ANZ Credit Card Rewards Programme Terms and Conditions

Size: px
Start display at page:

Download "ANZ Credit Card Rewards Programme Terms and Conditions"

Transcription

1 ANZ Credit Card Rewards Programme Terms and Conditions Participation 1. The ANZ Credit Card Rewards Programme is open to Principal Cardmembers of the ANZ Signature Priority Banking Credit Card, ANZ Platinum Credit Card and ANZ Switch Platinum Credit Card, or such other credit cards issued by Australia and New Zealand Banking Group Limited (the Bank ). 2. Rewards Points earned by Supplementary Cardmembers will be credited to the Card Account of the Principal Cardmember and may only be used by the Principal Cardmember for the redemption of Rewards. 3. During the continuation of the ANZ Credit Card Rewards Programme, the Cardmember will be awarded 1 Rewards Point for every S$5.00 (or equivalent foreign currency) charged to the Cardmember s relevant Card Account for retail purchases of goods and services. The Bank reserves the right to change at any time, the ratio between (a) the number of Rewards Points to be awarded; and (b) the specified amount charged to the Card Account. 4. Rewards points accumulated on the ANZ Platinum Card and ANZ Switch Platinum Card will be valid only during the respective 5-year period in which such Points were earned, beginning from the date the Principal Cardmember is entitled to participate in the Programme and with such subsequent periods running successively thereafter. 5. Rewards Points accumulated on the ANZ Signature Priority Banking Credit Card will expire within the first 5 years from the date they are awarded. From the 6 th year onwards and thereafter, a Cardmember s Rewards Points shall be valid for 1 year only. 6. At the end of the 5th year and thereafter, the validity of the ANZ Signature Priority Banking Credit Card s expiring Rewards Points may be extended for 1 year if the Cardmember has met a minimum retail spend of S$50,000 in the last 12 months from the date of expiry. 7. If the Principal Cardmember s Card Account is terminated at any time for any reason, either by the Principal Cardmember or the Bank, the Principal Cardmember and Supplementary Cardmember(s) will forthwith be disqualified from participating in the Rewards Programme and all unused Rewards Points then accrued shall automatically be cancelled. At the point of Card Account closure, outstanding Rewards Points owing to the Bank will be debited to the Principal Cardmember s Card Account at a rate of 1 Rewards Point = S$0.05, and the Principal Cardmember shall be liable to make immediate payment. 8. If a Supplementary Card is terminated at any time for any reason, the Principal Cardmember will not be disqualified from participating in this Programme. Accumulation of Rewards Points 1. Charges which are eligible for Rewards Points are: retail purchase charges made to the ANZ Signature Priority Banking Credit Card, ANZ Platinum Card and ANZ Switch Platinum Card. Charges not eligible for Rewards Points include, but are not limited to, cash advances, loan on card, finance charges, late payment charges, balance transfer, interest-free instalment payment plan and 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 sole discretion 1

2 without prior notice to Cardmembers. The Bank s decision as to what constitutes an eligible charge shall be final and conclusive. 2. Card Transaction reversals including but not limited to refunds/chargebacks reflected on the Card billing statements will reduce or eliminate the number of Rewards Points available for redemption. Should there be any subsequent Card Transaction reversals, resulting in Rewards Points owing to the Bank, the Bank reserves the right to charge the Cardmember and debit the Card Account for any negative Rewards Points balance in the Card Account at a rate of 1 Rewards Point = S$ The Rewards Points awarded to Cardmembers will be shown in their monthly statements. 4. With effect from 1 June 2014, Rewards Points accumulated under the Card Account may be automatically deducted to offset Cardmember s ANZ Credit Card annual fee when the annual fee is due. Sufficient Rewards Points must be set aside if Cardmember would like to use the Rewards Points to apply for waiver of the annual fee. 5. Rewards Points accumulated under the Card Account will be (i) forfeited and/or (ii) will not be awarded when Cardmember s Card Account is closed or is not in good standing in the opinion of the Bank, or Cardmember s Card has expired or ceased to be effective or a breach of the Cardmember Agreement has occurred. In such event, any outstanding redemption request whether received before or after Cardmember s Rewards Points have been forfeited shall not be processed. Redemption of Rewards Points 1. Only Rewards Points accumulated up to or shown in the latest issued monthly statement or such other date as may be determined by the Bank at its discretion will be redeemable. 2. Only those Cardmembers whose Card Accounts are valid and in good standing are eligible to redeem the Rewards Points. 3. Provided that the Card Account is in good standing as determined by the Bank, a Principal Cardmember may select and redeem any one or more Rewards, based on the qualifying Rewards Points specified in the Programme, during the Programme period, via such redemption channel as the Bank may from time to time inform the Cardmember. The Cardmember agrees that the use of any channel and any of this Programme s unique features will be governed by its applicable terms and conditions. 4. Rewards Points earned by a Supplementary Cardmember will be credited to the Card Account of the Principal Cardmember and may be used only by the Principal Cardmember for redemption of Rewards. 5. All redemption/purchase requests are subject to the accumulation of sufficient Rewards Points, credit limit and stock availability. If the Account does not contain sufficient Rewards Points or credit limit required for the redemption or purchase of a Reward, then the application for redemption of that Reward will be automatically declined. 6. Upon acceptance of a redemption request, the Rewards Points or amount to be used for redemption/purchase shall be deducted from the Account immediately. All redemption/purchase requests submitted by the Cardmember are irrevocable. 7. Rewards Vouchers or notification letters will be issued by surface mail to the Principal Cardmember s correspondence address within approximately 14 working days from receipt of redemption request. 2

