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Escapade Campaign 2025 (“Promotion”) Terms and Conditions

A. Promotion-Specific Terms and Conditions

Eligibility

  1. This Promotion:
    1. is offered by HSBC Bank (Singapore) Limited (“HSBC“, “we” or “us“);
    2. is applicable from 19 May to 18 July 2025, both dates inclusive (“Promotional Period“)
    3. is applicable to selected 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; and
      3. who have been notified via email and/or Push Notification sent by HSBC, in respect of this Promotion.
  2. HSBC reserves the right to determine at our discretion whether:
    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.

    3. Promotion Mechanics

  3. To participate in this Promotion, a Cardholder must (in no particular order):
    1. Register their interest via the HSBC Credit Card Campaign Registration Form (“E-Form“) using the Gift Code “ESCAPE” 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 and/or Registered Card number 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 950 Registered Cardholders to charge a minimum Qualifying Spend of S$500 equivalent in foreign currency within Promotional Period to their Registered Card(s). For the purposes of calculating eligible Overseas Transactions, transactions made in foreign currencies will be converted into Singapore dollars based on HSBC’s prevailing exchange rate applicable at the time of exchange.
    3. Cardholders only need to register their interest once during the Promotional Period.
  4. 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.
  5. Each Qualified Customer shall be entitled to one (1) S$20 cashback (the “Cashback“) for every Qualifying Spend of S$500 equivalent in foreign currency, up to a maximum of S$100 cashback.
  6. The first 750 Qualified Cardholders who charge a Minimum Qualifying Spend of S$2,500 equivalent in Overseas Transactions within the Promotional Period to their Registered Card(s) shall be entitled to receive a bonus S$100 worth of GrabGifts Voucher (“GrabGifts“)
    Minimum Qualifying Spend Gift Gift Code
    Every Qualifying Spend of S$500 equivalent in foreign currency. S$20 Cashback (capped at S$100)
    Limited to the first 950 Qualified Cardholders in respect of the Promotional Period. Please refer to Clause 4(b) above.    		 ESCAPE
    Bonus Gift – Qualified Cardholders who have charged a Minimum Qualifying Spend of S$2,500 equivalent in Overseas Transactions within the Promotional Period to their Registered Card(s) will receive S$100 worth of GrabGifts Voucher, limited to the first 750 Qualified Cardholders.
    Minimum Qualifying Spend
    Every Qualifying Spend of S$500 equivalent in foreign currency.
    Gift
    S$20 Cashback (capped at S$100)
    Limited to the first 950 Qualified Cardholders in respect of the Promotional Period. Please refer to Clause 4(b) above.
    Gift Code
    ESCAPE
    Bonus Gift – Qualified Cardholders who have charged a Minimum Qualifying Spend of S$2,500 equivalent in Overseas Transactions within the Promotional Period to their Registered Card(s) will receive S$100 worth of GrabGifts Voucher, limited to the first 750 Qualified Cardholders.
  7. 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 and/or GrabGfits, even if the Qualifying Spend requirement is met.
  8. 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.
  9. For the purposes of this Promotion:

    “Qualifying Spend” shall mean posted retail transactions in foreign currency, including 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 Customer (as defined below) during the Promotional Periods.

    “Online Transactions” shall mean all retail transactions successfully charged to a Registered Card account and/or to the account of a supplemental cardholder of a Registered Customer 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 supplemental cardholder of a Registered Customer during the Promotional Period.

    “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.

    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 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
    1. All Qualifying Spend with transaction dates charged within the Promotional Period must be posted to a Registered Cardholder’s Card account(s) by 25 July 2025. HSBC accepts no liability for any late submission of any transaction by merchants for whatever reason.
    2. If any Qualifying Spend is cancelled or reversed during or after the Promotional Period such that the total Qualifying Spend charged to a Registered Card during the Promotional Period falls short of the relevant minimum Qualifying Spend, the relevant Cardholder will not be considered to have met the Qualifying Spend and will not be considered a Qualified Cardholder.
    3. All Qualifying Spend transactions charged to the Cards in the name of the same Cardholder will be aggregated together to qualify for the minimum Qualifying Spend. HSBC is not responsible for any failure or delay in the transmission of Qualifying Spend transactions by any party including but not limited to acquiring merchants, merchant establishments, or any telecommunications provider.
    4. Supplementary cardholders are not eligible for this Promotion. However, for each main Cardholder who is a Registered Cardholder, Qualifying Spend made by supplementary cardholders will be consolidated under such main Cardholder’s Card account for the purpose of accumulating the relevant minimum Qualifying Spend.
  10. In the event that a Registered Card is voluntarily or involuntarily cancelled or terminated or suspended for any reasons whatsoever, or a Qualified Cardholder is determined by HSBC (in its sole discretion) not to have fulfilled the conditions of the Promotion for any reason, HSBC reserves the right to disqualify the Qualified Cardholder at its sole discretion.

    11. Fulfilment

  11. For Qualified Cardholders that are eligible for the Cashback and/or GrabGifts, they will receive an SMS notification to their registered mobile number in HSBC’s records by 31 August 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.
  12. With regards to the Cashback, each Qualified Cardholder will receive the Cashback in their registered HSBC Credit Card account by 31 August 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 the Bank.
  13. With regards to the GrabGifts:
    1. GrabGifts is a digital voucher issued in the form of a promo code via an SMS. The Qualified Spend Customer 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 Spend Customer 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 Spend Customer. 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 Spend ustomer and must be charged to a HSBC Credit Card. The Gift is subject to the terms and conditions governing GrabGifts vouchers.
    2. The GrabGifts 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 GrabGifts with an item of equal or similar value without prior notice.
    3. Use of the GrabGifts is subject to the terms and conditions of the merchant providing the relevant products and/or services; please refer to the respective merchant for details. 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 GrabGifts after issuance.
  14. 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.
  15. 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“.

    16. B. General Terms and Conditions

  16. 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.
  17. 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.
  18. 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.
  19. Our records in respect of the Promotion shall be conclusive and binding on you.
  20. 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:
    1. reflect changes to our operational costs, business operations, systems and processes, our arrangements with third parties or industry or market conditions or practice;
    2. 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;
    3. 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
    4. 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 and/or GrabGifts 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.

  21. 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.
  22. 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.