(A) Promotion-Specific Terms and Conditions
- This Promotion:
- is offered by HSBC Bank (Singapore) Limited (“HSBC“, “we” or “us“);
- commences on 15 May 2025 and ends on 15 August 2025 (subject to the terms of this Promotion, including Clause 14 of Section A below) or such other date(s) as we may reasonably determine (the “Promotional Period“); and
- is applicable to our existing customers who meet all the following criteria during the Promotional Period (collectively referred to as “Eligible Customers” and each, an “Eligible Customer“):
- who hold a personal HSBC Current or Savings Account (the “Account“);
- 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;
- whose Account and Card 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
- who received an email or SMS communication from us with the specified promotion code (the “Registration Code“) to access the promotion website.
- To participate in this Promotion, an Eligible Customer must, subject to Clause 9, successfully register for the Promotion by sending an SMS with the relevant information in the following format to 74722 within the Promotional Period:
- APP20K<space>Last 4 alphanumeric characters of their ID number (NRIC/Passport/FIN)
- (e.g. APP20K 123A or APP20K 1234)
Registrations that are not made using SMS, and registrations with incorrect information will be automatically disqualified.
In addition, the Eligible Customer must carry out one or more of the following via the HSBC Singapore App within the Promotional Period:
- Successfully register for the HSBC Singapore App for the first time, log in and turn on Push Notifications (only applicable for customers who were not registered for the HSBC Singapore App as at 30 April 2025)
- Successfully register for PayNow and link their Account to their PayNow ID (either mobile number or NRIC)
- Successfully do a new placement for a Time Deposit (“TMD“)
- Successfully open an investment account digitally
- Successfully take up a Balance Transfer
- Successfully take up a Spend Instalment Plan
- Successfully complete 3 outward PayNow or third-party local transfers with a minimum amount of S$30 for each transfer
- Successfully complete a merchant bill payment with a minimum amount of S$50 for each transfer
- Successfully complete an international transfer via HSBC Global Money Transfer with a minimum amount of S$5,000
All transactions must be done using the Eligible Customer’s Card or Account to be eligible. Transactions done on joint accounts or supplementary cards will be excluded from this Promotion.
- Every Eligible Customer who participates in this Promotion agrees that we and our service providers may collect, use and disclose your information (including personal data), as provided in the SMS registration message sent by the Customer, for the following purposes in accordance with the Personal Data Protection Act 2012 and our data protection policy:
- To administer this Promotion, including to contact you for the administration of prizes in relation to this Promotion.
- To disclose and/or publish your name, particulars, and pictures/photographs for publicity purposes.
- Each Eligible Customer that meets the criteria specified in Clause 2 and 15, shall be referred to as a “Qualified Customer” and will be allowed to participate in a lucky draw wherein each Qualified Customer will be allocated a set number of chances or “spins” to win prizes (each, a “Spin“). In this regard, each Qualified Customer will be allocated the following Spins to participate in the lucky draw.
Qualified Customer meets the criteria specified under the following clause Number of Spins allocated to Qualified Customer (maximum of 1 Spin awarded per transaction type) Clause 2i 1 Spin Clause 2ii 1 Clause 2iii 1 Clause 2iv 1 Clause 2v 1 Clause 2vi 1 Clause 2vii 1 Clause 2viii 1 Clause 2ix 1 -
The maximum number of Spins will be capped at 3 for each Qualified Customer, regardless of the number of criteria (as set out in Clause 2(i) – (ix) above) met during the Promotional Period.
