2018 UOBM PRVI Miles Card Terms and Conditions

Transcription

1 2018 UOBM PRVI Miles Card Terms and Conditions Effective 1 January 2018 General These terms and conditions ( Terms and Conditions ) shall apply to United Overseas Bank (Malaysia) Bhd s ( K) ( UOBM ) PRVI Miles Card issued by UOBM to UOBM PRVI Miles Cardholders ( Cardmembers ). These Terms and Conditions are to be read together with the UOBM VISA/MASTERCARD Cardmember Agreement ( Cardmember Agreement ) For the avoidance of doubt, "Cardmembers" shall mean both principal and supplementary Cardmembers. Unless defined differently in these Terms and Conditions, words and expressions used in these Terms and Conditions will have the same meaning as in the Cardmember Agreement. UOBM reserves the right at its sole and absolute discretion to decide on all matters pertaining to the award and/or use of any or all of the benefits and privileges stated herein and UOBM s decision shall be final and binding on the Cardmembers. The benefits and privileges described below may be amended, supplemented or revoked by UOBM at any time at UOBM s sole and absolute discretion. UOBM PRVI Miles Rewards Programme 1) The following are the rewards awarded under 2018 UOBM PRVI Miles Card ( Rewards Programme ): (a) UOBM PRVI Miles Card Overseas 1% Cash Back ( Cash Back Rewards ) (i) (ii) The principal and supplementary Cardmembers will be entitled to 1% cash back ( Cash Back Rewards ) for overseas spend amounting to a minimum of Ringgit Malaysia One Thousand (MYR1,000) equivalent for the eligible spend that is charged and debited to their Card from 1 January 2018 to 31 December 2018 (both dates inclusive) or such other dates as may be determined by UOBM from time to time ( Cash Back Rewards Period ). Eligible spend for this Cash Back Rewards shall mean any spend made using the Card in foreign currency ( Eligible Spend ) except for the following: a. Payments made in Dynamic Currency Conversion ( DCC ), i.e. overseas purchases paid in Ringgit Malaysia b. refunded, disputed, unauthorized or fraudulent retail transactions; c. cash withdrawals; d. payments to the court, government, state authorities or local authorities such as alimony, child support, fines, bail, bond and taxes; e. payments to charity bodies / organizations; 1

2 f. annual card membership fees payments, interest payments, late payment fees, cash withdrawal charges, goods and services tax and any other form of service/miscellaneous fees for the Card; and g. any other spend as UOBM may determine. (iii) Eligible Spend is calculated from 00:00 hours on 1 January 2018 to 23:59 hours on 31 December 2018, Malaysia time (GMT +8). (iv) The Eligible Spend made by the principal and supplementary Cardmembers shall be capped at Ringgit Malaysia Ten Thousand (MYR10,000) per Participating Week as illustrated in Table B. Every subsequent spend beyond the capped amount will not be awarded with the Cash Back as illustrated in Table A. Table A Maximum Eligible Spend amount eligible for Cash Back per Participating Week Total Weekly Eligible Spend (RM) Cash Back to be Awarded (RM) RM10,000 Eligible Spend by both principal and supplementary Eligible Cardmember RM15,000 RM10,000 x 1% = RM100 (v) The weekly Cash Back payout is capped at RM3,000 as illustrated in Table B throughout the Cash Back Rewards Period which will be awarded on a first come, first served basis, based on UOBM s transaction records. UOBM does not have any obligation to inform any Cardmembers should the weekly Cash Back payout reached the maximum payout limit. Table B (Example of Participating Week) Participating Week Date Weekly Cash Back Payout Limit Week 1 1 January January 2018 RM3,000 Week 2 8 January January 2018 RM3,000 Week 3 15 January January 2018 RM3,000 Week 4 22 January January 2018 RM3,000 Week 5 29 January 4 February 2018 RM3,000 Week 6 5 February February 2018 RM3,000 Week 7 12 February February 2018 RM3,000 Week 8 19 February February 2018 RM3,000 Week 9 26 February 4 March 2018 RM3,000 Week 10 5 March March 2018 RM3,000 Week March March 2018 RM3,000 Week March March 2018 RM3,000 2

