Celebrate With PB Cards. Terms and Conditions. 1. The campaign is valid from 1 January 2016 until 30 April 2016 ( Campaign period ).

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1 Celebrate With PB Cards Terms and Conditions Campaign Period 1. The campaign is valid from 1 January 2016 until 30 April 2016 ( Campaign period ). Eligibility 2. The Campaign is open exclusively to New-To-Bank Public Bank / Public Islamic Bank Principal Credit Cardmembers during the campaign period. ( Eligible Cardmembers ). 3. The following persons are excluded from participating in the campaign :- 3.1 Existing Public Bank / Public Islamic Bank Principal Credit Cardmember; 3.2 Former Public Bank Principal Credit Cardmembers who have cancelled his/her PB Credit Card within one (1) year from the date of current application; 3.3 Employees of the Public Bank Group, its advertising agencies, their immediate families or any other persons connected with the administration of the Campaign; 4. Eligible Cardmembers who applied for a PB Credit Card via this Celebrate With PB Cards campaign will not be eligible for other PB Credit Card Acquisition Offers. 5. The following credit cards and/or cardmembers are excluded from receiving the Valentino Creations 2 pieces Luggage Bag: 5.1 PB-Petron Visa Gold Credit Card 5.2 PB-AIA Visa Gold Credit Card 5.3 Mutual Gold-PB Visa Platinum Credit Card 5.4 Any PB Cardmembers applied via Direct Sales channel Participation Criteria 6. The Eligible Cardmember must perform a one-time SMS registration to participate for the offers of Valentino Creations 2 Pieces Luggage Bag AND 50% Cash Back Friday Treats available in this campaign by following the example given:- SMS to PBCL<space>16-digit credit card no. to Example: PBCL

2 Valentino Creations 2 Pieces Luggage Bag ( Luggage Bag ) 7. Eligible Cardmembers who make one retail transaction of any amount AND performed one-time SMS Registration within 50 days from card approval date ( Luggage Qualifying Period ) will receive the Luggage Bag. 8. The Luggage Bag will be delivered to Eligible Cardmember within FOUR (4) to TWELVE (12) weeks after the end of the Luggage Qualifying Period and upon fulfilment of all terms and conditions listed. 9. The Luggage Bag will be delivered to Eligible Cardmember s mailing address. 10. Each Eligible Cardmember is only entitled to ONE (1) unit of Luggage Bag only throughout the campaign. 11. The Luggage Bag cannot be exchanged for cash, credit or in kind, in part or in full. 12. The Luggage Bag is subject to availability. In the event of unforeseen circumstance, Public Bank reserves the right to substitute alternative item of equivalent or greater value. 13. The colour of Campaign Item is subject to availability. In the event of unforeseen circumstance, Public Bank reserves the right to substitute the colour of item. 14. The fulfilment and delivery of the Campaign Item is handled by Tri-E Marketing Sdn Bhd. 15. For the purpose of this campaign, retail transaction means the purchase of any goods or services (local and overseas) with the use of the Credit Card and may, at Public Bank s discretion, include any Credit Card transaction as may be determined by Public Bank except for the following transactions but not limited to: a) Flexipay AND Zero Interest Instalment Plan monthly instalment payment. b) Balance Transfer c) Auto-Debit & Recurring Payments d) Payments for utilities, direct marketing, insurance premiums, government related payments, payment via e) Any refund, disputed, unauthorized or fraudulent retail transaction f) Cash Advance / Cash Withdrawal, quasi cash, casino transactions, interest payments, late payment fees, finance charges, annual fees, reversals, payment to charity(ies), Goods and Services Tax and any other form of service / miscellaneous fees

