ZEN GOLD MULTIPLIER

ZEN Gold Multiplier is a jewellery purchase programme designed to help you plan for a future ZEN Diamond purchase. By purchasing a fixed quantity of eligible 24KT gold each month for six consecutive months, you can accumulate gold and receive an additional benefit towards eligible diamond studded jewellery and accessories, subject to the programme’s Terms & Conditions.

No. ZEN Gold Multiplier is a jewellery purchase benefit programme, not a deposit scheme, investment scheme or financial product. The programme bonus is available only towards an eligible jewellery purchase and is not payable in cash.

The programme is administered by Antalia Jewellery Pvt. Ltd., which operates the ZEN Diamond brand.

Redemption is available at designated ZEN Diamond stores, subject to the applicable redemption terms. Please contact your preferred store to confirm participation and redemption arrangements before visiting.

Choose a quantity of eligible 24KT gold in grams at your first monthly purchase and purchase the same quantity each month for six consecutive months. The gold purchased is delivered to you and remains in your possession. After successfully completing all six purchases, you may become eligible for the applicable bonus and redemption, subject to the programme’s Terms & Conditions.

No. The quantity selected at your first monthly purchase must remain unchanged throughout the six-month programme period. It cannot be increased or reduced during that programme cycle.

Your programme starts on the date your first successful monthly gold purchase is received and recorded by ZEN Diamond. This is referred to as the Commencement Date in the programme’s Terms & Conditions.

Yes. The eligible gold purchased is delivered to you and remains in your possession. Please retain your purchase records and supporting documents, as these may be required for verification at redemption.

Approved payment methods may include UPI, debit card, credit card and other online or store payment options approved by ZEN Diamond. Availability may vary by store or transaction.

PAN submission is mandatory. Valid bank account details and/or a UPI ID may also be required for customer identification (KYC) and payment verification.

Yes. Multiple enrolments are permitted, subject to the applicable programme policy and verification requirements.

For monthly purchases paid in cash, the aggregate accumulated amount across all active programmes must not exceed ₹1,50,000 under the programme terms. Non-cash payments are subject to applicable KYC and legal requirements.

The programme terms require you to confirm that your monthly purchases are made from lawful sources and are not funded through borrowed money.

If you complete all six consecutive monthly purchases and meet the programme conditions, a 30% bonus applies to eligible ZEN gold accumulated under the programme when redeemed during the Preferred Redemption Period. A 20% bonus applies during the Extended Redemption Period.

A 30% bonus applies to eligible redemptions in the 7th month, defined as days 181 to 210 from the Commencement Date. This is the Preferred Redemption Period under the programme’s Terms & Conditions.

A 20% bonus applies to eligible gold redeemed from day 211 onwards, subject to the programme’s Terms & Conditions.

No. Completing all six monthly purchases is a key eligibility requirement, but the bonus is determined and applied only at the time of an eligible redemption. You must also meet the applicable payment, verification, product and redemption conditions.

The applicable bonus is calculated on eligible gold in accordance with the programme’s Terms & Conditions and applied at the time of an eligible redemption. The eligible gold value is calculated using the prevailing applicable gold rate on the redemption date. The bonus is not payable in cash.

The programme requires six consecutive monthly purchases. A missed or delayed purchase beyond the permitted grace period may affect your bonus eligibility and lead to termination of the programme. Please refer to the programme’s Terms & Conditions and confirm your payment due date with ZEN Diamond.

You will not be eligible for the programme bonus unless all six consecutive monthly purchases are successfully completed and the other applicable conditions are met.

Yes. After accumulating eligible ZEN gold under the programme, you may also bring gold of 995 or 999 purity for verification and valuation. Eligible gold you bring may qualify for an additional bonus, up to a maximum quantity of 10 times your accumulated ZEN gold quantity, subject to the programme’s Terms & Conditions.

It refers to the maximum eligible quantity of 995 or 999 purity gold you bring in relation to the quantity of ZEN gold accumulated under the programme. It does not mean a monetary bonus of 10 times the value.

