Cashback Plus Retailer & NatWest exclusions

Size: px
Start display at page:

Download "Cashback Plus Retailer & NatWest exclusions"

Transcription

1 Cashback Plus Retailer & NatWest exclusions 1. Participating retailer exclusions on your debit cards 1.1 General offline purchases Rewards available at UK store locations only. Transactions at concessions within department stores will not be eligible for Rewards. Transactions must be made directly with the Cashback Plus retailers and any additional retailers available under Your Offers from NatWest. Any transactions made via a third party will not be eligible for Rewards. 1.2 General online purchases Rewards available at Cashback Plus retailers and any additional retailers available under Your Offers from NatWest only. Transactions made via a third party, such as PayPal and Amazon Payments, will not be eligible for Rewards. 2. Your Offers from NatWest 2.1 The Co-operative on debit cards For this offer, The Co-operative includes The Co-operative Group, East of England Co-op, Midlands Co-op, Southern Co-op, Chelmsford Star Co-op, Anglia Co-op, Scotmid Co-operative and Morning, Noon & Night. Please note that this offer is being offered to you direct from NatWest and is not in any way endorsed, sponsored, sold or promoted by aforesaid co-operatives or otherwise implemented with those co-operative s cooperation. Please note, you will not receive any Rewards on purchases made with your debit card: on transactions made at Co-operative Group Opticians, Pharmacy s, the Co-operative Motor Group and stores adjoined to Petrol Filling Stations (with exception to BP with Co-op). on transactions for The Co-operative Group Bank products including mortgages, travel money, Insurance and Personal Finance products. on transactions made through The Co-operative Group legal, Healthcare, Funeral and life planning services. on transactions for The Co-operative Group phone and broadband services. on transactions made through co-operativeinsurance.co.uk, co-operativetravel.co.uk, coopelectricalshop. co.uk, thephone.coop/home, co-opflorists.co.uk, co-operative.coop/funeralcare, co-operativebank.co.uk, eastofengland.coop/travel, eastofengland.coop/pharmacy, eastofengland.coop/opticians, eastofengland. coop/easier-living, eastofengland.coop/funerals and eastofengland.coop/electricals. 2.2 Restaurant & Bar on your Cashback Plus Credit Card 10% Rewards on all UK Restaurant & Bar purchases on your Cashback Plus Credit Card from 1st April to 30th September This offer is available at, but not limited to, Zizzi, Wagamama, Gourmet Burger Kitchen, Prezzo, Pizza Express, EAT, Frankie & Benny s, Chiquitos, Nandos, Brewers Fayre, JD Wetherspoons. Please note that this offer is being offered to you direct from NatWest and is not in any way endorsed, sponsored, sold or promoted by any of the Restaurant & Bars referenced or otherwise implemented with any of the stated Restaurant & Bars cooperation. 2.3 Supermarket offer on your Cashback Plus Credit Card 1% Rewards on all supermarket purchases on your Cashback Plus Credit Card (excluding supermarket petrol stations) Supermarkets will include, but are not limited to, Asda, Iceland, Marks & Spencer, Morrisons, Sainsbury s, Somerfield, Tesco, The Co-operative and Waitrose. Purchases made at supermarkets will be identified by NatWest through the supermarket Merchant Category Codes 5411 and Merchant Category Codes are industry categories which classify a business by the type of goods or services it provides. Rewards of 1% will not be earned at supermarket petrol stations, instead purchases at supermarket petrol stations will attract 0.5% Rewards under the all spend offer from NatWest. Please note that this offer is being offered to you direct from NatWest and is not in any way endorsed, sponsored, sold or promoted by any of the supermarkets referenced or otherwise implemented with any of the stated supermarkets.

