Shagun Wala Card Campaign

1. Campaign Overview

The "Shagun Wala Card" Campaign ("Campaign") is launched by "ZAGG Money" with the objective of encouraging customers to apply for and obtain a co-branded credit card issued in partnership with AU Small Finance Bank, Punjab National Bank, or Yes Bank (each, a "Co-branded Credit Card"). Eligible customers who successfully obtain any one of the Co-branded Credit Cards during the Campaign Period shall be eligible to receive an Amazon voucher worth ₹501 (Rupees Five Hundred and One only) ("Reward"), subject to the terms and conditions of the Campaign.

Campaign period: 16th October 2026 to 31st October 2026.

• A successful card application or authorised payment does not, by itself, guarantee eligibility for or entitlement to the Reward. The Reward shall be subject to verification and validation by Zagg.money and may be withheld, cancelled, or recovered where the applicable eligibility or transaction conditions are not satisfied or where otherwise permitted under these Terms and applicable law.
• Participation in the Campaign and receipt of the Reward shall be subject to these Terms, the applicable terms governing the Customer's Zagg.money account, applicable Zagg.money policies, and all applicable laws, regulations and payment-network requirements.
• For the avoidance of doubt, Zagg.money does not guarantee that every eligible Customer will receive the Reward, even where the Campaign is displayed or communicated to the Customer, unless all applicable conditions for earning the Reward have been satisfied.

2. Eligible Criteria

The Customer maintains an active and valid account with Zagg.money and complies with these Terms, the applicable terms and conditions governing the Customer's account, and all applicable policies, rules and requirements of Zagg.money.

To qualify, the Customer must meet the criteria under either of the following routes:

• Route A – New Applicants: Customers who apply for, or are approved for and card is issued, for our Co-branded Credit Card during the Campaign Period.
• Route B – In-flight Applicants: Customers who applied before 16 October 2026, but whose application is approved and card is issued during the Campaign Period.

• Only the Customers applying organically or through any of our performance marketing campaigns will be eligible for this offer. Customers applying through any of the Direct Sales Agents (DSAs) and Direct Sales Teams (DSTs) channels or any other route are not eligible for this Campaign.
• The Customer must successfully activate the issued card on or before 05th November 2026.
• The Customer's account and qualifying actions must not involve any fraud, abuse, misuse, manipulation, suspicious activity, chargeback, reversal, cancellation or other activity which, in the reasonable determination of Zagg.money, may affect the Customer's eligibility for or entitlement to the Reward.

3. No Automatic Entitlement

Receiving marketing communications, viewing the Campaign in the Zagg.money App, or being flagged as provisionally eligible does not guarantee or entitle a Customer to the Reward. The Reward will only be issued once Zagg.money confirms that all eligibility criteria and qualifying conditions have been fully met—including the successful issuance and activation of the Co-branded Credit Card within the required timelines.

4. Eligibility and Exclusion Rights

Zagg.money reserves the right, at its sole discretion and subject to applicable law, to:

• determine, modify, suspend or withdraw eligibility for the Campaign;
• exclude or restrict any Customer, account, merchant, transaction, transaction type, or payment method from the Campaign;
• refuse, withhold, or cancel any Reward where Zagg.money reasonably determines that the applicable eligibility or qualifying conditions have not been satisfied, or that the Reward has been obtained or claimed through fraud, abuse, misuse, manipulation, error or in violation of these Terms;
• correct any Reward issued due to technical, system, operational or other errors; and
• amend, suspend or discontinue the Campaign, in whole or in part, at any time, subject to applicable law.

Zagg.money's determination regarding eligibility, qualifying actions and the applicability of the Campaign shall be final and binding, except to the extent otherwise required under applicable law.

Nothing in these Terms shall require Zagg.money to provide the Reward where the Customer or action does not satisfy the applicable eligibility criteria or where providing such Reward would be contrary to applicable law, regulatory requirements, or Zagg.money's applicable policies.

