DBS Live Fresh Card WELCOME OFFER TERMS & CONDITIONS:

  1. The DBS Live Fresh Card Welcome Offer (“Welcome Offer”) is only available to applicants who have successfully applied to become the principal cardholder of DBS Live Fresh Card issued by DBS Bank (Hong Kong) Limited (the “Bank”) (“New Card”) by submitting the DBS Live Fresh Card Application Form (including but not limited to Tertiary Student DBS Live Fresh Card Application Form) (“Application Form”) to the Bank during the period from 1 April 2021 to 1 July 2021 (“Offer Period”) and all supporting documents required by the Bank within one month from the date of application.
  2. Unless otherwise specified, the Welcome Offer is applicable to both “New Customers” and “Existing Customers” (collectively, the “Customers”). “New Customers” shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS Live Fresh Card) issued by the Bank. “Existing Customers" shall mean applicants who are not New Customers.
  3. Under the Welcome Offer, Customers are entitled to choose any one applicable welcome gift (“Welcome Gift”) set out below:
  4. New Customers Existing Customers
    HK$1,000 or HK$600 Cash Rebate HK$200 all merchants “InstaRedeem” Amount
    HK$1,000 Klook Rewards
    Netflix Basic Plan 12 months Monthly Fee “InstaRedeem” Amount

  5. Customer shall indicate his/her choice of the Welcome Gift on the Application Form. If Customer has not indicated his/her choice or indicated more than one choice in the Application Form, Customer will automatically be assigned “HK$1,000 Klook Rewards” (for New Customer) or “HK$200 all merchants “InstaRedeem” Amount” (for Existing Customer) as his/her Welcome Gift. Once such choice has been made or assigned, it cannot be changed.
  6. Each Customer can enjoy the Welcome Offer once during the Offer Period. For the avoidance of doubt, if Customer has successfully applied for more than one New Card with the Bank by submitting multiple Application Forms to the Bank, he/she will only be entitled to redeem ONE Welcome Gift in respect of all applications submitted during the Offer Period.
  7. Customer must accumulate retail spending (“Eligible Spending”) of designated amount (as set out in the table below) (“Spending Requirement”) within 3 months of the New Card issuance date (“Spending Period”) and fulfil the additional requirement (as set out in the table below) (“Additional Requirement”) in order to be eligible to the Welcome Gift.
      Welcome Gift Spending Requirement Additional Requirement
    New Customers HK$1,000 Cash Rebate HK$8,800 (including at least HK$3,000 online transaction) Download DBS Card+ mobile application (“DBS Card+”), register and activate DBS Card+ account within 1 month of the New Card issuance date
    HK$600 Cash Rebate HK$5,800
    Netflix Basic Plan 12 months Monthly Fee “InstaRedeem” Amount HK$5,800 Download DBS Card+, register and activate DBS Card+ account within 1 month of the New Card issuance date
    HK$1,000 Klook Rewards HK$5,800 Download DBS Card+, register and activate DBS Card+ account within 1 month of the New Card issuance date
    Only applicable to New Customers who applied for the New Card via the Tertiary Student Live Fresh Platinum Application Form HK$1,000 Klook Rewards HK$1,800 Download DBS Card+, register and activate DBS Card+ account within 1 month of the New Card issuance date
    Existing CustomersHK$200 all merchants “InstaRedeem” Amount HK$1,800 Download DBS Card+, register and activate DBS Card+ account within 1 month of the New Card issuance date
  8. Only posted Eligible Spending transactions will be counted towards fulfillment of the Spending Requirement (for Eligible Spending transactions being settled with a Card Interest-free Instalment Loan, only posted monthly instalments will be counted). The following types of transactions shall not be considered as Eligible Spending: cash advance and its relevant handling / administration fees, application fee / handling fee of Octopus Automatic Add-Value Service, Call-a-loan, Funds Transfer Programme, Fee Based Instalment Programme, Flexi-Shopping Programme, tax payment, reloads of e-Wallets (including but not limited to PayMe, WeChat Pay and Alipay), any bill payment transactions, transactions in Hong Kong Dollars at the point of sales (in case of online transactions, the place of registration and / or settlement of the merchant) outside Hong Kong, casino chips, foreign exchange, security purchases, credit card annual fee, finance charges, late charges, reversed transactions, transaction that has been subject to cancellation, charge-back, return of goods and / or refund or any other types of transactions as the Bank may specify from time to time.
