ANZ Credit Cards Promotion Terms and Conditions (1 November February 2016)

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1 ANZ Credit Cards Promotion Terms and Conditions (1 November February 2016) 1. The ANZ Credit Cards Promotion (the Credit Cards Promotion ) is open to new-to-bank customers who apply for the ANZ Optimum World MasterCard Credit Card, ANZ Travel Visa Signature Credit Card, ANZ Platinum Credit Card and/or ANZ Switch Platinum Credit Card (the Credit Cards and each, a Credit Card ) issued by Australia and New Zealand Banking Group Limited, Singapore Branch (the Bank ), and have their credit card applications approved by 15 March This Credit Cards Promotion cannot be used in conjunction with any other ANZ credit card promotions and/or offers unless otherwise stated. Unless the context otherwise requires, terms used in these terms and conditions but which are not defined in these terms and conditions shall have the same meanings as ascribed to such terms in the Cardmember s Agreement. 2. Existing Cardmembers and applicants who had cancelled their ANZ Card(s) in the last six (6) months prior to the date of their application will not be eligible to participate in this Credit Cards Promotion. For the avoidance of doubt, this Credit Cards Promotion does not apply to ANZ Debit Cards or ANZ Corporate Cards. 3. The promotion period for this Credit Cards Promotion is from 1 November February 2016, both dates inclusive ( Credit Cards Promotion Period ). 4. New-to-bank customers must apply for their Credit Card(s) via promotional application forms with CC Source Codes 21315A10PCCCIT, 21315A10PCCCBH, 21315A10PCCCAM,21315A10PCCCRT,21315A10PC CCMI, 21315A10PCCCHD, 21315A10PCCKE, 21315A10PCCCPB, 21315A10SHBKE and PBAUHL, and such promotional application forms may be submitted via the internet, Phone Banking, or any of our ANZ branches or ATMs. 5. During the Credit Cards Promotion Period, eligible new-to-bank customers who meet the necessary criteria will receive one of the following gifts as set out below: a. Principal Cardmembers who successfully apply for the ANZ Optimum World MasterCard Credit Card, ANZ Platinum Credit Card, and/or ANZ Switch Platinum Credit Card and charge at least S$488 of Qualifying Card Spend (as defined in paragraph 6 below) to their Credit Card(s) within 30 days of the date of approval of their Credit Card(s) will receive one set of either (i) 5,000 Rewards Points or (ii) 100 Optimum$ ( Gift A ); and b. (b) Principal Cardmembers who successfully apply for the ANZ Travel Visa Signature Credit Card and charge at least S$500 of Qualifying Card Spend to their Credit Card within 30 days of the date of approval of their Credit Card will receive one set of 2,000 bonus Travel$, subject to the ANZ Travel Visa Signature Credit Card Bonus 2,000 Travel$ Terms and Conditions ( Gift B, and together with Gift A, the Gifts ). 6. The first 1,300 eligible new-to-bank customers, who (i) apply for a Credit Card from 12 January 2016 to 29 February 2016 (both dates inclusive), (ii) meet the criteria set out in 5(a) or 5(b) above and (iii) have their Credit Card approved by 15 March 2016 will receive one (1) ANZ Flash Pay Cash Card ($8 value). 7. Only retail transactions charged to the Credit Cards are qualifying card spend ( Qualifying Card Spend ). Ongoing instalment plans, cash advance, balance transfer, and any other fees howsoever called, including but not limited to, annual fees, cash advance fees, interest and late fees are excluded from the calculation of the Qualifying Card Spend. Retail charges debited and posted to the account of all Supplementary Cardmembers will be taken into consideration and awarded to the Principal Cardmember.

