1 - Sign up for Incard Business.
Join the waiting list and seize your opportunity to grow with incard. Let’s build the next generation together.
2 - Spread the word.
Know anyone who is looking for faster payments, higher limits and get rewards on social media ads? Tell them about Incard and we’ll reward you.
3 - Join the incard community.
Receive exclusive invitations to industry events, directly improve the incard platform, get up to 3% of cashback on ad spend.
These Rewards Terms govern Company’s participation in the Rewards Program and describe how Company may be eligible for, accrue, earn, redeem, and forfeit Points or Rewards. By opening and maintaining an Incard Account in good standing, Company is automatically enrolled in the Rewards Program.
We may update these Rewards Terms at any time by posting an updated version to our legal page.
Available Rewards are subject to change at any time (more redemption options will arrive soon).
You may only participate in the Rewards Program if you accept all of these Rewards Terms. These Rewards Terms are effective when you activate your Incard Account.
Points earned on a given transaction are available as soon as the transaction clears–usually. You can convert your points into cash or by other means (coming soon). The conversion of your points in cash is a benefit that allows you to earn money back for eligible purchase with your card.
As an incard user, you can earn points on all physical and virtual card payments you make with eligible merchants, in any of our available currencies. Your monthly points reward will be calculated based on the amount of eligible spending you do. We may from time to time offer you additional points which will be subject to additional promotional terms and conditions. The current default value is the following: each pound spent with incard cards on eligible expenditure earns 1 point. 100 points earns £1 in cash back.
We give our customers points on all Eligible Purchases. By “Eligible Purchases” we mean any card purchases that you or any additional cardholder(s) on your account make, using a card issued to you by us. Please note that temporary holds, processing or transaction fees, ATM charges, balance transfers, cash withdrawals, cheque purchase, insurance premiums, interest premiums, interest, default charges, deductions, returns, refunds and other fees and charges don’t count towards Eligible Purchases. We reserve the right to make the final determination of what constitutes Eligible Purchases.
The applicable Cashback level is (i) set out on our Pricing Page - https://www.incard.co/pricing-uk or (ii) a personalised level as communicated to you by us.
Please check the list all eligible purchase below.
• Meta (Facebook, Instagram ads)
• Google ads (including youtube ads)
• Snapchat ads
• TikTok ads
• Taboola ads
• Pinterest ads
• LinkedIn ads
• Twitter ads
• Bing ads
As Cashback redemption is the only available option for now, we’ll automatically calculate your Cashback and deposit it into your incard account each month – so you won’t need to do anything. You’ll earn Cashback on points collected on cleared card purchases only – so if you make a card payment at the end of October and it clears in November, it’ll qualify for Cashback in November. If a payment doesn’t clear at all, it won’t qualify for Cashback.
ATM withdrawals and incard fees don’t count towards your Cashback.
If we find out that any Cashback has been deposited or calculated incorrectly, we reserve the right to reclaim or deduct payments from your incard account, including those relating to returns, exchanges or chargebacks made on your incard account.
To redeem your points for cash (only option available at the moment), simply click on "Redeem" in the "Reward" tab on your app. Enter the number of points you would like to convert and confirm. Our team will review your request within 5 working days. Once the request is accepted, the cashback will be sent directly to your account within 14 working days.
To benefit from your monthly reward points (“Points”), you must comply with the terms and conditions applicable to the use of the services provided by us or any of our partners (the “Conditions”):
If you breach the Conditions, you will not earn any Points in respect of the month in which the breach occurs. You will not earn Cashback until your account is brought back within the Conditions.
If you breach the Conditions in two consecutive months, we will cancel the points you would otherwise have earned for both monthly statement periods. A breach of your Conditions includes a failure to make your monthly minimum payment by the payment due date on any credits provided by us or another entity with the same group.
We will also cancel any monthly Cashback award you would otherwise have earned for the entire monthly statement period if:
Your account is closed, either by you or us, within the monthly statement period;
Bankruptcy proceedings have been started against you; or
We suspect that you or any additional cardholders have committed fraud on the account.
If you are in breach of the Conditions at the time that your Cashback is due to be paid, we will suspend your Cashback. The monthly Cashback award will be paid to you after you have complied with your Conditions for an entire month.
You may be disqualified from participating in the Rewards Program if at any time: (a) any payments you owe to Incard are past due, (b) any prior payments were late, (c) you misuse any Services, (d) you engage in self-dealing (such as using Cards to pay for products or services provided by Company, its affiliates, its Beneficial Owners, or other persons affiliated with Company), (e) you engage in other Prohibited Activities found in the Prohibited Activities List, breach of policies or other agreements with Incard, or (f) you attempt to or otherwise game or misuse Rewards, Points, or the Rewards Program. Where we determine, in our sole discretion, that Company no longer satisfies the requirements for participation in the Rewards Program, we may disqualify you and you may lose any Rewards or Points that you may have accrued.
Payment Failure, Delinquency, Suspension, or Termination
In the event of a (a) payment failure, (b) delinquency, (c) suspension, or (d) termination of your Incard Account, your accrued Rewards or Points may be forfeited, and we may freeze your ability to redeem Rewards. We may refuse any request to use Rewards or Points, or terminate your participation in the Rewards Program if your Incard Account is not in good standing, if any payments are past due, if your Incard Account has been terminated, or if you have otherwise breached any of your obligations under the Platform Agreement and applicable Programs. You may lose all accrued Rewards or Points when your account is terminated, either by you or us. If your Incard Account is delinquent, you do not accrue Rewards or Points.If you do forfeit Points, we may allow you to regain these Points in our sole discretion, and we may charge a Fee or require you to pay all amounts owed to us, or place other conditions for doing so.
If you are given a refund for a purchase, this will be deducted from the Eligible Spend used to calculate the value of your points.
About the benefits from the Cashback scheme
If necessary, you must tell the tax authorities about any benefits you have received under the Cashback scheme. You will have to pay for any taxes or other charges which are charged as a result.
Changes to these Terms
We may change these Terms or withdraw the points, by giving you notice 7 days in advance before the effective day. If the change is to your advantage, we may make the change and tell you afterwards. If we withdraw the scheme, we will credit you with the amount of the Cashback due to you on the date that the scheme is withdrawn.