specific Terms & Conditions issued from time to time. 32.2 Reward points will be issued on the basis of the criteria which we publish from time to time based on individual product featuresthe usage of the card and the types of expenditure incurred through the card. The reward points may be redeemed for goods, a certain amount of services and/or benefits set out in the rewards catalogue available online. 32.3 Cardholders will only be eligible to participate in the rewards Programme, if their credit card is in good standing and valid at all times. We reserve the right not to credit points for every unit of R u p e e s s p e n t o n s p e c i f i c c a t e g o r i e s o f 36.1 This Programme is available only cash advances, funds transfer transactions, annual fees, finance charges (including but not limited to the Bank's domestic/international purchase transactions of Gold/Platinum/Signature/World variants or interest and late payment charges), installment payment plans, penalties, utility bill payments, other miscellaneous charges imposed by dunia and any other goods/servicestypes of expenditure which we may specify from time to time. The list of eligible transactions will be determined at our sole discretion and may be varied by us without prior notice. 36.7.2 32.4 The Bank will stop awarding any reward points credited to every cardholder will be indicated on the cardholder’s monthly statement. 32.5 The procedures and manner in which reward points may be redeemed will be set out in the rewards catalogue available online. 32.6 Our books and records will be conclusive of the reward points accrued, redeemed or forfeited by a This programme cardholder. 32.7 If a credit card is not available for Classic Credit Card. Cardholder whose Card Account(s) is not in good or closed or cancelled or reinstated terminated at any time, for any reason, whether by the Primary cardholder or dunia or if the account is liable past due, we may at our discretion not permit the cardholder to earn or redeem the reward points. 32.8 Accumulated reward points will be standing. cancelled/withdrawn because of any cancelled if (a) the credit card is delinquent by more than three (3) months consecutively; (b) the credit card has expired or has been terminated or revoked or expires without renewal; (c) there has been a breach of the termscard agreement or any applicable terms and conditions; 36.7.3 Points (d) the credit card has remained inactive for a period of more than 6 months; (e) any other event occurs that at our sole discretion disqualifies the cardholder from redeeming the reward points. Cancelled reward points shall not be transferable to any other card account (whether relating to the Cardholder or any third party), are not exchangeable for cash or credit and/or shall not be re-accrued by the Cardholder. 32.9 Certain goods, services and/or benefits offered through the rewards catalogue may not be available from time to time. In such cases, we reserve the right to substitute such goods, services and/or benefits with rewards of a comparable value or type. 32.10 The rewards catalogue may be varied, amended or re-issued from time to time. Redemption of points shall only be for the goods, services and/or benefits set out in the catalogue current at the particular time available online. 32.11 We shall not at any time be considered as the supplier of the goods, services and/or benefits for which the reward points have been redeemed and will not be responsible for such goods, services and/or benefits. We undertake to make available the goods, services and/or benefits through third party suppliers. We give no warranty and undertake no liability in respect of the delivery, quality of the goods, services and/or benefits redeemed for the reward points or their suitability or fitness. If the goods, services and/or benefits are faulty, unsatisfactory or defective in any way we shall convey the complaints to the supplier. 