3 8. No instruction by the Cardmember regarding the use of Rewards Points can be altered, reversed, or cancelled once the Rewards Voucher is issued. Rewards Vouchers once issued are not refundable, nor exchangeable for cash, Rewards Points, or for any other Reward. 9. Should there be any subsequent transaction reversals, resulting in Rewards Points being owed to the Bank, the Bank reserves the right to charge the Cardmember the prevailing market value of the Reward, or any price deemed suitable by the Bank, and the amount will be charged to the Card Account. 10. The Bank shall not be liable for lost/damaged/stolen/expired Rewards Vouchers. However, under exceptional circumstances and at the Cardmember s written request, the Bank may (but is not obliged to), in its sole discretion, re-issue a lost/damaged/stolen/expired voucher, or exchange a Rewards Voucher for another, upon the Cardmember s production of the original Rewards Voucher. In the event the Bank agrees to such a request, the Bank reserves the right to impose an administrative charge for the replacement or exchange of any Rewards Voucher. Use of Rewards Voucher 1. A Rewards Voucher shall be issued in the name and address of the Principal Cardmember, and shall specify the Reward as selected by the Cardmember, and may be used by the Principal Cardmember or any Supplementary Cardmember. 2. To redeem a Reward, the Cardmember must present the relevant Rewards Voucher with his/her Card at the relevant participating merchant. If the Cardmember makes a purchase which exceeds the value of the Rewards Voucher, the balance payment must be made with the Card. There shall be no refund for any unused value of the Rewards Voucher. 3. Redemption of a Reward is subject to availability and to such conditions as may be specified by the participating merchants. In the event that a participating merchant is, for any reason, unable to supply the goods or services as specified in the Rewards Voucher, the participating merchant reserves the right to supply alternative products or services of similar quality or price to the Cardmember. 4. Rewards Vouchers are not exchangeable for cash. 5. All hotel stays are subject to availability of rooms. Reservations must be guaranteed by an ANZ Credit Card. No walk-ins will be entertained and the hotels reserve the right to impose a one-night room charge for late cancellations and no-shows. 6. Merchant terms and conditions apply. Mileage Redemption Programme 1. If the Principal Cardmember participates in the Mileage Redemption Programme, the provisions of this section shall apply. 2. Participation in the Mileage Redemption Programme is also subject to the terms and conditions of the respective participating airlines frequent flyer programmes. 3. This programme enables the Principal Cardmember to convert their Rewards Points to miles ( Miles ) under a participating airline s frequent flyer programme. 4. To participate in the Mileage Redemption Programme, Cardmembers must first enrol in a participating airline s frequent flyer programme. 3

4 5. A Principal Cardmember who is enrolled in the Mileage Redemption Programme can convert Rewards Points to Miles at the conversion rate of 1 Rewards Point for 2 Miles, or such other rate as the Bank may specify from time to time. 6. All Miles redeemed by the Principal Cardmember must be credited to the appropriate frequent flyer membership account, and be in blocks of 2000 Miles, subject to a minimum of 2000 Miles per conversion. 7. Each conversion of Rewards Points to Miles is subject to a S$15 conversion fee (or such other fee as determined by the Bank). 8. Once redemption of Miles has been accepted by the Bank, the request cannot be cancelled, reversed, transferred to another participating airline s frequent flyer programme, or exchanged for cash, credit, services or other items. 9. Should there be any subsequent Card Transaction reversals, resulting in Rewards Points being owed to the Bank, the Bank reserves the right to charge the Cardmember the prevailing market value of the Miles redeemed, or any price deemed suitable by the Bank, and the amount will be charged to the Card Account. 10. Notwithstanding Clause 9 of this section, the Bank is entitled at its discretion, to recover any Miles credited into Cardmember s frequent flyer membership account, where applicable, should there be any subsequent Card Transaction reversals, resulting in Rewards Points being owed to the Bank. 11. Cardmembers understand and agree that the transfer process will take approximately 21 working days. Notwithstanding anything stated herein, the Bank shall not be liable for any delay in the transfer process for any reason whatsoever (including without limitation, delay due to incorrect information in the system or due to system constraints and errors). No urgent requests or cancellations will be entertained. 12. The Principal Cardmember will not receive any redemption voucher or confirmation from the Bank regarding the conversion to Miles. The Cardmember may call the respective airline s frequent flyer programme for an update of accumulated Miles. 13. The Bank shall not be responsible for any fraudulent, irregular or unsuccessful transfer. The Cardmember s Rewards Points may be reinstated to his Card Account, where appropriate. 14. The Bank shall not be responsible for the Cardmember s Miles which have been successfully transferred or for the actions of the participating airlines in connection with but not limited to the frequent flyer programme. 15. The Principal Cardmember is responsible for providing the correct and valid frequent flyer membership account number bearing his own name. 16. The participating airlines in the Mileage Redemption Programme are subject to change without prior notice. Rewards Points Transfer Programme 1. Only Principal Cardmembers are eligible for the Rewards Points Transfer Programme. 2. The Principal Cardmember may only transfer accumulated Rewards Points to a designated Principal Cardmember of the same credit card type, e.g. an ANZ Principal Platinum Cardmember can only transfer his/her Rewards Points to another ANZ Principal Platinum Cardmember. 4