2 2.4 All other spend on your Cashback Plus Credit Card 0.5% Rewards on all other spend on your Cashback Plus Credit Card (excluding Cashback Plus retailers, Restaurant & Bar and supermarket spend) The Cashback Plus credit card will offer 0.5% on all purchases made in line with the Cashback Plus Terms. The 0.5% reward will not be given in addition to any Rewards for purchases made at: Cashback Plus retailers; or Supermarkets defined under Merchant Category Codes 5411 and 5499; or Restaurant & Bars defined under Merchant Category codes 5814, 5812 and Contactless on all eligible cards You will not earn Rewards on a transaction which is carried out at a retailer who offers contactless payments if the retailer s contactless terminal is not available or requires you to enter your PIN to complete the transaction. 3. Rewards on household bills paid by direct debit From 20 July to 31 December 2015, if you are a Cashback Plus customer with an eligible account, you can earn Rewards on your household bills. Bills must be paid from your eligible account(s) by direct debit. Any other type of transaction e.g. Debit Card, Standing Order, online transfer will not qualify for Rewards. Household bills include: gas, electricity, council tax & water, communications (mobile and landline phone), broadband and paid for TV packages. Household bills do not include: fuel and oil, maintenance, insurance, TV licence, on-demand internet streaming services or any commercial contracts. Rewards will only be earned on household bill payments made to organisations identified as either local authorities who charge council tax or suppliers of the services listed above. You can view the full list of companies at any time using our supplier tool at or by calling the Customer Service team on or Minicom Retailer specific exclusions on your eligible cards 4.1 Blue Inc 4.2 BP Rewards will not be earned on gift card purchases. Rewards will not be earned on car servicing or maintenance. 4.3 Caffè Nero Rewards will not be earned for transactions made online through caffenero.com. 4.4 Carluccio s Rewards will not be earned for transactions made online through Cunard Please note, Cruises must be booked directly with Cunard. Travel agent bookings are excluded. You won t earn Rewards on anything you buy on-board, or on travel agent bookings. 4.6 Europcar Rewards are only earned on purchases paid for at time of online booking at europcar.co.uk and at all UK Europcar rental stations. Rewards will not be earned on transactions at Europcar rental stations outside the UK or on Europcar websites other than europcar.co.uk. To earn Rewards on your international car rental, ensure you pay at the time of booking on europcar.co.uk. Discounts are valid for rentals booked and paid for during the offer period. This offer cannot be used in conjunction with any other offer. You must present a valid Credit Card in the name of the driver at time of rental except for rentals in United Kingdom, where a Debit Card may be used. Visit europcar.co.uk for full details of the terms and conditions of rent. 4.7 Halfords Rewards will not be earned on transactions at Halfords Autocentres. 4.8 Holiday Hypermarket Rewards will not be earned on purchases made by phone through the call centre. 4.9 Kiddicare Rewards will not be earned on gift vouchers, baby milk or medicines.

3 4.10 Laura Ashley You ll earn Rewards on everything except for Guardsman protection plans, interior design service fees, gift cards and Laura Ashley licensed merchandise sold through other retailers Morrisons Rewards will not be earned: on transactions made through morrisonscellar.com. on transactions for Cash Back, Tobacco, Fireworks, Saver Stamps, Postage Stamps, Gift Vouchers, Gift Cards, Infant formula/milk, Lottery Online Game and Instant Tickets. on transactions for Top-up Mobile Phone Cards, E Top-up, Photo Printing, Prescription Medicines and Fuel. on transactions made within the Café, from Dry Cleaning, Petrol Stations, Garden Centres and Pharmacy New Look Rewards will not be earned on the purchase of New Look gift cards online through newlook.com Officers Club Rewards will not be earned on the purchase of Officers Club gift cards P&O Cruises Please note, cruises must be booked directly with P&O Cruises. You won t earn Rewards on anything you buy on-board, or on travel agent bookings P&O Ferries Please note, Rewards cannot be earned on purchases made on-board your journey Sainsbury s Rewards will not be earned on Sainsbury s Petrol, savings stamps, car park tickets, vending machines, cash back, postage stamps, gift vouchers, baby milk products, lottery tickets, tobacco kiosk, proprietary medicine, spirits and liqueurs, mobile phone cards and mobile phone vouchers Space NK Purchases at concessions within department stores will not be eligible for Rewards Superdrug Rewards will not be earned on stamps, mobile top-up, prescription medicines, infant milk formula and gift cards The Body Shop Rewards will not be earned for purchases made through The Body Shop at Home thetrainline.com Rewards will not be earned: on bookings made for hotels, theatre tickets, car hire, International rail and train and hotel packages on bookings made through thetrainline.com call centre on transactions made on all season tickets on transactions made through thetrainline.com business and corporate accounts 4.21 Virgin Wines Rewards will not be earned on WineBank transactions, Wine Tasting tickets or on Wine Tastings with Virgin Wines Fabulous Waitrose Rewards will not be earned on items purchased at Waitrose stores at Motorway Service stations and Petrol Filling stations. From time to time, we may make you aware of offers available to you, which you will see when you log in. For these offers, full details of any exclusions will be included on the specific retailer page. 5. Trade up exclusions on all eligible cards 5.1 Gift card/voucher/code general exclusions Gift cards/vouchers/codes cannot be used for online purchases unless otherwise stated. Gift cards/vouchers/codes cannot be used at store locations outside of the UK. The balance on the gift card/voucher/code can be used for purchases at retailer stores in full or part payment.

