PayLater Campaign

Dream It, Split It Promotion 2022 Terms and Conditions

(A) Dream It, Split It Promotion 2022 Terms and Conditions

  1. This Dream It, Split It Promotion 2022 ("Promotion") is valid from 1 October to 31 December 2022, both dates inclusive ("Promotional Period") unless otherwise stated, and is offered by HSBC Bank (Singapore) Limited ("HSBC" or the "Bank") to customers:
    1. who hold one or more main HSBC Credit Cards (except US dollar denominated cards, corporate cards, and HSBC Debit Cards) issued by HSBC in Singapore (each, a "Card") as a 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).
  2. HSBC reserves the right to determine at our discretion whether:
    1. Cardholder(s) have met all the requirements of this Promotion; and
    2. Cardholder(s) have successfully applied for a PayLater Instalment Payment Plan ("PayLater IPPs") for the purposes of this Promotion.
  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 'SPLIT' 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 error, the registration will be void and you will not be eligible for this Promotion.
    2. Be among the first 800 Registered Cardholders to successfully apply for a PayLater IPP with the participating merchants with the PayLater logo ("Participating Merchants") during the Promotional Period ("IPP Transaction").
  4. Each Registered Cardholder who has satisfied the relevant requirements under Clause 3 shall be entitled to an 8% Cashback (the "Cashback") on amount of the relevant IPP Transaction; capped at a maximum overall Cashback of S$100 per Registered Cardholder. The Cashback is limited to the first 800 redemptions.

    Gift ("Cashback") Maximum Cashback per Customer Gift Code
    8% Cashback on PayLater IPP amount
    Limited to the first 800 redemptions.
    S$100 SPLIT
    Gift ("Cashback") 8% Cashback on PayLater IPP amount
    Limited to the first 800 redemptions.
    Maximum Cashback per Customer S$100
    Gift Code SPLIT
  5. 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, even if the requirement under Clause 3b is met.
  6. A Registered Cardholder who has satisfied all the relevant requirements under Clauses 3 and 4 shall be referred to as a "Qualified Cardholder". HSBC's records relating to this Promotion including any details relating to registration and IPP Transactions shall be final and binding on all Cardholders.
  7. If any IPP Transaction is cancelled or reversed during or after the Promotional Period, the relevant Cardholder will not be considered to have met the requirements and will not be considered a Qualified Cardholder.
  8. IPP Transactions may be subject to the Participating Merchants' terms and conditions governing a Participating Merchant's offer on the good/services (if any). Cardholders shall be deemed to have read and agreed to the relevant Participating Merchant's terms and conditions (if any) when applying for the Card Instalment Plan(s).
  9. "Cashback" shall refer to the cash rebate credited to the Qualified Cardholder's relevant Card account in accordance with the terms of this Promotion which may be used to offset the Qualified Cardholder's future HSBC Card account debits and cannot be transferred, withdrawn as cash or used to offset payments such as fund transfers, tax payments, financial charges, late charges, fees and other outstanding balances.
  10. The Cashback 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 Cashback with an item of equal or similar value without prior notice.
  11. The Cashback will be credited into the Qualified Cardholder's Card account provided during registration by 28 February 2023, barring any unforeseen technical delays.
  12. If there any issues regarding the non-receipt of the Cashback, Qualified Cardholders must contact HSBC by 31 March 2023. In the event of any disputes in relation to the Promotion, HSBC's decision shall be final.
  13. By registering for this Promotion, a Cardholder consents to the use of his/her personal data by the Bank to contact him/her with updates and offers relating to this Promotion, including the use of the Cardholder's telephone number and email address to contact him/her via SMS and email.
  14. 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.
  15. HSBC accepts no liability for any late submission of any transaction by merchants for whatever reason.
  16. HSBC reserves the right to vary, delete or add to any of these terms and conditions, or withdraw or alter the Promotion at any time without prior notice.
  17. In case of a dispute, the decision of HSBC shall be final.
  18. Should there be any issues related to this Promotion, the Cardholder is required to contact HSBC at 1800-HSBC NOW (4722 669) or e-mail to
  19. This Promotion is strictly not valid with other offers or promotions unless otherwise stated. For the avoidance of doubt, Cardholders who register their Card under this Promotion shall not be eligible to participate in any other HSBC Credit Card promotions or similar promotions offered by the Bank during the Promotional Period. Likewise, Cardholders who register their Card under other promotions shall not be eligible to participate in this Promotion.
  20. These terms and conditions are governed by the laws of the Republic of Singapore and the parties submit to the non‑exclusive jurisdiction of the courts of Singapore.
  21. All information is accurate at the time of publishing or posting online.