2 8. Each Principal Cardmember is entitled to only one (1) Gift A and/or one (1) Gift B, regardless of the number of transactions made or number of Credit Cards approved. In the event the Principal Cardmember has applied for more than one (1) Credit Card, the Bank will credit the Gift A and/or Gift B to the Card Account which has the highest number of transactions made (as determined by the Bank in its sole discretion) within four (4) weeks from the date of notification letter issued to such Principal Cardmember (the Notification Letter ). Please refer to the examples below: Example 1 Principal Cardmember who successfully applies for the ANZ Optimum World MasterCard Credit Card and the ANZ Travel Visa Signature Credit Card and within 30 days of the date of the respective approval charges (a) at least S$488 of Qualifying Card Spend to the ANZ Optimum World MasterCard Credit Card, and (b) at least S$500 of Qualifying Card Spend to the ANZ Travel Visa Signature Credit Card, will receive one (1) Gift A and one (1) Gift B. If the Principal Cardmember also applied for any of the abovementioned Credit Cards from 12 January 2016 to 29 February 2016 (both dates inclusive) and had it approved by 15 March 2016, he/she will receive one (1) bonus ANZ Flash Pay Cash Card ($8 value) only. Example 2 Principal Cardmember who successfully applies for the ANZ Optimum World MasterCard Credit Card, the ANZ Platinum Credit Card and the ANZ Switch Platinum Credit Card and charges at least S$488 of Qualifying Card Spend to each of his/her Credit Cards within 30 days of the date of the respective approval, will receive one (1) Gift A only. If the Principal Cardmember also applied for any of the abovementioned Credit Cards from 12 January 2016 to 29 February 2016 (both dates inclusive) and had it approved by 15 March 2016, he/she will receive one (1) bonus ANZ Flash Pay Cash Card ($8 value) only. 9. A Notification Letter will be sent to eligible Principal Cardmembers mailing addresses (as per the Bank s records) within 8 weeks of the criteria set out in paragraph In relation to Gift A, eligible Principal Cardmembers may choose to redeem the Rewards Points or Optimum$ as cash by sending an SMS in the prescribed format set out in the Notification Letter, to instruct the Bank to credit the S$100 cash credit into their Card Account Upon receipt of the Principal Cardmember s instructions by SMS, the Bank will credit the S$100 cash credit into his/her Card Account within 4 weeks. In the event the eligible Principal Cardmember does not provide the Bank with such instructions via SMS within one month from the date of his/her Notification Letter, the Bank will, in its sole discretion, credit either Rewards Points or Optimum$ to his/her Card Account. 11. The Gifts are strictly non-transferable, non-assignable and non-exchangeable. 12. In order to participate in these promotions, the Cardmember s Card Account must be in good standing and conducted in a proper and satisfactory manner as determined by the Bank in its sole discretion. In the event that the relevant Card Account is delinquent, voluntarily or involuntarily closed or terminated or suspended for any reasons whatsoever before the bonus Rewards Points, Travel$ or Optimum$ are credited, all bonus Rewards Points, Travel$ or Optimum$ accrued shall automatically be cancelled and forfeited, without further notice from the Bank. 13. In the event that qualifying transactions used to calculate Qualifying Card Spend or Eligible Spend for participation in these promotions are reversed, refunded and/or cancelled after the Cardmember has been issued with bonus Rewards Points, Travel$ or Optimum$ the Bank reserves the right to claw back the costs of such bonus Rewards Points, Travel$ or Optimum$ from the Cardmember.

3 14. The Bank shall not be liable to any Cardmember for any loss, cost of damages of any kind resulting from these promotions. 15. The decisions of the Bank on all matters relating to these promotions are final, conclusive and binding and no correspondence in relation to these promotions will be entertained. 16. In the event of any inconsistency between these terms and conditions and any brochure, marketing or materials relating to these promotions, these terms and conditions shall prevail. 17. The Bank reserves the right to cancel, terminate or suspend these promotions at any time in its reasonable discretion. 18. Notwithstanding anything in these terms and conditions, the Bank reserves the right at any time in its reasonable discretion to determine and/or amend, by addition to, subtraction from or variation of, these terms and conditions, including but not limited to the eligibility terms and criteria and the timing of any act to be done, and all participants in these promotions shall be bound by these amendments with effect from such date as the Bank may determine. 19. These terms and conditions shall be governed by the laws of Singapore, and all Cardmembers who participate in these promotions irrevocably submit to the non-exclusive jurisdiction of the Singapore Courts. A person who is not a party to these terms and conditions shall have no right under the Contract (rights of Third Parties) Act (Cap. 53B) of Singapore to enforce any of these terms and conditions. 20. All information is correct at the time of submission/posting.