4 In the event of 12 months of consecutive non-use, the gift card/voucher/code will expire and the balance remaining will be deducted. Gift cards/vouchers/codes may not be exchanged for cash or other vouchers or used as a deposit on a credit agreement. No change will be given when a gift card/voucher/code is used to purchase goods or services but the balance may be applied to future purchases. The value of the gift card/voucher/code cannot be replaced or reimbursed if it is lost, stolen or damaged. Gift cards/vouchers/codes should be looked after carefully. When a gift card/voucher/code is used to purchase goods or services, any remaining balance will be shown on the till receipt for store purchases or within the gift card/voucher/code payment page for online orders. The gift card/voucher/code is not a cheque guarantee, credit, debit or charge card. Rewards will not be awarded on use of the gift cards/vouchers/codes. Gift card/vouchers/codes cannot be used in department store concessions. In the event of a conflict between these gift card/voucher/code general exclusions and a retailer s gift card/ voucher/code restrictions, the retailer s gift card/voucher/code restrictions will apply. 5.2 Retailer specific exclusions Argos One Argos card per customer per 30 days. This unique collection code has a 12 month validity period and will expire 12 months after issuance. The unique collection code must be presented to a manned till in-store to claim the discount and cannot be redeemed via any other channels including on Quick Pay kiosks, via the internet or over the telephone. The unique collection code can only be used once and change will not be given if the value of your purchase is less than the value of the unique collection code you are spending. To claim the offer you will need to display the from Cashback Plus that displays the unique collection code to the cashier. If qualifying items are returned, only the price after the 15 unique collection code will be refunded. For example, if you purchase a product worth 50 and you use your 15 unique collection code as part payment, you will be required to pay 35. If you return the product only 35 will be refunded. The remaining 15 will be loaded onto a Argos gift card. Unique collection codes cannot be used to purchase gift cards, top-up vouchers/cards. Unique collection codes cannot be exchanged for cash. We reserve the right to remove or change this promotion. This unique collection code cannot be used in conjunction with staff discount or the redemption of any other voucher promotions. The offer is open to all UK residents. Promoter Argos Limited, Avebury Boulevard, Milton Keynes MK9 2NW. Caffè Nero Each code is valid for one regular hot drink (Latte, Espresso, Cappuccino, Americano, Hot Chocolate or Tea) at any participating branch of Caffè Nero in the UK. All other drinks are excluded from this offer. Each code can be redeemed once. Codes cannot be used in conjunction with any other offer, voucher or account card offer. Subject to availability at Caffè Nero. In store only. Each code will be valid for 18 months from the date it was issued. Cineworld This voucher may be exchanged for one standard adult or child ticket for any 2D performance at any Cineworld cinema in the UK or Republic of Ireland. Ticket subject to availability; uplift charges for 3D, D-Box, IMAX, event cinema, if applicable, are payable; not valid for special Unlimited screenings; VIP/premium seating excluded; not valid for tickets for The Screening Rooms, Cheltenham, Glasgow Science Centre or Picturehouse cinemas. This voucher may be used once only to book a cinema ticket online at or can be exchanged for a ticket at the box office of any Cineworld cinema box office (not valid for redemption via the Cineworld telephone booking service). When booking online using the e-code credit/debit card information must be provided (for processing purposes). Voucher expires 6 months from date of issue, after which the voucher will be cancelled and no refund will be given.

5 Voucher may not be used in conjunction with any other offer. Use of e-code and ticket subject to Cineworld s Website Terms of Use and Terms of Entry available at No cash alternative; the voucher, e-code and/or ticket are not transferable and may not be re-sold. Please keep this voucher and the e-code in a safe place. It is not replaceable if lost or stolen and no refund will be given. Cineworld reserves the right to amend these T&Cs at any time and without notice. These T&Cs and any related disputes are subject to interpretation under the laws of England and Wales, and to the jurisdiction of the courts of England and Wales unless your residential address is in Scotland, when Scottish law applies or in the Republic of Ireland, when Irish law applies. Currys PC World (includes Currys/Currys.digital/PC World) Gift card terms & conditions: 1 gift card per customer per six month period. This card can be used as full or part payment towards products and Knowhow services in Currys, Currys.digital and PC World stores in the UK. You can check the balance at or call Alternatively, present your card in store where a member of the store team can check your balance for you. For gift card full terms & conditions visit Halfords One Halfords gift card per customer per 30 days. Gift card terms & conditions: This card is redeemable against any goods or services at participating Halfords stores throughout the UK & ROI, as full or part payment. It may not be used at halfords.com. Halfords gift cards sold within the UK can be redeemed within the ROI and vice versa, the relevant exchange rate for the day will apply. No change, vouchers refunds will be given but any balance remaining on the card may be applied to future purchases. You can check your balance at any store or halfords.com or by calling customer services on Please treat this card as cash, as the balance cannot be returned to you if it is lost, stolen or damaged. This card is not redeemable for cash. Amounts can be added to the balance at any time. The maximum card limit is Spabreaks.com This card will expire after 24 months of consecutive non-use and the balance will be deducted. Cards with zero balance will expire after 30 days. This card is not a cheque guarantee, credit or charge card. This card is not accepted at Halfords Autocentres. Cards issued by Halfords Ltd, B98 0DE. These terms and conditions do not affect your statutory rights. Gift codes are valid for 10 months. Gift codes cannot be used in conjunction with any other discount codes. Gift codes cannot be used to pay for bookings made through the book now facility for spa venues featured on Gift codes are only available to use on new bookings and cannot be used to pay outstanding balances on pre-standing bookings. Bookings must be confirmed by telephone.

