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MoneySmart x DBS Bank (Hong Kong) Limited Credit Card Sign Up Promotion

Terms & Conditions

Contents

Last updated: 27/6/2024

Eligibility        1

DBS Bank (Hong Kong) Limited Credit Cards        2

Gift        4

General        5

Contact Us Information        6

MoneySmart Policy and Terms of Use        7

活動條款        1

星展銀行（香港）信用卡        2

禮品        4

一般事項        5

聯絡我們        6

MoneySmart 政策和使用條款        

Eligibility 

For the purpose of this Promotion:

  1. The “Qualifying Period” will be from 1st July 2024 to 31st July 2024.

  1. All applications applied before and/or after the specified Qualifying 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.

  1. This promotion (“Promotion”) is conducted by MoneySmart Hong Kong Pte Ltd and is open to all residents of Hong Kong.

  1. Each “Successful Application” will receive the MoneySmart Exclusive Gift, based on the pre-selected gifts (refer to Table 1) and status:

“Eligible New Customers” refers to applicants who meet the following conditions:

  1. Is a New-To-Bank Cardholder, with no existing DBS Bank (Hong Kong) Limited Credit Card account* (as main cardmember) at the time when his/her successful application submission via MoneySmart is approved by DBS Bank (Hong Kong) Limited for any Eligible DBS Bank (Hong Kong) Limited Product under this Promotion; and
  2. has not previously cancelled any DBS Bank (Hong Kong) Limited 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.
  3. The card application must be approved within 1 month after the end of Promotion

“Existing Customers” refers to applicants who meet the following conditions:

  1. has an existing DBS Bank (Hong Kong) Limited Credit Card account at the time his/her application for any Eligible DBS Bank (Hong Kong) Limited Product under this Promotion is approved; and
  2. previously have a DBS Bank (Hong Kong) Limited Credit Card account that was terminated/closed (whether by the individual or by DBS Bank (Hong Kong) Limited) in the last twelve (12) months immediately prior to the commencement of the Application Period;
  3. “Existing customers” are not eligible for this promotion.

*For clarity, an existing DBS Bank (Hong Kong) Limited Credit Card account includes an application to upgrade any existing DBS Bank (Hong Kong) LimitedCredit Card as well as an application for any DBS Bank (Hong Kong) Limited Credit Card that has been approved by DBS Bank (Hong Kong) Limited even if the physical DBS Bank (Hong Kong) Limited Credit Card has not been received by the customer and/or has not been activated or utilized by the customer.

  1. An “Eligible New Customer” must follow all the steps listed below in order to have a “Successful Application”:

Table 1: Eligible Credit Card

Card Provider

Eligible Credit Card

Gift

(for new-to-bank customers who applied within the promotional period)

DBS Bank (Hong Kong) Limited

  • DBS Black World Mastercard
  • Jollying Pebble Foldable Slim Suitcase 20" (Retail value: HK$899)
  • JBL Link 20 Voice-activated portable speaker (Retail value: HK$1,699)
  • HK$500 Apple Store Gift Card
  • HK$500 PARKnSHOP Supermarket Voucher

  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 can only submit one Claim Form for the same application. If applicants need to change any information, they can login and edit the form in the system. No further changes to the details in the Claim Form will be entertained after the redemption form has been closed.
  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. View Table 1 for more details.

  1. The approval must be final and unconditional.
  2. “Eligible New Customers” have until the 30th September 2024 23:59 (GMT +8) to submit their claim form, must complete the financial profile first).
  3. All clauses within the terms and conditions stated by the bank will hold and are binding for this campaign without doubt or dispute.

  1. A “Successful Application” is defined as an application as the principal cardholder for the Eligible Credit Card made during the Qualifying Period via the MoneySmart website.
  2. For the purpose of verification, the application reference numbers submitted on the claim form will be passed to the relevant party to validate if the application has been made via the link stated in Clause 5(a).
  3. MoneySmart July 2024 Exclusive Credit Card Referral Bonus:

Eligible Referrers who successfully apply for the designated credit card and have their applications approved will receive an additional 1,000 SmartPoints (equivalent to HK$100) for each referred friend who successfully applies for the designated credit card through MoneySmart and has their application approved.

