General Terms and Conditions:

1. DBS Personal Instalment Loan Promotion (the “Promotion”) commences from 1 November 2022 and ends on 30 November 2022, both dates inclusive (the “Promotion Period”).
2. Customers who successfully apply for Personal Instalment Loan (the “Loan”) offered by DBS Bank (Hong Kong) Limited (the “Bank”) during the Promotion Period and draw down the approved Loan on or before 21 December 2022, will be awarded with supermarket cash coupon (“Coupons”) and/or “InstaRedeem” amount (“Extra Award”) (respectively and collectively referred as “Rewards”).
3. Rewards are only applicable to customers whose Loan accounts are in good standing and not in default (as determined by the Bank at its sole discretion). If the customer’s credit standing is unsatisfactory or the customer early repays the full amount of the Loan, the Bank reserves the rights to stop issuing the Rewards or deduct the face value of the Rewards awarded to the customer from the relevant Loan account without prior notice.
4. The Bank may modify or terminate the Promotion and/or change these terms and conditions. The Bank’s decision is final.
5. The English version shall prevail if there is any inconsistency between the English and Chinese versions.

Terms and Conditions for Entitlement of Coupons:

6. Customers who successfully apply for and draw down the Loan will be awarded with the corresponding amount of Coupons based on the Loan amount and repayment period set out in the below table:

   Loan Amount	Repayment period of 36 months or below	Repayment period of 36 months above
   HK$100,000 to HK$299,999	HK$500	HK$1,500
   HK$300,000 to HK$999,999	HK$1,000	HK$3,500
   HK$1,000,000 or above	HK$3,000	HK$7,500

7. A redemption letter will be sent to the eligible customer by mail within 5 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.

Terms and Conditions for Entitlement of “InstaRedeem” Amount:

8. Customers who successfully applied for the Loan via the Bank’s website, DBS Card+ mobile application ("DBS Card+") or promotion hotline 2290 8118 of the Bank; and draw down the Loan will be entitled to HK$500 Extra Award.
9. The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 April 2023 to 30 September 2023 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
10. To receive the Extra Award, customers must:
    1. hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 28 February 2023. For customer who holds more than one valid principal credit card issued by the Bank on 28 February 2023, his/her Applicable Credit Card is by default based on the following priority:

       Priority	Applicable Credit Card
       1	DBS COMPASS VISA
       2	DBS Black World Mastercard
       3	DBS Eminent Card
       4	DBS Live Fresh Card
       5	DBS Black American Express Card
       6	Manulife Credit Card
       7	CABLE Power VISA
       8	DBS Pay Less Visa Platinum Card
       9	DBS ecPay VISA

       
       For avoidance of doubt, if a customer holds DBS Black World Mastercard, DBS American Express Card and Manulife Credit Card on 28 February 2023 and successfully applies for DBS COMPASS VISA subsequently on 18 March 2023, his/her Applicable Credit Card is DBS Black World Mastercard by default;
    2. conduct retail spending of amount in excess of HK$500 with that Applicable Credit Card during the Extra Reward Period. For avoidance of doubt, taking the example above, if customer spends with credit cards other than DBS Black World Mastercard, no Extra Award will be entitled by the customer.
11. Reloads of e-Wallets (e.g. PayMe, WeChat Pay and Alipay) and retail transactions paid through e-Wallets will not be considered as spending for pushing of the red “InstaRedeem” button.
12. If an eligible customer does not complete the matters set out in Clause 10 on time, including but not limited to not holding a valid Applicable Credit Card or failing to complete the transaction that can enjoy the Extra Award with the Applicable Credit Card, he/she will be deemed to have forfeited the Extra Award. The Bank will not make any special arrangements and any forms of compensation. For avoidance of doubt, please refer to the below examples:
    • Example 1
      Assume an eligible customer downloads DBS Card+, registers and activates DBS Card+ account on 16 January 2023, and spends with the Applicable Credit Card at retail stores on the following dates, the table below shows the amount of Extra Award awarded to the eligible customer under this case:
      
      

      Transaction Date	Transaction Amount	“InstaRedeem” Amount Pushed	Remarks
      23 March 2023	HK$596.30	Nil	The Extra Award Period has not started
      5 April 2023	HK$84.80	Nil	Transaction amount is below the available push amount
      23 September 2023	HK$535.20	HK$500
      30 September 2023	HK$625.90	Nil	Extra Award awarded
      Total amount of Extra Award awarded:		HK$500

    • Example 2:
      Assume an eligible customer downloads DBS Card+, registers and activates DBS Card+ account on 18 March 2023, and spends with the Applicable Credit Card at retail stores on the following dates, the table below shows the amount of Extra Award awarded to the eligible customer under this case:
      
      

      Transaction Date	Transaction Amount	“InstaRedeem” Amount Pushed	Remarks
      23 March 2023	HK$596.30	Nil	The Extra Award Period has not started
      5 April 2023	HK$635.20	Nil	Fail to download DBS Card+, register and activate DBS Card+ account on or before 28 February 2023
      Total amount of Extra Award awarded:		HK$0

13. The Extra Award of this Promotion cannot be enjoyed in conjunction with other “InstaRedeem” promotion offers offered by the Bank and the merchants. If the customer’s spending meets the requirements of other "InstaRedeem" promotion offer at the same time, the Bank has the right to determine which offer to be awarded in respect of that spending. When the spending has already been awarded in other "InstaRedeem" promotions, the same spending cannot be awarded with the Extra Award again under this Promotion. In case of any disputes, the Bank reserves the right of final decision.
14. The customer must keep the original receipt of each spending transaction. In case of disputes about the entitlement of the Extra Award, the Bank reserves the right to require the customer to present the original receipt of the spending transactions for verification. If there is any discrepancy between the Bank’s and the customer’s record, the Bank’s record and determination shall be final and conclusive.