A. Promotion-Specific Terms and Conditions

Eligibility

1. This Promotion:

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

   (ii)commences on 1 to 31 July 2025, both dates inclusive (the “Promotion Period 1“); and

   (iii)commences on 1 to 31 August 2025, both dates inclusive (the “Promotion Period 2“); and

   (iv)commences on 1 to 30 September 2025, both dates inclusive (the “Promotion Period 3“); together with Promotion Period 1 and Promotion Period 2, the “Promotion Periods” and each a “Promotion Period“.

   (v)is applicable to selected customers who meet all the following criteria during the Promotion Period (collectively referred to as “Eligible Customers” and each, an “Eligible Customer“):

   1. who hold one or more principal HSBC Advance Credit Card(s) 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 Promotion Period and at the time of fulfillment (as determined by HSBC at its discretion); and
   3. who have been notified via eDM, Push Notification, and/or any other communications sent by HSBC, in respect of this Promotion.
2. 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 spend on Eligible Purchases (as defined below) set for the purposes of this Promotion.

Promotion Mechanics

3. Bonus Cashback (“Bonus Cashback“) will be awarded to an Eligible Customer who have met one of the following qualifying spend requirements during the entire Promotion Period:

   (i)a minimum qualifying spend of SGD1,000 in each Promotion Period to receive bonus cashback equal to 0.7% of the amount spent.

   (ii)a minimum qualifying spend of SGD2,800 in each Promotion Period to receive bonus cashback equal to 1.2% of the amount spent.

   The total Bonus Cashback that an Eligible Customer can receive under each Promotion Period is capped at SGD70.

4. “Cashback” shall refer to the amount credited to the Eligible Cardholder’s Card account in accordance with the terms of this Promotion which may be used to offset future retail purchases but cannot be transferred, withdrawn as cash or used to offset payments such as balance transfers, tax payments, finance charges, late charges, fees and other outstanding balances.

   Table A: Bonus Cashback Tiers

   Total Eligible Spend made during each Promotion Period	Bonus Cashback awarded for each Promotion Period	Maximum Cashback per calendar month
   Minimum SGD1,000	0.7%	Up to SGD70
   Minimum SGD2,800	1.2%

   Total Eligible Spend made during each Promotion Period	Minimum SGD1,000
   Bonus Cashback awarded for each Promotion Period	0.7%
   Maximum Cashback per calendar month	Up to SGD70

   Total Eligible Spend made during each Promotion Period	Minimum SGD2,800
   Bonus Cashback awarded for each Promotion Period	1.2%
   Maximum Cashback per calendar month	Up to SGD70

   Table B: Total Cashback (Base + Bonus) Tiers for Advance Credit Card:

   Total Eligible Spend made during each Promotion Period	Base Cashback awarded per calendar month, up to SGD70	Bonus Cashback awarded per Promotion Period, up to SGD70	Total Cashback (Base + Bonus)	Maximum Cashback per calendar month
   Minimum SGD1,000	1.5%	0.7%	2.2%	Up to SGD140
   Minimum SGD2,000	2.5%	0.7%	3.2%
   Minimum SGD2,800	2.5%	1.2%	3.7%

   Total Eligible Spend made during each Promotion Period	Minimum SGD1,000
   Base Cashback awarded per calendar month, up to SGD70	1.5%
   Bonus Cashback awarded per Promotion Period, up to SGD70	0.7%
   Total Cashback (Base + Bonus)	2.2%
   Maximum Cashback per calendar month	Up to SGD140

   Total Eligible Spend made during each Promotion Period	Minimum SGD2,000
   Base Cashback awarded per calendar month, up to SGD70	2.5%
   Bonus Cashback awarded per Promotion Period, up to SGD70	0.7%
   Total Cashback (Base + Bonus)	3.2%
   Maximum Cashback per calendar month	Up to SGD140

   Total Eligible Spend made during each Promotion Period	Minimum SGD2,800
   Base Cashback awarded per calendar month, up to SGD70	2.5%
   Bonus Cashback awarded per Promotion Period, up to SGD70	1.2%
   Total Cashback (Base + Bonus)	3.7%
   Maximum Cashback per calendar month	Up to SGD140

5. The amount of the Bonus Cashback (as the case may be) will be calculated based on each Eligible Customer’s total Eligible Purchases posted into HSBC’s credit card systems by the last day of each Promotion Period and will be rounded up to the nearest cent. The relevant Bonus Cashback for each Promotion Period will be credited into each qualifying Eligible Customer’s Card account by the end of the next calendar month. HSBC accepts no liability for any late submission of the purchases by merchants or any other party.
6. For the purpose of Clause 3 and calculating the Bonus Cashback which the Eligible Customer is entitled to under the Promotion, Eligible Purchases made with the primary and supplementary Card(s) will be combined and consolidated under the primary Card account (“Account”):

   “Eligible Purchases” refers to posted retail purchases and in the case of HSBC Spend Instalment, only the total purchase amount will qualify as an Eligible Purchase in the month of purchase. Transaction exclusions will apply. For full details, please refer to Clause 4 of terms-and-conditions-governing-advance-credit-card-cashback-programme.pdf.

7. If any Eligible Purchase is cancelled or reversed during or after the Promotion Period, such cancelled or reversed amount shall not be counted for the purposes of determining whether the Eligible Customer has met the relevant requirements under Clause 3.
8. In the event that an Eligible Customer’s Card is voluntarily or involuntarily cancelled or terminated or suspended for any reason, or the Eligible Customer is determined by HSBC not to have fulfilled the conditions of the Promotion, HSBC reserves the right to disqualify such customer from receiving any Bonus Cashback from the Promotion.

Fulfilment

9. Only Accounts that are maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC at the time of crediting the Bonus Cashback will be eligible for the Promotion. If the relevant Account is delinquent, voluntarily or involuntarily closed or terminated or suspended for any reasons whatsoever before the Bonus Cashback is credited into the said Account, HSBC reserves the right to forfeit the Bonus Cashback. HSBC reserves the right to cancel and void any Bonus Cashback awarded to an Account at any time if it determines that the relevant Eligible Customer has not fulfilled the terms and conditions of the Promotion.
10. The Promotion is not valid in conjunction with other offers, campaigns, promotions, privileges and vouchers, or such other promotions unless otherwise specified. In other words, the same customer cannot receive both the Bonus Cashback under this Promotion, and any other reward, gift or account credit or promotional rate from other promotions, unless otherwise specified.
11. 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

12. 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.
13. 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.
14. 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.
15. Our records in respect of the Promotion shall be conclusive and binding on you.
16. 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 Bonus Cashback the Eligible Customer is entitled to receive

    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.

17. 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.
18. 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.