6 Wynsors World of Shoes One code may be exchanged per transaction at for the code value. The codes may only be used online at they may not be used at Wynsors World of Shoes stores in the UK or on the mobile site The codes cannot be exchanged wholly or partly for cash. Codes cannot be used in conjunction with any other code offer and/or voucher. Keep the codes in a safe place, they are not replaceable if lost or stolen. The codes are subject to standard terms and conditions. See for details. Each code will be valid for 18 months from the date it was issued. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. National Westminster Bank Plc. Registered in England and Wales No Registered Office: 135 Bishopsgate, London EC2M 3UR.

For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account.

For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account. Cashback Plus Terms 1. Introduction Cashback Plus is operated on behalf of us, National Westminster Bank Plc by Sports Loyalty Card Limited (trading as Reward), a private company incorporated in England

More information

1. What is MyRewards? 2. How to set up MyRewards

1. What is MyRewards? 2. How to set up MyRewards MyRewards Terms MyRewards Terms Contents Page 1. What is MyRewards? 3 2. How to set up MyRewards 3 3. Earning Rewards 4 4. How you can use your Rewards 7 5. How we ll get in touch with you and how we use

More information

Terms & Conditions: Burger King: Text to Win

Terms & Conditions: Burger King: Text to Win Terms & Conditions: Burger King: Text to Win Abridged Terms & Conditions 2015 The Coca-Cola company. Coca-Cola is a registered trade mark of The Coca-Cola Company. All rights reserved. GB, CI and IoM residents

More information

Your NatWest Visa Debit Card with contactless

Your NatWest Visa Debit Card with contactless Your NatWest Visa Debit Card with contactless Your new debit card has arrived Your Visa Debit card is a handy way to pay whether you re popping down to the shops or travelling abroad. Use your Visa Debit

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We d like to welcome you as a new Co-operative Membership credit card holder. Welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

Credit cards explained

Credit cards explained Credit cards explained What is a credit card? As its name suggests, a credit card lets you buy things on credit meaning that you don t need to have the money upfront to pay for your purchases. If large,

More information

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest

More information

Overdraft Control. Helping you avoid unarranged overdrafts. Helpful banking

Overdraft Control. Helping you avoid unarranged overdrafts. Helpful banking Overdraft Control Helping you avoid unarranged overdrafts Helpful banking Overdraft Control is a service only available on the Select Account and is designed to help you avoid unarranged overdrafts on

More information

Select Account. The essential guide to your new account

Select Account. The essential guide to your new account Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well

More information

Business Rates. Wales Retail Relief 2015-16. Guidance. Version 1

Business Rates. Wales Retail Relief 2015-16. Guidance. Version 1 Business Rates Wales Retail Relief 2015-16 Guidance Version 1 Contents About this guidance 3 Introduction 3 Section 1 How will the relief be provided? 4 How will the Scheme be administered? 4 Which properties

More information

Under 19s Accounts. Get your money off to a good start.

Under 19s Accounts. Get your money off to a good start. Under 19s Accounts. Get your money off to a good start. What s where in this guide. Account at a glance 1 All you need to make banking easy 2 Cashpoint card or Visa debit card? 3 Using your Lloyds TSB

More information

Your easy guide to cash ISAs. How to make the most of your tax-free savings

Your easy guide to cash ISAs. How to make the most of your tax-free savings Your easy guide to cash ISAs How to make the most of your tax-free savings Make a cash ISA the first place you start saving Cash ISAs are simply savings accounts where the interest is paid tax-free They

More information

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime.

The NatWest Alerts Service. Keep yourself updated, anywhere, anytime. The NatWest Alerts Service Keep yourself updated, anywhere, anytime. 2 1 National Westminster Bank Plc, 135 Bishopsgate, London EC2M 3UR. Registered number: 929027, England. NWB7933 07/06/2011 If you already

More information

GREAT DEALS FOR UNISON MEMBERS. SAVE s

GREAT DEALS FOR UNISON MEMBERS. SAVE s REVISED JULY 2014 GREAT DEALS FOR UNISON MEMBERS SAVE s UNISON is the UK s leading trade union, with 1.3 million members who work in public services or for private companies providing public services.

