| Clause No. |
Revised Welcome Offers T&C – Terms and Conditions for Debit Card Cash Rebate ("Promotion") |
| 1 |
The promotion period of this Promotion is from 1 Oct 2024 to 31 Dec 2024 (both dates inclusive) ("Promotion Period"). Up to totally 1.3% or 1.2% cash rebate ("Cash Rebate") offered by the Bank in relation to the Eligible Debit Card (as defined in Clause 3 of these Terms and Conditions) comprises (i) the Cash Reward (as defined in the Terms and Conditions for Debit Card [Addendum to the Dah Sing Credit / Debit Card Cardholder Agreement ("Cardholder Agreement") (including RMB Cards)] ("Debit Card T&C")) and (ii) the additional Cash Rebate ("Additional Cash Rebate") listed in the table below:
Customer Segment
(as defined in Clause 4 of these Terms and Conditions) |
Cash Reward |
Additional Cash Rebate |
Cash Rebate
(comprising (i) the Cash Reward and (ii) the Additional Cash Rebate) |
| VIP Banking |
0.6% |
0.7% |
1.3% |
| YOU Banking |
0.6% |
0.6% |
1.2% |
|
| 2 |
This Promotion only applies to the customers who successfully apply for the Dah Sing Multi-Currency Mastercard® Debit Card ("Eligible Debit Card") issued by Dah Sing Bank, Limited ("Bank") during the Promotion Period ("Cash Rebate Eligible Cardholders"). The promotion period of the Additional Cash Rebate is from 1 Jan 2025 to 30 Jun 2025 (both dates inclusive) ("Additional Cash Rebate Promotion Period"). For the avoidance of doubt, the Additional Cash Rebate Promotion Period is not applicable to the Cash Reward and, in accordance with the Debit Card T&C, the Bank has the sole discretion to set, vary, suspend or withdraw any Cash Reward arrangement from time to time.
|
| 3 |
Based on the Bank's record of the customer segment as at the last working day of each Eligible Spending Month (as defined hereinbelow) ("Customer Segment") applicable to Cash Rebate Eligible Cardholders, Cash Rebate Eligible Cardholders can enjoy up to totally 1.3% or 1% cash rebate ("Cash Rebate") for retail or online spending transactions according to Clause 4 of these Terms and Conditions provided the relevant spending made by Eligible Debit Cards must be completed and posted according to the Bank's records ("Eligible Spending") during the corresponding Eligible Spending Month listed in the table below ("Eligible Spending Month"). The Eligible Spending is not under any minimum spending amount requirement.
Date of issuance of Eligible Debit Card during the following period
(both dates inclusive) |
Eligible Spending Month
(both dates inclusive) |
From 1 Oct 2024 to 31 Oct 2024 |
1 Nov 2024 to 31 Jan 2025 |
From 1 Nov 2024 to 30 Nov 2024 |
1 Dec 2024 to 28 Feb 2025 |
From 1 Dec 2024 to 31 Dec 2024 |
1 Jan 2025 to 31 Mar 2025 |
The Cash Reward applies to all the customers who successfully apply for the Debit Card issued by the Bank. The Additional Cash Rebate only applies to the customers who successfully apply for the Debit Card issued by the Bank during the Additional Cash Rebate Promotion Period. The Debit Cards referred to in this Clause 3 are collectively referred to as the "Eligible Debit Cards" and the customers described in this Clause 3 are collectively referred to as the "Eligible Cardholders". |
| 4 |
The Cash Rebate comprises the Cash Reward (as defined in the Terms and Conditions for Debit Card [Addendum to the Dah Sing Credit / Debit Card Cardholder Agreement ("Cardholder Agreement") (including RMB Cards)]) and the additional Cash Rebate ("Additional Cash Rebate") listed in the table below:
Customer Segment |
Cash Reward |
Additional Cash Rebate |
Cash Rebate
(comprising the Cash Reward and the Additional Cash Rebate) |
VIP Banking |
0.6% |
0.7% |
1.3% |
YOU Banking |
0.4% |
0.6% |
1% |
"Eligible Spending" means any retail or online spending transaction (i) successfully made by an Eligible Cardholder using his/her Eligible Debit Card and (ii) completed and posted to the account of such Eligible Debit Card according to the Bank's records, and is not under any minimum spending amount requirement. Regarding the Cash Reward, Eligible Cardholder can enjoy the Cash Reward according to Clause 1 of these Terms and Conditions and the Debit Card T&C and based on the Bank's records of the customer segment applicable to such Eligible Cardholder ("Customer Segment") as at the last working day of the relevant spending month in respect of his/her Eligible Spending made in that month. Regarding the Additional Cash Rebate, Eligible Cardholder can enjoy the Additional Cash Rebate according to Clause 1 of these Terms and Conditions and based on the Bank's records of the Customer Segment as at the last working day of each of the relevant "Eligible Spending Month" (as listed hereinbelow), in respect of his/her Eligible Spending made during that Eligible Spending Month.
