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Dah Sing Link Happy Visa Card

3-2-1 Anytime is HAPPY TIME

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Welcome Offer

Welcome Gift Tchibo Cafissimo PURE coffee maker

Successful applicants will be entitled to HK$200 cash rebate upon accumulating Eligible Spending of HK$3,500 or above within the first 2 months from card issuance.

The Promotion Period is from now to 31 December 2017.
Photo is for reference only. Gift is available while stocks last.

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Product Features

Spend with your Happy Card at participating merchants ("Happy Merchants"2) in any of Link shopping malls and you will be rewarded with more cash rebate!


 

Happy Platinum Card Happy Classic Card
Types of Spending (For every spending transaction of HK$25) Cash Rebate Types of Spending (For every spending transaction of HK$25) Cash Rebate
Spending on retail transaction with the Card HK$0.1 Spending on retail transaction with the Card HK$0.1
Spending on your Birthday or overseas with the Card HK$0.2 Spending on your Birthday or overseas with the Card HK$0.2
Spending at designated “Happy Merchants” HK$0.3 Spending at designated “Happy Merchants” HK$0.2

To get the list of "Happy Merchants", please click here

Upon spending over designated amount at Link shopping malls with Dah Sing Link Happy Visa Card, cardholder will be entitled to 1 hour free parking on top of the regular 1 hour parking. In total, 2 hours free parking3 can be enjoyed.

 

You can pay your monthly parking rental at any of Link car parks by using the direct debit authorization service4 with your Happy Platinum Card. When your total monthly transactions reaches HK$3,500, you can enjoy HK$35 rental rebate offer5.

With the built-in Visa payWave contactless transaction function, no signature is required for spending of HK$500 or below at any Visa payWave accepted merchants. Simply wave your Card on the card sensor, making the transaction process faster and more convenient than ever.

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Act Now!

Enquiry Hotline 2828 8168

 

To borrow or not to borrow? Borrow only if you can repay!

Subject to relevant terms and conditions. For details, please click here.

General Terms and Conditions:

 