More information

LEAVING HOME & ARRIVING IN THE UK DON T LEAVE HOME WITHOUT:

LEAVING HOME & ARRIVING IN THE UK DON T LEAVE HOME WITHOUT: CHECKLISTS: THE ESSENTIALS LEAVING HOME & ARRIVING IN THE UK DON T LEAVE HOME WITHOUT: Your passport or national identity card & your travel tickets Your medical certificate Your SAWS work card (if you

More information

Student Account A guide to benefits. All you need to be Uniproof

Student Account A guide to benefits. All you need to be Uniproof Student Account A guide to benefits All you need to be Uniproof Everything you need to know about your new account Your Student Account comes with a host of features and benefits, some you get automatically

More information

THE ABCUL CREDIT UNION PREPAID CARD SUMMARY BOX

THE ABCUL CREDIT UNION PREPAID CARD SUMMARY BOX SUMMARY BOX The information in these tables summarises key product features and is not intended to replace any terms and conditions. ON APPLICATION Card fee 3.50 Other up-front fees 0.50 to load the card

More information

essential cover for your everyday life

essential cover for your everyday life essential cover for your everyday life UNISON is the UK s leading trade union, with 1.3 million members who work in public services or for private companies providing public services. As a member of UNISON

More information

Car Insurance. Summary of Cover

Car Insurance. Summary of Cover Car Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance

More information

Get your money off to a good start.

Get your money off to a good start. Under 19s Account Get your money off to a good start. Our current account for 11 18 year olds. What s where in this guide. Contents. Our Under 19s Account at a glance 2 All you need to make banking easy

More information

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925 Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality

More information

CIBC PETRO-POINTS MasterCard

CIBC PETRO-POINTS MasterCard YOUR WELCOME KIT Welcome to your CIBC PETRO-POINTS MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC PETRO-POINTS MasterCard Card 1 Instant Fuel Savings and Great Rewards 1

More information

ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON RETAILING

ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON RETAILING ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON RETAILING TABLE OF CONTENTS INTRODUCTION... 1 Overview of Goods and Services Tax (GST)... 1 GENERAL OPERATIONS OF THE INDUSTRY... 1 PRICING... 3

More information

UTILITY WAREHOUSE. "In a recent survey, 96% of customers said they would recommend the Utility Warehouse to a friend." SAVE MONEY GUARANTEED THE

UTILITY WAREHOUSE. In a recent survey, 96% of customers said they would recommend the Utility Warehouse to a friend. SAVE MONEY GUARANTEED THE THE UTILITY WAREHOUSE Authorised Distributor "In a recent survey, 96% of customers said they would recommend the Utility Warehouse to a friend." SAVE MONEY GUARANTEED 16/07/12 Who are the Utility Warehouse?

More information

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT Classic Account Contents Welcome 1 Your Lloyds Bank Visa debit card 2 Ways to bank 4 Money Manager 8 Moving your money 10 Using cheques 12

More information

Corporate & Commercial. Your onecard account. An administrator s guide

Corporate & Commercial. Your onecard account. An administrator s guide Corporate & Commercial Your onecard account An administrator s guide Contents Get to know your onecard account 3 Making changes to your onecard account 4 New and replacement cards 5 Troubleshooting transaction

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

Car Solutions Insurance. Summary of Cover

Car Solutions Insurance. Summary of Cover Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich

More information

Daily Till Reconciliation

Daily Till Reconciliation 1. Remove the till float and print reports 2. Sort the contents of the till drawer Ensure that the till float has been removed from the till Print a Current Report Print a Product Sales Report Commence

More information

ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON RETAILING

ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON RETAILING ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON RETAILING TABLE OF CONTENTS INTRODUCTION... 1 Overview of Goods and Services Tax (GST)... 1 GENERAL OPERATIONS OF THE INDUSTRY... 1 PRICING... 3

More information

Business Debit Card Cardholder Terms

Business Debit Card Cardholder Terms Business Debit Card Cardholder Terms Additional Conditions For all HSBC Business Debit Card Cardholders as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What

More information

Cash Account. Looking after your money, everyday.

Cash Account. Looking after your money, everyday. Cash Account Looking after your money, everyday. Contents. Our Bank of Scotland Cash Account 2 What s not included? 3 Using our Bank of Scotland Cash Account 4 Getting more from your Visa debit card 5

More information

SSE UK. Your Benefits

SSE UK. Your Benefits SSE UK Your Benefits Welcome! Your UK Employee Benefits Booklet provides details of the extensive range of benefits you can enjoy as an employee of SSE. Reduced rates are available on a huge range of products

More information

Personal Banking. metrobankonline.co.uk 0345 08 08 500

Personal Banking. metrobankonline.co.uk 0345 08 08 500 Personal Banking metrobankonline.co.uk 0345 08 08 500 time for a new bank Open 7 days, early & late Instant account opening* cards and cheque books printed in store Dedicated switching team Free coin counting

More information

DEBIT CARD FREQUENTLY ASKED QUESTIONS

DEBIT CARD FREQUENTLY ASKED QUESTIONS What is a debit card? How can I activate my debit card? What should I do if my credit card is lost or stolen or if I notice fraudulent debit card transactions? Are there transaction fees for using my debit

More information

PAYROLL CARD FREQUENTLY ASKED QUESTIONS

PAYROLL CARD FREQUENTLY ASKED QUESTIONS The following document provides answers to frequently asked questions regarding the Umpqua Bank Payroll Card. Contact Customer Care at 800-650-7141 with questions. Card Basics Q. How does the Payroll Card

More information

Yes, your card will expire at a given date, which is printed on the front of your card.

