By participating in the RuPay Scan & Score Rewards Program (“Program”)you agree to be bound by these Terms and Conditions (“Terms”).

1. Terms for participating in the Program

1.1. Duration

1.1.1. The RuPay Scan & Score Rewards Program will commence from 18^th June 2024 and shall continue until 31^st January 2025 (“Tenure”).

1.1.2. The Program Tenure can be modified or extended based on the sole and absolute discretion of NPCI.

1.2. Eligibility

1.2.1. Any User who is 18 or above years of age is eligible to participate in the Program and this Program is being carried out Pan India

1.2.2. Transaction Eligibility

1.2.2.1. A transaction will be considered eligible for RuPay Scan & Score Rewards Program (“Program”) Coins accrual, provided it fulfils the following requirements:

• Payer account type is RuPay Credit Card (“RCC”) through UPI
• The transaction is a successful transaction.
• Minimum transaction value ₹400 for Silver Tier, ₹200 for Gold Tier & ₹100 for Platinum Tier
• The transaction should fulfil below categorisation for Coins accrual:
  • All online transactions are eligible for Coins accrual
  • In offline transactions, all large merchants’ transactions are eligible for Coins accrual
  • In offline transactions at small merchants’ stores, transaction value should be greater than or equal to ₹2000. Transactions value less than ₹2000 at small merchant stores will not be eligible for RSAS Rewards Program Coins accrual.
• Only those transactions where interchange is applicable (refer circular NPCI/2022-23/RuPay/019-A ) is eligible for the Coins accrual in RSAS Rewards Program.
• Transaction shall only be calculated for Coins accrual from the date of user’s registration in the program, till the end of the program (both days inclusive).

Effective 20th October 2024, there will be no minimum transaction value requirement of ₹400 for Silver Tier, ₹200 for Gold Tier & ₹100 for Platinum Tier

1.2.2.3 Excluded transactions for RSAS Rewards Program Coins accrual:

• Transactions done under below categories shall be not considered for Coins accrual:

  Description
  Financial institutions manual cash disbursements
  Financial Institutions – Merchandise and Services and other similar services
  Cash Withdrawal (Interoperable Cardless Cash Withdrawal – Using RCC on UPI)
  P2PM CHANGES (for small merchants and unorganized retail sector)
  Lending Platform
  Digital account openings
  Financial institutions automated cash disbursements
  Non-financial institutions foreign currency, money orders (not wire transfer), scrip and travellers checks
  Securities brokers and dealers
  Debt collection agencies
  Government-Owned Lotteries
  Government-Licensed On-Line Casinos (On-Line Gambling)
  Betting, including lottery tickets, casino gaming chips, off-track betting and wagers at racetracks
  Government-Licensed Horse/Dog Racing
  Government-Owned Lotteries (Specific Countries)
  Wire transfers and money orders

• Transactions done on below mentioned Corporate Credit Cards shall be not considered:

  BIN	Bank	Name of Card	Card Type
  652939	Bank Of India	Proprietary Card	Business
  652991	Bank Of India	Business	Business
  652987	Central Bank Of India	MCC	Business
  652940	HDFC	CPC 1	Business/Select
  652941	HDFC	CPC 2	Business/Select
  652942	HDFC	T&E 1	Business/Select
  652943	HDFC	T&E 2	Business/Select
  652944	IDFC First Bank	IDFC Business/Commercial Card	Business
  652945	IDFC First Bank	IDFC Business/Commercial Card	Business
  652946	IDFC First Bank	IDFC Business/Commercial Card	Business
  652980	Indian Overseas Bank	MCC	Commercial MCC
  652931	SBM	Business	Business
  652936	SBM	Business	Business
  652935	SBM	Business	Business
  652932	SBM	Business	Business
  356166	Yes Bank	Business	Business
  356182	Yes Bank	Business	Business
  356183	Yes Bank	Business	Business
  356119	IndusInd Bank	Esvarna	Commercial Pro
  356169	IndusInd Bank	Esvarna	Commercial Business

1.2.3. RuPay Scan & Score Loyalty Program

1.2.3.1. User would be able to earn Reward Coins against each eligible transaction, criteria for which is stated under point 1.2.2. Tiers will be unlocked at each stage on fulfilment of both the conditions (minimum number of cumulative Transactions & minimum cumulative Spend) set against each Tier.

