Family Banking Campaign Heart To Cart- ivy Program

Merchant Name: Family Banking offer for AU ivy Program customers

Description: Open an AU ivy Savings or salary account and unlock offers worth INR 15,000 and above on debit card. Add the new member to your Group and get a gift voucher worth INR 250 to choose from Amazon, BookMyShow and Ola. 

Offer title: Family Banking offer for Savings and Salary account customers

Open an AU ivy Savings or salary account for your family member and add him/her to your program group within offer period.

Unlock exciting offers of more than INR 15,000 on your debit card and your family member’s debit card:

Add family member to your group and you get a Gift voucher worth INR 250 and 15% off on Ritu Kumar.

Offer Period: 22nd September 2025 – 23rd October 2025

How to avail:

Coupon code for ITC Hotels, Kalyan Jewellers, Titan Watches, Tattva Spa and Ritu Kumar will be shared over email / SMS to qualifiers.

For Gift voucher, Qualifiers will receive qualification emailer with link to avail the voucher.

Terms and conditions:

• This Offer from AU Small Finance Bank is open to select customers under AU ivy program, who have received Offer communication from the Bank.
• In case of joint account only primary account holder will get the vouchers.
• Offer shall be valid from (22nd September 2025 – 23rd October 2025) (both days inclusive)(“Term”) unless extended by Bank. Offer is made available at the sole discretion of Bank.
• The service is non-transferable, non-refundable, and non-exchangeable, and cannot be combined with other offers.
• Offer is valid only for opening an account of a New to Bank customer who does not hold any existing relationship with the bank. New account opened under existing customer id will not be eligible for the offer.
• The Gift voucher Offer is exclusively for Primary Group member of the group.
• Offer is valid only if new group member added in the group is not a part of another existing family group.
• Offer is not valid on merging two separate groups.
• Offer is valid only once per customer during the offer period. Customer cannot qualify for more than one gift voucher under this offer during campaign period.
• Staff accounts of AU Small Finance Bank are not eligible for the offer.
• Eligible customers will get their vouchers on or before 23rd November’25
• Eligible Customer will be intimated via registered Email or SMS on registered mobile number.
• In case of closure / downgrade/ removal of Customer ID added to the group during offer period, at the time of offer voucher fulfilment, qualification of campaign will be considered void, and no voucher code will be provided.
• For Group ID to qualify for gift voucher, the group should be maintaining minimum AMB of INR 25 Lakhs or Total Relationship Value of INR 2 crores (combined balance / TRV across all group members) as on 31st Oct 2025.
• For Salary account Group to qualify for gift voucher, the Group ID should receive required net salary credit in salary account or group should maintain minimum AMB of INR 25 Lakhs or Total Relationship Value of INR 2 crores (combined balance / TRV across all group members) as on 31st Oct 2025.
• Program consent is mandatory for grouping the new group member.
• Salary account can be opened only if employer is listed with AU Small Finance Bank for Corporate Salary relationship and required net salary criteria is met.
• For account benefits and charges, refer schedule of charges on website for more details.
• Offer cannot be combined with any other offer/campaign running during this period.
• Total Relationship Value (TRV) includes Savings Account AQB, Fixed Deposit (>= 6 months) and Mutual Fund AUM with AU Small Finance Bank.
• Decision of AU Small Finance Bank about eligibility of Card members shall be final and binding.
• AU Small Finance Bank does not endorse any of the products or brands being offered under this Offer and will not accept any liability pertaining to the quality, delivery or after sales service of such products which shall be at the sole liability to manufacturer/distributor.
• Pictures of products shown in the communication sent to the Customer either through mailers or advertised on our website, are representative only and may not bear a resemblance to the actual products. AU Small Finance Bank under no circumstances shall be responsible towards the same.
• AU Small Finance Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services availed of by the Customer under the Offer.
• AU Small Finance Bank will not entertain any correspondence or communication regarding the validity and acceptability of the Offer.
  • Customers are not bound in any way to participate in the Offer. Any such participation is voluntary and the same is being made purely on a “best effort basis”.
  • In case a customer cancels any transaction/s, due to which he/she had qualified for the Offer, then the Customer shall not be eligible.
  • AU Small Finance Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of the use or otherwise of any goods/ services availed of by the Cardholder/s under the Program.
  • AU Small Finance Bank reserves the right to disqualify/ exclude any merchant establishment or Account holder from the Program, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Program or otherwise by use of the account.
  • No queries shall be entertained after 60 days from the closure date of the Offer Period. The existence of a dispute, if any regarding voucher shall in no event constitute a claim against AU Small Finance Bank.
  • In all matters relating to the offer, the decision of AU Small Finance Bank shall be final and binding in all respects.
  • The Offer is not available, wherever prohibited and / or on merchandise / products / services for which such programs cannot be offered for any reason whatsoever.
  • These Terms and Conditions shall be in addition to and not in substitution / derogation to the terms and conditions governing the Facility / Primary Terms and Conditions and General Terms and Conditions as uploaded on the website of AU Small Finance Bank. All capitalized terms used but not defined herein shall have the respective meanings ascribed to it in the terms and conditions applicable to the Facility / Primary Terms and Conditions and General Terms and Conditions as uploaded on the website of AU Small Finance Bank.
  • Program without assigning any reasons or without any prior intimation, whatsoever. AU Small Finance Bank also reserves the right to discontinue the Offer without assigning any reasons or without any prior intimation, whatsoever. Any grant of reward under this Offer shall be at the sole discretion of AU Small Finance Bank. These terms and conditions do not create any legal right to demand voucher from AU Small Finance Bank.
  • Any and all taxes, including without any limitation income tax (if any) applicable on this Offer and the rewards / benefits thereto shall be borne by the Customers & shall deposit the applicable amount of taxes (if any) to applicable governmental authorities before user could avail any benefits, unless otherwise mandated under the applicable laws.
• The Parties (AU Small Finance Bank & the Customer) hereto unconditionally agree and accept that, any matters, questions, differences and/or dispute, controversy, or claim arising out of or relating to these terms and conditions, or the breach thereof shall be resolved through Arbitration Proceedings under the Arbitration and Conciliation Act, 1996 (as amended from time to time). Both the Parties also irrevocably agree that seat of all/any arbitration proceedings shall be at Jaipur and the parties have accepted the online mode for conduct of arbitration proceedings. The Parties further agree that the arbitration proceedings shall be conducted online under the aegis of any of the arbitral/ selected ODR (Online Dispute Resolution) institutions mentioned in the Schedule A to the present terms and conditions. In case the Customer chooses physical arbitration proceedings in place of ODR then they shall opt for the same by sending a relevant written communication in this regard to the selected ODR institute within 7 days of initiation of online arbitration proceeding, at the decided venue/ seat of arbitration i.e., Jaipur.
• The list of arbitral/ODR Institutes has been chosen by the Parties after evaluating the concept, bye laws, process and methodology adopted by them and the parties unequivocally agrees to follows the same. The award given by the competent arbitrator(s) by the selected Arbitral/ ODR institution under the aegis of such ODR institution(s) shall be final and binding on all Parties to the terms and conditions. The Offer is not available, wherever prohibited and / or on merchandise / products / services for which such programs cannot be offered for any reason whatsoever.

• Schedule A