A. Promotion-Specific Terms and Conditions
Eligibility
- This Promotion:
- is offered by HSBC Bank (Singapore) Limited (“HSBC“, “we” or “us“);
- is applicable during the following period(s):
- commencing on 1 May 2025 and ending on 31 May 2025, both dates inclusive (the “Promotional Period 1“);
- commencing on 1 June 2025 and ending on 30 June 2025, both dates inclusive (the “Promotional Period 2“); and
- commencing on 1 July 2025 and ending on 31 July 2025, both dates inclusive (the “Promotional Period 3“)
- is applicable to selected customers who meet all the following criteria during the Promotional Period (collectively referred to as “Eligible Customers” and each, an “Eligible Customer“):
- who hold one or more main HSBC Credit Cards (except HSBC US Dollar Cards, HSBC Corporate Cards, and HSBC Debit Cards) issued by HSBC in Singapore (each, a “Card“) as a primary credit cardholder; and
- whose Card account is in good standing with HSBC over the relevant Promotional Period (as determined by HSBC at its discretion) and at the time of fulfillment; and
- who have been notified via email and/or Push Notification sent by HSBC, in respect of this Promotion.
(Collectively, the “Promotional Periods” and each a “Promotional Period“); and
- HSBC reserves the right to determine at our discretion whether:
- Eligible Customer(s) have met all the requirements of this Promotion; and
- Charges made to the Card qualify towards fulfilment of the relevant accumulated minimum Qualifying Spend (as defined below) set for the purposes of this Promotion.
- To participate in this Promotion, an Eligible Customer must:
- Register their interest via the HSBC Credit Card Campaign Registration Form (“E-Form“) using the Gift Code “900” within the Promotional Period (each successfully registered Eligible Customer shall be a “Registered Cardholder” and the Card used by him/her to make the registration will be a “Registered Card“). If the Gift Code contains of a spelling/typo error, the registration will be void and you will not be eligible for this Promotion.
- Be among the first 80 Eligible Customers (who become a Registered Cardholder during the Promotional Periods) to charge a minimum Qualifying Spend of S$15,000 which consists of a minimum of 10 transactions within a single Promotional Period to their Registered Card(s);
- Eligible Customer(s) only need to register their interest once during the Promotional Periods to participate in Promotional Period 1, Promotional Period 2 and Promotional Period 3.
- Each Registered Cardholder who has satisfied the relevant requirements under Clause 3 in respect of a Promotional Period shall be entitled to one (1) S$300 cashback (the “Cashback“).
Minimum Qualifying Spend Gift Gift Code S$15,000
(includes 10 qualifying transactions)S$300 cashback
Limited to the first 80 Qualified Cardholders in respect of each Promotional Period. Please refer to Clause 3b above.900 Minimum Qualifying Spend S$15,000
(includes 10 qualifying transactions)Gift S$300 cashback
Limited to the first 80 Qualified Cardholders in respect of each Promotional Period. Please refer to Clause 3b above.Gift Code 900 A Registered Cardholder who has satisfied all the relevant requirements under Clause 3 shall be referred to as a “Qualified Cardholder“. HSBC shall in its absolute discretion determine if a Registered Cardholder has satisfied the terms and conditions of this Promotion. HSBC’s records relating to this Promotion including any details relating to registration and Qualifying Spend shall be final and binding on all Eligible Customers.
- Registrations in any other format, and/or e-form registrations with incorrect information will be automatically disqualified. An acknowledgement of participation will be displayed on the website after the e-form registration has been submitted. This acknowledgement of participation does not equate to qualification of the Cashback, even if the Qualifying Spend requirement is met.
- By participating in this Promotion, an Eligible Customer consents to the use of his/her personal data (Eligible Customer’s telephone number and email address) by the Bank to contact him/her with updates and offers via SMS and/email relating to this Promotion, in accordance with the Personal Data Protection Act 2012 and our data protection policy.
- For the purposes of Clause 3 and Clause 4:
“Qualifying Spend” shall mean posted retail transactions including Local Retail Transactions, Online Transactions and Overseas Transactions on eligible categories charged to a Registered Card account of a Registered Cardholder and/or to the account of the supplementary cardholder of the relevant Registered Cardholder during the Promotional Period.
“Local Retail Transactions” shall mean retail transactions which are successfully carried out in Singapore dollars and charged to a Registered Card account and/or to the account of the supplementary cardholder of the relevant Registered Cardholder.
