Customer facing Terms and Conditions of Promotion 3 (Credit Card UHS Campaign)

What is the offer : 

• Top 10 highest spending Credit Card holder will get a Thomas Cook travel gift voucher of Rs 1,00,000
• Minimum spend required is Rs 1,75,000 or above at international merchant point-of -Sale (POS) spends in foreign currency
• Offer validity – 1st June 2024 to 31st Aug 2024
• The offer is valid only for select IndusInd Bank Credit Card customers who have received communication via Email or SMS

VISA Terms & Conditions:

• Introduction: This document outlines the terms and conditions ("Terms”) of the Visa Worldwide Pte. Ltd.'s ("Visa”) marketing Promotion (the "Promotion 3") to increase the usage of Visa Consumer Credit Cards internationally (as defined below) across select Cardholders (as defined below). The promotion is extended to select Visa Card holders ("Cardholder", “you”, “your”) that is valid and current, issued IndusInd Bank with Visa to extend these Promotion benefits to select cardholders. This promotion is valid until stocks last. For avoidance of doubt, no Visa commercial, business, or forex card shall fall within the definition of Eligible Cards or be eligible for any benefits under the Campaign
• This Promotion, also referred to as ‘Promotion 3’ is only valid from 1st June 2024 till 31st August 2024 (both dates inclusive) or such other date that may be communicated to the Selected Cardholder
• This Promotion 3 will be applicable only to select IndusInd Bank Visa consumer Credit cardholders to whom this promotion communication has been sent by IndusInd Bank and have spent internationally at Merchant point-of-sale for a value greater than or equal to USD 2024 (or equivalent amount in other foreign currency) from 1st June’24 to 31st August’24 (both days included). Such cards shall be referred as ‘Promotion 3 Cards’ and the consumers as ‘Promotion 3 cardholders’
• The Top 10 highest spending Select cardholder of IndusInd Bank, who have spent the most at Merchant point-of-sale terminals internationally, using their IndusInd Bank Visa Credit Card during the Promotion Period, shall be entitled to a travel gift voucher of value INR 1,00,000 (Indian Rupees One lakh only)
• All qualifying payments must be successfully settled using a IndusInd Bank Visa Credit Card only within the promotion period. Any product return, refund, or cancellation of the order made using IndusInd Bank Visa Credit Card for any reason will not be considered for the purpose of this promotion. If an order is partially cancelled or returned, the Select-cardholder will qualify for the Promotion incentive only for the items that were not cancelled or returned, to the extent such transaction for the items not cancelled or returned continues to fulfil the conditions contemplated in these Terms
• Only international (outside the geographic boundary of India) transactions done at Merchant point-of -Sale will be considered for the purpose of this promotion. E-Commerce and ATM Withdrawal transactions will not be considered
• Transactions can be in USD or any other foreign currency
• International Merchant point-of-sale transactions made across several IndusInd Bank Visa Credit Cards belonging to the same customer, cannot be clubbed together to qualify for this offer
• Each Qualified IndusInd Bank Credit Cardholder is entitled to a Travel voucher of maximum value INR 1,00,000 (Indian Rupees One lakh only) for this promotion
• The Thomas Cook Travel gift card of amount INR 1,00,000 shall be securely shared with the Qualified IndusInd Bank Credit Card holder within 60 (sixty) days from the end of the Promotion Period by IndusInd Bank
• In case of any dispute, the decision of IndusInd Bank shall be final
• Any questions or queries related to this promotion shall be raised with IndusInd Bank
• The standard terms and conditions of IndusInd Bank will apply for this promotion
• While identifying the Top 10 highest spender at international Merchant point-of-sale terminals, in case if two or more Qualified Cardholders spend the exact same amount during the promotion period, then, the decision will be based on the number of transactions performed by these Qualified Cardholders
• The voucher, once received by the Top 10 qualified cardholder will expire within 90 days. Expired Voucher cannot be replaced or revalidated
• The details of this promotion shall be communicated only to eligible Credit cardholders by IndusInd Bank. Visa does not make any express or implied warranties as to the accuracy or completeness of any information related to the Promotion. Selected Cardholders are requested to confirm the availability and validity of the Promotion directly with IndusInd Bank. Visa is not directly or indirectly involved in the selection or determination of the qualifying credit cardholders that would be the beneficiaries of this Promotion
• IndusInd Bank is the sole provider of all services under this Promotion. Accordingly, the Selected Cardholder understands, acknowledges, and agrees that the procurement by him/her of any services under this Promotion shall constitute a contract solely between Business Partner and him/her, and Visa is not, nor will Visa become a party to such contract
• By utilizing or attempting to utilize any of the services under this Promotion, the Selected Cardholder understands, acknowledges, and agrees that
  • Any claim, complaint or dispute of any nature arising out of or in relation to the procurement, or attempted procurement by the cardholder of any services under this Promotion (each a “Claim”) shall be settled by the Selected cardholder directly with IndusInd Bank, and Selected cardholder shall not make any Claim against Visa
  • Without prejudice to the foregoing, and to the fullest extent permitted by law, Visa shall not be liable to any person for any loss, damage, expenses or claim (whether direct or indirect) in relation to any personal injury, death, false representation, damage or omission arising from or in connecting with the usage or attempted usage of the Promotion or the services provided under the Promotion