3 Participating Week Date Weekly Cash Back Payout Limit Week March 1 April 2018 RM3,000 Week 14 2 April April 2018 RM3,000 Week 15 9 April April 2018 RM3,000 Week April April 2018 RM3,000 Week April April 2018 RM3,000 Week April 6 May 2018 RM3,000 (vi) (vii) (viii) (ix) The Eligible Spend made during the Cash Back Rewards Period must be captured by the credit card system maintained by UOBM in order to be eligible for participation in the Cash Back Rewards. Transactions made by the supplementary Cardmembers will be aggregated with the principal card s spending and the Cash Back will only be credited to the principal card s account. Example of the Cash Back tabulation is shown in Table B. The determination on whether the maximum Cash Back awarded for Eligible Spend set each week shall be based on the date the charges are processed by UOBM and debited to the Cardmember s card account and not the date the Eligible Spend transaction made by the Cardmember. The Cash Back will be credited into the Cardmembers card account within eight (8) weeks after the end of each Participating Month. The Cash Back will be reflected in the monthly Statement of Account that follows after the date of crediting the Cash Back. Participating Month Table C Month of crediting Cash Back 1 January January 2018 February 2018/March February February 2018 March 2018/April March March 2018 April 2018/May April April 2018 May 2018/June May May 2018 June 2018/July June June 2018 July 2018/August July July 2018 August 2018/September August August 2018 September 2018/October

4 1 a. September September 2018 October 2018/November October October 2018 November 2018/December November November 2018 December 2018/January December December 2018 January 2019/February 2019 (x) (xi) (xii) (xiii) (xiv) Cardmembers shall not be eligible for the 5X UNIRinggit Reward Points for Overseas Spend categories under the 2018 UOBM PRVI Miles Rewards Programme. At the time of awarding the Cash Back, the Cardmembers card must be valid, current, subsisting and in good credit standing as may be determined by UOBM at its sole and absolute discretion and not in breach of any of these terms and conditions and the terms and conditions of the Cardmember Agreement. Any props, accessories or equipment featured together with the Cash Back in all printed materials, website or UOBM branches are for illustrative purposes only and shall not form part of the Campaign. UOBM reserves the right: a. to forfeit the Cash Back in the event there is a reversal of the Eligible Spend entry or the termination of the Cardmembers card prior to the Cash Back being credited into the Cardmembers card account, or non-compliance or breach of these terms and conditions or the Cardmember Agreement with prior notice without assigning any reason and b. to substitute the Cash Back with any other product of similar value with prior notice. The Cash Back is non-transferable to any other party or parties and not exchangeable for cash, other goods or credit, whether in part or in full. (b) UNIRinggit Reward Points ( UNIRM Points ) (i) The UNIRM Points Programme is valid from 1 January 2018 to 31 December 2018 (both dates inclusive). (ii) 1X UNIRM Point will be awarded for any spend using UOBM PRVI Miles Card except for the items stated in Clause 2 below. (iii) The UNIRM Points accumulated by both the principal and supplementary Cardmembers will be credited into the principal Cardmember s card account and will be reflected in the principal Cardmember s monthly Statement of Account. 4

5 (iv) The total UNIRM Points earned each month will be reflected in the principal Cardmember s monthly Statement of Account. In the event the system supporting this automated process becomes unavailable, the UNIRM Points earned will be manually fulfilled and reflected in the principal Cardmember s Statement of Account in the following month. (v) Any accumulated UNIRM Points including UNIRM Points which are pending crediting into the principal Cardmember s card account shall immediately cease to be valid upon occurrence any of the following: (a) Any cancellation of the Card; (b) Any conversion from the Card to any other UOBM Credit Cards; or (c) Card account becomes delinquent as may be determined by UOBM. (vi) The UNIRM Points are non-transferable to any other party and not exchangeable for other goods or cash. (vii) The UNIRM Points earned by the principal and supplementary Cardmembers have no monetary value. (c) 5X UNIRinggit Reward Points for Airlines, Hotels and Travel Agencies ( 5X UNIRM Reward Points ) (i) The 5X UNIRM Reward Points Programme is valid from 1 January 2018 to 31 December 2018 (both dates inclusive). (ii) Subject to these Terms and Conditions, the principal and supplementary Cardmembers will be entitled to 5X UNIRM for every RM1.00 spend for airlines, hotels and travel agencies ( Eligible Spend ) that is charged and debited to their UOBM PRVI Miles Card Account. The Eligible Spend shall consist of any spend in any of the spend categories set out in the 1 st column of Table D below ( Eligible Spend Category ): Table D: Eligible Spend Merchant Category Code Category ( MCC ) / Currency Code Airlines Hotels Description of Eligible Spend Airlines, Air Carriers Lodging Hotels, Motels, Resorts Lodging Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified) 7012 Timeshares Travel Agencies 4722 Travel Agencies and Tour Operators 5