3 50% Cash Back Friday Treats 16. The 50% Cash Back Friday Treats offer is extended to ALL New-To-Bank Credit Cardmembers during the campaign period and to ALL card types. 17. The Eligible Cardmember must perform a one-time SMS registration to participate the 50% Cash Back Friday Treats offer. 18. The 50% Cash Back is only applicable for Dining Transactions only every Friday throughout the campaign period only. 19. Eligible Dining Transaction shall, for the purpose of this Promotion, mean any dining transactions made during Promotion Period that falls under the following Merchant Category Code ( MCC ) as per Public Bank s system:- Category MCC Description 5811 Caterers Dining 5812 Eating Places & Restaurants 5813 Drinking Places 5814 Fast Food Restaurants 20. The 50% Cash Back Friday Treats is capped at RM50 per Cardmember, per month. 21. The monthly 50% Cash Back Friday Treats payment will be credited into the Eligible Cardmember s principal credit card account registered under this offer within FOUR (4) to EIGHT (8) weeks after the end of each subsequent month and shall be reflected in the Eligible Cardmember s credit card statement, itemised as 50% Cash Back Friday Treats. 22. The total allocated cash back for this offer is RM50,000 per month, with a total of RM200,000 for 4 months. 23. Split Dining Transactions are disallowed and shall be disqualified. 24. The Supplementary Cardmembers Dining Transaction made during the Promotion Period will be combined with the Principal Cardmembers Dining Transaction in determining Cash Back amount. For the avoidance of doubt, only the Principal Cardmember will be entitled in the Promotion. 25. The Dining Transaction made during the Promotion Period must be captured by the credit card system maintained by PB in order to be eligible for the participation in the Promotion.

4 RM50 Cash Back, 0% Balance Transfer 26. The RM50 Cash Back, 0% Balance Transfer is extended to ALL New-To-Bank Credit Cardmembers during the campaign period and to ALL card types. 27. The Eligible Cardmember must submit the Balance Transfer application with a minimum of RM5,000 per bank under a 12-month tenure plan within 50 days from card approval date ( BT Qualifying Period ) to be eligible for the one-time 0% interest Balance Transfer. 28. Subject to the available credit line in the Cardmember s Credit Card account. All transfer amounts are up to a maximum of 80% of the total available credit limit. 29. Public Bank reserves the right to approve or reject any application and determine the Outstanding Balance allowed to be transferred at its absolute discretion. 30. An early exit fee of RM100 or 2% on the original Balance Transfer amount (whichever is higher) will be charged if cardmember terminates or discontinues the programme by making full payment prior to the expiry of the tenure. 31. For the 0% Balance Transfer offer, an upfront of 2.5% interest will be charged upon application of the facility. The interest will be waived within 2 months after the end of the BT Qualifying Period and upon fulfilment of all terms and conditions listed. 32. The Eligible Cardmember is only entitled to a one-time payout of RM50 Cash Back throughout the campaign. 33. If there is any dispute or non-receipt of the Luggage Bag, 50% Cash Back Friday Treats and/or the 0% Balance Transfer offer, the Eligible Cardmember is required to contact PB Card Customer Service ( ) by 31 August 2016 at the latest to request an inquiry. All requests for inquiry will not be entertained after 31 August An Eligible Cardmember whose card account(s) has been suspended, cancelled or terminated during the Campaign period will not be entitled to participate in this campaign, Celebrate With PB Cards. 35. The Eligible Cardmember is not allowed to transfer or sell his/her right to the Cash Back and/or Luggage Bag to any other person. 36. The Bank s records of the application and approval dates will be final and conclusive. 37. The Eligible Cardmember is only entitled to a one-time payout of RM50 Cash Back

5 38. General Terms and Conditions 38.1 By participating in this Campaign, the Eligible Cardmember will be deemed to have read, understood and agrees to be bound by the Terms and Conditions stated herein, including decisions of the Bank which are final, binding and conclusive. No correspondence, disputes and appeals will be entertained. The Bank further reserves the exclusive right to change, amend, delete or add on to these Terms and Conditions from time to time with prior notice at website. Such amendments, deletion or addition shall become effective on such date as the Bank may determine. The Eligible Cardmember agrees to be bound by such amendments, deletion or addition The Bank reserves the right to cancel, terminate or suspend the Campaign. For the avoidance of doubt, cancellation, termination or suspension by the Bank of the Campaign shall not entitle the Eligible Cardmember to any claim or compensation against the Bank for any and all loss or damage suffered or incurred by the Eligible Cardmember as a direct and indirect result of the act of cancellation, termination or suspension The Bank shall not be liable, whether direct or consequential, for any loss and damage or whatsoever suffered by the Eligible Cardmember caused directly or indirectly, in whole or in part, from their participation in the Campaign as a result of any act or omission on the part of the Bank The Terms and Conditions herein are in addition to and without prejudice to the Terms and Conditions stated in the Cardmember Agreement applicable to the Eligible Cardmember s Card Account. In the event of any inconsistency between these Terms and Conditions and the said Agreement, these Terms and Conditions shall prevail in so far as they apply to the Celebrate With PB Cards campaign Should you have any further queries on Public Bank Credit Cards, please contact our Customer Service at If there are any queries on redemption or delivery of the Luggage Bag, please contact Tri-e Marketing Sdn Bhd at In the event of a conflict, discrepancy or variance in the terms and conditions in the English Language version and Bahasa Malaysia version, the terms and conditions of the English Language version shall prevail. END