For the avoidance of doubt, an Eligible Customer that meets more than one criterion under Clause 2 will be allocated an aggregate number of Spins based on the number of criteria met. By way of illustration:
Scenario Spins allocated to Customer Customer registers using via SMS and registers for PayNow 1 Spin Customer registers using via SMS, sets up the app for the first time and enables Push Notification and opens an investment account 2 Spins + S$10 cashback Customer registers using via SMS, completes a bill payment of more than S$50, places a new Time Deposit and takes up a Spend Instalment Plan. 3 Spins Customer registers for Promotion via SMS and completes 2 merchant bill payments of more than S$50 each 1 Spin Customer did not register using via SMS, completes a bill payment of more than S$50, places a new Time Deposit and takes up a Spend Instalment Plan. 0 Spin - The first 100 Qualified Customers that satisfy the requirements under Clause 2(i) shall be entitled to one (1) S$10 cash credit (“Gift“) and 1 Spin, in each case. The Gift is limited to the first 100 redemptions.
- For the purposes of Clause 2iii, withdrawals of any TMD shall be made only upon maturity. Premature withdrawal of any TMD, if allowed, shall be at HSBC’s discretion and on such terms as we may impose, including but not limited to the levying of premature withdrawal charges. We shall have no obligation but may, at our discretion, pay interest on TMDs prematurely withdrawn for such time periods and at such rates as we may determine, less such charges as it may impose. Upon maturity of the TMD placement(s), the principal and interest amounts of the SGD TMD will be renewed at HSBC’s prevailing time deposit board rate for the like tenor, unless other maturity instructions are provided by the account holder.
- In the event that any TMD placements, Spend Instalment Plans or Balance Transfers performed by an Eligible Customer are for any reason whatsoever not successfully effected, or are cancelled or rejected within the applicable free-look or cooling period (if any) or within the Promotional Period (whichever is later), such TMD placement, Spend Instalment Plan or Balance Transfer performed by the Eligible Customer would not be taken into consideration for the purposes of determining whether the Eligible Customer has met the criteria under Clause 2.
- Eligible Customers only need to register their interest once during the Promotional Period. An acknowledgement of participation will be sent to each Eligible Customer via SMS after they have registered for this Promotion in accordance with Clause 2. This acknowledgement of participation is not an indication of whether an Eligible Customer has met the eligibility criteria of this Promotion.
- A Push notification containing a unique code for each Spin awarded under this Promotion (the “Spin Code“) will be sent to each Qualified Customer via the HSBC Singapore App by 15 October 2025, barring any unforeseen delays.
- If there are any issues regarding the non-receipt of a push notification containing the Spin Code, Qualified Customers must contact us by 31 October 2025. Please refer to Clause 23 below for the relevant contact details.
- With each Spin, each Qualified Customer can participate in the lucky draw to win one of the prizes as set out in the table below (each, a “Prize” and collectively, “Prizes“). The Promotion is subject and limited to the availability of the Prizes below.
Spin-the-wheel Prizes Quantity OSIM massage chair 1 iPhone 16 Pro 3 Royal Caribbean cruise vouchers worth S$1,400 2 S$3 Cash credit 600 S$5 Cash credit 600 S$8 Cash credit 200 S$20 NTUC vouchers 30 S$30 NTUC vouchers 20 S$80 Takashimaya vouchers 5 S$100 Takashimaya vouchers 3 Digital Registration Bonus (Gifts) Quantity S$10 Cash credit 100 - The Gifts, Spins and/or Prizes (collectively, the “Rewards“) will be issued on a first-come-first-served basis. Upon the Rewards being fully issued, no further transactions will result in any further entitlement to a Reward. We are not obliged to inform any customer when the maximum number or amount of available Rewards has been fully redeemed for this Promotion.
- This Promotion shall cease to be valid as and when all 1,564 Rewards have been duly redeemed, and accordingly, the Promotional Period shall end on such date and time (even if such is earlier than the scheduled end date of the Promotional Period of 15 August 2025).
- Qualified Customers must also ensure that his/her Account and/or Card with us must be in good standing and is not closed from the end of the Promotional Period up to and including the end of the fulfilment date of 30 December 2025.