4 ANZ Optimum Rebate Programme Terms and Conditions Definitions 1. In these terms and conditions, unless the context otherwise requires: Bank means Australia and New Zealand Banking Group Limited, Singapore Branch; Card means the ANZ Optimum World MasterCard Credit Card issued by the Bank and includes Supplementary Cards where the context requires; Card Account means the account opened with the Bank in respect of the Card; Cardmember means a person to whom a Card is issued and includes the Supplementary Cardmember where the context requires; Programme means the ANZ Optimum Rebate Programme; Retail Spend means a purchase of any goods or services by the use of the Card and may include or exclude any card transaction as may be reasonably determined by the Bank; Reward means any goods, services, benefits, arrangements or other privileges (including, without limitation, payment of annual cardmembership fees or rebate), as may be determined by the Bank in its reasonable discretion, which may be redeemed under the Programme. 2. Unless otherwise defined in these terms and conditions, words and expressions respectively defined or construed in the ANZ Cardmember s Agreement shall have the same meanings when used or referred to herein; and words referring to the singular number shall include the plural number and vice versa. Participation 1. A Cardmember whose Card Account is in good standing, as determined by the Bank in its reasonable discretion, is entitled to participate in the Programme as at the date of commencement of the Programme or the date when the Card is issued to him, whichever is earlier. 2. If a Cardmember terminates his Card Account, any unused Optimum$ shall be automatically cancelled. 3. If the Principal Cardmember s Card Account is terminated at any time for any reason, whether by the Principal Cardmember or the Bank, the Principal Cardmember and the Supplementary Cardmember will forthwith be disqualified from participating in the Programme and all unused Optimum$ then accrued shall automatically be cancelled. At the point of Card Account closure, outstanding Optimum$ owing to the Bank will be debited from the Principal Cardmember s Card Account at a rate of 1 Optimum$ = S$1.00, and the Principal Cardmember shall be liable to make immediate payment.

5 4. If a Supplementary Card is terminated at any time for any reason, the Principal Cardmember will not be disqualified from participating in the Programme. Issuance of Optimum$ 1. Subject to these terms and conditions, Cardmembers can earn Optimum$ from two mutually exclusive tiers: Core and Category Tiers. 2. Transactions not eligible for Optimum$ include, but are not limited to, cash advances, loan on card, finance charges, late payment charges, balance transfer, interest-free instalment payment plan and/or other unauthorised charges which the Bank may add to, or remove from, the above list of eligible charges and transactions from time to time at its reasonable discretion. The Bank s decision as to what constitutes an eligible Retail Spend shall be final and conclusive. In addition, the Bank is entitled, in its reasonable discretion, at any time and from time to time, to take into account or disregard any card transaction or charges or Retail Spend in the calculation of Optimum$ to be credited or to otherwise vary the basis of calculation of Optimum$. 3. Under the 1% Core Tier, Cardmembers will be awarded 0.1 Optimum$ for every S$10.00 (or equivalent foreign currency) of Retail Spend charged to the Cardmember s relevant Card Account, which is also equivalent to 1% of the Retail Spend. Spend made in foreign currency will be subject to exchange rate fluctuations and will be based on the Bank s conversion rate. 4. Under the 5% Category Tier, Cardmembers will be awarded 0.5 Optimum$ for every S$10.00 (or equivalent foreign currency) of Retail Spend in the selected Category charged to the Cardmember s relevant Card Account, which is also equivalent to 5% of the Retail Spend. Spend made in foreign currency will be subject to exchange rate fluctuations and will be based on the Bank s conversion rate. 5. To be eligible for the Optimum$ awarded under the 5% Category Tier, Cardmembers must select 1 of 4 Categories (refer to Table 5A) by the 25th of the month (on or before 2359 Hour Singapore Time) before the start of a calendar quarter as indicated in Table 5B via the following channels: ANZ Rewards website or ANZ Optimum Card website. * For the avoidance of doubt, spend incurred for wedding banquets are not eligible for Optimum$.

