1. DEFINITIONS
    • 1.1The Rewards Programme ("Programme") is composed of two rewards categories:
      • VIP Rewards means the reward items are available for redemption by HSBC Premier and Signature cardholders only.
      • Smart Rewards means the reward items available for redemption by HSBC cardholders of all other card types.
    • 1.2HSBC reserves the right to cancel, change or substitute any reward at any time with 3 days prior notice.
  2. VALIDITY OF REWARD POINTS
    Reward Points earned from 1 January 2000 onwards are valid for up to three (3) years. The expiry date of Reward Points expiring in a particular year shall be the last day of the anniversary month from the date of issuance of the Card for that particular year. All Reward Points must be redeemed prior to their expiry. The various applicable expiry dates will be shown in your monthly credit card statement and any unused points earned and accumulated will NOT be carried forward upon their expiry. Expired Reward Points cannot be redeemed. Redemption forms must be received by HSBC before expiry of Reward Points. Proof of sending is not proof of receipt of the redemption form.
  3. ELIGIBILITY
    All Personal, Corporate Staff and Company cardholders with accounts in good standing (currently not overdue in payment or exceeded limit) are eligible for this Programme. Corporate cardholders are excluded from this Programme.
  4. REWARD POINTS EARNED IN THE PROGRAMME
    • 4.1All HSBC's MasterCard and Visa credit cardholders will earn one Reward Point in the Programme for every RM1.00 billed to the credit cardholder's primary and/or supplementary card accounts subject to the exclusions listed below. The cardholder will NOT earn Reward Points for the following:
      • Cash Advance
      • Late Payment Charge
      • Finance Charge
      • Annual Fee
      • Service Tax (as determined by the Malaysian Government)
      • Balance Transfer
      • Transactions at petrol stations
    • 4.2The award of one (1) Reward Point for every RM1.00 billed to the cardholder's account is subject to change from time to time as determined by HSBC with 3 days prior notice.
    • 4.3Adjustments will be made to the Reward Points accrued in the cardholder's MasterCard and/or Visa card account if there are any credit(s) or debit(s) posted to a cardholder's account, including those arising from returned goods or services, or from billing disputes. Any disputed transactions/billing will not be accredited with Reward Points.
    • 4.4Reward Points will be awarded based on the amount debited to the cardholder's credit card account in Malaysia Ringgit for all eligible spend, regardless whether the transactions are made in Malaysia or abroad.
    • 4.5HSBC may change the period during which the cardholder must use the Reward Points by giving at least 30 days' notice. The change will take effect from the date stated in such notice.
    • 4.6HSBC reserves the right to change, at any time with 3 days prior notice, the number of Reward Points and where applicable, the number of Reward Points plus Ringgit value ("Fast Track" redemption option) that are required to redeem any of the items in the Programme.
    • 4.7Subject to Clause 10.6 herein, all Reward Points are not transferable to another cardholder's card account.
    • 4.8Reward Points accumulated will be reflected in the cardholder's monthly card statement. Only Reward Points reflected in the card statement can be used for redemption.
    • 4.9HSBC will not be responsible for any delay in the posting of the transactions and/or the accrual of Reward Points during the Programme.
  5. REWARD POINTS REDEMPTION
    • 5.1If any cardholder's MasterCard and/or Visa card account is not in good standing (overdue in payment or exceeded limit), but not cancelled or terminated by HSBC or the cardholder at the time of redeeming Reward Points, the cardholder's participation in the Programme will be cancelled and the Reward Points accrued in the cardholder's account will be forfeited. A cardholder's participation in the Programme will also be cancelled and the accrued Reward Points will be forfeited due to the cardholder's failure to adhere to these terms and conditions and the terms and conditions governing the card account. HSBC reserves the absolute right and discretion whether to effect such cancellation or forfeiture.
    • 5.2When redeeming Reward Points, HSBC will deduct the points from the card account specified by the cardholder in the redemption request form. If there are insufficient points in that card account, HSBC will then deduct the balance points from any other card account held by the cardholders.
