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Please find below the eligibility criteria and construct of the campaigns

Offer:
Offer & Winner Announcement Offer Duration User wins
Higher spender 12th - 15th April 1 Samsung watch each
Higher spender 16th - 19th April 1 Samsung watch each
Higher spender 20th - 25th April 1 Samsung watch each
Higher spender 26th - 30th April 1 Samsung watch each
Eligibility:
  • Only P2M and unique merchant transactions made during the offer period will qualify for the competition. For e.g. if multiple transactions done to same merchant, then only one transaction of the highest value will be considered.
  • Ensure you are following our official BHIM handle on Facebook and Instagram.
  • The highest number of transactions done to be different and unique merchants will be summed up and the highest volume and value will be considered to qualify a winner.
  • If any transactions observed as fraudulent/suspicious or transferred within self/family such transactions will not be considered in calculation of Top Spender.
  • Volume of transactions should be at least 5X the average number of transactions for the day and minimum value of each transaction should be ₹50.
  • Qualifying Age for winner is 18-25 yrs. Winners has to produce the ID cards for verifying the age here.
Other Terms:
  • NPCI may, at any time, change, amend, add, or delete the terms and conditions associated with the campaign and communicate the changes from time to time.
  • NPCI also reserves the right to discontinue the campaign without assigning any reasons or without any prior intimation whatsoever.
  • In case of any fraudulent/ suspicious transaction, NPCI reserves the right to remove the user from the list of eligible customers.
  • NPCI will contact the top spender eligible for receiving the reward within 5 days from the end date of the offer.
  • The winner will be contacted twice and if s/he does not respond or denies, the second eligible winner will be contacted.
  • Winners will have to collect the prize physically respective to the weekly winners at NPCI office located in- Mumbai (Goregaon), Hyderabad, Chennai and Delhi only. No logistics would be borne for winners outside the mentioned cities.
  • Prize will not be couriered and cannot be transferred to someone else. Hence must be physically collected only.
  • By participating, you agree to share your name, mobile number, picture, testimonial. The testimonial can be used later by BHIM on it’s digital spaces
  • Image of prize shown is for representation purpose only.

Guaranteed 1% instant cashback on Fuel payments (Petrol, Diesel & CNG), and now also get on Electricity, Water and Gas bill payments

Offer:
  • All BHIM app users receive “1% instant cashback” on all fuel payments (Petrol, Diesel & CNG), and also on Electricity, Water and Gas bill payments. The Merchant Category Code (MCC) mentioned below.
  • Offer Period for fuel cashback: 15:30 hrs 15th January 2024 to 23:59 hrs 31st March 2024
  • Offer period for Electricity, Water and Gas bill payments 03:00hrs 23rd Jan to 23:59 hrs 31st March 2024
Eligibility:
  • All BHIM app users transacting via BHIM app of version 3.7.1 and above
  • Cashback will be calculated on successful transactions of minimum value ₹100 & above and will be credited instantly to the user’s primary account. In case of any failure or delay, the same will be credited within 30 working days.
Other Terms:
  • Cashback Period- 15:30 hrs 15th January 2024 to 23:59 hrs 31st March 2024. The transactions done only on the below Merchant Category Code (MCC) will be eligible for cashback.
  • Cashback will be credited to your primary bank account linked to the BHIM App, except if RuPay Credit Card is added as only account in BHIM App.
  • BHIM solely reserves the right to change offer terms at any time without prior notice to the customer.
  • In cases of fraudulent/suspicious transaction, BHIM solely reserves the right to revoke the cashback amount and the eligibility of customers in the offer.
  • Below are the eligible Merchant Code Categories.
    Category MCC Description
    Fuel 5541 Service station
    5172 Petroleum and petroleum products
    5983 Fuel Dealers
    Utility 4900 Electricity, Water and Gas utilities
Offer:
  • All BHIM app users receive ₹30 cashback on all spends of Travel category merchants (above a minimum transaction size of ₹100)
  • Each user may earn a maximum cashback of ₹150 during the offer duration.
  • Offer Period: 15:30 hrs 15th January 2024 to 23:59 hrs 5th March 2024.
Eligibility:
  • All BHIM app users transacting via BHIM app of version 3.7 and above.
  • Cashback will be calculated on successful transactions of minimum value ₹100 & above and will be credited instantly to the user’s primary account. In case of any failure or delay, the same will be credited within 30 working days.
Other Terms:
  • Cashback Period- 15:30 hrs 15th January 2024 to 23:59 hrs 5th March 2024. The transactions done only on the below Merchant Category Code (MCC) will be eligible for cashback.
  • Cashback will be credited in your primary bank account linked to the BHIM app
  • BHIM solely reserves the right to change offer terms at any time without prior notice to the customer.
  • In cases of fraudulent/suspicious transaction, BHIM solely reserves the right to revoke the cashback amount and the eligibility of customers in the offer.
  • Below are the eligible Merchant Code Categories.
    Category MCC Description
    Travel/Transit 4011 Railroads
    4111 Local and suburban commuter passenger transportation, including ferries
    4112 Passenger railways
    4121 Taxi-cabs and limousines
    4131 Bus lines
Offer:
  • One-time cashback: Users receive ₹100 cashback each on their first 3 transactions (above a minimum spend of ₹100)
  • Recurring cashback: In the first month (After the first 3 transactions), users receive ₹30 (above a minimum spend of ₹200) cashback each on their subsequent 5 transactions.
  • Recurring cashback: From the second month onwards till the offer period, users receive ₹30 (above a minimum spend of ₹200) cashback for each transaction. Cashback is restricted to 5 transactions in a month.
Eligibility:
  • All BHIM app users transacting via BHIM app of version 3.7 and above.
  • Cashback will be calculated on successful transactions and will be credited instantly to the user’s primary account. In case of any failure or delay, the same will be credited within 3 working days.
  • Campaign is only eligible for Rupay Credit Card linked to BHIM UPI APP.
Other Terms:
  • Cashback Period- 15:30 hrs 15th January 2024 to 23:59 hrs 28th February 2024.
  • All successful transactions are done via valid linked RuPay Credit Card through BHIM app.
  • Minimum transaction value of ₹100 for the first three transactions during the offer period and ₹200 from the fourth transaction.
  • A maximum cashback of ₹750 can be availed during the offer period.
  • BHIM solely reserves the right to change offer terms at any time without prior notice to the customer.
  • In cases of fraudulent/suspicious transaction, BHIM solely reserves the right to revoke the cashback amount and the eligibility of customers in the offer.
  • The cashback is eligible for all merchant transaction done via BHIM app using RuPay Credit Card on UPI.
How does the cashback program work?