1.2.3.2. Any new Tier will be unlocked only after the previous tier is unlocked / fulfilled.

The program tier structure with accrual details is as under:

New Program Structure (Effective from 20th October 2024)

Users will earn Coins on a pro-rata basis, irrespective of the transaction value

For Customers registered before 20th Oct: For customers who are already eligible for a tier upgrade based on the new criteria, the upgrade will only take effect after they complete at least one eligible transaction on or after 20th October 2024

Earlier Program Structure (Effective until 19th October 2024)

1.2.3.3. Coins Earning Process:

1.2.3.3.A. New Coins Earning Process: (Effective from 20th October 2024)

1.2.3.3.A.1. A User would earn 1 Coin for every ₹400 spent in Silver Tier, 1 Coin for every ₹200 spent in Gold Tier and 1 Coin for every ₹100 spent in Platinum Tier.

1.2.3.3.A.2. Users will earn Coins on a pro-rata basis, irrespective of the transaction value i.e. if a user has done a transaction of ₹200 when he is Silver Tier, then the user will get 0.50 coins

1.2.3.3.A.3. There will not be any minimum transaction value threshold requirement in any Tier which will allow users to receive rewards based on their actual spends

1.2.3.3.A.4. There is a per transaction capping applicable in the program, where a Silver Tier User would earn max. 25 Coins per transaction; Gold Tier User would earn max. 50 Coins per transaction; and Platinum Tier User would earn max. 100 Coins per transaction.

1.2.3.3.A.5. As per the monthly Coins accrual capping rule, a Silver Tier User would earn max. 250 Coins per month; Gold Tier User would earn max. 500 Coins per month; and Platinum Tier User would earn max. 1000 Coins per month.

1.2.3.3.A.6. To maintain Gold tier, users must conduct transactions totalling at least ₹15,000 along with 13 transactions per month.

1.2.3.3.A.7. To maintain Platinum tier, users must conduct transactions totalling at least ₹25,000 along with 20 transactions per month.

1.2.3.3.B. Earlier Coins Earning Process: (Effective until 19th October 2024)

1.2.3.3.B.1. A User would earn 1 Coin for every ₹400 spent in Silver Tier, 1 Coin for every ₹200 spent in Gold Tier and 1 Coin for every ₹100 spent in Platinum Tier.

1.2.3.3.B.2. There is a per transaction capping applicable in the program, where a Silver Tier User would earn max. 25 Coins per transaction; Gold Tier User would earn max. 50 Coins per transaction; and Platinum Tier User would earn max. 100 Coins per transaction.

1.2.3.3.B.3. As per the monthly Coins accrual capping rule, a Silver Tier User would earn max. 250 Coins per month; Gold Tier User would earn max. 500 Coins per month; and Platinum Tier User would earn max. 1000 Coins per month.

1.2.3.3.B.4. To maintain Gold tier, users must conduct transactions totalling at least ₹25,000 along with 25 transactions per month.

1.2.3.3.B.5. To maintain Platinum tier, users must conduct transactions totalling at least ₹40,000 along with 40 transactions per month.

1.2.3.4. Coins Redemption Process:

1.2.3.4.1. Coins accumulated by the program members can be redeemed within chatbot

1.2.3.4.2. User must click on ‘Redeem Coins’ from main menu options

1.2.3.4.3. A User would be able to view the list of vouchers available for redemption in the chatbot. User can redeem the available Coins balance against the vouchers listed. A User can only redeem one voucher in a single redemption request

1.2.3.4.4. Availability of brand vouchers and denomination is sole discretion of NPCI.

All transactions should qualify the eligibility criteria given in point 1.2.2.