5 3. The transfer of Rewards Points can only be made by the transferor completing the Rewards Points Transfer Form. The Cardmember may nominate up to 2 designated principal credit card numbers per request form. 4. Any transfer request must be made in multiple of 250 Rewards Points. 5. An additional 100 Rewards Points will be deducted for successful points transfer to each transferee. 6. Transfer of expired or extended Rewards Points is not allowed. 7. The total number of points requested for the transfer and the additional deduction of 100 Rewards Points for effecting the transfer must not exceed the number of points existing within the transferor s Rewards Points balance. No negative balance is allowed under this programme. 8. Requests can only be processed upon receipt of the signed transfer form. Please allow approximately 14 days for the processing of requests. 9. Only the transferor will receive a notification of the points transfer upon the successful processing of the points transfer request. Redeem Anything Programme 1. Only Principal Cardmembers are eligible for the Redeem Anything programme. 2. Only eligible retail purchases posted in Cardmember s latest statement are allowed for redemption under this programme, subject to available Rewards Points. 3. Only the full amount of the transaction can be redeemed. No partial redemptions are allowed. 4. A confirmation letter will be sent to the Cardmember upon his/her successful redemption. 5. Please allow approximately 14 days for the processing of requests. 6. All items redeemed under this programme are NOT exchangeable or refundable under any circumstances General 1. All Rewards featured in this ANZ Credit Card Rewards Programme Catalogue 2015/2016 are valid for redemption/purchase until 30 June All Rewards Vouchers issued by the Bank are valid for 3 months from the date of issue, unless otherwise specified. No extensions of Vouchers will be entertained. 3. The Bank is entitled in its reasonable discretion, at any time and from time to time, to withdraw, vary or substitute any Reward. 4. The Bank may at any time vary, modify or amend these terms and conditions as it may, in its reasonable discretion, deem fit, and the Cardmember shall be bound by such variations and amendments. 5. The Cardmember hereby authorises the Bank to disclose information regarding the Cardmember and the Cardmember s Card Account(s) to third parties for the purpose of the ANZ Credit Card Rewards Programme. 5

6 6. 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 or its employees or agents. 7. The Bank s records of all matters relating to this programme are 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 or accrual of Rewards Points, to rectify any errors in the calculation, or otherwise adjust such calculation. 8. The Bank is not an agent of any merchant. 9. The Bank will not be responsible for or liable to Cardmembers for any loss or inconvenience caused in the event that participating outlets close down or are not open for the day. 10. The Bank shall not in any way be liable for any goods or services or the quality or performance of such goods or services supplied by any participating merchant, site or service provider or other authorized agent under the ANZ Credit Card Rewards Programme. The Cardmember should seek redress and direct any complaints or comments in respect of such goods and services to the respective participating merchant, provider or agent. 11. The Bank shall not be liable to Cardmembers for any loss, cost or damages of any kind resulting from the use of the privileges offered. 12. Fraud and abuse relating to the earning of Rewards Points, redemption/purchase request or use of any Rewards Voucher may result in forfeiture of any accumulated Rewards Points, Rewards Voucher issued as well as the cancellation of the relevant Card Account. 13. In case of dispute, the Bank reserves the right to decide on the eligibility of all such redemption/purchase requests. The Bank s decision on all matters and disputes concerning the Rewards Programme shall be final. 14. Without prejudice to any of the Bank s rights and remedies, the Bank is entitled to, at any time, in its reasonable discretion, terminate the Programme, amend these Terms and Conditions and/or withdraw, cancel or invalidate any Reward and/or Rewards Points already issued. 15. 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. 16. References here shall have the same meaning as in the Cardmember s Agreement. 17. All information is correct as of 01 July

ANZ Credit Cards Promotion Terms and Conditions (1 November 2015-29 February 2016)

ANZ Credit Cards Promotion Terms and Conditions (1 November 2015-29 February 2016) ANZ Credit Cards Promotion Terms and Conditions (1 November 2015-29 February 2016) 1. The ANZ Credit Cards Promotion (the Credit Cards Promotion ) is open to new-to-bank customers who apply for the ANZ

More information

CITIBANK REWARDS AND CITI REBATE PROGRAM TERMS AND CONDITIONS (For Citibank Cardmembers only)

CITIBANK REWARDS AND CITI REBATE PROGRAM TERMS AND CONDITIONS (For Citibank Cardmembers only) CITIBANK REWARDS AND CITI REBATE PROGRAM TERMS AND CONDITIONS (For Citibank Cardmembers only) 1. DEFINITIONS 1.1 In these terms and conditions, unless the context otherwise requires: "bank" means Citibank

More information

Standard Chartered 360 Rewards Programme

Standard Chartered 360 Rewards Programme Standard Chartered 360 Rewards Programme 1. The programme at a glance 1.1 You can earn 360 Rewards Points (also referred to as points throughout these terms) under this 360 Rewards programme when you use

More information

TERMS AND CONDITIONS GOVERNING LOYALTY DOLLARS

TERMS AND CONDITIONS GOVERNING LOYALTY DOLLARS TERMS AND CONDITIONS GOVERNING LOYALTY DOLLARS 1 DEFINITIONS 1.1 In this Agreement, the definition of terms shall be as set out below, except where the context otherwise requires: 1.1.1 Award means the

More information

UOB Privilege Reserve Cardmembers earn UNI$4 and UNI$5 for every S$5 charged locally and overseas respectively.

UOB Privilege Reserve Cardmembers earn UNI$4 and UNI$5 for every S$5 charged locally and overseas respectively. Terms & Conditions ELIGIBILITY Only the following categories of persons are eligible ( Eligible Persons ) to participate in the Rewards Programme ( the Programme ), subject to the Terms and Conditions

More information

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC.

