1. Eligibility

1.1 The HSBC's Rewards Programme ("Programme") is open to all primary Cardholders holding valid accounts of *HSBC credit cards ("HSBC Card") as herein described ("Cardholder"). (*HSBC Cards means any of the HSBC Visa/MasterCard Credit Cards except Corporate credit cards.)

1.2 The validity of all HSBC Cards issued by The Hongkong and Shanghai Banking Corporation Limited, Singapore Branch ("HSBC") shall be determined by HSBC in its sole and absolute discretion.

1.3 Corporate/Company Cardholders are not eligible to participate in the Programme unless otherwise stated.

1.4 For co-brand and affinity Cardholders, participation in the Programme is subject to the terms and conditions of their respective Cardholder agreements.

1.5 If a primary Cardholder voluntarily terminates his HSBC card account or is involuntarily terminated by HSBC, at any time for any reason, both the primary and supplementary cardholders will be disqualified from participating in this Programme. Any unused HSBC Rewards point shall be automatically cancelled and no longer be available for redemption by the Cardholders. These unused HSBC Rewards points shall not be transferable to any other card account of the Cardholder.

1.6 If the supplementary Cardholder is terminated at any time for any reason, the primary Cardholder will not be disqualified from participating in the Programme.

1.7 Notwithstanding any matters stated herein, HSBC shall have the absolute discretion to determine which HSBC Card account shall be eligible to participate in the Programme and shall be entitled to disqualify any HSBC Card account and/or account holder from participating in the Programme without subscribing any reasons thereof.

2. Issuance of Points

2.1 The Cardholder earns one Rewards point ("Point") for every S$1 spent, excluding cash advances, finance charges and adjustments, on the credit card issued by HSBC.

2.2 The Cardholder earns one Rewards point ("Point") for every US$0.60 spent, excluding cash advances, finance charges and adjustments, on the credit card (in US dollar) issued by HSBC.

2.3 Only Cardholders whose credit card accounts are valid and in good standing (as determined by HSBC) will be eligible to use their Points to obtain redemptions under the Programme.

2.4 Points awarded in the first year commencing from the date of issuance of the credit card as stated on the card (the "First Year") shall be redeemable for a period of three years from the date of issuance of the credit card after which these Points will be reduced to zero. Points accumulated in each successive year after the first year shall be valid for a period of three years from the commencement of that year, after which the Points will be reduced to zero.

2.5 Points are not transferable but can be accummulated from primary cardholder's various personal credit cards and supplementary cards (excluding corporate/company cards) issued by HSBC.

2.6 The accumulation and usage of Points shall be specified in the monthly statement of account.

3. Redemption of Points

3.1 All redemptions are subject to the accumulation of sufficient Points and final acceptance by HSBC. Redemptions will be cancelled automatically in the event of insufficient Points.

3.2 Redemptions received under the Programme will be sent to Cardholders via mail in the form of a pressure sealed voucher ("Voucher"). The Voucher will be sent to the Cardholder's mailing address within seven working days.

3.3 Cardholders must present the original Voucher at the merchants' outlets and are required to sign on the Voucher before redemption. Voucher must be presented prior to making payment or quoted when making reservations.

3.4 Cardholders may transfer their Voucher to third parties but must complete the Voucher with their credit card number and signature. This shall be binding as authorisation.

3.5 Once a redemption has been accepted by HSBC, it cannot be cancelled or exchanged by the Cardholder. There will be no replacement of lost, defaced, torn, damaged or stolen Voucher(s).

3.6 All Vouchers issued by HSBC are valid for three months from the date of issue, unless otherwise specified. No extension on the validity of the Voucher will be entertained.

3.7 Voucher is not to be used in conjunction with other VIP/membership privileges, promotions or discounts and cannot be used to purchase gift vouchers of the respective merchants unless otherwise specified. Use of the Voucher will be subject to the terms and conditions of the respective merchants.

3.8 All Vouchers redeemable at dining establishments are valid for dine-in only and must be presented prior to ordering, unless otherwise specified.

3.9 There is no minimum purchase required for the use of the Voucher unless otherwise stated. Any unused value of the Voucher will not be refunded. Multiple Vouchers may be used unless otherwise specified.

3.10 Charges exceeding the value stated on the Voucher should be settled using HSBC credit cards.

3.11 All Vouchers that have been redeemed by the Cardholders are not refundable and not exchangeable for cash, Points or another Rewards item.

3.12 Rewards items featured in this catalogue are valid from 15 April 2012 to 31 March 2013, and are only available while stocks last. Replacement of Rewards items will be solely at the discretion of HSBC and may be made without notice.

3.13 Redemption of Points for cash credit can be used to offset any outstanding payments due or future purchases and cannot be exchanged for cash. The cash credits redeemed through the Programme will be reflected in the credit card account statement and is not to be taken as a payment in reduction of the minimum payment due.

3.14 Redemption of Points to pay the credit card's Annual Fee must be redeemed one month before the Annual Fee is billed or on the actual Annual Fee billing month. Details of the successful redemption will be reflected in the Cardholder's credit card statement.

