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Terms and conditions

1. DEFINITIONS

The Rewards Programme ("Programme") is composed of two rewards categories:-

Flight Rewards which means the transfer of Reward points to the participating airline/s available for frequent flyers on such airline(s).
Non-Flights Rewards meaning all rewards, other than Flight Rewards, provided by the Programme which include charity, dining, shopping, travel and annual fee waiver. HSBC reserves the right to cancel, change or substitute any reward at any time with or without prior notice.

2.VALIDITY OF REWARD POINTS

Reward points earned from 1 January 2000 onwards, are valid for up to three (3) years. The expiry date of Reward points expiring in a particular year shall be the last day of the anniversary month from the date of issuance of the Card for that particular year. All Reward points must be redeemed prior to their expiry. The various applicable expiry dates will be shown in your monthly credit card statement and any unused points earned and accumulated will NOT be carried forward upon their expiry. Expired Reward points cannot be redeemed. Redemption forms must be received by HSBC before expiry of Reward points. Proof of sending is not proof of receipt of redemption form.

3. ELIGIBILITY

All Personal, Corporate Staff and Company cardholders with accounts in good standing (currently not overdue in payment or exceeded limit) are eligible for this Programme. Corporate cardholders and Standalone Private Label cardholders are excluded from this Programme.

4. REWARD POINTS EARNED IN THE PROGRAMME

All HSBC's MasterCard and Visa cardholders will earn one Reward point in the Programme for every RM1.00 billed to the cardholder's primary and supplementary card accounts subject to the exclusions listed below. The cardholder will NOT earn Reward points for the following :-
Cash Advance
Late Payment Charge
Finance Charge
Annual Fee
Service Tax (as determined by the Malaysian Government)
Balance Transfer
Transactions at petrol stations

The accumulation rate of one (1) Reward point for every RM1.00 may be subject to change from time to time as determined by HSBC.

Adjustments will be made to the Reward points accrued in the cardholder's MasterCard and/or Visa card account if there are any credit(s) or debit(s) posted to a cardholder's account, including those arising from returned goods or services, or from billing disputes. Any disputed transactions/billing will not be accredited with Reward points.
Whether transactions are made in Malaysia or abroad, Reward points will be earned on the amount debited to the cardholder's credit card account in Malaysian Ringgit for all eligible spending.
HSBC may change the period during which the cardholder must use the Reward points by giving at least 30 days' notice. The change will take effect from the date stated in such notice.
HSBC reserves the right to change, at any time and without prior notice, the number of Reward points and where applicable, the number of Reward points plus Ringgit value ("Express Lane" redemption option) that are required to redeem any of the items in the Programme.
Subject to Clause 11 (vi) herein, all Reward points are not transferable to another cardholder's card account.
Reward points accumulated will be reflected in the cardholder's monthly card statement. Only Reward points reflected in the card statement can be used for redemption.
HSBC will not be responsible for any delay in the posting of the transactions and/or the accrual of Reward points during the programme.