6 (iii) The 5X UNIRM to be awarded is limited for a combined Eligible Spend amount of RM3,000 by cardmembers in every month. Every subsequent RM1.00 spend beyond the said Eligible Spend amount will be awarded with 1X UNIRM Points under the UNIRinggit Rewards Points as set out in Clause 1(b)(i). Example of the UNIRM tabulation is shown in Table E below: No. Eligible Spend Category 1 Airlines Maximum Eligible Spend amount eligible for 5X UNIRM per month Table E: RM3,000 in any or combined Eligible Spend Category by both principal and supplementary Cardmember (every subsequent RM1 spend beyond the maximum Eligible Spend amount = 1X UNIRM) 6 Total monthly spend (RM) UNIRM to be awarded RM2,000 5X UNIRM x RM2,000 = 10,000 UNIRM 2 Hotels RM1,500 (a) 5X UNIRM x RM1,000 = 5,000 UNIRM (b) 1X UNIRM x RM500 = 500 UNIRM 3 Travel Agencies RM1,000 1X UNIRM x RM1,000 = 1,000 UNIRM Total UNIRM to be awarded = 1 + 2(a) + 2(b) + 3 = 16,500 UNIRM (iv) The Eligible Spend must be captured by the credit card system maintained by UOBM in order to be entitled to the 5X UNIRM Rewards Points. (v) For the avoidance of doubt, the Eligible Spend made by the supplementary Cardmembers will be combined with the principal Cardmember s Eligible Spend, but the UNIRM will be credited to the principal Cardmember s card account. (vi) The determination on whether the maximum UNIRM awarded for the Eligible Spend is met shall be based on the date the charges are processed by UOBM and debited to the principal Cardmember s Card Account and not the date the Eligible Spend transaction made by the principal or supplementary Cardmember. (vii) The monthly UNIRM payout is capped at the amount set out in Table F below throughout the 5X UNIRM Rewards Programme Period which will be awarded on a first-come, first- serve basis. UOBM does not have any obligation to inform any Cardmember should the monthly UNIRM payout reach the maximum payout limit Eligible Spend Category Table F: Maximum monthly UNIRM payout Airlines, Hotels and/or Travel Agencies 20,000,000 UNIRM for any or combined Eligible Spend Category

7 (viii) The UNIRM will be credited into the Cardmember s card account within two (2) months from the month the Eligible Spend was made as shown in Table G below. The UNIRM will be reflected in the monthly Statement of Account that follows after the date of the crediting of UNIRM. Table G: Eligible Spend Date Month of crediting UNIRM 1 January January 2018 February 2018/March February February 2018 March 2018/April March March 2018 April 2018/May April April 2018 May 2018/June May May 2018 June 2018/July June June 2018 July 2018/August July July 2018 August 2018/September August August 2018 September 2018/October September September 2018 October 2018/November October October 2018 November 2018/December November November 2018 December 2018/January December December 2018 January 2019/February 2019 (ix) At the time of awarding the UNIRM, the Cardmember s card account must be valid, current, subsisting and in good credit standing as may be determined by UOBM at its sole and absolute discretion and not in breach of any of these Terms and Conditions and the terms and conditions of the UOBM Visa/MasterCard Cardmember Agreement. (x) UOBM reserves the right: (a) to forfeit the UNIRM in the event there is a reversal of Eligible Spend entry or the termination of the Cardmembers UOBM PRVI Miles Card prior to the UNIRM being credited into the Cardmembers card account, or non-compliance or breach of these Terms and Conditions or UOB Visa/MasterCard Cardmember Agreement or UNIRinggit Rewards Programme 2018 Terms and Conditions with prior notice without assigning any reason; (b) to substitute the UNIRinggit with any other product of similar value with prior notice; or 7

