Terms and Conditions

The DBS Black Card DBS$ Conversion Rates

1.	Principal cardholder (“Cardholder”) of The DBS Black Card (“Card”) shall earn DBS$2 for every HK$250 worth of local Eligible Spending (as defined in clause 3.2 of DBS Credit Card DBS$ Reward Scheme Terms and Conditions) with the Card (except Eligible Spending listed in items 2 to 4).
2.	Cardholders shall earn DBS$3 for every HK$250 worth overseas Eligible Spending with the Card. Overseas Eligible Spending must be incurred overseas and in foreign currency. Hong Kong Dollar and Macau currency transactions shall not fall under the scope of eligible overseas Eligible Spending.
3.	Cardholders shall earn DBS$1 for every HK$250 added to the applicable Octopus card(s) by means of Octopus Automatic Add-Value Service (“AAVS”) (including the application fee and handling fee in respect of the AAVS) with the Card.
4.	Cardholders shall earn DBS$1 for every HK$250 purchase with Card Interest-Free Instalment Loan offered by DBS Bank (Hong Kong) Limited (the “Bank”). For instalment transactions, only posted monthly instalments are counted.
5.	The Bank reserves the right to amend the DBS$ conversion rates applicable to the Card from time to time upon notice.

Note: The above is the spending reward conversion rate applicable to The DBS Black Card. For details and terms and Conditions of the relevant spending reward scheme, please refer to DBS Credit Card DBS$ Reward Scheme at www.dbs.com/hk

"Airport Limousine Service" Terms and Conditions:

1.	From 1 January to 31 December 2012, The DBS Black Card ("Applicable Credit Card") Cardholders ("Cardholders") can enjoy the airport limousine service provided by Vigor Airport Shuttle Services Ltd. (the "Merchant") with a discounted price during the Offer Period.
2.	At least 1 working day advance reservation via phone, email, fax or by visit to the counter of the Merchant located at the Hong Kong International Airport in person is required prior to the appointment date. Reservation is subject to availability. Cardholders must provide their Applicable Credit Card number during reservation and indicate the extra services required (if any). The Merchant will provide a confirmation code for Cardholders' record upon completion of the reservation.
3.	Cardholders are required to present the Applicable Credit Card which used for reservation on the appointment date for verification, otherwise no service will be offered.
4.	Airport limousine service applies to vehicle models of Mercedes-Benz S320 (W140) (can contain 4 guests) and Toyota Alphard (can contain 6 guests) upon Cardholders' selection and is subject to availability. The Merchant reserves the right to replace the vehicle of similar grade when necessary. Luggage handling limit is subject to capacity of luggage compartment of the vehicle. Cardholders can enjoy the discounted price as below: Vehicle Model - Mercedes-Benz S320 (W140) Basic Fee (per ride) - HK$530 Vehicle Model - Toyota Alphard Basic Fee (per ride) - HK$580 Basic fee is for single transfer from Hong Kong International Airport to designated local district or vice versa, and inclusive of driver service tips, luggage handling charges, fuel, tunnel and bridge tolls. An extra HK$200 will be charged for each transfer between 00:00 to 06:00. Each transfer is restricted to one stop only. An extra fee will be charged for each extra stop en-route to destination. Extra fee is subject to the distance from the departure point.
5.	All required fees, including basic fee and surcharge (if any), will be debited to the Applicable Credit Card account immediately upon completion of appointment reservation. No refund is allowed.
6.	Amendment to appointment should be made to the Merchant via phone at least 3 hours before the appointment, and is subject to availability.
7.	Cancellation of appointment should be made to the Merchant via phone at least 3 hours before the appointment, otherwise no refund is allowed. Also, no refund is allowed for no show.
8.	A waiting charge of HK$300 per hour applies for waiting over the time limit (Arrival: 1 hour after flight landed; Departure: 15 minutes after designated pick up time). Waiting for part of an hour is counted as an hour. Waiting charge will be debited to the Applicable Credit Card account within 3 months after the appointment date. If waiting over the time limit without receiving Cardholders' notifications, the appointment will be counted as forfeited and no refund will be made.
9.	Luggage claim of maximum HK$1,000 is provided for luggage loss or damage during the transfer. Cardholders should contact the Merchant directly regarding the compensation. The Bank accepts no liability for the quality of service provided by the Merchant.
10.	For service details and other terms and conditions, Cardholders can contact the Merchant directly.

"Complimentary Magazine/ Newspapers Redemption" Terms and Conditions:

From 1 January to 31 December 2012, The DBS Black Card (“Applicable Credit Card”) Cardholders (“Cardholders”) can enjoy a complimentary magazine or newspapers, valued at HK$15 or below, at designated Page One’s outlets in Hong Kong International Airport restricted-area (the “Offer”).

