HSBC Terms and Conditions:

• This offer is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (hereinafter referred to as ‘HSBC’). This offer is applicable only to the HSBC Gold Credit Cardholder (hereinafter referred to as ‘Cardholder’) to whom the communication is sent. Any participation in the offer is voluntary
• Purchases made by Add-on credit cardholders will not be eligible for the offer
• To avail of the offer, the Cardholder must purchase from Croma and inform the person at the billing counter of his/her intent of availing the offer. The payment must be made for the purchase amount using the Cardholder’s HSBC Gold Credit Card only for the Cardholder to avail of the offer. The Cardholder will be handed over his gift in the store itself once the payment is successfully made
• The offer is open from 20 December 2009, to 15 February 2010, both dates inclusive (hereinafter referred to as the (‘Offer Period’)
• ‘Spends’ is defined as Purchases made on the Credit Cards and does not include cash advances made by the Cardholder
• All visuals in the communication sent to the Cardholder are for representational purposes only
• The reward(s) for this offer cannot be exchanged for cash
• HSBC does not make any warranties or representation about the quality, merchantability or suitability of the merchandise offered as reward under this offer
• HSBC India will not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered, as a result of participating in the offer
• HSBC reserves its absolute right to withdraw or alter any of the terms and conditions of the offer at any point in time without prior notice to the Cardholders. All decisions in respect of the offer shall be at the sole discretion of HSBC and the same shall be final, binding and non-contestable. All Cardholders waive any and all rights of claim with regard to the Offer against HSBC
• Any dispute arising out of or in connection with this offer shall be subject to the exclusive jurisdiction of the courts in Mumbai only. The existence of a dispute, if any, shall not constitute a claim against HSBC
• All decisions in respect of the offer shall be at the sole discretion of HSBC and the same shall be final, binding and non-contestable. All Cardholders waive any and all rights of claim with regard to the Offer against HSBC
• Tax liability, if any will be borne by the Cardholder
• The Offer is subject to force majeure events
• The usage of the Credit Card is governed by the applicable terms and conditions. Please visit www.hsbc.co.in for the detailed terms & conditions
• By availing the offer the Cardholder accepts all the aforementioned terms & conditions in totality

Croma Terms and Conditions:

• Croma, Infiniti Retail Limited (IRL) will give following free gifts to HSBC Gold Credit Cardholders on purchase of product(s) against billing of prescribed values from any Croma stores across India:
  i. A Blender Cup n Rack worth Rs. 1100, on purchase of any product(s) against billing of Rs. 15001 to 25000
  ii. A Croma Car Vacuum Cleaner worth Rs.1490, on purchase of any product(s) against billing of Rs. 25001 to 40000
  iii. A 0.5 Ltr Vacuum Cleaner worth Rs.1800, on purchase of any product(s) against billing of Rs. 40,001 or above
• The offer shall commence from December 20, 2009 and will end on February 15, 2010 (both dates are inclusive)
• The Offer shall be subject to such other terms and conditions as may be prescribed by IRL to administer this Offer smoothly and efficiently
• The Offer has been extended as a promotion measure by IRL without any obligation to do so and the IRL shall be entitled to alter the terms of the said Offer any time without any prior notice to anybody
• No two offers can be clubbed together
• Offer valid on purchases made using the HSBC Gold Credit card only and no other card