Eligible gold you bring may qualify for an additional 30% bonus during the Preferred Redemption Period, from days 181 to 210, or a 20% bonus from day 211 onwards, subject to verification and all programme conditions. This is in addition to the applicable bonus on eligible ZEN gold accumulated under the programme.

No. The gold must meet the 995 or 999 purity requirement and the programme’s eligibility conditions. ZEN Diamond will verify its purity and determine the eligible weight and value at redemption.

Eligible gold is valued using the prevailing applicable gold rate on the redemption date, subject to purity verification and ZEN Diamond’s applicable valuation policy. Bringing gold to the store before redemption does not lock in its value.

No. The additional bonus is provided as value towards eligible diamond studded jewellery and accessories. It cannot be paid in cash or transferred to a bank account.

Your eligible gold value and applicable bonus can be redeemed towards eligible diamond studded jewellery and accessories at designated ZEN Diamond stores, subject to the programme’s product eligibility and redemption conditions.

No. Gold coins are excluded from redemption under the programme.

No. The ARIA Collection is excluded from redemption under the programme.

No. Gift cards and gift vouchers are excluded from redemption under the programme.

No. Repair, maintenance, alteration and service charges are excluded from redemption under the programme.

No. Your entire eligible gold value and applicable bonus must be redeemed in a single transaction on one invoice. Partial redemption is not permitted.

Yes. You may purchase multiple eligible products, provided they are included on the same invoice and meet the programme’s eligibility conditions.

Jewellery prices are based on the prevailing prices on the redemption date. The programme does not guarantee a fixed jewellery price or a fixed quantity or weight of gold, diamonds, gemstones or jewellery.

Yes. Applicable taxes, duties, levies and charges at the time of redemption will apply. Your programme value and bonus do not waive these charges.

Promotional or complimentary points, including referral, profile-completion, website-review and welcome credits, cannot be redeemed with the programme bonus. Coupons and loyalty benefits from previous purchases may be combined only where permitted under ZEN Diamond’s applicable policy.

Yes. You may submit a written request to withdraw before completing all six consecutive monthly purchases. Once your request is accepted, your programme will be terminated and you will no longer be eligible for benefits under that account.

The gold already purchased and delivered to you remains your property. You do not need to return it simply because you withdraw. Any later sale, exchange or redemption of that gold is a separate transaction, subject to the policy applicable at that time.

The programme’s Terms & Conditions do not provide for a cash refund solely because of withdrawal or termination. Any separate transaction involving gold already purchased will be handled under the applicable ZEN Diamond policy and law.

Yes. Participation may be suspended or terminated for missed or delayed purchases as specified in the programme’s Terms & Conditions, suspected fraud, misrepresentation, forged or misleading documents, misuse or a breach of the programme terms.

ZEN Diamond may verify your identity, KYC documents, payment and gold purchase records, account details and redemption request. Redemption or bonus processing may be paused during verification. Benefits may be withheld or cancelled in cases of fraud, misuse or a breach of the programme terms.

A new programme, if permitted, will require fresh enrolment and will be subject to the programme terms applicable at that time.

ZEN Diamond may collect, store, process and use your personal information, KYC documents, payment records and transaction details to administer the programme, verify transactions, prevent fraud, meet legal and regulatory requirements, and provide related services and communications, as described in the applicable privacy policy.

You may receive payment confirmations, monthly purchase reminders, redemption and bonus eligibility information, promotions and other updates through SMS, email, WhatsApp, telephone or other communication channels.

ZEN Diamond may modify, suspend or discontinue the programme in accordance with its Terms & Conditions. Changes will not affect customers enrolled before the effective date unless required by applicable law. Material changes will be communicated through appropriate channels.

The programme is governed by the laws of India. Please first contact ZEN Diamond for review and resolution of any dispute. Unresolved disputes are subject to the jurisdiction of the courts in Mumbai, Maharashtra, as set out in the programme’s Terms & Conditions.

Please read the complete ZEN Gold Multiplier Terms & Conditions before enrolling. If there is any inconsistency between this FAQ and the full Terms & Conditions, the full Terms & Conditions and applicable law will govern.