Cardholders can only enjoy the Offer once a day and are required to present the Applicable Credit Card and the valid boarding pass (which departure date must be same as the date of redemption) at the time of redemption for record purpose, otherwise no offer will be granted. The Offer is limited to redeem one item from magazine and newspapers category each time and Cardholders can choose the Offer at their own choice. If the redeemed item is above HK$15, Cardholder is required to settle the balance at his/her own cost.

Cardholders can redeem the Offer at below Page One’s outlets in Hong Kong International Airport (Terminal 1) restricted area:

-	Shop 6E128, Level 6, Departures, East Hall
-	Shop 6T528, Level 6, Departures, South Concourse
-	Shop 6Z510, Level 6, Departures, Central Concourse
-	Shop 6W509, Level 6, Departures, West Hall

The Offer cannot be used in conjunction with My One Card, My One Children Card, other promotional offers, discounts or coupons.

The Offer cannot be transferred or exchanged for cash, spending credit or other discounts/goods/service.

The Offer is provided by Page One (the “Merchant”). DBS Bank (Hong Kong) Limited (the “Bank”) accepts no liability for the quality of the products and services provided by the Merchant involved. Any complaints should be made to the Merchant directly. The Bank accepts no liability for any loss incurred by the Cardholders should the Merchant refuses to provide the Offer.

The Bank and the Merchant reserve the right to amend these terms and conditions as well as to vary or terminate the Offer without notice.

The Merchant prevails the decision of newspapers and magazines categorization.

In case of any disputes, the decision of the Bank and the Merchant shall be final and binding.

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In the event of discrepancy or inconsistency between the English version of these terms and conditions and the Chinese version, the English version shall prevail

MSIG Travel Insurance Plan Promotion Terms and Conditions:

1.	Promotion period is valid till 31 December 2012.
2.	The Annual Travel Insurance Plan is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval.
3.	DBS Bank (Hong Kong) Limited ("the Bank", which expression includes its successors and assigns) is an insurance agent authorised by MSIG.
4.	The offer is exclusive for The DBS Black Card cardholders and only applicable to the first year premium of Annual Travel Insurance Plan applied via online or DBS MSIG InsureDirect Hotline. Customer must settle the premium with The DBS Black Card to enjoy the offer.
5.	The DBS Black Card cardholders must input the first 6 digits of their DBS Black Card during quotation online in order to enjoy the exclusive discount offer upon successful policy approval.
6.	The offer is non-replaceable, non-refundable, non-transferable and non-returnable.
7.	The offer cannot be used in conjunction with other promotional offers.
8.	The Bank and MSIG reserve the right to amend these terms and conditions as well as to vary or terminate the offer without prior notice. In case of disputes, the decision of the Bank and MSIG shall be final and binding.
9.	The information contained in the application form in related to the Annual Travel Insurance Plan is only extract of plan features, not a policy. Coverage and exclusions of the insurance plan is subject to the policy provisions.

“Agoda 6% off for Worldwide Pre-paid Hotel Room” Promotion Terms and Conditions:

1.	"Agoda 6% off for Worldwide Pre-paid Hotel Room” Promotion is only applicable to the cardholders (“Cardholder”) of The DBS Black Card (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”, which expression shall include its successors and assigns). Cardholders can enjoy 6% off for the standard hotel room rate (“Offer”) by making advance pre-paid hotel room booking via designated Agoda website (www.agoda.com/dbsblackcard) during the period from 1 March 2012 to 31 December 2012 and settle payment with the Applicable Credit Card.
2.	Offer is not applicable to hotel room booking made directly through the Agoda website (www.agoda.com).
3.	Offer is applicable to hotel room booking with stay period on or before 31 January 2013 only.
4.	Offer is applicable to hotel room charges only, the discount is not applicable to local government taxes and service charges.
5.	Offer is only applicable to designated hotels, room types and destinations.
6.	Offer is subject to hotel room availability. Cardholders are required to present their valid Applicable Credit Card upon arrival at hotel.
7.	Offer cannot be used in conjunction with any other discounts or promotional offers.
8.	Offer is subject to other terms. Please refer to the booking conditions on Agoda website (www.agoda.com) for details.
9.	The Offer is provided by Agoda (the “Merchant”). Any enquiry, claim or complaint in relation to the quality or availability of the Offer shall be directed to the Merchant. The Bank shall assume no liability in respect thereof. The Bank accepts no liability for any loss incurred by the Cardholders should the Merchant refuses to provide the Offer.
10.	The Bank and the Merchant reserve the right to amend these terms and conditions as well as to vary or terminate the Offer without notice.
11.	In case of any disputes, the decision of the Bank and the Merchant shall be final and binding.
12.	In the event of discrepancy or inconsistency between the English version of these terms and conditions and the Chinese version, the English version shall prevail.