6 Meraikanlah Dengan Kad PB Terma Dan Syarat Tempoh Kempen 1. Kempen ini sah dari 1 Januari 2016 hingga 30 April 2016 ( Tempoh Kempen ). Kelayakan 2. Kempen ini dibuka secara eksklusif kepada Ahli Kad Kredit Utama Public Bank / Public Islamic Bank yang baharu sepanjang tempoh kempen ( Ahli Kad yang Layak ). 3. Mereka yang berikut dikecualikan daripada mengambil bahagian dalam kempen ini:- 3.1 Ahli Kad Utama Public Bank / Public Islamic Bank yang sedia ada; 3.2 Bekas Ahli Kad Kredit Utama Public Bank yang telah membatalkan Kad Kredit PB mereka dalam tempoh satu (1) tahun dari tarikh permohonan sekarang; 3.3 Kakitangan Kumpulan Public Bank, agensi pengiklanan, ahli keluarga terdekat atau mana-mana orang yang mempunyai hubungan dengan pengurusan Kempen; 4. Ahli Kad yang Layak yang memohon Kad Kredit PB melalui kempen Meraikanlah Dengan Kad PB tidak layak untuk Tawaran Pemerolehan Kad Kredit PB yang lain. 5. Kad kredit dan/atau Ahli Kad yang berikut dikecualikan untuk menerima bagasi Valentino Creations 2 buah Bagasi: 5.1 Kad Kredit Emas PB-Petron Visa 5.2 Kad Kredit Emas PB-AIA Visa 5.3 Kad Kredit Platinum Mutual Gold-PB Visa 5.4 Mana-mana orang Ahli Kad PB yang memohon melalui saluran Jualan Langsung Kriteria Penyertaan 6. Ahli Kad yang Layak mesti membuat pendaftaran SMS satu kali untuk mengambil bahagian dalam tawaran Valentino Creations 2 buah Bagasi DAN Pulangan Tunai 50% Setiap Jumaat yang ada dalam kempen ini dengan mengikut contoh yang diberi di bawah:- SMS ke PBCL<jarak>no. kad kredit 16 digit ke Contoh: PBCL

7 Valentino Creations 2 buah Bagasi ( Bagasi ) 7. Ahli Kad yang Layak yang membuat satu urus niaga runcit dalam apa-apa amaun DAN membuat pendaftaran SMS satu kali dalam tempoh 50 hari dari tarikh kad diluluskan ( Tempoh Kelayakan Mendapatkan Bagasi ) akan menerima Bagasi berkenaan. 8. Bagasi tersebut akan dihantar kepada Ahli Kad yang Layak dalam tempoh EMPAT (4) hingga DUA BELAS (12) minggu selepas tamatnya Tempoh Kelayakan dan apabila kesemua terma dan syarat yang disenaraikan dipenuhi. 9. Bagasi tersebut akan dihantar ke alamat surat-menyurat Ahli Kad yang Layak. 10. Ahli Kad yang Layak hanya layak untuk mendapat SATU (1) unit Bagasi sahaja sepanjang tempoh kempen. 11. Bagasi tersebut tidak boleh ditukar dengan tunai, kredit atau barang, sebahagian atau sepenuhnya. 12. Bagasi tersebut tertakluk pada sama ada ia masih ada atau tidak. Sekiranya berlaku sesuatu yang di luar jangkaan, Public Bank berhak untuk menggantikan barang alternatif yang sama atau lebih nilainya. 13. Warna Barang Kempen tertakluk pada sama ada ia masih ada atau tidak. Sekiranya berlaku sesuatu yang di luar jangkaan, Public Bank berhak untuk menukarkan warna barang berkenaan. 14. Penunaian dan penghantaran Barang Kempen diuruskan oleh Tri-E Marketing Sdn Bhd. 15. Bagi tujuan kempen ini, urus niaga runcit bermaksud pembelian apa-apa barang atau perkhidmatan (dalam dan luar negeri) menggunakan Kad Kredit dan boleh juga, atas budi bicara Public Bank, termasuk urus niaga Kad Kredit seperti yang akan ditentukan oleh Public Bank melainkan untuk urus niaga berikut tetapi tidak terhad kepada: a. Flexipay DAN pembayaran ansuran bulanan Pelan Ansuran Sifar Faedah. b. Pindahan Baki c. Pembayaran Debit Auto dan Berulang d. Pembayaran untuk utiliti, pemasaran terus, premium insurans, pembayaran berkaitan kerajaan, pembayaran melalui e. Apa-apa pulangan balik, urus niaga yang dipertikaikan, tidak dibenarkan atau bagi tujuan penipuan f. Pendahuluan Tunai / Pengeluaran Tunai, kuasi-tunai, urus niaga kasino, pembayaran faedah, fi pembayaran lewat, caj kewangan, fi tahunan, penarikbalikan, pembayaran kepada badan-badan kebajikan, Cukai Barang dan Perkhidmatan dan apa-apa jenis fi perkhidmatan/rencam. 2

