AmBank / AmBank Islamic Credit Card Acquisition: Rewards for Everyone Programme Terms and Conditions

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1 AmBank / AmBank Islamic Credit Card Acquisition: Rewards for Everyone Programme Terms and Conditions The Programme 1. The AmBank / AmBank Islamic s Credit Card Acquisition Rewards for Everyone Programme ("Programme") will commence from 1 April 2016 to 30 April 2016 (both dates inclusive) ("Programme Period"). 2. The Programme is open to everyone who apply for an AmBank / AmBank Islamic Principal Credit Card for the first time during the Programme Period. 3. Applicable to Visa Infinite, World MasterCard, Visa Signature, Platinum, Gold, CARz, TRUE and AmBank Cosway card only except AmBank M-Card, Visa Imagine Card and Classic card. 4. The Programme is only applicable to all New-To-Bank AmBank / AmBank Islamic Cardmembers. Cards cancelled less than twelve (12) months from date of application and reapplied during the Programme Period will not be considered as New-To-Bank Cardmembers. 5. The following are NOT qualified to participate in this Programme: a. Existing AmBank / AmBank Islamic / MBF Cardmembers; b. Existing AmBank Cardmembers applying for new AmBank Islamic Credit Card (or vice versa); c. Existing Supplementary Cardmembers applying for new Principal Card; d. AmBank Group staff; e. A former AmBank / AmBank Islamic / MBF Cardmembers whose credit card was cancelled less than twelve (12) months from the date of the application and reapplied AmBank / AmBank Islamic Credit Card under this Programme; AND f. Customer who is in default of payment of sums due / suspected of committing any fraudulent, unlawful and illegal acts in relation to the Customer s AmBank / AmBank Islamic Bank Credit Card Account, and/or any other facilities or services with AmBank / AmBank Islamic. Programme Mechanic 6. All approved New-To-Bank Principal Cardmembers that fulfill the following criteria will be rewarded: Qualified Cardmembers Spending criteria Rewards New-To-Bank Principal Cardmembers New-To-Bank Principal Cardmembers Apply for an AmBank / AmBank Islamic Credit Card; and Perform minimum cumulative retail transactions of RM800 within 2 months from card approval date Apply for an AmBank / AmBank Islamic Credit Card; and Perform minimum cumulative retail transactions of RM1,300 within 2 months from card approval date 1 unit of Oster MyBlend Personal Blender Cash rebate of RM On top of that, New-To-Bank Principal Cardmembers also can enjoy 0% Balance Transfer for 12 months with minimum transfer amount of RM4,000. (Please refer Clause below for further information). 8. A Cardmember is only entitled to one (1) reward (either blender OR cash rebate), regardless of the number of the credit cards applied during the Programme Period. 1 P a g e

2 9. All application forms with complete documents must be submitted submit and reached the Bank within the Programme Period, i.e. from 1 April 2016 to 30 April 2016 (both dates inclusive). Proof of date sent and / or postage does not constitute receipt of application form by the Bank. The Bank s date of receipt of application form shall prevail. 10. A Qualified Cardmember whose credit card has been suspended, cancelled or terminated during this Programme Period will not be entitled to any reward. 11. The Bank reserves the right to reject or approve the application at its absolute discretion without any reason and prior notification to the customer. 12. For purposes of this Programme, Eligible Retail Transactions means the purchase of any goods or services (local and international) with the use of the new credit card and may, at the Bank s absolute discretion, include any card transaction as may be determined by the Bank except for the following transactions: a. Easy Payment Plan, Balance Transfer, QuickCash and Cash Advance; and/or b. Any form of refund; and/or c. Any dispute, unauthorized or fraudulent retail transaction; and/or d. Interest / Management Fee payments, late payment charges, charges for cash withdrawals, Government Service Tax, Goods and Services Tax and any other form of service/miscellaneous fees. Balance Transfer 0% Mechanics 13. The minimum amount for the Balance Transfer shall be RM4,000 and maximum amount shall not exceed RM30,000 per Cardmember throughout the Programme Period and applicable to Balance Transfer from credit card / charge card of other banks ( Balance Transfer Amount ). Approval shall subject to the Cardmember s available credit limit. 