“Swissôtel Hotels & Resorts” Promotion Terms and Conditions:

1.	“Swissôtel Hotels & Resorts” Promotion is only applicable to the cardholders (“Cardholder”) of The DBS Black Card (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”, which expression shall include its successors and assigns). Cardholders make reservation by calling Hong Kong Toll Free Number 800-90-8276 or visiting designated webpage www.swissotel.com/en/promotions/dbspremium during the period from 1 March 2012 to to 30 December 2012, staying for 2 nights at Best Available rate, quoting Promotion Code “PDBA”, and settle payment with Applicable Credit Card when check out, can enjoy 10% off for accommodation, dining and spa treatment (“Offer”).
2.	Offer is subject to hotel room availability.
3.	Applicable hotels include: Swissôtel The Stamford Singapore, Swissôtel Merchant Court Singapore, Swissôtel Grand Shanghai, Swissôtel Beijing, Swissôtel Foshan Guangdong, Swissôtel Kunshan, Swissôtel Le Concorde Bangkok, Swissôtel Nai Lert Park Bangkok, Swissôtel Nankai Osaka, Swissôtel Kolkata India and Swissôtel Sydney (“Applicable hotels”).
4.	Offer is only applicable for reservation of a consecutive night stay for at least 2 nights at the same Applicable Hotel.
5.	Offer is only applicable at restaurants or spas managed by the Applicable Hotel only.
6.	Rates are subject to local taxes and service charges.
7.	Offer is subject to cancellation policies of Applicable Hotels.
8.	Offer cannot be used in conjunction with any other discounts or promotional offers.
9.	The Offer is provided by Swissôtel Hotels & Resorts (the “Merchant”). Any enquiry, claim or complaint in relation to the quality or availability of the Offer shall be directed to the Merchant. The Bank shall assume no liability in respect thereof. The Bank accepts no liability for any loss incurred by the Cardholders should the Merchant refuses to provide the Offer.
10.	The Bank and the Merchant reserve the right to amend these terms and conditions as well as to vary or terminate the Offer without notice.
11.	In case of any disputes, the decision of the Bank and the Merchant shall be final and binding.
12.	In the event of discrepancy or inconsistency between the English version of these terms and conditions and the Chinese version, the English version shall prevail.

"HK$300,000 Extraordinary Privileges" Promotion Terms and Conditions:

1.	“HK$300,000 Extraordinary Privileges” Promotion (the “Promotion”) is only applicable to the principal cardholders (“Cardholders”) of The DBS Black Card (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”, which expression shall include its successors and assigns).
2.	The Promotion Period is from 1 March 2012 to 31 May 2012. All relevant credit card transactions, based on transaction dates, must be completed during the Promotion Period.
3.	Cardholders must make retail spending ("Eligible Transaction") with Applicable Credit Card. The 40 Cardholders who accumulated highest Eligible Transaction amount (“Winners”) during the Promotion Period are eligible to 1 of the Prizes listed below, Prizes include: 100,000 Asia Miles (1 winner), Anantara Phuket Villas 5D4N Stay for 2 (2 winners), Anantara Bophut Resort & Spa, Koh Samui 4D3N Stay for 2 (2 winners), ELEMENTS HK$5,000 Cash Vouchers (3 winners), Laithwaites Wine Elite Wine Case (6 winners), MIKIMOTO COSMETICS Luxurious Pearl Skincare Hamper (2 winners), Pullman Bangkok King Power Executive Suite 4D3N Stay for 2 (1 winner), Pullman Bangkok King Power Superior Room 4D3N Stay for 2 (1 winner), Samsung GALAXY Note (3 winners), Swissôtel Nankai Osaka, Japan 4D3N Stay for 2 (1 winner), and The Island Shangri-La Hong Kong Dining Voucher HK$5,000 (18 winners), total 40 Prizes.
4.	The Bank will draw the Prizes randomly to the Winners on 5 July 2012 by the computer system. The result will be published on the Bank’s website (www.dbs.com/hk) on 19 July 2012. Winners will receive notification regarding the Prize item and redemption details within 3 weeks after the result was published.
5.	Prizes cannot be transferred nor exchanged for cash or other prizes.
6.	If there is a supplementary card under Cardholder's Applicable Credit Card, the Eligible Transaction amount of the supplementary card will be aggregated with that of the principal card account.
7.	For the purpose of the Promotion, Eligible Transaction refers posted retail spending transactions made with Applicable Credit Card during the Promotion Period. For the avoidance of doubt, the following types of transactions are not Eligible Transaction: Card Interest-Free Instalment Loan transactions, cash advance and its relevant handling/administration fees, casino chips, foreign exchange, finance charges, reversed transactions, late charges, credit card annual fee, Call-a-loan, Balance Transfer, Funds Transfer, Fee Based Instalment, tax payment, all bill payment transactions (including bill payment made through DBS iBanking, any JETCO network ATMs with JET Payment signage, 24-hour Customer Services Hotline of the Bank or other means as provided by the Bank from time to time), transaction that has been subject to cancellation, charge-back, return of goods and/or refund or any other categories as the Bank may at its discretion determine from time to time.
8.	Cardholders must retain the original transaction slip of each Eligible Transaction. In case of any disputes, the Bank reserves the right to require Cardholders to submit the relevant original transaction slips and other documents or evidence for verification. The submitted transaction slips, documents and/or evidence will not be returned.
9.	The Promotion is only applicable to Cardholders whose Applicable Credit Card accounts are determined at the sole discretion of the Bank to be in good standing, remain valid and not in default during the Promotion Period and when the notification is given. The Bank shall have the sole discretion in determining a Cardholder’s entitlement to the Prizes.
10.	Any fraud and/or abuse of the Promotion (as determined by the Bank at its sole discretion) will result in forfeiture of Cardholder’s entitlement to the Prize and/or cancellation of all or part of Cardholder’s account(s) with the Bank. The Bank reserves the right to deduct an amount equivalent to the value of the Prize awarded to Cardholder inappropriately pursuant to any fraud and/or abuse directly from Cardholder’s account(s) held with the Bank without prior notice and/or to take legal action in such instances to recover any such amounts.
11.	Prizes are subject to terms imposed by suppliers. The Bank is not the supplier of the Prizes or the description, photos or reference price (if any) in relation to the Prizes 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 Prizes or the accuracy of any of the aforementioned information contained in our marketing materials shall be directed to the relevant supplier. The Bank shall assume no liability in respect thereof.
12.	The Bank reserves the right to amend these terms and conditions as well as to vary or terminate the Promotion without prior notice. In the event of disputes, the decision of the Bank shall be final and binding.
13.	Should there be any discrepancy or inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.

