If Principal Cardholder cancels his/her new 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.

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

"Up to HK$60,000 Free Interest & Service Charge Installment Plan" (the "Plan") is preset as the welcome gift. For cardholder who fails to meet the requirements, the bank reserves the right to reject the offering of the Plan without any replacement. The bank also reserves the right on the approval of the Plan without providing any reasons.

The Plan is only applicable to brand new Dah Sing Bank Credit Card Principal cardholders who did not hold any Dah Sing Bank Credit Card (including Principal and Supplementary Card) in the past 12 months. The Principal cardholders who successfully apply for Dah Sing "My Favorite Merchant" Credit Card 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 of the Plan 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 approximate 2 weeks 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. 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. 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", "JFT Dollars" 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. 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.

"My Favorite Merchant" Reward Scheme is applicable to Dah Sing "My Favorite Merchant" Credit Card listed on this website. Until December 2012's (the "10X Cash Rebate Promotion Period") statement cycle, for spending at registered "My Favorite Merchants" (maximum 5 merchants), apart from the basic Cash Rebate (the "Basic Cash Rebate") (HK$1 Rebate for every HK$200 spending), Cardholders can also enjoy extra 9X Cash Rebate (the "Extra 9X Cash Rebate"), i.e. extra HK$9 Rebate for every HK$200 spending. During the "10X Cash Rebate" Promotion Period, each qualified account can enjoy up to HK$100 "Extra 9X Cash Rebate" in each monthly statement, all Rebate afterwards will be counted based on the Basic Cash Rebate rate. Cash Rebate will be counted based on every single transaction amount.

1. Basic Cash Rebate is applicable to retail transactions and Octopus AAVS amount; "Extra 9X Cash Rebate" is applicable to retail transactions in "My Favorite Merchants" only, NOT applicable to Octopus AAVS amount. The following transactions are not eligible for any Cash Rebate, including but not limited to cash advances, "Jetso Instalment", "Jetso Cash-in Plan", balance transfer, bill payment, interest-free installment, bank fees and service charges (including but not limited to annual fee, financial charges, late fees and cash advance handling fee), casino transactions, unposted / cancelled / refunded and all unauthorized transactions.
2. "My Favorite Merchant" Registration (the "Registration") could be done and modified in Dah Sing Bank (The "Bank") "My Favorite Merchant" Registration Webpage. The Registration will be effective on the next working day after each update. The Bank will calculate "Extra 9X Cash Rebate" based on the "My Favorite Merchant" List (the "List") which has been effective on statement day or previous working day (if statement day is non-working). Registration time is subject to the Bank's system record.
   • Example 1: Assumed Cardholder's statement day is the 6th of every month and 6 October is a working day. If the Cardholder update his/her List on 5 October, the List will be effective on 6 October and the Bank will calculate the "Extra 9X Cash Rebate" based on it.
   • Example 2: Assumed Cardholder's statement day is the 4th of every month and 3 & 4 October are not working days. As the original statement day is a non-working day, the Bank will calculate "Extra 9X Cash Rebate" on the previous working day (i.e. 2 October). If Cardholder updates his/her List on 1 October, it will be effective on 2 October and will be used for "Extra 9X Cash Rebate" calculation in October's statement. Updates made during 2-4 October will only be used for calculation in November's statement.
3. "My Favorite Merchant" Reward Scheme is applicable to both Principal and Supplementary Cardholders. Each Principal or Supplementary Credit Cardholder can choose their own "My Favorite Merchant" and should register it at their respective e-Banking accounts. Each Principal or Supplementary Credit Card Account can enjoy up to HK$100 "Extra 9X Cash Rebate" respectively during the "10X Cash Rebate Promotion Period".
4. "My Favorite Merchant" Reward Scheme calculates and offers the "Extra 9X Cash Rebate" based on respective merchants and their acquiring bank's credit card settlement system setting. In case such system setting was being changed and induced cardholders fail to enjoy the "Extra 9X Cash Rebate", the Bank will not be responsible.
5. In case of the RMB Account of CUP Dual Currency Card, the currency unit of above mentioned spending and rebate amount will be in RMB.

Octopus Automatic Add-Value Service ("AAVS") customers (must be Dah Sing Bank Credit Card Principal Cardholders) can apply to the AAVS service for maximum of 3 members aged 12 or above. The Bank will charge HK$100 (including HK$50 for deposit, HK$30 for stored value and HK$20 for non-refundable handling fee) for each Personalized Octopus Card for Octopus Card Limited. There is no application fee for existing Personalized Octopus Card users and all first time application for the AAVS. For existing users of the AAVS, Octopus Card Limited will charge non-refundable handling fee of HK$20 for transferring the AAVS from one bank to another, or reactivation of the AAVS suspension. Such fee(s) will be debited from the Principal Cardholder's Dah Sing Credit Card account after successful application. Should applicants who opt for auto-reloading HK$500 per transaction want to switch to another bank that only provides the option of auto-reloading HK$250 thereafter, applicants should either change the auto-reloading amount to HK250 or cancel the Dah Sing Credit Card Octopus AAVS before switching to another bank. Applicants are required to pay Octopus Cards Limited the required handling fee.

The Bank reserves the final rights to amend these terms and conditions at any time without prior notice. All matters and disputes will be subjected to the final decision of the Bank.