Yes, your card will expire at a given date, which is printed on the front of your card. What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

About Your Gift Card

About Your Gift Card About Your Gift Card Valley National Bank Visa Gift Card Terms and Conditions This Agreement sets forth the Terms and Conditions (collectively, the Terms ) applicable to the Valley National Bank Visa Gift

More information

Sample Credit Card Agreement

Sample Credit Card Agreement Sample Credit Card Agreement Please note this is a sample credit card agreement. It does not contain a credit limit, any interest rates, an APR or the Total Amount Payable as this information can vary

More information

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases TD Cash & First Class Important Credit Card Terms and Conditions Rates, fees, and other important costs of the TD Credit Cards are disclosed below. Additional fees and account terms are described in the

More information

Please read this Agreement carefully before you activate your Card. This information forms the Agreement for your Virgin Prepaid

Please read this Agreement carefully before you activate your Card. This information forms the Agreement for your Virgin Prepaid Important information you need know Important The information you need know Important Virgin Prepaid information Travel Money you MasterCard need know Terms The Virgin Prepaid Travel Money MasterCard The

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

Current accounts. Helping you get more from everyday banking

Current accounts. Helping you get more from everyday banking Current accounts Helping you get more from everyday banking To find out more visit natwest.com/currentaccounts or call 0800 200 400 or visit your local branch 1 The NatWest Customer Charter Our commitment

More information

Enjoy the privileges of your Black Account. Our guide to help you

Enjoy the privileges of your Black Account. Our guide to help you Enjoy the privileges of your Black Account Our guide to help you 2 Discover just how much your Black Account can do for you Your new Black Account has more to offer you than an ordinary current account.

More information

TRANSAX Merchant Services Accept more! Better service, lower rates.

TRANSAX Merchant Services Accept more! Better service, lower rates. TRANSAX Merchant Services Accept more! Better service, lower rates. PAY LESS FOR YOUR CARD MACHINE. GET A GREAT DEAL MORE. Accepting card payments is a quick, efficient and secure way of processing customer

More information

GREAT DEALS FOR UNISON MEMBERS. SAVE s

GREAT DEALS FOR UNISON MEMBERS. SAVE s REVISED OCTOBER 2015 GREAT DEALS FOR UNISON MEMBERS SAVE s UNISON is the UK s leading trade union, with 1.3 million members who work in public services or for private companies providing public services.

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

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328 NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION navyfederal.org 1-888-842-6328 Rewards 1,000 Digital downloads including apps. 3,500 Selection of merchandise and gift cards. 5,000 Selection of merchandise

More information

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card.

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card. Welcome to the convenience of a Bank of Melbourne Visa Debit Card. Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia

More information

Welcome to the WorldPay Benefits Club

Welcome to the WorldPay Benefits Club Welcome to the WorldPay Benefits Club Dear Member, As a valued customer we are absolutely delighted to welcome you to the WorldPay Benefits Club powered by Huddlebuy. As part of our ongoing commitment

More information

Your simple ISA guide

Your simple ISA guide Your simple ISA guide How to make the most of your tax efficient savings and investments New ISA allowance 15,000 Contents An introduction to cash ISAs 4 Cash ISA 6 Fixed Rate ISA 7 Stocks & Shares ISA

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

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

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

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

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions

More information

Epsom Staff Association Epsom Staff Association Benefits Package Your Benefits

Epsom Staff Association Epsom Staff Association Benefits Package Your Benefits Epsom Staff Association Epsom Staff Association Benefits Package Your Benefits Epsom Staff Association Guide To Benefits The Epsom Staff Association is the representative body for the staff of H.R.Richmond

More information

UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START

UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START UNDER 19s ACCOUNT FEARLESS KNOWING YOUR MONEY IS OFF TO A GREAT START Growing up means taking charge. As you get older, you ll be doing this more and more especially when it comes to money. Our Under 19s

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

Discounts legal financial

Discounts legal financial portfolio Discounts legal financial membership benefits for you FDA Portfolio offers Savings calculator Find out how much you can save A lot of the benefits in FDA Portfolio are designed to save you money,

More information

I want more. from my bank. Advantage Gold Account. This pocket contains your: Advantage Gold Insurance Leaflet