4. Mileage Programme

4.1 Only Cardholders who are eligible for the Programme are eligible for the Mileage Programme. To participate in the Mileage Programme, Cardholders must first enrol or already be enrolled with a participating airline's frequent flyer programme. They must also complete and return the Mileage Programme Enrolment Form to HSBC.

4.2 An annual fee of S$40 or US$24 (subject to GST) is respectively payable by every primary Cardholder or primary US dollar Cardholder who successfully enrols in the Mileage programme.

4.3 Upon successful enrolment, fees will be automatically debited from the primary Cardholders' account when due annually and are not refundable. Cardholders who wish to utilise their Points towards payment of annual fees must redeem their points one month prior to the payment due date, in accordance with the prevailing conditions for redemption.

4.4 For subsequent years of the Mileage Programme annual enrolment fee, Cardholders who wish to utilise their Points towards payment of annual fees must redeem their Points one month prior to the payment due date, in accordance with the prevailing conditions for redemption. Cancellation of the Mileage programme enrolment must also be done one month prior to the payment annual due date, otherwise fees will be automatically debited from the primary Cardholders' account.

4.5 Only enrolled Cardholders whose credit card accounts are valid and in good standing will be eligible to transfer their Points to a participating airline's frequent flyer programme account.

4.6 Cardholders must transfer in block of 2,500 Points from their account(s) each time a transfer is made to any participating airline's frequent flyer programme.

4.7 Points must be transferred from the Cardholder's account into their own frequent flyer programme account with the participating airlines.

4.8 Once the redemption for mileage has been accepted by HSBC, it cannot be cancelled, reversed back to the Cardholder's credit card or transferred to another participating airline's frequent flyer programme account.

4.9 Points must be transferred to a participating airline's frequent flyer programme account prior to their expiry date as notified by HSBC from time to time.

4.10 HSBC's credit card travel insurance and benefits will not apply to flights taken with award tickets issued under a participating airline's frequent flyer programme.

4.11 Approximately three weeks should be allowed to process the transfer of miles. Strictly no urgent requests for transfers or cancellation will be entertained.

4.12 HSBC is not responsible for any fraudulent or unsuccessful transfer. In the case of an unsuccessful transfer, the Cardholder's Points will be reinstated to his card account.

4.13 Cardholders are subject to and must comply with the terms and conditions of the frequent flyer programme(s) of the participating airline(s) in which they are enrolled.

4.14 All questions or disputes regarding eligibility for enrolment in the Mileage Programme or transferring Points under the Mileage Programme will be decided by HSBC at its sole discretion.

4.15 A participating airline may change its programme terms and conditions including regulations, policies, benefits, conditions of participating or mileage levels, in whole or in part at any time with or without notice, even though such changes may affect the value of the mileage already accumulated.

4.16 Should the participation of any airline in the Mileage Programme be terminated for any reason whatsoever, Cardholders who have not successfully transferred their Points to the participating airline's frequent flyer programme account may use their Points to redeem other items extended by HSBC under its Programme, subject to prevailing terms and conditions of the said programme.

5. Rewards points top-up

5.1 Rewards points top-up must be redeemed in blocks of 1,000 points at S$8 per block.

5.2 Redemption of Rewards points top-up must be done via our customer service hotline:
- 1800-HSBC NOW (4722 669) for all cardholders
- 1800-227 8889 for Premier MasterCard cardholders.

5.3 Independent purchase of the Rewards points is not allowed. Cardholders are required to redeem their Rewards redemption item/s with the Rewards points top-up option concurrently.

5.4 Redemption of Rewards points top-up cannot be used for redemption of air miles.

6. General Conditions

6.1 HSBC is not a supplier of the Rewards items redeemed with the Vouchers and will not accept any liability in relation thereto.

6.2 HSBC shall not be responsible for injury, pain, loss or damages suffered by any Cardholder in connection with any of the Rewards items redeemed through the Programme or the participating airline(s) frequent flyer programme(s).

6.3 Fraud and abuse relating to the earning of Points or redemptions may result in the forfeiture of accrued Points as well as the cancellation of the Cardholder's credit cards.

6.4 Cardholders, who redeem any of the Rewards item featured in this catalogue, are customers of the vendor and shall direct any queries or complaints pertaining to such Rewards items to the vendors. HSBC shall not in any way be responsible for dealing with such queries or complaints.

6.5 Without prejudice to any of the bank's rights and remedies, HSBC is entitled, at any time, in its absolute discretion and without giving any reason or notice, to terminate the programme or withdraw, cancel or invalidate any Rewards items and/or HSBC Rewards points already issued.

6.6 HSBC is not liable if it is unable to perform its obligations under these terms and conditions, due directly or indirectly to the failure of any machine or communication system, industrial dispute, war, Act of God, or anything outside the control of the bank or its servants or agents. HSBC shall not be responsible for any delay in the transmission to the bank of evidence of retail purchases by the participating merchants or any other third party.

6.7 HSBC reserves the right to vary, delete or add to any of these terms and conditions and the Points required for redemption at any time at its discretion without notice. For the latest details and information, visit www.hsbc.com.sg.

6.8 HSBC's decision on all matters relating to the Programme is final and binding on the Cardholder.

6.9 All information is accurate at the time of printing or posting online.