FREQUENT FLYER PROGRAM 500 ENRICH AWARD POINTS (For all Credit Cards except for Travel Money Credit Card) Product Code : 6001 3,000 pts (For Travel Money Credit Card) Product Code : 6010 1,750 pts 500 KRISFLYER MILES Product Code : 6020 3,000 pts FIREFLY HOLIDAYS RM50 Voucher Product Code : 3032 12,200 pts AIRASIA RM50 E-GIFT Voucher Product Code : 3030 10.400 pts f V y. V y. f f. f f fo.
Reward Programme Gift Redemption Form. Borang Penebusan Hadiah Program Ganjaran. Fax this form to: Fakskan borang ke: 03-9206 8088 082-276 088 (Sabah & Sarawak) Product Description Deskripsi Produk Item 1 Item 2 Item 3 Item 4 Item 5 Call RHB PhoneBanking at: Hubungi TelePerbankan RHB di: 03-9206 8118 082-276 118 (Sabah & Sarawak) Product Code Kod Produk Type of Redemption, tick Jenis Penebusan, tandakan Visit your nearest RHB Card Centre / Bank branch. Kunjungi Pusat Kad RHB / cawangan Bank terdekat anda. Quantity Jumlah Card annual fee waiver and Annual service tax waiver / Pengecualian yuran kad tahunan & Pengecualian cukai servis tahunan Card Type e.g. Classic, Gold, Platinum Jenis kad cth. Klasik, Emas, Platinum Card Number Nombor Kad Product Code Kod Produk Card Category, tick Kategori Kad, tandakan Principal Supplementary Principal Supplementary If you wish to waive your Card Annual Fee or the Annual Service Tax Fee, it is important to notify RHB Bank once the annual fee is charged. The waiver will appear in your next billing statement. Please ensure you have sufficient Reward Points to waive your fee. Jika anda ingin mengecualikan Yuran Kad Tahunan atau Cukai Servis Tahunan anda, adalah mustahak untuk memberitahu RHB Bank selepas yuran pembaharuan tahunan atau cukai servis tahunan dicaj. Pengecualian Yuran tahunan atau cukai servis tahunan akan dipaparkan di dalam penyata bil anda yang berikutnya. Sila pastikan bahawa anda mempunyai mata ganjaran yang mencukupi untuk pengecualian yuran. Frequent Flyer programme redemption / Penebusan program Frequent Flyer Airline Frequent Flyer Programme Program penebusan Syarikat Penerbangan Frequent Flyer Frequent Flyer Membership Number Nombor Keahlian Frequent Flyer Registered Name (underline surname) Nama Berdaftar (gariskan nama keluarga) Reward Points Required Mata Ganjaran Yang Diperlukan Frequent Flyer Miles Markah Frequent Flyer Kindly be reminded of the minimum Reward Points required for each Frequent Flyer Programme Sila ambil perhatian jumlah minimum Mata Ganjaran untuk setiap Program Frequent Flyer Delivery Details. Butiran Hantaran. Courier to (address) / Hantaran ke (alamat): Tel. No/ No. Tel. (House / Rumah): (Handphone/ Telefon Bimbit): (E-mail / E-mel): Postcode / Poskod: (Office / Pejabat): For AirAsia e-voucher redemption, email address is compulsory. Redemption will not be process is this is left blank. RHB reserves the right to charge RM5 per redemption for change of email or invalid email. For more info, please refer terms and conditions. Please allow 21 working days for delivery. Redemption orders, once accepted by RHB Bank, cannot be revoked, cancelled or exchanged. Sila berikan tempoh 21 hari kerja untuk serahan. Sebaik sahaja permohonan untuk penebusan diterima oleh RHB Bank, ia tidak boleh ditarikbalik, dibatalkan atau ditukarkan. Delivery will not be made to a P.O.Box address and address outside Malaysia. Serahan tidak akan dihantarkan ke alamat Peti Surat dan alamat di luar Malaysia. Billing Details. Butiran Bil. Please debit the Reward Points and/or amount for my total redemption to the following account: Sila debit Mata Ganjaran dan/atau jumlah penebusan saya ke akaun berikut: VISA or MasterCard A/C No. No. Akaun Kad Visa atau Master Expiry Date / Tarikh Tamat: / Cardmember s Name (as in statement) / Nama Ahli Kad (seperti di dalam penyata): Cardmember s Signature (as in original