Tide January 2025 Offer Terms and Conditions
Offer Details
This offer will begin on 1 January 2025 and will end on 31 January 2025 (both dates inclusive).
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.
As part of this offer, a Tide member can get: (a) an iPhone 16 Pro Max (under the Top Spender Category); and (b) cashback as specified in this offer communication (under the Cashback Category) upon making Tide Expense Card transactions which meet the eligibility criteria.
Terms specific to the Top Spender Category
To be eligible to get the reward under this category, you must: (a) cumulatively spend at least Ten Lakh Rupees (INR 10,00,000) during the offer period using your Tide Expense Card; (b) be the top spender during the offer period out of all participating Tide members; and (c) make such transactions for personal use and not for business use.
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. For example, if 10 members have spent the same amounts during the offer period, 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.
Users are eligible to receive an iPhone only once per calendar year; additional claims within the same year will not be accepted.
Terms specific to the Cashback Category
To be eligible to receive cashback under this offer, you must: (a) make valid transactions on your Tide Expense Card during the offer period and meet the transaction milestones specified below; and (b) make such transactions for personal use and not for business use.
Cashback will be credited in the prepaid payment instrument (PPI) associated with the eligible members’ Tide Expense Card. If cashback cannot be credited to PPIs for any reason, we reserve the right to offer the eligible members Amazon gift cards of amounts equal to the cashback they’re eligible for.
General Condition | Cashback |
All valid spends on your Tide Expense Card during the offer period up to INR 20,000. | 2% of the transaction amount |
This offer is not applicable to transactions in the following categories: insurance sales and underwriting, government services (NEC) or fire departments, passenger railways, universities, colleges, sr colleges or professional schools, tax payments, elementary or secondary schools, correspondence schools, local/sub commuter passenger transportation, incl ferries or water transportation, charitable or social services organizations, agricultural inputs. | No Cashback |
Milestone Condition | Cashback (inclusive of 2% cashback on all valid spends specified above) |
Reach cumulative spends of INR 20,000 to INR 49,999 on your Tide Expense Card during the offer period. | INR 700 |
Reach cumulative spends of INR 50,000 to INR 99,999 on your Tide Expense Card during the offer period. | INR 1,500 |
Reach cumulative spends of INR100,000 to INR 1,99,999 on your Tide Expense Card during the offer period. | INR 3,000 |
Reach cumulative spends of INR 200,000 or more on your Tide Expense Card during the offer period. | INR 6,500 |
Exclusive milestones for holders of Tide Rewards Pass | Cashback |
Reach cumulative spends of INR 400,000 to INR 5,99,999 on your Tide Expense Card during the offer period. | INR 12,500 |
Reach cumulative spends of INR 600,000 or more on your Tide Expense Card during the offer period. | INR 21,000 |
This offer is not applicable to transactions in the following categories: insurance sales and underwriting, government services (NEC) or fire departments, passenger railways, universities, colleges, sr colleges or professional schools, tax payments, elementary or secondary schools, correspondence schools, local/sub commuter passenger transportation, incl ferries or water transportation, charitable or social services organizations, agricultural inputs,grocery stores or supermarkets, misc food stores - specialty markets & convenience, general contractors - residential buildings, electrical contractors, special trade contractors, contractors -- concrete work ,a/c, heating or plumbing contractors - sales & installation,carpentry ,alimony, child support or court costs ,direct marketing insurance services, roofing, sheet metal work, or siding -- contractors ,electric, gas, sanitary, telephone or water utilities, gas/service stations with/without ancillary services ,telecommunications service including local/long dist credit & fax,real estate agents and managers-rentals ,fuel dealers-fuel, oil, wood, coal, lique ,business schools or secretarial schools ,security brokers/dealers ,financial institutions - merchandise & services ,automated fuel dispensers ,schools and educational services (nec) ,vocational or trade schools. | No milestone cashback on these categories |
A member will only be eligible to receive cashback under one milestone category and not cumulatively under multiple milestones. For example, a member who spends INR 150,000 during the offer period will be eligible to receive a cashback of INR 3,000 only. |
Terms applicable to both categories of this offer
This offer is subject to the Tide Offers General Terms and Conditions. Members who are not compliant with those terms will be disqualified from this offer.
This offer is only valid once per member and no member will be eligible to participate in this offer twice. This offer cannot be used in conjunction with any other Tide offer or promotion.
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 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 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 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 insurance sales and underwriting, government services (NEC) or fire departments, passenger railways, universities, colleges, sr colleges or professional schools, tax payments, elementary or secondary schools, correspondence schools, local/sub commuter passenger transportation, incl ferries or water transportation, charitable or social services organizations, agricultural inputs. We reserve the right to revise this list of excluded categories from time to time. We use the MCC to determine if you can earn cashback on a transaction.We do not control what type of MCC a merchant gets and are not able to change this code. This means that in some cases, a merchant might sell something that seems eligible for cashback, but because of the MCC, the transaction isn’t eligible for cashback.