“Exceptional Travel Privilege” General Terms and Conditions:

1.	“Exceptional Travel Privilege” (“Offers”) are only applicable to the cardholders (“Cardholder”) of The DBS Black Card (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”, which expression shall include its successors and assigns).
2.	Cardholders must settle payment with Applicable Credit Card to enjoy the Offers.
3.	Offers cannot be used in conjunction with other discount, promotional offers or gift vouchers.
4.	Offers cannot be transferred or exchanged for cash, credit limit or other discount/goods/services.
5.	Offers are only available while stock lasts.
6.	The Bank is not the supplier of the products/food/services or the description, photos or reference price (if any) in relation to the products/food/services 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 products/food/services or the accuracy of any of the aforementioned information contained in our marketing materials shall be directed to the relevant supplier. The Bank shall assume no liability in respect thereof.
7.	The Bank will not accept any liability for any loss incurred by the Cardholder should the merchants refuse to provide the Offers.
8.	The Bank and the merchants reserve the right to amend these terms and conditions as well as to vary or terminate the Offers without notice. In case of any disputes, the decision of the Bank and the respective merchants shall be final and binding.
9.	In the event of discrepancy or inconsistency between the English version of these terms and conditions and the Chinese version, the English version shall prevail.

“Double Asia Miles” Terms and Conditions:

1.	Cardholders can earn Double Asia Miles (“Offer”) when they book round-trip Economy Tickets from Hong Kong to Designated Destinations and paid by The DBS Black Card via online (www.cathaypacific.com or www.dragonair.com) or at Cathay Pacific Airways ticketing office (Address: Suite 1808, 18th floor, Tower 6, The Gateway, Harbour City, 9 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong) from 9 March 2012 to 30 April 2012.
2.	Designated Destinations include: China (applicable to Cathay Pacific or Dragonair flights): Beijing, Changsha, Chengdu, Chongqing, Dalian, Fuzhou, Guangzhou, Hangzhou, Kunming, Nanjing, Ningbo, Qingdao, Sanya, Shanghai, Tianjin, Wuhan, Xiamen and Xian. United States: (applicable to Cathay Pacific flights): Chicago, Los Angeles, New York and San Francisco. Europe (applicable to Cathay Pacific flights): Amsterdam, Frankfurt, Milan, Moscow, Paris and Rome.
3.	Offer is applicable to travels commencing and completed between 9 March 2012 and 30 June 2012.
4.	Offer is applicable to Cardholders with registered Asia Miles membership address as “Hong Kong”. Residency is determined by the Cardholders’ preferred mailing address as registered with Asia Miles.
5.	Offer is applicable to travels which originate in Hong Kong. Open-jaw is allowed, but origin and final destination must be Hong Kong.
6.	Offer is applicable to round-trip travel in eligible fare classes Y, B, H, K, M, L and V (Economy Class). Fare classes not listed are not eligible for this Offer.
7.	Cardholders must quote their Asia Miles membership number when making the reservation and at time of check-in.
8.	Bonus Asia Miles will be credited to the Asia Miles account provided by Cardholder during reservation within 6 to 8 weeks after the promotion ends.
9.	Offer is only applicable on Cathay Pacific and Dragonair marketed and operated flights.
10.	Offer is subject to Asia Miles terms and conditions. Please refer to Asia Miles website (www.asiamiles.com) for details.