card application) / Tandatangan Ahli Kad (seperti di dalam permohonan kad asal): To avoid duplication, please do not mail your form if you have faxed it to us. All the above are subject to Terms & Conditions as stipulated in the RHB Rewards Catalogue and Terms & Conditions stipulated in the featured vouchers. RHB reserves the right to cancel, change, or substitute any reward items at any time without giving notice. Extra redemption forms can be downloaded at www.rhbbank.com.my Products shown are for illustration purposes only. In the event of any language, the English version of these terms and conditions shall prevail. Untuk mengelakkan sebarang salinan, jangan melkan borang anda setelah fakskannya kepada kami. Semua di atas adalah tertakluk kepada Terma-terma & Syarat-syarat sepertimana yang dinyatakan di dalam Katalog Ganjaran RHB dan Terma-terma & Syarat-syarat sepertimana yang dinyatakan di dalam baucer. RHB berhak membatalkan, mengubah atau menggantikan sebarang produk ganjaran pada bila-bila masa dengan atau tanpa memberitahu terlebih dahulu. Borang penebusan tambahan boleh didapati di www.rhbbank.com.my. Produk-produk yang terpapar adalah untuk tujuan ilustrasi sahaja. Jika timbul sebarang perbezaan kerana bahasa, terma & syarat dalam versi Inggeris akan dirujuk.
RHB Rewards Redemption Program 2010 Frequently Asked Questions (FAQs) 1. What is the RHB Rewards Redemption 2010? It is a loyalty programme provided to RHB cardmembers to redeem products using their RHB Reward Points. 2. What is the validity of this RHB Rewards Redemption Catalogue 2010? It is valid until 31 May 2011. 3. How does the RHB Rewards Redemption Catalogue 2010 programme work? For every RM1 spent on retail purchases with an RHB Credit Card (except TESCO-RHB credit card, Senheng Plus1 credit card, Plus1 ecash prepaid card, Platinum MasterCard Business card, Debit card or any cards determined by RHB Bank), one(1) Reward Point will be awarded to the cardmember s account. Cardmembers then accumulate their reward points to redeem their desired gifts from the RHB Rewards Redemption Catalogue. 4. What is the accumulation period and validity for the RHB Reward Points? The RHB Reward Points accumulation period is valid for three(3) years for RHB Platinum Cardmembers and two(2) years for RHB Classic, Gold, EVO, MBSB and Travel Money Cardmembers. 5. Can both Principal and Supplementary cardmembers Reward Points be accumulated for gift redemptions? Yes, both principal and supplementary cardmembers Reward Points can be accumulated for gift redemptions. 6. Can both Principal and Supplementary cardmembers redeem gifts? No, only Principal cardmembers are eligible for gift redemption. 7. How can cardmembers redeem gifts from the rewards catalogue? Cardmembers can redeem gifts via: a. Phone banking at 03 9206 8118 (082 276 118 for Sabah & Sarawak), or b. Fax the Redemption Form to 03 9206 8088 (082 276 088 for Sabah & Sarawak), or c. Visit the nearest RHB Credit Card Service Centre / Bank Branches. 8. When can cardmembers start redeeming their gifts? Cardmembers can start redeeming anytime provided they have the minimum Reward Points, within the 2-year or 3-year validity period. 9. Does the cardmember bear the courier charges on the delivery of the gifts? No courier charges will be applied for delivery within Malaysia. However, there will be courier charges for delivery outside Malaysia. 10. Can cardmembers request for their gifts to be sent to their friends? No, all gifts redeemed are not allowed to be sent to a third party. It must be delivered to the Principal cardmember s address. 11. Can cardmembers exchange the gifts after the redemption has been made? All gifts redeemed are not exchangeable unless gifts received are damaged or faulty and are reported within 14 days from the date of receipt. Requests otherwise will not be entertained. 