Rewards Pass and Pass Plus Terms and Conditions
Introduction These Terms and Conditions ("Terms") govern the milestone benefits on your Rewards Pass and Pass Plus (the "Plan Benefits") provided by Tide Platform Private Limited ("Company" or “we” or “us” or “our”). As a recipient of Plan Benefits, you agree to be bound by these Terms. Please read them carefully. Eligibility
The Plan Benefits are available to the holders of Tide Reward Pass and Tide Rewards Pass Plus only (including both monthly and annual subscription plans).
Please also read the terms specified under the Tide Offers General Terms and Conditions, and Tide Membership Terms and Conditions which apply to our offers and plan benefits.
Plan Benefits Details Remember, for both annual and monthly plans, the Plan Benefits will be calculated on a month-on-month basis, from the 1st of each calendar month until the last date of each calendar month (both dates inclusive) (the "Eligibility Window")
Conditions | Rewards Pass Benefits (Reward caps are monthly) | Rewards Pass Plus Benefits (Reward caps are monthly) | Specific Category Exclusions (in addition to the general exclusions set out below) - transactions in these categories will not count towards eligibility for cashback |
|---|---|---|---|
Cumulative spends of up to INR 49,999 on your Tide Expense Card during the Plan Duration | 1.5% of the transaction amount, up to a maximum of INR 750. | 1.5% of the transaction amount, up to a maximum of INR 750. | Transactions made on the Mobikwik website and mobile application . Transactions directly or indirectly made towards payment for the following: 1)Education: Universities/colleges (8220), Elementary/secondary schools (8211), Correspondence schools (8241). 2) Travel & Transportation: Passenger railways (4112), Local/suburban commuter transport (4111). 3) Government & Public Services: Government/fire departments (9399), Tax payments (9311). 4) Other: Insurance (6300), Charitable/social services (8398), Agricultural inputs (0825). |
Cumulative spends greater than INR 50,000, and up to INR 2,00,000 on your Tide Expense Card during the Plan Duration | 1.5% of the transaction amount, up to a maximum of INR 3000. | 1.5% of the transaction amount, up to a maximum of INR 3000. | Transactions made on the Mobikwik website and mobile application Transactions directly or indirectly made towards payment for the following: 1)Grocery & Food: Grocery stores, supermarkets (5411), miscellaneous food stores, specialty markets, and convenience stores (5499). 2)Contractors & Construction: General contractors (residential buildings - 1520), electrical contractors (1731), special trade contractors (1799), concrete work (1771), carpentry (1750), AC, heating, or plumbing contractors (sales & installation - 1711), roofing, sheet metal work, or siding contractors (1761). 3)Utilities & Fuel: Electric, gas, sanitary, telephone, or water utilities (4900), gas/service stations with or without ancillary services (5541), automated fuel dispensers (5542), fuel dealers (fuel, oil, wood, coal, liquor - 5983). 4)Education: Business or secretarial schools (8244), schools and educational services (NEC - 8299), vocational or trade schools (8249), universities, colleges, senior colleges or professional schools (8220), elementary or secondary schools (8211), correspondence schools (8241). 5)Financial & Insurance: Direct marketing insurance services (5960), security brokers/dealers (6211), financial institutions (merchandise & services - 6012), insurance sales and underwriting (6300). 6)Government & Public Services: Alimony, child support, or court costs (9211), government services (NEC) or fire departments (9399), tax payments (9311), charitable or social services organizations (8398). 7)Transportation: Passenger railways (4112), local/suburban commuter passenger transportation, including ferries or water transportation (4111). 8)Other Services: Telecommunications services (including local/long-distance credit & fax - 4814), real estate agents and managers, rentals (6513), agricultural inputs (0825). |
