1. 23 January to 28 February 2025, both dates inclusive (“Promotion Period 1“); and
2. 1 March to 31 March 2025, both dates inclusive (“Promotion Period 2“), together with Promotional Period 1, the “Promotion Periods” and each a “Promotion Period“)

unless otherwise stated, and is offered by HSBC Bank (Singapore) Limited (“HSBC” or the “Bank“) to selected customers:

3. 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
4. whose Card account is in good standing with HSBC over the entire Promotional Periods and at the time of fulfillment (as determined by HSBC at its discretion); and
5. 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 including Local Retail Transactions, Online Transactions and Overseas Transactions on eligible categories 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.

“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 Customer.

“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.

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

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.

1. Register their interest via the HSBC Credit Card Campaign Registration Form (“E-Form“) using the Gift Code “800” 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 40 Registered Cardholders to charge a minimum Qualifying Spend of S$20,000 and make a minimum of 10 qualifying transactions within a Promotional Period to their Registered Card(s);
3. Cardholders only need to register their interest once during the Promotional Periods to participate in both Promotional Period 1 and Promotional Period 2.

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.

(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.