8 (c) to withdraw, suspend, extend or terminate earlier the 5X UNIRM Rewards Programme prior to the expiry of the 5X UNIRM Programme Period in whole or in part, at any time with prior notice at its absolute discretion. (d) 50% Discount on Your GRAB Rides ( Discount ) (i) The 50% Discount on Your GRAB Rides ( Discount ) is valid from 1 January 2018 to 31 December 2018 (both dates inclusive) or such other dates as may be determined by UOBM from time to time ( Discount Period ). (ii) Subject to these Terms and Conditions, Cardmembers who uses their UOBM PRVI Miles Card as the default GrabPay credit card will be eligible to receive the 50% discount on their Grab rides to and from airport ( Rides ) as follows: Eligibility Criteria 1. Sign up your UOBM PRVI Miles Card as the default GrabPay option. Customer will receive a promo code to enjoy 50% discount on their Grab ride to and from KLIA I/KLIA II via SMS in 4 to 8 weeks from the sign up date. 2, The promo code is valid for 50 capping per day, on a first-come, first-serve basis. 3. Each promo code is valid up to 4 usage per customer for year 2018 to/from KLIA I/KLIA II trips. (xv) Each principal Cardmember is entitled to one promo code throughout the Discount period (e ) UOBM 0% 3 Months Overseas Easi-Payment Plan ( Overseas EPP ) (i) (ii) (iii) (iv) Overseas EPP from 1 January 2018 to 31 December 2018 (both dates inclusive) or such other dates as may be determined by UOBM from time to time ( Overseas EPP Period ). Any spend of at least Ringgit Malaysia Three Thousand (RM3,000.00) per single and/or accumulated receipt(s) made during the Overseas EPP Period using UOBM Credit Card in any foreign currency ( Eligible Spend ) will be eligible to participate in the Overseas EPP. The Eligible Spend made during the Overseas EPP Period must be captured by the credit card system maintained by UOBM in order to be eligible for participation in the Overseas EPP. Cardmembers who satisfy the Eligible Spend criteria and exclude transactions as set out in Clause 2 below is eligible to convert the Eligible Spend to 3 months Easi Payment Plan with 0% upfront interest ( Overseas EPP ). 8

9 (v) (vi) (vii) (viii) (ix) (x) (xi) (xii) Cardmembers can apply for the Overseas EPP within sixty (60) days from the date of the Eligible Spend or by 31 December 2018, whichever is earlier, by calling UOBM Call Centre at ( UOBM Call Centre ). An Eligible Spend is qualified for Overseas EPP if such transaction: a. has been debited to the UOBM Credit Card account; and b. has been recorded in the current Statement of Account forming part of the current outstanding balance due; and c. has not passed its payment due date at the time of the application. UOBM can, at its absolute discretion, approve or reject any application for Overseas EPP by the Cardmembers without giving any reason for the decision, and/or determine the amount allowed under the Overseas EPP, which will subject, amongst others, to: a. the status of the Cardmember s UOBM Credit Card account; and b. the available credit limit of such UOBM Credit Card ( Credit Limit ). Upon approval of the application for the Overseas EPP, the corresponding amount of the Cardmember s Credit Limit will be reserved for this purpose, and the available Credit Limit balance will be reduced accordingly. UOBM will not be liable to the Cardmembers for any transactions rejected by any merchants resulting from the insufficiency of the Cardmember s Credit Limit. In relation to the Overseas EPP that has been approved, no further interest amount will be charged if the monthly instalment amount is paid in full before the payment due date as stated in the Statement of Account. If not, the applicable fees and charges based on Clause 11 of the Cardmember Agreement will be charged on the outstanding amount accordingly. During the repayment period, the amount will be repaid by way of equal instalments ( the Payment Instalment ). The Payment Instalment will be debited immediately to the UOBM Credit Card account following the approval of the Overseas EPP application, and will be reflected in the following month s Statement of Account subsequent to the approval from UOBM, and payable in accordance with the Cardmember Agreement. As each Payment Instalment is repaid, the amount equivalent to the payment made will be restored to the Cardmember s credit limit. The Payment Instalment is calculated based on the sum of the amount converted to be divided by the number of months of the Overseas EPP tenure, which is three (3) months. In the event of a default, the entire amount will be payable immediately in accordance with the Cardmember Agreement. The Payment Instalment is included in the computation of the Cardmember s minimum payment due. If the Payment Instalment is not paid in full when due, the unpaid balance of the Payment Instalment will attract interest in accordance with the Cardmember Agreement. 9