8 Pulangan Tunai 50% Setiap Jumaat 16. Pulangan Tunai 50% Setiap Jumaat terbuka kepada semua Ahli Kad Kredit Utama Public Bank yang baharu kepada bank sepanjang tempoh kempen dan kepada semua jenis Kad Kredit. 17. Ahli Kad yang layak mesti membuat pendaftaran SMS satu kali untuk mengambil bahagian dalam tawaran Pulangan Tunai 50% Setiap Jummat. 18. Pulangan Tunai 50% ini hanya diterima pakai bagi Urus niaga Menjamu Selera sahaja pada setiap hari Jumaat sepanjang tempoh kempen. 19. Bagi tujuan kempen ini, Urus Niaga Menjamu Selera bermaksud pembayaran sebarang urus niaga manjamu selera yang dilakukan dalam tempoh promosi ini dibawah Kod Kategori Perdagang seperti dalam sistem Public Bank yang berikut:- Kategori Kod Description Menjamu Selera 5811 Katerer 5812 Tempat Menjamu Selera dan Restoran 5813 Pusat Penjualan Minuman Keras 5814 Restoran Makanan Segera 20. Pulangan Tunai 50% Setiap Jumaat dihadkan pada RM50 setiap Ahli Kad, sebulan. 21. Pembayaran bulanan Pulangan Tunai 50% Setiap Jumaat akan dikreditkan dalam akaun kad kredit utama Ahli Kad yang Layak di bawah tawaran ini dalam tempoh EMPAT (4) hingga LAPAN (8) minggu selepas akhir setiap bulan berikutnya dan akan ditunjukkan dalam penyata kad kredit Ahli Kad yang Layak, diperihalkan sebagai Pulangan Tunai 50% Setiap Jumaat. 22. Jumlah pulangan tunai yang diperuntukkan bagi tawaran ini ialah RM50,000 sebulan, berjumlah RM200,000 untuk 4 bulan. 23. Urus niaga Menjamu Selera yang dibahagikan kepada dua atau lebih adalah tidak dibenarkan dan tidak layak. 24. Perbelanjaan yang Layak yang dibuat oleh Ahli Kad Kredit Tambahan yang dibuat semasa Tempoh Promosi akan digabungkan bersama Perbelanjaan yang Layak yang dibuat oleh Ahli Kad Kredit Utama untuk tujuan menentukan jumlah Rebat Tunai. Untuk mengelakkan keraguan, hanya Ahli Kad Kredit Utama layak untuk menerima Rebat Tunai. 25. Perbelanjaan yang Layak yang dibuat semasa Tempoh Promosi mesti direkodkan oleh sistem kad kredit PB untuk layak bagi Promosi ini. 3

