Terms & Conditions Cash Rebate MasterCard

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1 TERMS & CONDITIONS RELATING TO REBATE AND BENEFITS AVAILABLE UNDER THE CIMB CASH REBATE MASTERCARD CREDIT CARD 1. The cash rebates ( Cash Rebate ) available under the CIMB Cash Rebate MasterCard Credit Card (hereinafter called the Cash Rebate Card ) established by CIMB BANK BERHAD (Company No P) (hereinafter referred to as CIMB ) shall be subject to the terms and conditions hereinafter set out. The terms and conditions herein shall apply to and be read together with the provisions in the CIMB s Cardholder Terms & Conditions (hereinafter referred to as CIMB Cardholder Agreement ). In the event of any discrepancy or inconsistency between the terms and conditions herein and those contained in the CIMB Cardholder Agreement, these terms and conditions governing the benefits of the Cash Rebate Card shall prevail in so far as they apply to the Cash Rebate Card. Terms & Conditions Cash Rebate MasterCard 2. Cash Rebates are only available to principal and/or supplementary cardholders of the Cash Rebate Card ( Cardholder(s) ) whose accounts are current, valid, subsisting and who are not in default of any of the terms of the CIMB Cardholder Agreement. Up to 5% Cash Rebate 3. Subject to these terms and conditions, a Cardholder of the Cash Rebate Card will be awarded 5% Cash Rebate for transactions (inclusive of overseas / foreign currency spending) made on E-Commerce (excluding transaction made on Airlines, Insurance, Utility and Mobile Bill Payments) and Cash Rebate for Petrol, Groceries, Utility and Mobile Bill Payments from eligible merchants as stated in the table below:- Category Cash Rebate Eligible Merchants/ Merchant Category Code Description of transactions entitling Cardholders of the Cash Rebate Card to the Cash Rebate but excluding all transactions as stated in (clause 10) below. E-Commerce/ Online Spend Petrol Groceries Utility Bill Payments Mobile Bill Payments 5% POSMODE 81 MCC (5541, 5542) MCC (5411, 5422, 5451) MCC (4900, 5968) MCC (4813, 4814, 5968) Excluding Airlines (MCC , 4511), Insurance (MCC 5960, 6300), Utility (MCC 4900) and Mobile Bill Payments (MCC 4813, 4814). All All payments under all MCC (4900) and; payments under MCC (5968) applies to GAS MALAYSIA, SESCO and TNB only payments to MAXIS, DIGI, CELCOM, U MOBILE and YES only. 2 June

2 The total Cash Rebate amount which a Cardholder can earn under this Clause 3 for transactions set out in the table above is subject to a maximum of RM50-00 per month/per Cash Rebate Card with the exception of E-Commerce/Online Spend which is subject to a sub-limit whereby the maximum Cash Rebate the Cardholder can earn is RM30-00 per month/per Cash Rebate Card. CIMB however reserves the right to vary the rate or impose limits of Cash Rebate at any time and from time to time upon giving adequate prior notice to the Cardholders. 0. Cash Rebate on Other Spend 4. For all other transactions for payments of the purchase of goods and/ or services not mentioned in the table set out in Clause 3 above, Cardholders will be entitled to a 0. Cash Rebate with no maximum amount on the Cash Rebate which the Cardholder can earn. CIMB however reserves the right to vary the rate or impose limits of Cash Rebate at any time and from time to time, upon giving adequate prior notice to the Cardholders. 5. For purpose of calculating the Cash Rebate, foreign currency spending will be converted to Ringgit Malaysia (RM) and shall be based on CIMB s transaction records only, which shall be conclusive save for manifest error. 