PayZapp offers

Please Note:

*Instant Cashback offer on "Recharge" category is applicable only on weekdays i.e. (Monday to Friday) on transaction done from 9:00AM to 9:00PM. Transaction done on Weekend i.e. (Saturday & Sunday) then CashBack will be posted on 10 working days from the date of transaction. Offer is applicable only on payment made via PayZapp upon successful apply of promocode i.e. "RECHARGE"

Please click here- https://offers.smartbuy.hdfcbank.com/offers/merchants for Scan and Pay (offline and online merchant details)

To receive cashback for any of the above mentioned promos, customer has to update the KYC

D'Mart Ready offer is applicable only in Mumbai, Thane and Navi Mumbai location.

Cashback- Additional Terms & Conditions

• Definitions:
  "Cashback Misuse shall mean all such events or series of events or circular events where a Customer tries to abuse or misuse or game the system to gain Cashback or any other rewards or benefits, without actually completing (including subsequent reversals) the Transactions or purchases or part of them, or by misusing loopholes or available offers to gain excessive Cashback without the real intentions of completing the Transactions. E.g. (i) transactions or series of transactions done for Cashback and reversal or cancellation of such Transactions e.g. where goods or services are returned once the Cashback is received (ii) circular transactions.
  "Cashback-Non-Eligible Accounts" shall mean the PayZapp PPIs, whether Full KYC PPI or Minimum KYC PPI, which as per the Bank’s discretion will be not eligible for Cashback Offers or for receiving the Cashback. Even if it’s not indicated on the Merchant platform, such Customers will not get the Cashback.
• If a transaction has been made through PayZapp, then these terms and conditions shall be applicable even if the same were not specifically highlighted or a link to the same was not displayed on the merchant webpage/app. To the extent of any conflict between the terms and conditions displayed on the merchant website/app and this document, the terms of this document shall prevail.
• PayZapp Customers who have not completed either the Minimum KYC Process or the Partial KYC process or the Full KYC Process shall not be eligible to receive any Cashback.
• The maximum Cashback a Customer is entitled to on an aggregate basis from all the purchases or transactions or events, per month, is Rs. 3000/- (or such other amount at the discretion of Bank as may prescribe in this regard from time to time, subject to change given prior one-month notice in advance). This limit shall be calculated basis the PAN and in case there are more than one PayZapp PPIs linked to one PAN, then the single limit shall be applicable for all such PPIs taken together and each such PPI will not have a separate limit.
• The maximum Cashback limit a Customer is entitled to per Cashback Offer as per the Offer Specific Terms, shall be calculated basis the PAN and in case there are more than one PayZapp PPIs linked to one PAN, then the single limit shall be applicable for all such PPIs taken together and each such PPI will not have a separate limit.
• A Customer shall be allowed Cashback for maximum of such number of Transactions per day as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit.
• A Customer shall be allowed Cashback for maximum of such number of Transactions per day per Merchant as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit. For the purposes of determining the Merchant, the Bank may go by the Merchant name, MCC, TID, MID or Merchant PAN, or any or all of them.
• A Customer shall be allowed Cashback for maximum of such number of Transactions per month, shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit.
• A Customer shall be allowed Cashback for maximum of such number of Transactions per month per Merchant as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit. For the purposes of determining the Merchant, the Bank may go by the Merchant name, MCC, TID, MID or Merchant PAN, or any or all of them.
• Cashback credited to the Customer can only be utilised by the Customer for purchase of goods or services and that too within the Validity Period. Further for each purchase, the PPI issuer may set up for use of Cashback, a maximum and/or minimum limit, in its discretion, and such limit shall be binding upon the Customer. Cashback cannot be transferred to any bank account or to other PayZapp PPI accounts or to a card or a PPI account of any other Issuer.
• Any Cashback if not utilised within 12 months from the date it had been credited in the PayZapp PPI account of the Customer (or such other time period at the discretion of Bank as may prescribe in this regard from time to time, subject to change given prior one-month notice in advance) shall lapse and expire automatically and the Customer shall be solely and entirely responsible for monitoring this expiry period (“Validity Period”), and the Bank shall not be required to issue any advice or notice or notification before or after such lapse or expiry, to the Customer, whether through the PayZapp Application or by way of sms or email or any other method. The Cashback which lapses or expires as above, shall not be reinstated and the Customer shall not be able to use the same in any manner whatsoever. The Customer shall be fully liable for the same.
• Bank may in its absolute and sole discretion, cancel the Cashback or reverse the Cashback already credited to the PayZapp account of the Customer, if the Bank believes that the underlying transaction(s) was done for Cashback Misuse or in an unauthorized or fraudulent manner or at any prohibited locations or in breach of the Terms and Conditions Document.
• If it is discovered that a Customer has more than one PayZapp PPIs or that there are more than one PayZapp PPIs linked to the same PAN, then all the PayZapp PPIs of the Customer shall be classified as Cashback-Non-Eligible Accounts and the Cashback already credited, if any, by then, shall be reversed by the Bank in its sole discretion.
• On one Mobile Device, the maximum PayZapp PPIs that are allowed to be registered are 3 (three). The fourth PayZapp PPI (in chronology) registered on any such Mobile Device, shall become a Cashback-Non-Eligible Account at the discretion of PayZapp.
• The Customer agrees and acknowledges that Bank may in its absolute sole discretion permanently disable the PayZapp account of the Customer without any notice to the Customer if Bank believes that the Customer has caused Cashback Misuse or entered into fraudulent transactions including but not limited to transactions that do not involve any actual sale or transfer of goods or services from merchant/vendor to the Customer. If the Customer’s PayZapp PPI account is disabled under this Clause, the Customer will not be permitted to register or use PayZapp services by using the same mobile number or PAN or same Mobile Device.
• In case the Customer has already received Cashback, and if there is any refund from or on behalf of the Merchant on account of the underlying transaction having been declined, cancelled or terminated or partly or fully reversed or wrong goods dispatched or goods or services returned, or for any other reason, then the amount equivalent to Cashback shall be first payable to the Bank and the Bank shall be entitled to undertake any of the following steps at its discretion, without any notice to or permission from the Customer:
  • adjust and appropriate for itself (Bank) from the amount of refund, an amount equivalent to the Cashback amount already credited, and to credit to the PayZapp PPI account only the balance amount after such adjustment;
  • debit the Cashback balance in the PayZapp PPI; and
  • debit the PayZapp PPI balance and appropriate (as and when the same becomes available).
• In case the Bank decides to reverse any Cashback on account of a Cashback Misuse, then the amount equivalent to Cashback shall be first payable to the Bank and the Bank shall be entitled to undertake any of the following steps at its discretion, without any notice to or permission from the Customer:
  • debit the Cashback balance in the PayZapp PPI, if available;
  • if the Cashback balance is not available or insufficient, then debit the PayZapp PPI balance and appropriate (as and when the same becomes available); an
  • adjust and appropriate for itself (Bank) from the amount of refund, an amount equivalent to the Cashback amount already credited, and to credit to the PayZapp PPI account only the balance amount after such adjustment
• Bank reserves the right to suspend, cancel or withdraw the Cashback Offer at any time in its absolute sole discretion without any notice to the Customer.
• When for any PayZapp PPI, the Non-KYC Consequences or the Closure Consequences, become applicable, such PPIs shall also simultaneously automatically become the Cashback-Non-Eligible Accounts without any further act deed or writing.