9 Pulangan Tunai RM50, Pindahan Baki 0% (BT) 26. Pulangan Tunai RM50, Pindahan Baki 0% terbuka kepada semua Ahli Kad Kredit Utama Public Bank yang baharu sepanjang tempoh kempen dan kepada semua jenis Kad Kredit. 27. Ahli Kad yang Layak mesti mengemukakan permohonan Pindahan Baki dengan minimum sebanyak RM5,000 bagi setiap bank di bawah pelan bertempoh 12 bulan dalam tempoh 50 hari dari tarikh kad diluluskan ( Tempoh Kelayakan BT ) untuk layak mendapatkan Pindahan Baki 0%. 28. Tertakluk pada had kredit yang ada dalam akaun Kad Kredit Ahli Kad. Semua amaun pindahan adalah sehingga maksimum 80% daripada jumlah had kredit yang sedia ada. 29. Public Bank berhak atas budi bicara mutlaknya untuk meluluskan atau menolak apa-apa permohonan dan menentukan Baki Belum Bayar yang dibenarkan untuk dipindahkan. 30. Fi keluar awal sebanyak RM100 atau 2% atas amaun Baki Pindahan asal (mana yang lebih tinggi) akan dicaj jika ahli kad menamatkan atau memberhentikan program itu dengan membuat pembayaran penuh sebelum berakhirnya tempoh berkenaan. 31. Bagi tawaran Pindahan Baki Faedah 0%, faedah awal sebanyak 2.5% akan dicaj semasa permohonan kemudahan dibuat. Faedah itu akan diketepikan dalam tempoh 2 bulan selepas berakhirnya Tempoh Kelayakan BT dan apabila semua terma dan syarat yang tersenarai di atas dipenuhi. 32. Ahli Kad yang Layak hanya layak untuk mendapat pulangan tunai maksimum sebanyak RM50 sahaja sepanjang tempoh kempen. 33. Jika terdapat pertikaian atau Bagasi, Pulangan Tunai 50% Setiap Jumaat dan/atau tawaran Pindahan Baki Faedah 0% tidak diterima, Ahli Kad perlu menghubungi Perkhidmatan Pelanggan Kad PB ( ) selewat-lewatnya pada 31 Ogos 2016 untuk meminta sebarang pertanyaan. Semua pertanyaan tidak akan dilayani selepas 31 Ogos Ahli Kad yang Layak yang akaun kadnya telah digantung, dibatalkan atau ditamatkan semasa tempoh Kempen tidak layak untuk mengambil bahagian dalam kempen Meraikanlah dengan Kad PB ini. 35. Ahli Kad yang Layak tidak dibenarkan untuk memindahkan atau menjual hak untuk mendapatkan Pulangan Tunai dan/atau Bagasi kepada orang lain. 36. Rekod permohonan dan tarikh kelulusan Bank adalah muktamad dan konklusif. 4

10 37. Terma dan Syarat Am 32.1 Dengan mengambil bahagian dalam Kempen ini, Ahli Kad yang Layak dianggap telah membaca, memahami dan bersetuju untuk mematuhi Terma dan Syarat yang dinyatakan di dalam ini, termasuk keputusan Bank yang adalah terakhir, mengikat dan konklusif. Tiada surat-menyurat, pertikaian dan rayuan akan dilayani. Bank mempunyai hak mutlak untuk menukar, meminda, memotong atau menambah Terma dan Syarat ini dari semasa ke semasa dengan memberi notis terlebih dahulu di laman web Pindaan, potongan atau penambahan akan mula berkuat kuasa pada tarikh yang akan ditentukan oleh Bank. Ahli Kad bersetuju untuk terikat dengan pindaan, potongan atau penambahan berkenaan Bank berhak untuk membatalkan, menamatkan atau menangguhkan Kempen ini. Bagi mengelakkan keraguan, pembatalan, penamatan atau penangguhan Kempen ini oleh Bank tidak melayakkan Ahli Kad untuk apa-apa tuntutan atau ganti rugi terhadap Bank bagi semua atau mana-mana kerugian atau kerosakan yang dialami atau ditanggung oleh Ahli Kad yang Layak diakibatkan secara langsung atau tidak langsung daripada tindakan pembatalan, penamatan atau penangguhan berkenaan Bank tidak boleh dipertanggungjawabkan, sama ada secara langsung atau berikutan daripadanya, atas apa-apa kerugian dan ganti rugi atau apa juga pun yang ditanggung oleh Ahli Kad yang disebabkan secara langsung atau tidak langsung, sepenuhnya atau sebahagiannya, daripada penyertaan mereka dalam Kempen ini disebabkan oleh apa-apa tindakan atau ketertinggalan oleh Bank Terma dan Syarat di dalam ini adalah tambahan dan tanpa prejudis kepada Terma dan Syarat yang dinyatakan di dalam Perjanjian Ahli Kad yang diterima pakai bagi Akaun Kad Ahli Kad yang Layak. Sekiranya terdapat pertikaian antara Terma dan Syarat ini dengan Perjanjian tersebut, Terma dan Syarat ini akan diterima pakai setakat mana ia berkaitan dengan kempen Meraikanlah dengan Kad PB Sekiranya anda mempunyai pertanyaan lanjut mengenai Kad Kredit Public Bank, sila hubungi Perkhidmatan Pelanggan kami di Sekiranya terdapat pertanyaan mengenai penebusan atau penghantaran Bagasi, sila hubungi Tri-e Marketing Sdn Bhd di TAMAT 5

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