Terms and Conditions | DBS Personal Banking

“DBS Credit Card X 3HK InstaRedeem 30% Off Offer” Terms and Conditions

“DBS Credit Card X 3HK 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.
Promotion period starts from 15 January 2021 to 28 February 2021, both dates inclusive (“Promotion Period”).
Before conducting any spending, Cardholders are required to install the DBS Card+ mobile application and complete the registration and confirmation of the DBS Card+ account. Also, Cardholders are required to enable the notification in DBS Card+ setting > Push Notification > “InstaRedeem” for participating in the Promotion.
Cardholders who spend at 3HK (“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 Card+ displayed in the Timeline function of DBS Card+ after the spending is posted. Definition of the spending at Merchant is determined by the Bank at its sole discretion.
Eligible Transaction includes spending with the Applicable Credit Card at the 3HK point of sales (except Dealer Shop), through 3HK mobile application or its website or payment by the Applicable Credit Card via Autopay, but it does not include the payment of any 3HK account with the Applicable Credit Card via Internet banking services.
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 and WeChat Pay), 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.
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 Card+ by 14 March 2021, otherwise the Offer will be forfeited without prior notice.

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.

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

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.
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.
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.
Cardholders must retain the original transaction slips of any transactions. In case of any disputes, the Bank reserves the right to require Cardholders to submit the relevant original transaction slips, other documents or evidence for verification. The submitted transaction slips, documents and/or evidence will not be returned. If there is any discrepancy between the Bank’s record and Cardholder’s record of any transaction, the Bank’s record shall prevail.
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.
The Bank may change these terms and conditions and/or modify or terminate the Promotion. The Bank’s decision is final.
The English version shall prevail if there is any inconsistency between the English and Chinese versions.

“3HK Exclusive Offer for DBS Credit Cardholder” Terms and Conditions

“3HK Exclusive Offer for DBS Credit Cardholder” (the “Promotion”) is only applicable to 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”).
The promotion period runs from 15 January 2021 to 28 February 2021, both dates inclusive (“Promotion Period”).

Cardholders who subscribe designated monthly plan at 3Shop or 3HK website (www.three.com.hk) (“Merchant”) with Applicable Credit Cards during the Promotion Period shall be entitled to the following offers (“Offer”):

	Offer entitled
3Shop	Offer 1: Extra 33% Monthly Local Data Offer 2: 5G Standalone Handset Offer Offer 3: Add-on Offer
3HK website (www.three.com.hk)	Offer 1: Extra 33% Monthly Local Data

To enjoy the Offer, Cardholder is required to settle payment and pay the monthly service fee through autopay with Applicable Credit Cards. The credit card holder name must be the same as Cardholder’s account registration name.
Only Cardholders whose bank accounts maintained valid and in good standing during the Promotional Period will be eligible for the Offer(s).
Unless otherwise specified, Offer cannot be enjoyed with other promotional offers.
If a Cardholder terminates the contract and/or DBS credit card account during the committed contract period, the applicable Offer(s) will be forfeited without any compensation. The Bank and 3HK reserve the absolute right to charge the delinquent Cardholder the value of the Offer(s) without prior notice.
The Bank is not the provider of any of the products and/or services herein and makes no representation or warranty in relation to the same. If there are defects or other disputes in respect of the products or services, the merchant shall be responsible.
All related product images, specification and product information are provided by manufacturer(s)/vender(s). For any enquiry, please contact respective manufacturer(s) or vendor(s) directly: www.three.com.hk/vendorcontact.
3HK shall not be liable or give any guarantee as to the quality and availability of the products and/or service provided by vendor if applicable.
All Offer(s) are applicable to selected service plans and handset models. Please contact 3Shop staff, call 3Sales Hotline at 1032 or visit www.three.com.hk for details of 3Shop addresses, products, service plans, offers, terms and conditions.
5G network experience may be affected due to various factors including but not limited to network setting/specification or coverage, the features or functionality of individual mobile device, transmission technology, network traffic and usage, speed of websites servers, service stability of other content providers, weather and other circumstantial factors (e.g. blockades such as buildings, mountains, tunnels) which may lead to radio interference. Subject to 5G Service Terms and Conditions of 3HK. All usage is subject to 3HKService Usage Policy and Fair Usage Policy.
Unless otherwise specified, the usage entitlement and fee of the monthly plan apply to local services only.
All service contents and charges are subject to final decision of 3HK. 3HK reserves the right to change the contents and charges without prior notice.
The above offers subject to 3G, 4G LTE and 5G Service Terms and Conditions, the aforesaid and other special terms and conditions. Please contact 3Shop staff for details.
3HK reserves the rights to amend the charges and terms and conditions (including but not limited to designated destinations and designated networks, their coverage, system compatibility and other relevant conditions of the designated networks) of The Service and to suspend or terminate any part of The Service at any time without prior notice, especially in case where roaming partner terminates cooperation with 3HK. 3HK shall have the final decision in case of any dispute.
The Bank and 3HK reserve the right to amend these Terms and Conditions as well as to vary or terminate the Promotion. In the event of disputes, the decision of the Bank and 3HK shall be final and binding.
The English version shall prevail if there is any inconsistency between the English and Chinese versions.