5. Campaign Reward and Limits

Eligible Customers shall be eligible to earn Rs. 501 Amazon voucher, subject to these Terms and the applicable eligibility and validation criteria determined by Zagg.money. To clarify, Customers may apply for multiple Co-branded Credit Cards during the campaign period and shall remain eligible to receive a voucher for each such Co-branded Credit Card, subject to defined terms and conditions.

• The maximum Reward payable in respect of this Campaign is strictly limited to one (1) voucher per User (identified per PAN and/or mobile number), even if the Customer successfully applies for and is issued multiple co-branded cards from one or more Partner Banks.
• A successful completion of the qualifying activation does not, by itself, entitle the Customer to the Reward. The Reward shall be subject to verification and validation by Zagg.money, including verification of the Customer's eligibility, card issuance status, and compliance with these Terms.
• The Reward shall not be transferable, exchangeable for cash, or otherwise redeemable except as expressly provided by Zagg.money. The Reward shall also not be treated as a guaranteed benefit or entitlement where the applicable eligibility, activation or validation criteria have not been satisfied.

Zagg.money reserves the right, subject to applicable law, to modify, suspend, withdraw or discontinue the Campaign, including the Reward amount or qualifying criteria, at any time.

The Customer's entitlement to the Reward shall be subject to fulfilment of all applicable eligibility criteria and qualifying conditions set out in these Terms and Conditions, including successful card issuance, activation and linking of the Co-branded Credit Card within the prescribed timelines, as applicable.

• Card Activation done till 05th November 2026 will be considered for the eligibility.
• Ensure the Eligible Card is successfully issued by the Partner Bank within the Campaign Period (on or before 31st October 2026).
• Activate your card on or before 05th November 2026 by Setting Pin, enabling POS, ecom, contactless or any transaction type and/or doing any transaction through the issued card.

6. Reward Fulfilment and Redemption

• The Reward (₹501 Amazon voucher) successfully earned and validated under the Campaign shall be issued to the Customer within 30 days from the date the Customer fulfills all qualifying conditions (i.e., the date of successful validation of card issuance and activation).
• The voucher code will be hosted within the Zagg.money App and shall also be sent via SMS to the Customer's registered mobile number.
• Any Reward reflected as pending, provisional or otherwise subject to validation shall not constitute an unconditional entitlement and may be adjusted, withheld, or cancelled in accordance with these Terms.
• The Reward may be withheld, suspended, or cancelled where the underlying card issuance is revoked, cancelled, disputed, fraudulent, abusive, artificial or otherwise in breach of these Terms.
• The Reward shall have no cash value and shall not be transferable, assignable or otherwise capable of being transferred to another Customer or account.

7. Campaign Abuse, Fraud and Circumvention

Customers shall not directly or indirectly attempt to manipulate, exploit, abuse, circumvent or otherwise misuse the Campaign, its rules, eligibility criteria or redemption process. Without limitation, the following activities may constitute misuse, abuse or circumvention:

• using multiple Zagg.money accounts, mobile numbers, identities, or devices to circumvent Campaign limits (e.g., the one-voucher-per-PAN rule);
• exploiting any technical error, system malfunction, vulnerability, loophole or unintended functionality in the App to obtain the Reward;
• undertaking any other activity that Zagg.money reasonably determines to be fraudulent, deceptive, abusive, manipulative, artificial, commercially irrational, intended to circumvent these Terms, or inconsistent with the intended purpose or spirit of the Campaign.

Where Zagg.money reasonably suspects or determines that a Customer has engaged in any prohibited activity, Zagg.money may, subject to applicable law:

• withhold or suspend the pending Reward;
• reject or disqualify affected actions;
• cancel the voucher issued;
• restrict or suspend the Customer's participation in the Campaign; and/or
• take any other action reasonably necessary to protect the integrity of the Campaign or comply with applicable law, regulatory requirements or payment-network rules.

8. Withholding or Reversal of Reward

Zagg.money reserves the right, subject to applicable law and without prejudice to any other rights or remedies available to it, to withhold, suspend, cancel, or recover the Reward where:

• the underlying card issuance or activation is found to be ineligible or does not satisfy any applicable eligibility, validation or Campaign requirement;
• the Customer has breached or violated these Terms, any applicable Zagg.money policy, or any applicable law, regulatory requirement or payment-network rule;
• the Reward has been credited or made available due to any technical, system, processing, reconciliation, operational or other error;
• Zagg.money otherwise determines, based on the information and records reasonably available to it, that the Customer or action does not qualify for the Reward.