- Awarded Spin(s) must be utilised by Qualified Customers by submitting the relevant Spin Codes in the lucky draw between 15 October 2025 and 15 November 2025. Qualified Customers can access the lucky draw at hsbc.com.sg/mobilise. Spin Code(s) which are not utilized during the aforesaid period will be forfeited.
- The Prize(s) allocated to each Qualified Customer through the lucky draw will be randomly chosen by our computer programme designed specifically for the purpose of the Promotion.
- The selection of Qualified Customers will be verified by external auditors. We may appoint any party as we deem fit as an external auditor for the Prize allocation.
- A push notification containing details of the redemption of the Prizes will be sent to each Qualified Customer by 15 December 2025, barring any unforeseen delays.
- If there are any issues regarding the non-receipt of the redemption push notification, Qualified Customers must contact HSBC by 30 December 2025.
- Barring any unforeseen delays, the cash credit Prize(s) and Gifts will be automatically credited to the Qualified Customer’s Account or account(s) associated with their Card(s), no later than 30 December 2025 for Qualified Customers who have won cash credit Prize(s) and/or Gift(s), after we reasonably determine that the relevant criteria under this Promotion have been met. For Qualified Customers that hold an Account and a Card, the relevant cash credit will be credited into their Account. Any request for early fulfilment or partial fulfilment of a Prize or Gift will not be granted or entertained by us.
- The Rewards are not exchangeable for rewards points, credit or kind in all cases, whether in whole or in part. The Rewards are also not transferable or replaceable. We may substitute the Rewards with other item(s) of similar value.
- Use of the Reward(s) is subject to the terms and conditions of the merchant(s) providing the relevant products and/or services. Please refer to the respective merchant(s) for details. We are not a supplier of the Reward(s) (save for the cash credits Rewards) provided by the merchants involved in this Promotion and will not accept any liability in relation thereto.
- Should there be any issues related to this Promotion, Customer is required to contact HSBC at 1800-HSBC NOW (4722 669) by 30 December 2025.
- 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
- The HSBC Account User Agreement, HSBC Online Banking/HSBC Mobile Banking App Terms and Conditions, the Investment Terms, HSBC Time Deposit Terms and Conditions, HSBC Spend Instalment Plan Terms and Conditions and HSBC Balance Transfer Terms and Conditions (collectively, the “Account Terms“) will apply to govern deposit accounts, online banking and mobile banking transactions, investment accounts, TMDs, spend instalment plans and balance transfer respectively. In the event of any conflict or inconsistency between these Promotional Terms and Conditions and the Account Terms, in respect of this Promotion, the Promotional Terms and Conditions shall apply to the extent of the conflict or inconsistency.
- We may determine in our reasonable discretion whether any given customer is eligible for this Promotion and/or whether such customer has met all of 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.
- 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:
- reflect changes to our operational costs, business operations, systems and processes, our arrangements with third parties or industry or market conditions or practice;
- 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;
- 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
- otherwise protect our legitimate interests.
The updates include amendments to:
- the Promotional Period;
- the eligibility criteria for the Promotion;
- the promotional rate or discount;
- the type of Rewards
- the redemption period or criteria for a Reward;
- the limit to the number of Rewards available for redemption under the Promotion;
- the validity period of a Reward;
- the fulfilment period and/or
- the merchant(s) providing the Prizes.
- These Promotional Terms and Conditions are not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The mention of any investment product or class of investment products (“product“) should not be construed as representing a recommendation to buy or sell that product, nor does it represent a forecast on future performance of the product. The information contained in this document is intended for Singapore residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada. The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as investment advice. Before you make any investment decisions, you may wish to consult a financial adviser. In the event you choose not to seek advice from a financial adviser, you should carefully consider whether the investment is suitable. Any transaction that you decide to make will be one of your own choice and at your own risk. The value of investments and units may go down and up, and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. Investors and potential investors should read the relevant prospectus, offering document or product information before investing.
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Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
- 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.
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.