32.12 Reward Points earned will expire within 24 months from the earned date, unless otherwise determined by dunia at our sole discretion. For the avoidance of doubt, points that have expired cannot be used under or transferred to any loyalty programme as dunia may from time to time make available. 32.13 We reserve the right to disqualify a cardholder from any rewards programme. 32.14 We reserve the right to cancel/amend or discontinue any rewards programme and cancel any accrued rewards or reward points without any liability to us. 32.15 Reward points earned by the Supplementary Cardholder will be credited to the card account of the Primary Cardholder and may be used only by the Primary Cardholder for the redemption of rewards and benefits under the Programme. 32.16 The reward points awarded to and redeemed by a Cardholder will be stated in the card account statement of the Cardholder, and may be corrected or revised by dunia at any time to correct any errors in the computation of reward points. Where any charge posted to any card account is reversed or re-credited (whether in whole or in part), the reward points awarded in respect of the amount reversed or re-credited will be cancelled. 32.17 dunia shall be entitled to treat all instructions, whether oral or in writing, relating to the reward points or the use or redemption of reward points given or purported to be given to dunia by the Primary Cardholder (to whom the reward points were awarded) as the instructions of such Primary Cardholder, and to act in accordance with such instructions. 32.18 dunia’s decision on Card Transactions that are all matters and disputes concerning the rewards Programme shall be final and binding on the Cardholder. 32.19 The use and/or conversion of the reward points may be subject to further terms and conditions of the Card herein. subsequently reversed. Any points already credited for 36.7.10 The points will lapse in the event that such a Card such Card Transactions will be debited. Account is closed either voluntarily by the Cardholder or 36.7.4 The Bankor restrictions and dunia may, at its sole discretiondiscretion and without prior notice, modify, suspend or terminate the Programme, and/or modify these terms and conditions in such manner as dunia considers fit. 32.20 dunia may also award points for notify You, the Primary Cardholder of any such change(s) in the dunia General Terms and Conditions by publishing such changes in the card account statements to be sent to Cardholders, posting such changes on the dunia website, or by such other Card Transactions either for a specific period or for specific situations/promotional schemes. by the Bank means of communication as dunia may determine at its absolute discretion. Should the Card Account be reinstated either by Where the Cardholder or by IndusInd Bankany of his/her Supplementary Cardholder(s) continues to use his/her Card after such notification, then the Cardholder will not get the benefit of any points accrued prior and his/her Supplementary Cardholder(s) shall be deemed to cancellation or withdrawal or closure ofhave agreed with and accepted such change(s). 36.7.5 Points 32.21 dunia may provide vouchers (Vouchers) issued by participating merchants (Merchants) from time to time at its sole discretion. dunia will not be awarded liable to Cardholders towards Card replace Vouchers that are lost or destroyed, neither will dunia exchange Vouchers for any reason whatsoever. 