  9. Fulfillment of the Spending Requirement shall be calculated based on Eligible Spending conducted with each New Card successfully applied during the Offer Period. If Customer has successfully applied for more than one New Card, Eligible Spending transactions conducted with different New Cards cannot be combined for the purpose of calculating fulfillment of the Spending Requirement. The amount of any Eligible Spending transactions conducted through any supplementary card under the New Card will be aggregated with that of the principal card of the New Card for the purpose of calculating fulfillment of the Spending Requirement.
  10. The Welcome Gift is available while stocks last. The Bank has the right to provide eligible Customer with an alternative gift without further notice.
  11. The relevant Welcome Gift will be credited or sent to eligible Customers as follows:
    1. “HK$1,000 or HK$600 Cash Rebate”
      1. The Welcome Gift will be credited to the eligible Customer’s New Card account within 3 months after the Spending Requirement and the Additional Requirement are met.
    2. “HK$1,000 Klook Rewards”
      1. The Welcome Gift included “HK$600 Klook Gift Card” (“Gift Card”) and “HK$400 Staycation Coupons” (“Coupons”).
      2. The Welcome Gift will be credited to the eligible Customer’s Coupon Book under eShop of the DBS Card+ account in the form of promotion code within 6 weeks after the New Card is activated.
      3. Use of Gift Card and Coupons is subject to terms and conditions imposed by the merchant. For details, please refer to www.klook.com/. For any inquiries, please contact KLOOK customer service at support@klook.com as well.
    3. “Netflix Basic Plan 12 months Monthly Fee “InstaRedeem” Amount”
      1. The Welcome Gift will be awarded to eligible Customer who has subscribed the basic plan from Netflix and pays the monthly fee of HK$63 with the New Card via 12 pushes of the red “InstaRedeem” button, starting from the second calendar month from the Spending Period end date calendar month, once per calendar month, HK$63 each push upon the eligible Customer’s monthly fee is billed and displays on Timeline of DBS Card+. The eligible Customer can use the “InstaRedeem” Amount received to set off the amount payable for monthly fee of that month via the “InstaRedeem” function of DBS Card+.
      2. In order to receive push notification, eligible Customers must enable the “InstaRedeem” push notification of DBS Card+.
      3. If the eligible Customer fails to complete transactions with the New Card to enjoy the entire “InstaRedeem” Amount within 18 months after the New Card was issued, he/she will be deemed to have forfeited the Welcome Gift or part(s) thereof. The Bank will not make any special arrangements and any forms of compensation. For avoidance of doubt, please refer to the below example:
        Assume the New Card of the New Customer is issued on 22 April 2021. The New Customer downloads DBS Card+, registers and activates DBS Card+ account on 28 April 2021. The end date of the Spending Period is 21 July 2021. The end date of enjoying the Welcome Gift (i.e. 18 months after the New Card issuance date) is 21 October 2022. The earliest calendar month for the first push the HK$63 “InstaRedeem” Amount is August 2021. If the “InstaRedeem” Amount is pushed for 12 consecutive months starting from August 2021, the last push is July 2022.
        If the Customer only subscribes the basic plan from Netflix in January 2022 and pays the monthly fee of HK$63 for the first time in the same month, the earliest calendar month for the first push of HK$63 “InstaRedeem” Amount is January 2022. Only 10 pushes can be made until the deadline of enjoying the Welcome Gift and the last push is October 2022.
      4. If the monthly fee of the plan subscribed from Netflix is higher than HK$63, a Customer will only still receive a push of HK$63 “InstaRedeem” Amount per calendar month as described in Clause 10.3.1.
      5. The “InstaRedeem” Amount as a Welcome Offer cannot be enjoyed in conjunction with other “InstaRedeem” promotion offers offered by the Bank and the merchants.  If Customer’s spending meets the award 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 Welcome Offer, 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..