“3HK Exclusive Offer for DBS Credit Cardholder - Offer 1 to 3” Additional Terms and Conditions

Offer 1: Extra 33% Monthly Local Data
Cardholder is required to subscribe any 5G monthly plan to enjoy extra 33% monthly local data during contract period. SIM Plan subscription: Cardholder is required to subscribe the designated 5G SIM / Multi-SIM monthly plan with 24 months contract or above and pay for the Admin fee of HK$18 per month. Prepayment of HK$100 SIM card fee (per SIM) is required for SIM subscription and shall be refunded after used for 1 month. Handset / Handset or Fortress Voucher Plan subscription: Cardholder is required to subscribe the designated handset monthly plan with designated VAS package, and commit to 24 months contract or above with designated prepayment. The prepayment amount will be credited to Cardholder's mobile number billing account by installments during contract period; and pay for the first month monthly fee. The Admin fee of $18 per month is also required.
Offer 2: 5G Standalone Handset Offer
Cardholder is required to subscribe any SIM monthly plan with 24 months contract or above and pay for the Admin fee of HK$18 per month on the same day of designated standalone handset purchase. Each transaction can only enjoy the offer once. The Offer is applicable to selected handset models only and the handset models / colour are available while stocks last.
Offer 3: Add-on Offer
Cardholder is required to subscribe designated 5G monthly plan and purchase designated product at the same time, and pay for designated amount per month (subject to models purchased) for 24 months. In case of early service or Add-on offer cancellation, Cardholder is required to pay the sum of remaining premium payment amount. The Offer is available while stock last.

General Terms and Conditions for DBS Credit Card Offers

Unless otherwise specified, the promotion offers published in this webpage ("Offers") are only applicable to the cardholders of DBS Credit Cards, DBS Co-branded Cards and DBS COMPASS VISA (excluding Business Card and Private Label Card) (“Applicable Credit Cards”) issued by DBS Bank (Hong Kong) Limited (the “Bank”) (“Cardholders”).
To enjoy the Offers, Cardholders are required to settle payment with the Applicable Credit Cards.
For Cardholders holding DBS Black American Express^® Card, Offers are applicable to them only at merchants’ outlets (either physical or online) accepting American Express^® Card for payment.
Certain Offers are not valid on public holidays, eves of public holidays, festive days, eves of festive days and black-out days as designated by the merchants. Please contact the respective merchants for details.
Cardholders should confirm the Offers with the respective merchants before payment. Unless otherwise specified, the Offers are only applicable to the respective merchant outlets in Hong Kong.
Unless otherwise specified, the Offers are applicable to regular-priced items only and not applicable to fixed-priced, discounted, consignment, promotional, festive and designated items/services. The Offers cannot be used in conjunction with other promotional offers or discounts, coupons or membership offers.
Advance appointment with mentioning of using the Offers during reservation may be required for specific merchants. Please call the respective merchants for details in advance.
Unless otherwise specified, the Offers related to dining are not applicable to take-away items, set menu, discounted dishes, room services, meetings, private functions, banquets, catering services, happy hours, charge for tea and condiments and 10% service charge.
All products and services are subject to availability while stocks last.
The prices of all products and services published in this webpage are for reference only. No notice will be made should there be any changes.
The Bank is not the supplier of the products/services or the description, photos or reference prices (if any) in relation to the products/services published in this webpage (which are intended to be for reference only). Any enquiry, claim or complaint in relation to the quality or availability of the products/services or the accuracy of any of the aforementioned information contained in this webpage shall be directed to the relevant merchants. The Bank shall assume no liability in respect thereof.
The Bank will not accept any liability for any loss incurred by Cardholders should the respective merchants refuse to provide the Offers.
Besides these terms and conditions, each Offer is subject to specific terms and conditions applicable to it.
A person who is not a party to these terms and conditions may not enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong).
The Bank and the respective merchants may change these terms and conditions and/or modify or terminate the Offers. The Bank’s and the respective merchant’s decision are final.
The English version shall prevail if there is any inconsistency between the English and Chinese versions.