14. The instalment tenure of the Balance Transfer shall be twelve (12) months or such other period as specified by the Bank from time to time with prior notice of at least twenty-one (21) calendar days. Each instalment amount will be proportionately computed and billed accordingly to the Cardmember s Card s Account on the billing date of each month and over the instalment tenure and/or until the full settlement of the instalments. E.g.: for approved Balance Transfer amount of RM4,000, the monthly instalment is computed as follows : RM4,000 / 12 months = First month RM337.00, subsequent month RM for 11 months. 15. In accordance with the Cardmember Agreement, if the instalment amount is not paid in full on the payment due date, the prevailing Card interest / finance charge or such rate as prescribed by the Bank with prior notice of at least twenty-one (21) calendar days from time to time at the Bank s absolute discretion will be chargeable on: a. The outstanding instalment amount (together with all the specified interest / fee chargeable herein) remaining unpaid on the due date from the posting date until the full payment is credited into the Cardmember s account. 16. All outstanding instalments with its respective interest /fee for the entire instalment tenure shall immediately become due and payable in any early settlement. For the avoidance of doubt, any cancellation of the Card shall be regarded as an early settlement under the Programme and the Bank shall have the right to claim and be paid with all outstanding instalments with its respective interest/fee for the entire instalment tenure and/or until the full settlement of the outstanding instalments, due to the aforesaid reason. 17. Regardless of whether an Event of Default (as defined under the Cardmember Agreement) has occurred, the Bank shall be entitled at its absolute discretion at anytime, without having to assign any reason to the Cardmember to terminate the Programme facility made available to the Cardmember, whereupon all outstanding monthly instalments with the respective interest rate shall immediately become due and payable upon the Bank s demand of the same by notice in writing to the Cardmember. All such outstanding Balance Transfer amount will be shown in the monthly 2 P a g e

3 statement and the Cardmember shall pay the same in accordance to the provisions of these Terms and Conditions and the Cardmember Agreement in default of which, the Bank shall be entitled to exercise its rights herein and under the Cardmember Agreement. 18. The Bank may defer, suspend or reject any application for the Programme in the event the outstanding balance or amount requested exceeds the Cardmember s credit limit, or the outstanding balance or amount requested does not meet the minimum prescribed transfer or request amount, or if the Cardmember s account has insufficient available balance, or such other reason as may be deemed fit by the Bank at its absolute discretion. Where the Cardmember s application is successful, payment to credit card accounts with the other credit card issuers/financial institutions will be made in the manner provided herein. 19. Signature of the Cardmember on the application form or consent obtained via phone call will be deemed conclusive proof of the Cardmember s instruction to the Bank to directly settle and pay the outstanding balance of the credit card/charge card provided by other card issuers/financial institutions to the requested credit card issuers/financial institutions, on behalf of the Cardmember. 20. The Balance Transfer Amount shall be reserved from the total credit limit of the Cardmember and shall not be made available for usage. A corresponding amount of the amount of instalment paid by the Cardmember will be progressively restored on monthly basis into the Cardmember s credit limit subject to application of payment under Clause 23 below. 