1. Promotion Period: From 1 January 2008 to 30 June 2008
2. To enjoy the Welcome Gift, applicant must successfully apply for Dah Sing Generic Card within the Promotion Period. Welcome Gift Crystal Mahjong Set and VTech Digital Dect Phone is only applicable to Principal Cardholders who didn’t hold any Dah Sing Generic Credit Cards listed in this application form. Each new Principal Cardholder can enjoy the Welcome Gift only ONCE regardless of the number of Dah Sing Generic Credit Card applied.
3. Up to HK$60,000 Interest Free Cash-in Installment: It is not applicable to cardholders who has ever hold/cancel any Dah Sing Credit Cards (including Dah Sing Credit Card, Dah Sing Program Cards, Co-branded Cards and Reminbi Credit Card, either Principal or Supplementary Card) in the past 12-month. For those who failed to meet this requirement, Dah Sing Bank (the “Bank”) shall amend the gift preference to Crystal Mahjong Set. The Cardholders still have to meet spending requirement at stated in Clause 2 in order to get the gifts. The successful applicants of Dah Sing Generic Credit Card can enjoy up to HK$60,000 and 15 months interest-free Cash-in Installment without any spending requirement. For the successful applicant of Dah Sing Generic Principal Credit Card, the minimum amount for "Interest Free Cash-in Installment" is HK$3,000 while the maximum is HK$60,000 (depends on the approved credit limit of Dah Sing Credit Card account). This Instalment plan is only applicable to Principal Cardholder and is only applicable to local personal bank account holder. (Not applicable to joint accounts or supplementary cardholder). The Bank has the absolute discretionary right to determine “Interest Free Cash-in Installment “ amount. “Interest Free Cash-in Installment” amount reply slip will be mailed to the Principal Cardholder within 1 month whilst his/her credit card has been approved. Applicant is required to return the reply slip and required document within 60 days of card issuance. When the Bank receives the reply slip, the Bank will credit the approved Interest Free Cash-in Plan Installment amount to the applicant’s designated personal Hong Kong dollar currency bank (“the Relevant Account”) within 7 working days. The receivable bank may deduct the handling fee from the Relevant Account. The Bank is not liable for the mentioned handling fee or any interest or other expense caused by this. The applicant has to arrange the amount with receivable bank for the expense or interest directly (if applicable). The Bank will debit the Credit Card Account with the approved “Interest Free Cash-in Installment” amount by 15 consecutive monthly installments, commencing from such date as the Bank may prescribe at its discretion. The Bank will debit an amount equivalent to the "Interest Free Cash-in Installment" amount from the credit limit of the Credit Card Account until the last installment has been debited. The Bank will proportionally increase the deducted credit limit every month after the Bank successfully debits the Credit Card Account with the installment amount due. On default of payment of any moneys due under the Credit Card Account or in case of breach of any provisions of the applicable terms and conditions governing the use of Dah Sing Credit Card Cardholder Agreement (“Agreement”) or any of these terms and conditions by applicant or in case of cancellation or termination of the Credit Card Account or “Interest Free Cash-in Installment” for whatever reason, all outstanding installments or balance or moneys owing under these terms and conditions shall immediately due and payable by applicant and shall at the absolute discretion of the Bank, be debited against the Credit Card Account and an installment plan cancellation fee of HK$300 will be charged by the Bank, therefore, the Agreement shall apply to all the said installments or balance. The Bank has the right to accept or reject any application without providing any reason. “Interest Free Cash-in Installment” is not applicable for Bonus Point Scheme. Even if these terms and conditions have to be stipulated by other articles, the Bank has the right to inform the applicant to suspend or terminate Interest Free Cash-in Installment. These terms and conditions shall form part of the Agreement and shall be construed accordingly, In case of any inconsistency discrepancy between these terms and conditions and the Agreement, these terms and conditions shall prevail.
4. Crystal Mahjong Set: It is applicable to successful Principal Cardholders of Dah Sing Generic Credit Cards who accumulated retail purchase or cash advance of HK$2,000 or above within the first 2 months from card issuance.
5. VTech Digital Dect Phone: It is applicable to successful Principal Cardholders of Dah Sing Generic Credit Cards who accumulated retail purchase or cash advance of HK$2,000 or above within the first 2 months from card issuance.
6. The accumulated spending amount includes retail spending amount, cash advance amount, "Jetso Installment" amount, "Cash-in Plan", balance transfer amount, bill payment, tax payment, interest-free installment, Octopus AAVS Amount, excludes bank handling fees (annual fees, financial charges, late fees and cash advance handling fee), casino transaction, unposted / cancelled / refunded and all unauthorized transactions. The retail spending / cash advance of Supplementary Cardholder will be combined with the Principal Cardholder’s account.
7. Welcome Gift listed on Clause 4 and 5 are on a first-come-first serve basis while stocks last and cannot be exchanged for cash. In the event that the gift item is out of stock, the Bank reserves the right to substitute the welcome gift with another offer. The Bank does not warrant the quality and quantity of the products provided by the participating merchants and will not accept any liability in relation thereto
8. If Principal Cardholder cancels his/her new Dah Sing Generic Credit Card within 13 months of card-issuance date, the Bank reserves the right to debit a handling fee of HK$300 to the relevant Principal Card Account without prior notice.
9. In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail. All matters and disputes will be subjected to the final decision of the Bank.

To enjoy the offers, Cardholder must present Dah Sing credit card upon purchase and settle the payment with the card. For details, please refer to the year-round offer leaflet, which will be sent with the card to cardholder. Dah Sing Bank will not be responsible for the quality of products and service. The supplier will be solely responsible for the quality of product and service.