“DBS COMPASS VISA Card InstaRedeem 8% Off” Terms and Conditions:

1. “DBS COMPASS VISA Card InstaRedeem 8% Off Offer” (“Promotion”) is applicable to the principal cardholders (“Cardholders”) of DBS COMPASS VISA Card (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”), transaction by Internet Account and/or supplementary card is not applicable for this Promotion.
2. Promotion period starts from 29 January 2018 to 31 August 2018, both dates inclusive (“Promotion Period”).
3. To be eligible for the Promotion, Cardholders are required to install the DBS Omni mobile application, complete registration of the DBS Omni account, and turn on notification of “InstaRedeem” in Turn on notification of “InstaRedeem” in DBS Omni > Setting > Push Notification for enjoying the offer.
4. Cardholders who complete a single retail transaction with Applicable Credit Card of HK$50 or above at supermarket, convenience store, online merchant or single retail transaction in foreign currency (“Eligible Spending”, as defined in clause 5 below) can enjoy the offer of InstaRedeem 8% Off by adopting a conversion rate of $1 COMPASS Dollar to HK$1.09 (“Offer”) through the Red “InstaRedeem” button of DBS Omni after the transaction posted , and displayed in the Timeline function of DBS Omni. Cardholders can redeem a maximum of $500 COMPASS Dollar for each Eligible Spending.
5. For the purpose of the Promotion, “Eligible Spending” means any posted supermarket, convenience store, online retail transaction or any posted retail transaction in foreign currency. For the avoidance of doubt, the following types of transactions shall not be regarded as Eligible Spending: reload amount of Octopus Automatic Add-Value Service and/or application fee/handling fee of Octopus Automatic Add-Value Service, monthly payment of “Card Interest-free Instalment Loan”, cash advance and relevant handling/administration fees, Balance Transfer, Flexi Cash, Call-a-loan, Funds Transfer, Fee Based Instalment, COMPASS VISA Flexi Shopping Instalment, tax payment, all bill payment transactions made via Internet/JETCO/24-hour Customer Service Hotline, 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, purchase and/or reload of stored value cards or e-wallet (including but not limited to PayMe, WeChat Pay and Alipay) or any other types of transactions as the Bank may specify from time to time.
6. Definition of supermarket, convenience store, online and/or foreign currency transactions is determined by the Bank at its sole discretion. List of key merchants under supermarket and convenience store can refer to “List of key supermarket and convenience store merchants”.
7. 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 Omni by 10 September 2018, otherwise Offer will be forfeited without prior notice.
8. Since COMPASS Dollar is in integral, if a Cardholder would like to fully set off the amount payable for the Eligible Spending, the Bank will first round down the required COMPASS Dollar to the nearest integer, then convert it into HK$ amount at the rate of $1 COMPASS DOLLAR to HK$1.09. If the converted HK$ 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 COMPASS Dollar for reference:

   	Eligible Spending Amount (A)	Converted at $1 COMPASS Dollar =HK$1.09 A÷1.09	COMPASS Dollar required for fully set off the amount payable (round down to integer) (B)	Converted to HK$ (B) ×1.09	Amount credited into the Applicable Credit Card account* (C)
   Example 1	HK$100.00	$91.74 COMPASS Dollar	$91 COMPASS Dollar	HK$99.19	HK$100
   Example 2	HK$541.90	$497.16 COMPASS Dollar	$497 COMPASS Dollar	HK$541.73	HK$542
   Example 3	HK$156.50	$143.58 COMPASS Dollar	$143 COMPASS Dollar	HK$155.87	HK$156

   *After the adjustment of decimal places, under certain circumstances, Cardholders may not be able to fully set off the amount payable for the Eligible Spending
9. Besides fully set off the amount payable for Eligible Spending, Cardholders can also choose to use 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) in the illustration using COMPASS Dollar for reference:

   	Eligible Spending Amount	COMPASS Dollar used (A)	Converted at $1 COMPASS Dollar =HK$1.09 (A) ×1.09	Spending set off (B)
   Example 1	HK$589.50	$150 COMPASS Dollar	HK$163.50	HK$164
   Example 2	HK$367.80	$200 COMPASS Dollar	HK$218.00	HK$218
   Example 3	HK$400.00	$175 COMPASS Dollar	HK$190.75	HK$191
   Example 4	HK$800.00	$500 COMPASS Dollar	HK$545	HK$545

10. 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.
11. 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).
12. 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.
13. 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.
14. The Bank may change these terms and conditions and/or modify or terminate the Promotion. The Bank’s decision is final.
15. The English version shall prevail if there is any inconsistency between the English and Chinese versions.