21. This Programme shall be made applicable in the following events: a. It is applicable on outstanding balance of credit card/charge card transferred from other card issuers credit or charge cards issued in Malaysia only. b. Payment to the respective card issuer/financial institution(s) shall be effected by the Bank upon approval of the Programme application. The amount payable is as approved by the Bank and as per transcribed on the application form or obtained via phone call. c. Payment of the Balance Transfer Amount will be made to the respective card issuer / financial institution via direct credit to respective card issuer s / financial institution s account via InterBank GIRO. d. Notwithstanding the Terms and Conditions herein, the Cardmember shall continue and remain liable to the card issuers/financial institutions for the facilities enjoyed by the Cardmember in accordance to the terms governing the same. e. The Bank in implementing the Programme shall not be liable to Cardmember for any interest rate or any other finance charges imposed by the other card issuers / financial institutions caused by a delay or failure on the part of the Bank in paying the outstanding balance, notwithstanding the Bank s approval of Cardmember s balance transfer application, to the other card issuers/financial institutions concerned. f. The Bank has the absolute right to approve and transfer the whole or part of the amount applied for with prior notification to the Cardmember. The Bank is not obliged to assign any reason to the Cardmember in respect of its decision. 22. Payments made by the Cardmember to the Card Account will be used to pay off outstanding amounts that attract the highest finance charges rate first. 23. The Bank shall be entitled to debit RM from the Cardmember s account for any early settlement of the amount ahead of the instalment tenure. All outstanding instalments with its respective interest / management fee for the entire tenure shall immediately become due and payable in any early settlement. For the avoidance of doubt, any cancellation of the Card shall be regarded as an early settlement under the Programme and the Bank shall similarly be entitled to debit the amount of RM from the Cardmember s account and shall have the right to claim and be paid with all outstanding instalments with its respective interest/management fee for the entire tenure, due to the aforesaid reason. 3 P a g e

4 Reward Fulfilment 24. The blender will be delivered to the qualified Principal Cardmembers billing address furnished as captured in the Bank s record between eight (8) to ten (10) weeks after the two (2) months spending period. Request to redirect the delivery to another address will not be entertained. 25. The cash rebate will be credited into the qualified Principal Cardmember s credit card within six (6) to eight (8) weeks after the two (2) months spending period. 26. Visual of the blender shown in printed materials and/or website are for illustration purpose only. Such visual may not depict the actual colour of the blender and does not include any additional accessories. 27. The Bank makes no representation or warranty with respect to the quality of the blender and shall not be responsible to replace any lost, stolen or defective blender (whether due to defects in materials or workmanship by manufacturer under warranty or otherwise). The Qualified Cardmembers are to deal directly with the manufacturer for such warranty information or claim. 28. The credit card account(s) must be in good standing during the Programme Period in order to be entitled to the reward. General Terms and Conditions 29. By participating in this Programme, each and every Cardmember agrees that they have read, understood the Terms and Conditions herein and agree to be bound by the decision of the Bank and this Programme s Terms and Conditions and any other relevant Terms and Conditions that the Bank may impose from time to time with at least twenty-one (21) days prior notice. 30. The Bank shall not be responsible or liable for any failure by any Cardmember to participate in the Programme at any time due to any network, communication or system error, interruption and / or failure. 31. The rewards are not exchangeable for credit or any other kind of products and not transferable to any parties. 32. Notwithstanding any provision to the contrary herein it is agreed that the Bank shall not be held liable for any costs, expenses or damages that may be incurred or suffered as a result of the Bank being unable to comply strictly with the Terms and Conditions of this Programme due to the occurrence of an event of force majeure. The term force majeure shall mean any event or cause outside the control of the Bank, including without limiting the generality of the foregoing: a. a revolution, civil commotion, riots, wars, terrorism, hostilities, sabotage, armed conflict, embargoes; b. explosions, accidents, acts of God, natural catastrophes including but not limited to earthquake, floods, storms, landslides, fire; c. strike, lockouts, labour disputes or other industrial disturbances (affecting the performance of this Terms and Conditions) which cause or can reasonably be expected to cause the Bank to fail to comply with its obligations; d. failure, explosions, breakage or accident to machinery, installations, electrical cables, lines, power generation plants, power stations, national electricity grid, high tension electricity cables or the like thereof. 