"Happy Merchants" in all shopping hot spots, happy shopping everywhere!

"Happy merchant" embraces all consumption categories!
You can enjoy extra cash rebates for spending at any of the merchants in The Link shopping centres, including dining, fashion, cosmetics and personal care, electronics, and even at supermarkets or convenience stores. Furthermore, when you park with Happy Card at The Link car parks, you can enjoy as high as 3X cash rebates1.

Please click to search for the "Happy Merchant" List.

Please click here for Terms and Conditions.

3X cash rebates　Happy index surges!
Spend with your Happy Card at participating merchantｓ ("Happy Merchants"2) in any of The Link shopping malls and you will be rewarded with high cash rebate!

• Spending with Happy Platinum Card, cardholder is entitled to earn 3X cash rebate (for every HK$25 transaction = HK$0.3 cash rebate).
• Spending with Happy Classic Card, cardholder is entitled to earn 2X cash rebate (for every HK$25 transaction = HK$0.2 cash rebate).
  
  
  

 2-hour free parking doubles your shopping happiness
Enjoy special parking offers when spending at The Link shopping centres, happy shopping all the way!

• When spending at The Link shopping centres up to the designated amount, you can enjoy 2 hours of free parking3.
• Using the Direct Debit Authorization Service4 with your Happy Platinum Card to pay for your monthly parking rental at any of The Link car parks and your monthly transactions total reaches $3,500, you can enjoy $35 rental rebate offer5.

 "Daily Goodies Cash Rebate" Rewarded in every way!
Whether you spend at your home or outside, you can enjoy up to 1% cash rebate anywhere anytime. Doing daily chores such as paying phone bills or broadband service payment, making transaction for gasoline payment, topping up your Octopus card, or grocery shopping with your Happy Card, you can always be rewarded up to 1% cash rebate under the "Daily Goodies Cash Rebate" reward program.

Registration Hotline: 3760 8622

	With the Visa payWave contactless payment feature, no signature is required for transaction under HK$500 when you pay at a shopping hotspot with the "" symbol. It is fast and convenient!
	Card Promotion
	Year Round Merchant Offers
	Card Features

Apply now to enjoy 3 years annual fee waiver!

Please click here for Terms and Conditions.

From now until Jun 30, 2013 ("Promotional period"), you can enjoy one of the following welcome gifts upon successful application for "Dah Sing The Link Happy Visa Card".

KASERA Splendid Cast Iron Casserole Set (2 pieces per set)

TOHO Life Portable Battery

To further enhance our service quality and efficiency, we are pleased to announce that we have appointed Goldpac Datacard Solutions Company Limited ("Goldpac") as our new chip card / magnetic strip card embossing and personalization services provider. Goldpac, located in the Mainland China, is one of the worldwide leading providers of secured card solutions, card issuance system and card personalization service since 1993. We believe this new service partnership will enhance our ability to provide quality services to our customers.

It is always the policy of Dah Sing Bank to fully comply with the data protection principles and relevant provisions of the Personal Data (Privacy) Ordinance (Cap. 486) during the disclosure or transfer of any personal data. Goldpac will also apply stringent controls to safeguard the confidentiality and security of your data during the chip card / magnetic strip card embossing and personalization process. Your personal data may also be disclosed or provided to any person to whom Dah Sing Bank or Goldpac is under an obligation to make disclosure under any applicable laws or regulations, or under and for the purposes of any guidelines issued by competent regulator(s) or other authorities (including but not limited to government departments, judiciary or tax authority(ies)).

General Terms and Conditions:

If any related transaction is cancelled after cardholders received "Basic Cash Rebate" or "Birthday Cash Rebate", cardholders are required to reimburse the Bank for the whole amount of the relevant cash rebate. The Bank has the right to debit the relevant cash rebate from cardholders' relevant credit card accounts without further notice. The Bank will calculate the reimbursement by dividing the amount of the cancelled transaction by HK$25 (the number will be rounded off to the nearest integer), then multiplying the number by HK$0.1 (1X Basic Cash Rebate). If more than one related transactions are cancelled in the monthly statement, the Bank will calculate the total amount of reimbursement by adding up the relevant cash rebate of all cancelled transactions. The final amount will be rounded off to the nearest dollar.

Example 1: Spending with Happy Platinum Card – multi-transactions (in the same credit card monthly statement)

If a transaction of HK$1,320.50 is cancelled, the cardholder is required to reimburse HK$5 to the Bank.

* The above calculation is also applicable to Happy Classic Card, whereas the extra cash rebate for Classic Card is 1X (i.e. HK$0.1).

Example 2: Spending with Happy Classic Card – single transaction (in the same credit card monthly statement):

For principal cardholder who chooses “Up to HK$60,000 Free Interest and Service Charge Cash-In Plan” who successfully apply the Plan can enjoy up to HK$60,000 and 15-month Free Interest and Service Charge Cash-In Plan without any spending requirement. The Cash-In amount is subject to the final approved credit limit of Dah Sing Bank Credit Card account. The Cash-In amount is up to 90% of credit limit (the minimum amount required is HK$3,000 while the maximum is HK$60,000). The Bank has the absolute discretionary right to determine the final Cash-In amount of the cardholder and is not obliged to provide reasons. A confirmation letter will be mailed to the Principal cardholder within 1 month whilst his/her credit card has been approved. Cardholder may contact Dah Sing Bank Customer Service Hotline 2828 8002 to accept the Cash-In offer or by completing the confirmation letter and return to the bank with required documents by mail / fax within 60 days since card issuance. Upon receipt of all necessary documents, the Bank requires 3 to 7 working days to process the request and disburse the fund to the cardholder's designated personal Hong Kong dollar currency bank account (the “Relevant Bank Account"). The receiving bank may deduct the handling fee from the Relevant Bank Account. The Bank is not liable for the mentioned handling fee or any interest or other expense caused by this. The cardholder has to arrange with receiving bank for the expense or interest (if applicable) directly. The Bank will debit the Credit Card Account (the “Relevant Account”) with the approved Cash-In 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 Cash-In amount from the credit limit of the Relevant Account until the last installment has been debited. The Bank will proportionally increase the deducted credit limit every month after the Bank has successfully debited the Relevant Account with the Cash-In amount due. The monthly repayment amount will be debited from the Relevant Account. The repayment amount per installment is calculated by dividing the total installment amount by the number of tenor. Should there be any decimal place in the monthly repayment amount, it will be rounded up to the nearest dollar. No financial charge will be charged provided that the cardholder makes full payment of the credit card statement balance on or before the payment due date. For cardholder who makes partial payment of the credit card statement balance, cardholder shall pay a finance charge on any monthly installment amount due but unpaid at the prevailing interest rate of the Relevant Account. For the prevailing retail purchases finance charge and its related annualized percentage rate (“APR”), please browse the Bank's website. On default of payment of any monies due under the Relevant 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 cardholder or in case of cancellation or termination of the Relevant Account or the Plan for whatever reasons, all outstanding installments or balance or monies owing under these terms and conditions shall be immediately due and payable by cardholder and shall at the absolute discretion of the Bank, be debited against the Relevant Account and a Cash-In 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. The Plan is not applicable for "Credit Card Bonus Point Scheme", “Instant Cash Reward” / “Cash Rebate”, “Mileage Program”, and any other Bonus Point or Cash Rebate Reward Program. Even if these terms and conditions have to be stipulated by other articles, the Bank has the right to inform the cardholder to suspend or terminate the Plan. Applicant also agrees to abide by and accept all the terms and conditions which the Bank may revise at any time.