Tide January 2025 Offer Terms and Conditions

Offer Details

  1. This offer will begin on 1 January 2025 and will end on 31 January 2025 (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, 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

  1. 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.
  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. 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.
  3. 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

  1. 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.
  2. 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.

Terms applicable to both categories of this offer

  1. 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.
  2. 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.
  3. We consider the date on which money is deducted from your PPI (linked with your Tide Expense Card) as the date of the transaction.
  4. 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.