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Cashback will be available on CRED app to claim within 7 days of transaction | Other T&C may apply

1) Offer valid for users who have not used Paytm for any payment in the last 60 days anywhere. 2) To qualify, users must complete a payment of ₹49 or more on the merchant app using Paytm UPI during the offer period. 3) Eligible users will receive a scratch card in the Paytm app. 4) The scratch cards issued to the Participant from this offer will expire after 2 days of its issuance. 5) Upon scratching the scratch cards, the cashback will be credited within a maximum of 24 hours. 6) This offer is valid once per user during the campaign validity. 7) Assured cashback up to ₹200 if no Paytm payment has been made in the last 60 days; otherwise, receive a Flat 5% discount coupon (Max up to ₹500) applicable on subsequent gold purchases within the Paytm app. 8) Kindly contact Paytm customer support in case of issues related to the offer. 9) Other standard terms & conditions apply

a) The offer can be availed only once during the offer period (1st August to 30th September 2026). b) Cashback under this campaign will be provided only to eligible users as determined by NPCI BHIM Services Limited (NBSL). c) Users who have availed any cashback benefit through the BHIM App during the offer month may be excluded from this campaign at NBSL's sole discretion. d) Participation in the offer is entirely voluntary. By participating, users agree to these terms and conditions. e) NPCI BHIM Services Limited (NBSL) reserves the right to modify, amend, add, delete, or discontinue the offer or these terms and conditions at any time without prior notice or assigning any reason. f) In all matters relating to the offer, including determination of eligibility and cashback entitlement, the decision of NBSL shall be final and binding. g) In case of any fraudulent or suspicious transaction, NBSL reserves the right to disqualify the user from the offer. h) NBSL will attempt to credit the cashback amount twice to the winner's bank account linked with the BHIM App. If both attempts fail, the cashback will stand forfeited. i) Cashback will be credited to the user's linked CASA (Current/Savings Account) associated with the VPA used for the transaction. j) Any disputes arising out of this offer shall be subject to the exclusive jurisdiction of the competent courts in Mumbai. k) For any queries or grievances, please contact bhim.support@npci.org.in.

1.5% back on Tata Neu HDFC Bank Infinity Credit Card & 1% back on Tata Neu HDFC Bank Plus Credit cards as NeuCoins on all EMI and non-EMI spends 1 NeuCoin = ₹1, redeemable on Tata Brands NeuCoins earned on cancelled, reversed, or refunded transactions will be reversed. NeuCoins issued on the card will be governed by the Fair Usage Policy updated on the bank's website, www.hdfcbank.com. To manage your NeuCoins, download the Tata NeuApp through the below link: https://neu.in/zh9XM49DNSb NeuCoins, accrued for insurance, utility & Telecom & Cable transactions will have a maximum capping of 2,000 per month (respectively) NeuCoins will not be accrued (exclusion categories) for the following spends/transactions on the Neucard: a. Fuel Spends | Wallet loads / Gift or Prepaid Card load/ Voucher purchase b. Cash Advances | Payment of Outstanding Balances c. Payment of card fees and other charges | Smart EMI / Dial an EMI transaction d. NeuCoins will not be accrued for Rental and Government related transactions e. NeuCoins will not be accrued for Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others. However, education payments made directly through college/school websites or their POS machines will earn NeuCoins. HDFC Bank and Tata Digital reserve the right to amend or withdraw the offer at any time.