There are 3 offering for cashback.

  • Urja (Fuel payments) – 1% Cashback on Fuel Payments (Petrol, Diesel and CNG), and now also get on Electricity, Water and Gas bill payments
  • Travel – ₹30 on each transaction
  • UPI Transaction with RuPay Credit Card - Customers will get a total of ₹750 within the offer period.

For more information, please visit T&C

I have a RuPay Credit card, but I have not linked it to BHIM app, can I still avail the offer?

No, in order to avail the benefits under this offer, RuPay Credit Cardholders would be required to get their RuPay Credit cards linked to BHIM app and on transacting via BHIM app.

Is there a limit to the cashback I can earn?

Maximum cashback can be earned as follows

  • On Fuel payments– Customers will get ₹150 within the offer period.
  • Travel – Customers will get ₹150 within the offer period.
  • UPI Transaction with RuPay Credit Card - Customers will get ₹750 within the offer period.
How soon are cashback rewards credited to my account?

Cashback amount will be instantly credited to your Primary Bank account linked to BHIM app except credit cards. In case of any failure or delay, the same will be credited within 30 working days.

It has been more than 30 days I have done a transaction, but I am yet to receive the cashback.

We aim to process all cashback instantly to the customer’s account (Primary Bank account linked to BHIM app) in case of any technical failure. The maximum timeline to process the cashback is within 30 days. If you have not received the cashback, it could be due to the below reasons.

  • Exceeded the maximum cashback limit.
  • Transaction is not eligible because it is below the minimum transaction size.
  • Transaction is not done in the defined Merchant Category Code as mentioned below.
  • The app is not updated; Cashback is eligible for BHIM app of version 3.7 and above.

For more information, please visit the Terms and Conditions or

Contact BHIM Call Centre- 18001201740 or Email - bhim.support@npci.org.in

Are there any restrictions on where I can earn cashback?

Cashback eligibility may vary depending on the merchant or type of transaction. Review the program details to understand any restrictions or exclusions that may apply.

Merchant Category Code (MCC) / Type of Transaction

Category MCC Description
Fuel 5541 Service station
5172 Petroleum and petroleum products
5983 Fuel Dealers
Utility 4900 Electricity, Water and Gas utilities
Travel 4011 Railroads
4111 Local and suburban commuter passenger transportation, including ferries
4112 Passenger railways
4121 Taxi-cabs and limousines
4131 Bus lines
I got less cashback than expected

Customers can earn cashback under various categories such as payments for fuel, travel and making UPI payment through RuPay CC using the BHIM app. There is an upper limit for each category. For more information, you can visit T&C.

What is the offer duration?

From 15:30 hrs 15th January 2024 to 23:59 hrs 31st March 2024