MoneySmart X 大新銀行信用卡獎賞換領計劃

條款及細則

1. 是次迎新禮遇只適用大新銀行信用卡全新客戶，即在申請時沒有持有任何大新信用卡賬戶；和現時所申請大新信用卡主卡批核日起計之過去12個月內沒有取消任何由大新發行之大新信用卡主卡之申請人
   
2. 每位合資格的新客戶將只會獲贈MoneySmart 額外獎賞乙份，即使提交多於一份成功申請。獎賞見下表：

3. “合資格之新客戶”須遵循以下列出的所有步驟才能被視為“合資格申請”：

1. 於推廣期內以主卡人身份於推廣網站https://www.moneysmart.hk/（「推廣網站」）填寫並提交提定的信用卡申請。
2. 經由MoneySmart指定連結申請信用卡之前，須先
   關閉廣告攔截功能 (AdBlock或其他類似功能)
   清除瀏覽器的快取和Cookie
   不要使用「無痕模式」
   關閉防止跨網站追蹤的設定（Safari用家）或 關閉不追蹤功能（Chrome 用家）
   在按下MoneySmart指定連結後盡快完成信用卡申請，不要中途打開其他網頁
   申請前請關閉AdBlocker及類似功能，及不要使用「無痕模式」或「私隱模式」，並清除快取，以符合是次換領計劃資格，在按下MoneySmart指定連結後盡快完成信用卡申請，不要打開其他網頁。
   

4. 大新銀行信用卡之申請必須於2023年2月1日至2023年2月28日(包括首尾兩日) 內完成提交。
5. 需在2023年4月30日 23:59 (GMT +8) 前填寫 MoneySmart 換領獎賞表格(必須於系統內先完成我的財務狀況)，並確保填寫正確之(1) 聯繫方式和 (2) 有效的申請參考編號

1. 必須提交換領獎賞表格以作核實之用。
2. 申請人必須提交完整及準確的換領獎賞表格，否則將失去獲得禮品資格。
3. 申請人可就同一申請提交多於一份換領獎賞表格，並以最新提交的為準。收到最終換領獎賞表格後，將不再受理任何信息的更改。合資格的新客戶可在填寫換領獎賞表格更改禮品選擇。當換領獎賞表格不再接受提交時，將不再受理任何更改禮品選擇。
4. 禮品金額和禮品類型是根據您申請的信用卡及申請時的推廣為準。請確保您選擇的禮物是合符您的申請資格所獲得的禮物。我們保留最終更改的權利。

6. 此獨家推廣優惠不可與其他推廣優惠同時使用
   
7. 合資格申請人之參考編號將轉交至大新銀行作核實大新銀行信用卡之申請。
   
8. 合資格並在推廣期成功申請的用戶，會於推廣期完結後6個月內收到獎賞（因應實際供貨安排，日子有機會更改）收到獎賞。
   
9. 合資格的新客戶需確保填寫正確資料。 MoneySmart 將不會負責因為客戶填寫錯誤資料而導致任何禮品兌換的延誤或遺漏。當中包括：

1. 申請人提交不完整的換領獎賞表格將被取消獲獎資格。申請人提交錯誤或含欺詐信息的換領獎賞表格也將被取消獲獎資格。
2. MoneySmart不會為因互聯網連接問題或其他原因而未收到的任何換領獎賞表格負責。
3. 在申請人收到確認電郵前，換領獎賞表格將不會被視為成功提交。MoneySmart有機會要求申請人提供此電子郵件的副本以核實他們的申請。
   

10. 收到換領獎賞表格確認電郵並不等同於您的申請獲批，也不能用以確認您的獲獎條件。獲獎資格由銀行決定，銀行報告將保留最終決定權。
    MoneySmart 不會為由銀行的任何行為或疏忽和/或不可控因素而導致的禮品派發延遲或錯誤負責。
    
11. MoneySmart保留更改禮品的最終權利。如果禮品需延遲送出，MoneySmart將通知收件人並作出必要安排以發送禮品。
    
12. 如果MoneySmart發現該申請是透過其他渠道提交，或在推廣期限之外完成的，和/或涉嫌欺詐，違反推廣目的，或不符合推廣條款及細則，則MoneySmart保留拒絕任何兌換禮品的權利。如有爭議，MoneySmart保留最終決定權。如果我們懷疑申請人參與任何形式的非法活動或欺詐，我們將保留向警方或有關當局報告及追究權利。
    
