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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 Tertiary Student DBS Live Fresh Card Application Form) (“Application Form”) to the Bank during the period from 3 January 2023 to 2 April 2023 (“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” only. 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. 

3. Under the Welcome Offer, New Customers are entitled to choose any one applicable welcome gift set out below (“Welcome Gift”) and HK$200 Cash Rebate (“Extra Welcome Gift”):

New Customers
HK$600 “InstaRedeem” Amount
HK$1,000 Klook Rewards

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$600 “InstaRedeem” Amount” as his/her Welcome Gift. Once such choice has been made or assigned, it cannot be changed.

5. Each New Customer can enjoy the Welcome Offer once during the Offer Period. For the avoidance of doubt, if New 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. New Customer must download DBS Card+ mobile application (“DBS Card+”), register and activate DBS Card+ account within 1 month of the New Card issuance date in order to be eligible to the Welcome Gift and Extra Welcome Gift.

7. New Customer 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 and/ or Extra Welcome Gift.

Welcome Gift Spending Requirement
HK$600 “InstaRedeem” Amount HK$4,800
HK$1,000 Klook Rewards HK$4,800
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$200 Cash Rebate Successfully apply 12-month or above Flexi Shopping Programme, no amount requirement

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 advances and relevant handling/administration fees, application fee/handling fee and add value of Octopus Automatic Add-Value Service, 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”, “Flexi-Shopping Programme” (except for Extra Welcome Gift), payment via “Pay & Transfer” function of DBS Card+, 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, reload of e-Wallets (including but not limited to PayMe, WeChat Pay and Alipay), any bill payment transactions made via DBS iBanking/JET Payment Service of JETCO/24-hour Customer Services Hotline 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. Except for HK$600 “InstaRedeem” Amount, the Welcome Gift is available while stocks last. The

11. The relevant Welcome Gift and Extra Welcome Gift will be sent to eligible New Customers as follows:
11.1.“HK$600 “InstaRedeem” Amount”
11.1.1 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 11.1.3 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.
11.1.2 In order to receive push notification, eligible New Customers must enable the “InstaRedeem” push notification of DBS Card+.
11.1.3 “InstaRedeem” Amount will be sub-divided into 2 times of HK$300. HK$300 will be pushed automatically to the eligible New Customer after the eligible New Customer has completed retail single spending transaction with amount of HK$300 or above, and one of the transactions must be single online transaction with amount of HK$300 or above. The eligible New 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 New Customer fails to complete transactions with the New Card to enjoy the entire “InstaRedeem” Amount within 3 months starting from the 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 New Customer is issued on 8 January 2023. The New Customer downloads DBS Card+, registers and activates DBS Card+ account on 16 January 2023. The New Customer spends with the New Card on the following dates. The table below shows the “InstaRedeem” amount awarded to the New Customer under this case:

Transaction Date Transaction Amount “InstaRedeem” Amount Pushed Remarks
11 January 2023 HK$850* Nil Has not activated DBS Card+
23 January 2023 HK$299* Nil The amount for the push is HK$300, transaction amount must be HK$300 or above
25 January 2023 HK$301* HK$300 -
2 February 2023 HK$500* Nil One of the eligible transactions must be Online Spending of HK$300 or above
20 March 2023 HK$690^ HK$300 -
  Total “InstaRedeem” amount awarded: HK$600 -

*Non-online retail spending
^Online retail spending
Remarks: In terms of above example, No “InstaRedeem” amount will be pushed for the spending from 8 April 2023 and onwards.

11.2 “HK$1,000 Klook Rewards”
11.2.1. The Welcome Gift includes one “HK$600 Klook Gift Card” (“Gift Card”) and four “HK$100 Klook Hot Coupon”, including two pieces of HK$100 coupon for ALL products, one piece of HK$100 coupon for Hotel booking and one piece of HK$100 coupon for car rental (“Coupons”).
11.2.2. The Welcome Gift will be credited to the eligible New Customer’s Coupon Book under eShop of the DBS Card+ account in the form of promotion code within 2 months after the calendar month of New Customer fulfilled the Spending Requirement. Below fulfillment schedule for reference:
Calendar month of completing Spending Requirement Fulfillment by
3 to 31 January 2023 By 31 March 2023
1 to 28 February 2023 By 30 April 2023
1 to 31 March 2023 By 31 May 2023
1 to 30 April 2023 By 30 June 2023
1 to 31 May 2023 By 31 July 2023
1 to 30 June 2023 By 31 August 2023
11.2.3. Use of Gift Card and Coupons is subject to terms and conditions imposed by the merchant. For details, please refer to www.klook.com (This is not the Bank's website. The Bank is not responsible or liable for their content or the New Customer’s use of them). For any inquiries, please contact KLOOK customer service at support@klook.com as well.

11.3. “HK$200 Cash Rebate”
11.3.1 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.

12. 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 New 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.

13. 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 ($1,000 Klook Rewards : debit HK$1,000, or HK$600 InstaRedeem Amount: debit HK$600) directly from New Customer’s New Card account after the end of the Spending Period without prior notice.

14. If New 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.

15. Welcome Gift is only available to New 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 New Customer’s entitlement to the Welcome Gift.

16. Welcome Gift and Extra Welcome Gift are only available to New 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 and Extra Welcome Gift are issued. The Bank shall have the sole discretion in determining a New Customer’s entitlement to the Welcome Gift and Extra Welcome Gift.

17. Entitlement to Welcome Offer is subject to there being no abuse/non compliance by the New Customer, failing which the Bank will debit the value of the Welcome Offer from the New Customer’s account without notice and/or take such action to recover any outstanding amounts.

18. The Bank may change these terms and conditions and/or modify or terminate the Welcome Offer. The Bank’s decision is final.

19. The English version shall prevail if there is any inconsistency between the English and Chinese versions.