“Agoda 8% off for Hotel Room in Selected Countries” Terms and Conditions:

1.	Cardholders can enjoy 8% off for the standard hotel room rate (“Offer”) by making advance pre-paid hotel room booking of promoting destinations, including China, Indonesia, Taiwan, Vietnam and United Kingdom, via designated Agoda website (www.agoda.com/dbsblackcardpromo) during the period from 1 March 2012 to 31 May 2012 and settle payment with the Applicable Credit Card.
2.	Offer is not applicable to hotel room booking made directly through the Agoda website (www.agoda.com).
3.	Offer is applicable to hotel room booking with stay period on or before 30 June 2012 only.
4.	Offer is applicable to hotel room charges only, the discount is not applicable to local government taxes and service charges.
5.	Offer is only applicable to designated hotels, room types and destinations.
6.	Offer is subject to hotel room availability. Cardholders are required to present their valid Applicable Credit Card upon arrival at hotel.
7.	Offer is subject to other terms. Please refer to the booking conditions on Agoda website (www.agoda.com) for details.

“Swissôtel Hotels & Resorts 30% off for Executive Club Room” Terms and Conditions:

1.	Cardholders make reservation by calling Hong Kong toll-free number 800-90-8276 or visiting designated webpage www.swissotel.com/en/promotions/dbshk during the period from 1 March 2012 to 15 May 2012, for weekend stay (from Friday to Sunday) at Best Available Rate of Executive Club room at Swissôtel Hotels & Resorts (reservation must be made in 72 hours advance before check-in), quoting Promotion Code “PDB1”, and settle payment with Applicable Credit Card when check out, can enjoy 30% off and Executive Club benefits and services (“Offer”).
2.	Booking period is from 1 March 2012 to 15 May 2012. Stay period is from 1 March 2012 to 31 May 2012.
3.	Participating hotels include: Swissôtel The Stamford Singapore, Swissôtel Merchant Court Singapore, Swissôtel Grand Shanghai, Swissôtel Beijing, Swissôtel Foshan Guangdong, Swissôtel Kunshan, Swissôtel Le Concorde Bangkok, Swissôtel Nai Lert Park Bangkok Swissôtel Nankai Osaka and Swissôtel Kolkata India.
4.	Offer is only valid for weekday stays (only from Monday to Thursday) at Swissôtel Nankai Osaka.
5.	Offer is not valid on black-out days as designated by specific participating hotels. Please call respective merchants for details.
6.	Offer is subject to hotel room availability.
7.	Cardholder must settle payment with Applicable Credit Card when check out.
8.	Rates are subject to local taxes and service charges.
9.	Offer is subject to cancellation policies of participating hotels.

“Online Purchase of MSIG “Annual Travel Insurance Plan” Bonus Reward” Terms and Conditions:

1.	Cardholders online purchase of MSIG “Annual Travel Insurance Plan” during the period from 1 March 2012 to 31 May 2012, can enjoy 30% off for first year premium and HK$50 Coffee Voucher (“Bonus Reward”).
2.	Bonus Reward is subject to MSIG Travel Insurance Plan Promotion Terms and Conditions. Please refer to www.dbs.com/hk/blackcard for details.
3.	HK$50 Coffee Voucher will be mailed to policy holder’s corresponding address within 2 months after the end of promotion.
4.	Cardholder must input the first 6 digits of Applicable Credit Card number on quotation page and settle payment with Applicable Credit Card in order to enjoy Bonus Reward.

"Page One 10% off for Travel Books" Terms and Conditions:

1.	Cardholders purchase of travel books during the period from 1 March 2012 to 31 May 2012 at all Page One outlets in Hong Kong can enjoy 10% off (“Offer”).
2.	Travel books categorization is subject to the merchant’s determination.
3.	The Offer cannot be used in conjunction with My One Card, My One Children Card, other promotional offers, discounts, fixed price items or coupons.

The DBS Black Card Express Flying Rewards Terms and Conditions:

1.	The DBS Black Card Express Flying Rewards (the “Promotion”) is only applicable to principal cardholders (“Cardholders”) of The DBS Black Card (“Applicable Credit Card”) issued by DBS Bank (Hong Kong) Limited (the “Bank”, which expression shall include its successors and assigns) and who have chosen the DBS$ Redemption Scheme under the DBS Credit Card DBS$ Reward Scheme.
2.	The promotion period of the Promotion is from 1 March 2012 to 31 May 2012, both dates inclusive (“Promotion Period”).
3.	During the Promotion Period, Cardholders may apply to purchase units of DBS$, each unit being DBS$48, at HK$180 per unit. There is no limitation on the number of units of DBS$ each Cardholder can purchase during the Promotion Period.
4.	To apply for purchase of units of DBS$, Cardholders must complete and submit a The DBS Black Card Express Flying Rewards application form (“Application Form”), which can be downloaded from the Bank’s website at www.dbs.com/hk/blackcard , and return the completed Application Form to the Bank within the Promotion Period by mail or by fax. Approval of all applications shall be at the sole discretion of the Bank. If any information provided by a Cardholder in the Application Form is inaccurate, the Bank may decline the Cardholder’s application without notice. Once the Application Form is submitted to the Bank, no amendment or cancellation can be made.
5.	If a Cardholder’s application for purchase of units of DBS$ has been approved by the Bank, the Bank will debit the amount payable for the purchase transaction from the Cardholder’s Applicable Credit Card account automatically and credit the DBS$ purchased by the Cardholder to his/her Applicable Credit Card account within 10 working days after approval. Once the purchase transaction has been completed, no refund can be made. If an application is declined by the Bank, where possible, the Bank will issue a notification letter to the Cardholder.
6.	The amount paid for purchase of units of DBS$ shall not be entitled to any spending rewards, including rewards under the DBS Credit Card DBS$ Reward Scheme.
7.	The Bank reserves the right to offer the Promotion only to Cardholders whose card account is determined at the sole discretion of the Bank to be in good standing and remain valid and not in default at all times before the DBS$ purchased is being credited to the Applicable Credit Card account.
8.	Any fraud and/or abuse of the Promotion by any person (as determined by the Bank at its sole discretion) will result in forfeiture of the person's eligibility to participate in the Promotion and/or cancellation of all or part of the person's account(s) with the Bank.
9.	DBS Credit Card DBS$ Reward Scheme Terms and Conditions shall apply to the redemption of DBS$, please visit www.dbs.com/hk for details.
10.	The Bank reserves the right to amend these terms and conditions as well as to vary or terminate the Promotion without notice. In the event of any dispute, decision of the Bank shall be final and binding on Cardholders.
11.	In case of discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Welcome Offer Terms and Conditions:

The welcome offer is only available to applicants who have successfully applied to be the principal cardholder of The DBS Black Card to be issued by DBS Bank (Hong Kong) Limited (“Bank”, which expression shall include its successors and assigns) (“New Card”) by submitting The DBS Black Card Application Form (“Application Form”) to the Bank on or before 30 June 2012 (“Offer Ending Date”) and all supporting documents required by the Bank within one month from the date of application.

You shall indicate your choice of welcome offer on the Application Form. Once such selection has been made, it cannot be changed.

If you have not indicated your choice or you have indicated more than one choice as to what you would like to receive under the welcome offer in the Application Form, you will automatically be assigned the “Up to 32,000 Miles” as your welcome offer.

If you have successfully applied for more than one New Card with the Bank by submitting multiple Application Forms to the Bank, you will only be entitled to ONE welcome offer in respect of all applications submitted before the Offer Ending Date.

Any fraud and/or abuse of the welcome offer (as determined by the Bank at its sole discretion) will result in forfeiture of your entitlement to the welcome offer and/or cancellation of all or part of your account(s) with the Bank. The Bank reserves the right to deduct an amount equivalent to the value of any gift or reward awarded to you inappropriately pursuant to any fraud and/or abuse directly from your account(s) held with the Bank without prior notice and/or to take legal action in such instances to recover any such amounts.

The Bank reserves the right to vary these terms and conditions and/or to change or terminate the welcome offer. In the event of any dispute, decision of the Bank shall be final and binding.

Should there be any discrepancy or inconsistency between the English version of these terms and conditions and the Chinese version, the English version shall prevail.

Terms and Conditions applicable to applicants who have selected "Up to 32,000 Miles" (“Welcome Gift”)

Welcome Gift is only available to applicants who do not currently hold or have not in the 6 months prior to the date of application for the New Card held and/or cancelled any principal The DBS Black Card issued by the Bank.

You will receive a notification letter within 3 months of the New Card issuance date and you are required to follow the instructions on the letter to provide the Asia Miles membership number before the designated date as stated on the letter (please refer to the notification letter for details).

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You must activate the New Card within 2 months of the New Card issuance date ("Spending Period") to be eligible for 500 miles. If you accumulate retail spending and/or cash advance ("Eligible Transaction") reaches the below designated amount within the Spending Period ("Spending Requirement"), you will be eligible to the extra reward as set out in the table below:

Eligible Transaction	Reward	Equivalent DBS$ (calculated base on the Asia Miles Conversion Rate)	Total Reward including the Reward from Card Activation	Equivalent DBS$ (calculated base on the Asia Miles Conversion Rate)
Card Activation	500 Miles	DBS$24	500 Miles	DBS$24
≧ HK$5,000	500 Miles	DBS$24	1,000 Miles	DBS$48
≧HK$10,000	1,000 Miles	DBS$48	1,500 Miles	DBS$72
≧ HK$15,000	1,500 Miles	DBS$72	2,000 Miles	DBS$96

If you are able to meet the above requirements within the Spending Period, reward will be credited within 3 months after the end of Spending Period to the Asia Miles account provided by you. If you do not provide Asia Miles membership number, you will be rewarded with the equivalent DBS$ (calculated base on the Asia Miles conversion rate, that is DBS$48 = 1,000 Asia Miles) for redemption of miles on your own. The DBS$ will be credited within 3 months after the end of Spending Period to your applicable credit card account and shown in the monthly statement.