5. REWARD POINTS REDEMPTION

If any cardholder's MasterCard and/or Visa card account is not in good standing (overdue in payment or exceeded limit), but not cancelled or terminated by HSBC or the cardholder at the time of redemption request, the cardholder's participation in the Reward Programme will be cancelled or points accrued in the cardholder's account will be forfeited. A cardholder's participation in the Programme will also be cancelled or points accrued will be forfeited due to the cardholder's failure to adhere to these terms and conditions and the terms and conditions governing the card account. HSBC reserves the absolute right and discretion whether to effect such cancellation or forfeiture.
When redeeming Reward points, HSBC will deduct the points earned by date order on whichever card under the name of the cardholder so that the earliest accumulated points will be redeemed first.
Reward points accumulated in the cardholder's account plus that of the supplementary MasterCard or Visa card account can only be redeemed by the primary cardholder.
Upon redeeming a reward, the cardholder releases HSBC from any and all liability to the cardholder or any guest of the cardholder (including supplementary cardholders) in respect of the redemption or use of such reward in the Programme.
Any dispute and/or complaints regarding the goods or services received as a reward under the Programme shall be settled between the cardholder and the service establishment and/or supplier which supplied the goods or services ("service establishment" and"supplier which supplied the goods or services" shall be collectively referred to herein as"service establishment" or"service establishments"). HSBC will bear no responsibility for resolving such disputes and/or complaints, or for the dispute/complaint itself.
The Reward points earned in the Programme have no cash or monetary value and cannot be exchange for cash.
Information supplied on the redemption of certain rewards may be used by HSBC or the service establishments that provide the rewards for its/their administrative, public relations and marketing purposes.
In the event that the cardholder's choice of goods or services is unavailable, HSBC will replace it with a substitute of equal value. All goods and services are available while stock lasts and the Bank reserves the right to withdraw and/or replace such goods or services featured in the catalogue at any time.
Goods accepted in good condition are strictly non-returnable and non-exchangeable. In the event there is a manufacturing defect, cardholders must return the said item to the manufacturer or distributor at his own cost, undamaged and in its original packaging for a replacement within 7 working days upon receipt. (list of the service establishments' contact details are available upon request)
There is"NO TRIAL PERIOD" for all reward items.
Subject to Clause 4(v), all redemptions are subject to the accumulation of sufficient Reward points and the Bank's final acceptance. Orders will be cancelled automatically in the event of insufficient and/or expired points. Once a redemption order has been accepted by the Bank, it cannot be reversed, cancelled or changed.

6. REDEEMING NON-FLIGHT REWARDS

All rewards are subject to availability and any restrictions that may apply as to where and when the rewards can be redeemed. (Please note that the restrictions may be imposed by HSBC or service establishments.)
Any additional meals, transportation, accommodation, installation charges or other arrangements made in connection with any reward will be the sole responsibility of the cardholder.
In the event that the reward takes the form of a cash voucher, the cardholder can use HSBC's MasterCard or Visa card to pay the difference to the participating service establishment/s should the purchase be in excess of the value noted on the cash voucher. There will be no refund of the unused portion of the value of the cash voucher.
Issuance of a dining, travel or hotel/resort reward voucher does not constitute a reservation with the service establishments. The cardholder is responsible for making all reservations and notifying the participating service establishments of the reward(s) they are going to redeem.
HSBC is not responsible for expired, lost or stolen reward vouchers, tickets or items. Reward vouchers of a service establishment are only valid at participating outlets listed in the Programme.
Redeemed reward vouchers are not exchangeable for other rewards, not refundable, not replaceable and not transferable for cash or credit under any circumstances.
HSBC will NOT (a) replace; or (b) assist a cardholder by placing a hold or a freeze status on any misplaced, lost or stolen reward voucher/s or ticket/s under any circumstances.
For redemption of annual fee waiver, the primary cardholders must submit their redemption at least one month prior to the anniversary month of the card membership. If annual fee has been charged to the cardholder's card account, the redemption of annual fee waiver will only be for the following year.
All rewards offers featured in this catalogue are valid until 31 December 2006.
The reward offers featured in the Premier and Platinum section of this catalogue are exclusively for HSBC Premier and Platinum credit cardholders.

7. REDEEMING FLIGHT REWARDS

Only those primary cardholders who have enrolled in the participating airline's/airlines' Frequent Flyer Programme(s) will be able to redeem Flight Rewards.
The primary cardholder must accumulate and transfer his/her Reward points in multiples of 1,000 air miles from his/her MasterCard and/or Visa account to his/her participating airline's/airlines' Frequent Flyer Programme(s) in order for such transfer to be effected. Transfer of Reward points to supplementary cardholders or any other person participating airline's/airlines' Frequent Flyer Programme(s) will not be entertained.
All primary cardholders must state their relevant Frequent Flyer Programme(s) membership number on the redemption form. Processing of Reward points will be within 2 to 3 weeks (barring any unforseen circumstances). HSBC will not be liable for any delay in processing and crediting of air miles into the primary cardholder's Frequent Flyer Programme membership account.
Cardholders are subject to and must comply with the terms and conditions of the relevant participating airline's Frequent Flyer Programme which in turn will be governed by the terms and conditions, rules, regulations, policies and procedures (Programme Rules) of the respective Frequent Flyer Programme.