10 (xiii) (xiv) (xv) The Cardmember can cancel its participation in the Overseas EPP subject to UOBM s receipt of a written notice or verbally communicated to UOBM s Call Centre and a cancellation fee of RM50 (or such other rate as determined by UOBM at its absolute discretion). Such amount shall be debited to the Cardmember s UOBM Credit Card account. The Cardmember can apply for the Overseas EPP more than once, subject to the Cardmember s eligibility under the terms and conditions in this document and at UOBM s absolute discretion to approve. If any or a combination of the following occurs, the total outstanding under the Overseas EPP will immediately be due and payable, will bear the applicable finance and/or late payment charges (whichever applicable) as per Clause 11 of the Cardmember Agreement, and will be payable in accordance with the Cardmember Agreement: a. there is a breach of these terms and conditions; b. an event of default occurs pursuant to the Cardmember Agreement; c. there is a delay or failure to pay the Payment Instalment or any sum due under the Overseas EPP; d. there is a failure to pay any money due and payable to UOBM under any banking/credit facilities; e. there is failure to discharge any obligation or liability owing to UOBM from time to time for any banking/credit facilities; f. the Overseas EPP is terminated for any reasons whatsoever; g. the UOBM Credit Card is terminated or the UOBM Credit Card account is closed for any reason whatsoever prior to full settlement of all amount owing to UOBM under the UOBM Credit Card or h. it becomes impossible or unlawful for UOBM to make available or continue to make available the Overseas EPP. 2) The following transactions shall be excluded from 5X UNIRM Reward Points Programme, UNIRM Points Programme, Cash Back Rewards and Overseas EPP: (a) Purchases of goods or services at UOB SMART$ Merchants; (b) Balance Transfers; (c) Easi Payment Plans; (d) 0% Interest-Free Instalment Payment Plans; (e) Flexi-Credit Plans; (f) Refunded, disputed, unauthorized or fraudulent retail transactions; (g) Cash withdrawals; (h) Payments to government: (i) Alimony and child support; (ii) Fines by Court, government, State authorities or local authorities; (iii) Bail or bond payments; (iv) Payment of taxes to the government; or 10