"Referrer" must have successfully applied for any credit card via MoneySmart's designated link between 1 June, 2023 and 31 May, 2024 or during the Promotion Period (1 July to 31 July)  and entitled to the MoneySmart Exclusive Rewards

"Referee" is defined as a customer who successfully applied for any Eligible Product under this Promotion via MoneySmart’s designated link and has the application approved, and the MoneySmart Redemption Form provides the correct registered email address of the Referrer used to register the MoneySmart account

Eligible credit cards are listed below: AEON CARD WAKUWAKU, DBS Black World Mastercard, DBS Eminent Visa Platinum Card, DBS Eminent Visa Signature Card, EarnMORE UnionPay Diamond Card, WeWa UnionPay Diamond Card, Standard Chartered Smart Card, Standard Chartered Cathay Mastercard, Standard Chartered Cathay Mastercard - Priority Banking,  and Standard Chartered Cathay Mastercard - Priority Private.

a) Referees must complete the MoneySmart Redemption Form and provide the correct registered email address of the Referrer used to register the MoneySmart account for verification purposes. Otherwise, the referrer would lose their eligibility for the referral reward.

b) There is no limit on the number of referees.

  1. In the event of any dispute on the attribution of application source, MoneySmart reserves the final right.

Gift

  1. The “Gift” refers to Jollying Pebble Foldable Slim Suitcase 20" (Retail value: HK$899) OR JBL Link 20 Voice-activated portable speaker (Retail value: HK$1,699) OR HK$500 Apple Store Gift Card OR HK$500 PARKnSHOP Supermarket Voucher.

  1. As long as the campaign claim form is open, Eligible New Customers will have the option to switch their choice of incentive. Once the claim form is closed, the decision is final and any changes in the selection of rewards will strictly not be entertained.

  1. For purposes of awarding the Gift, the applicant has to be an “Eligible New Customer” who submits an application for an Eligible Card (refer to Table 1) as the main cardholder during the Qualifying Period via MoneySmart’s website;

  1. An Eligible New Customer will only be entitled to receive one (1) Gift, regardless of the number of Eligible Cards you may have successfully applied for.

  1. Eligible New Customers will get the choice of gift (if applicable) they chose when filling up the MoneySmart Claim Form (refer to clause 5b); After which change in choice of gift will not be entertained.

  1. Eligibility for the welcome offer by the Credit Card Provider

  1. The welcome offer (if applicable) will not be fulfilled together with any existing Business-As-Usual Gifts.

  1. 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. 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.

  1. 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.

  1. 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.
  2. For any enquiry regarding this promotion, customers are to contact MoneySmart on or before 31st January 2025, overdue inquiry will not be addressed. (Ongoing cases which were enquired before the deadline are excluded.)

General

  1. 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.

  1. 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.

  1. Where eligibility for MoneySmart Promotion rewards are conditional on eligible product approval by the financial product issuer:

  1. 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.

  1. 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).

  1. 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).

  1. 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.

  1. Unless otherwise stated, all rewards assigned for respective product approval are not strictly exchangeable for cash or other gifts / rewards.
Contact Us Information
  1. If the Eligible New Customer fails to receive an email from MoneySmart after 4 months from the end of the promotion period,  kindly reach out to us at contact@moneysmart.hk

  1. This Promotion is offered by MoneySmart and all queries about the promotion should be directed to MoneySmart. All queries regarding the Eligible Cards, including but not limited to application status and the Eligible Cards themselves should be directed to relevant Credit Card Providers.

MoneySmart Policy and Terms of Use

By submitting an application via MoneySmart, "Eligible New Customers" agree to the Terms and Conditions of this Promotion, you will also agree to the Terms of Use and Privacy Policy of MoneySmart.sg.


Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.

活動條款 

是次的推廣活動：

  1. 有效推廣期為 2024年7月1日至2024年7月31日

  1. 所有在指定的推廣期之前或之後提交的申請，或經 MoneySmart 以外的任何方式提交的申請，將不符合本次推廣的資格。任何關於遺失及/或延遲提交的查詢均不予受理。

  1. 此推廣（“推廣”）由 MoneySmart Hong Kong 進行，所有香港居民均可以參加。

  1. 每個“成功申請”經銀行核實後可選擇以下MoneySmart 獨家獎賞（參見表 1）：

“合資格新客戶”是指符合以下條件的申請人：

  1. 在推廣期內透過MoneySmart申請及成功獲批星展銀行（香港）有限公司（下稱"星展”）指定的信用卡，並在申請時沒有持有任何星展主卡信用卡賬戶*；和
  2. 現時所申請星展信用卡主卡批核日起計之過去12個月內沒有取消任何由星展發行之星展信用卡主卡之申請人
  3. 申請人信用卡必須在推廣期完結後一個月內批出

“現有客戶”是指符合以下條件的申請人：

  1. 在提交申請時已持有星展信用卡賬戶；和
  2. 曾經持有星展信用卡，但在批核日起計之過去12個月內曾取消任何由星展發行之星展信用卡主卡之申請人；
  3. “現有客戶”並不合符是次的推廣優惠資格