13. 如有任何關於本次優惠的查詢，請於2023年8月31日或之前聯絡MoneySmart，逾期查詢恕不受理 (限期前提出查詢，正在跟進中的個案除外)
    
14. 如不合資格領獎，恕不另行通知
    
15. 參加活動即表示所有申請人同意受這些條款和條件。MoneySmart保留隨時修改推廣條款和條件的權利，恕不另行通知。
    
16. 成功申請人將不再有權就是次推廣活動之指定信用卡的同一申請獲得其他獎勵（如有）
    
17. 申請指定信用卡並參與MoneySmart是次推廣的資格是由信用卡發卡機構作審核：

1. 申請人了解並同意，所有金融產品（包括但不限於信用卡、保險和貸款）的申請均由該產品機構自行決定，並保留最終決定權； MoneySmart 不保證任何信用卡和貸款產品的審核狀況。
2. 獲批的產品須經MoneySmart連結申請，MoneySmart將會與發卡機構核實。
   

18. MoneySmart對與此推廣活動有關的所有事項保留最終決定權，並對所有申請人俱有約束力，包括確定申請人或申請是否符合這些獲獎的條件。
    
19. 如果申請人被發現或合理懷疑參與任何形式的欺詐行為（包括但不限於虛假身份、篡改圖像、故意發送垃圾郵件或操控任何 MoneySmart 的流程或網站），MoneySmart 將保留取消任何參與者的資格並扣留或沒收全部或部分禮品的權利。
    
20. 當推廣產品為信用卡時，申請人必須主卡申請人，才有資格獲得獎勵（即附屬卡申請不符合獲得獎勵的資格）。
    
21. 是次推廣不會作任何豁免，包括但不限於延長換領獎賞期限、更改條款或重發禮品等豁免要求一律不會受理。
    
22. 除特別說明之情況，所有已獲批之獎賞不能兌現或更改為其他禮品。
    
23. 此推廣活動由 MoneySmart 提供，有關推廣活動的所有查詢請直接聯繫至 MoneySmart。 有關信用卡的所有查詢，包括但不限於申請狀態和信用卡本身，請直接聯繫相關信用卡發卡機構
    
24. 如有任何爭議，MoneySmart保留最終決定權
    
25. 如不合資格領獎，恕不另行通知
    
26. 申請者明白及接納獎賞由MoneySmart提供，大新銀行（香港）有限公司毋須對該額外禮遇負上任何責任。如有任何爭議，將交由MoneySmart 與申請者解決，並不影響申請者交還貸款予大新銀行（香港）有限公司的權責。

MoneySmart X Dah Sing Bank CreditCard Rewards Redemption Programme

Terms & Condition

1. This welcome offer only eligible for new applicant with no existing Dah Sing Bank (Hong Kong) Credit Card account* (as main cardmember) at the time when his/her successful application submission via MoneySmart is approved by Dah Sing Bank (Hong Kong) for any Eligible Dah Sing Bank (Hong Kong) Product under this Promotion; and has not previously cancelled any Dah Sing Bank (Hong Kong) in the last twelve (12) months immediately prior to his/her application for the Eligible Card and prior to the commencement of the Application Period.
   
2. Each eligible applicant is only entitled to the MoneySmart exclusive reward (refer to below table)once per each credit card.

3. You must complete the Credit Card application between 1 February 2023 to 28 February 2023, dates inclusive. All applications applied before and/or after this period, or submitted through any means other than MoneySmart, will not be eligible for this Promotion. Any correspondence on missing and/or delayed submissions shall not be entertained.
4. “Eligible New Customer” must follow all the steps listed below in order to have a “Successful Application”:

1. Complete and submit an application for an Eligible Credit Card on the promotion website https://www.moneysmart.hk/en/credit-cards/american-express as a main cardholder during the promotion period.
2. Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users). After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page.
3. Complete the MoneySmart Redemption Form before 30 Apr 2023 23:59 (GMT +8)  and ensure that they submit their (1) Contact Details and (2) a valid Unique Reference Number (URN)

1. Claim for the reward must be submitted.
2. Applicants who do not complete the Claim Form fully, and accurately will not be eligible for the Gift.
3. Applicants may submit more than one Claim Form for the same application, and the latest submission taken as final. No further changes to the details in the Claim Form will be entertained after the final entry is received.
4. The Gift amount and Gift type are based on the promotional period of the card you have applied for. Please ensure that the Gift you have selected is the Gift that you qualify for, should you be eligible. We reserve the right to make changes at our absolute discretion.
   