32.22 The use of a Voucher shall constitute a purchase of goods or services by the Card Account. Transactions involving Cash Advancesperson using the Voucher from the Merchant supplying such goods or services, EMI payments, 36.7.11 In and dunia assumes no ىلع ءانب ةمذ ءاربإ باتك رادصإب موقن ،اهؤاغلإ مت وأ اهتيحلاص تهتنا يتلا نامتئلاا اهب نيدي وأ انل اهب نيدت يتلاو ةقحتسملا ىرخلأا غلابملا ةفاك ديدستو عفد طرشب كبلط انل اهب نيدملا غلابملا نع لاوؤسم نوكت ثلاث فرط يأ وأ نيضرتقملا نم كئاكرش دحأ .)تدجو نإ( اهديدست متي مل يتلاو .ةيضارتفا ةقاطب ،انرايتخاب متيل ددحم فتاه مقرب اًروف لاصتلاا كنم بلطي دق ةينورتكللإا ةقاطبلل كملاتسا روف 2-29 .ةقاطبلا ليعفت ةينورتكللإا ةقاطبلا ىلع اًقفاوم ربتعت اهئاغلإ وأ ةقاطبلا عاجرإب كمايق مدع لاح يف 3-29 .ماكحلأاو طورشلا هذهل اًقفو تاءارجلإاو ماكحلأاو طورشلا نم ديزملل عضخت نأ يلع ةينورتكللإا ةقاطبلا رادصإ انل قحي 4-29 .ةصاخلا .ةيونس موسرل ةينورتكللإا ةقاطبلا عضخت 5-29 ةقاطب لكل هب حومسملا ديصرلا نم نيّعملا يليغشتلا دحلاو نامتئلإا دح لمشي 6-29 .ةينورتكللإا ةقاطبلل ديصرلا نم هب حومسملا يليغشتلا دحلاو نامتئلإا دح نامتئا نامتئلاا ةقاطب ةطساوب اهذيفنت متي يتلا تلاماعملا ةفاك زواجتت لا نأ بجي ،كلذلو دحلا اذه نمض كنكمي هنأ لاإ ،هب حومسملا ديحولا يليغشتلا دحلا ةينورتكللإا ةقاطبلاو ماكحلأاو طورشلا ةفاك قبطنت .ةينورتكللإا ةقاطبلل نيعم دح نييعت رايتخا يليغشتلا .نكمملا دحلل ةينورتكللإا ةقاطبلا ىلع اهب لومعملا باسح ىلع ةينورتكللإا ةقاطبلا ةطساوب اهذيفنت متي يتلا تايلمعلا ةفاك ديق متي 7-29 .نامتئلاا ةقاطب باسح فشك يلإ اهتفاضإو نامتئلاا ةقاطب راعشإ ءاطعإ نودب وأ عم اهئاغلإ وأ ةينورتكللإا ةقاطبلا عاجرتسا تقو يأ يف انل قحي 8-29 عاجرإب اًروف مايقلا كيلع بجوتي ،ةلاحلا هذه يف .ببس يأ ءادبإب نيمزلم انسلو قبسم .بلطلا بسح اهتيحلاص ءاغلإ وأ ةينورتكللإا ةقاطبلا وأ ةقرسلل اهضرعت وأ ةينورتكللإا ةقاطبلا نادقف عنمل ةمزلالا ريبادتلا ةفاك ذاختا كيلع 9-29 ةيحلاصلا كلمي لا صخش يلأ اهتيحلاص ءاهتنا خيراتو ةينورتكللإا ةقاطبلا مقر نع حاصفلإا ةقرسلل اهضرعت وأ ةقاطبلا نادقف نع ةجتانلا ةماتلا ةيلوؤسملا كلذك لمحتتسو .كلذل .كلذب انراعشإ دعب انلبق نم اهئاغلإ نيح يلإ يف رفوتملا ينامتئلاا دحلا ىلع كب ةصاخلا ايند نامتئا ةقاطب نم لاوملأا ليوحت فقوتي 2-30 .كتقاطب نيدلاولاو ةجوزلا ىلع ةرسلأا حلطصم رصتقي ،ةيرسلأا تلايوحتلل ًلاهؤم نوكت يكل 3-30 .ةجوزلا وأ جوزلا ةدلاو / دلاوو دافحلأاو ءانبلأاو ءاقشلأاو نيدجلاو :نامتئلاا تاقاطب ضورق نم ناعون كلانهو زواجتي لا غلبم يأب ريدم كيش وأ ةيفرصم ةلاوح ىلع لوصحلل بلطب مدقتلا كنكمي )أ( وأ ؛ثلاث فرط يلأ وأ كمساب ردصي ،رفوتملا هب حومسملا يليغشتلا دحلا ىندلأا دحلا ةاعارم عم( ريبك ءارش غلبمب قلعتم غلبم يأ ليومتل بلطب مدقتلا كنكمي )ب( ةطخ بجومب لجلأ اًضرق حبصيل ،كب ةصاخلا نامتئلاا ةقاطب ىلع اهدييقت مت )غلبملا نم لا غلبمبو نييسيئرلا تاقاطبلا يلماحل طقف نامتئلاا تاقاطب ضورق ىلع لوصحلا زوجي 2-31 .ذئنيح هب حومسملا يليغشتلا دحلا ديصر زواجتي كغلابإ مت يتلا ىرخلأا فيلاكتلاو موسرلاو دئاوفلا عم نامتئلاا ةقاطب ضرق ديدست متي 3-31 اهيلع ةقفاوملا تمت يتلا ةرتفلا ىدم ىلع ةيرهش تاعفد ىلع ديدستلا متيسو .اهب قحتسملا يساسلأا غلبملا ساسأ ىلع ةيرهشلا طاسقلأا هذه باسح متيسو .انلبق نم فوشك ىلع رهش لكل قحتسملا طسقلا دييقت متيسو .ىرخلأا فيلاكتلاو دئاوفلاو ىندلأا دحلا نم اًءزج لكشيسو كب ةصاخلا نامتئلاا ةقاطبب ةصاخلا ةيرهشلا باسحلا .دادسلا بجوتسي يذلا كب صاخلا باسحلا فشك ىلع ةديقملاو ةبوسحملا ةيرهشلا طاسقلأا عفدب مزلم تنأ 4-31 .ضرقلا مدختست مل وأ تمدختسا ءاوس ضرق غلبم در اهب لومعملا ماكحلأاو طورشلا ىلع ءانبو انتقفاوم ىلع ءً انب كل قحي 5-31 عفدلا موسر عفد ةلاحلا هذه يف كيلع بجوتيو ،امدقم ةدحاو ةعفد ىلع نامتئلاا ةقاطب .ةددحملا ركبملا ضرق غلبم نإف ةقحتسملا طاسقلأا نم يأ عفد يف كلشف لاح يف هنأ ملعلا ىجري 6-31 ةبلاطملا انل قحيسو اروف ةقحتسم حبصتس دئاوفلا ةفاكو هلمكأب نامتئلاا ةقاطب .يروفلا عفدلاب .