11.	If you accumulate Eligible Transaction in the amount of HK$20,000 or above within the Spending Period ("Spending Requirement"), you can enjoy DBS$3 for every HK$250 worth of local Eligible Spending (that is in addition of the original DBS$2 for every HK$250 worth of local Eligible Spending, will be rewarded with an extra DBS$1 for every HK$250 worth of local Eligible Spending) during the Spending Period (local Eligible Spending is defined in clause 1 of The DBS Black Card DBS$ Conversion Rates, please refer to www.dbs.com/hk/blackcard for details). The original DBS$2 for every HK$250 worth of local Eligible Spending will be credited to your applicable credit card account after the posting of the relevant local Eligible Spending transaction and shown on the monthly statement. The Bank will automatically deduct the DBS$ originally earned from the local Eligible Spending during the Spending Period from the applicable credit card account within 3 months after the end of the Spending Period and shown on the monthly statement, then recalculate the DBS$ based on DBS$3 for every HK$250 worth of local Eligible Spending and convert the DBS$ into Asia Miles based on the miles conversion rate of every DBS$48 = 1,000 Asia Miles and automatically credit to the Asia Miles account provided by you within 3 months after the end of the Spending Period. The maximum local Eligible Spending limit to enjoy this offer is HK$120,000 (that is convertible to 30,000 miles at maximum). You must reserve all the DBS$ originally earned from the local Eligible Spending conducted during the Spending Period in the applicable credit card account within 3 months after the end of the Spending Period for the Bank to make the deduction. Otherwise, the conversion will be cancelled automatically and no rewards will be awarded to you. If you do not provide the Asia Miles membership number, the local Eligible Spending conducted during the Spending Period will not be automatically converted into Asia Miles. Alternatively, the Bank will credit the extra DBS$1 for every HK$250 worth of local Eligible Spending during the Spending Period to your applicable credit card account within 3 months after the end of the Spending Period and shown on the monthly statement. After the Spending Period, the DBS$ conversion rate will be changed back to DBS$2 for every HK$250 worth of local Eligible Spending and DBS$3 for every HK$250 worth of overseas Eligible Spending.
12.	Only posted Eligible Transactions are to be counted towards fulfilment of the spending requirement (for Eligible Transactions being settled with an instalment loan, only posted monthly instalments shall be counted). The following types of transactions shall not be considered as Eligible Transaction: cash advance handling/administration fees, casino chips, foreign exchange, finance charges, reversed transactions, late charges, credit card annual fee, Call-a-loan, Balance Transfer, Funds Transfer, Fee Based Instalment, tax payment, all other bill payment transactions made via JETCO/Internet/24-hour Customer Services Hotline or other available means, transactions that have been subject to cancellation, charge-back, return of goods and/or refund and any other categories of transactions specified by the Bank from time to time.
13.	The Bank accepts no liability for any loss should you provide incorrect or invalid Asia Miles membership number and/or name.
14.	Fulfilment of the spending requirement shall be calculated based on Eligible Transactions conducted with each New Card successfully applied before the Offer Ending Period. If you have successfully applied for more than one New Card, Eligible Transactions conducted with different New Cards cannot be combined for the purpose of calculating fulfilment of the spending requirement.

	Terms and conditions applicable to applicants who have selected Monthly Flat Rate as low as 0.33% "Call-a-loan" Service ("Call-a-loan"):
15.	The Call-a-loan is only available to applicants who do not currently hold or have not in the 6 months prior to the date of application of the New Card held and/or cancelled any credit card issued by the Bank.
16.	If you have selected the Call-a-loan, you are deemed to have read and accepted the Terms and Conditions of “Call-a-loan” Service as set out in the Application Form and shall be bound by them.
17.	In respect of the account to which the Call-a-loan should be transferred, you must submit to the Bank a copy of a bank statement (except online statement) or the first page of a passbook showing the bank’s name, your name account number. Joint accounts will not be accepted to receive the Call-a-loan. If the Bank does not receive such information, the Bank will not be able to process your application for Call-a-loan.
18.	You hereby authorise the Bank to debit the funds and any applicable fees and charges in relation to the provision of the Call-a-loan from the New Card account before you activate your New Card. If you terminate the New Card for any reason, you shall repay in full any due amount in your applicable credit card account, including the outstanding balance of the Call-a-loan, finance charge (if applicable) and all applicable fees and charges.
	Applicable to Call-a-loan:
19.	The loan amount of each Call-a-loan must be at least HK$5,000, but such amount (plus any interest, fees, charges and any additional loan allowed) must not exceed 80% of the credit limit of the New Card account or HK$100,000 (whichever is lower).
20.	Monthly flat rate of 0.33%, its Annualized Percentage Rate is 6.80%. The Annualized Percentage Rate is calculated according to the guidelines as set out in the Code of Banking Practice. The Bank will charge a handling fee of HK$80 on the approved Call-a-loan, which will be deducted from the New Card account once the approval is granted.
21.	The loan amount will normally be disbursed to your designated Hong Kong dollar bank account opened in Hong Kong within 3 working days after the Call-a-loan is approved, and a Loan Confirmation Letter will be sent to you to confirm the loan.
22.	The Call-a-loan is only applicable to applicants whose credit card accounts are in good standing. If the account status has changed, the Bank reserves the right to terminate the Call-a-loan and charge all outstanding to the applicable credit card account immediately without prior notice.
23.	If you early repay the entire loan, the Bank will charge you in accordance to clause 14 of the Terms and Conditions of “Call-a-Loan” Service all outstanding principal amount of the loan, interest up to the next monthly repayment date and a handling charge. The handling charge is equal to the difference of the following two items: (a) total interest (calculated based on the interest rate on the “Loan Confirmation Letter”) for all instalments you originally applied for and (b) total interest posted to the applicable credit card account.

