“DBS Black American Express^® Card Up To 6X DBS$ Offer” Promotion Terms and Conditions

1. “DBS Black American Express Card Up To 6X DBS$ Offer” Promotion (“Promotion”) is only applicable to the principal cardholders (“Cardholders”) of DBS Black American Express Card (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”).
2. The Promotion is valid from 12 November 2020 to 23 June 2021 (both dates inclusive) (“Promotion Period”).
3. During the Promotion Period, when Cardholders make at least 5 transactions of Online Spending (“Online Spending”, as defined in clause 4 below) or Supermarket & Department Store Spending by contactless payment (“Supermarket & Department Store Spending”, as defined in clause 4 below) (collectively “Eligible Spending”), Cardholders can enjoy up to 6X DBS$ on Eligible Spending (“Offer”). That is, on top of the basic reward of earning DBS$3 for every HK$250 Eligible Spending, Cardholder may earn extra DBS$3 (“Extra Reward”), and the Offer is only applicable to the first HK$10,000 of Eligible Spending conducted by Cardholder during the Promotion Period. Examples:
   

   Example	The amount of Eligible Spending (A)	Basic Reward@ (B)=(A)÷250×3	Extra Reward@ (C)=(A)÷250×3	Total Reward (B)+(C)	No. of miles can be redeemed^
   1	HK$750	DBS$9	DBS$9	DBS$18 (i.e. 2.4% rebate#)	250 miles (i.e. HK$3 = 1 mile)
   2	HK$3,000	DBS$36	DBS$36	DBS$72 (i.e. 2.4% rebate)	1,000 miles (i.e. HK$3 = 1 mile)
   3	HK$10,000	DBS$120	DBS$120*	DBS$240 (i.e. 2.4% rebate)	3,333 miles (i.e. HK$3 = 1 mile)

   @ Calculated based on HK$250 = DBS$3, since DBS$ is in integral, DBS$ earned will be rounded down to the nearest integer.
   # For Cardholders who have chosen “DBS$ Cash Rebate Scheme” as their DBS$ Reward Scheme: every DBS$1 earned from each statement cycle will be automatically converted to HK$1 cash rebate, and deposited into the applicable credit card. For details, please visit our website go.dbs.com/ hk-RewardScheme-en; For Cardholders who have chosen “DBS$ Redemption Scheme” as their DBS$ Reward Scheme: Cardholder can deduct the partial or full amount from a transaction by using DBS$ at the conversion ratio of DBS$1 equal to HK$1 via the InstaRedeem function in DBS Card+ mobile application.
   ^ Calculated based on the conversation rate of DBS$72 = 1,000 miles and is applicable to Cardholders who have chosen “DBS$ Redemption Scheme” as their DBS$ Reward Scheme only.
   * The amount of Eligible Spending is capped at HK$10,000. When exceeding the cap, the maximum Extra Reward is DBS$120.

4. Online Spending refers to the posted retail spending conducted via an online channel; Supermarket & Department Store Spending by contactless payment refers to the posted retail spending that is settled by placing the credit card at contactless reader of merchant that classified as supermarket and department store according to the merchant category code recorded in American Express (Hong Kong)’s system. In case of any disputes, the definition of Eligible Spending will be determined by the Bank at its sole discretion. For the avoidance of doubt, the following types of transactions shall not be regarded as Eligible Spending: online insurance payment, online tax payment, reload of e-Wallets (including but not limited to PayMe, WeChat Pay and Alipay), any bill payment transactions made via DBS iBanking, cash advances and relevant handling/administration fees, casino chips, foreign exchange, reversed transactions, transactions that have been subject to cancellation, charge-back, return of goods and/or refund or any other types of transactions specified by the Bank from time to time.
5. The amount of any Eligible Spending conducted through any supplementary card under the Applicable Credit Card will be aggregated with that of the principal card account.
6. Basic Reward will be credited in the form of DBS$ or cash rebate to the Applicable Credit Card account automatically after the transaction(s) is posted and be shown in monthly statement. The Extra Reward of this Promotion will be credited in the form of DBS$ or cash rebate to the Applicable Credit Card account within 3 months after the Promotion Period and be shown in monthly statement.
7. The calculations of Extra Rewards for related transaction amount are rounded down to their nearest integral, decimal places (if any) are not counted.
8. Extra Reward is only available to Cardholders whose credit card accounts are in good standing, remain valid and not in default during the Promotion Period and when the Extra Reward is issued.
9. Extra Reward cannot be transferred or used to settle the minimum payment, exchanged for cash, spending credit or other discounts / products / services.
10. Eligibility of any transactions for the purpose of this Promotion shall be determined based on the transaction date and time in the Bank’s record. If there is any discrepancy between the Bank’s record and Cardholder’s record of any transaction, the Bank’s record shall prevail. All Eligible Spending, based on transaction date, must be conducted during the Promotion Period.
11. Entitlement of the Promotion is subject to there being no abuse/non compliance by the Cardholders, failing which the Bank will debit the value of the Extra Reward from Cardholder’s account without notice and/or take such action to recover any outstanding amounts.
12. The Bank may change these terms and conditions and / or modify or terminate the Promotion. The Bank’s decision is final.
13. The English version shall prevail if there is any inconsistency between the English and Chinese versions.