Following channels shall be eligible for the contest:
- eBanking
- Mobile Banking (mPay)
- Debit Cards
- POS
- FI Channel
- Credit Card
The prizes have been so distributed that the scheme runs for six weeks, with a weekly zone wise prize for each channel. Scheme with all the proposed terms and conditions is detailed hereunder:
Name of the scheme : JK Bank DigiWin
Eligible group : Retail individual customers of J&K Bank
Amount allocated : Rs. 6,00,000/- per channel amounting to Rs,36,00,000/= for six channels
Weekly prizes : Zone wise, one smart phone worth Rs.6,000/= for each channel for 15 zones totaling to 90 phones every week. The winners will be chosen for individual zones separately.
In addition to this there will be a bumper prize worth 24000/= which shall be in the form of cash back after deducting applicable TDS. The amount shall be credited to the winners account. This prize shall be given to 15 customers from 15 zones. The eligibility and other terms and conditions for each channel shall
be as follows:
| Channel | Eligibility | |||||
| Week 1 | Week 2 | Week 3 | Week 4 | Week 5 | Week 6 | |
| eBanking | All retail customers who have activated/registered for the facility during the week shall be eligible for the lucky draw. | Same as Week1 | Retail Customers having done at least one financial transaction shall be eligible for the draw. | Same as week3 | Same as week3 | Same as week3 |
| mPay | All customers who have activated/registered for the facility during the week shall be eligible for the lucky draw. | Same as Week1 | Customers having done at least one financial transaction through this channel shall be eligible for the draw. | Same as week3 | Same as week3 | Same as week3 |
| Debit cards | All customers who have activated their debit cards during the week shall be eligible for the lucky draw. | Same as Week1 | Customers having done at least one financial transaction through this channel shall be eligible for the draw. |
Same as week3 | Same as week3 | Same as week3 |
| FI | Customers who have AADHAAR seeded their accounts during the week shall be eligible for the lucky draw |
Customers who have enrolled their accounts for BC transactions during the week shall be eligible for the lucky draw. | Customers having done at least one financial transaction through BC channel shall be eligible for the draw. | Same as week3 | Same as week3 | Same as week3 |
| Credit cards | All customers who have activated their Credit cards during the week shall be eligible for the lucky draw. | Same as Week1 | Customers having done at least one financial transaction through this channel shall be eligible for the draw. | Same as week3 | Same as week3 | Same as week3 |
| POS | All merchants who have installed JK Bank POS during the week. | Same as Week1 | All merchants who have at least done 20 transactions on JKbank POS during the week | Same as week3 | Same as week3 | Same as week3 |
Based on the above eligibility criteria winners will be selected through a lucky draw. The draw shall be held for each zone and each channel separately. This means that every week fifteen (15) draws shall be
conducted for each channel, thereby a total number of 90 draws to select 90 winners weekly. The names of the winners shall be published in local dailies besides on bank’s website and social media pages.
The winners of 15 bumper prizes proposed at the end of the scheme shall be selected based on the highest Self-service to Branch transaction ratio. For the purpose of self-service transactions, all digital financial
transactions shall be considered.
The sum total of transactions during the entire period of six weeks of  the campaign done by individual customers shall be considered for selecting the winners. In case of tie for any position at any of the zones for any of the channels the winner shall be decided by a draw. The draw shall be held in presence of a committee which shall be assisted by Technology & Information Systems department (T&ISD).
Contact Your Branch for more details.