11 (v) (i) (ii) (iii) (iv) (v) (vi) Payment to any government department; Petrol transactions; Transportation transactions; Top-up transactions; Utility bills; Charity bodies; and Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals, goods and services tax and any other form of service or miscellaneous fees using UOBM PRVI Miles Card. 3) UOBM reserves the right at its absolute discretion to cancel, terminate or suspend the Rewards Programme in whole or in part, at any time with prior notice. For the avoidance of doubt, cancellation, termination or suspension by UOBM of the Rewards Programme shall not entitle the Cardmember to any claim or compensation against UOBM for any and all losses or damages suffered or incurred by the Cardmembers whether as a direct or indirect result of such cancellation, termination or suspension. 4) The Cardmembers are eligible to participate in the Rewards Programme provided that the Cardmembers have not defaulted on any terms and conditions of the Cardmember Agreement. 5) Without prejudice to the generality of the foregoing, in the event that the rewards are awarded to and received by persons who have committed or are suspected of committing any fraudulent or wrongful act in relation to the use of their UOBM PRVI Miles Card and/or any transaction made using their UOBM PRVI Miles Card, UOBM reserves the right to disqualify such persons from earning or utilizing the UNIRM Points, Discount, Overseas EPP or Cash Back of such persons. 6) The Rides are provided solely by the Service Providers. UOBM assumes no liability or responsibility for any act, omission, default or defects of the Service Providers in the services offered. UOBM is not an agent of the Service Providers. Any dispute about the quality or the service standard must be resolved directly with the Service Providers. UOBM will not be responsible for any injury, loss or damage suffered as a result of the redemption or usage of the services provided by the Service Providers. UOBM shall not be liable for any unexpected incident such as delay, unexpected traffic congestion, natural disaster or any event that would affect the normal business operations of the Service Providers. 7) The events above will also entitle UOBM to cancel, revoke, suspend or restrict the use of the UOBM Credit Card and to consolidate all outstanding amounts into the principal UOBM Credit Card account (if applicable). UOBM SMART$ Rebate Programme ( Programme ) 8) The Cardmembers are entitled to earn SMART$ on purchases made with UOBM PRVI Miles Card at any SMART$ merchant outlet via UOBM terminals at the rate determined between UOBM and the SMART$ merchant. 9) The Cardmembers eligibility to participate in this Programme is subject to and shall be in accordance with the SMART$ Rebate Programme Terms and Conditions. 11

12 10) For the avoidance of doubt, all references to the value of any given transaction with UOBM PRVI Miles Card shall be deemed to be a reference to the final amount charged to the UOBM PRVI Miles Card. General Terms and Conditions 11) By participating in the Rewards Programme, the Cardmembers agree to be bound by these Terms and Conditions including any amendment and/or variation to it and the terms and conditions in the Cardmember Agreement. 12) The record of transactions maintained by UOBM and UOBM s decision on all matters relating to the Rewards Programme shall be final, conclusive and binding on the Cardmembers. UOBM shall not be obliged to give any reason or entertain any correspondence with any person on any matter concerning the Rewards Programme. No appeal and/or correspondence from any Cardmember or any third party will be entertained. 13) UOBM shall not be responsible for any failure or delay in the transmission of evidence of sales transactions by Visa International Incorporated, MasterCard Worldwide, merchant establishments, postal or telecommunication authorities or any other party which may result in the Cardmembers failing to be entitled to the rewards under the Rewards Programme. 14) To the fullest extent permitted by law, UOBM expressly excludes and disclaims any representation, warranty or endorsement, express or implied, written or oral, without limitation to those published in any mass media, marketing or advertising materials, including but not limited to, any warranty of quality, merchantability or fitness for a particular purpose in respect of the Rewards Programme. 15) UOBM shall not be liable for any misinterpretation or misrepresentation of facts by any unauthorized third party in respect of the Rewards Programme offered and published in any media, marketing or advertising materials. 16) UOBM shall not be responsible nor shall accept any liability of any nature and however arising or suffered by the Cardmembers and/or third party resulting directly or indirectly from the Rewards Programme. 17) In the event of any inconsistency between these Terms and Conditions and any advertising, promotional, publicity and other materials relating to or in connection with the Rewards Programme, these Terms and Conditions shall prevail. 18) UOBM reserves the right to add, delete and/or vary the Rewards Programme s Terms and Conditions, from time to time, wholly or in part, at its absolute discretion, by providing twenty-one (21) days prior notice to the Cardmembers via posting on UOBM s website, displaying a notice at any of UOBM s branches, a statement insert in the Statement of Account or any other manner as may be determined by UOBM from time to time. 19) UOBM reserves the right at its absolute discretion to cancel, withdraw, suspend, extend or terminate the Rewards Programme, wholly or in part, at any time with prior notice. For the avoidance of doubt, cancellation, withdrawal, suspension, extension or termination by UOBM of 12

13 the Rewards Programme shall not entitle the Cardmembers to any claim or compensation against UOBM for any and all losses or damages suffered or incurred by the Cardmembers whether as a direct or indirect result of such cancellation, withdrawal, suspension, extension or termination. 20) These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and the Cardmembers agree to submit to the non-exclusive jurisdiction of the courts of Malaysia. -END- 13