1.3. Offer & Voucher Terms

1.3.1. The applicability of offers and vouchers may vary for each participating merchant in this Program.

1.3.2. The offer & voucher terms may vary for each participating merchant in this Program.

1.3.3. The validity of offers & vouchers will vary for each participating merchant in this Program.

1.3.4. The offers are not transferable, non-negotiable and cannot be enchased at the retail participating stores.

1.3.5. The vouchers are non-negotiable and cannot be encashed at the retail participating stores.

1.3.6. The User acknowledges that the offers & vouchers offered by participating merchant shall be redeemed on the respective website and/or mobile application of the said participating merchant and the issue and use of such offers & vouchers will be in accordance with the applicable terms and conditions of the respective merchant.

1.3.7. The User acknowledges that NPCI disclaims all responsibility and liability associated with the offers and vouchers, including without limitation, any warranties associated with the offers & vouchers and/or additional costs associated with the offers & vouchers and its redemption.

2. Collection and Usage of your information

2.1. We collect, process, use, store, transfer, disclose and share your information with your consent. By participating in the RuPay Scan & Score and providing your personal information, you consent to the processing of your personal information in accordance with these Terms.

2.2. NPCI (“We, Us, Our”) collects personal and financial information from you when you scan the QR code/Click RSAS digital banner/Send a nudge or attempt to scan the QR Code/Click RSAS digital banner/Send a nudge or interact with NPCI, such as:

2.2.1 Personal information such as your name, photograph, date of birth, email id/address, phone number, profile details, gender, address, and other personally identifiable information provided by you to participate in the Program.

2.2.2 Financial and transaction information such as your bank account details, card details, other financial transaction related information (including but not limited to, transaction details and history, etc.).

2.2.3 Your device details like device identifier, SIM details, location, cookies, plug-ins.

2.3. In general, the information you submit to us is used either to provide services to you or respond to requests that you make, by us or our service providers, in the following ways:

• To send you an e-mail or message in relation to the Program, including offers and promotional materials.
• To identify you as a user in our system.
• To send you administrative e-mails, messages, or notifications.
• To resolve disputes, meet legal obligations.
• To click photographs of the Winner and use the Winner’s name and photograph, for advertising and promotional purposes in any media worldwide, only for the purposes of advertising and without any additional compensation whatsoever to the Winner.

2.4. We may share your personal information in relation to the Program for the purposes of processing your transactions and other instructions with different persons/entities or participating in a payment system, service providers, business associates, government and regulatory authorities, consultants, and internal departments.

2.5. We may share your personal information, on a need-to-know basis, for the following purposes:

2.5.1. Grievances. For grievance redressal and dispute management related to the Program.

2.5.2. Fraud and Risk management. For verification, investigation or prevention of frauds or to manage risks (including risk mitigation) or recover funds in accordance with applicable laws or for User awareness and safety.

2.6. Where your information is shared with service providers, merchants or any regulatory or government authorities, the use and processing of your information is governed by their respective policies. NPCI ensures strict obligations for protection of your information are imposed on these entities, wherever applicable and to the extent possible/feasible for NPCI. However, we do not accept any responsibility or liability for usage of your information by these third parties or their policies.

3. Other terms

3.1. 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.

3.2. NPCI may, at any time change, amend, add or delete the RuPay Scan Score Rewards Program rules, terms and conditions associated with the program and communicate the changes to you and the member banks from time to time.

3.3. NPCI also reserves the right to amend, modify including the right to discontinue the Program without assigning any reasons or without any prior intimation whatsoever.

3.4. NPCI holds out no warranty or makes no representation about the transportation, quality, delivery or otherwise of the goods and services offered or sold as part of the Program. Any dispute or claim regarding the goods and services must be resolved by you with the seller directly without any reference to NPCI.

3.5. Decision made by NPCI will be final and binding on you.

4. Governing law and jurisdiction

These Terms and the relationship between you and NPCI shall be governed by the laws of the India as applied to agreements made, entered, and performed entirely in India, notwithstanding your actual place of residence. The appropriate courts and forums located at Mumbai; Maharashtra shall have exclusive jurisdiction in any proceedings arising out of the Program. NPCI may, however, in its absolute discretion commence any legal action or proceedings arising out of the Program in any other court, tribunal or other appropriate forum and you hereby consent to that jurisdiction.

5. Contact

We welcome your comments, questions, or complaints regarding this Campaign. Please reach out to us at rupay.scanandscore@npci.org.in.