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UPI Shagun Cashback

Terms & Conditions

1. Campaign Overview

The "₹51 Shagun Cashback" Campaign ("Campaign") is launched by "ZAGG Money" with the objective of encouraging customers to add a credit card to UPI on the Zagg.money App for the first time and use it for UPI merchant payments. Eligible customers who add a credit card to Zagg.money UPI for the first time and complete five (5) qualifying UPI merchant transactions during the Campaign Period shall be eligible to receive a cashback of ₹51 (Rupees Fifty-One only) ("Reward"), subject to the terms and conditions of the Campaign.

Campaign period: 7th November 2026 (00:00:00 IST) to 8th November 2026 (23:59:59 IST).

  • A successful card linking 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, the terms of the card-issuing bank, and all applicable laws, regulations, NPCI guidelines 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

  1. 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.
  2. The Customer is a Shagun campaign user who has been communicated this Campaign by Zagg.money through the App, push notification, SMS, email or any other official channel.
  3. The Customer must be a first-time credit card on UPI user, i.e.:
    1. The Customer must be adding a credit card to UPI on the Zagg.money App for the first time during the Campaign Period; and
    2. The Customer must never have added any credit card to UPI on the Zagg.money App before 7th November 2026. Customers who have previously added a credit card are not eligible, even if that card has since been de-linked or a different card is added during the Campaign Period.
  4. The Customer must complete all qualifying actions set out in Clause 6 within the Campaign Period; and
  5. The Customer's account and qualifying actions must not involve any fraud, abuse, misuse, manipulation, suspicious activity, chargeback, reversal, refund, 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 shown progress towards the transaction count does not guarantee or entitle a Customer to the Reward. The Reward will only be credited once Zagg.money confirms that all eligibility criteria and qualifying conditions have been fully met, including first-time credit card linking and completion of five (5) qualifying UPI merchant transactions within the Campaign Period.

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, card, merchant, merchant category, 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 credited 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 a cashback of ₹51, subject to these Terms and the applicable eligibility and validation criteria determined by Zagg.money.
  • The maximum Reward payable in respect of this Campaign is strictly limited to one (1) cashback of ₹51 per User (identified per PAN and/or mobile number and/or device), irrespective of the number of credit cards linked or the number of transactions made beyond five (5).
  • The Reward is a flat amount and is not linked to or calculated on the value of the qualifying transactions.
  • A successful completion of the qualifying actions 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 linking status, transaction 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 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.

6. Qualifying Actions

The Customer's entitlement to the Reward shall be subject to fulfilment of all applicable eligibility criteria and the following qualifying actions within the Campaign Period:

  • Add a credit card: Successfully add and link a credit card to UPI on the Zagg.money App for the first time, between 7th November 2026 (00:00:00 IST) and 8th November 2026 (23:59:59 IST). As per NPCI guidelines, only RuPay credit cards (including Zagg.money Co-branded Credit Cards issued by AU Small Finance Bank, Punjab National Bank or Yes Bank) can currently be linked to UPI. Cards linked after 8th November 2026 (23:59:59 IST) shall not qualify.
  • Complete 5 UPI merchant transactions: Complete a minimum of five (5) successful UPI merchant (P2M) payments through the Zagg.money App using the credit card added during the Campaign Period.
  • Each transaction must be of a value of ₹50 (Rupees Fifty) or more. Transactions below ₹50 shall not count towards the five (5) qualifying transactions.
  • Only merchant (P2M) payments shall count. Person-to-person (P2P) transfers, self-transfers, transfers to own accounts and wallet loads shall not count.
  • Each transaction must be successful and completed within the Campaign Period, as recorded in Zagg.money's system, and must not be failed, pending, declined, reversed, refunded, cancelled or charged back.
  • Each transaction must be a genuine purchase of goods or services, and not split, repeated, circular, or made to a merchant connected with the Customer for the purpose of meeting the transaction count.
  • Transactions made through any other UPI app, or through a debit card, bank account or any other payment method, shall not be counted.

7. Reward Fulfilment and Redemption

  • The Reward (₹51 cashback) successfully earned and validated under the Campaign shall be credited to the Customer within 7 days from the end of the Campaign Period, i.e. on or before 15th November 2026.
  • The cashback will be credited within the Zagg.money App, and the Customer will be notified through the App and/or SMS or push notification to the registered mobile number.
  • The use, redemption and validity of the cashback shall be governed by the Zagg.money Rewards Policy and the terms displayed in the App.
  • 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 any qualifying transaction is reversed, refunded, cancelled, disputed, fraudulent, abusive, artificial or otherwise in breach of these Terms.
  • The Reward shall not be transferable, assignable or otherwise capable of being transferred to another Customer or account.

8. 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, PANs, cards or devices to circumvent Campaign limits (e.g., the one-cashback-per-PAN rule), or creating a new account to appear as a first-time credit card on UPI user;
  • splitting a single purchase into multiple transactions, or making repeated, circular or artificial payments to self, family members, or connected or colluding merchants solely to meet the transaction count;
  • making transactions that are subsequently refunded, reversed, cancelled or charged back;
  • 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 transactions;
  • reverse or debit the cashback credited;
  • 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.

9. 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:

  • any qualifying transaction is subsequently failed, reversed, refunded, cancelled, disputed or charged back, causing the count of valid transactions to fall below five (5);
  • the linked credit card is blocked, cancelled, de-linked or found ineligible;
  • 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.

10. 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 cashback offered by Zagg.money or any third party in respect of the same transactions.
  • This Campaign is independent of the Shagun Wala Card Campaign, and participation in one does not affect eligibility under the other.
  • The Customer shall not be entitled to claim or receive duplicate benefits arising from the same card linking or transactions 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.

11. Technical and Network Issues

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

  • card-issuing bank delays, declines, credit-limit issues or policy changes regarding card linking or transactions;
  • UPI, NPCI, bank, payment-system or payment-network failures or delays;
  • network, internet or connectivity issues;
  • failures or delays of third-party service providers;
  • 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.

Transactions initiated within the Campaign Period but not successfully completed and recorded within the Campaign Period shall not be counted. The successful linking of a card or initiation of a transaction shall not, by itself, guarantee eligibility for or crediting of the Reward.

12. 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;
  • Customer eligibility criteria;
  • eligible cards and card-issuing banks;
  • the number, value or type of qualifying transactions, 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.

13. 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, including first-time credit card on UPI status;
  • credit card linking and Timestamps;
  • qualifying transactions and Timestamps;
  • Reward status;
  • compliance with Campaign limits and conditions.

Zagg.money may consider its system records, card-issuing bank records, NPCI and 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.

14. 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 details, card linking status, UPI transaction details and relevant device information, and to share necessary data with card-issuing banks, payment service providers and NPCI for the purposes of determining eligibility, validating transactions, crediting 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.

15. 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 their registered mobile number, the linked card's last four digits, UPI transaction reference numbers 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.