Promotion Period valids until June 30, 2012 ("Promotion Period"). Welcome Offers are only applicable to brand new cardholders i.e. who did not cancel or hold any Doraemon Credit Card (including Doraemon Principal and Supplementary Card transferred from Mevas Bank to Dah Sing Bank) who successfully applied for the Doraemon Credit Card within the Promotion Period. Each new Principal Cardholder can enjoy the Welcome Offer only ONCE regardless of the number of Doraemon Credit Card applied. Gift choice cannot be changed once confirmed and cannot be converted in cash. For Cardholders who have chosen "Doraemon Radio & Speaker", they have to accumulate retail purchase or cash advance of HK$2,800 or above within the first 2 months from card issuance, in order to be entitled to the Welcome Offers. "Up to HK$60,000 Free Interest and Service Charge Cash-In Plan" (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. For those who fail to meet this requirement, Dah Sing Bank (the "Bank") shall amend the gift preference to "Doraemon Radio & Speaker", while the cardholder still has to meet spending requirements as stated in clauses 1 and 2 in order to get the gift. The Principal cardholders who successfully apply for Dah Sing Doraemon 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. The accumulated spending amount for the Welcome Offers includes transactions of retail purchases, cash advances, "Happy Installment" installment amount, Cash-in Plan installment amount, Branch Cash-in installment amount, autopay, recurring billing transactions, balance transfer amount posted, Stocks Investment Savings Plan, "Payeasy" bill payment amount, "Jet Payment" payment amount, interest-free monthly installment amount, gift redemption fee (if applicable), cheque payment (if applicable), Octopus Automatic Add Value Service amount. But excluding the following transactions, including but not limited to bank handling fee (including but not limited to annual fee, financial charge, late fee and cash advance handling fee etc), casino transactions, unposted / cancelled / refunded and all unauthorized transactions. Retail purchase and cash advance of Supplementary Card will be combined to the Principal Card account. The Bank reserves the final decision for determining the eligibility of the transaction to be included in the welcome gift. The redemption letter regarding the welcome gift will be sent to the eligible Principal Cardholder within one month upon fulfilling the spending requirement and the relevant Credit Card Account must be valid and in good standing status at the time of issuing the redemption letter, otherwise Cardholder will not be entitled to the welcome gift. Gift redemption is bound by respective Terms and Conditions, these Terms and Conditions are set out on the redemption letter. Welcome Offers listed above are on a first-come-first-serve basis while stocks last. In the event that the gift item is out of stock, the Bank reserves the right to substitute the Welcome Offer with another offer without prior notice. The manufacturers and/or suppliers of the gifts are solely responsible for the quality, availability and warranty of the products supplied, and the Bank has no liability for the quality, availability and warranty of the same. If Principal Cardholder cancels his/her Doraemon 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. All matters and disputes will be subjected to the final decision of the Bank.
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"Cash Reward" is only applicable to the transaction amount of retail purchases and Octopus AAVS; but excluding the following transactions, including but not limited to cash advance, autopay, "Jetso Installment" / "Happy Installment" installment amount, Cash-in Plan amount, Branch Cash-in, balance transfer amount, Stocks Investment Savings Plan, "Payeasy" bill payment amount, "Jet Payment" payment amount, tax payment, interest-free monthly installment amount, cheque payment (if applicable), bank handling fee (including but not limited to annual fee, financial charge, late fee and cash advance handling fee etc), casino transactions, unposted / cancelled / refunded and all unauthorized transactions. The "Cash Reward" offer shall be subject to the terms and conditions of the Cardholder Agreement. The Bank reserves the final decision on the applicability of the "Cash Reward". "Cash Reward" is calculated base on individual transactions, individual transaction with amount less than HK$200 will NOT be entitled to any "Cash Reward". Extra HK$1 "Cash Reward" will be offered for every transactions of HK$200 made on cardholder's birthday with the Card. Taking a single transaction with HK$400 as an example:
| |
Classic Card |
Platinum Card |
| Normal "Cash Reward" |
HK$2 |
HK$4 |
| Extra "Cash Reward" for transaction on birthday |
HK$2 |
HK$2 |
| Total "Cash Reward" |
HK$4 |
HK$6 |
"Cash Reward" will be posted monthly:
- For customers who successfully applied for Doraemon Kids Savings Accounts, the "Cash Reward" earned by both Principal Cardholder and Supplementary Cardholders will be credited into designated Doraemon Kids Savings Accounts. In case more than one Doraemon Kids Savings Account was setup, the "Cash Reward" will be divided proportionally among all Doraemon Kids Savings Accounts; "Cash Reward" will be divided down to unit dollar and remainder will be credited to the first created Doraemon Kids Savings Account (according to the Bank's record). "Cash Reward" is only applicable to the Doraemon Kids Savings Accounts that applied together with Doraemon Credit Cards, and maximum 3 accounts can be linked with each Doraemon Credit Card. For customers who failed to apply for Doraemon Kids Savings Accounts, "Cash Reward" will be credited to their Doraemon Credit Card accounts.
- For customers who did not apply for Doraemon Kids Savings Accounts, the "Cash Reward" earned by Principal Cardholder and Supplementary Cardholders will be credited into their Doraemon Credit Card accounts respectively.
- If customers cancel or charge off relevant transactions after posting "Cash Reward", the Bank reserves the right to debit the amount equivalent to the value of "Cash Reward" given to customers from the credit card account without prior notice.
"Cash Reward" that posted into credit card account is only applicable for settling new purchases, and cannot be transferred or redeemed for cash.
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