Terms and Conditions of “Call-a-loan” Service

	Acceptance
1.	Your request for “Call-a-loan” Service (the “Loan”), either in writing, by telephone or through other means as DBS Bank (Hong Kong) Limited (“the Bank”) considers appropriate from time to time, will be deemed to be acceptance of these terms and conditions which shall operate in addition to the applicable credit card terms and conditions which you have previously accepted and agreed.
2.	Loan availability is subject to account status checking, then available credit limit and final acceptance by the Bank at its absolute discretion. Successful applicants will be notified in writing. The Bank is authorised to credit the Loan to your nominated bank account(s).
	Loan Amount
3.	The Bank will set a minimum limit on the Loan amount for each Loan application which will be stated on the marketing materials of the Loan Programme.
4.	The Loan amount for each Loan application must not exceed the maximum limit stated on the marketing materials of the Loan Programme (the “Maximum Loan Limit”).
5.	The Loan amount (together with any additional Loan allowed under paragraph 10 below) must be a multiple of HK$1,000.
6.	The Loan amount is not eligible for DBS$ / cash rebate / COMPASS Dollar or other reward or benefit scheme.
	Interest
7.	Interest on the Loan is charged according to the rate(s) printed on the application form, marketing materials or other notices provided by The Bank from time to time. The interest rate is set at the time when the Loan is drawn and remains unchanged. The interest rate applicable will be shown on the Loan confirmation.
8.	Interest is calculated on a monthly basis. Each installment is equal to the full Loan amount plus the total interest divided by number of installments and will be debited monthly from the relevant credit card account (the “Account”). You shall, on or before each repayment date, pay the Bank the full installment amount. The Bank may apportion the periodic repayments between principal, interest and fees (as applicable) as the Bank shall at its discretion determine.
9.	The monthly installment amount, the interest rate, the amounts of the Loan and the term of the Loan may not be altered after the Loan has been approved. These will be shown in the Loan confirmation issued if the Loan is approved.
10.	The full Loan amount plus interest will be withheld from the available credit of the Account. You can obtain more than one Loan as long as the Loan amount remains within the Maximum Loan Limit under the Loan Programme.
11.	The first installment will be normally debited from the Account on the next business day after Loan drawdown and become due on the next statement due date.
	Charges
12.	No additional finance charge will be applied if you pay the full amount shown on the Account statement on or before the due date. However, if the entire amount stated in any Account statement is not received in full by the payment due date, the usual finance charge for retail transaction will be applied until full payment is credited to the Account. All finance charges will be calculated and accrued on a daily basis.
13.	You shall pay The Bank all applicable fees and charges as stipulated in The Bank’s Fee Schedule (available on request from its branches, Customer Services Hotline and website) or other notices provided by The Bank from time to time.
	Early Repayment
14.	Early repayment is permitted subject to a handling charge and upon written request that should be received by The Bank at least seven days before the proposed date of prepayment. You should first pay all outstanding principal amount of the Loan and interest up to the next monthly repayment date.
	Termination of Loan
15.	The total outstanding Loan and interest will become immediately due and payable upon cancellation of the Account for whatever reason. The handling charge (equal to the handling charge for early repayment) will apply if the termination of the Account is initiated by you.
16.	The Bank reserves the right to foreclose the Loan and debit the entire outstanding amount to the Account if any installments are overdue.
	Amendments
17.	The Bank reserves the right to reject any Loan application and may change these terms and conditions from time to time, where recommended by the Code of Banking Practice, 30 days prior written notice will be given; and reserves the final decision on all matters and disputes.
	Law
18.	These Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administration Region. In case of inconsistencies between the Chinese and English version, the English version of these terms and conditions shall prevail.