5. For the purpose of verification, the application reference numbers submitted on the claim form will be passed to the Credit Card Provider to validate if the application has been made via the designated link.
   
6. This offer cannot be made in conjunction with any other promotional offer.
   
7. Eligible New Customers shall be solely responsible to share the correct details with MoneySmart. MoneySmart shall not be responsible for any defaults/failure in gift redemption due to incorrect information(s) shared by the customers. In this regard:

1. Participants who submit incomplete Claim Forms will not be eligible for any rewards. Participants who submit Claim Forms containing invalid or fraudulent information will also be disqualified from MoneySmart rewards.
2. MoneySmart is not responsible for any information not received due to internet connectivity issues or otherwise.
3. Claim Forms will not be confirmed as submitted until participants receive an email confirmation. MoneySmart may from time to time request participants to provide a copy of this email to verify their applications.
   

8. Claim Form submissions confirmation do not equate to your application approval, nor does it confirm your Eligibility Conditions. These are all decided by the bank and the bank’s decision is final and binding.
   
9. An Eligible New Customer whose application is approved within the “Qualifying Period” will receive their Sign-Up Gift within 6 months after the end of Promotion.
   
10. MoneySmart shall not be liable for delay or error in Gift transfer occurring due to any acts or omissions of the banks and/or due to any reason beyond its control.
    
11. MoneySmart reserves the final right to change the Gifts given. In the case of delays in the delivery of the Gifts, MoneySmart will notify the recipients and make the necessary arrangements to deliver the Gifts.
    
12. MoneySmart reserves the right to reject any Gift redemption if the application is found to be made via other channels, or completed outside of the Qualifying Period, and/or fraudulent, against the spirit of the promotion, or non-compliant with the Promotion Terms and Conditions. In the event of disputes, MoneySmart’s decision shall be final. Where we suspect a participant is participating in any form of unlawful activity or fraud, we reserve the right to report such activity or suspicions to the police or relevant authorities.
    
13. For any enquiry regarding this promotion, customers are to contact MoneySmart on or before 31 August 2023 at contact@moneysmart.hk, overdue enquiry will not be addressed. (Ongoing cases which were enquired before the deadline are excluded.)
    
14. Please note that only eligible users will be notified by MoneySmart.
    
15. By participating in this Promotion, each participant agrees to be bound by these Terms and Conditions. MoneySmart reserves the right to amend the Terms and Conditions of the Promotion at any time, without prior notice.
    
16. This promotion cannot be combined with any other offers. The Successful Applicant shall NOT be further entitled to receive other rewards in relation to the same application for the Eligible Card, if any.
    
17. Where eligibility for MoneySmart Promotion rewards are conditional on eligible product approval by the financial product issuer:

1. Participants acknowledge and agree that approval on applications for all financial products (including but not limited to credit cards, insurance, and loans) are made at each product issuer’s discretion. Their decisions are final; MoneySmart does not guarantee the approval of any Credit Card and Loan products.
2. The approved product must have been applied for via MoneySmart. MoneySmart shall consult with its product issuing part.
   

18. MoneySmart’s decision on all matters relating to this Promotion is final and binding on all participants, including determining whether a claimant or claim is eligible under these terms.
    
19. MoneySmart reserves the right to (at its own discretion) disqualify any participant and withhold or confiscate in full or part, any MoneySmart rewards if the participant is found to be, or reasonably suspected of participating in any form of fraudulent practices (including but not limited to false identities, doctoring images, wilful spamming or manipulation of any MoneySmart’s processes, or website).
    
20. Where rewards are pertinent to credit card products: the participant has to make an application for a principal card, in order to be eligible for rewards (i.e. supplementary card applications do not qualify for additional rewards).
    
21. Requests for exceptions on voucher conditions (including but not limited to extending validity dates, amending conditions, or reissuing vouchers) cannot be entertained; no exceptions are possible.
    
22. Unless otherwise stated, all rewards assigned for respective product approval are not strictly exchangeable for cash or other gifts / rewards.
23. Applicants understand and accept that the gift is provided by MoneySmart. Dah Sing Bank (Hong Kong) shall not act as, or assume any liability of, the gift supplier (or its agent). Any claim, complaint, or dispute concerning the gift must be referred to and resolved between the relevant supplier and the Applicant, which shall in no way relieve such Applicant from his/her, payment or other obligations to Dah Sing Bank (Hong Kong) .