Terms and Conditions for 3 Times Reward Points Offer:

• This offer is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) and any participation is voluntary .This offer of 3 Times Reward Points Program is applicable to select HSBC Gold & Platinum Credit Cardholders (hereinafter referred to as the "Cardholder") to whom this communication is addressed.
• The 3 Times Reward Points program is being offered to select Gold & Platinum Credit Cardholders for a period of 3 months beginning from the date the Credit Card account is opened with HSBC. Upon completion of the 3 month period, the Cardholder will not be eligible for the offer.
• Credit Cardholders are eligible for the program only as long as their Credit Card accounts and all linked accounts are valid and there are no amount overdue.
• As part of 3 Times Reward Points program, eligible Credit Cardholders of HSBC will earn higher reward points on specific spend categories as given below
  
• HSBC Gold Cardholders will earn 3 times the Reward points. For e.g. 3 Reward points for every Rs.100 spent for purchases under Restaurants & Entertainment spend categories.
• HSBC Platinum Cardholders will earn 3 times reward points. For e.g. 6 Reward points for every Rs.150 spent on purchases under Airlines & Restaurant categories.
• All other purchases at other merchant establishments or retail outlets which are not included in the 3 Times Reward Points program, as specified above, will earn reward points (regular Reward points) as detailed below -
• Gold Credit Cardholder - 1 Reward point for every spend of Rs 100
• Platinum Credit Cardholder - 2 Reward points for every spend of Rs 150
• The regular Reward points for eligible transactions will be credited when the transaction is posted on HSBC systems while the extra Reward points will be credited at the end of the month and reflect in the next month's statement.
• Reward points will be offered on the Credit Card only for purchases made under categories specified herein above.
• The categories for 3 Times Reward Points program defined above shall have the same meaning as ascribed to the categories by Visa & MasterCard under their respective Merchant Category Codes.
• The category of purchase will be decided on the basis of the Merchant Category Code (MCC) for the merchant establishment where the purchase is made. HSBC reserves the sole right to decide on whether a purchase meets the eligibility criteria as listed above.
• The category of purchase (please refer the appended table below) have been mapped to Merchant Category Code (MCC) based on VISA / MasterCard guidelines and standards. HSBC is not liable for any disputes that arise due to differences in merchant category code mapping maintained by acquiring banks.
• Spend Category Specific:
  • Restaurants: The Cardholder will get reward points in all stand alone restaurants and these do not include restaurants operating within hotels.
  • Entertainment: Kindly refer to the addendum for a list of MCCs falling under this category.
  • Airlines: Kindly refer to the addendum for a list of MCCs falling under this category.
• HSBC reserves the right to include more Category / Merchant Category Code or exclude certain existing categories / Merchant Category Codes from the product proposition.
• The Cardholder will earn a maximum of 250 Reward points in a month under this program.
• Cash advances, any fees/charges and disputed transactions will not accrue Reward points.
• Purchases on add-on Credit cards will accrue Reward points which will be credited to the primary Cardholder's card account. Only the primary Credit Cardholder can redeem Reward points.
• 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 program by another program, whether similar to this program 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 program 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.
• Credit Cardholders cannot redeem their Reward points against dues outstanding on their Credit Card.
• The usage of the Credit Card is governed by the applicable terms and conditions. Please visit www.hsbc.co.in for the same.
• All conditions of the HSBC Rewards Programme shall apply.
• By participating in the 3 Times Reward Points program, the Cardholders shall be deemed to have accepted all the aforementioned Terms and Conditions in totality.

Addendum:

The sub categories and their respective MCCs under each of spend categories include the following:

Restaurants:

Entertainment:

Airlines: