DBS Black World Mastercard^® InstaRedeem 20% off on Local Dining Spending Terms and Conditions

1. DBS Black World Mastercard InstaRedeem 20% off on Local Dining Spending” (“Promotion”) is applicable to the principal cardholders (“Cardholders”) of DBS Black World Mastercard (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”). This Promotion is not applicable to those Cardholders who choose to participate in DBS$ Cash Rebate Scheme under the DBS$ Reward Scheme.
2. Promotion period starts from 1 May 2022 to 30 June 2022, both dates inclusive (“Promotion Period”).
3. Before conducting any spending, Cardholders are required to install the DBS Card+ mobile application (“DBS Card+”) and complete the registration and confirmation of the DBS Card+ account and turn on the notification in DBS Card+ More > App & Security Settings > Push Notification > “InstaRedeem” for participating in the Promotion.
4. Cardholders who conduct local dining spending (including online and food delivery platform transaction) during Promotional Period with Applicable Credit Card (“Eligible Spending”) can enjoy the offer of InstaRedeem 20% off, by adopting a conversion rate of DBS$1 to HK$1.25 (“Offer”) through the Red “InstaRedeem” button of DBS Card+ displayed in the Timeline function of after the spending is posted. Definition of the local dining spending is determined by the Bank at its sole discretion. Posted transactions with official payment records which are:
   • Classified as online transaction according to the transaction types as defined by Mastercard HK or a merchant's acquiring bank; and
   • Classified as dining merchant according to the merchant codes as defined by Mastercard HK or a merchant's acquiring.
   For avoidance of doubt, the following types of transactions are not applicable for the calculation of Eligible Transactions in the Promotion:
   • The booking of banquets, private banquets, private parties, food or beverages provided by dining outlets/food counters in hotels/department stores/associations/clubhouses through online and/or local spending and transactions with merchants that are not classified as restaurants;
   • Any transactions that are subject to cancellation, charge-back, return of goods and/or refund;
   • Any autopay, installment, unposted transactions, bill payment transactions or any other means as specified by the Bank from time to time;
   • Payment via eWallet all reloads of e-Wallet (include but not limited to Payme, Apple Pay, Google Pay, Samsung Pay, WeChat Pay and AlipayHK) and Octopus Automatic Add-Value Service;
   • Any other type of transaction as determined by the Bank from time to time.
5. All Eligible Spending will be counted based on the post date of transaction during Promotion Period. And Cardholders should enjoy the Offer through the Red “InstaRedeem” button of DBS Card+ by 31 July 2022, otherwise Offer will be forfeited without prior notice.
6. If a Cardholder would like to set off the spending amount for the Eligible Spending, the Bank will convert the DBS$ into HK$ amount at the rate of DBS$1 to HK$1.25 and credit the amount into the Applicable Credit Card account. Besides fully set off the spending amount, Cardholders can also choose to use DBS$ to set off part of it. Since DBS$ is in integral, after the adjustment of decimal places, Cardholders may not be able to fully set off the amount payable under certain circumstances. For avoidance of doubt, please refer to the calculation in the following examples:

   	Spending amount (A)	DBS$ used (B)	Converted at DBS$1 = HK$1.25 to set off the spending amount (C) (C = B×1.25) (B)	Amount payable after set off (D) (D = A – C)
   Example 1	HK$100	DBS$80	HK$100	HK$0
   Example 2	HK$200	DBS$100	HK$125	HK$75
   Example 3	HK$386	DBS$308	HK$385	HK$1

7. The Offer of this Promotion cannot be enjoyed in conjunction with other “InstaRedeem” promotion offers offered by the Bank and the merchants. If Customer’s spending meets the requirements of other "InstaRedeem" promotion offer at the same time, the Bank has the right to determine which offer to be awarded in respect of that spending. When the spending has already been awarded under the Offer of this Promotion, the same spending cannot be awarded again under other "InstaRedeem" promotions and vice versa. In case of any disputes, the Bank reserves the right of final decision.
8. 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.
9. 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 and when the Offer is issued. 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.
10. 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.
11. The Bank may change these terms and conditions and/or modify or terminate the Promotion. The Bank’s decision is final.
12. The English version shall prevail if there is any inconsistency between the English and Chinese versions.