Terms and Conditions

Introduction

  • These terms and conditions (“Terms”) apply to the #ShineWithKalyan Campaign (“Campaign”) conducted by Payit Wallet, by First Abu Dhabi Bank (“Payit”), in collaboration with Kalyan Jewellers.
  • By participating in the Campaign, you agree to be bound by these Terms.

Campaign Details

  • The Campaign rewards eligible Payit customers with an AED 100 Kalyan Jewellers voucher for maintaining a qualifying wallet balance.
  • Additionally, customers who redeem their voucher will be entered into a gold coin raffle draw managed by Kalyan Jewellers.
  • A total of 10 winners will be selected, and each winner will receive a 5gm gold coin.

Eligibility

  • The Campaign is open to all Payit customers (including FAB and Payit staff) who meet the balance qualification criteria.
  • No exclusions apply to internal users unless specified later by Payit.

Campaign Period

  • The Campaign will run from May 20, 2025 to June 20, 2025, both dates inclusive.
  • The voucher redemption deadline is July 31, 2025.

Participation

To participate and qualify for the guaranteed reward:

  • Customers must maintain a wallet balance of AED 1,000 or more continuously during the campaign period (May 20 – June 20).
  • Every qualifying customer will receive an AED 100 Kalyan Jewellers voucher, to be used in-store before the stated deadline.
  • Customers who redeem their voucher by July 31, 2025, will be automatically entered into a raffle draw managed by Kalyan Jewellers.

Prizes/Rewards

  • Each eligible participant will receive one AED 100 Kalyan Jewellers voucher as a guaranteed reward.
  • Vouchers must be redeemed at any Kalyan Jewellers branch before July 31, 2025.
  • Upon successful voucher redemption, customers will enter a draw managed by Kalyan Jewellers where 10 winners will receive a 5g gold coin each.
  • Redemptions made after July 31, 2025, will not be accepted and will not qualify for the gold coin draw.

Winners & Prize Fulfillment

  • The guaranteed AED 100 voucher will be sent to the winners via email by Payit. The gold coin raffle draw will be conducted by Kalyan and will take place during the first week of August 2025.
  • The raffle draw will be conducted solely by Kalyan Jewellers.
  • Payit will not participate in the winner selection process and is not liable for prize distribution.
  • Winners will be selected and contacted by Kalyan Jewellers based on their own process and timelines.

Cancellation Policy

  • Voucher redemptions are non-reversible and non-exchangeable once issued.

General Conditions

  • Payit is not responsible for any loss or damage arising from participation in the Campaign or from the acceptance or use of any reward.
  • Participants agree to release and hold harmless the Payit from any claims or liabilities arising from their participation in the Campaign.
  • These terms and conditions are governed by and construed in accordance with the federal laws of the United Arab Emirates, and any dispute relating to the interpretation of these terms and conditions must be referred to the exclusive jurisdiction of the courts of the United Arab Emirates.
  • Payit’s decision on all matters relating to the Campaign is final and binding.