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. 2. This Terms & Conditions for HSBC Rewards Programme

More information

Credit Cards Emirates NBD Bank PJSC dnata Platinum Credit Card

Credit Cards Emirates NBD Bank PJSC dnata Platinum Credit Card Credit Cards Emirates NBD Bank PJSC dnata Platinum Credit Card Rewards Programme Terms and Conditions These Terms and Conditions stated herein govern the Emirates NBD Bank PJSC dnata Credit Card program

More information

(Applicable to both frequent Traveler Option and Non Frequent Traveler Option)

(Applicable to both frequent Traveler Option and Non Frequent Traveler Option) TERMS AND CONDITIONS 1. Definitions Membership Rewards means American Express Membership Rewards Program provided to eligible Cardmembers by Nations Trust Bank. Cardmember means a holder of an American

More information

CIB EGYPTAIR Co-brand Card Terms and Conditions

CIB EGYPTAIR Co-brand Card Terms and Conditions CIB EGYPTAIR Co-brand Card Terms and Conditions The following provisions shall apply to the CIB Mileseverywhere Program. Kindly note that the provisions stated herein form an integral part of the CIB credit

More information

Bank means Arab Bank PLC - Qatar and /or its branches

Bank means Arab Bank PLC - Qatar and /or its branches Arab Bank Credit Cards Travel Rewards Program Terms & Conditions Qatar The terms and conditions related to Arab Bank Credit Cards Travel Rewards Program should be read in conjunction with the Terms and

More information

First Miles Terms & Conditions

First Miles Terms & Conditions First Miles Terms & Conditions The following provisions shall apply to the First Miles Program. Kindly note that the provisions stated herein form an integral part of the First Gulf Bank General Terms

More information

First Cash Back Terms & Conditions

First Cash Back Terms & Conditions First Cash Back Terms & Conditions The following provisions shall apply to the First Cash Back Program. Kindly note that the provisions stated herein form an integral part of the FGB s General Terms and

More information

1. Definitions 1. Bank means Arab Bank PLC - UAE and /or its branches

1. Definitions 1. Bank means Arab Bank PLC - UAE and /or its branches Arab Bank Credit Cards Travel Rewards Program Terms & Conditions - UAE The terms and conditions related to Arab Bank Credit Cards Travel Rewards Program should be read in conjunction with the Terms and

More information

CITI REWARDS PROGRAM TERMS AND CONDITIONS

CITI REWARDS PROGRAM TERMS AND CONDITIONS CITI REWARDS PROGRAM TERMS AND CONDITIONS 1. DEFINITIONS In these terms and conditions ( Terms and Conditions ), unless the context otherwise requires; Card means the Citi Rewards, Citi Platinum Visa,

More information

Rewards Catalogue. Let your credit card work for you

Rewards Catalogue. Let your credit card work for you Rewards Catalogue Let your credit card work for you DEAR VALUED CUSTOMER, HSBC welcomes you to its Rewards Programme, a unique way to gain access to a wide range of exclusive rewards & enrich your experiences.

More information

First Rewards Terms & Conditions

First Rewards Terms & Conditions First Rewards Terms & Conditions 1) First Gulf Bank customers holding a First Gulf Bank MasterCard and/or Visa Credit Cards (hereafter referred to as Cardmembers ) are eligible to take part in the FIRST

More information

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card HSBC s Credit Card Rewards Program Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card As at 1 March 2014 Rewards Plus Program The meaning of words printed like this and some other

More information

MAYBANK S AIR MILES LUCKY DRAW (4 NOV 2015 29 FEB 2016) TERMS AND CONDITIONS

MAYBANK S AIR MILES LUCKY DRAW (4 NOV 2015 29 FEB 2016) TERMS AND CONDITIONS MAYBANK S AIR MILES LUCKY DRAW (4 NOV 2015 29 FEB 2016) TERMS AND CONDITIONS 1. Definitions "Account" means a personal Singapore issued Maybank Card account maintained by the Maybank Cardmember which has

More information

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard HSBC s Credit Card Rewards Program Terms and conditions HSBC Premier World MasterCard Rewards Plus Program The meaning of words printed like this and some other key words is explained at the end of these

More information

Macquarie Bank Rewards Program. Terms and Conditions

Macquarie Bank Rewards Program. Terms and Conditions Macquarie Bank Rewards Program Terms and Conditions Effective December 2012 1 Contents 1. When do these Terms and Conditions apply to me? 31 2. How does the Macquarie Bank Rewards Program work? 3 3. Rewards

More information

Bankwest Qantas Rewards

Bankwest Qantas Rewards Credit Cards Bankwest Qantas Rewards Terms and Conditions 1 October 2014 making banking easier Customer enquiries Please call 13 17 19 or visit bankwest.com.au. Where to report lost or stolen cards or

More information

TERMS AND CONDITIONS GOVERNING OCBC 365 CREDIT CARD CASHBACK PROGRAMME

TERMS AND CONDITIONS GOVERNING OCBC 365 CREDIT CARD CASHBACK PROGRAMME TERMS AND CONDITIONS GOVERNING OCBC 365 CREDIT CARD CASHBACK PROGRAMME The following terms and conditions and any other rules, procedures or instructions which we may issue from time to time (collectively

More information

CREDIT CARD CARDHOLDER AGREEMENT

CREDIT CARD CARDHOLDER AGREEMENT CREDIT CARD CARDHOLDER AGREEMENT (This Agreement applies to Visa Platinum, Visa Gold, Visa Classic or other cards issued by HSBC) IMPORTANT! Before you use your Card, please read this Agreement carefully.

