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Things to note
- Validity: Valid for 365 days from the date of issue
- Issuer: Powered by Qwikcilver Solutions Private Limited
- Geographical Restriction: Ratnadeep Retail outlets are available only in Hyderabad, Secunderabad, Bangalore and Guntur
- Denomination: Can be purchased for variable denomination up to Rs. 50,000
- Partial Redemption: Must be redeemed in full, partial redemption is NOT ALLOWED
- Authentication Type: Bearer's instrument - no OTP will be sent at redemption
- Cash Conversion: Balance amount cannot be transferred or redeemed for cash
- Lost Cards: Qwikcilver, Ratnadeep Retail or their affiliates are not responsible if lost, stolen, or used without permission
- Refunds: No refund, replacement or cash back for lost/invalid cards