Promotion Period is valid from now to March 31, 2012 ("Promotion Period"). Welcome Gifts are only applicable to brand new cardholders (i.e. did not hold/cancel any Dah Sing Altruist Credit Card in the past 12 months) who successfully applied for Dah Sing Altruist Credit Card within the Promotion Period. Each new Principal Cardholder can have only ONE Welcome Gift regardless of the number of Dah Sing Altruist Credit Card applied.  The gift cannot be exchanged for cash, other discount or transferred.

For Principal Cardholder who chooses "HK$200 Cash Rebate", he/she will be entitled to the Welcome Gift upon accumulated retail spending or cash advance of HK$2,000 or above and being posted to the relevant credit card account within the first 2 months from card-issuance.

"Up to HK$60,000 Interest-Free Cash Installment Plan" is not applicable to cardholders who have ever held/cancelled any Dah Sing Bank Credit Cards (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 "HK$200 Cash Rebate", the Cardholders still have to meet requirement as stated in Clause II in order to get the gift. The Principal Cardholders who successfully apply for Dah Sing Altruist Credit Card can enjoy "Up to HK$60,000 and 15-month Interest-Free Cash Installment Plan" without any spending requirement. The minimum amount for "Interest-Free Cash Installment Plan" is HK$3,000 while the maximum is HK$60,000 (depends on the approved credit limit of Dah Sing Credit Card account). The Bank has the absolute discretionary right to determine "Interest-Free Cash Installment Plan" amount. "Interest-Free Cash Installment Plan" 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 documents within 60 days of card issuance. When the Bank receives the reply slip, the Bank will credit the approved "Interest-Free Cash Installment Plan" 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 Installment Plan" 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 Installment Plan" 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. No financial charge will be calculated provided that the customers make full amount of the credit card statement balance on or before the payment due date. For customers who make partial payment of the credit card statement balance, customer shall pay a retail purchase finance charge on any monthly installment amount due but unpaid at the prevailing interest rate of customers' Card Account. On default of payment of any monies 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 Installment Plan" for whatever reason, all outstanding installments or balance or monies 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 Installment Plan" is not eligible to Credit Card Bonus Point Scheme, Instant Cash Reward/Cash Rebate, Mileage Program, JFT Dollars and any other Bouns Point Reward Program. 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 Installment Plan". 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.

The accumulated spending amount qualified to the Welcome Gift includes transactions of retail purchases, cash advances, "Jetso Installment" monthly Installment, "Jetso Cash-in Plan" monthly Installment, balance transfer amount posted in Dah Sing Altruist Credit Card account, "Payeasy" bill payment, interest-free monthly Installment and Octopus Automatic Add Value Service amount (Octopus AAVS amount); but excluding the following transactions, including but not limited to bank fees and service charges (including but not limited to annual fee, financial charges, late fees and cash advance handling fee, etc.), casino transactions, unposted / cancelled / refunded and all unauthorized transactions. The retail spending and cash advance of Supplementary Cardholders will be combined with the Principal Cardholder's account.

The Bank will determine the eligibility of Cardholder for entitlement of cash rebate based on the Cardholders' transaction records held with the Bank.

Cardholders are required to keep all relevant original sales slips. In case of any disputes, the Bank reserves the right to request Cardholders to submit the relevant original sales slips for inspection. All sales slips submitted to the Bank will not be returned.

Welcome gift of "HK$200 Cash Rebate" will be credited to the eligible Principal Cardholder within one month upon fulfilling the spending requirement. The relevant Credit Card account must be valid and in good standing status at the time of cash rebate credit.

Cash rebate will be credited into the Principal Cardholder's Credit Card account in form of credit card free spending credit. Credit card free spending credit will be used for payment of new transaction items, it is not transferable, refundable or cannot be exchanged for cash.

Welcome Gift choice cannot be changed once confirmed.

If Principal Cardholder cancels his/her new Credit Card within 13 months from 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.

The Bank reserves the right to amend these terms and conditions or cancel the offer at any time without prior notice.

All matters and disputes will be subject to the final decision of the Bank.

In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.