More information

UOB 0% Instalment Payment Plan (UOB 0% IPP) Agreement

UOB 0% Instalment Payment Plan (UOB 0% IPP) Agreement UOB 0% Instalment Payment Plan (UOB 0% IPP) Agreement This document is a legal contract between you and us. You are bound by the terms and conditions of this Agreement (which may be modified from time

More information

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Page 1 bankwest.com.au Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Terms and Conditions 30 November 2015 This booklet covers the terms and conditions that apply to the Bankwest

More information

Mashreq Salaam Carats Rewards Terms & Condition

Mashreq Salaam Carats Rewards Terms & Condition The following ( Terms and Conditions ) are applicable to the Mashreq Salaam Carats Reward program and the Customer hereby agrees to be bound by these Terms and Conditions. 1. Definitions 1.1. You, your

More information

True Rewards Card Conditions of Use

True Rewards Card Conditions of Use True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland

More information

Esquires eclub Loyalty Card Program Terms and Conditions 1. Definitions and Interpretation

Esquires eclub Loyalty Card Program Terms and Conditions 1. Definitions and Interpretation Esquires eclub Loyalty Card Program Terms and Conditions 1. Definitions and Interpretation 1.1. In these Terms and Conditions: a) Affiliate means in relation to any person, any other person which directly

More information

UNIRINGGIT REWARDS AND 0% INTEREST INSTALMENT PAYMENT PLAN PROGRAMME TERMS & CONDITIONS UOBM CREDIT CARDS

UNIRINGGIT REWARDS AND 0% INTEREST INSTALMENT PAYMENT PLAN PROGRAMME TERMS & CONDITIONS UOBM CREDIT CARDS ELIGIBILITY UNIRINGGIT REWARDS AND 0% INTEREST INSTALMENT PAYMENT PLAN PROGRAMME TERMS & CONDITIONS UOBM CREDIT CARDS 1. United Overseas Bank (Malaysia) Bhd (271809-K)( UOBM ) is running a UNIRINGGIT REWARDS

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

Mortgage Choice Platinum Card

Mortgage Choice Platinum Card Mortgage Choice Platinum Card Rewards Program Terms and Conditions Effective December 2014 Contents 1. When do these Terms and Conditions apply to me? 4 2. How does the Mortgage Choice Platinum Card Rewards

More information

Including ANZ Business One Rewards Options

Including ANZ Business One Rewards Options Introducing ANZ Business One Rewards Options Including ANZ Business One Rewards Options Program Terms and Conditions Welcome We re delighted you have chosen ANZ Business One Rewards Options, the business

More information

HONG LEONG INFINITE/ INFINITE CREDIT CARD TERMS AND CONDITIONS

HONG LEONG INFINITE/ INFINITE CREDIT CARD TERMS AND CONDITIONS HONG LEONG INFINITE/ INFINITE CREDIT CARD TERMS AND CONDITIONS The terms and conditions below are to be read together with the Hong Leong Bank ( the Bank ) Cardholder s Agreement Terms and Conditions (

More information

Macquarie Rewards Program. Terms and Conditions

Macquarie Rewards Program. Terms and Conditions Macquarie Rewards Program Terms and Conditions EFFECTIVE 20 NOVEMBER 2015 1 Contents 1. When do these Terms and Conditions apply to me? 1 2. How does the Macquarie Rewards Program work? 2 3. Administration

More information

1.1 In these terms and conditions, unless the context otherwise requires:

1.1 In these terms and conditions, unless the context otherwise requires: SBI Sweet Rewards Terms and Conditions 1. Interpretation 1.1 In these terms and conditions, unless the context otherwise requires: Account Holder Bank CASA Customers Account Level means the Bank s Singapore

More information

Jetstar MasterCarD rewards PrOGraM Important Note

Jetstar MasterCarD rewards PrOGraM Important Note Jetstar MASTERCARD REWARDS PROGRAM Terms and Conditions EFFECTIVE NOVEMBER 2011 Important Note These Terms and Conditions are effective from November 2011. The Qantas Frequent Flyer Rewards will not be

More information

CommBank Awards Program

CommBank Awards Program Important information about the CommBank Awards Program Program Terms and Conditions 7 September 2015 Some Awards are also subject to separate terms and conditions of the supplier of the award. Please

More information

CASH REWARDS COLLABRIA CASH BACK CARD C33014

CASH REWARDS COLLABRIA CASH BACK CARD C33014 CASH REWARDS COLLABRIA CASH BACK CARD C33014 Cash Rewards COLLABRIA CASH BACK CARD By using your Collabria Cash Back Card, you agree to the following terms and conditions which form part of the Collabria

More information

Woolworths Money Shopping Card Rewards Program

Woolworths Money Shopping Card Rewards Program Woolworths Money Shopping Card Rewards Program Terms and Conditions 1 1. When do these Terms and Conditions apply to me? You agree to be bound by these Terms and Conditions when you or an Additional Cardholder

More information

Account means each and any of the Cardmember s accounts with the Bank which he has designated for the settlement of Card Transactions;

Account means each and any of the Cardmember s accounts with the Bank which he has designated for the settlement of Card Transactions; UOB Debit Cardmember Agreement This document is a legal contract between you and us. You are bound by the terms and conditions of this Agreement (which may be modified from time to time) as soon as you

More information

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions Wealth Management Yellow Brick Road Rewards Program Terms and Conditions Effective July 2013 Contents 1. When do these Terms and Conditions apply to me? 3 2. How does the Yellow Brick Road Credit Cards