33. Cardmembers are allowed to choose to enter into contract either in English or Bahasa Malaysia version. The contract entered in that language will be the contract exhibited in the court of law. 34. All Cardmembers shall be required to adhere to the Programme s Terms and Conditions. The Bank reserves the right to forfeit the reward(s) in the event any of the Terms and Conditions are not adhered to. 4 P a g e

5 35. The Terms and Conditions herein are to be read together with and are supplementary to the standard Terms and Conditions of AmBank / AmBank Islamic s Cardmember Agreement ( Cardmember Agreement ). 36. In the event of discrepancies or inconsistencies between the Programme s Terms and Conditions and the Cardmember Agreement, the Programme s Terms and Conditions shall prevail in so far as it concerns the Programme. 37. The Terms and Conditions contained herein as well as the Bank s decision on all matters relating to this Programme including the card approval decision shall be final, conclusive and binding. 38. The Bank reserves the right to change, amend, delete or add on to these Terms and Conditions and to cancel, terminate, suspend or extend this Programme with at least twenty-one (21) days prior notice. The Cardmembers shall not be entitled to claim for any compensation against the Bank for any and all loss and damage suffered by the Cardmembers whether as a direct or indirect result of the act of amendments, cancellation, termination or suspension of this Programme. 39. The Bank reserves the right to: a. decline the eligibility of any Cardmember to participate in the Programme for any reason whatsoever as the Bank may in its absolute discretion deem fit. In particular, the Bank shall have the absolute right to decline the eligibility of a Cardmember who has performed an Eligible Retail Transaction within the meaning of these Terms and Conditions, in a manner or pattern which the Bank deems to be abnormal, irregular and/or is indicative of an attempt to obtain an unfair advantage over other Cardmembers with normal/regular spending patterns, and the Bank s decision in this matter shall be final and conclusive on all Cardmembers; b. forfeit the reward(s) in the circumstance where there is reversal of Eligible Transactions or termination of AmBank / AmBank Islamic Credit Card during the Programme Period and/or at the point of reward of the reward(s); or non-compliance to the terms and conditions herein; c. amend the Total Units allocated for prize(s) and/or replace the reward(s) herein with a similar value at its absolute discretion, by way of posting on the website, or in any other methods which the Bank deem practical, in order to give prior notice to qualified Principal Cardmembers; and d. add, delete or amend the terms and conditions herein, wholly or in part, or to terminate this Programme at its absolute discretion, by way of posting on the AmBank website, or in any other methods which the Bank deems practical, in order to give a prior notice to Cardmembers on such addition, deletion or amendment of the terms and conditions or termination of this Programme. 40. Cardmember is advised to refer to ambank.com.my from time to time for the latest Terms and Conditions. 41. Cardmember is advised to read and understand the AmBank Group Privacy Notice, which is available at website (ambank.com.my) and branches. 42. The Bank may disclose Cardmember s personal information to AmCard Services Berhad for outsourcing of business operations and other AmBank Group companies for purposes of marketing of products and services. If the Cardmember decides later not to receive marketing information from AmBank Group of the same, Cardmembers are advised to either call (AmBank Group) or to customercare@ambankgroup.com to inform of the same. 43. All Terms and Conditions stipulated herein are governed by and construed in accordance with the laws of Malaysia and any legal disputes shall be commenced and heard in courts in Kuala Lumpur. Version: March P a g e