10% Cash Rebate on Finance Charges 6. Assuming the Cardholder s Cash Rebate Card outstanding balance is not fully settled, the outstanding balance not paid will attract finance charges on a tiered basis in accordance with the CIMB Cardholder Agreement. Cardholder of the Cash Rebate Card will earn 10% Cash Rebate on such retail finance charges charged and such rebate will be reflected on the billed statement and used only towards payment of the finance charges charged by CIMB. 7. All Cash Rebates afforded to the Cardholder are in lieu of bonus points and/or any other rewards usually associated with CIMB s other credit cards. Unless otherwise expressly stated, where a Cardholder is granted Cash Rebates, that Cardholder shall not be entitled to bonus points and/or any other rewards usually associated with the CIMB s other credit cards. No insurance coverage or any other benefits are also available under the Cash Rebate Card. Where the Cardholder has elected to make repayment of the transaction by monthly installments under any installment payment facility provided by CIMB, the Cash Rebates are only granted to the Cardholder based on the amount of monthly installment posted on the Cardholder s Cash Rebate Card account statement each month. 8. For transactions to qualify for Cash Rebates under Clause 3 and Clause 4, such transactions must be posted to the Cardholder s Cash Rebate Card account before the statement date. Transactions posted to the Cardholder s Cash Rebate Card account on the same date as the statement date shall be treated as qualifying transactions for the following month. Although CIMB s statement date for the Cash Rebate Card is currently the 28th of every month, CIMB reserves the right to vary the statement date at any time and from time to time, upon giving adequate prior notice to the Cardholders. 9. The Cash Rebates earned will be calculated (rounded to the nearest Malaysian Ringgit) and posted to the Cardholder s Cash Rebate Card account on each statement date. The Cash Rebate earned shall be utilized towards payment of the outstanding balances due on the Cardholder s Cash Rebate Card account with the exception of Cash Rebate earned under the 10% Cash Rebate on Finance Charges charged, which shall only be used towards payment of the finance charges charged by CIMB. CIMB may however vary the date and the frequency of the crediting of the Cash Rebate at its sole and absolute discretion. If any transactions are disputed or alleged to be fraudulent, the Cash Rebate earned on such transactions may be reversed or cancelled by CIMB at its sole and absolute discretion. 10. The following transactions are herein expressly excluded and no Cash Rebates will be granted in respect of them:- (a) Balance Transfer and Cash Advance transactions; (b) Quasi Cash transactions - (example: betting and/or gaming transactions); (c) Late payment charges, reversals, fraudulent retail transactions and other fees and charges; (d) Transactions made by the Cardholders with any merchant associated with or controlled by them or their family members (whether as employee, employer, shareholder or director). i.e. transactions by a Cardholder with any corporation or business entity in which he is an or any of his family members are employee or employer or works with or has shares or interest in or is a director of; and (e) Lump sum repayment of the original transaction amount which the Cardholder has previously elected to make repayment of such original transaction by monthly installments under any installment payment facility provided by CIMB. Any determination by CIMB as to whether a transaction(s) falls within clause 10 (a) to (e) and are excluded from the entitlement to Cash Rebates shall be final and conclusive and shall not be challenged in any manner whatsoever. 11. The assignment of Merchant Category Code or MCC for each merchant is subject to classification by the respective acquiring banks and it is the responsibility of the particular acquiring bank to assign the correct Merchant Category Code to the relevant transaction. CIMB shall not be held responsible for any incorrect assignment of the Merchant Category Code that may result in nonposting of the Cash Rebate for retail transactions at the eligible merchants. The Cardholder shall not be entitled to claim for any 2 3