“Online Transactions” shall mean all retail transactions successfully charged to a Registered Card account and/or to the account of a supplementary cardholder of a Registered Cardholder made via the internet and processed by the respective merchants/acquirers as an online transaction type through the MasterCard International Incorporated and/or Visa Worldwide networks during the Promotional Period.
“Overseas Transactions” shall mean all overseas transactions successfully carried out outside Singapore and charged in foreign currency to a Registered Card account and/or to the account of a supplementary cardholder of a Registered Cardholder during the Promotional Period.
Please refer to the table below for a breakdown on eligible category descriptions and corresponding exclusions:
Category MCCs Examples Travel Airlines 3000 – 3350, 4511 AirAsia, Air Canada, Air France, British Airways, Cathay Pacific, Etihad Airways, EVA Air, Qantas, Scoot, Singapore Airlines Hotels/Lodging 3501 – 3999, 7011 Accor Live Limitless, Ascott Group, Hilton Hotels & Resorts, Marriott International Tour Agencies 4722 – 4723 Agoda, Booking.com, Expedia, KKday, Klook, Traveloka, Trip.com Cruises 4411 – 4457 Resorts World Cruises, Royal Carribean Car Rental 3351 – 3500, 7512 Avis, Blue SG, GetGo, Hertz Shop Apparel 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5941, 5948 Adidas, ALDO, Calvin Klein, Chanel, Charles & Keith, Cotton On, Crocs, Decathlon, Louis Vuitton, Love Bonito, Lovisa, Lululemon, Mango, Mothercare, Nike, Uniqlo, Zara Watches & Jewellery 5094, 5944 Cartier, Gold Heart, Omega, Rolex, Swarovski, The Hour Glass, Tiffany & Co Department & Duty-Free Stores 5309, 5311, 5262 BHG, Isetan, KrisShop, Marks & Spencer, MUJI, Takashimaya, Shilla Duty Free, Shopee, Lazada Home & Electronics 5045, 5712, 5722, 5732, 5734, 5946 Apple, Best Denki, Canon, Castlery, Challenger, COURTS, DJI, Dyson, Harvey Norman, IKEA Beauty 5977, 5912 Guardian, Innisfree, Kiehls, L’Occitane, Lush, Sephora, The Body Shop, Watsons Specialty Retail 5399, 5942, 5945, 5970, 5992, 5999 Artfriend, Far East Flora, Kinokuniya, Papermarket, Popmart, POPULAR Dine Dairy Products Stores 5451 Island Creamery, KOOKs Creamery, Chocolate Origin Bakeries 5462 Famous Amos, Awfully Chocolate, Bengawan Solo, Bread Talk, Chateraise, Four Leaves Miscellaneous Food Stores 5499 7-11, Cheers, Eu Yan Sang, Nespresso, TWG Caterers 5811 Stamford Catering, Orange Clove Catering, Chilli Manis Catering Eating Places, Restaurants 5812 Din Tai Fung, Paradise Group, Creative Eateries Group, Nandos, Swensens Drinking Places (Alcoholic Beverages) 5813 Brewerkz, Marquee, Zouk, Wine Connection Package Stores, Beer, Wine, Liquor 5921 1855 The Bottle Shop, Bottles & Bottles, Vivino Candy, Nut, Confectionery Stores 5441 Candy Empire, Cocoa Tree, Janice Wong, Venchi, Laderach Restaurants in Hotels 3501 – 3999, 7011 Colony, Asian Market Café, Prego, One-Ninety Restaurant Travel Category Airlines MCCs 3000 – 3350, 4511 Examples AirAsia, Air Canada, Air France, British Airways, Cathay Pacific, Etihad Airways, EVA Air, Qantas, Scoot, Singapore Airlines Category Hotels/Lodging MCCs 3501 – 3999, 7011 Examples Accor Live Limitless, Ascott Group, Hilton Hotels & Resorts, Marriott International Category Tour Agencies MCCs 4722 – 4723 Examples Agoda, Booking.com, Expedia, KKday, Klook, Traveloka, Trip.com Category Cruises MCCs 4411-4457 Examples Resorts World Cruises, Royal Carribean Category Car Rental MCCs 3351 – 3500, 7512 Examples Avis, Blue SG, GetGo, Hertz Shop Category Apparel MCCs 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5941, 5948 Examples Adidas, ALDO, Calvin Klein, Chanel, Charles & Keith, Cotton On, Crocs, Decathlon, Louis Vuitton, Love Bonito, Lovisa, Lululemon, Mango, Mothercare, Nike, Uniqlo, Zara Category Watches & Jewellery MCCs 5094, 5944 Examples Cartier, Gold Heart, Omega, Rolex, Swarovski, The Hour Glass, Tiffany & Co Category Department & Duty-Free Stores MCCs 5309, 5311, 5262 