6 Pemerolehan Kad Kredit AmBank / AmBank Islamic Program Ganjaran untuk Semua Terma dan Syarat Program 1. Pemerolehan Kad Kredit AmBank / AmBank Islamic Program Ganjaran untuk Semua ("Program") akan bermula dari 1 April 2016 sehingga 30 April 2016 (termasuk kedua-dua tarikh) ( Tempoh Program ). 2. Program ini terbuka kepada semua yang memohon Kad Kredit Utama AmBank / AmBank Islamic bagi pertama kali semasa Tempoh Program. 3. Terpakai kepada Kad Visa Infinite, World MasterCard, Visa Signature, Platinum, Gold, CARz, TRUE dan kad AmBank Cosway sahaja, kecuali AmBank Kad-M, Kad Visa Imagine dan Kad Klasik. 4. Program ini hanya sah untuk semua Kad kredit AmBank / AmBank Islamic baharu kepada pihak Bank (Ahli Kad yang layak). Kad kredit yang dibatalkan kurang daripada dua belas (12) bulan dari tarikh kelulusan dan memohon semula dalam Tempoh Program tidak akan dianggap sebagai Ahli Kad Baharu-Kepada-Bank. 5. Berikut adalah mereka yang TIDAK layak untuk menyertai Program ini: a. Ahli Kad AmBank / AmBank Islamic / MBF sedia ada; b. Ahli Kad AmBank sedia ada memohon untuk Kad Kredit AmBank Islamic yang baharu (atau sebaliknya); c. Ahli Kad Tambahan sedia ada memohon untuk Kad Utama baharu; d. Kakitangan Kumpulan AmBank; e. Bekas Ahli Kad kredit AmBank / AmBank Islamic / MBF yang kad kredit dibatalkan kurang daripada dua belas (12) bulan dari tarikh kelulusan dan memohon semula untuk kad kredit AmBank / AmBank Islamic di bawah Program ini; DAN f. Pelanggan yang ingkar membuat pembayaran wang yang perlu dibayar / disyaki melakukan sebarang tindakan penipuan, menyalahi undang-undang dan tidak sah berhubung dengan Akaun Kad Kredit AmBank / AmBank Islamic, dan /atau mana-mana kemudahan atau perkhidmatan yang lain dengan AmBank / AmBank Islamic. Mekanisma Program 6. Sepanjang Tempoh Program ini, Ahli Kad Utama Baharu-Kepada-Bank yang memenuhi kriteria akan diberi ganjaran seperti berikut: Ahli Kad yang Layak Kriteria perbelanjaan Ganjaran Ahli Kad Kredit Utama Baharu- Kepada-Bank Memohon untuk Kad Kredit AmBank / AmBank Islamic; dan Melakukan minimum transaksi runcit terkumpul sebanyak RM800 dalam tempoh 2 bulan dari tarikh kelulusan kad 1 unit Oster MyBlend Personal Blender Ahli Kad Kredit Utama Baharu- Kepada-Bank Memohon untuk Kad Kredit AmBank / AmBank Islamic; dan Melakukan minimum transaksi runcit terkumpul sebanyak RM1,300 dalam tempoh 2 bulan dari tarikh kelulusan kad Rebat Tunai sebanyak RM Tambahan pula, Ahli Kad Utama Baharu-Kepada-Bank juga boleh menikmati 0% Pindahan Baki selama 12 bulan dengan minimum jumlah pemindahan RM4,000. (Sila rujuk Fasal di bawah untuk keterangan lanjut). 6 P a g e

7 8. Seorang Ahli Kad hanya layak mendapat satu (1) ganjaran (sama ada blender atau rebat tunai), tanpa mengira bilangan kad kredit dipohon semasa Tempoh Program. 9. Semua borang permohonan bersama dengan dokumen yang lengkap mesti dihantar dan diterima oleh pihak Bank dalam tempoh Program, iaitu dari 1 April 2016 sehingga 30 April 2016 (termasuk kedua-dua tarikh). Bukti tarikh penghantaran dan/atau pos tidak bermaksud pihak Bank telah menerima borang permohonan. Tarikh penerimaan borang permohonan oleh pihak Bank akan digunapakai. 10. Ahli Kad yang layak tetapi Kad Kredit telah digantung, dibatalkan atau ditamatkan semasa Tempoh Program ini tidak akan layak untuk sebarang ganjaran. 11. Pihak Bank mempunyai hak untuk menolak atau meluluskan permohonan itu sebagai budi bicara mutlaknya tanpa apa-apa sebab dan pemberitahuan terlebih dahulu kepada Ahli Kad. 12. Untuk tujuan Program ini, "Transaksi Runcit Layak" bermaksud pembelian apa-apa barang atau perkhidmatan (tempatan dan antarabangsa) dengan penggunaan kad kredit dan boleh, pada budi bicara mutlak pihak Bank, termasuk apa-apa urus niaga kad sebagaimana yang ditentukan oleh pihak Bank kecuali urus niaga berikut: a. Pelan Bayaran Mudah, Pindahan Baki dan Pendahuluan Tunai; dan / atau b. Sebarang bentuk pembayaran balik; dan / atau c. Transaksi runcit yang dipertikaikan dan tidak dibenarkan atau penipuan; dan / atau d. Bayaran faedah / yuran pengurusan, caj lewat bayar, caj untuk pengeluaran tunai, Cukai Perkhidmatan Kerajaan, Cukai Barang dan Perkhidmatan dan apa-apa bentuk perkhidmatan / yuran tambahan. Mekanisma Pindahan Baki 0% 13. Jumlah minimum untuk Pindahan Baki adalah RM4,000 dan jumlah maksimum tidak boleh melebihi RM30,000 bagi setiap Ahli Kad sepanjang Tempoh Program dan sah ke atas pindahan baki dari kad kredit / kad caj (Jumlah Pindahan Baki). Kelulusan adalah tertakluk kepada had kad sedia ada Ahli Kad. 14. Tempoh ansuran Program ini adalah dua belas (12) bulan atau lain-lain tempoh yang dinyatakan oleh pihak Bank dari semasa ke semasa dengan notis terdahulu sekurang-kurangnya dua-puluh satu (21) hari kalendar. Setiap jumlah ansuran akan dikira sama rata dan dibil sewajarnya ke akaun Kad Ahli Kad pada tarikh penyata setiap bulan dan sepanjang Tempoh Ansuran dan / atau sehingga penyelesaian penuh ansuran. Contoh: untuk jumlah pindahan baki yang diluluskan sebanyak RM1,000, ansuran bulanan dikira seperti berikut: RM4,000 / 12 bulan = bulan pertama RM337.00, bulan berikutnya RM untuk 11 bulan. 