General Offers & Rewards Terms

Where Offer Terms specifically address a matter differently from these General Offers & Rewards Terms, the Offer Terms will apply to that matter. Kite's Terms & Conditions, Privacy Policy and, where applicable, the relevant Cardholder Agreement continue to apply to your use of Kite and the Kite Card.

1. Eligibility

• You must have a verified Kite account in good standing when you participate in an Offer and when any reward is credited.
• Kite Card Offers are available only in countries where Kite Card is available, unless the relevant Offer Terms state otherwise.
• Each person may maintain only one Kite account. Rewards earned through duplicate accounts, accounts created using another person's identity, self-referrals, or multiple accounts controlled by the same person will not be paid.
• Additional eligibility requirements, participating merchants, qualifying products, dates, spending requirements, reward limits and country restrictions may apply as stated in the relevant Offer Terms.

2. Qualifying Transactions

• Unless the applicable Offer Terms state otherwise, a transaction qualifies only once it has been successfully completed and settled. Pending, declined, cancelled, refunded, reversed, disputed or charged-back transactions do not qualify.
• Cash withdrawals, money transfers, gift cards, prepaid cards, e-wallet top-ups, crypto or investment purchases, gambling transactions, payments to your own business and other cash-equivalent transactions do not qualify unless expressly included in the relevant Offer Terms.
• Where an Offer requires payment to a particular merchant or category, eligibility may be determined using merchant names, merchant descriptors, merchant category codes and other transaction information provided to Kite by its card, payment or processing partners.
• Kite may request a receipt or other reasonable proof of purchase when reviewing eligibility.
• Unless otherwise stated in the Offer Terms, the full qualifying transaction amount must be paid using the eligible Kite payment method. Split payments involving another payment method may not qualify.

3. Cashback and Rewards

• The amount, rate, cap, frequency and destination of any reward will be stated in the applicable Offer Terms.
• For purchases made in a currency other than USD, cashback will be calculated using the final USD-equivalent settled transaction amount recorded by Kite or its applicable card or payment partner. Cashback calculations may be rounded to the nearest US cent.
• Unless otherwise stated in the Offer Terms, cashback becomes pending once the qualifying transaction settles and remains pending for 30 days.
• Pending cashback cannot be spent, transferred or withdrawn. Once the pending period has ended and the transaction remains eligible, the cashback will be credited to the destination specified in the applicable Offer Terms.
• A transaction may qualify for only one Kite-funded promotional cashback Offer unless the applicable Offer Terms expressly state otherwise.

4. Refunds, Reversals and Chargebacks

• If a qualifying transaction is refunded, reversed, cancelled, disputed or charged back within 30 days after settlement, the related cashback may be cancelled or reversed.
• If the cashback has already been credited, Kite may offset the amount against future cashback or rewards.
• Where permitted under the applicable Cardholder Agreement or other applicable terms, Kite may use other permitted methods to recover cashback that was credited in relation to a transaction that subsequently became ineligible.
• Kite may restrict a user's access to Offers until an outstanding promotional adjustment has been resolved.
• Nothing in these Offers & Rewards Terms limits any dispute, refund, chargeback or other consumer rights that cannot lawfully be excluded.

5. Fraud and Abuse

• Kite may withhold, reverse or cancel rewards, restrict participation in Offers, or investigate activity where Kite reasonably suspects fraud, abuse, manipulation or a violation of these Terms or Kite's Terms & Conditions.
• This includes, without limitation, duplicate or false accounts, identity misuse, self-referrals, manufactured spending, circular transactions, artificial transaction splitting, repeated purchasing and refunding, transactions made primarily to generate rewards, collusion with merchants or other users, or other attempts to obtain rewards contrary to the purpose of an Offer.
• Activities prohibited under the Prohibited Activities section of Kite's Terms & Conditions are also prohibited in connection with Offers.

6. Changes to Offers

• Kite may modify, suspend, shorten, extend or terminate an Offer where reasonably necessary, including for operational, commercial, regulatory, fraud-prevention or partner-related reasons.
• Any change will take effect when communicated through the Kite app, Kite website or another official Kite channel.
• Unless required by law, fraud prevention, correction of an obvious error or circumstances outside Kite's reasonable control, a change will not reduce rewards relating to transactions that qualified before the change became effective.

7. Missing Cashback

• If you believe you completed a qualifying transaction but did not receive the applicable reward, contact Kite within 60 days after the date the reward should have been credited.
• Kite may request information reasonably required to review the claim, including transaction details, receipts or proof of purchase.

8. Third-Party Merchants

• Unless expressly stated otherwise, merchants referenced in an Offer are independent third parties.
• Purchases remain subject to the merchant's own terms, refund policies and availability. An Offer does not create a partnership, endorsement or agency relationship between Kite and the merchant unless expressly stated.

9. Taxes

• You are responsible for any taxes or reporting obligations relating to cashback or rewards that may apply to you under applicable law.

10. Other Kite Terms

• Kite's Terms & Conditions and Privacy Policy apply in addition to these General Offers & Rewards Terms and the applicable Offer Terms.