Spend To Get Jetso

Card Promotion

Card Features

Terms and Conditions for My Melody Credit Card Welcome Gift:

Promotion Period is valid until 31 December 2012 (the "Promotion Period"). Welcome gift is only applicable to Principal Cardholder who successfully applied for Dah Sing My Melody Credit Card listed in the application form within the promotion period. Each Principal Cardholder can enjoy the welcome gift ONCE regardless of the number of Dah Sing My Melody Credit Card applied. Gift choice cannot be changed once confirmed and cannot be converted into cash.

Welcome gift is only applicable to brand new Dah Sing My Melody Credit Card Principal Cardholders who did not cancel or hold any Dah Sing My Melody Credit Cards.

If Principal Cardholder cancels his/her new Dah Sing My Melody Credit Card within 13 months from card issuance, Dah Sing Bank ("the Bank") reserves the right to debit handling fee of HK$400 to the relevant Principal Card Account without prior notice.

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

Principal Cardholder who choose "My Melody Fat Monitor" has to accumulate retail purchase or cash advance of HK$2,000 or above within the first 2 months from card issuance, in order to be entitled to the "My Melody Fat Monitor".

The qualifying transaction mentioned in Clause 6 includes retail purchases, cash advances, "Jetso Installment" amount, "Cash-in Plan" amount, balance transfer amount which has been debited to Dah Sing My Melody Credit Card account, Interest-free Installment Plan monthly installment amount, and Octopus AAVS amount; but excludes the following transactions, including but not limited to bank handling fees (including annual fee, financial charges, 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 are defined as qualifying transactions.

The welcome gift redemption letter will be sent to the eligible Principal Cardholder after one month upon fulfilling the spending requirement. The relevant Credit Card account must be valid and in good standing status at the time of issuing the redemption letter. Gift redemption is bounded by respective terms and conditions, which are set out in the redemption letter.

Welcome gift listed above is 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 gift with another gift without prior notice.

The picture of the welcome gift is for reference only. 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. Any dispute or complaint in respect of the products, services and / or information should be directed to the relevant merchants.

Up to HK$60,000 Free Interest & Service Charge 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 "My Melody Fat Monitor". The Cardholders still have to meet spending requirement as stated in Clause 6 in order to get the gift. The successful applicants of Dah Sing My Melody Credit Card can enjoy up to HK$60,000 Free Interest & Service Charge Installment Plan without any spending requirement. The minimum amount for "Free Interest & Service Charge 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 "Free Interest & Service Charge Installment Plan" amount. "Free Interest & Service Charge 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 "Free Interest & Service Charge 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 Dah Sing My Melody Credit Card Account with the approved "Free Interest & Service Charge 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 "Free Interest & Service Charge 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 customer's Credit 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 "Free Interest & Service Charge 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. "Free Interest & Service Charge Installment Plan" 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 "Free Interest & Service Charge 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 term and conditions shall prevail.

My Melody Principal Cardholder can apply for the Octopus Automatic Add-Value Service for maximum of 3 members aged 12 or above. Dah Sing Bank will charge HK$100 for each Personalized Octopus Card (Including HK$50 for deposit, HK$30 for stored value and HK$20 for non-refundable handling fee) for Octopus Card Limited, it is free of charge for Cardholder who has personalized Octopus. For first time applicants of AAVS, no application fee will be charged. For applications of transferring the AAVS from one bank to another, reactivation of the AAVS or change the auto-reloaded amount are required to pay Octopus Cards Limited a HK$20 non-refundable handling fee. These fees will be charged to the Carholder's designated Dah Sing My Melody Credit Card account. 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 HK$250 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.

Every HK$1 you spent with your Dah Sing My Melody Credit Card will earn you one bonus point. You can earn double bonus points whenever the transaction is made on your birthday. The valid transactions for "Bonus Point Scheme" include retail spending and Octopus AAVS amount only, but excluding the following transactions, including but not limited to cash advance, "Jetso Installment" amount, "Cash-in Plan" amount, balance transfer amount, bill payment, tax payment, interest-free installment amount, bank handling fees (including annual fee, financial charges, late fee and cash advance handling fee etc), casino transaction, unposted / cancelled / transactions eventually returned and all unauthorized transactions.

iii. 

Year round merchant offer: Cardholder must present Dah Sing My Melody Credit Card and spend with the card in order to entitle to the merchant offer. The offer details will be mailed along with the new card. The Bank will not be responsible for the products and services provided by the merchants.

iv. 

e-banking service: A service fee of 1% of the payment amount will be charged (applicable to the pre-registration merchants only). No Bonus Point will be awarded for e-banking service. For information of the merchant list, please visit www.dahsing.com.

v.

The Bank reserves the final rights to amend these terms and conditions and / or amend or terminate this offer at any time without prior notice. All matters and disputes will be subject to the final decision of the Bank.