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 Tertiary Student DBS Live Fresh Card Application Form) (“Application Form”) to the Bank during the period from 2 January 2024 to 2 April 2024 (“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 “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) issued by the Bank. “Existing 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 DBS Live Fresh Card issued by the Bank.
3. Under the Welcome Offer, Customers are entitled to choose any one applicable welcome gift set out below (“Welcome Gift”). Apart from Welcome Gift, New Customers can also enjoy HK$100 Cash Rebate (“Extra Welcome Gift”) and HK$50 InstaRedeem Discount (“Extra InstaRedeem”):
| New Customers | |
|---|---|
| HK$350 InstaRedeem Discount (Not applicable to tertiary student’s applicant) |
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| HK$150 InstaRedeem Discount (Applicable to tertiary student’s applicant only) |
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| HK$50 InstaRedeem Discount |
4. New Customer shall indicate his/her choice of the Welcome Gift on the Application Form. If New Customer has not indicated his/her choice or indicated more than one choice in the Application Form, New Customer will automatically be assigned “HK$350 InstaRedeem Discount / “HK$150 InstaRedeem Discount (applicable to tertiary student’s applicant only)” as his/her Welcome Gift. Once such choice has been made or assigned, it cannot be changed.
5. 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.
6. Customers must download DBS Card+ mobile application (“DBS Card+”), register and activate DBS Card+ account and activate physical New Card within 1 month of the New Card issuance date in order to be eligible to the Welcome Gift and Extra Welcome Gift. For the Customer who has already registered and activated DBS Card+, there is no need to register DBS Card+ again.
7. Spending Requirement:
7.1. New Customers must accumulate retail spending (“Eligible Spending”) of designated amount (as set out in the table below) or completed certain transactions with the New card (“Spending Requirement”) within 3 months of the New Card issuance date (“Spending Period”) in order to be eligible to the Welcome Gift, Extra Welcome Gift and/or Extra InstaRedeem.
| Welcome Gift | Spending Requirement |
|---|---|
| HK$350 InstaRedeem Discount | HK$4,800 |
| HK$150 InstaRedeem Discount | HK$1,800 (Only applicable to New Customers who applied for the New Card via the Tertiary Student Live Fresh Card Application Form) |
| Extra Welcome Gift | Spending Requirement |
| HK$100 Cash Rebate | HK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service; or successfully apply |
| Extra InstaRedeem | Spending Requirement |
| HK$50 InstaRedeem Discount | Successfully activate the physical New Card via DBS Card+ within 2 months from card issuance date |
7.2. Existing Customers must successfully activate the physical New Card via DBS Card+ within two months from card issuance date in order to be eligible to HK$50 InstaRedeem Discount.
8. For the purpose of calculating Spending Requirement, “Eligible Spending” refers to any posted retail transactions (For a purchase under Card Interest-free Instalment Loan of Eligible Spending, only posted monthly instalments in the New Card account shall be counted). For the avoidance of doubt, the following types of transactions shall not be considered as Eligible Spending: fund purchases, cash advances and relevant handling/administration fees, application fee/handling fee and add value of Octopus Automatic Add-Value Service (except for Extra Welcome Gift), casino chips, foreign exchange, finance charges, reversed transactions, late charges, credit card annual fee, “Call-a-loan”, “Balance Transfer”, “Funds Transfer”, “Fee Based Instalment Programme”, monthly instalment amount of “Flexi Shopping Programme”, 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, insurance payment, tax payment, top up of e-Wallets (including but not limited to PayMe, WeChat Pay and Alipay), bill payment transactions (made through DBS iBanking, JET Payment Service, 24-hour Customer Services Hotline, the “Pay and Transfer” function of the mobile application or any other means as specified by the Bank from time to time), fund transfer transactions (made through the “Pay and Transfer” function of the mobile application or any other means as specified by the Bank from time to time), 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.
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 New 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 relevant Welcome Gift, Extra Welcome Gift and/or Extra InstaRedeem will be sent to eligible Customers as follows:
10.1 Terms and conditions applicable to HK$350 InstaRedeem Discount
10.1.1 The Welcome Gift will be awarded to the eligible New Customers via the red InstaRedeem button of DBS Card+ upon completing the spending as described in clause
10.1.3 with the New Card and when the spending displays on Spending page of DBS Card+. Reloads of e-Wallets (e.g. PayMe, WeChat Pay and Alipay), retail transactions paid through e-Wallets and payment via “Pay & Transfer” function of DBS Card+, will not be considered as spending for pushing of the red InstaRedeem button.
10.1.2 In order to receive push notification, eligible New Customers must enable the InstaRedeem push notification of DBS Card+.
10.1.3 InstaRedeem Discount will be pushed to New Customer by sub-dividing into HK$200 and HK$150. HK$200 and HK$150 will be pushed automatically to the eligible New Customer after the eligible New Customer has completed a single retail spending transaction with amount of HK$200 or above, and a single online spending transaction with amount of HK$150 or above respectively. The eligible New Customer can use the InstaRedeem Discount received to set off the amount payable for that transaction via the InstaRedeem function of DBS Card+. If the eligible New Customer fails to complete transactions with the New Card to enjoy the InstaRedeem Discount within 3 months starting from the month of the New Card issuance date, he/she will be deemed to have forfeited the Welcome Gift. 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 8 January 2024. The New Customer downloads DBS Card+, registers and activates DBS Card+ account on 16 January 2024. The New Customer spends with the New Card on the following dates. The table below shows the InstaRedeem Discount awarded to the New Customer under this case:
| Transaction Date | Transaction Amount | “InstaRedeem” Amount Pushed | Remarks |
|---|---|---|---|
| 11 January 2024 | HK$850* | Nil | Has not activated DBS Card+ |
| 23 January 2024 | HK$299* | Nil | The amount for the push is HK$300, transaction amount must be HK$200 or above |
| 25 January 2024 | HK$201* | HK$200 | - |
| 2 February 2024 | HK$500* | Nil | One of the eligible transactions must be Online Spending of HK$150 or above |
| 20 March 2024 | HK$690^ | HK$250 | - |
| Total InstaRedeem Discount awarded: | HK$550 | - |
*Non-online retail spending
^Online retail spending
Remarks: In terms of above example, No InstaRedeem Discount will be pushed for the spending from 8 April 2024 and onwards.
