Kiwi - Get 10% Cashback on every Online Transactions Using Rupay Credit Card on Kiwi

any way to exploit ?

1. Offer: Get 10% off on online transactions of Rs. 500 and above
2. Validity:
   1. 7:30pm to 11:30pm on Weekdays (Monday to Friday)
   2. 3:30om to 11:30pm on Weekends (Saturday & Sunday)
3. Eligibility:
   1. Only users who opt to join the offer program via WhatsApp, Push Notification, Email, Reward Tile on Kiwi’s homepage for the offer or Kiwi’s Instagram Page will be eligible for the offer. Customer can opt for the offer through one of the following routes:
      1. Respond to our offer communication by clicking on the “Activate Now” option on WhatsApp
      2. Click on the designated reward tile for the offer on the homepage and click on the send button after getting redirected to WhatsApp
   2. If the user opts in before 6pm, the offer will be applied from the same day. For opt ins after 6pm, the offer will be applied from the next day
      1. Eg. User A opts in between 12am to 6pm on 22nd Mar’24. Offer is valid from 22nd Mar’24 to 7th Apr’24
      2. Eg. User B opts in between 6 pm to 12pm on 22nd Mar;24. Offer is valid from 23rd Mat’24 to 7th Apr’24
   3. Offer is applicable on minimum transaction value of ₹500 and above during the offer period
   4. Valid only on online transactions done using a Rupay Credit Card on the Kiwi platform.
   5. Reward will be won in the form of “Kiwis”, and 4 Kiwis equal ₹1.
   6. Users will get 20 Kiwis for every Rs. 50 spent on Online Transactions on every successful transaction of Rs. 500 and above
   7. Cashback capped at 400 Kiwis (Rs.100) per transaction for the offer.
   8. Total number of cashbacks capped at 10 per user during the offer period
4. User spends in the below merchant categories will be excluded from the offer calculation:
   1. Repayments
   2. Fuel & Service stations
   3. Jewellery
   4. Cash Withdrawal
   5. Wallet Load
   6. Insurance
   7. Education
   8. Government Services
   9. Rent
   10. Utilities
   11. EMI
   12. Purchases converted to EMI Post-Facto
   13. Payment of Card Fees & Other Charges
5. For category classification, Kiwi will rely on the merchant category code received by Kiwi during the transaction.
6. Customer eligibility for the offer is at the sole discretion of Kiwi, and Kiwi reserves the right to disqualify any Customer, who does not meet the offer requirements or for reasons including, but not limited to, misuse or fraud or suspicious transaction/activity, any legal requirement or applicable rules and regulations.
7. In case of a dispute, the final decision lies with the Kiwi.
8. Nothing contained herein shall be construed as a binding obligation on Kiwi to continue the offer.
9. Participation in any offer is completely voluntary. Users may choose to not participate in any offer. Kiwi does not guarantee any prize to any winner.
10. Kiwi is not responsible for any tax implications on the User from their participation in any offer. Users should obtain independent tax advice before entering any offer.
11. The Customer shall not hold the Company responsible for any actions, claims, demands, liabilities, losses, damages, costs, charges or expenses, which a Customer incurs, in the normal course of availing the “Kiwis” Rewards.
12. We also reserve the right to discontinue the Kiwi Rewards without assigning any reasons or without any prior intimation whatsoever. Nothing contained herein shall amount to a commitment or representation by us to continue the “Kiwis” Rewards.

Online transaction means using kiwi upi id for payment?