3 compensation against CIMB for such non-posting of the Cash Rebate due to incorrect assignment of the Merchant Category Code by the respective merchant s acquiring bank. 12. CIMB reserves the absolute right and discretion at any time without having to assign any reason to the Cardholder to suspend for a definite period or indefinitely, cancel and/or terminate the Cash Rebates made available and/or any other benefits available under the Cash Rebate Card (if any) upon giving adequate prior notice. Without limiting the generality of the foregoing provisions CIMB will not be liable for the suspension, cancellation or termination of the Cash Rebate granted or any benefits available there under nor for any losses or damages whatsoever and howsoever incurred by the Cardholder as a direct or indirect result of the act of suspension, cancellation or termination. 13. CIMB reserves the right upon giving twenty-one (21) calendar days prior notice to vary (whether by addition, deletion, modification, amendment or otherwise howsoever) (hereinafter called the Amendment ) any of these terms and conditions. Any Amendment to the provisions herein shall be binding on the Cardholders and CIMB is deemed to have notified Cardholders of the Amendment by: (i) its display at the Bank s premises and website regarding the Amendment where detail provisions regarding the Amendment may be provided in the notice itself or may be provided to the Cardholders upon request; or (ii) by a notice being sent by CIMB to the Cardholder s last known address; or (iii) advertised in one newspaper of the Bank s choice; or (iv) via electronic mail or by any other means of notification which the Bank may select and the Amendment shall be deemed binding on the Cardholder as from the date of notification of the Amendment or from such other date as may be specified by CIMB in the notification. Terma & Syarat Cash Rebate MasterCard 14. These Terms and Conditions shall prevail over any representations contained in any other promotional or advertising materials advertising the Cash Rebate Card. 15. If there is/(are) any inconsistency(ies), conflict(s), ambiguity(ies) or discrepancy(ies) between the Bahasa Malaysia and English version or other language version of these terms and conditions herein, the English version of these Terms and Conditions shall prevail. Notwithstanding the aforementioned where request had been made by the Cardholder and noted and acknowledged by CIMB in its records that the Bahasa Malaysia version of the terms and conditions shall govern the operation of the Cash Rebate Card, then the Bahasa Malaysia version of the terms and conditions herein shall prevail. 4 2 Jun 2014

4 TERMA-TERMA DAN SYARAT-SYARAT BERKENAAN REBAT DAN FAEDAH-FAEDAH YANG DIDAPATI DI BAWAH KAD KREDIT CIMB CASH REBATE MASTERCARD 1. Rebat-rebat tunai ( Rebat Tunai ) yang didapati di bawah Kad Kredit CIMB Cash Rebate MasterCard (seterusnya dirujuk sebagai Kad Rebat Tunai ) oleh CIMB BANK BERHAD (No. Syarikat P) (seterusnya dirujuk sebagai CIMB ) adalah tertakluk kepada terma-terma dan syarat-syarat seperti mana yang diperuntukkan di sini. Terma-terma dan syarat-syarat yang diperuntukkan di sini harus digunapakai dan dibaca bersama-sama dengan peruntukanperuntukan yang termaktub di dalam Terma-terma dan Syarat-syarat Pemegang Kad (seterusnya dirujuk sebagai Terma-terma dan Syarat-syarat Pemegang Kad ). Sekiranya berlaku mana-mana perselisihan atau ketidaksejajaran di antara terma-terma dan syaratsyarat yang diperuntukkan di sini dan di antara terma-terma dan syarat-syarat yang termaktub di dalam Terma-terma dan Syarat-syarat Pemegang Kad, terma-terma dan syarat-syarat yang diperuntukkan di sini berkenaan faedah-faedah Kad Rebat Tunai akan mengatasi termaterma dan syarat-syarat yang termaktub di dalam Terma-terma dan Syarat-syarat Pemegang Kad setakat mana terma-terma dan syaratsyarat digunapakai terhadap Kad Rebat Tunai. 