More information

UOB CREDIT CARD FUNDS TRANSFER TERMS & CONDITIONS

UOB CREDIT CARD FUNDS TRANSFER TERMS & CONDITIONS UOB CREDIT CARD FUNDS TRANSFER TERMS & CONDITIONS Please read these Terms and Conditions carefully. A Principal Cardmember ( Applicant ) may, subject to the Terms and Conditions herein, apply to transfer

More information

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E American Express Credit Card Conditions, Financial Services Guide and Credit Guide December 2010 AU027108E Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW

More information

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation

More information

PNB Credit Card Rewards Program Terms and Conditions

PNB Credit Card Rewards Program Terms and Conditions PNB Credit Card Rewards Program Terms and Conditions The PNB Credit Card Rewards Program allows Philippine National Bank (PNB) Credit Cardholders to redeem Rewards in exchange of Rewards Points accumulated

More information

ANZ Travel Promotion: Fly for Free on Business Class Terms and Conditions

ANZ Travel Promotion: Fly for Free on Business Class Terms and Conditions Travel Promotion: Fly for Free on Business Class Terms and Conditions 1. Promotion Period, Eligibility and Qualifying Spend 1.1 The promotion period ( Promotion Period ) is the period from 20 July 2015

More information

Account means each and any of the Cardmember s accounts with the Bank which he has designated for the settlement of Card Transactions;

Account means each and any of the Cardmember s accounts with the Bank which he has designated for the settlement of Card Transactions; UOB DEBIT CARDMEMBER AGREEMENT This document is a legal contract between you and us. You are bound by the terms and conditions of this Agreement (which may be modified from time to time) as soon as you

More information

Terms & Conditions for Manulife Philippines

Terms & Conditions for Manulife Philippines Terms & Conditions for Manulife Philippines 1. Definitions In the terms and conditions ( Terms and Conditions ), unless the context otherwise requires; Eligible Plan means the designated new policies or

More information

UOBM PRVI Miles Card Terms and Conditions

UOBM PRVI Miles Card Terms and Conditions UOBM PRVI Miles Card Terms and Conditions Effective 1 January 2016 General These terms and conditions ( Terms and Conditions ) will apply to United Overseas Bank (Malaysia) Bhd s (271809-K) ( UOBM ) PRVI

More information

Bendigo Rewards. Terms & Conditions. 21 December 2015. www.bendigobank.com.au

Bendigo Rewards. Terms & Conditions. 21 December 2015. www.bendigobank.com.au Bendigo Rewards. Terms & Conditions. 21 December 2015 www.bendigobank.com.au Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone 1300 BENDIGO (1300 236 344) ABN 11 068 049 178.

More information

American Express Corporate Card. Cardmember Agreement Company Liability

American Express Corporate Card. Cardmember Agreement Company Liability American Express Corporate Card Cardmember Agreement Company Liability American Express Corporate Card THE PARTIES TO THE AGREEMENT The parties to this Cardmember Agreement (the "Agreement") are AMEX (Middle

More information

MyNetCard Visa Card Terms and Conditions

MyNetCard Visa Card Terms and Conditions MyNetCard Visa Card Terms and Conditions MYNETCARD VISA CARD TERMS AND CONDITIONS OF USE Please read these terms and conditions (the "Terms and Conditions") carefully and keep a copy for your records.

More information

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs ANZ Rewards Rewards Program Terms and Conditions When these terms and conditions apply 1. If you are a new account holder, these terms and conditions will apply when we advise you that your application

More information

Rothschild Visa Card Terms and Conditions

Rothschild Visa Card Terms and Conditions Rothschild Visa Card Terms and Conditions These Rothschild Visa Card Terms and Conditions (June 2010 edition) are in addition to and supplemental to the Bank s standard Terms and Conditions (October 2007

More information

This document is the contract between you, the Member and Think Big Digital Sdn Bhd, the operator of the BIG Loyalty Program, and

This document is the contract between you, the Member and Think Big Digital Sdn Bhd, the operator of the BIG Loyalty Program, and BIG LOYALTY MEMBERSHIP PROGRAM TERMS AND CONDITIONS Membership Agreement This document is the contract between you, the Member and Think Big Digital Sdn Bhd, the operator of the BIG Loyalty Program, and

More information

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Terms and Conditions Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Effective Date: July 2014 Table of Contents 1. Meaning of Words...

More information

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions February 2012 Contents Page 1. Definitions 2 Chapter One 2. Participation and Agreement 4 3. Awarding of Points 4 4.

More information

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection Terms and Conditions Issued May 2016 DAVID JONES STORECARD AND DAVID JONES

More information

Visa Credit Card Cardmember Agreement

Visa Credit Card Cardmember Agreement Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and

More information

General Terms & Conditions. HSBC s Rewards Program

General Terms & Conditions. HSBC s Rewards Program General Terms & Conditions HSBC s Rewards Program HSBC s Rewards Program General Terms and Conditions 1. DEFINITION As use herein, the following terms shall have the following meaning/s: a. HSBC s Rewards

More information

ICICI Bank Credit Card Rewards Programme Terms & Conditions Terms and Conditions applicable to ICICI Bank Credit Card Reward Point Schemes

ICICI Bank Credit Card Rewards Programme Terms & Conditions Terms and Conditions applicable to ICICI Bank Credit Card Reward Point Schemes ICICI Bank Credit Card Rewards Programme Terms & Conditions Terms and Conditions applicable to ICICI Bank Credit Card Reward Point Schemes ICICI Bank shall offer the following Credit Card reward point

