HSBC Terms and Conditions

• Select HSBC Gold and Platinum Credit Cardholders (hereinafter referred to as the "Cardholder") to whom this communication is addressed are eligible to earn 10 times the Reward points on the purchase amount above the target value on the spends on "Restaurants" category (hereinafter referred as the "Offer") during 15 August, 2011 to 15 October, 2011 ( Both dates inclusive) (Offer period).
• This Offer is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) and any participation is voluntary.
• Last four digits of the credit card account number which is eligible for this Offer, are mentioned in the Offer communication.
• Eligible HSBC Credit Cardholders will earn higher reward points on spends at "Restaurants" as given below :
  • HSBC Gold Cardholders will earn 10 times reward points. For e.g. 10 Reward points for every
    100 spent above the target amount
  • HSBC Platinum Cardholders will earn 10 times reward points. For e.g. 10 Reward points for every 75 spent above the target amount
• Only transactions at "Restaurants" will be eligible for this Offer. (All stand alone restaurants not including restaurants operating within hotels.)
• The category "Restaurants" for this 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 to Appendix 1 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.
• Additionally, for a transaction to qualify for Ten Times Rewards –
  • The value should be greater than INR 1500 (or equivalent)
  • Must be carried out using the Cardholder’s HSBC Credit Card (Card Account number mentioned in the communication)
  • The transaction may also be carried out using the Add-on Credit Card linked to the same Card Account number.
• The Cardholder will earn a maximum of 2,000 Reward points (including Primary & Add-ons) under this program within the offer period.
• 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 within a month of the offer expiry date and reflect in the subsequent monthly statement.
• Credit Cardholders cannot redeem their Reward points against dues outstanding on their Credit Card.
• Only non-defaulting Cardholders will be eligible for the Offer.
• Incase of a reversal of a particular transaction, that transaction will NOT be counted or such purchase will NOT be considered eligible for this Offer.
• 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.
• All conditions of the HSBC Rewards Programme shall apply.
• HSBC does not make any warranties or representation about the quality, merchantability, suitability or availability of the products or services availed by the Cardholder or about the merchant establishments. All disputes in this regard should be taken up directly by the Cardholder with the merchant establishments.
• 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 availing this Offer.
• 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.
• HSBC reserves its absolute right to withdraw or alter any of the terms and conditions of this Offer at any time without prior intimation to the cardholders.
• By availing the Offer the Cardholder accepts the Terms and Conditions as specified above in totality.
• Usage of credit card shall be governed by terms and conditions. Please visit hsbc.co.in for detailed terms and conditions of the credit card.