General
- This promotion is referred to as the HSBC Credit Card Sign-Up Promotion (“Promotion“), and is offered by HSBC Bank (Singapore) Limited (“HSBC“) to Eligible Applicants (as defined below). This promotion is only valid for applications for a primary HSBC Advance Credit Card or HSBC Live+ Credit Card or HSBC Revolution Credit Card or HSBC TravelOne Credit Card (in SGD) Credit Card (each, a “Card“).
- To participate in this Promotion and be eligible for the Gift(s) (as defined below):
- applicants must submit their primary Card application between 10 to 31 October 2024, both dates inclusive, or such other dates as determined by HSBC at its discretion (the “Promotion Period“);
- applicants must, at the time of submitting their primary Card application, provide to HSBC their consent to receive marketing and promotional materials from the HSBC group via mobile messages, emails, post and calls.
Where all the criteria in 2(a) to 2(b) are met, applicants are referred to as “Eligible Applicants“.
- HSBC reserves the right to determine at our discretion whether:
- an Eligible Applicant(s) has met all the requirements of this Promotion; and
- transactions charged by an Eligible Applicant to a Card qualify towards fulfilment of the relevant minimum Qualifying Transaction requirements (as defined below).
- HSBC reserves the right to revise any of these terms and conditions, or withdraw or alter any part of this Promotion at any time without prior notice and/or assuming any liability to any party, and shall not be liable to pay any compensation or enter into any correspondence in connection with the same. In addition, this Promotion shall be limited to the form of channel as determined by HSBC. HSBC reserves the right to change the form of channel as and when it deems fit. For the avoidance of doubt, the form of channel includes without limitation online applications, walk-ins, telesales, roadshows and mortgage applications. HSBC’s records in respect of this Promotion (including any records relating to each Eligible Applicant’s choice of Gift) shall be conclusive and binding on all applicants.
- The Gifts are not exchangeable for cash, rewards points, credit or kind in all cases, whether in whole or in part. HSBC may, at its discretion, substitute the Gift(s) with an item of equal or similar value without prior notice.
- For the purposes of calculating the Qualifying Transactions, the following shall apply:
- transactions made in foreign currencies will be converted into Singapore dollars based on respective card associations’ prevailing exchange rate applicable at the time of exchange. If a Qualifying Transaction is cancelled or reversed after the applicable Qualifying Spend Period is over and the total amount spent during the Qualifying Spend Period falls short of the Qualifying Spend, the Qualified Cardholder will not be considered to have incurred the Qualifying Spend; and
- in the event any application for supplementary Card(s) has been submitted at the same time as the primary Card, Qualifying Transactions made by the primary and supplementary Card(s) can be combined to meet the Qualifying Spend. Where more than one Card is applied for and issued, Qualifying Transactions on each Card will not be aggregated with Qualifying Transactions on other Cards for the purpose of determining whether the Qualifying Spend for this Promotion has been met.
- All information is accurate at the time of publishing or posting online.
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For the purpose of this Promotion:
- “Card Account Opening Date” means the calendar month printed on the letter sent to an Eligible Applicant enclosing his/her Card issued pursuant to this Promotion.
- “Qualifying Transactions” shall mean posted retail purchases (in the case of HSBC Spend Instalment, only the total purchase amount will qualify as a Qualifying Transaction in the month of purchase), and shall exclude the following transactions (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/ vouchers, stored-value cards or ewallets (including but not limited to 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);
- Any AXS and ATM transactions;
- Tax payments (including HSBC Tax Payment Facility);
- 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), excluding payments to HSBC Life;
- Payments to educational institutions;
- Payments to hospitals;
- Payments on utilities (Electric, Gas, Water, and Sanitary);
- The monthly instalment amounts under all card instalment plan (including HSBC 0% Card Instalment Payment Plan, HSBC PayLater Instalment Plan and HSBC Spend Instalment);
- Total purchase amount under HSBC 0% Card Instalment Payment Plan and HSBC PayLater Instalment Plan;
- 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; and
- And such other categories of transactions which HSBC may exclude from time to time.
- For the purposes of determining whether a given transaction is qualified, please note that the business activities of a merchant is determined by the business classification of that merchant outlet which in turn is determined by the merchant/the merchant’s acquiring bank.
- 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.