    • 5.3Reward Points accumulated in the cardholder's account plus that of the supplementary MasterCard or Visa card account can only be redeemed by the primary cardholder.
    • 5.4Upon redeeming a reward, the cardholder releases HSBC from any and all liability to the cardholder or any guest of the cardholder (including supplementary cardholders) in respect of the redemption or use of such reward in the Programme.
    • 5.5Any dispute and/or complaints regarding the goods or services received as a reward under the Programme shall be settled between the cardholder and the service establishment and/or supplier which supplied the goods or services ("service establishment" and "supplier which supplied the goods or services" shall be collectively referred to herein as "service establishment" or "service establishments"). HSBC will bear no responsibility for resolving such disputes and/or complaints, or for the dispute/ complaint itself.
    • 5.6The Reward Points earned in the Programme have no cash or monetary value and cannot be exchanged for cash.
    • 5.7Information supplied on the redemption of certain rewards may be used by HSBC or the service establishments that provide the rewards for its/their administrative, public relations and marketing purposes.
    • 5.8In the event that the cardholder's choice of goods or services is unavailable, HSBC will replace it with a substitute of equal value. All goods and services are available while stocks last and HSBC reserves the right to withdraw and/or replace such goods or services featured in the catalogue.
    • 5.9Goods accepted by the cardholders are strictly non-returnable and non-exchangeable. In the event there is a manufacturing defect, cardholders must return the said item to the manufacturer or distributor at his own cost, undamaged and in its original packaging for a replacement within 7 working days upon receipt.
    • 5.10There is "NO TRIAL PERIOD" for all reward items.
    • 5.11Subject to Clause 4.5, all redemptions are subject to the accumulation of sufficient Reward Points, receipt of the cardholder's redemption request form and the Bank's final acceptance of such redemption request. Orders will be cancelled automatically in the event of insufficient and/or expired points in all the cardholder's card accounts.
    • 5.12Once a redemption request has been accepted by the Bank, it cannot be reversed, cancelled or changed.
  6. REDEEMING VIP/SMART REWARDS
    • 6.1All rewards are subject to availability and any restrictions that may apply as to where and when the rewards can be redeemed. (Please note that the restrictions may be imposed by HSBC or service establishments.)
    • 6.2Any additional meals, transportation, accommodation, installation charges or other arrangements made in connection with any reward will be the sole responsibility of the cardholder.
    • 6.3In the event that the reward takes the form of a cash voucher, the cardholder can use HSBC's MasterCard or Visa card to pay the difference to the participating service establishment/s should the purchase be in excess of the value noted on the cash voucher. There will be no refund of the unused portion of the value of the cash voucher.
    • 6.4Issuance of a dining, travel or hotel/resort reward voucher does not constitute a reservation with the service establishments. The cardholder is responsible for making all reservations and notifying the participating service establishments of the reward(s) they are going to redeem.
    • 6.5HSBC is not responsible for expired, lost or stolen reward vouchers, tickets or items. Reward vouchers of a service establishment are only valid at participating outlets listed in the Programme.
    • 6.6Redeemed reward vouchers are not exchangeable for other rewards, not refundable, not replaceable and not transferable for cash or credit under any circumstances.
    • 6.7HSBC will NOT (a) replace; or (b) assist a cardholder by placing a hold or a freeze status on any misplaced, lost or stolen reward voucher/s or ticket/s under any circumstances.
    • 6.8For redemption of annual fee waiver, the primary cardholders must submit their redemption at least one month prior to the anniversary month of the card membership. If annual fee has been charged to the cardholder's card account, the redemption of annual fee waiver will only be for the following year.
    • 6.9All rewards offers featured in this catalogue are valid from now until 31 May 2012, while stocks last.
    • 6.10The reward offers featured in the VIP Rewards section of this catalogue are exclusively for HSBC Premier and Signature credit cardholders.
    • 6.11Reward Vouchers, Cash Vouchers and any other vouchers which may be redeemed under this Programme shall be collectively referred to as "the Vouchers".
    • 6.12All Vouchers redeemed under this Programme may be subjected to further Terms and Conditions by the participating service establishments.
