1. who hold a HSBC TravelOne Credit Card issued by HSBC in Singapore (each, a “Card“) as a primary credit cardder; 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); and
3. who have been notified via an EDM and/or Push Notification sent by HSBC, 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 (in the case of HSBC Spend Instalment, only the total purchase amount will qualify as a Qualifying Spend in the month of purchase), including Local Retail Transactions, Online Transactions and Overseas Transactions, charged to the Card account and/or to the account of the supplementary cardholder of the relevant Cardholder during the Promotional Period BUT shall exclude the Excluded Transactions.

“Local Retail Transactions” shall mean retail transactions which are successfully carried out in Singapore dollars and charged to the Card account and/or to the account of the supplementary cardholder of the relevant Cardholder during the Promotional Period.

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

“Excluded Transactions” shall mean any of the following transactions (which shall, where applicable, be determined based on the transaction descriptions reflected in HSBC’s system and the Merchant Category Codes (the “MCC“) from Visa / Mastercard):

• 4829 – Money Transfer
• 4900 – Utilities – Electric, Gas, Water and Sanitary
• 5199 – Nondurable Good
• 5960 – Direct Marketing – Insurance Services
• 6010 – Financial Institutions – Manual Cash Disbursements
• 6011 – Financial Institutions – Automated Cash Disbursements
• 6012 – Financial Institutions – Merchandise, Services, and Debt Repayment
• 6050 – Quasi Cash—Customer Financial Institution
• 6051 – Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment
• 6211 – Security Brokers / Dealers
• 6300 – Insurance Sales, Underwriting, and Premiums
• 6513 – Real Estate Agents & Managers – Rentals
• 6529 – REMOTE STORED VALUE LOAD – MEMBER
• 6530 – REMOTE STORED VALUE LOAD – MERCHANT
• 6532 – PSP-MEMBER-PAYMENT TRANSACTION
• 6533 – PSP-MERCHANT-PAYMENT TRANSACTION
• 6534 – MONEY TRANSFER-MEMBER
• 6536 – MONEYSEND – INTRACOUNTRY
• 6537 – MONEYSEND – INTERCOUNTRY
• 6538 – MONEYSEND FUNDING
• 6540 – Non-Financial Institutions – Stored Value Card Purchase/Load
• 6555 – Mastercard Imitated Rebate
• 7299 – Other Services-Not Elsewhere Classified
• 7349 – CLEAN/MAINT/JANITORIAL SERV
• 7399 – Business Services Not Elsewhere Classified
• 7511 – Quasi Cash – Truck Stop Trxns
• 7523 – Automobile Parking Lots and Garages
• 7801 – Government Licensed On-Line Casinos (On-Line Gambling) (US Region only)
• 7995 – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
• 8062 – Hospitals
• 8211 – Elementary and Secondary Schools
• 8220 – Colleges, Universities, Professional Schools, and Junior Colleges
• 8241 – Correspondence Schools
• 8244 – Business and Secretarial Schools
• 8249 – Vocational and Trade Schools
• 8299 – Schools and Educational Services (Not Elsewhere Classified)
• 8398 – Charitable Social Service Organizations
• 8651 – Political Organizations
• 8661 – Religious Organizations
• 8999 – Professional Services (Not Elsewhere Classified)
• 9211 – Court Costs, Including Alimony and Child Support
• 9222 – Fines
• 9223 – Bail and Bond Payments
• 9311 – Tax Payments
• 9399 – Government Services (Not Elsewhere Classified)
• 9402 – Postal Services – Government Only
• 9405 – Intra-Government Purchases – Government Only
• 9754 – GAMBLING-HORSE RACING DOG RACING STATE LOTTERIES

and such other categories of transactions which HSBC may exclude from time to time without notice or giving reasons.

(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.