2. Rebat-rebat Tunai hanya diberikan kepada pemegang-pemegang Kad Rebat Tunai utama dan/atau pemegang-pemegang Kad Rebat Tunai tambahan ( Pemegang Kad ) yang mempunyai akaun-akaun yang semasa, sahih, hidup dan yang mana tiada dalam ingkar terhadap apaapa terma di dalam Terma-terma dan Syarat-syarat Pemegang Kad. Rebat Tunai Sehingga 5% 3. Tertakluk kepada terma-terma dan syarat-syarat di sini, pemegang Kad Rebat Tunai akan diberi ganjaran 5% Rebat Tunai untuk transaksitransaksi (termasuk luar negara / perbelanjaan mata wang asing) yang dibuat atas E-Commerce (tidak termasuk transaksi yang dibuat atas Syarikat-syarikat Penerbangan, Insurans, Utiliti, Bayaran-bayaran Bil Mobil) dan ganjaran Rebat Tunai untuk Petrol, Barangan Runcit, Utiliti dan Bayaran-bayaran Bil Mobil daripada peniaga-peniaga layak sepertimana yang dinyatakan di dalam jadual di bawah:- Kategori E-Commerce/ Perbelanjaan Online Petrol Barangan Runcit Bayaran Bil Utiliti Rebat Tunai 5% Peniagapeniaga layak / Kod Kategori Peniaga-peniaga POSMODE 81 MCC (5541, 5542) MCC (5411, 5422, 5451) MCC (4900, 5968) Deskripsi transaksi-transaksi yang memberi hak rebat tunai kepada Pemegang-pemegang Kad Rebat Tunai tetapi tidak termasuk transaksi-transaksi yang di nyatakan di dalam (klausa 10) di bawah. Tidak termasuk Syarikat-syarikat Penerbangan (MCC , 4511), Insurans (MCC 5960, 6300), Utiliti (MCC 4900) dan Bayaran-bayaran bil Mobil (4813, 4814) Semua Semua Bayaran-bayaran Arahan Tetap untuk semua MCC (4900); dan Bayaran-bayaran Arahan Tetap untuk MCC (5968) hanya terpakai untuk GAS MALAYSIA, SESCO dan TNB sahaja. Kategori Bayaran Bil Mobil MCC (4813, 4814, 5968) Jumlah Rebat Tunai dimana seorang Pemegang Kad adalah berhak didapati di bawah Klausa 3 untuk transaksi-transaksi yang dinyatakan di dalam jadual di atas adalah terhad kepada kadar maksima bulanan sebanyak RM50-00 setiap Kad Rebat Tunai sahaja dengan pengecualian terhadap E-Commerce/Perbelanjaan Online yang tertakluk kepada had bawah di mana Rebat Tunai maksima yang berhak didapati oleh Pemegang Kad adalah sebanyak RM30-00 setiap bulan untuk setiap Kad Rebat Tunai sahaja. CIMB menyimpan hak untuk mengubah kadar atau mengenakan batasan-batasan Rebat Tunai pada bila-bila masa dan dari semasa ke semasa dengan memberi notis terdahulu yang mencukupi kepada Pemegang-pemegang Kad. Rebat Tunai 0. atas Perbelanjaan Lain 4. Untuk transaksi-transaksi lain untuk perbelanjaan barang-barang dan/atau servis-servis yang tidak dinyatakan di dalam jadual di Klausa 3 di atas, Pemegang-pemegang Kad adalah berhak mendapati 0. Rebat Tunai dengan tiada had maksima atas Rebat Tunai. CIMB menyimpan hak untuk mengubah kadar atau mengenakan batasan-batasan Rebat Tunai pada bila-bila masa dan dari semasa ke semasa dengan memberi notis mencukupi yang terdahulu kepada Pemegang-pemegang Kad. 5. Untuk tujuan pengiraan Rebat Tunai, perbelanjaan mata wang asing akan ditukarkan kepada Ringgit Malaysia (RM) dan adalah berdasarkan hanya kepada rekod-rekod transaksi-transaksi CIMB, di mana ianya adalah konklusif kecuali ralat jelas. Rebat Tunai 10% atas Caj-caj Kewangan Deskripsi transaksi-transaksi yang memberi hak rebat tunai kepada Pemegang-pemegang Kad Rebat Tunai tetapi tidak termasuk