15. Mengikut Perjanjian Ahli Kad, sekiranya jumlah ansuran tidak dibayar sepenuhnya pada tarikh akhir bayaran, kadar faedah Kad kredit yang lazim yang ditetapkan di dalam Perjanjian Ahli Kad atau kadar tertentu yang ditetapkan oleh pihak Bank dengan notis terdahulu sekurang-kurangnya dua-puluh satu (21) hari kalendar dari masa ke semasa atas budi bicara mutlaknya akan dikenakan ke atas: a) Jumlah ansuran tertunggak (bersama dengan semua faedah / yuran yang boleh dicaj di sini) yang masih belum dibayar pada tarikh matang dari tarikh dicatatkan sehingga bayaran penuh di kreditkan ke dalam akaun milik Ahli Kad. 16. Semua ansuran belum jelas bersama kadar faedah / yuran pengurusan yang berkenaan akan dianggap matang dan perlu dibayar sekiranya terdapat Penjelasan Awal dibuat. Untuk mengelakkan sebarang keraguan, sebarang pembatalan kad akan dianggap sebagai Penjelasan Awal di bawah Promosi ini dan berhak untuk menuntut dan untuk dibayar dengan semua ansuran belum jelas bersamaan dengan faedah / yuran pengurusan / yuran untuk keseluruhan Tempoh berkaitan dengan perkara tersebut. 17. Tidak kira samaada Kegagalan Membayar (seperti yang dinyatakan di bawah Perjanjian Ahli Kad) telah berlaku, pihak Bank berhak atas budi bicara mutlaknya pada bila-bila masa, tanpa perlu memberikan sebarang sebab kepada Ahli Kad untuk menamatkan Program yang ditawarkan kepada 7 P a g e

8 Ahli Kad, dan dalam keadaan tersebut, semua ansuran bulanan belum jelas dengan kadar faedah yang berkenaan akan menjadi matang dan perlu dibayar apabila diminta oleh pihak Bank dengan memberi notis bertulis kepada Ahli Kad. Segala jumlah Pindahan Baki tertunggak akan dinyatakan di dalam penyata bulanan dan Ahli Kad haruslah membayar jumlah tersebut seperti yang telah diperuntukkan di dalam Terma dan Syarat ini dan Perjanjian Ahli Kad, sekiranya gagal berbuat demikian, pihak Bank berhak untuk melaksanakan haknya di sini di bawah Perjanjian Ahli Kad. 18. Pihak Bank boleh menangguhkan, menggantung atau menolak sebarang permohonan untuk Program ini dalam sebarang keadaan termasuk tetapi tidak terhad kepada, sekiranya baki tertunggak atau jumlah yang dipohon melebihi had kredit Ahli Kad atau baki tertunggak atau jumlah yang dipohon tidak menepati had minimum permindahan yang ditetapkan atau akaun Ahli Kad tidak mempunyai baki sedia ada yang mencukupi atau sebarang sebab lain yang dianggap sesuai oleh pihak Bank atas budi bicara mutlaknya. Di mana permohonan Ahli Kad berjaya, pembayaran ke akaun pinjaman/pembiayaan dengan pengeluar kad / institusi kewangan yang lain yang berkaitan dengan pindahan baki akan dibuat mengikut kaedah yang dinyatakan di sini. 19. Tandatangan Ahli Kad di atas borang permohonan atau persetujuan melalui panggilan telefon akan dianggap sebagai bukti muktamad arahan Ahli Kad kepada pihak Bank untuk menyelesaikan dan membayar baki tertunggak kad kredit / kad caj kepada pengeluar kad atau institusi kewangan yang lain. 20. Jumlah Pemindahan Baki akan diperuntukan dari jumlah had Kad kredit Ahli Kad dan tidak disediakan untuk penggunaan. Jumlah yang sama dengan jumlah ansuran yang dibayar oleh Ahli Kad akan dilepaskan secara berperingkat pada setiap bulan ke dalam had kredit Ahli Kad tertakluk kepada aplikasi pembayaran di bawah Fasal 23 di bawah. 21. Program ini sah dalam keadaan berikut: a. Pindahan baki sah untuk baki tertunggak kad kredit atau kad caj yang dipindahkan dari pengeluar kad kredit atau kad caj lain yang dikeluarkan di Malaysia sahaja. b. Pembayaran kepada pengeluar kad atau institusi kewangan yang dinyatakan berkuatkuasa bagi pihak Bank setelah permohonan Program diluluskan. Jumlah yang perlu dibayar adalah seperti yang diluluskan oleh pihak Bank dan seperti yang dinyatakan di dalam borang permohonan atau arahan yang diterima daripada panggilan telefon. c. Pembayaran Jumlah Pindahan Baki akan dibuat kepada pengeluar kad atau institusi kewangan melalui kredit terus ke dalam akaun pengeluar kad atau institusi kewangan tersebut melalui GIRO Antara Bank. d. Tanpa mengambil kira syarat-syarat dan peraturan yang dinyatakan di sini, Ahli Kad akan terus dan masih bertanggungjawab