I want more. from my bank. Advantage Gold Account. This pocket contains your: Advantage Gold Insurance Leaflet I want more from my bank This pocket contains your: Advantage Gold Insurance Leaflet Advantage Gold Account National Westminster Bank Plc 135 Bishopsgate London EC2M 3UR NWB 1081 April 2008 You can get

More information

Important information about your credit card. Your insurance terms and conditions. Insurance Terms and Conditions

Important information about your credit card. Your insurance terms and conditions. Insurance Terms and Conditions Important information about your credit card Your insurance terms and conditions Insurance Terms and Conditions 1 about our insurance services 135 Bishopsgate London EC2M 3UR 1. The Financial Services

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

Basic Current Account Information and Specific Conditions

Basic Current Account Information and Specific Conditions Basic Current Account Information and Specific Conditions Current Accounts Information Contents The Basic Current Account 03 Opening your Basic Current Account 03 What to expect once we have opened your

More information

BUSINESS CHARGE CARD. User Guide

BUSINESS CHARGE CARD. User Guide BUSINESS CHARGE CARD User Guide Keeping control of business expenses This leaflet explains how to make the most of your Business Charge Card whether you will be using the card yourself, or managing the

More information

CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS

CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS Club Lloyds Contents Welcome to Club Lloyds 1 Your Club Lloyds benefits Current account credit interest 2 Banking Offers 4 Lifestyle Benefits

More information

CUSTOMER COPY Credit Agreement

CUSTOMER COPY Credit Agreement CUSTOMER COPY Credit Agreement IMPORTANT INFORMATION 1. Amount of credit limit: Credit limit is notified to you from time to time. 2. Duration of agreement: No fixed period, see Condition 8 of the Terms

More information

Make your budget work for you

Make your budget work for you Welfare Reform Make your budget work for you www.milton-keynes.gov.uk/welfare-reform Make your budget work for you Why budget It s always a good idea to keep track of your money. Budgeting is keeping track

More information

Supermarket Chains and Grocery Market in the UK

Supermarket Chains and Grocery Market in the UK Student projects/outputs No.008 Supermarket Chains and Grocery Market in the UK Emma Li MBA2008 China Europe International Business School, China China Europe International Business School, China 699,

More information

Portfolio Investments Key Features

Portfolio Investments Key Features Portfolio Investments Key Features Including the Investments ISA IMPORTANT INFORMATION YOU NEED TO READ AND UNDERSTAND BEFORE YOU INVEST The Financial Conduct Authority is a financial services regulator.

More information

SAS EuroBonus. Travel Cash. Frequently Asked Questions

SAS EuroBonus. Travel Cash. Frequently Asked Questions SAS EuroBonus Travel Cash Frequently Asked Questions YOUR MOST COMMON QUESTIONS ABOUT TRAVEL CASH 5 Q. How can I request a EuroBonus member Card with Travel Cash? 5 Q. Does it cost anything to get Travel

More information

2ND LEVEL STUDENTS AIB STUDENT ACCOUNT FOR 2ND LEVEL STUDENTS

2ND LEVEL STUDENTS AIB STUDENT ACCOUNT FOR 2ND LEVEL STUDENTS 2ND LEVEL STUDENTS AIB STUDENT ACCOUNT FOR 2ND LEVEL STUDENTS 1 2 WHAT S IN HERE What s it about Page 02 Student Account Page 04 How to open your AIB Student Account Page 06 Spark Something Page 08 Ways

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

POSTFX CURRENCY CARD USER GUIDE

POSTFX CURRENCY CARD USER GUIDE POSTFX CURRENCY CARD USER GUIDE Find out how to: Use your PostFX Currency Card Report your Card lost or stolen Reload your Card And much more... Welcome to your new PostFX PREPAID MASTERCARD CURRENCY CARD

More information

ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY

ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY ISLAMIC ACCOUNT STRONG BANKING THAT UNDERSTANDS THE SHARIAH WAY Downtime. It s a precious commodity. So when you re rushing from A to B, looking after X, Y and Z and juggling a hundred and one things,

More information

Savings Account Rates. Rates correct as at 18 November 2013

Savings Account Rates. Rates correct as at 18 November 2013 Savings Account Rates Rates correct as at 18 November 01 Contents Accounts available to new customers Instant Saver Account Cash ISA First Saver Account Fixed Rate Bond Fixed Rate ISA Accounts not available

More information

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie AIB Graduate Account Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie Contents 01 Introduction 02 How it works 04 AIB Phone, Internet & Tablet Banking 06 AIB Mobile

More information

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY.