Cumulative spends greater than INR 2,00,000, and up to INR 6,00,000 on your Tide Expense Card during the Plan Duration | NA | 1.5% of the transaction amount, up to a maximum of INR 9,000. | Transactions made on the Mobikwik website and mobile application Transactions directly or indirectly made towards payment for the following: 1)Grocery & Food: Grocery stores, supermarkets (5411), miscellaneous food stores, specialty markets, and convenience stores (5499). 2)Contractors & Construction: General contractors (residential buildings - 1520), electrical contractors (1731), special trade contractors (1799), concrete work (1771), carpentry (1750), AC, heating, or plumbing contractors (sales & installation - 1711), roofing, sheet metal work, or siding contractors (1761). 3)Utilities & Fuel: Electric, gas, sanitary, telephone, or water utilities (4900), gas/service stations with or without ancillary services (5541), automated fuel dispensers (5542), fuel dealers (fuel, oil, wood, coal, liquor - 5983). 4)Education: Business or secretarial schools (8244), schools and educational services (NEC - 8299), vocational or trade schools (8249), universities, colleges, senior colleges or professional schools (8220), elementary or secondary schools (8211), correspondence schools (8241). 5)Financial & Insurance: Direct marketing insurance services (5960), security brokers/dealers (6211), financial institutions (merchandise & services - 6012), insurance sales and underwriting (6300). 6)Government & Public Services: Alimony, child support, or court costs (9211), government services (NEC) or fire departments (9399), tax payments (9311), charitable or social services organizations (8398). 7)Transportation: Passenger railways (4112), local/suburban commuter passenger transportation, including ferries or water transportation (4111). 8)Other Services: Telecommunications services (including local/long-distance credit & fax - 4814), real estate agents and managers, rentals (6513), agricultural inputs (0825). |
Transfer funds from your PPI (linked to your Tide Expense Card) to your verified bank account. | If the amount transferred is between INR 100,000 to INR 1,99,999 - cashback worth INR 1500 If the amount transferred cumulatively reaches INR 2,00,000 - cashback worth INR 3000 | If the amount transferred is between INR 100,000 to INR 1,99,999 - cashback worth INR 1500 If the amount transferred cumulatively reaches INR 2,00,000 - cashback worth INR 3500 | NA |
Cumulatively spend at least Ten Lakh Rupees (INR 10,00,000) during the Offer Period using your Tide Expense Card and be the top spender during the Offer Period out of all participating Tide members. | NA | iPhone 17 Pro (You can get this reward only once per calendar year. You will not receive the reward twice within the same calendar year even if you meet all other eligibility conditions) | Transactions made on the Mobikwik website and mobile application Transactions directly or indirectly made towards payment for the following: 1) Educational Institutions: Universities, colleges, senior colleges, professional schools (8220), elementary or secondary schools (8211), and correspondence schools (8241). 2) Government & Public Services: Insurance sales and underwriting (6300), government services (NEC) or fire departments (9399), and tax payments (9311). 3) Transportation: Passenger railways (4112) and local/suburban commuter passenger transportation, including ferries or water transportation (4111). 4) Non-Profit & Social Services: Charitable or social services organizations (8398). 5) Agricultural: Agricultural inputs (0825). |
Order on your favourite food delivery, grocery and travel apps and get amazing discounts, subject to the T and Cs of each such offer. | NA | Discount of up to INR 6000 | As specified in the terms and conditions of the applicable third party brand offer. |
Priority in-app chat support | NA | Yes | NA |
We retain the right to periodically update the list of excluded categories.
Reliance on Spend Tracker: The spend tracker provided within our app is for illustrative purposes only and may not accurately reflect the final eligibility of transactions towards this Offer. While it tracks your overall spending, it may include transactions that are ultimately ineligible due to specific exclusions (such as merchant category codes, transaction types, or use of the Mobikwik platform) as detailed throughout these Terms. The final determination of your eligibility and rewards will be based solely on the official criteria and exclusions set forth in these Terms, and not on the figures displayed by the in-app spend tracker.
We determine cashback eligibility based on the Merchant Category Code (MCC). We do not control or have the ability to change a merchant's MCC. Consequently, a transaction may appear eligible for a reward based on the product or service sold, but it may not be eligible due to the MCC assigned to the merchant.