Examples BHG, Isetan, KrisShop, Marks & Spencer, MUJI, Takashimaya, Shilla Duty Free, Shopee, Lazada Category Home & Electronics MCCs 5045, 5712, 5722, 5732, 5734, 5946 Examples Apple, Best Denki, Canon, Castlery, Challenger, COURTS, DJI, Dyson, Harvey Norman, IKEA Category Beauty MCCs 5977, 5912 Examples Guardian, Innisfree, Kiehls, L’Occitane, Lush, Sephora, The Body Shop, Watsons Category Specialty Retail MCCs 5399, 5942, 5945, 5970, 5992, 5999 Examples Artfriend, Far East Flora, Kinokuniya, Papermarket, Popmart, POPULAR Dine Category Dairy Products Stores MCCs 5451 Examples Island Creamery, KOOKs Creamery, Chocolate Origin Category Bakeries MCCs 5462 Examples Famous Amos, Awfully Chocolate, Bengawan Solo, Bread Talk, Chateraise, Four Leaves Category Miscellaneous Food Stores MCCs 5499 Examples 7-11, Cheers, Eu Yan Sang, Nespresso, TWG Category Caterers MCCs 5811 Examples Stamford Catering, Orange Clove Catering, Chilli Manis Catering Category Eating Places, Restaurants MCCs 5812 Examples Din Tai Fung, Paradise Group, Creative Eateries Group, Nandos, Swensens Category Drinking Places (Alcoholic Beverages) MCCs 5813 Examples Brewerkz, Marquee, Zouk, Wine Connection Category Package Stores, Beer, Wine, Liquor MCCs 5921 Examples 1855 The Bottle Shop, Bottles & Bottles, Vivino Category Candy, Nut, Confectionery Stores MCCs 5441 Examples Candy Empire, Cocoa Tree, Janice Wong, Venchi, Laderach Category Restaurants in Hotels MCCs 3501 – 3999, 7011 Examples Colony, Asian Market Café, Prego, One-Ninety Restaurant For the avoidance of doubt, the Eligible Categories are determined by the following Merchant Category Codes (“MCC“). A Merchant Category Code (MCC) is a four-digit number assigned to a merchant/business by the merchant’s acquiring bank. The acquiring bank provides the credit card payment facilities used by the merchant, and it determines and applies (with respect to the account), the MCC which in its view best describes the merchant activity. HSBC does not determine the merchant’s MCC.
“Excluded Transactions” shall mean any of the following (which shall, where applicable, be determined based on the transaction descriptions reflected in HSBC’s system and the merchant category codes from Visa / MasterCard):
- Foreign exchange transactions (including but not limited to Forex.com);
- Donations and payments to charitable, social organisations and religious organisations;
- Quasi-cash transactions (including but not limited to transactions relating to money orders, traveler’s checks, gaming related transactions, lottery tickets and gambling);
- Payments made to financial institutions, securities brokerages or dealers (including but not limited to the trading of securities, investments or crypto-currencies of any kind);
- Payments on money payments/transfers (including but not limited to Paypal, SKR skrill.com, CardUp, SmoovPay, iPayMy);
- Payments to any professional services provider (including but not limited to GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC);
- Top-ups, money transfers or purchase of credits of prepaid cards, stored-value cards or e-wallets (including but not limited to Grab Top-Up, EZ-Link, Transitlink, NETS Flashpay and Youtrip);
- Payments in connection with any government institutions and/or services (including but not limited to court costs, fines, bail and bond payment);
- Payments to educational institutions;
- Any AXS (including AXS Pay+Earn) and ATM transactions;
- Any payments or transactions on Carousell;
- Tax payments;
- Payments for cleaning, maintenance and janitorial services (including property management fees);
- Payments to insurance companies (including but not limited to sales, underwriting, premiums and insurance services);
- Payments on utilities;
- The monthly instalment amounts under the HSBC Spend Instalment and HSBC 0% Card Instalment Plans; In the case of HSBC Spend Instalment, only the total purchase amount will qualify as a Qualifying Spend in the month of purchase.