ke atas pengeluar kad atau institusi kewangan untuk kemudahan yang dinikmati oleh Ahli Kad berdasarkan syarat-syarat yang ditetapkan. e. Pihak Bank yang melaksanakan Program ini tidak akan bertanggung jawab ke atas Ahli Kad untuk sebarang kadar faedah atau apa-apa faedah lain yang dikenakan kepada Ahli Kad oleh pengeluar kad atau institusi kewangan lain disebabkan oleh kelewatan atau kegagalan pihak Bank dalam menjelaskan baki tertunggak, tanpa mengambil kira kelulusan permohonan Ahli Kad oleh pihak Bank, kepada pengeluar kad atau institusi kewangan lain yang berkaitan. f. Pihak Bank mempunyai hak mutlak untuk melulus dan memindahkan seluruh atau sebahagian daripada jumlah baki tertunggak yang ditetapkan dengan notis terdahulu kepada Ahli Kad. Pihak Bank berhak untuk tidak menyatakan sebab keputusannya kepada Ahli Kad mengikut budi bicaranya. 22. Pembayaran yang dibuat oleh Ahli Kad kepada Akaun Kad kredit akan digunakan untuk menyelesaikan apa-apa jumlah tertunggak yang dikenakan caj kewangan tertinggi terlebih dahulu. 23. Bank berhak untuk mendebit RM100 daripada akaun Ahli Kad bagi sebarang penjelasan amaun ansuran yang lebih awal daripada tempoh ansuran. Semua ansuran bulanan tertunggak bersama dengan kadar faedahnya / kadar yuran pengurusannya, akan serta-merta matang tempohnya, dan perlu dijelaskan sepenuhnya. Untuk mengelakkan keraguan, sebarang pembatalan kad akan dianggap sebagai penjelasan awal di bawah Program dan Bank juga berhak untuk mendebit RM100 daripada akaun Ahli Kad dan berhak untuk menuntut dan dibayar dengan segala ansuran tunggakan bersama faedah / yuran pengurusan/kos masing-masing untuk keseluruhan tempoh, akibat daripada sebab tersebut di atas. 8 P a g e

9 Pemenuhan Ganjaran 24. Blender tersebut akan dihantar ke alamat bil Ahli Kad Utama yang layak yang diberikan dan mengikut rekod pihak Bank antara lapan (8) hingga sepuluh (10) minggu selepas tempoh perbelanjaan dua (2) bulan. Permintaan untuk penghantaran ke alamat lain tidak akan dilayan. 25. Rebat tunai pula akan dikreditkan ke dalam kad kredit Ahli Kad Utama yang layak dalam tempoh enam (6) hingga lapan (8) minggu selepas tempoh perbelanjaan dua (2) bulan. 26. Visual blender yang dipaparkan dalam bahan bercetak dan/atau laman web hanyalah untuk tujuan ilustrasi sahaja. Visual tersebut tidak menggambarkan warna sebenar blender tersebut dan tidak termasuk sebarang aksesori tambahan. 27. Pihak Bank tidak memberi representasi atau jaminan berkenaan dengan kualiti blender tersebut dan tidak akan bertanggungjawab untuk menggantikan mana-mana blender yang hilang, dicuri atau rosak (sama ada disebabkan oleh kecacatan dalam bahan atau mutu kerja oleh pengilang di bawah jaminan atau sebaliknya). Ahli Kad berkelayakan hendaklah berurusan secara langsung dengan pengeluar untuk maklumat atau tuntutan jaminan tersebut. 28. Akaun kad kredit mestilah dalam keadaan yang baik semasa Tempoh Program untuk layak mendapatkan ganjaran ini. Terma dan Syarat Umum 29. Dengan menyertai Program ini, Ahli-Ahli Kad bersetuju kepada Terma dan Syarat Program ini. Setiap Ahli Kad bersetuju bahawa mereka telah membaca, memahami Terma dan Syarat di sini dan bersetuju untuk terikat dengan keputusan pihak Bank dan sebarang Terma dan Syarat yang mungkin dikenakan oleh pihak Bank dari semasa ke semasa yang berkaitan dengan notis sekurang-kurangnya dua-puluh (21) hari terdahulu. 30. Pihak Bank tidak bertanggungjawab atas sebab kegagalan oleh mana-mana Ahli Kad untuk menyertai Program ini pada bila-bila masa melalui mana-mana rangkaian, komunikasi atau sistem, gangguan dan / atau kegagalan. 31. Ganjaran ini tidak boleh ditukar dengan kredit atau mana-mana jenis produk lain dan tidak boleh dipindah milik kepada mana-mana pihak. 32. Di atas mana-mana peruntukan di sini yang bertentangan, ia adalah dipersetujui bahawa pihak Bank tidak akan bertanggungjawab atas sebarang kos, perbelanjaan atau kerosakan yang mungkin dialami atau ditanggung akibat daripada berlakunya peristiwa force majeure. Istilah "force majeure " bermakna mana-mana peristiwa atau sebab di luar kawalan pihak Bank, termasuk tanpa menghadkan perkara umum tersebut: a. revolusi, kekecohan awam, rusuhan, peperangan, keganasan, permusuhan, sabotaj, konflik bersenjata, sekatan ; b. letupan, kemalangan, bencana alam, termasuk tetapi tidak terhad kepada gempa bumi, banjir, ribut, tanah runtuh, kebakaran; c. mogok, sekat masuk kerja, pertikaian buruh atau gangguan perindustrian lain (mempengaruhi prestasi Terma dan Syarat ini ) yang menyebabkan atau musibahnya dapat dijangka menyebabkan Pihak Bank gagal untuk mematuhi obligasinya; d. kegagalan, letupan, kerosakan atau kemalangan kepada jentera, pemasangan, kabel elektrik, talian, loji penjanaan kuasa, stesen kuasa, grid elektrik negara, kabel elektrik tegangan tinggi atau yang seumpamanya. 