EXTRA Points Terms and Conditions:
The Hongkong and Shanghai Banking Corporation Limited, India (”HSBC”) in association with Pinpoint India Pvt. Ltd. brings to you the EXTRA Points programme (hereinafter referred to as "programme"), India's premium loyalty initiative, offering you the opportunity to earn you rewards faster and easier with EXTRA Points - a free enhancement to your existing HSBC credit card designed to turbo-charge your rewards earning power.
EXTRA Points is operated by Pinpoint India Pvt. Ltd. ("Pinpoint")
1.  EXTRA Points - Terms and Conditions
      • Once you start earning EXTRA Points, you are deemed to have agreed to be bound by the terms and conditions of the EXTRA Points programme. You agree that these terms and conditions apply to any EXTRA Points that you may earn.
      • HSBC and Pinpoint India reserve the right at any time without previous notice to add, alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this programme by another programme, whether similar to this programme or not, or to withdraw it altogether.
      • Definitions
      "Cardholder" means the customers holding HSBC credit cards eligible under this programme.
         "EXTRA partners" means a merchants who is participating in EXTRA Points programme and providing EXTRA Points to eligible HSBC credit cardholders when they transact using their eligible HSBC card.
         "EXTRA Points" means points provided by the EXTRA partner per 100 spent on the eligible HSBC card.
         "HSBC card" means credit card issued by HSBC.
         "Pinpoint" means Pinpoint India Pvt. Ltd, the operator of EXTRA Points.
         "Redemption partners" means those merchants who provide reward options to HSBC credit cardholders via EXTRA Points programme.
         "Rewards" means those products or services offered to eligible HSBC credit cardholders upon redemption of their EXTRA Points.
      • All words and expressions used but not specifically defined herein shall have the meaning given to them in the applicable terms and conditions issued by EXTRA Points.
      • The use and operation of your HSBC credit card is subject to separate terms and conditions issued by HSBC at the time of availing the HSBC card.
      • You are deemed to have authorised HSBC, Pinpoint India and agents at the EXTRA Points call centre to access and collect information about yourself in order to operate the EXTRA Points programme, which may include:
     a. Personal details like name and address pincode;
     b. Certain transaction information used for the calculation and processing
of EXTRA Points;
     c. Delivery details for the fulfilment of your rewards; and
     d. Any other information you tell us either online or via the EXTRA Points
call centre.
      • Pinpoint agrees not to use or disclose this information except in connection with:
     a. Administering EXTRA Points;
     b. Delivering services and rewards relating to EXTRA Points; and
     c. Promotion and marketing of EXTRA Points, EXTRA partners and
rewards.
      • Please refer to HSBC and Pinpoint’s privacy policy for more information about your data privacy.
2.  How does EXTRA work?
      • EXTRA enables you to earn EXTRA Points when you purchase goods or services from participating EXTRA partners using an eligible HSBC credit card.
      • After accruing EXTRA Points, you may then redeem your EXTRA Points for rewards of your choice from the reward options available, including transferring your EXTRA Points to your HSBC credit card and vice versa.
3.  Earning EXTRA Points
      • Your EXTRA Points are calculated based on the total rupee value charged to the HSBC credit card for goods and services used at participating EXTRA partners.
      • All EXTRA Points are issued per ` 100 spent on the HSBC credit card. Cardholders will earn whole EXTRA Points for every rupee spent rounded up or down to the nearest whole point for each eligible purchase or refund transaction.
      • EXTRA partners offer different amounts of EXTRA Points - the most up to date listing of EXTRA Points offered by EXTRA partners is listed on the EXTRA Points website (www.extrapoints.co.in/hsbc) in the section ‘Earn EXTRA Points’.
      • Note that EXTRA partners and redemption partners may change from time to time. You can check the current list of EXTRA partners and EXTRA rewards on the EXTRA Points website, www.extrapoints.co.in/hsbc.
      • If you, or an additional credit cardholder on your account, return any goods or services purchased with your HSBC credit card from a participating EXTRA partner, or your credit card is credited in connection with a disputed transaction, your EXTRA Points total will be adjusted by any reversed transactions.
      • In most cases, EXTRA Points cannot be earned in addition to an EXTRA partner's own loyalty programme points. For example: Marriott Hotels, more.Supermarkets and ITC Wills Lifestyle. In such instances, the EXTRA partner's loyalty points are issued and not the EXTRA Points.