  7. DELIVERY
    • 7.1All goods and services supplied will be covered by the manufacturer's or supplier's normal delivery terms of business. Except where the law provides otherwise, HSBC will not be responsible for the quality or suitability of the goods or services or for any delay in delivery.
    • 7.2Delivery of Vouchers or items shall be deemed to be made if presented at the address furnished by the cardholder in his request form; and if sent by post or courier, within four (4) working days after posting or despatch. Claims of non-receipt of Vouchers or items will not be entertained after 2 months from the date of submission of redemption form.
    • 7.3No delivery of Vouchers or items will be made to a P.O. Box address. Delivery of Vouchers and items outside Malaysia will be subjected to the debiting of any additional charges to the cardholder's card account.
    • 7.4Courier charges will be imposed on the cardholder's card account for any re-direction from the original stated delivery address.
    • 7.5Delivery of Vouchers or items will only be made against written acknowledgement of receipt of the Vouchers or items by occupant at the residential address for delivery and where such address is an office address, by any member of the office. Such acknowledgement shall be deemed to be the acknowledgement of the cardholder.
    • 7.6HSBC will make arrangements to deliver the Vouchers and other items to cardholders within 2 to 3 weeks (barring any unforeseen circumstances) after receipt of the cardholder's redemption request form. Proof of sending of the redemption request form is not proof of receipt by HSBC.
  8. VARIATION OF RULES
    • 8.1HSBC reserves the right at its absolute discretion to amend, delete or add to any of these Terms and Conditions from time to time with 3 days prior notice.
    • 8.2HSBC may use any of the following modes to communicate notices in relation to this Programme to the cardholder:
      1. individual notice to the cardholder (whether by written notice or via electronic means) sent to the cardholder's latest address/email address as maintained in the HSBC's records;
      2. press advertisements;
      3. notice in the cardholder's credit card statement(s);
      4. display at its business premises; or
      5. notice on HSBC's internet website(s);
      where such notices shall be deemed to be effective on and from the 4th day after its delivery/publication/ display as per the manner described herein. Save and except notices sent via ordinary mail which will be deemed delivered on the 3rd day after posting, notices sent via other modes as described herein are deemed delivered immediately after posting/publication/display.
    • 8.3HSBC's failure to enforce a particular term and condition does not constitute a waiver of that term and condition by HSBC.
  9. TERMINATION
    • 9.1HSBC can suspend or terminate the Programme at any time with 3 days prior notice. In such a case, HSBC shall give advance written notice to primary cardholders in the manner it deems appropriate.
    • 9.2Termination of the Programme will take effect on the date stated in the notice. The cardholder must use any outstanding points within 30 days of the termination date. All outstanding points will be automatically cancelled upon the expiry of this 30-day period.
  10. GENERAL
    • 10.1HSBC assumes no responsibility for any claims, loss, cost, expense or damages of whatever nature resulting from the redemption of either VIP or Smart Reward Points.
    • 10.2Suspected or actual fraud and/or suspected or actual abuse relating to the accumulation of Reward Points in the Programme may result in forfeiture of accumulated Reward Points as well as cancellation of a cardholder's participation in the Programme.
    • 10.3All questions or disputes regarding eligibility for the Programme or the eligibility of points of accrual will be determined by HSBC at its sole discretion.
    • 10.4If a cardholder cancels all his primary cards from HSBC or if for any reason, HSBC cancels any primary card account, any points accrued to such primary card account(s) and to all supplementary card accounts issued under such primary card account(s) will be cancelled and will not be capable of conversion or redemption.
    • 10.5If an eligible cardholder who has more than one Visa or MasterCard card account with HSBC, voluntarily cancels any such card account and at least one Visa or MasterCard account with HSBC remains, any points accrued in the Programme as a result of charges billed to the cancelled card may at the Bank's sole discretion, be transferred to any remaining Visa or MasterCard account with HSBC in his or her name.
    • 10.6Any props, accessories or equipment featured together with the Rewards in any pictorial herein are for ornamental purposes and shall not form part of the Rewards to be redeemed by the cardholder.

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