Singapore Airlines x HSBC Exclusive Offer 2025 Terms and Conditions

A. Promotion-Specific Terms and Conditions

Eligibility

This Promotion:
(i)is offered by HSBC Bank (Singapore) Limited (“HSBC“, “we” or “us“);

(ii)is applicable during the following period(s):
1. commencing on 15 August 2025 and ending on 14 September 2025, both dates inclusive (the “Promotional Period 1“);
2. commencing on 15 September 2025 and ending on 14 October 2025, both dates inclusive (the “Promotional Period 2“); and
3. commencing on 15 October 2025 and ending on 14 November 2025, both dates inclusive (the “Promotional Period 3“)
(Collectively, the “Promotional Periods” and each a “Promotional Period“); and

(iii)is applicable to customers who meet all the following criteria during a Promotional Period (collectively referred to as “Eligible Customers” and each, an “Eligible Customer“):
1. 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
2. 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
HSBC reserves the right to determine at our discretion whether:
(i)Eligible Customer(s) have met all the requirements of this Promotion; and

(ii)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.

Promotion Mechanics

To participate in this Promotion, an Eligible Customer must:
(i)Register their interest via the HSBC Credit Card Campaign Registration Form (“E-Form“) using the Gift Code “FLYSQ” within each respective 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“) which they intend to participate in for the purposes of this Promotion. If the Gift Code contains a spelling/typo error, the registration will be void and you will not be eligible for this Promotion;

(ii)Be among the first 300 Eligible Customers (who become a Registered Cardholder during the Promotional Periods) to charge a minimum Qualifying Spend of S$650 (in a single transaction) within a single Promotional Period to their Registered Card(s); and

(iii)register their interest in each respective Promotional Period 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$80 GrabGifts e-Voucher (the “Gift“) for the aforementioned Promotional Period.

Minimum Qualifying Spend	Gift	Gift Code
S$650 (in a single transaction)	S$80 GrabGifts e-Voucher Limited to the first 300 Qualified Cardholders in respect of each Promotional Period. Please refer to Clause 3(ii) above.	FLYSQ

Minimum Qualifying Spend	S$650 (in a single transaction)
Gift	S$80 GrabGifts e‑Voucher Limited to the first 300 Qualified Cardholders in respect of each Promotional Period. Please refer to Clause 3(ii) above.
Gift Code	FLYSQ

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 Gift, 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 Singapore 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 Singapore Airlines booking transactions that are successfully carried out in Singapore dollars and/or in foreign currency to a Registered Card account and/or to the account of a supplementary cardholder of a Registered Cardholder during the Promotional Periods.

Please refer to the table below for a breakdown on eligible category descriptions and corresponding exclusions:

Eligible MCCs	Eligible Booking Channels	Eligible Airline	Exclusions
3075 (Singapore Airlines)	www.singaporeair.com SingaporeAir Mobile App	Singapore Airlines	SIA-operated flights booked via any other channels not stated under “Eligible Booking Channels”. SIA-operated flights booked via online tour agencies such as Agoda, Expedia, Trip.com, etc SIA-operated flights booked via offline tour agencies such as Chan Brothers, EU Holidays, etc

Eligible MCCs	3075 (Singapore Airlines)
Eligible Booking Channels	www.singaporeair.com SingaporeAir Mobile App
Eligible Airline	Singapore Airlines
Exclusions	SIA-operated flights booked via any other channels not stated under “Eligible Booking Channels”. SIA-operated flights booked via online tour agencies such as Agoda, Expedia, Trip.com, etc SIA-operated flights booked via offline tour agencies such as Chan Brothers, EU Holidays, etc

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.

	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 Promotional Period 1 must be posted to the Registered Cardholder’s Card account(s) by 19 September 2025; All Qualifying Spend with transaction dates charged within Promotion Period 2 must be posted to the Registered Cardholder’s Card account(s) by 21 October 2025; All Qualifying Spend with transaction dates charged within Promotional Period 3 must be posted to the Registered Cardholder’s Card account(s) by 21 November 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 the Gift.

Fulfilment

Subject to any unforeseen technical delays, a redemption SMS containing details of the redemption of the Gift will be sent to each Qualified Cardholder’s registered Singapore mobile number in HSBC’s records by 31 October 2025 for Promotional Period 1, 30 November 2025 for Promotional Period 2, and 30 December 2025 for Promotional Period 3.
If there are any issues regarding the non-receipt of the redemption SMS, Qualified Cardholders must contact HSBC by 31 January 2026. In the event of any disputes in relation to the Promotion, HSBC’s decision shall be final.
Each Qualified Spend Customer is limited to a maximum of one (1) Gift in respect of each Promotional Period.
HSBC is not a supplier of the products and/or services provided by the merchant(s) involved in this Promotion and will not accept any liability in relation thereto. There will be no replacement of lost, defaced, damaged or stolen Gift after issuance.
The Gift is a GrabGifts digital voucher issued in the form of a promo code via an SMS. The Qualified Cardholder who has redeemed the promo code for the Gift may use the Gift by accessing the Grab mobile app and selecting which category (i.e. GrabMart, GrabFood, GrabRide or GrabExpress) to apply the Gift. Once the Qualified Cardholder has selected which category to apply the Gift on the Grab mobile app, no changes can be made to switch categories and/or denomination. When using the GrabGifts digital voucher, if the purchase is less than the value of voucher, no refunds of the unutilized portion of the GrabGifts digital voucher will be refunded to the Qualified Cardholder. Likewise, if the purchase when using the GrabGifts digital voucher is above the value of voucher, the cost of the purchase in excess will be borne by the Qualified Cardholder and must be charged to a HSBC Credit Card. The Gift is subject to the terms and conditions governing GrabGifts vouchers.
The Gift is not exchangeable for cash, reward points, credit or kind in all cases, whether in whole or in part. HSBC may, at its discretion, substitute the Gift with an item of equal or similar value without prior notice.
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“.

B. General 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:
(i)reflect changes to our operational costs, business operations, systems and processes, our arrangements with third parties or industry or market conditions or practice;

(ii)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;

(iii)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

(iv)otherwise protect our legitimate interests.

The updates include amendments to but not exclusive to:
1. the Promotional Period;
2. the eligibility criteria for the Promotion;
3. 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.

Singapore Airlines x HSBC Exclusive Offer 2025 (“Promotion”) Terms and Conditions