In case of a tie (where two or more members spend the same amount) for the top spender category of these Plan Benefits, 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. For example, if 10 members have spent the same amounts during the Eligibility Window, the member who answers the qualifying skill-based question first in time will be eligible to claim the reward. 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.
We reserve the right to modify or withdraw the Plan Benefits or these Terms, at any time. Rest assured, such changes won’t apply to Plan Benefits already accrued before the changes or withdrawal came into effect.
Cashback terms on our plans may change month on month and we request you to carefully read the cashback terms for the month in which you are transacting.
When do your transactions count towards cashback?
When do your transactions count towards cashback?
If you are on the Tide Rewards Pass Plus, all transactions you make in the calendar month of subscription will be considered towards cashback. For example, if you subscribe to the Tide Rewards Pass Plus on the 20th of a month, all transactions you make in such a calendar month will be considered towards cashback.
If you are on an annual subscription of the Tide Rewards Pass, all transactions you make in the calendar month of subscription will be considered towards cashback. See example above.
If you are on a monthly subscription of the Tide Rewards Pass, cashback benefit will be calculated based on the date you subscribe to the Tide Rewards Pass: (a) if you subscribe on or before the 14th day of the calendar month, all transactions you make in the calendar month of subscription will be considered towards cashback. For example, if a plan is purchased on the 10th of a month, it will remain valid until the last day of the month (30th/31st) and all transactions made in such month (starting from the 1st of the month) would be considered towards calculation of cashback for such month. (b) if you subscribe on or after the 15th day of the calendar month, only the transactions made after you subscribe to the plan will be considered towards cashback. For example, if a plan is purchased on the 18th of a month, it will remain valid until the last day of the month (30th/31st) and only the transactions made on or after the 18th of month would be considered towards calculation of cashback for such month.
If you are on the Tide Rewards Pass and upgrade to a Tide Rewards Pass Plus in the middle of a month, all transactions you make in the calendar month of subscription will be considered towards cashback, irrespective of the date of upgrade. For example, if you purchase a Tide Rewards Pass on the 16th of the month, and upgrade to a Tide Rewards Pass Plus on the 20th, all transactions you’ve made in such a calendar month will be considered towards cashback/rewards under the Tide Rewards Pass Plus.
Other Terms and Conditions
These Terms are to be read together with the Tide Offers General Terms and Conditions, Tide Membership Terms and Conditions. These Plan Benefits will be deemed to be offers under Tide Offers General Terms and Conditions, and will be governed by those terms as such. Those terms are incorporated here by reference and form an integral part of these Terms. Members who are not compliant with those terms will be disqualified from receiving these Plan Benefits. With respect to these Plan Benefits, these Terms will prevail in case of any conflict between these Terms and any other terms & conditions of Tide.
We consider the date on which money is deducted from your PPI (linked with your Tide Expense Card) as the date of the transaction.
Only genuine transactions will count towards eligibility for these Plan Benefits. A transaction will not count towards the eligibility for these Plan benefits if: (a) you cancel or reverse the transaction; (b) the transaction is invalidated or refunded 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 Eligibility Window; (f) the transaction is a cash withdrawal from an ATM; (g) 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; or (i) the transaction is made towards a purchase of prohibited goods or services.
We reserve the right to disqualify any member who violates these Terms, including any member who is found: (a) to not meet the Plan Benefit requirements; (b) tampering with the entry process or the operation of a Plan Benefit; (c) acting in violation of these Terms; or (d) acting in an unsportsmanlike or disruptive manner or with intent to abuse, cause wrongful loss, defraud, threaten or harass any person.
These Plan Benefits cannot be combined with any other offer or promotion run by Tide. Further, you can only receive these Plan Benefits once per Eligibility Window.
Contact Information Our decision as to the benefits, rewards and any associated computation will be final and binding. For questions about the Plan Benefits, please contact us at indiasupport@tide.co within 90 days from the last date of the Plan Duration, failing which no further queries will be entertained regarding the Plan Benefits.
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Past Tide Rewards Pass Offer Terms and Conditions January February March April May June