Phonepe - 100% cashback on first ever and fifth UPI money transfers

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Terms & Conditions:
When a user makes a money transfer using UPI for the first time, the user gets 100% cashback (up to ₹75), and for the user’s fifth ever money transfer using UPI, the user gets 100% cashback (up to ₹50).
Offer is valid only on money transfers using the PhonePe app, where money is transferred via UPI to a PhonePe user, or a UPI ID, or a bank account (using its account number & IFSC code), or money is transferred between the user’s own linked bank accounts.
The offer is valid for the first ever ‘send money’ transaction and fifth ever ‘send money’ transaction using UPI
This offer will be valid once per user and once per Smartphone and once per bank account.
The Cashbacks will be credited to the PhonePe Wallet within 24 hrs.
This offer starts on 24th January (11:00 Hours)
If the offer overlaps with any other existing offers, the maximum of the offers is applicable.
PhonePe has the right to amend the terms & conditions, end the offer, or call back any or all of its offers without prior notice.
Cashback can be used for recharges, bill payments, merchant transactions across PhonePe.
Cashback credited to a user cannot be withdrawn to any linked bank account or transferred to other users.
In case of dispute, PhonePe reserves the right of final decision on the interpretation of these Terms & Conditions.