  1. "Cash Rebate Scheme":
    • "Cash Rebate" is applicable to Principal Card Cardholders and Supplementary Card Cardholders ("Eligible Credit Cards") of Link Happy Visa Card ("Happy Card") issued by Dah Sing Bank ("the Bank"). The "Cash Rebate" will be credited to the credit card accounts respectively.
    • "Cash rebate" is only applicable to retail purchase and Octopus Automatic Add Value Service amount ("Eligible transactions") and excluding the following transactions, including but not limited to the rental payment of Link's monthly car park or retail shops through the direct debit authorization service, cash advance, autopay, "Happy Installment" installment amount, "Cash-in Plan" amount, Branch Cash-in amount, balance transfer amount, Stocks Investment Savings Plan, "Payeasy" bill payment, “Jet Payment” payment amount, tax payment, interest-free monthly installment amount, “Tap & Go” top-up amount, cheque payment amount (if applicable), bank handling fees (including but not limited to annual fee, financial charge, late fee and cash advance handling fee etc), casino transaction, unposted / cancelled / refunded and all unauthorized transactions. Dah Sing Bank, Limited (“The Bank”) reserves the final decision on the applicability of the “Cash Rebate Scheme”.
    • Cardholders can earn HK$0.1 cash rebate (i.e. 1X basic cash rebate) for every HK$25 eligible transaction with Happy Card.
    • Cardholders can earn extra HK$0.1 birthday cash rebate (i.e. extra 1X cash rebate) for every HK$25 transaction with Happy Card made on birthday. The extra Cash Rebate on birthday will be calculated by respective cardholders (Principal Cardholders can enjoy extra Cash Rebate upon spending on Principal Cardholder’s birthday; while Supplementary Cardholders can enjoy extra Cash Rebate upon spending on Supplementary Cardholder’s birthday).
    • Transactions made at designated merchants at the designated Link's shopping malls ("Happy Merchants") and hourly car parks operated by Link Asset Management Limited ("Link") with Happy Card:
      • Happy Platinum Card: For every HK$25 transaction, HK$0.3 cash rebate (including HK$0.1 "basic cash rebate (i.e. 1X basic cash rebate) and HK$0.2 extra cash rebate" (i.e. extra 2X cash rebate) will be offered;
      • Happy Classic Card: For every HK$25 transaction, HK$0.2 cash rebate (including HK$0.1 "basic cash rebate (i.e. 1X basic cash rebate) and HK$0.1 "extra cash rebate" (i.e. extra 1X cash rebate) will be offered;
      Each eligible Principal and Supplementary credit card account is entitled to a maximum of HK$100 "extra cash rebate" in each monthly statement. (If the "extra cash rebate" earned reaches the maximum monthly amount, cardholders will still be entitled to "basic cash rebate" for the eligible transactions.)
    • Calculation of Cash Rebate:
      • "Basic cash rebate" - The Bank will calculate the cash rebate by first dividing the amount of each eligible transaction by HK$25 (the number will be rounded off to the nearest integer), then multiplying the number by HK$0.1 (i.e. 1X cash rebate); the total "basic cash rebate" earned from all eligible transactions will then be rounded into the nearest dollar. If the total "basic cash rebate" earned is more than HK$0 but not less than HK$1, it will be rounded to HK$1.
      • "Extra cash rebate" - The Bank will calculate the cash rebate by first dividing the amount of each eligible transaction by HK$25 (the number will be rounded off to the nearest integer), then multiplying the number by HK$0.2 (Platinum Card: 2X cash rebate) or HK$0.1 (Classic Card: 1X cash rebate); the total "extra cash rebate" earned from all transactions will be rounded into the nearest dollar. If the total "extra cash rebate" earned is more than HK$0 but less than HK$1, it will be rounded to HK$1.
    • "Extra cash rebate" will be credited to eligible credit cards account after statement cut date and will be shown on the next monthly statement. Relevant credit card accounts should remain valid and in good standing status on the date the cash rebate credited to the accounts.
    • "Cash rebate" earned will be used for payment of new transaction items, it cannot be converted into cash or withdrawn as cash advance and is not combinable nor transferable (include but not limited to different credit card of the same Cardholder or Supplementary card account).
    • If the single transaction is below HK$25, "Cash rebate" (including "basic cash rebate", "birthday cash rebate" and "extra cash rebate") will not be offered.
    • 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) 
      Transaction type Transaction amount 3X "Cash Rebate"
      1X Basic Cash Rebate * 2X ExtraCash Rebate*
      Happy Merchant $1,000 $4 $8
      Happy Merchant $124.50 $0.4 $0.8
      Happy Merchant $1,320.50 $5.2 $10.4
      Happy Merchant $5,000 $20 $40
      Total "Cash Rebate" $30 $59
      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:
      Transaction type Transaction amount 2X "Cash Rebate"
      Basic 1X Cash Rebate Extra 1X Cash Rebate
      Happy Merchant $124.50 $0.4 $0.4
      Total "Cash Rebate"  $1 $1
  2. The list of designated Link shopping malls and "Happy Merchant" are jointly determined by the Bank and Link. The Bank and Link reserve the right to amend the list at any time. Customers can refer to the latest list of the designated Link shopping malls and "Happy Merchant" in the Bank's website. The Bank will calculate the "extra cash rebate" based on respective Happy 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 cash rebate", the Bank will not bear any responsibility. In case of the "Happy Merchants" List is not refreshed on time and induced cardholders fail to enjoy the "extra cash rebate", or should any disputes arouse concerning the list, the decision of the Bank shall be final. The Bank reserves the right to determine the validity of any transactions at "Happy Merchants" and amend the terms and conditions at any time without further notice. In case of disputes, the decision of the Bank shall be final.
  3. Upon meeting the required spending amount in designated Link Shopping Malls (one of the transactions must be settled with Happy Card), Cardholder will be offered an additional one hour free parking ("Extra Parking Offer") on top of the regular parking offer available in the designated Link Shopping Malls. For example, assuming that if a customer spends HK$200 at a shopping mall under Link's management, he/ she will be entitled to 1 hour free parking. If one of the transactions is made with Happy Card, the customer will be entitled to an additional one hour free parking. Extra Parking Offer is bound by relevant terms and conditions. For details, please contact Link's Customer Service Department or Link's Customer Service Hotline at 2122 9000. The Bank reserves the final rights to amend these terms and conditions at any time. All matters and disputes will be subject to the final decision of the Bank.
  4. If customers wish to settle Link car park fee or retail rentals ("Payments") with Happy Card through Direct Debit Authorization, cardholders are required to complete and return the "Credit Card Direct Debit Payment Authorization Form" to the Bank when applying the credit card. Otherwise, Cardholders can also complete and return the form to Link after the card is issued. The Bank will transfer/debit from the relevant credit card accounts in settlement of the Payments in favor of Link in accordance with the instructions receiving from Link from time to time. Please contact Link for any enquiries about this service. This service is applicable to Principal and Supplementary Cardholders and bound by relevant terms and conditions. For details, please refer to "Credit Card Direct Debit Authorization Form". For the payment settled through this service, no cash rebate will be offered.
  5. Monthly car park HK$35 rental rebate offer ("HK$35 rental rebate offer"):
    • The promotion period for "HK$35 rental rebate offer" ends at 31 December, 2017 ("Promotion Period").
    • "HK$35 rental rebate offer" is only applicable to the Principal Cardholders of Dah Sing Link Platinum Credit Card. Happy Card Principal Cardholder is eligible for "HK$35 rental rebate offer" upon settling Link's monthly car park rental by direct debit authorization service with the Happy Platinum Card and made eligible transaction of HK$3,500 or above (as defined in Clause C below) in the same statement.
    • "Eligible Transaction" is only applicable to local and overseas retail purchase and cash advance and is not applicable to the other transactions, include but not limited to the rental payment of Link's monthly car park or retail shops through the direct debit authorization service, autopay, recurring billing transactions (e.g. Octopus Automatic Add Value Service transaction, Autotoll top up etc), "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, gift redemption fee (if applicable), 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. Eligible spending of Supplementary Card account will be combined to the Principal Card account.
    • Each Happy Platinum Card Cardholder is entitled to a maximum of "HK$35 rental rebate offer" once for each statement during the promotion period.
    • If Principal Card Cardholder holds more than one Happy Platinum Card, and those credit cards have met the requirement of "HK$35 rental rebate offer", then only one of those credit card accounts can enjoy "HK$35 rental rebate offer".
    • The Bank will verify the validity of the Cardholder's credit card transaction record to confirm the Principal Cardholder's eligibility for entitling the "HK$35 rental rebate offer".
    • The Bank will settle the eligible transactions of the Happy Platinum Card at the last working day of each month, and the relevant "HK$35 rental rebate offer" will be credited automatically and reflected in the next statement.
    • "HK$35 rental rebate offer" will be used for payment of new transaction items, it cannot be converted into cash or withdrawn as cash advance and is not combinable nor transferable (include but not limited to different credit card of the same Cardholder or supplementary card account).
    • If Principal Cardholder cancels/refunds the relevant eligible transaction (including transactions of Supplementary Card) after the "HK$35 rental rebate offer" being credited to the card account, the Bank has the right to debit the amount which is equivalent to the value of "HK$35 rental rebate offer" from the Cardholder's Credit Card account without further notice.
    • The Principal Card account must be valid and in good standing status at the time of cash rebate credit. If Cardholder is failed to meet the requirement, the Bank reserves the right to fortfeit the "HK$35 rental rebate offer"and other cash rebate without any prior notice.
  6. The Bank reserves the rights to amend these terms and conditions and / or amend or terminate any offer at any time without prior notice. All matters and disputes will be subject to the final decision of the Bank.
  7. In case of any discrepancies between the Chinese and English versions of the terms and conditions, the English version shall prevail.


