Exclusive Cashback Campaign Terms and Conditions

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 entire Promotional Period and at the time of fulfillment (as determined by HSBC at its discretion); and
3. who have been notified via eDM and/or Push Notification sent by the Bank, in respect of this promotion (each such customer, a “Cardholder“). This promotion is non‑transferable.

1. Cardholder(s) have met all the requirements of this Promotion; and
2. 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.

“Qualifying Spend” shall mean posted retail transactions (in the case of HSBC Spend Instalment, only the total purchase amount will qualify as a Qualifying Spend in the month of purchase), including Local Retail Transactions, Online Transactions and Overseas Transactions, charged to a Registered Card account (as defined below) and/or to the account of the supplementary cardholder of the relevant Registered Cardholder (as defined below) during the Promotional Period BUT shall exclude the Excluded Transactions.

“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 during the Promotional Period.

“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.

“Excluded Transactions” shall mean any of the following transactions (which shall, where applicable, be determined based on the transaction descriptions reflected in HSBC’s system and the Merchant Category Codes (the “MCC“) 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) other than (tuition fee payments) to the following educational institutions:
• National University of Singapore (NUS);
• Nanyang Technological University (NTU);
• Singapore Management University (SMU);
• Singapore University of Technology and Design (SUTD);
• Singapore Institute of Technology (SIT) and Singapore University of Social Sciences (SUSS);
• Singapore Polytechnic (SP);
• Nanyang Polytechnic (NYP);
• Ngee Ann Polytechnic;
• Republic Polytechnic;
• Temasek Polytechnic;
• Any AXS 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, HSBC Card Instalment Plan and HSBC PayinInstalments
• 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 such other categories of transactions which HSBC may exclude from time to time without notice or giving reasons.

1. Register their interest via the HSBC Credit Card Campaign Registration Form (“E-Form“) using the Gift Code “CASHBACK” within the Promotional Period (each successfully registered Cardholder 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 consists of a spelling/typo error, the registration will be void and you will not be eligible for this Promotion.
2. Be among the first 500 Registered Cardholders to charge a minimum Qualifying Spend of S$1,000 and make a minimum of 10 qualifying transactions within the Promotional Period to their Registered Card(s);
3. Cardholders only need to register their interest once during the Promotional Period.

A Registered Cardholder who has satisfied all the relevant requirements under Clause 4 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 Cardholders.

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 the Bank.

(i) reflect changes to our operational costs, business operations or systems and processes, or our arrangements with third parties;

(ii) give effect to regulatory change, recommendation or guidance, or applicable law;

(iii) reflect changes to industry or market conditions or practice;

(iv) align with standards or expectations including in respect of the banking practices or environmental, social and governance practices; or

(v) otherwise protect our legitimate interests.