transaksi-transaksi yang di nyatakan di dalam (klausa 10) di bawah. Bayaran-bayaran Arahan Tetap kepada MAXIS, DiGi, CELCOM, U MOBILE dan YES sahaja 6. Sekiranya terdapat baki yang belum dijelaskan oleh Pemegang Kad Rebat Tunai, caj kewangan atas satu dasar bertingkat akan dikenakan terhadap baki yang belum dijelaskan tersebut berdasarkan kepada Terma-terma dan Syarat-syarat Pemegang Kad. Pemegang Kad Rebat Tunai akan mendapat 10% Rebat Tunai atas caj-caj kewangan runcit yang dikenakan dan rebat sebegini akan dicerminkan di dalam penyata yang telah dibilkan dan rebat tersebut hanya akan digunakan untuk bayaran caj-caj kewangan yang dikenakan oleh CIMB. 7. Semua Rebat Tunai yang diberikan kepada Pemegang Kad adalah sebagai ganti kepada mata-mata bonus dan/atau ganjaran-ganjaran lain yang biasanya dikaitkan dengan kad kredit-kad kredit CIMB yang lain. Melainkan sebaliknya khusus dinyatakan, di mana seorang Pemegang Kad telah diberi ganjaran Rebat Tunai, Pemegang Kad tersebut adalah tidak berhak kepada mata-mata bonus dan/atau apa-apa ganjaran-ganjaran lain yang biasanya dikaitkan dengan kad kredit-kad kredit CIMB yang lain. Tiada perlindungan insurans ataupun faedah-faedah lain yang didapati di dalam Kad Rebat Tunai. 5 6 Rebat Tunai Peniagapeniaga layak / Kod Kategori Peniaga-peniaga

5 Sekiranya Pemegang Kad memilih untuk membuat bayaran balik transaksi secara ansuran bulanan di bawah apa-apa kemudahan bayaran ansuran yang telah diberikan oleh CIMB, Rebat-rebat Tunai hanya akan diberikan kepada Pemegang Kad berdasarkan kepada jumlah ansuran bulanan yang dipaparkan di dalam akaun Kad Rebat Tunai Pemegang Kad tersebut setiap bulan. 8. Untuk transaksi-transaksi layak Rebat Tunai seperti mana yang dinyatakan di Klausa-klausa 3 dan 4, transaksi-transaksi sebegitu harus diposkan ke akaun Kad Rebat Tunai Pemegang Kad sebelum tarikh penyata kad. Transaksi-transaksi yang diposkan ke akaun pemegang Kad Rebat Tunai pada tarikh yang sama seperti tarikh penyata kad akan dianggap sebagai transaksi-transaksi layak untuk bulan yang seterusnya. Walaupun tarikh penyata kad CIMB untuk Kad Rebat Tunai adalah kini ditetapkan pada 28hb setiap bulan, CIMB menyimpan hak untuk mengubah tarikh penyata pada bila-bila masa dan dari semasa ke semasa dengan memberi notis terdahulu yang mencukupi kepada Pemegang-pemegang Kad. 9. Rebat-rebat Tunai yang telah diperolehi akan dikira (dibundarkan kepada Ringgit Malaysia yang terdekat) dan diposkan kepada akaun kad Pemegang Kad Rebat Tunai pada setiap tarikh penyata kad. Rebat Tunai yang diperolehi akan digunakan untuk membayar baki-baki belum jelas yang harus dijelaskan atas akaun Pemegang Kad Rebat Tunai dengan pengecualian Rebat Tunai yang diperolehi di bawah skim 10% Rebat Tunai atas Caj-caj Kewangan yang dikenakan, di mana ianya hanya akan digunakan untuk bayaran caj-caj kewangan yang dikenakan oleh CIMB. CIMB boleh menukar tarikh dan kekerapan pengkreditan Rebat Tunai pada budi bicara mutlak dan tunggalnya. Sekiranya transaksi-transaksi adalah dipertikaikan atau dikatakan palsu, Rebat Tunai yang diperolehi untuk transaksi-transaksi seperti ini mungkin dibalikkan atau dibatalkan oleh CIMB atas budi bicaranya yang tunggal dan mutlak. 10. Transaksi-transaksi seperti berikut adalah dengan secara nyata dikecualikan dan tiada Rebat Tunai akan diberi:- (a) Pindahan Baki dan transaksi-transaksi Wang Tunai Pendahuluan; (b) Transaksi-transaksi Tunai Separa (Quasi) - (sebagai contoh: transaksi-transaksi judi dan/atau perjudian); Caj-caj bayaran lewat, berbalik, transaksi-transaksi palsu dan fi-fi dan caj caj lain; (c) Caj-caj bayaran lewat, berbalik, transaksi-transaksi palsu dan fi-fi dan caj-caj lain; (d) Transaksi-transaksi yang dilakukan oleh Pemegang-pemegang Kad dengan peniaga-peniaga yang dikaitkan