“DBS Credit Card X HKBN InstaRedeem 30% Off Offer” Terms and Conditions

1. “DBS Credit Card X HKBN InstaRedeem 30% Off Offer” (“Promotion”) is applicable to the principal cardholders (“Cardholders”) of DBS Credit Cards and Co-branded Cards (excluding Private Label Cards and Business Cards) (“Applicable Credit Cards”) issued by DBS Bank (Hong Kong) Limited (the “Bank”). This Promotion is not applicable to supplementary card cardholders and not applicable to those Cardholders who choose to participate in DBS$ Cash Rebate Scheme under the DBS$ Reward Scheme.
2. Promotion period starts from 16 December 2020 to 31 January 2021, both dates inclusive (“Promotion Period”).
3. Before conducting any spending, Cardholders are required to install the DBS Omni mobile application and complete the registration and confirmation of the DBS Omni account. Also, Cardholders are required to enable the notification in DBS Omni setting > Push Notification > “InstaRedeem” for participating in the Promotion.
4. Cardholders who spend at HKBN (“Merchant”) during Promotional Period with Applicable Credit Card ("Eligible Transaction") can enjoy the offer of InstaRedeem 30% off by adopting a conversion rate of DBS$1/$1 COMPASS Dollar to HK$1.43 (“Offer”) through the Red “InstaRedeem” button of DBS Omni displayed in the Timeline function of DBS Omni after the spending is posted. Definition of the spending at Merchant is determined by the Bank at its sole discretion.
5. Eligible Transaction includes spending with the Applicable Credit Card at the HKBN stores, through My HKBN mobile application or online version (including instant payment and myHKBNmall spending) or payment by the Applicable Credit Card via Autopay, but it does not include the payment of any HKBN account with the Applicable Credit Card via Internet banking services.
6. For the avoidance of doubt, the following types of transactions shall not be considered as Eligible Transactions:
   1. Any transactions that are subject to cancellation, charge-back, return of goods and/or refund,
   2. Any unposted transactions, bill payment transactions made through DBS iBanking, JET Payment Service or any other means as specified by the Bank from time to time;
   3. Payment via eWallet (including but not limited to Payme, Apple Pay, Google Pay and WeChat Pay, except AlipayHK), all reloads of e-Wallet and Octopus Automatic Add-Value Service;
   4. Any other type of transaction as determined by the Bank from time to time.
7. All spending at Merchant will be counted based on the post date of transaction during Promotion Period. And Cardholders should enjoy the Offer through the Red “InstaRedeem” button of DBS Omni by 14 February 2021, otherwise Offer will be forfeited without prior notice.
8. Since DBS$/COMPASS Dollar are in integral, if a Cardholder would like to fully set off the amount payable for spending at the Merchant, the Bank will first round down the required the DBS$/COMPASS Dollar to the nearest integer, then convert it into HK$ amount at the rate of DBS$1/$1 COMPASS Dollar to HK$1.43. If the converted HK$ amount has decimal places, the Bank will round up the amount to the nearest integer and credit the amount into the Applicable Credit Card account. For avoidance of doubt, please refer to the below calculation of B and C in the illustration using DBS$/COMPASS Dollar for reference:

   	Spending at Merchant (A)	Converted at DBS$1/ $1 COMPASS Dollar = HK$1.43 A÷1.43	DBS$ / COMPASS Dollar required for fully set off the amount payable (round down to integer) (B)	Converted to HK$ B×1.43	Amount credited into the Credit Card account* (C)
   Example 1	HK$643.50	DBS$ / COMPASS Dollar 450.00	DBS$ / COMPASS Dollar 450	HK$643.50	HK$644
   Example 2	HK$895.20	DBS$ / COMPASS Dollar 626.01	DBS$ / COMPASS Dollar 626	HK$895.18	HK$896
   Example 3	HK$400.00	DBS$ / COMPASS Dollar 279.72	DBS$ / COMPASS Dollar 279	HK$398.97	HK$399

   * After the adjustment of decimal places, under certain circumstances, Cardholders may not be able to fully set off the amount payable for the Merchant spending.

9. Besides fully set off the amount payable for spending at Merchant, Cardholders can also choose to use DBS$/COMPASS Dollar to set off part of it. In calculating the HK$ amount that can be set off, the amount will be rounded up to the nearest integer. For avoidance of doubt, please refer to the below calculation of B and C in the illustration for reference:

   	Spending at Merchant	DBS$ / COMPASS Dollar used (A)	Converted at DBS$1/ $1 COMPASS Dollar = HK$1.43 A×1.43	Spending set off (B)
   Example 1	HK$643.50	DBS$ / COMPASS Dollar 200	HK$286.00	HK$286
   Example 2	HK$895.20	DBS$ / COMPASS Dollar 355	HK$507.65	HK$508
   Example 3	HK$400.00	DBS$ / COMPASS Dollar 60	HK$85.80	HK$86

10. The Offer of this Promotion cannot be enjoyed in conjunction with the offer of other InstaRedeem promotions of the Bank. If Cardholder's Eligible Transaction has already been rewarded in other InstaRedeem promotion, he/she can no longer receive the Offer from this Promotion. In case of any disputes, the Bank reserves the right of final decision.
11. Offer is only applicable to Cardholders whose Applicable Credit Card accounts are valid, not in default and in good standing (as determined by the Bank at its sole discretion) during the Promotion Period. If the status of a Cardholder’s Applicable Credit Card account is not in good standing, the Bank reserves the right to disqualify the Cardholder from participating in the Promotion and/or enjoying the Offer.
12. The Bank has absolute discretion to determine the validity of a transaction and the eligibility of the Offer based on the details (including time and date) of the relevant transaction in the Bank’s record. If there is any discrepancy between the transaction record of a Cardholder and that of the Bank, the Bank’s record shall be conclusive.
13. Participation in the Promotion is subject to there being no abuse or non-compliance by the Cardholder, failing which the Bank will debit the values of the Offer from the Cardholder’s account without notice and/or take such action to recover any outstanding amounts.
14. The Bank may change these terms and conditions and/or modify or terminate the Promotion. The Bank’s decision is final.
15. The English version shall prevail if there is any inconsistency between the English and Chinese versions.