This festive season, shop with your Roarbank Card between 8th and 31st October 2026, convert the purchase to EMI in the Roarbank app, and earn cashback
No minimum purchase. No cashback cap
How it works
01
Shop
Pay with your Roarbank Card between 8th and 31st October 2026
02
Convert to EMI
In the Roarbank app, go to EMI → Eligible Transactions → Convert to EMI and choose a 9-month tenure or longer. Complete the conversion by 31st October 2026
03
Get cashback
Cashback is credited as soon as your EMI conversion is confirmed
What qualifies
Purchases converted to EMI in the Roarbank app
EMI tenure of 9 months or more
Purchase and conversion between 8th and 31st October 2026
What doesn't qualify 🚫
EMI tenures of up to 9 months
Merchant EMI, Brand EMI, No-Cost EMI and other checkout EMIs
Balance-to-EMI conversions
Cash withdrawals, money transfers, fees and charges
Purchases in excluded categories (see below) 👇
Excluded categories
Purchases in the following categories don't earn cashback:
MCC
Category
5541
Service Stations, with or without Ancillary Services
5542
Fuel Dispenser, Automated
5983
Fuel Dealers: Coal, Fuel Oil, Wood
8211
Schools, Elementary and Secondary
8220
Colleges, Universities, Professional Schools, and Junior Colleges
Eligibility is determined by the merchant category code (MCC) assigned by the merchant's bank.
Good to know
🎁
One cashback per purchase
Each qualifying EMI conversion earns cashback separately, with no cap per transaction or per customer
🌞
Regular cashback
If the purchase also earns regular Roarbank cashback, you get the higher of the two amounts, not both. If regular cashback has already been credited and is lower than the campaign cashback, only the difference will be credited so that the total cashback equals the campaign cashback amount
🧨
Cashback reversal
If the purchase is returned, refunded (fully or partially), disputed or reversed, or if you close the EMI early, the cashback will be reversed
FAQ 🧐
Who can participate in this offer?
Customers who are eligible for transaction EMI in the Roarbank app and complete all offer conditions
Is registration required?
No. Eligible customers are automatically enrolled
What is the minimum purchase amount?
There is no minimum purchase amount
Can multiple smaller purchases be combined?
Each qualifying transaction earns cashback independently when converted to EMI
What EMI tenure should I choose?
12 months or more = 5% cashback
9-11 months = 3% cashback
less than 9 months EMI tenure do not qualify
Do Merchant EMI or No-Cost EMI transactions qualify?
No. Only transactions converted to EMI through the Roarbank app qualify
When will I receive the cashback?
Cashback is credited when the EMI conversion is confirmed
What is the maximum cashback I can earn?
There is no cashback capping
What happens if my purchase is refunded?
If the purchase is refunded, reversed, disputed, partially refunded, or if you close the EMI early, the cashback will be reversed
Can I earn both campaign cashback and regular Roar cashback?
No. You will receive the higher of the two cashback amounts
Your festive EMI can earn up to 5% cashback
Shop with your Roarbank Card, convert to EMI in the app and get rewarded