9. No Double Benefits

• Unless expressly stated otherwise by Zagg.money, the Reward under the Campaign shall not be cumulative or combinable with any other promotional benefit or incentive offered by Zagg.money or any third party in respect of the same card issuance or activation.
• The Customer shall not be entitled to claim or receive duplicate benefits arising from the same application or activation due to any technical, system, processing or other error. Any duplicate or incorrectly credited benefit may be cancelled or recovered by Zagg.money in accordance with these Terms and applicable law.

10. Technical and Network Issues

Zagg.money shall not be responsible or liable for any delay, interruption, failure, non-processing, non-issuance of the card, or non-delivery of the Reward arising from circumstances beyond its reasonable control, including:

• Partner Bank delays, credit rejections, or policy changes regarding card issuance or activation;
• network, internet or connectivity issues;
• bank, payment-system or payment-network failures or delays;
• failures or delays of third-party service providers (including Amazon for voucher fulfillment);
• system outages, downtime, maintenance, upgrades or scheduled or emergency interruptions;
• technical, processing or reconciliation errors; or
• any other technical, operational, regulatory or external circumstance beyond Zagg.money's reasonable control.

The successful initiation of a card application or completion of an activation step shall not, by itself, guarantee eligibility for or delivery of the Reward.

11. Feature Modification, Suspension or Termination

Zagg.money reserves the right, subject to applicable law and regulatory requirements, to modify, suspend, restrict, withdraw, extend, replace or terminate the Campaign, in whole or in part, at any time. Such changes may include, without limitation, changes to:

• the Reward amount or partner (Amazon);
• Customer eligibility criteria;
• Partner Banks included in the Campaign;
• qualifying activation limits or timelines;
• the duration or availability of the Campaign.

Zagg.money may also immediately suspend, restrict or terminate the Campaign, in whole or in part, where reasonably necessary due to fraud, abuse, misuse, security concerns, technical issues, changes in applicable law or regulatory requirements, payment-network requirements, or other circumstances affecting the integrity or operation of the Campaign.

12. Final Determination

Subject to applicable law and the applicable grievance redressal mechanism, Zagg.money's transaction and system records shall be used as the primary basis for determining:

• Customer eligibility;
• Eligible Card issuances and Timestamps;
• Eligible Card Activations;
• Reward status;
• compliance with Campaign limits and conditions.

Zagg.money may consider its system records, Partner Bank records, payment-network records, and other relevant records reasonably available to it in making such determinations.

Zagg.money reserves the right to make the final determination regarding eligibility, qualification and Reward entitlement based on the applicable Campaign rules and information reasonably available to it, subject to applicable law.

13. Data Protection and Consent

• By accepting these Terms and participating in the Campaign, the Customer provides consent to Zagg.money to collect, use and process the Customer's personal data, including account, card application status, activation status, and relevant device information, and to share necessary data with Partner Banks for the purposes of determining eligibility, validating activations, and fulfilling the Reward, and detecting and preventing fraud, misuse or circumvention of the Campaign.
• Such processing shall be carried out in accordance with these Terms, Zagg.money's Privacy Policy and applicable data protection laws, including the Digital Personal Data Protection Act, 2023 and rules made thereunder, as applicable.
• The Customer may withdraw such consent in accordance with applicable law; however, withdrawal of consent may result in the Customer being unable to participate in or receive benefits under the Campaign where such processing is necessary for its administration.

14. Support

For any queries, requests or concerns relating to the Campaign, Customers may contact Zagg.money customer support through the support channels made available within the App.

Email: support@zagg.money

Customers should provide relevant application or activation details and such other information as may reasonably be required by Zagg.money to investigate and resolve the query.

All complaints and grievances shall be handled in accordance with Zagg.money's applicable grievance redressal process and applicable law.