Card cashback (AI/Ads) T&Cs

You get 10% cashback on your first Google Ads or Meta Ads transaction made with your Card, up to USD 100. Only one transaction qualifies: whichever of the two you pay first.

A transaction qualifies when all of the following are true:

• It is your first Google Ads or Meta Ads transaction whichever comes first. Only that one transaction qualifies. Later transactions at either platform do not.
• It is made during the promotion period. The date of the transaction counts, not the date it settles.
• It is billed directly by Google Ads or Meta Ads (including Facebook and Instagram ads bought through Meta) and shows on your statement under that merchant's name. Payments made through agencies, resellers, or third-party platforms do not count.
• It is a completed purchase that has settled. Pending authorisations, card verification charges, pre-authorisation holds, and transactions that are declined or reversed do not count.

Cashback is 10% of the settled transaction amount in USD. Cashback is capped at USD 100.

You get 50% cashback on your first ChatGPT or Claude transaction made with your Card, up to USD 5. Only one transaction qualifies: whichever of the two you pay first.

A transaction qualifies when all of the following are true:

• You have never made a transaction with any nsave card at ChatGPT (OpenAI) or Claude (Anthropic).
• It is your first ChatGPT or Claude transaction, whichever comes first. Only that one transaction qualifies. Later transactions at either do not.
• It is made during the promotion period. The date of the transaction counts, not the date it settles.
• It is billed directly by OpenAI or Anthropic and shows on your statement under that merchant's name. Subscriptions paid through the Apple App Store, Google Play, or any other app store or reseller do not count, because those are billed by the store and not by OpenAI or Anthropic.
• It is a completed purchase that has settled. Pending authorisations, card verification charges, free trials, and transactions that are declined or reversed do not count.

Cashback is 50% of the settled transaction amount in USD. Cashback is capped at USD 5.

You do not need to claim. If your transaction qualifies, we will credit the cashback in USD to your nsave account within 30 days of the transaction settling. We will let you know in the app when it has been paid.

If you think you qualified but did not get your cashback within 45 days of the transaction, contact us at support@nsave.com.

Cashback cannot be exchanged for cash outside your nsave account, transferred to another person, or swapped for any other reward.

• You can take part in both promotions. You can earn one Ads reward (up to USD 100) and one AI tools reward (up to USD 5), so USD 105 in total at most.
• Both rewards are limited to one per person. If we find several accounts controlled by the same person, we will pay at most one of each reward.
• Only transactions on a Card issued to you in your own name count.

We may refuse cashback, cancel cashback we have already paid, or take back the cashback amount if:

• The qualifying transaction is refunded, reversed, or charged back, in full or in part. On a partial refund, we will adjust the cashback to match the amount you kept.
• You opened accounts or used cards in a way intended to claim more than one reward per promotion.
• You gave us information that was false or misleading.
• Your account is closed, by you or by us, before the cashback is paid.
• We reasonably believe the transaction is connected to abuse of the promotion.

If we take back cashback, we will tell you first and deduct it from your nsave balance. If your balance does not cover it, we may recover it from later deposits.

We may change these terms or end either promotion early for legal, regulatory, security, or operational reasons, or if the promotion is being abused. We will publish any changes.

Google, Google Ads, Meta, Facebook, Instagram, OpenAI, ChatGPT, Anthropic, and Claude are trademarks of their respective owners. These companies do not sponsor, endorse, or take part in these promotions. Any issue with a purchase you made from them is between you and that merchant.

The cashback promotion described in these Terms is offered and operated exclusively by nsave. nsave provides them as an independent benefit to its cardholders and funds all cashback itself. This promotion is not sponsored, administered, endorsed, or guaranteed by the card-issuing bank or financial institution that issues the Card (the "Card Issuer"). The Card Issuer bears no obligation or liability of any kind in connection with this promotion, and any dispute or claim relating to the promotion must be directed solely to nsave. Your Card account terms and conditions, which are governed by a separate agreement with the Card Issuer, continue to apply independently of these Terms.