dengan atau dikawal oleh mereka ataupun keluarga mereka (mahupun sebagai pekerja, majikan, pemegang saham atau pengarah), i.e. transaksi-transaksi oleh seorang Pemegang Kad dengan sebarang perbadanan atau entiti perniagaan di mana dia merupakan atau mana-mana ahli keluarganya merupakan pekerja atau majikan atau bekerja dengan atau mempunyai syer-syer atau faedah-faedah terhadap atau merupakan pengarah di situ; dan (e) Pembayaran balik sekaligus jumlah asal transaksi-transaksi di mana Pemegang Kad telah dahulunya memilih untuk membuat bayaran transaksi tersebut secara ansuran bulanan di bawah apaapa kemudahan bayaran ansuran yang telah diberikan oleh CIMB. Sebarang keputusan oleh CIMB sama ada sesuatu transaksi terjatuh dalam klausa 10 (a) hingga (e) dan dikecualikan daripada hak kepada Rebat Tunai adalah muktamad dan konklusif dan tidak boleh dicabar dalam apa jua cara. 11. Pemberian Kod Peniaga-peniaga atau MCC untuk peniaga-peniaga masing-masing adalah tertakluk kepada klasifikasi oleh bank-bank pemeroleh masing-masing dan ia merupakan tanggungjawab sesuatu bank pemeroleh untuk memberikan Kod Peniaga-peniaga yang betul terhadap transaksi yang berkaitan. CIMB tidak akan dipertanggungjawabkan terhadap pemberian Kod Peniaga-peniaga yang tidak betul yang mungkin akan menyebabkan Rebat Tunai untuk transaksi-transaksi runcit daripada peniaga-peniaga-peniagapeniaga yang berkelayakan gagal diposkan. Pemegang Kad adalah tidak berhak untuk menuntut sebarang pampasan daripada CIMB untuk kegagalan pengeposan Rebat Tunai yang disebabkan oleh pemberian Kod Peniaga-peniaga yang tidak betul oleh bank pemeroleh peniaga-peniaga masing-masing. 12. CIMB menyimpan hak dan budi bicara mutlak pada setiap masa tanpa perlu memberi sebarang alasan kepada Pemegang Kad untuk menggantung untuk suatu masa tertentu atau untuk selamalamanya, membatalkan dan/atau menamatkan Rebat Tunai dan/ atau sebarang faedah di bawah Kad Rebat Tunai (jika ada) atas pemberian notis terdahulu yang mencukupi. Tanpa mengehadkan keluasan makna peruntukan-peruntukan di atas CIMB tidak akan dipertanggungjawabkan untuk penggantungan, pembatalan atau penamatan Rebat Tunai yang diberikan atau sebarang faedah yang boleh didapati mahupun untuk sebarang kerugian atau kerosakan yang apa-apa dan bagaimanapun ditanggung oleh Pemegang Kad disebabkan secara langsung ataupun secara tidak langsung oleh penggantungan, pembatalan atau penamatan. 13. CIMB menyimpan hak dengan memberi dua puluh satu (21) hari kalendar notis terdahulu untuk mengubah (sama ada secara menambah, menggugurkan, mengubah suai, meminda atau sebaliknya bagaimana sekalipun) (seterusnya dirujuk sebagai Pindaan ) sebarang terma-terma dan syarat-syarat di sini. Sebarang Pindaan terhadap terma-terma dan syarat-syarat akan mengikat Pemegang Kad dan CIMB dianggap telah memberi notifikasi kepada Pemegang Kad berkenaan Pindaan tersebut dengan (i) mempamerkan notis Pindaan tersebut di premis-premis CIMB dan di laman web CIMB di mana peruntukan-peruntukan terperinci Pindaan tersebut diberikan di dalam notis itu sendiri atau diberikan kepada Pemegangpemegang Kad atas permintaan mereka; atau (ii) menghantar notis tersebut ke alamat terakhir Pemegang Kad yang diketahui; atau (iii) pengiklanan di dalam suatu surat khabar pilihan CIMB; atau (iv) melalui e-mel atau dengan lain-lain cara notifikasi pilihan CIMB dan Pindaan sedemikian akan terpakai kepada Pemegang Kad pada tarikh notifikasi Pindaan tersebut atau pada tarikh lain sepertimana yang dinyatakan oleh CIMB di dalam notifikasi tersebut. 14. Terma-terma dan Syarat-syarat ini akan mengatasi sebarang representasi yang terkandung di dalam bahan-bahan promosi atau pengiklanan yang mengiklankan Kad Rebat Tunai. 7 8

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