More information

Altitude Rewards and Altitude Qantas

Altitude Rewards and Altitude Qantas Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions

More information

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Terms and Conditions Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Effective Date: May 2014 Table of Contents 1. Meaning of Words... 1 2. Participation

More information

JETSTAR MASTERCARD REWARDS PROGRAM TERMS AND CONDITIONS

JETSTAR MASTERCARD REWARDS PROGRAM TERMS AND CONDITIONS JETSTAR MASTERCARD REWARDS PROGRAM TERMS AND CONDITIONS EFFECTIVE AUGUST 2015 1. WHEN DO THESE TERMS AND CONDITIONS APPLY TO ME? You agree to be bound by these Terms and Conditions when you or an Additional

More information

Conventional Platinum Credit Cards in Sterling Pounds Terms and Conditions

Conventional Platinum Credit Cards in Sterling Pounds Terms and Conditions Conventional Platinum Credit Cards in Sterling Pounds Terms and Conditions Arab National Bank ("Bank") will issue the ANB Credit Card ("Card"), subject to the following Terms and Conditions: 1. Standard

More information

HSBC Renminbi Business Credit Card Programme Agreement

HSBC Renminbi Business Credit Card Programme Agreement HSBC Renminbi Business Credit Card Programme Agreement The following terms and conditions govern (a) the use by a Cardholder of a Business Card being an HSBC Renminbi Business Credit Card (a Card ) issued

More information

Australian Credit Licence 237502. Macquarie Bank Flyer Home Loan Terms and Conditions

Australian Credit Licence 237502. Macquarie Bank Flyer Home Loan Terms and Conditions Australian Credit Licence 237502 Macquarie Bank Flyer Home Loan Terms and Conditions Contents 1. How these Terms and Conditions apply 3 2. Eligibility 3 3. Acceptance of these terms 3 4. Qantas Points

More information

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules LOGIX REWARDS PROGRAM DISCLOSURE Program Rules In this Logix Rewards Program Disclosure, the words "we", "us", "our", and "Logix" each mean Logix Federal Credit Union. The words "you", "your, "yours",

More information

VOKERA (NEW) AFFINITY UK

VOKERA (NEW) AFFINITY UK VOKERA (NEW) AFFINITY UK TERMS & CONDITIONS 2015 1. The Vokèra Affinity Reward Programme (The Scheme) is being operated by Vokèra Limited, Borderlake House, Unit 7, Riverside Industrial Estate, London

More information

i) By sending a short messaging service text ( SMS ) to Citibank s 36700 SMS channel to express interest in applying for a Citibank Credit Card; and

i) By sending a short messaging service text ( SMS ) to Citibank s 36700 SMS channel to express interest in applying for a Citibank Credit Card; and Citibank Online Credit Card Acquisition Campaign Terms and Conditions ("these Terms and Conditions") Campaign Period 1. This campaign, organized by Citibank Berhad (Co. No. 297089-M) ("Citibank") called

More information

Terms and Conditions DBS 2015 Supplementary Retirement Scheme Promotion

Terms and Conditions DBS 2015 Supplementary Retirement Scheme Promotion Terms and Conditions DBS 2015 Supplementary Retirement Scheme Promotion 1. Promotion Period 1.1. The DBS 2015 Supplementary Retirement Scheme ( SRS ) Promotion ( Promotion ) is open to all existing customers

More information

SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit card account

More information

Amplify Business Credit Card.

Amplify Business Credit Card. Amplify Business Credit Card. Rewards Terms and Conditions Part One - Amplify Rewards for Amplify Business Credit Cards Terms and Conditions Part Two - Amplify Qantas for Amplify Business Credit Cards

More information

Conditions of Use for Westpac Debit. MasterCard and Westpac Airpoints Debit MasterCard.

Conditions of Use for Westpac Debit. MasterCard and Westpac Airpoints Debit MasterCard. Conditions of Use for Westpac Debit MasterCard and Westpac Airpoints Debit MasterCard. As at 26 September 2015 Debit card Conditions of Use These Conditions of Use apply to the Westpac Debit MasterCard

More information

Definitions: Use of the Card

Definitions: Use of the Card Definitions: Bank: Card: Agreement: Cardholder: Card Account: Pre Set Card: Pre Paid Card: is Card Credit Limit: Card Transaction: means Bahrain Islamic Bank B.S.C. means the virtual Card issued by the

More information

American Express Credit Card Terms & Conditions

American Express Credit Card Terms & Conditions American Express Credit Card Terms & Conditions New Zealand July 2011 This booklet sets out the respective rights and obligations of you and American Express International (NZ), Inc. concerning the American

More information

SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit

More information

December 2013. Q Rewards Terms and Conditions

December 2013. Q Rewards Terms and Conditions December 2013 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

January 2009. Q Rewards Terms and Conditions

January 2009. Q Rewards Terms and Conditions January 2009 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns.