6 6. The classification of a merchant s main business activity as set out in Table 5A is dependent on the Merchant Category Code (MCC) assigned by the entity providing the point-of-sale terminal to that merchant ( Acquiring Entity ). Such MCC is provided by MasterCard or Visa as a guide to the Acquiring Entity, and the assigning of the relevant MCC is at the Acquiring Entity s and/or MasterCard or Visa s discretion and may be changed without notice. 7. The Bank shall award Optimum$ in accordance with the MCC assigned to the transaction and shall not be held responsible in any way whatsoever in the event that the MCC provided by the Acquiring Entity is inaccurate or subsequently amended. For the avoidance of doubt, the Bank shall not award any additional Optimum$ or adjust the number of Optimum$ awarded for a transaction in such situations. 8. In the event of multiple selection requests received by the 25th of the month before the start of a calendar quarter, only the last Category selection requested by Cardmember on or before the due date will be valid. Selected Category will be valid for one calendar quarter only. Thereafter, Cardmembers who do not select a Category before the due date for the next calendar quarter, will only be awarded Optimum$ under the Core Tier in that calendar quarter and each subsequent calendar quarter until a Category selection is eventually made. 9. For New-to-Bank Cardmembers, the Category selected upon application will be valid for the remaining calendar quarter (based on the date of application approval) and the subsequent calendar quarter. Thereafter, Cardmembers who do not select a Category on or before the due date for the following calendar quarter, will only be awarded Optimum$ under the Core Tier in that calendar quarter and each subsequent calendar quarter until a Category selection is eventually made. 10. Optimum$ will be computed and accumulated daily. Optimum$ will be computed based on transaction posting date and will be rounded down to the nearest 0.1 Optimum$. The maximum amount of Optimum$ that may be awarded for a Retail Spend shall be 30 Optimum$. 11. The accumulation of the Optimum$ will be rounded down to the nearest 1 Optimum$ on each Card statement date. There is no limit to the total Optimum$ accumulated and no limit on the number of transactions that can be made, for each statement cycle.

7 12. A summation of the Optimum$ awarded in a statement cycle, will be computed and credited only on that relevant Card statement date. 13. Optimum$ accumulated under the Card Account may be automatically deducted to offset Cardmember s Card annual fee when the annual fee is due. Sufficient Optimum$ must be set aside if Cardmember would like to use the Optimum$ to apply for waiver of the annual fee. 14. Optimum$ accumulated on the Card will be valid only during the respective 3-year period in which such Optimum$ were earned, beginning from the date the Card Account of the Principal Cardmember is opened and with such subsequent periods running successively thereafter. 15. Any reversals of transactions including but not limited to refunds or chargebacks of Retail Spend will not be entitled to Optimum$. Should there be any subsequent transaction reversals or refunded Retail Spend, resulting in Optimum$ being owed to the Bank, the Bank reserves the right to debit the Card Account for the Optimum$ credited and/or charge the Cardmember the monetary value of such Optimum$. The Bank shall be entitled to debit such Optimum$ even if such debiting causes the Card Account to have a negative Optimum$ balance. 16. For the purpose of the above clause, the debiting of Optimum$ for a reversed transaction or refunded Retail Spend will be computed using the percentage rate that is being used to award Optimum$ for that particular Category of which the reversed transaction or refunded Retail Spend falls within at the time of the reversal or refund. 17. The Bank shall be entitled to charge the Cardmember and debit the Card Account for any negative Optimum$ balance in the Card Account at S$1 for each negative Optimum$ balance. 18. All Optimum$ will be credited to the Card Account of the Principal Cardmember. Retail Spend debited and posted to the account of all Supplementary Cardmembers will be taken into consideration and attributed to the Principal Cardmember. 19. Provided that the Card Account is in good standing as determined by the Bank and that there are sufficient Optimum$, a Cardmember may select and redeem more Rewards, based on the qualifying Optimum$ amount specified in the Programme and during the Programme period, via such redemption channels as the Bank may from time to time inform the Cardmember. The Cardmember agrees that the use of any redemption channels will be governed by its applicable terms and conditions. 20. The accumulation and usage of Optimum$ shall be specified in the Cardmember s Card monthly statement. Unless expressly stated herein, Optimum$ are not transferable and not exchangeable for cash or credit unless expressly provided for in an applicable redemption programme. Redemption of Cash Rebate 1. The Cardmember can utilise his Optimum$ to redeem cash rebate and these cash rebate can only be utilised to offset future retail purchases made using the Card. Cash rebate cannot be used to offset Flexiplan, Instalment Payment Plan (IPP), cash advance, fund transfer, interest and any fee charges.