4.  Points Expiry
      • The EXTRA Points have a validity period of up to 3 years. EXTRA Points will expire two years following 31 December of the year in which they were earned. For example: EXTRA Points earned in November 2010 will expire on 31 December 2012. Any EXTRA Points not redeemed will automatically expire.
      • In certain circumstances, you may not be entitled to redeem your EXTRA Points - for example: if you are overdue paying the minimum outstanding amount on your HSBC card account.
      • If you close your HSBC credit card account, you must use your EXTRA Points within 30 days of the account closing. After that period, you will no longer have access to any EXTRA Points and the points will be forfeited.
      • In the event of the primary credit cardholder’s death, no other person including any additional cardholder, will be entitled to that credit cardholder's EXTRA Points.
5.  EXTRA Points rewards
      • Current EXTRA Points rewards available at any time are set out on the EXTRA Points website - www.extrapoints.co.in/hsbc.
      • All rewards are subject to the conditions on which the reward provider makes the reward available. Such conditions are outlined, according to each reward option, on the EXTRA Points website - www.extrapoints.co.in/hsbc.
      • Only the primary HSBC credit cardholder may request redemption of a reward. Additional credit cardholders on the account are not eligible to request redemption of rewards.
      • You may redeem a reward if you have sufficient EXTRA Points in your points balance at the time of your redemption. The number of points required for each reward is detailed on the EXTRA Points website, www.extrapoints.co.in/hsbc. You can only select rewards from the range currently offered at the time of redemption.
      • You can request redemption of a reward either online or by calling the EXTRA Points call centre. For rewards to be delivered at the address, please allow up to 21 days for processing and fulfilment. The delivery address cannot be a postal box address.
      • Where there is a delay in delivery we shall notify you and may provide you with the option to change your reward redemption request if appropriate.
      • All rewards are subject to availability and substitutions may be offered if the chosen item is unavailable for whatever reason. If the credit cardholder does not wish to accept the offered substitute, he/she may cancel the reward request and his/her EXTRA Points will be refunded.
      • Pinpoint is not responsible if a reward is lost, stolen or damaged after the date of dispatch to the nominated address as identified by the courier’s proof of delivery.
      • If transferring your EXTRA Points to HSBC credit card reward points - you should allow 10 working days for your EXTRA Points to be transferred to HSBC. EXTRA Points may be transferred to HSBC credit card reward points in increments of 100 EXTRA Points.

      • Airline miles conversions - you should allow 10 working days for your EXTRA Points to be transferred to any of the available airline miles programmes offered. You must be a member of the participating airline miles programme in order to transfer EXTRA Points to the nominated airline miles account. Points may only be redeemed for airline miles in set increments of 100 EXTRA Points. Once you have converted EXTRA Points to the airline miles programme, you cannot convert them back to EXTRA Points, the points are no longer subject to these terms and conditions, and the points become subject to the terms and conditions of the airline miles programme.
      • Bill credit - you should allow up to 10 working days for your EXTRA Points to be transferred and credited to any bill credit partner.
      • Reward shopping or dining vouchers - if the reward voucher contains an expiry date, it cannot be used after that time and EXTRA Points will not be re-credited to you if you do not use the reward voucher before the expiry date.
      • Charity donations - you may redeem your EXTRA Points for a donation to a participating charity. You should make your own enquiries with your tax advisor as to whether such a redemption gives rise to any tax deductions.
      • Points plus pay rewards - in the case of certain high-value rewards, if you have insufficient EXTRA Points to enable a redemption using EXTRA Points alone, you may have the option of paying an additional amount for the portion of the reward not covered by your points earning to redeem that reward. This is known as the points plus pay option.
      • Concierge rewards: To qualify for concierge rewards you need a minimum of 20,000 EXTRA Points. Subject to the availability of reward. We shall be acting under instructions received from the cardholder under good faith. All services shall be rendered on a best efforts basis and shall be subject to the availability and existence of the third party providers to render the service. Concierge services will not redeem items, which are prohibited under applicable law or which contravene popular moral or ethical standards. Cardholders are unable to change or cancel orders after points have been redeemed. Return of rewards will not be accepted.
      • You cannot cancel or change a reward request once it has been submitted, nor can you exchange or return a reward to obtain a re-credit of the relevant EXTRA Points.
      • We may, from time to time, need to change the number of EXTRA Points required to redeem certain rewards, or withdraw rewards from the programme.
      • When EXTRA Points are redeemed, they are redeemed in the order in which they were earned so that the oldest points in your points record are redeemed first whenever you request a reward.