33. Ahli Kad dibenarkan untuk memilih dan mematuhi Terma dan Syarat ini sama ada dalam Bahasa Inggeris atau versi Bahasa Malaysia. Terma dan Syarat yang ditandatangani dalam pilihan bahasa akan digunakan sekiranya diperlukan di mahkamah. 34. Semua Ahli Kad dikehendaki mematuhi Terma dan Syarat Program ini. Pihak Bank mempunyai hak untuk membatalkan kelayakan Ahli Kad sekiranya mana-mana Terma dan Syarat ini tidak dipatuhi. 9 P a g e

10 35. Terma dan Syarat ini hendaklah dibaca bersama-sama dengan dan adalah tambahan kepada Terma dan Syarat standard Perjanjian Ahli Kad AmBank / AmBank Islamic ("Perjanjian Ahli Kad"). 36. Sekiranya berlaku percanggahan atau tidak konsisten di antara Terma dan Syarat Program ini dan Perjanjian Ahli Kad, Terma dan Syarat Program ini akan diguna pakai setakat yang ia melibatkan Program ini. 37. Terma dan Syarat yang terkandung di sini dan juga keputusan Pihak Bank ke atas semua perkara yang berhubungan dengan Program ini termasuk keputusan kelulusan Kad adalah muktamad dan mengikat. 38. Pihak Bank berhak untuk menukar, meminda, memotong atau menambah kepada Terma dan Syarat ini; untuk membatalkan, menamatkan, menggantung atau melanjutkan Program ini dengan memberi sekurang-kurangnya dua-puluh (21) hari notis terlebih dahulu. Ahli Kad tidak berhak untuk menuntut apa-apa pampasan terhadap Bank bagi sebarang dan semua kerugian dan kerosakan yang ditanggung oleh Peserta yang sama ada secara langsung atau tidak langsung daripada tindakan pindaan, pembatalan, penamatan atau penggantungan Program ini. 39. Pihak Bank berhak mengikut budi bicara mutlaknya untuk: a. menolak kelayakan mana-mana Pemegang Kad untuk menyertai Program ini atas apa jua sebab. Khususnya, pihak mempunyai hak mutlak untuk menolak kelayakan Ahli Kad yang telah melakukan satu "Transaksi yang Layak" dalam pengertian terma dan syarat ini, dalam satu cara atau corak yang pihak Bank dianggap tidak normal, tidak teratur dan / atau menunjukkan usaha untuk mendapatkan kelebihan yang tidak adil ke atas Ahli Kad yang lain dengan corak perbelanjaan normal / biasa, dan keputusan pihak Bank dalam perkara ini adalah muktamad dan tidak boleh dipertikaikan ke atas semua Ahli Kad; b. membatalkan ganjaran (-ganjaran) di dalam keadaan di mana terdapat pembalikan Transaksi Layak atau penamatan Kad Kredit AmBank / AmBank Islamic dalam Tempoh Program dan/atau pada ketika pemberian Ganjaran; atau ketidakpatuhan kepada terma dan syarat yang terkandung di sini; c. meminda jumlah unit yang diperuntukkan untuk ganjaran dan / atau menggantikan ganjaran-ganjaran di sini dengan nilai yang sama mengikut budi bicaranya melalui pemberitahuan di laman web Bank, atau mana-mana kaedah lain yang pihak Bank difikirkan praktikal untuk memberi notis terlebih dahulu kepada Ahli Kad yang layak; d. menambah, mengeluar atau meminda terma dan syarat ini, secara keseluruhan atau sebahagiannya, atau untuk menamatkan Program ini mengikut budi bicara mutlaknya, melalui pemberitahuan di laman web AmBank, atau dalam mana-mana cara lain yang difikirkan praktikal oleh pihak Bank, untuk memberikan notis terlebih dahulu kepada Ahli Kad, mengeluarkan atau meminda terma-terma dan syarat-syarat atau penamatan Program ini. 40. Ahli Kad adalah dinasihatkan untuk merujuk kepada laman web ambankgroup.com dari masa ke semasa untuk Terma dan Syarat terkini. 41. Ahli Kad adalah dinasihatkan untuk membaca dan memahami Notis Privasi AmBank Group, yang boleh didapati di laman web (ambank.com.my) dan cawangan-cawangan. 42. Ahli Kad juga bersetuju pihak Bank boleh mendedahkan maklumat peribadi Ahli Kad kepada AmCard Services Berhad bagi tujuan penyumberan luar operasi perniagaan dan kepada syarikat-syarikat Kumpulan AmBank untuk promosi dan pemasaran produk dan perkhidmatan. Sekiranya Ahli Kad ingin memilih-keluar (opt-out) dari menerima bahan pemasaran dari Kumpulan AmBank, Ahli Kad hanya perlu memberitahu dengan menelefon atau e-mel kepada customercare@ambankgroup.com. 43. Semua Terma dan Syarat yang ditetapkan di sini adalah ditadbir dan ditafsirkan mengikut undangundang Malaysia dan sebarang pertikaian undang-undang boleh dibicarakan dan didengar di mahkamah di Kuala Lumpur. Versi: Mac P a g e

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