*“現有客戶”包括但不限於任何申請升級之現有星展信用卡申請人，或已成功批核之申請人，及成功批核但未收到或未確認信用卡的申請人

  1. “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”：

●        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

表 1: 是次推廣活動之指定信用卡

信用卡發卡機構

是次推廣活動之指定信用卡

禮品
(星展新客戶於推廣期內經MoneySmart成功申請及批卡可獲)

星展銀行（香港）有限公司

  • DBS Black World Mastercard
  • Jollying Pebble 20 摺疊式瘦身行李箱 （價值：HK$899） 或
  • JBL Link 20 Google Assistant 智能藍牙無線喇叭（價值：HK$1,699）或
  • HK$500 Apple Store禮品卡 或
  • HK$500 百佳超市現金券

  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. 申請人於換領獎賞表格填寫之姓名及電郵地址必須與申請信用卡之姓名及電郵地址相同。
  4. 申請人只可就同一申請提交一份換領獎賞表格，在表格截止提交前，申請人可登入更改個人資料。表格截止提交後，將不再受理任何信息的更改。
  5. 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。請查看表 1 以了解更多詳情。

  1. 批核結果必須是無爭議。
  2. “合資格新客戶”必須在2024年9月30日23:59 (GMT +8) 前提交MoneySmart 換領獎賞表格
  3. 銀行的條款及細則同樣適用於是次的活動，並由銀行方保留最終決定權

  1. “成功申請”指合資格信用卡主卡持有人在推廣期內透過 MoneySmart 網站提交的申請。
  2. 申請參考編號將會提交予相關的機構，以驗證該申請是否透過條款5(a)內連結所提交。
  3. MoneySmart 2024年7月限定信用卡推薦獎勵計劃 ：

合資格推薦人申請並成功獲批指定信用卡後，每推薦一位親友經MoneySmart申請並成功獲批指定信用卡，可獲額外1000 SmartPoints (等值HK$100）。

「推薦人」須曾於2023年6月1日至2024年5月31日 或 推廣期（2024年7月1日至2024年7月31日）期間透過MoneySmart的指定鏈接成功申請信用卡，並獲批MoneySmart獨家獎賞。

「受薦人」定義為於2024年7月1日至7月31日內成功指定信用卡並獲批核之客戶，其獎賞換領表格須填寫推薦人在註冊MoneySmart帳戶時使用的電郵地址

信用卡名單如下：AEON CARD WAKUWAKU、DBS Black World Mastercard、DBS Eminent Visa Platinum Card、DBS Eminent Visa Signature Card、EarnMORE 銀聯鑽石卡、WeWa 銀聯鑽石卡、渣打Smart卡、渣打國泰Mastercard ®、渣打國泰Mastercard - 優先理財，及渣打國泰Mastercard - 優先私人理財。

a) 受薦人需在推薦獎賞換領表格填上推薦人已登記的電郵以作核實，否則推薦人會失去換領獎賞資格。

b) 推薦人數無上限

  1. 如果對申請渠道結果有任何爭議，MoneySmart將保留延遲發送禮品的決定權及最終決定權。

禮品

  1. 禮品是指 Jollying Pebble 20 摺疊式瘦身行李箱 （價值：HK$899） 或 JBL Link 20 Google Assistant 智能藍牙無線喇叭（價值：HK$1,699）或 HK$500 Apple Store禮品卡 或 HK$500 百佳超市現金券
  2. 申請人必需是合資格的新客戶，並以主卡人的身份在推廣期內透過MoneySmart網站申請是次推廣活動之指定信用卡（請參閱表1）

  1. 每位合資格的新客戶將只會獲贈獎賞乙份，即使提交多於一份成功申請。

  1. 合資格的新客戶將可以在填寫 MoneySmart 換領獎賞表格時選擇禮物（如適用）（請參閱第 5b 條）；其後將不再受理任何更改禮品選擇。
  2. 信用卡發卡機構提供的迎新禮遇獲得資格：

  1. 迎新禮遇（如適用）將不會與現時的獎賞一同派發。
  2. 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. 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。

  1. 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。

  1. 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。
  2. 如有任何關於本次優惠的查詢，請於2025年1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)

一般事項

  1. 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。

  1. 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）。

  1. 申請指定信用卡並參與MoneySmart是次推廣的資格是由相關的機構作審核：

  1. 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。

  1. 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。

  1. 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）。

  1. 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。

  1. 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。

聯絡我們
  1. 如合資格的新客戶在優惠期完結四個月後仍未收到MoneySmart發出的電郵，請電郵至contact@moneysmart.hk.

  1. 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。

MoneySmart 政策和使用條款

透過MoneySmart提交申請，表示申請人同意本次推廣的條款和條件，及MoneySmart的使用條款和隱私政策。

中文譯本僅供參考，文義如與英文本有歧異，概以英文本為準。