Date of Issuance of Eligible Debit Card during the following period
(both dates inclusive) |
Eligible Spending Month
(both dates inclusive) |
| 1 Jan 2025 to 31 Jan 2025 |
1 Feb 2025 to 30 Apr 2025 |
| 1 Feb 2025 to 28 Feb 2025 |
1 Mar 2025 to 31 May 2025 |
| 1 Mar 2025 to 31 Mar 2025 |
1 Apr 2025 to 30 Jun 2025 |
| 1 Apr 2025 to 30 Apr 2025 |
1 May 2025 to 31 Jul 2025 |
| 1 May 2025 to 31 May 2025 |
1 Jun 2025 to 31 Aug 2025 |
| 1 Jun 2025 to 30 Jun 2025 |
1 Jul 2025 to 30 Sep 2025 |
|
| 5 |
The Cash Rebate amount will be rounded off to the nearest cent. |
| 6 |
The Cash Reward will be credited to the Multi-Currency Savings Account of the Eligible Debit Card held by the Cash Rebate Eligible Cardholder who successfully fulfills the relevant requirements for entitling to the Cash Reward in accordance with the Terms and Conditions for Debit Card [Addendum to the Dah Sing Credit / Debit Card Cardholder Agreement ("Cardholder Agreement") (including RMB Cards)] Debit Card T&C and any related terms and conditions and / or announcement(s) published by the Bank from time to time within 3 months after the relevant spending month. The Additional Cash Rebate will be credited to the Multi-Currency Savings Account of the Eligible Debit Card held by the Cash Rebate Eligible Cardholder who successfully fulfills the relevant requirements for entitling to the Additional Cash Rebate within 3 months after the relevant Eligible Spending Month. |
| 7 |
The Eligible Debit Card must remain valid at the time the relevant Eligible Debit Card should Cardholder receives the relevant Cash Reward (if applicable). The Eligible Debit Card must remain valid during the entire Additional Cash Rebate Promotion Period and at the time for the Cash Rebate relevant Eligible Cardholders to receives the relevant Additional Cash Rebate (if applicable). |
| 9 |
If the Bank decides to pay the Cash Rebate in a currency that is different from the relevant transaction currency, the Bank will calculate the Cash Rebate amount at the prevailing exchange rate determined by the Bank with reference to the exchange rate set by the relevant card association (if available). |
| 10 |
We will not provide the Cash Rebate for ineligible transactions, including but not limited to the following transactions:
- ATM-related transactions;
- Debit Card cash advances transactions;
- purchase transactions effected outside of Mastercard network;
- Bank handling fees (including but not limited to annual fees, financial charges, late fees and cash advance handling fees, etc.);
- quasi-cash transactions, including:
- casino, betting and gambling transactions;
- transactions at non-financial institutions (including (but not limited to) purchases of foreign currency, money orders and traveller's cheques);
- transactions at financial institutions (including purchases of products, services and merchandise from banks and / or securities / investment trading platforms);
- wire transfers;
- rental payment;
- property purchases;
- purchases of cryptocurrencies; and
- installment payment;
- unposted / cancelled / refunded / unauthorized / chargeback transactions; and
- mobile transfers and value-added transaction (including but not limited to PayMe, TNG, etc.).
|
| 12 |
Cash Rebate Eligible Cardholders are required to keep record of the relevant transactions of the Eligible Spending. In case of any dispute, the Bank reserves the right to require the relevant Cash Rebate Eligible Cardholder to submit the relevant Eligible Spending records or other documents or proof for verification purpose. Submitted Eligible Spending records and documents (whether original or copy) will not be returned. The Bank reserves the right to make the final decision as to whether any transaction qualifies as Eligible Spending. |
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