- Balance transfers, fund transfers, cash advances, finance charges, late charges, HSBC’s Cash Instalment Plan, any fees charged by HSBC;
- Any unposted, cancelled, disputed and refunded transactions,
For the avoidance of doubt, transactions made at merchants with the following MCCs will not be considered as Qualifying Spend. The following list of MCCs may be updated by HSBC from time to time without prior notice.
No. Excluded Merchant Category Code (MCC) Description 1 4829 Money Transfer 2 4900 Utilities – Electric, Gas, Water and Sanitary 3 5199 Nondurable Good 4 5960 Direct Marketing – Insurance Services 5 6010 Financial Institutions – Manual Cash Disbursements 6 6011 Financial Institutions – Automated Cash Disbursements 7 6012 Financial Institutions – Merchandise, Services, and Debt Repayment 8 6050 Quasi Cash – Customer Financial Institution 9 6051 Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment 10 6211 Security Brokers / Dealers 11 6300 Insurance Sales, Underwriting, and Premiums 12 6513 Real Estate Agents & Managers – Rentals 13 6529 Remote Stored Value Load – Member 14 6530 Remote Stored Value Load – Merchant 15 6532 PSP-Member-Payment Transaction 16 6533 PSP-Merchant-Payment Transaction 17 6534 Money Transfer Member 18 6536 Moneysend – Intracountry 19 6537 Moneysend – Intercountry 20 6538 Moneysend Funding 21 6540 Non-Financial Institutions – Stored Value Card Purchase/Load 22 6555 Mastercard Imitated Rebate 23 7299 Other Services-Not Elsewhere Classified 24 7349 Clean/Maint/Janitorial Serv 25 7399 Business Services (Not Elsewhere Classified) 26 7511 Quasi Cash – Truck Stop Trxns 27 7523 Automobile Parking Lots and Garages 28 7801 Government Licensed On-Line Casinos (On-Line Gambling) (US Region only) 29 7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks 30 8062 Hospitals 31 8211 Elementary and Secondary Schools 32 8220 Colleges, Universities, Professional Schools, and Junior Colleges 33 8241 Correspondence Schools 34 8244 Business and Secretarial Schools 35 8249 Vocational and Trade Schools 36 8299 Schools and Educational Services (Not Elsewhere Classified) 37 8398 Charitable Social Service Organizations 38 8651 Political Organizations 39 8661 Religious Organizations 40 8999 Professional Services (Not Elsewhere Classified) 41 9211 Court Costs, Including Alimony and Child Support 42 9222 Fines 43 9223 Bail and Bond Payments 44 9311 Tax Payments 45 9399 Government Services (Not Elsewhere Classified) 46 9402 Postal Services – Government Only 47 9405 Intra-Government Purchases – Government Only 48 9754 Gambling-Horse Racing Dog Racing State Lotteries - All Qualifying Spend with transaction dates charged within the Promotional Period 1 must be posted to the Registered Cardholder’s Card account(s) by 5 June 2025. All Qualifying Spend with transaction dates charged within the Promotional Period 2 must be posted to a Registered Cardholder’s Card account(s) by 5 July 2025. All Qualifying Spend with transaction dates charged within the Promotional Period 3 must be posted to a Registered Cardholder’s Card account(s) by 5 August 2025. HSBC is not responsible for any failure or delay in the transmission or late posting of transactions by any party, including but not limited to any acquiring merchants, merchant establishments or telecommunications provider.
- If any Qualifying Spend is cancelled or reversed during or after the relevant Promotional Period, such cancelled or reversed amount shall not be counted for the purposes of determining whether the Eligible Customer has met the Qualifying Spend requirements under Clause 3.
- If a Registered Cardholder holds more than one Card in his/her name, all Qualifying Spend transactions charged to those Cards will be aggregated together for the purposes of determining whether the Eligible Customer has met the Qualifying Spend requirements under Clause 3.
- Supplementary cardholders are not eligible for this Promotion. However, for each main Eligible Customer who is a Registered Cardholder and has one or more supplementary cards under his/her main Card account, Qualifying Spend made by the supplementary cardholders will be consolidated under such main Registered Card account for the purpose of determining whether the Registered Cardholder has met the Qualifying Spend requirements under Clause 3.
- In the event that a Registered Cardholder’s card is cancelled, terminated or suspended for any reason, or the Registered Cardholder is determined by HSBC not to have fulfilled the conditions of the Promotion, HSBC reserves the right to disqualify such cardholder from receiving any Cashback.