8. DELIVERY

All goods and services supplied will be covered by the manufacturer's or supplier's normal delivery terms of business. Except where the law provides otherwise, HSBC will not be responsible for the quality or suitability of the goods or services or for any delay in delivery.
Delivery of reward vouchers or items shall be deemed to be made if presented at the address furnished by the cardholder in his request form; and if sent by post or courier, within four (4) working days after posting or despatch. Claims of non-receipt of reward vouchers or items will not be entertained after 2 months from the date of submission of redemption form.
No delivery of reward vouchers or items will be made to a P.O. Box address. Delivery of reward vouchers and items outside Malaysia will be subjected to the debiting of any additional charges to the cardholder's card account.
Courier charges will be imposed on the cardholder's card account for any re-direction from the original stated delivery address.
Delivery of reward vouchers or items will only be made against written acknowledgement of receipt of the reward vouchers or items by occupant at the residential address for delivery and where such address is an office address, by any member of the office. Such acknowledgement shall be deemed to be the acknowledgement of the cardholder.
HSBC will make arrangements to deliver the reward vouchers and other items to cardholders within 2 to 3 weeks (barring any unforseen circumstances) after receipt of the cardholder's redemption request form. Proof of sending of the redemption request form is not proof of receipt by HSBC.

9. VARIATION OF RULES

HSBC reserves the right to add, delete, vary or amend the Programme terms and conditions at any time.
HSBC's failure to enforce a particular term and condition does not constitute a waiver of that term and condition by HSBC.

10. TERMINATION

HSBC can suspend or terminate the Programme at any time it deems necessary. In such a case, HSBC shall give advance written notice to primary cardholders in the manner it deems appropriate.
Termination of the Programme will take effect on the date stated in the notice. The cardholder must use any outstanding points within 30 days of the termination date. All outstanding points will be automatically cancelled upon the expiry of this 30-day period.

11. GENERAL

HSBC assumes no responsibility for any claims, loss, cost, expense or damages of whatever nature resulting from the redemption of either Flight or Non-Flight rewards.
Suspected or actual fraud and/or suspected or actual abuse relating to the accumulation of Reward points in the Programme or redemption of rewards including transfer of Reward points to participating airlines' Frequent Flyer Programmes, may result in forfeiture of accumulated Reward points as well as cancellation of a cardholder's participation in the Programme.
All questions or disputes regarding eligibility for the Programme or the eligibility of points of accrual or redemption of rewards including transfer of points to a participating airlines' Frequent Flyer Programme, will be determined by HSBC at its sole discretion.
If a cardholder cancels all his primary cards from HSBC or if for any reason, HSBC cancels any primary card account, any points accrued to such primary card account(s) and to all supplementary card accounts issued under such primary card account(s) will be cancelled and will not be capable of conversion or redemption.
If an eligible cardholder who has more than one Visa or MasterCard card account with HSBC, voluntarily cancels any such card account and at least one Visa or MasterCard account with HSBC remains, any points accrued in the Programme as a result of charges billed to the cancelled card may at the Bank's sole discretion, be transferred to any remaining Visa or MasterCard account with HSBC in his or her name.
Any props, accessories or equipment featured together with the Rewards in any pictorial herein are for ornamental purposes and shall not form part of the Rewards to be redeemed by the cardholder.
In the event where there is any inconsistency, conflict, ambiguity or discrepancy between English and Bahasa Malaysia version of these Terms and Conditions, the English version of these Terms and Conditions shall prevail.