Most Important Terms & Conditions

• To avail cashback, customer either needs to have a Valid PAN no updated in PayZapp or should be a HDFC Bank Customer. No cashback to be given if valid PAN is not updated.
• A customer can have maximum of 2 PayZapp registered mobile number (2 PayZapp account) linked to one PAN.
• For all customers with more than 2 PayZapp registered mobile number (more than 2 PayZapp accounts) linked to one PAN, incremental accounts will be downgraded to no KYC and customer will not be eligible to avail any cashback for transactions done through the account(s)
• A customer can have maximum 3 registered mobile number (PayZapp accounts) on one device id. For customers with more than 3 PayZapp registered mobile number (more than 3 accounts) on one device id incremental accounts will be downgraded to no KYC and customer will not be eligible to avail any cashback for transactions done through the account(s)
• A customer can receive cashback for maximum 5 transactions per device per day basis eligibility
• A Customer shall not receive cashback on more than 5 transactions per device per day.
• A customer cannot do more than 10 commerce transactions per device per day.
• A Customer can do up to 10 commerce transactions per device per day.
• A Customer cannot do more than 20 commerce transactions per device per month
• A Customer can do up to 20 commerce transactions per device per month.
• Customer will be eligible for cashback only on successful PayZapp transaction basis offer terms & condition.
• For all cancelled transactions, refund transactions, partial refund transaction Cashback if given to the customer shall be debited from the PayZapp Prepaid card. In case of insufficient balance PayZapp Prepaid Card will go in negative balance.
• For all PayZapp accounts not complying to any of the above terms & conditions bank reserves the right to block / downgrade the account to no KYC status as deemed fit. Thus, the customer will not be able to utilize the balance available in PayZapp Prepaid card.
• All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.
• Any query regarding the program will be entertained till 60 days from offer fulfilment date. Post such date; the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.
• Any TAT committed with respect to posting of CashBack for a promotional campaign is only indicative & may vary from the actual date of posting; the Bank shall not be liable for any such delay. However, the Bank shall review the customer's query & if eligible, shall ensure fulfilment is completed at the earliest.
• In case of delay in posting or non-posting of CashBack if applicable for a promotional campaign beyond the committed TAT, customer is requested to contact the Bank; the Bank shall review the same and have the Reward points/ CashBack posted if the customer is eligible as per offer T&C