- Each Qualified Cardholder will receive the Cashback in their registered HSBC credit card account by 30 September 2025. If a Qualified Cardholder has more than one registered HSBC credit card, the Cashback will be credited to any active Qualifying Card account as may be determined by HSBC.
- For Qualified Cardholder’s who are eligible for the Cashback, they will receive an SMS notification to their registered mobile number in HSBC’s records by 30 September 2025, barring any unforeseen technical delays. SMS delivery is dependent on the relevant telecommunication service providers. HSBC is not responsible in any manner whatsoever for any non-receipt of, or delay in the receipt of, any SMS by any party.
- Each Qualified Spend Customer is limited to a maximum of one (1) Cashback in respect of each Promotional Period.
- The Promotion is not valid in conjunction with other offers, campaigns, promotions, privileges and vouchers, except for the Mid-Year Lucky Draw Promotion 2025, and/or such other promotions as we may otherwise specify from time to time. In other words, the same customer cannot receive both the Cashback under this Promotion, and any other reward, gift or account credit or promotional rate from other promotions, unless otherwise specified. For the avoidance of doubt, Eligible Customers of this Promotion can participate in both this Promotion and the Mid-Year Lucky Draw Promotion 2025.
- Other general terms and conditions governing this Promotion apply. Please refer to the other terms and conditions set out under the section headed “General Terms and Conditions” for details. The Promotion-Specific Terms and Conditions and the General Terms and Conditions shall collectively be referred to as the “Promotional Terms and Conditions“.
- We may determine in our reasonable discretion whether any given customer is eligible for this Promotion and/or whether such customer has met all the relevant requirements under these Promotional Terms and Conditions.
- All transactions in a currency other than Singapore Dollars (“SGD“) will be notionally converted into SGD, at our prevailing exchange rate, to determine the transaction amount eligibility under this Promotion. The date on which the transaction is booked will be used for the purpose of determining the notional conversion rate into SGD for all transactions in a currency other than SGD. Where we are unable to provide a firm exchange rate quotation, we shall effect the transaction on the basis of a provisional exchange rate which shall be subject to adjustment when the actual exchange rate is ascertained and any resultant difference shall be debited/credited (as the case may be) to the customer through the originating account or any account that customer has with us or by such other means as determined by us. Foreign currency transactions are subject to risk of exchange rate fluctuation and exchange controls may apply to certain currencies from time to time. There may be a gain or loss when customers convert foreign currency. Customers are advised to make independent judgment with respect to any matter contained herein. For the avoidance of doubt, we shall not be liable for any delay in effecting such conversion, instructions or transactions.
- We shall be entitled to a reasonable period of time to process instructions and we may not complete a transaction on the same day of receipt of the customer’s application or instructions. We shall not be liable for any loss or damage resulting from any such delay in effecting instructions or transactions.
- Our records in respect of the Promotion shall be conclusive and binding on you.
- We may revise these Promotional Terms and Conditions (including but not limited to varying the promotional mechanics under this Promotion or the Promotional Period), or withdraw or alter any part of this Promotion at any time, if it is reasonably necessary to:
- reflect changes to our operational costs, business operations, systems and processes, our arrangements with third parties or industry or market conditions or practice;
- give effect to applicable law, rule, regulation or change, requirement, order, notice, recommendation or guidance issued by any regulatory or governmental authority, stock exchange, or body having jurisdiction over us or a court of competent jurisdiction;
- align with standards or expectations on practices relating to banking and financial services, environmental, social and governance, consumer and investor protection, cyber, digital, technology, operational resilience or taxation; or
- otherwise protect our legitimate interests.
The updates include amendments to but not exclusive to:
- the Promotional Period;
- the eligibility criteria for the Promotion;
- the Cashback given;
To the extent reasonably practicable, we’ll give you reasonable notice of any changes to these Promotional Terms and Conditions before such change takes effect. Notification of any such changes may be placed at our branches, published on our website, sent through email or mobile, or via any other method we think is reasonably appropriate.
If you don’t agree with a change, you can cease to participate in this Promotion.
- None and no part of these Promotional Terms and Conditions may be recorded, reproduced, shared, copied, stored or transmitted in any form or by any means, whether electronic, mechanical, photocopying, photographing, recording or otherwise without our prior written consent. These Promotional Terms and Conditions remain our property, and all our rights are reserved.
- These Promotional Terms and Conditions are governed by the laws of Singapore and the parties submit to the non-exclusive jurisdiction of the courts of Singapore.