8 2. 1 Optimum$ is equivalent to S$1 cash rebate, unless otherwise stated. Redemption of cash rebate shall be subject to a minimum of 50 Optimum$ and must be made in multiples of 50 Optimum$. 3. The Cardmember agrees that the Bank may at its reasonable discretion and at any time, amend the minimum Optimum$ required to make such cash rebate redemptions. The Cardmember shall be responsible for checking the redemption rate at the time of redemption. 4. The Bank may take approximately fourteen (14) working days to process a cash rebate redemption request. The cash rebate will be credited to the Cardmember s Card Account and reflected in his statement of account within fourteen (14) working days after his redemption request is received by the Bank. Other Conditions 1. The Bank may at any time vary, modify or amend the terms and conditions of the Programme as it may, in its reasonable discretion, think fit, and the Cardmember shall be bound by such variations and amendments. 2. Any abuse or fraud in respect of the issuance of Optimum$ and/or redemption or use of Rewards, may result in the cancellation or reversal of accrued Optimum$ and any Rewards already issued. 3. Without prejudice to any of the Bank s rights and remedies, the Bank is entitled, at any time, in its reasonable discretion and without giving any reason, to terminate the Programme or withdraw, cancel or invalidate any Reward and/or Optimum$ already issued. 4. The Bank is not liable if it is unable to perform its obligations under these terms and conditions, due directly or indirectly to the failure of any machine or communication system, industrial dispute, war, Act of God, or anything outside the control of the Bank, its agents or any third party. The Bank shall not be responsible for any delay and/or errors in the transmission of evidence of the Retail Spend, by the participating merchants or any other third party to the Bank. 5. The Bank shall be entitled without liability to the Cardmember or any third party to extend any processing time for the card application or redemption requests. 6. The Bank shall not in any way be liable to the Cardmember or any third party for any goods or services or the quality or performance of such goods or services supplied by any partner, service provider, merchant or any third party pursuant to the Programme. Cardmembers should seek redress and direct any complaints or comments in respect of such goods and services to the respective partner, service provider, merchant or third party. 7. The Cardmember hereby authorises the Bank to disclose information regarding himself and his Card Account(s) to such third parties as the Bank deems necessary for the purposes of the Programme.

9 8. The Bank s records of all matters relating to the Programme shall be conclusive and binding on the Cardmember. The Bank is entitled, for any reason and at any time, without liability or prior notice, to suspend the calculation, accrual or redemption of Optimum$, to rectify any errors in the calculation, or otherwise adjust such calculation. 9. These terms shall be governed by the laws of Singapore and the Cardmember hereby submits to the non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to these terms shall have no right under the Contract (Rights of Third Parties) Act (Cap. 53B) to enforce any of these terms. 10. The Bank s decision on all matters relating to the Programme shall be final.

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