Terms and Conditions for Welcome Offer:

  1. Promotion Period is valid from now to 31 December 2017 ("Promotion Period").
  2. Welcome offer is only applicable to brand new Principal cardholders (i.e. did not hold and/ or cancel any Principal or Supplementary Credit Card issued by Dah Sing Bank, Limited ("The Bank") in the past 12 months) who successfully apply for Dah Sing Link Happy Visa Card("Eligible Card") within the Promotion Period ("Eligible Cardholder"). Each Eligible Cardholder can only enjoy the welcome offer ONCE regardless of the number of Principal Card applied.
  3. Eligible Cardholder will be entitled to the Welcome Offer upon accumulating Eligible Spending of HK$3,500 or above and being posted to the relevant credit card account within the first 2 months from card issuance.
  4. "Eligible Spending" includes retail purchase, cash advance, autopay, recurring payment amount (e.g. Octopus Automatic Add Value Service, Autotoll Automatic Top-up Services etc.), Stocks Investment Savings Plan, interest-free monthly installment amount, gift redemption amount (if applicable), cheque payment amount (if applicable); but excluding the following transactions, including but not limited to Mobile Payment Transaction through mobile application(s) that is/are made available by the Bank from time to time (e.g. Apple Pay, Android Pay™, Samsung Pay, etc.), Mobile Transfer Transactions (e.g. PayMe, WeChat Pay, TNG, Tap & Go, etc.), "Happy Installment" installment amount, "Cash-in Plan" amount, Branch Cash-in amount, balance transfer amount, bank handling fee (including annual fee, financial charge, late fee and cash advance handling fee, etc.), "Payeasy" bill payment amount, "Jet Payment" payment amount, casino transactions, unposted / cancelled / refunded and all unauthorized transactions. Eligible Spending of Supplementary Card will be combined to the Principal Card account. The Bank reserves the final decision for determining if the transaction fulfills the welcome offer requirement.
  5. The Bank will determine the cardholder's eligibility for entitlement of the welcome offer(s) based on the cardholders' transaction records held with the Bank. The relevant credit card should maintain as valid and in good credit standing during the entire Promotion Period, Spending Period and when the welcome offer is received. The relevant transactions must be posted and would be counted according to the Bank's record and the posting date. Otherwise, the Bank reserves the right to forfeit Eligible Cardholders' welcome offer(s) without prior notice.
  6. 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.
  7. Welcome offer will be credited to the eligible Principal Cardholder within one month upon fulfilling the spending requirement. The welcome offer(s) i.e. the rebate amount is only applicable for settling new purchases; it is not transferable, cannot redeem for cash, withdraw as cash advance nor transfer to any gift or any discount.
  8. If Cardholder has redeemed the welcome offer and 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 from the relevant Principal Card account without prior notice.
  9. The Bank reserves the right to amend these Terms and Conditions or cancel/ amend/ terminate the offer(s) at any time without prior notice. All matters and disputes will be subject to the final decision of the Bank.
  10. The Terms and Conditions contained herein shall form part of the Agreement governing the use of the Dah Sing Credit Card and shall be construed accordingly. In case of any conflict between these Terms and Conditions and the Agreement, these Terms and Conditions shall prevail.
  11. In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.