- For the avoidance of doubt, transactions made at merchants with the following MCCs will be excluded from the 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 - To qualify for the Promotion, an Eligible Applicant must fulfill the conditions set out below (each a “Qualified Cardholder“) to be entitled to: (i) Samsonite ZELTUS 69cm Spinner Exp with built-in scale worth S$680; and (ii) Samsonite Red TOIIS C Spinner 55/20 Exp with personalization kit worth S$320.
- does not hold any existing HSBC Credit Card* and has not cancelled# any HSBC Credit Card within the last 12 months+ prior to the Card Account Opening Date (each a “New Cardholder“);
- applies for a new HSBC Advance Credit Card, HSBC Live+ Credit Card, HSBC Revolution Credit Card or HSBC TravelOne Credit Card via dedicated HSBC website(s);
- has not revoked his/her consent to receive marketing or promotional materials via mobile messages, emails, post and calls from the HSBC group at the time the Gift is credited to the Eligible Applicant; and
- charged a minimum of S$1,000 in Qualifying Transactions within the Qualifying Spend Period.
- Additionally for HSBC TravelOne Credit Card, pay annual fee of S$196.20^ (inclusive of GST).
- Qualified Cardholder will be notified via SMS with the redemption details (including redemption code, period and location) (“SMS“) will be sent to the Qualified Cardholder’s valid mobile phone number (based on HSBC’s records) by the Notification Date (as set out in Clause 15). In the event there is no valid mobile phone number, a redemption letter will be sent to the Qualified Cardholder’s billing address (based on HSBC’s records). Any request for early fulfillment of a Gift will not be granted nor entertained by HSBC.
- Qualified Cardholders will be notified by the Notification Date (as set out in Clause 15), after HSBC determines in its discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
- Any SMS or redemption letter that is lost, misplaced or damaged is strictly non-replaceable. A Gift selected during the application and/or redeemed thereafter is not exchangeable, non-transferable and non-replaceable.
- The Samsonite ZELTUS 69cm Spinner Exp is available in two colours (Wine Red or Latte), and the Samsonite Red TOIIS C Spinner 55/20 Exp is available in two colours (Slate Green or Golden Mustard), all colours are subject to availability at the point of redemption.
- Each Qualified Cardholder is limited to a maximum of one Gift, regardless of the number of Cards applied for. In the event that the Qualifying Cardholder holds more than one approved Card, only the Card with the highest amount in Qualifying Transactions charged to it will be taken into account for the purposes of determining whether such Qualifying Cardholder is eligible to receive the Gift under this Promotion.
- The Qualifying Spend Period / Qualifying Instalment Plan Period and Notification Date(s) as set out below:
Card Account Opening Date Qualifying Spend Period / Qualifying Instalment Plan Period Notification Date 10 – 31 October 2024 1 October – 30 November 2024 By the last week of January 2025 1 – 14 November 2024 1 November – 31 December 2024 By the last week of February 2025 Card Account Opening Date 10 – 31 October 2024 Qualifying Spend Period / Qualifying Instalment Plan Period 1 October – 30 November 2024 Notification Date By the last week of January 2025 Card Account Opening Date 1 – 14 November 2024 Qualifying Spend Period / Qualifying Instalment Plan Period 1 November – 31 December 2024 Notification Date By the last week of February 2025 - Only Card accounts that are maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC in its discretion at the time of fulfillment will be eligible for the Gift. In the event that the Card is voluntarily or involuntarily closed, terminated or suspended for any reasons whatsoever before a Gift is accorded and/or credited to the Qualified Cardholder Cardholder or the Qualified Cardholder voluntarily cancels or terminates the card within 12 months from the card opened date, HSBC reserves the right to forfeit the Gift at its sole discretion.
Mechanics
*In each case with the exception of HSBC Visa Infinite Credit Card and HSBC TravelOne Credit Card. For the avoidance of doubt, if Eligible Customer is new to HSBC TravelOne Credit Card and has not cancelled any HSBC TravelOne Credit Card within the last 12 months, the Eligible Customer is eligible for the Gift.
#In each case, cancellation can be initiated by the Eligible Applicant or HSBC. For the avoidance of doubt, cancellation by HSBC includes (and without limitation) situations in which the Eligible Applicant has been found inactive in terms of usage of any HSBC credit card within last 12 months.
+In each case prior to the approval date of their new Card application under this Promotion.
^For the avoidance of doubt, annual fee is strictly chargeable and cannot be waived. Even if the Eligible Customer does not qualify for the Gift, the annual fee will still be charged and payable.