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns. Citibank Rewards Program Terms & Conditions This Citibank Rewards Program Terms and Conditions governs the entitlement of Citibank Credit Card customers and Debit & ATM Cardholders (including those issued

More information

BUSINESS CARD APPLICATION FORM COMPANY SECTION BUSINESS CARD APPLICATION FORM EMPLOYEE SECTION. Company Name (legal): Company Name:

BUSINESS CARD APPLICATION FORM COMPANY SECTION BUSINESS CARD APPLICATION FORM EMPLOYEE SECTION. Company Name (legal): Company Name: BUSINESS CARD APPLICATION FORM EMPLOYEE SECTION Company Name: Employee Name: Title (Mr, Ms, Mrs): ID/PP/DP# Country/Date of Birth: Nationality: Sex: Male Female Name on Card: Mailing Address: Telephone

More information

Terms and Conditions of SABB Credit Cards

Terms and Conditions of SABB Credit Cards Terms and Conditions of SABB Credit Cards Important: Before you use The Saudi British Bank MasterCard and/or Visa Card ( the Card ), please carefully read the Cardholder Agreement printed below. By using

More information

Terms and Conditions Governing Stand to win S$500 worth of Club 21 vouchers with UOB Card. Double your chances with every S$500 nett spend Lucky Draw

Terms and Conditions Governing Stand to win S$500 worth of Club 21 vouchers with UOB Card. Double your chances with every S$500 nett spend Lucky Draw Terms and Conditions Governing Stand to win S$500 worth of Club 21 vouchers with UOB Card. Double your chances with every S$500 nett spend Lucky Draw 1 Eligibility and Qualifying Period 1.1 The Stand to

More information

Words importing only the singular shall include the plural and vice versa.

Words importing only the singular shall include the plural and vice versa. GENERAL TERMS AND CONDITIONS FOR DEBIT CARD 1. PHRASING Words importing only the singular shall include the plural and vice versa. Where the Account is a Joint Account, reference to single customer shall

More information

Order Form - CIMB Preferred / Prime Banking / CIMB@Work / Debit Card

Order Form - CIMB Preferred / Prime Banking / CIMB@Work / Debit Card Order Form - CIMB Preferred / Prime Banking / CIMB@Work / Debit Card TO REDEEM, PLEASE: 1. Complete the Order Form, mail to: CIMB Call Centre, 10th Floor, Menara Atlas, Plaza Pantai 5, Jalan 4/83A, Off

More information

Star One Rewards Program Terms and Conditions

Star One Rewards Program Terms and Conditions www.starone.org Star One Rewards Program Terms and Conditions The Star One Rewards Program ( Program ) is a promotional rewards program offered by Star One Credit Union ("Credit Union") and administered

More information

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions

More information

Visa Company Card CONDITIONS OF USE

Visa Company Card CONDITIONS OF USE Visa Company Card CONDITIONS OF USE This guide is current as at April 2015. This document is a legal contract between you and ANZ Bank New Zealand Limited in respect of the issue, and use of, Visa Company

More information

DODO POWER & GAS INFINITE REWARDS. Terms and Conditions

DODO POWER & GAS INFINITE REWARDS. Terms and Conditions DODO POWER & GAS INFINITE REWARDS Terms and Conditions 1. Terms and Conditions 1.1. These terms and conditions apply between Infinite Rewards Pty Ltd and those individuals who sign up to the Infinite Rewards

More information

Rewards Program for High Flyer and Flyer Cardholders

Rewards Program for High Flyer and Flyer Cardholders Rewards Program for High Flyer and Flyer Cardholders Terms & Conditions 18 September 2016 Contents 1. Meaning of Words 4 2. Participation 6 3. Accumulation of Points 7 4. Duration and Loss of Velocity

More information

TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card

TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card This Agreement applies to Your Virtual card. You must read it carefully. By applying

More information

Bonus Rewards Points Program From CIB. Terms and Conditions

Bonus Rewards Points Program From CIB. Terms and Conditions Bonus Rewards Points Program From CIB Terms and Conditions 1. General: 1.1. Bonus Rewards points program from CIB is a bonus points scheme which rewards you with points on engaging with any of the highlighted

More information

Terms and Conditions UOB Insurance Promotion (1 January 31 March 2016)

Terms and Conditions UOB Insurance Promotion (1 January 31 March 2016) Terms and Conditions UOB Insurance Promotion (1 January 31 March 2016) 1. Promotion and Promotion Period 1.1 The United Overseas Bank Limited Insurance Promotion (1 January 31 March 2016) ( Promotion )

More information

American Express. Business Credit Card Conditions

American Express. Business Credit Card Conditions American Express Business Credit Card Conditions Effective 1st June 2006 Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards In Australia

More information

Conditions of Use THE USE OF CARIBBEAN CREDIT CARD CORPORATION LTD CARD IS GOVERNED AT ALL TIMES BY THE TERMS AND CONDITIONS SET FORTH

Conditions of Use THE USE OF CARIBBEAN CREDIT CARD CORPORATION LTD CARD IS GOVERNED AT ALL TIMES BY THE TERMS AND CONDITIONS SET FORTH Conditions of Use THE USE OF CARIBBEAN CREDIT CARD CORPORATION LTD CARD IS GOVERNED AT ALL TIMES BY THE TERMS AND CONDITIONS SET FORTH 1. In this Agreement: (a) "Authorized User" means a Cardholder to

More information

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of

More information

AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit card

More information

Terms & Conditions of Citibank Rewards Redemption. Terms & Conditions of Redemption against Vouchers/Merchandise:

Terms & Conditions of Citibank Rewards Redemption. Terms & Conditions of Redemption against Vouchers/Merchandise: Terms & Conditions of Citibank Rewards Redemption Terms & Conditions of Redemption against Vouchers/Merchandise: Offer: Redemption of Reward points against Vouchers / Merchandise from Citibank Rewards

More information

Rewards Terms & Conditions Copy

Rewards Terms & Conditions Copy Rewards Terms & Conditions Copy Commerce Bank Rewards INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of promoting

More information