      • EXTRA rewards are available for delivery anywhere within India only.
      • We reserve the right to change the manner in which you redeem your EXTRA Points from time to time including by introducing new ways or changing existing ways of redeeming points.
      • EXTRA Points, operated by Pinpoint India Private Limited, is responsible for ensuring that the rewards are made available to you as set out in these terms and conditions.
      • Neither Pinpoint or HSBC are responsible if you are unable to redeem your reward for reasons beyond our control including industrial disputes, insolvency, flood, war, acts of terrorism, acts of God, aircraft unavailability or the failure of an EXTRA partner to honour its obligations according to its commitment to EXTRA.
6.  Keeping track of your EXTRA Points
      • You will receive a monthly EXTRA Points Statement via email, if you have provided your email address to HSBC. The statement will reflect the EXTRA Points credited to your EXTRA Points balance during the statement period and any EXTRA Points you have used to redeem a reward during the statement period. If you do not have an email address registered with HSBC, you are encouraged to provide one. Alternately, you can view your EXTRA Points balance any time online on the EXTRA Points website at www.extrapoints.co.in/hsbc. You may also receive EXTRA Points balance updates via SMS if you have provided your mobile number to Pinpoint.
      • New EXTRA Points are processed and uploaded weekly and can be viewed at any time via the EXTRA Points website after the credit cardholder has logged into his or her ‘My Account’ section.
      • EXTRA Points are available for redemption as soon as they have been added to your EXTRA Points balance.
      • If you believe your EXTRA Points statement is incorrect in any way, you must contact the EXTRA Points call centre within 30 days. We may adjust your total EXTRA Points, if necessary, subject to points having been incorrectly credited or debited for whatsoever reason.
      • You will not have access to your EXTRA Points if HSBC cancels your credit card account for any reason.
      • You will not have access to your EXTRA Points if we reasonably suspect that you or an additional credit cardholder has behaved fraudulently.
      • EXTRA Points is not a property and cannot be transferred, sold, bequeathed or inherited.
      • In case of any disputes pertaining to this programme, cardholders are requested to present original payment receipts and credit card sale slips for further investigation to the Bank/ or Pinpoint India. In all such cases, the decision of the Bank and Pinpoint India shall be final.
      • Any dispute arising out of the EXTRA Points programme will be subject to the jurisdiction of courts in Mumbai only. The existence of any dispute shall not, by itself, constitute any claim against HSBC.
7.  Contact Details
      • You can contact EXTRA in the following ways:
     a. By Email: contact_hsbc@extrapoints.co.in
     b. By Telephone: 1800 209 5141 Toll (Monday to Friday, between
9.00 a.m. - 6.00 p.m. Indian Standard Time)
     c. By Post: write to EXTRA Points, c/o- Pinpoint India, P O Box 7977,
Tulsiwadi Post Office, Mumbai - 400 034.
8.  Disclaimer
      • Pinpoint, as operators of EXTRA Points, and its agents are not liable for any loss caused to you if:
     a. it is caused by your negligence or breach of contract, or
     b. it is caused by events outside of our control (such as an act of God).
9.  Changes to these Terms and Conditions
      • These terms and conditions may be changed at any time without any prior intimation.
      • You agree to be bound by the changed terms and conditions as they apply when you use your credit card or redeem a reward after we notify you of the change or after the change is effective.
10.  Termination
      • If HSBC or Pinpoint chose to terminate the association for EXTRA Points, you would be notified at least 60 days prior to the programme terminating in order to allow enough notice for you to claim your rewards.

HSBC Terms & Conditions
      • This offer is available for all The Hongkong and Shanghai Banking Corporation Limited, India (“HSBC”) credit cardholders (“Cardholders”) enrolled into the EXTRA Points programme in India.
      • This offer comprising of all the promotions is an exclusive offer and cannot be clubbed and/or combined with any other offer.
      • HSBC does not make any warranties or representation about the merchantability or suitability of the offer.
      • HSBC 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 the right to add, alter, modify, change or vary all or any of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to withdraw it altogether at any point in time without prior notice.
      • The offer is subject to force majeure events.
      • Tax liability, if any will be borne by the cardholder.
      • 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 any claim against HSBC.
      • The usage of the credit card is governed by the applicable terms and conditions. Please visit www.hsbc.co.in for the detailed terms and conditions
      • By participating in the offer, the cardholders shall be deemed to have accepted all the aforementioned terms and conditions of HSBC, EXTRA partners and Pinpoint India in totality.