Offer of up to 10% savings as NeuCoins for Tata Neu HDFC Bank Credit Card holders on select Apple products

• Offer Period: 10:00 PM on 16^th September 2025 to 11:59 PM on 26^th October 2025, as applicable. 
• Offer Details:
  
  a. Users who purchase Apple products listed in 2)(b) below during the Offer Period using the Tata Neu HDFC Bank Credit Card (“NeuCard”) shall receive benefits mentioned          below in the form of savings as NeuCoins:

*Exclusive of NeuCoin reward earned by customer under the NeuPass program

 
         b. The Offer listed in 2)(a) above is only valid on the selected Apple products listed below. The Offer may differ from one product to another.

*Note: Exclusive of NeuCoin reward earned by customer under the NeuPass program

The benefits in the form of NeuCoins as set out in 2)(a) above hereinafter referred to as the “Offer”.

• Offer Eligibility:

 Note: A customer shall be required to apply the Offer at the time of check-out, when using their NeuCard as the payment instrument for purchases made on the online sales                          channels.

 a. The Offer is available once per customer per card per eligible product category listed in Para 2)  (b) above, as applicable, during the Offer Period across all sales channels                        listed  in Para 3)(d) below.
 b. If a customer uses multiple payment methods for the transaction, then for this Offer to be applicable to such transaction the amount swiped on the NeuCard shall be                            minimum 60% (sixty per cent) of the MRP of the relevant Apple product being purchased.
 c. The Offer is available from 16^th September 2025 on online sales channels listed in Para 3)(c) below (i) for pre-bookings of iPhone 17 Pro Max, iPhone 17 Pro, iPhone Air,                        iPhone 17, Iwatch Series 11, Ultra 3, Watch S3 and Airpods pro 3 subject to availability of stock; and (ii) for other Apple products listed in Para 2)(b) above.
 d. The Offer is valid on purchases made on online sales channels i.e. (i) croma.com, (ii) Tata Neu app, (iii) www.tataneu.com; and offline sales channels i.e. (i) Croma stores                    (pan India); (ii) TRiBE, by Croma stores (pan India).
 e. This Offer cannot be clubbed with any other ongoing offer.
 f. This Offer shall only apply to full-swipe transactions made by customers using the NeuCard and shall not apply to EMI transactions.
 g. To qualify for the Offer, a customer must transact on the NeuCard using their own Tata Neu registered mobile number online (logged in) or offline (in-store). Transactions                      made using another person’s account or mobile number will be ineligible under this Offer.
 h.If the purchased product has been returned, or the transaction has been disputed or may be unauthorized/fraudulent, such transaction will not be considered for this Offer.

• Offer benefits:
  a. The Additional NeuCoin savings available to a customer under this Offer shall be credited to the Customer’s NeuPass (Tata Neu) account within 60 (sixty) days from the date      of the eligible purchase. These NeuCoins can be redeemed across Tata Neu partner brands (both online and in store).
  b. The number of NeuCoins which will be available to the customer under this Offer shall be calculated on the basis of the amount swiped on the NeuCard. If a customer uses          multiple payment methods for the transaction, only the amount paid using the NeuCard will be considered for calculating the NeuCoin earnings under this Offer.
  c. NeuCoins which a customer will be entitled to receive under (i) the standard NeuCoin savings on the NeuCard, shall be credited in accordance with the cardholder agreement      with HDFC Bank; and (ii) NeuPass (if applicable) shall be over and above the Additional NeuCoin savings under this Offer and shall be credited in accordance with the                NeuPass terms and conditions, available on Tata Neu.
   
• Other Terms and Conditions
  a. If a NeuCard is voluntarily closed, upgraded (to a card other than NeuCard), or otherwise becomes ineligible during the Offer Period, the customer will not qualify for                  receiving the Additional NeuCoin savings under the Offer.
  b. To avail the Offer, the customer’s card account with HDFC Bank (issuing bank) shall be active and non-delinquent.
  c. The Offer is available only for full-swipe transactions on NeuCard, and transactions related to cash withdrawals, loans (Dial-An-EMI, Cash-on-Call, Balance Transfer, Personal        Loan, etc.), EMI purchases, card fees, and disputed/fraudulent transactions are excluded from this Offer.
  d. Queries related to this Offer may be raised by a customer to Tata Digital (at customercare@tataneu.com) within 60 (sixty) days of the date on which the NeuCoins (available      as additional benefits under this Offer) are credited to the customer’s account. Notwithstanding the aforesaid, any claims by a customer relating to defects in products, or if        the product is not of the characteristics advertised or as agreed to, or are delivered late from the stated delivery schedule shall lie with Croma directly and Tata Digital shall        have no liability in respect thereof.
  d. This Offer is available only for NeuCard holders (i.e. individuals), and transactions made by corporates, dealers, distributors, businesses or for commercial purposes, are            disqualified.
  e. Transactions that are reversed due to cancellations or merchant errors will not be considered for benefits under the Offer.
  f. The Offer is non-transferable, non-negotiable, and non-encashable.
  g. Only Indian residents and citizens are eligible for this Offer.
  h. Tata Digital Private Limited and Croma reserve the right to modify, suspend, or terminate the Offer at any time.
  i. All disputes relating to the Offer are subject to the exclusive jurisdiction of courts in Mumbai

Participation in this Offer, implies that the customer has agreed to, read and accepted to be bound by these terms and conditions, Tata Neu’s Privacy Policy and Terms of Service available at https://www.tataneu.com/legal, and the NeuPass terms and conditions available at https://www.tataneu.com/about-neupass.