Terms & Conditions

• Debit card waivers will be applied as per the product mechanics. Any debit card outside the defined product criteria will be charged to the customer.
• Customers may choose any Debit Card, provided their account is a Current Account as mentioned above.
• Cashback will be applicable on spending on Fuel, Grocery, and Utility Bill payments, with a maximum cashback cap up to PKR 5,000 (Platinum 5,000; Titanium & JS Her Titanium 3,000; Gold 2,000).
• This will be a 3-month campaign, tentatively scheduled to run from 1st Dec 2025 to 28th Feb 2026.
• Customers are eligible for multiple cashbacks up to the maximum capping mentioned above in each month. The capping will reset at the start of every new month.
• NTBs pouring in the last 10 days of the campaign (15th Feb – 28th Feb 2025) may benefit from cashback for the next 10 days from account opening.
• Transaction Types: To qualify, customers must make in-store or online purchases using a JS Debit Card, and transactions must fall under specific Merchant Category Codes (MCC).
• Exclusions: Transactions made at non-participating retailers or those paid via other payment methods (e.g., credit card, cash), or transactions processed with incorrect Merchant Category Codes (MCC), will not qualify.
• Mobile and Online Banking: Cashback transactions will be recorded in customer statements, enabling customers to monitor their cashback activity. If necessary, the transaction date can be incorporated into the transaction description for enhanced tracking.