IndusInd Bank Terms & Conditions:

• Purchase Reversal Transaction Amount posted on Cardholder’s Card Account during the Program Period + 7 (Seven) Calendar Days will be deducted from the eligible Spends for the Purpose of calculating Spends Achievement irrespective of whether the Original Transaction corresponding to this Reversal was done during the Program Period or before the Program Period.
• To be eligible for participating in the Program, the Cardholder must maintain a clean payment record in respect of his/her Card; i.e. the Cardholder should not have failed to pay the minimum amount due on his/her Card during the Offer Period or at the time of evaluation of the winners.
• In case a Cardholder, is holding two or more Eligible Credit Cards from IndusInd Bank, the Spends done on one Card account will not be added/clubbed with Spends done on the other Card account. Each Credit Card account will be considered separately.
• IndusInd Bank shall not be liable or responsible for non-receipt or delivery of any SMS/other communication relating to this Program due to any reason beyond the control of IndusInd Bank. IndusInd Bank reserves the right to modify/amend any communication/SMS related to the Program at any later date during the Program Period.
• All applicable taxes, duties, levies of whatsoever nature in connection with the Program shall be borne solely by the Cardholder.
• The participation in the Program shall constitute deemed acceptance by the Card member of all the terms and conditions governing the Program.
• The Bank at its sole discretion can decide Cardholders who can avail this Program. Delinquent Credit Card members will not be eligible for the benefits of this offer. "Delinquent Credit Card Account" means an account of a Cardholder which has outstanding which is past due or which, in the sole opinion of the Bank, has unsatisfactory credit standing. Cardholders, whose Credit Card accounts are currently delinquent or become delinquent at any time before the Fulfillment Date, will be ineligible for the benefits of this Program.
• If the Cardholder ceases to be a Cardholder at any time during the Program Period or before the Fulfillment Date, all benefits under the Program shall lapse. This includes any relationship terminated either by the Bank or the Cardholder.
• In all matters relating to the Program, the decision of IndusInd Bank shall be final and binding in all respects.
• The Bank reserves the right at any time without prior notice to add, alter, modify, all or any of these terms and conditions or replace, wholly or in part, this Program by any other Program, whether similar or different to this Program or to withdraw it altogether without giving prior notice.
• The terms and conditions of the Program shall be in addition to and not in substitution/derogation to the Primary Terms and Conditions governing the Card and shall at all times be read along with the terms of the Cardholders’ Agreement and
• such other terms and conditions that the Bank may deem appropriate in its sole discretion. Any irreconcilable contradiction between the terms and conditions contained herein and the Cardholders’ Agreement, then the terms of the Cardholders’ Agreement to prevail the present conditions.
• In case the Cardholder has any issues/disputes regarding the Offer, he/she must raise his or her concerns before 3 months of the offer end date.
• Any disputes raised post this date will not be entertained by the Bank. Any disputes arising out of this Program shall be subject to the exclusive jurisdiction of competent courts in Mumbai only.