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY. 1 MORE THAN A MEMORY. Put what you can in place for those you care about. Whether it s to help contribute towards the costs of your funeral, or simply as a gift that could help make a difference to your

More information

Cash Account Cash Account

Cash Account Cash Account Cash Account Cash Account Looking after your money, everyday Contents Cash Account 3 What s not included? 5 Using your Cash Account 6 Getting more from your Visa debit card 7 How to pay money into your

More information

GAP insurance Protecting your investment

GAP insurance Protecting your investment GAP insurance Protecting your investment Current statistics indicate the risk of your vehicle being stolen or written off is now greater than ever before. Around 315,000* vehicles are stolen every year,

More information

CASH ACCOUNT. Everyday banking 24/7

CASH ACCOUNT. Everyday banking 24/7 CASH ACCOUNT Everyday banking 24/7 Cash Account Contents Your Lloyds Bank Cash Account 1 Using your Lloyds Bank Cash Account 2 What s included? 4 Getting more from your card 5 Banking your way 7 Paying

More information

ISA Guide How to make the most of your tax efficient savings and investments

ISA Guide How to make the most of your tax efficient savings and investments ISA Guide How to make the most of your tax efficient savings and investments How to save with an ISA Whether you re saving for a holiday, a deposit for your dream home or a comfortable retirement, an Individual

More information

VIRGIN STOCKS & SHARES ISA CONDITIONS

VIRGIN STOCKS & SHARES ISA CONDITIONS VIRGIN STOCKS & SHARES ISA CONDITIONS 1 PLEASE MAKE SURE YOU READ THESE CONDITIONS AS THEY CONTAIN INFORMATION YOU NEED TO KNOW This agreement is governed by the Individual Savings Account Regulations

More information

HSBC Premier World Rewards Program Terms & Conditions

HSBC Premier World Rewards Program Terms & Conditions HSBC Premier World Rewards Program Terms & Conditions The HSBC Premier World Rewards Program (the Program ) allows participants with an HSBC Premier World MasterCard to earn Points which can be redeemed

More information

Visa Reloadable Frequently Asked Questions. EMV Travel Card

Visa Reloadable Frequently Asked Questions. EMV Travel Card Visa Reloadable Frequently Asked Questions EMV Travel Card How does the International Prepaid Card work? The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend

More information

ready, steady, take off

ready, steady, take off ready, steady, take off Welcome to your Airpoints credit card All the key information you need to know about your Air New Zealand Airpoints Platinum MasterCard. Important information Your Air New Zealand

More information

2. SCOPE OF THIS AGREEMENT

2. SCOPE OF THIS AGREEMENT The TUI Travel Prepaid MasterCard Terms and Conditions (October 2009) Please read this Agreement carefully before you use your Card. This information forms the Terms and Conditions of your Thomson Travel

More information

Asda Credit Card - Frequently asked questions

Asda Credit Card - Frequently asked questions Asda Credit Card - Frequently asked questions 1) What does the change mean to me? We changed our credit card provider for new applications in July this year. After midnight on 15 January 2013 you ll no

More information

Frequently Asked Questions For Flexible Spending Accounts and the Benny Card

Frequently Asked Questions For Flexible Spending Accounts and the Benny Card Frequently Asked Questions For Flexible Spending Accounts and the Benny Card 1 What is the Benny Card? A. The Benny Card is a MasterCard that gives you an easy, automatic way to pay for qualified health

More information

Over 50s Life insurance nc products How do they compare?

Over 50s Life insurance nc products How do they compare? Over s Life insurance nc products How do they compare? Written & published by redtag Ltd ebruary 2015 Whitepaper - Over s Life Insurance Report.indd 1 19/02/2015 14:23 Contents 01. Introduction 02. Who

More information

Higher One. Who is Higher One? Easy Refunds (OneDisburse SM ) The OneCard (OneFinance SM ) Put It All Together And What Have You Got?

Higher One. Who is Higher One? Easy Refunds (OneDisburse SM ) The OneCard (OneFinance SM ) Put It All Together And What Have You Got? OneAccount User s Guide Index Who is Higher One?...Page 2 How Your Refund is Disbursed...Page 3 Your OneAccount Is Free To Use Here s How...Page 4 Six Easy Ways To Make A Deposit...Page 5 How To Access

More information

Current accounts. Helping you get more from everyday banking

Current accounts. Helping you get more from everyday banking Current accounts Helping you get more from everyday banking The RBS The RBS Customer Charter Customer Charter Our commitment to you We want to be Britain s most helpful bank. So we started by asking you

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

ANZ Bank New Zealand Limited ANZ17881

ANZ Bank New Zealand Limited ANZ17881 ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your

More information

Your RBS Basic Account Visa Debit Card

Your RBS Basic Account Visa Debit Card Your RBS Basic Account Visa Debit Card 1 Welcome to your RBS Basic Account Visa Debit Card You can start using your new card immediately. However, for security reasons some card users may need to activate

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

smile current accounts account charges

smile current accounts account charges smile current accounts account charges 1 Your guide to the charges on smile current accounts The services, charges and rates detailed are effective from 5 July 2015. We can vary or amend these charges

More information