The welcome offer is only valid for successful principal card application submitted on or before 31 October 2010.

Change of selected welcome offer is not acceptable.

DBS Bank (Hong Kong) Limited (“the Bank”) reserves the right to charge cardholder (including by charging to the relevant card account) the value of the welcome offer redeemed) if cardholder (by any means) redeems the welcome offer to which he/she is not entitled, makes duplicate redemption or uses ineligible transactions as the Bank may at its discretion determine to redeem the welcome offer.

If no choice of the welcome offer is indicated in the application form, your welcome offer will be assigned as "Panasonic iPhone/iPod Speaker".

Welcome offer is not applicable to principal card applicant who currently holds and/or in the past 6 months has held or cancelled any credit cards of the same card type (Manulife VISA Classic, Manulife VISA Gold, Manulife VISA Classic (with MediPlus), Manulife VISA Gold (with MediPlus), Manulife MasterCard, Manulife MasterCard Gold, Manulife Platinum MasterCard, Manulife MasterCard (with MediPlus), Manulife MasterCard Gold (with MediPlus), Manulife Platinum MasterCard (with MediPlus) will be classified as same card type), issued by the Bank or its predecessors.

Successful applicant with accumulated retail spending and/or cash advance of HK$4,800 or above within 60 days from card issuance date (“Spending Period”) will be eligible to purchase “Panasonic iPhone/iPod Speaker” at HK$840/by a 12-month interest-free instalment plan of HK$70 per month or “SANYO VPC-CG88 Full HD Dual Camera” at HK$1,980/by a 12-month interest-free instalment plan of HK$165 per month.

Cardholder will receive gift redemption letter within 4 weeks after the spending requirement is met. Cardholder shall present the gift redemption letter in person at designated redemption centre to purchase the welcome offer.

Cardholder who chooses to purchase the welcome offer by interest-free instalment plan will be deemed to accept the Card Interest-Free Instalment Plan Terms & Conditions. The relevant terms and conditions will be provided with new card.

Only posted transactions are counted towards the spending requirement (for instalment transactions, only posted monthly instalments are counted). The following types of transactions will not be calculated in the spending requirement: cash advance handling/administration fees, casino chips, foreign exchange, finance charges, reversed transactions, late charges, credit card annual fee, Call-a-loan, Balance Transfer, Funds Transfer, Fee Based Instalment, tax payment, other bill payment transactions made via JETCO/Internet/24-hour Customer Services Hotline/Mobile Banking Service or other means as provided by the Bank from time to time, transaction that has been subject to cancellation, charge-back, return of goods and/or refund or any other categories as the Bank may at its discretion determine from time to time.

Availability of the welcome offer is subject to demand. If stock of the welcome offer is exhausted due to excess demand, the Bank has the right to provide customers with an alternative offer.

The Bank is not the supplier of the welcome offer, any description, photos and suggested retail price in relation to the welcome offer are supplied by the merchant and for reference only, the Bank will not accept any liability for the differences between the suggested retail price/redemption price and its actual market price and/or all matters in relation to the redeemed welcome offer. Any complaints should be made to the merchants.

The Bank reserves the right to vary the terms and conditions, change or terminate the welcome offer. In case of any dispute, decision of the Bank shall be final and binding.