    4. “HK$200 all merchants “InstaRedeem” Amount”
      1. The Welcome Gift will be awarded to the eligible Customers via the red “InstaRedeem” button of DBS Card+ upon completing the Additional Requirement, spending with the New Card of amount as described in Clause 10.4.3 at all merchants and when the spending displays on Timeline of DBS Card+. Reloads of e-Wallets (e.g. PayMe, WeChat Pay and Alipay) and retail transactions paid through e-Wallets will not be considered as spending for pushing of the red “InstaRedeem” button.
      2. In order to receive push notification, eligible Customers must enable the “InstaRedeem” push notification of DBS Card+.
      3. “InstaRedeem” Amount will be sub-divided into 4 times, once per calendar month (starts from the New Card issuance calendar month), HK$50 each time- and pushed automatically to the eligible Customer after the eligible Customer has completed spending transaction with amount of HK$50 or above. The eligible Customer can use the “InstaRedeem” Amount received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+. If the eligible Customer fails to complete transactions with the New Card to enjoy the entire “InstaRedeem” Amount within 4 calendar months starting from the calendar month of the New Card issuance date, he/she will be deemed to have forfeited the Welcome Gift or part(s) thereof. The Bank will not make any special arrangements and any forms of compensation. For avoidance of doubt, please refer to the below example:
        Assume the New Card of the Customer is issued on 21 April 2021. The Customer downloads DBS Card+, registers and activates DBS Card+ account on 25 April 2021. The Customer spends with the New Card on the following dates. The table below shows the “InstaRedeem” Amount awarded to the Customer under this case:
        Transaction Date Transaction Amount “InstaRedeem” Amount Pushed Remarks
        21 April 2021 HK$85.8 Nil Has not fulfilled the Additional Requirement
        26 April 2021 HK$36.3 Nil The amount for the push is HK$50, transaction amount must be HK$50 or above
        27 April 2021 HK$72.60 HK$50 -
        30 April 2021 HK$60.00 HK$50 Push the “InstaRedeem” amount once per calendar month
        8 May 2021 HK$257.50 HK$50 -
        1 September 2021 HK$125.90 Nil Beyond 4 calendar months from the calendar month of New Card issuance date
          Total “InstaRedeem” amount awarded: HK$100  
      4. The “InstaRedeem” amount as a Welcome Offer cannot be enjoyed in conjunction with other “InstaRedeem” promotion offers offered by the Bank and the merchants.  If Customer’s spending meets the award 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 Welcome Offer, 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.
      5. If Customer is successfully issued the “InstaRedeem” amount, but is not able to meet the Spending Requirement within the Spending Period, the Bank will debit the issued “InstaRedeem” amount directly from Customer’s New Card account after the end of the Spending Period without prior notice.
  12. The Bank is not the supplier of the Welcome Gift or the description, photos or reference price (if any) in relation to the Welcome Gift published in our marketing materials (which are intended to be for reference only). Any enquiry, claim or complaint in relation to the quality or availability of the Welcome Gift or the accuracy of any of the aforementioned information contained in the marketing materials shall be directed to the relevant supplier. The Bank shall assume no liability in respect thereof.
  13. Welcome Gift is only available to Customers whose New Card accounts are determined in the sole discretion of the Bank to be in good standing, remain valid and not in default during the relevant Spending Period and when the Welcome Gift is issued. The Bank shall have the sole discretion in determining a Customer’s entitlement to the Welcome Gift.
  14. Customers must keep the original receipt of each Eligible Spending transaction. In case of disputes about the entitlement of Welcome Gift, the Bank reserves the right to require the Customer to present the original receipt of the Eligible Spending transactions for verification. If there is any discrepancy between the Bank’s record and Customer’s receipt, the Bank’s record and determination shall be final and conclusive.
  15. Entitlement to Welcome Offer is subject to there being no abuse/non compliance by the Customer, failing which the Bank will debit the value of the Welcome Offer from the Customer’s account without notice and/or take such action to recover any outstanding amounts.
  16. The Bank may change these terms and conditions and/or modify or terminate the Welcome Offer. The Bank’s decision is final.
  17. The English version shall prevail if there is any inconsistency between the English and Chinese versions.