Daily 40% cashback (capped at a maximum of ₹ 4,000/-)*

T & C

Daily 40% cashback (capped at a maximum of ₹ 4,000/-) on minimum transaction amount of ₹ 1,000 on RuPay International Card for successful Point of Sale (POS) transaction in the following countries - 

  1. Discover & Diners Club International cashback is offered in: USA, UAE, UK, Spain, Switzerland, Singapore and Sri Lanka 
  2. JCB cashback is offered in: UAE, Singapore and Thailand 

Offer applicable at any merchant location accepting the RuPay International Card (Debit/Credit).

Look for the Discover & Diners Club International / JCB logos on your RuPay International card and at the merchant locations to avail the offer.

Fri 01 Nov, 2019 to Tue 31 Mar, 2020

  1. The Offer shall be applicable to RuPay International Card (Debit/Credit).
  2. In order to avail the benefits under this offer(s), the RuPay cardholder(s) would be required to get their RuPay International Card activated for international transaction by contacting its card Issuing bank or via Net banking, Mobile banking, phone banking or branch banking services of respective issuing bank.
Countries Brand Campaign Period
  1. Singapore
  2. UAE
  3. Thailand
RuPay – JCB Card

10th Dec 2019 till 31st Mar 2020

  1. Singapore
  2. United Arab Emirates
  3. United States of America
  4. United Kingdom
  5. Switzerland
  6. Spain
  7. Sri Lanka
RuPay – DFS Card

11th Nov 2019 till 31st Mar 2020

  1. RuPay International card can qualify for the cashback maximum once per day during the campaign period (inclusive start date and end date)
    1. Cashback will be processed for the highest value qualifying transaction per card per day regardless of multiple transactions.
    2. In case, if the cardholder resorts to transaction splitting of a particular transaction, only the highest value qualifying transaction will qualify for cashback on a daily basis (even if the qualified transaction criteria is met by all the transactions). Transaction splitting means when the invoice value is high and is split into multiple transactions.
  2. Minimum value of transaction for qualifying cashback is ₹ 1,000 and maximum value of cashback is 40% of the transaction amount with the cap of ₹ 4,000.
  3. A unique card is eligible to receive maximum ₹ 16000/- cashback in a calendar month.
  4. In case of multiple transactions performed in a day by the RuPay cardholder at any of the POS locations across above countries using an International RuPay card, the highest value transaction will qualify for 40% cashback capped at maximum of ₹ 4,000/-
  5. The offer is not transferable, non-negotiable and cannot be enchased at the retail participating stores.
  6. Incomplete / declined / invalid / returned /disputed or unauthorized/fraudulent transactions will not be considered for the offer.
  7. The Cashback amount (in INR) will be credited in the RuPay International Cardholders respective bank account through his/her Card Issuing Bank, within 45 days of the transaction date which is qualified for receiving cashback.

In case of any queries regarding the Campaign, customer may contact its respective RuPay International Card Issuing Bank

  1. National Payments Corporation of India (NPCI)  will not be responsible or liable in case the transaction could not be done due to but not limited to malfunction, delay, traffic congestion on any telephone network or line, computer on-line system, servers or providers, computer equipment, software, or website.
  2. NPCI will not be liable for any issues on account of incorrect swipes done at the merchant location accepting the RuPay International Card (Debit/Credit)or for any technical problems with swipe machines at any merchant location accepting the RuPay International Card.
  3. NPCI may, at any time change, amend, add or delete the terms & conditions associated with the campaign and communicate the changes to the member banks from time to time.
  4. NPCI also reserves the right to discontinue the campaign without assigning any reasons or without any prior intimation whatsoever
  5. NPCI holds out no warranty or makes no representation about the quality, delivery or otherwise of the goods and services offered/sold by the merchant who is accepting the RuPay International Card. Any dispute or claim regarding the goods and services must be resolved by the Cardholder/s with merchant who is accepting the RuPay International Card directly without any reference to NPCI.
  6. NPCI shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services availed of by the RuPay Card Holder/s under the campaign.
    1. Decision made by NPCI will be final and binding on all member banks
    2. Any RuPay Cardholder (having a valid international active RuPay Card) participating in this campaign shall be deemed to have read, understood and accepted these terms & conditions.
    3. The terms & conditions of the campaign shall be in addition to and not in substitution / derogation to the Primary Terms & Conditions governing the RuPay International Card.

Governing Law and Jurisdiction:

These terms & conditions shall be governed by and interpreted in accordance with the Indian law. The jurisdiction and venue of any action with respect to the subject matter of these terms & conditions shall be the courts of Mumbai in India.


  1. “Card” shall mean variants of RuPay International Card, issued by a RuPay member bank of NPCI.
  2. “Card Holder/s” shall mean such customer/s to whom a RuPay International Card has been issued and who is authorized to hold the card.
  3. “Transaction/s” would mean all successful qualifying transaction at any POS merchant accepting the RuPay International Card (Debit/Credit) in above countries during the offer/camping period and will not include ATM, E-Com, Void transactions and reversals
  4. “Void Transactions” would mean any transaction wherein the transaction made using RuPay Global Card has been cancelled by the participating store prior to the settlement with Bank.
  5. “Campaign Period” shall mean the period during which the campaign will be valid, i.e. from the start day of the campaign at 00:01 hours until the end day of the campaign at 23:59 hours (inclusive both days). All qualifying transaction that have happened during the Campaign Period only will be eligible for cashback under this campaign.

NPCI terms and condition - 

  1. The offer is provided to RuPay cardholder/s  by the merchant. NPCI is only communicating this offer on behalf of the merchant. The offer is subject to the Terms and Conditions as prescribed by the merchant .
  2. Offer shall be made available only if the RuPay cardholder makes full payment by using a valid & eligible RuPay card.
  3. Offer shall not be made available in case of any void transaction.
  4. NPCI shall not be held liable and be made responsible in any manner for :
    1. Non-availability of the offers provided by merchant.
    2. Non-acceptance of RuPay cards at merchant outlet.
    3. Any delay or loss that may be caused in delivery of the goods and services or the assured gifts, freebies / prizes.
  5. NPCI does not guarantee and make any representation about the usefulness, worthiness of the offer provided by merchant.
  6. Any disputes related to the offer(s) shall be taken up directly with the merchant and with no direct and indirect reference to NPCI and/or any liability of nature on NPCI.
  7. The existence of a dispute, if any, regarding the offer shall not constitute a claim against NPCI and shall be addressed directly to the merchant.
  8. NPCI holds out no warranty or makes no representation about the quality, delivery or otherwise of the of the offer(s) offered by merchant. Any dispute or claim regarding the offer(s) by RuPay cardholder/s must be resolved with the merchant directly without any reference to NPCI.
  9. NPCI reserves the right to disqualify the alliance partner/s or cardholder/s from the benefits of the program if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the program or otherwise by use of the card.
  10. NPCI shall not be liable for any loss or damage that may be suffered, or for any nature whatsoever that may be suffered as a result of the offer.
  11. In the event of expiry of RuPay card, the same cannot be used for the purposes of claiming any offer(s).
  12. NPCI cannot be held liable for any act and omission attributable to force majeure events.

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