رخلآ تقو نم ردصت دق يتلا ىرخلأا ةصاخلا ماكحلأاو طورشلا مادختسا ىلع ءانب رخلآ تقو نم هرشنن يذلا رايعملا ساسأ ىلع تآفاكملا طاقن ردصت 2-32 زوجي .ةقاطبلا للاخ نم اهدبكت متي يتلا تافورصملل ةلهؤملا عاونلأا ةميقو ةقاطبلا تآفاكملا جولاتك يف ةنيبملا ايازملا وأ/و تامدخلا وأ عئاضبلاب تآفاكملا طاقن لادبتسا .تنرتنلإا ىلع حاتملا عضو يف مهتاقاطب تناك اذإ ،تآفاكملا جمانرب يف ةكراشملا تاقاطبلا ةلمحل قحي 3-32 ،ةيدقنلا فلسلا لباقم طاقنلا ةفاضإ مدعب قحلاب ظفتحن .تاقولأا ةفاك يف ةيراسو ديج ليبس ىلع كلذ يف امب( ليومتلا موسرو ةيونسلا موسرلاو ،لاوملأا ليوحت تلاماعم طيسقتلاب عفدلا ططخو ،)ةرخأتملا تاعفدلا موسرو دئاوفلا رصحلا سيلو لاثملا ايند اهضرفت يتلا ةعونتملا موسرلا نم كلذ ريغو قفارملا ريتاوف تاعفدو تامارغلاو تلاماعملا ةمئاق ديدحت متي .رخلآ تقو نم اهددحن امبسح تافورصملا نم رخآ عون يأو .قبسم راعشإ نود انلبق نم اهليدعت زوجيو انرايتخا ضحمب ةلهؤملا فشكلا يف تاقاطبلا ةلمح نم لكل ةحونمملا تآفاكملا طاقن يلإ ةراشلاا متت 4-32 .ةقاطبلا لماحل يرهشلا ىلع حاتملا تآفاكملا جولاتك يف طاقنلا لادبتسا اهب زوجي يتلا ةقيرطلاو تاءارجلإا نيبت 5-32 .تنرتنلإا مت يتلا وأ تقحِ تُ سا يتلا تآفاكملا طاقن صوصخب ةمساح انتلاجسو انرتافد نوكت 6-32 .ةقاطبلا لماح بناج نم اهترداصم وأ اهلادبتسا ةقاطبلا لماح بناج نم ءً اوس ،ببس يلأ ،تقو يأ يف نامتئا ةقاطب ةيأ ءاهنإ وأ ءاغلإ مت اذإ 7-32 مدع انرايتخا تحت انل زوجي ،دادسلا رخأتم باسحلا حبصأ اذإ وأ ايند بناج نم وأ ةيسيئرلا .طاقنلا لادبتسا وأ عمج ةقاطبلا لماحل حامسلا ةيلاتلا تلااحلا يف ةعمجملا تآفاكملا طاقن ءاغلإ متيس 8-32 .ةلصتم رهشأ )ةثلاث( 3 نم رثكلأ نامتئلاا ةقاطبل عفدلا يف رخأتلا ةلاح يف )أ( ديدجت نود اهتدم تهتنا وأ اهضقن وأ اهؤاهنإ مت وأ نامتئلاا ةقاطب تهتنا اذإ )ب( liability or responsibility whatsoever for the event of voluntary closure acts or default of the Card by Merchant (including the failure of the Merchant to honour any Voucher) or in respect of the availability and or any defect or deficiency in the goods or services for which any Voucher is redeemed. dunia is not an agent of the Merchant. Any disputes about quality or performance should be resolved directly with the Merchant. 32.23 If you delay or default in payment of any installment due and payable for a Balance Transfer transactions, and fees such as joining Cardholderdunia product within six (6) months of claiming the Voucher or should you prepay any product prior to its maturity date, the points that are value of the Voucher must be refunded by you to dunia. Accordingly, the value of the Voucher shall be added to the amounts outstanding pursuant to the terms governing the facility. 32.24 The use of the Voucher is subject to the terms and conditions stated herein and in the Card Account can fee, annual fee, Add-On Card fee, interest charges, or relevant section of the Programme catalogue (which may be redeemed within a month of revised from time to time without prior notice) and such closure. Failure to any other fee/charges. redeem these points within such period will cause the 36.7.6 The Bank reserves the right to specify the maximum points to automatically lapse or expire. a given period. The Cardholder will not accrue any further number of points that will restrictions and/or conditions as may be awarded to a Cardholder in 36.7.12 A Cardholder cannot transfer any points to another person. reward points for that time period, once the maximum 36.8 In case of default, the Bank shall be entitled to redeem all number of points as specified imposed by the Bank is reached. or Merchant in part, relation to which the accumulated points on the Card Account 36.7.7 The above list of Card Transactions Voucher may be modified by the Bank at its discretion under intimation used to the against the overdue amount without giving any prior notice to the Cardholderpay for or obtain goods and/or services of that Merchant.