10.2.Terms and conditions applicable to HK$150 InstaRedeem Amount (Only applicable to New Customer who is Tertiary Student)
10.2.1 The Welcome Gift will be awarded to the eligible New Customers via the red InstaRedeem button of DBS Card+ upon completing the spending as described in clause 10.2.3 with the New Card and when the spending displays on Spending page of DBS Card+. Reloads of e-Wallets (e.g. PayMe, WeChat Pay and Alipay), retail transactions paid through e-Wallets and payment via “Pay & Transfer” function of DBS Card+, will not be considered as spending for pushing of the red InstaRedeem button.
10.2.2 In order to receive push notification, eligible New Customers must enable the InstaRedeem push notification of DBS Card+.
10.2.3 InstaRedeem Discountwill be pushed to New Customer by sub-dividing into 3 times of HK$50. HK$50 will be pushed automatically to the eligible New Customer after the eligible New Customer has completed a single retail/online spending transaction with amount of HK$50 or above. The eligible New Customer can use the InstaRedeem Discountreceived to set off the amount payable for that transaction via the InstaRedeem function of DBS Card+. If the eligible New Customer fails to complete transactions with the New Card to enjoy the InstaRedeem Discountwithin 3 months starting from the month of the New Card issuance date, he/she will be deemed to have forfeited the Welcome Gift. The Bank will not make any special arrangements and any forms of compensation.
10.3 Terms and conditions applicable to Extra HK$100 Cash Rebate
10.3.1 New Customers who reload their Octopus via the Octopus Automatic Add-Value Services and the accumulated reloaded amount is HK$1,000 or above or successfully apply for Flexi Shopping Programme (of any amount) with 12 or more monthly instalments with the New Card within the Spending Period are entitled to Extra HK$100 Cash Rebate (“Extra Cash Rebate”). The Extra Cash Rebate will be credited to the New Card account of New Customers within 6 months upon the card issuance date and will be shown on the monthly statement.
10.4 Terms and conditions applicable to HK$50 InstaRedeem Discount for New Customers and Existing Customers:
10.4.1 New and Existing Customers are entitled to get HK$50 InstaRedeem Discount (“HK$50 InstaRedeem”) if they successfully activated the physical New Card via DBS Card+ within 2 month from card issuance date.
10.4.2 The HK$50 InstaRedeem will be awarded to the eligible Customers via the red InstaRedeem button of DBS Card+ upon completing a retail single spending transaction with amount of HK$50 or above with the physical New Card and when the spending displays on Spending page of DBS Card+. Reloads of e-Wallets (e.g. PayMe, WeChat Pay and Alipay), retail transactions paid through e-Wallets and payment via “Pay & Transfer” function of DBS Card+, will not be considered as spending for pushing of the red InstaRedeem button.
10.4.3 In order to receive push notification, eligible Customers must turn on the notification in the menu of DBS Card+ by clicking "More" icon, then choose "App & Security Settings" > "Push Notifications" > turn on InstaRedeem.
10.4.4 The eligible Customer can use the HK$50 InstaRedeem 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 HK$50 InstaRedeem within 3 months starting from the month of the New Card issuance date, he/she will be deemed to have forfeited the Welcome Gift. The Bank will not make any special arrangements and any forms of compensation.
11. The InstaRedeem Discount 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.
12. If New Customer is successfully issued the Welcome Gift, but is not able to meet the Spending Requirement within the Spending Period, the Bank will debit the issued Welcome Gift amount (HK$350 InstaRedeem Discount: debit HK$200, HK$150 or HK$350, as the case may be, or HK$150 InstaRedeem Discount (applicable to tertiary student’s applicant only) : debit HK$50, HK$100 or HK$150, as the case may be) directly from New Customer’s New Card account after the end of the Spending Period without prior notice.
13. If Customer cancels his/her principal New Card mentioned above within 12 months from the date the account is opened, an administration fee equivalent to the face value or reference retail price of the welcome gift at the time of application will be charged to the relevant account without prior notice.
14. Welcome Gift, Extra Welcome Gift and/or Extra InstaRedeem 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, Extra Welcome Gift and/or Extra InstaRedeem is issued. The Bank shall have the sole discretion in determining a Customer’s entitlement to the Welcome Gift, Extra Welcome Gift and/or Extra InstaRedeem.
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. During card application quality inspection, if the Bank finds the supporting documents (including but not limited to the front and back of Hong Kong Identity Card) provided by Customers are damaged, cropped (including Hong Kong Identity Card in both front and back of the see-through window), blurred or glared, regardless the application is approved instantly, the Bank has the right to require Customers to re-upload the relevant intact supporting documents to the Bank, otherwise the New Card would be suspended and Welcome Offer and Extra Reward (if applicable) will not be entitled.
17. The Bank may change these terms and conditions and/or modify or terminate the Welcome Offer. The Bank’s decision is final.
18. The English version shall prevail if there is any inconsistency between the English and Chinese versions.