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Terms and Conditions: Gold Coins for Daily Top Spender

Offer Details

  1. This offer will begin on 01 January 2024 and will end on 07 January 2024 (both dates inclusive).

  2. This offer is available to select members only. We will reach out to the eligible members on call, email, SMS, WhatsApp or through the Tide app.

  3. As part of this offer, one (1) Tide member can get a 1 gm gold coin of 24 carat every day upon making Tide Expense Card transactions which meet the eligibility criteria for this offer.


  1. To be eligible to get a gold coin, you must: (a) spend at least One Lakh Fifty Thousand Rupees (INR 1,50,000) on a calendar day falling within the offer period using your Tide Expense Card; (b) be the highest spender (out of all participating Tide members) on such calendar day; and (c) make such transactions for personal use and not for business use.

  2. In case of a tie (where two or more members spend the same amount), such members will be required to answer qualifying skill-based questions correctly within the given time period using the link we share. The member first in time to answer the questions correctly will be eligible to claim the reward – gold coin. The timestamps of responses will be used to determine the time of answering the qualifying question. If you do not respond within the given time period, or answer any question incorrectly, you will not be eligible to claim the reward.

Claim and Delivery

  1. The selected member will receive an email from us informing them about their reward. To claim the reward, a member must follow the instructions in our email and (a) provide any additional information required by us; and (b) pay us the applicable amount of tax to be deducted on the reward, in light of applicable provisions of the Income Tax Act, 1961. If the selected member fails to claim the reward as per our email within seven (7) business days from the date of the email, such member will be deemed to have forfeited their claim to the reward and Tide will dispose the reward as per its sole discretion.

  2. Once the selected member claims their reward (as per clause 1 above), the reward will be delivered to their address registered with us, within ninety (90) days from the date on which they claim the reward. We wish to ensure that all rewards are delivered to the right address. Thus, we may call the selected member on their mobile number registered with us to verify their address before dispatching the reward. If such member would like the reward to be delivered to an alternate address (i.e. an address not registered with us), we may conduct additional due diligence of the details submitted to our satisfaction. In such cases, the delivery of rewards may take longer than the aforesaid time period. We will not be able to deliver and will have to cancel the reward if our courier service does not deliver in your area of residence. You agree to not hold us, our directors, officers, employees, or service providers, responsible for any delays in delivery of rewards caused due to events beyond our reasonable control.

  3. Graphics of the reward in any communication regarding the offer are for representation purposes only. The actual reward may differ in colour and appearance. In circumstances beyond our control, we may substitute the reward with an alternative reward of equal value at our sole discretion. If you earn a reward, you cannot transfer, assign, or redeem it for cash or other consideration.

Other Applicable Terms

  1. These offer terms and conditions are to be read together with the Tide Membership Terms and the Tide Rewards Terms and Conditions. Members who are not compliant with those terms will be disqualified from this offer.

  2. This offer, the eligibility criteria, disqualification criteria, validity criteria for transactions, rewards and any other terms can be modified, withdrawn, or cancelled, in part or in full, at any time, in our sole discretion, without any intimation.

  3. This offer is only valid once per member and no member will be eligible to win more than one gold coin under this offer. This offer cannot be used in conjunction with any other Tide offer or promotion.

  4. A maximum of 7 gold coins will be distributed as rewards as part of this offer.

  5. We consider the date on which money is deducted from your PPI (linked with your Tide Expense Card) as the date of the transaction.

  6. If your Tide Expense Card is cancelled or withdrawn, or if the PPI associated with your Tide Expense Card is terminated or suspended, the reward earned under this offer (which are yet to be delivered) will be deemed forfeited.

  7. Only genuine transactions will count towards eligibility for this offer. A transaction will not count towards the eligibility for this offer if: (a) you cancel or reverse the transaction; (b) the transaction is invalidated or fails to go through; (c) the merchant or you dispute the transaction; (d) the transaction is made to load/fund your PPI associated with the Tide Expense Card; (e) the transaction is not made during the offer period; (g) the transaction is a cash withdrawal from an ATM; (h) the transaction is not valid or appears to be suspicious or fraudulent or done with an intent to abuse the process or for wrongful gain to any member or wrongful loss to Tide; (i) the transaction is made towards a purchase of prohibited goods or services; or (j) the transaction is directly or indirectly made towards payment of rent, utilities, bill payments, fuel or education fee.

  8. If we find that the reward has been delivered to you incorrectly, we reserve the right to cancel or set off such erroneously delivered reward against any sums we owe you, subject to applicable law. We also reserve the right to withhold or forfeit a reward we believe has been earned fraudulently.

  9. This offer is being made on a ‘best efforts’ basis and participation in this offer is voluntary. By participating in this offer, you agree to release from liability, and hold harmless us, and any of our affiliates, employees or agents representing or related to us and our services/products. This release is for all liability arising out of, or in connection with this offer, even if caused or contributed to by our negligence.

  10. Our decision as to the reward and any associated computation will be final and binding. For any disputes about the reward, you must reach out to us at indiasupport@tide.co within thirty (30) days from the last date of the offer.

*For all Tide Festive Offer Terms and Conditions (TnCs), please refer to the link.