12. What if a cardmember claims that he/she did not receive a gift that was redeemed 2 months ago? This must be reported to RHB within 14 days from the date the redemption form was sent by the cardmember (Note: This is only applicable to redemptions that have been received and officially processed by RHB). Requests otherwise will not be entertained. 13. Can the cardmember exchange the gifts redeemed for cash vouchers or cash? No. 14. Can cardmembers choose to waive their annual fee with the accumulated Reward Points? Yes. 15. What happens to cardmembers Reward Points if they wish to terminate their credit card? Cardmembers are advised to redeem their Reward Points before they terminate their cards, otherwise all Reward Points will be forfeited once the card is terminated. 16. How long does it take for delivery of gifts? A maximum of 21 working days. 17. What happens to cardmembers Reward Points if their card falls into default status? All Reward Points will be forfeited once their card falls into default status. 18. Can cardmembers transfer their points from one card to another, i.e. Gold to Platinum and vice versa? Yes. Fast Track & Redemption 1. What is Fast Track? Fast Track is an alternative for cardmembers to redeem/purchase Rewards Redemption 2010 products partially with Reward Points and cash. 2. How can cardmembers purchase products from the Reward 2010 catalogue via Fast Track? a. Phone banking at 03 9206 8118 (082 276 118 for Sabah & Sarawak), or b. Fax the Redemption Form to 03 9206 8088 (082 276 088 for Sabah & Sarawak), or c. Visit the nearest RHB Credit Card Service Centre / Bank Branches. 3. Is Fast Track applicable to all products? No. It is only applicable to selected products as featured; please refer to the Rewards Redemption Catalogue 2010. 4. How long does it take to process and deliver the Fast Track order? Upon receiving the orders from cardmembers, the delivery process will start once the amount is successfully debited from the cardmember s credit card account. The delivery turnaround time is 21 working days. 5. Can cardmembers redeem the Fast Track product if they have insufficient available credit? No.
Terms & Conditions 1. DEFINITIONS The RHB Rewards Programme (Programme) is composed of: i. Flight Rewards, which means the transfer of Reward Points to the participating airline(s) available for, frequent flyers on such airline(s). ii. Non-Flight Rewards meaning all rewards, other than Flight Rewards, provided by the Programme, which includes dining, shopping, travel, annual fee waiver and On-The-Spot Redemption. iii. Catalogue, which means the RHB Rewards for reward point redemption offerings catalogue. 2. VALIDITY OF REWARD POINTS Points Expiry / Credit Cards Platinum Credit Cards Visa Infinite Credit Cards Travel Money, Gold, Classic, Evo, MBSB Credit Cards Evergreen Points. No Expiry YES (Effective from 15/11/2010) 3 Years Points Expiry YES 2 Years Points Expiry YES i. The annual expiry date for points earned on a credit card shall be the last day of the month shown as the expiry month (regardless of the year) on such card. ii. All Reward Points should be redeemed prior to expiry. The applicable expiry date will be shown in the cardmembers monthly credit card statement and any unused Reward Points earned and accumulated will NOT be carried forward or will be brought to the number zero upon expiry. iii. There will be NO EXTENSION PERIOD OR TIME FRAME given to any unused and expired reward points. 3. ELIGIBILITY All Personal, Corporate Staff and Company cardmembers with accounts in good standing are (currently not overdue in payment or exceeded limit) and eligible for the Programme. Corporate cardmembers standalone private label cardmembers so determined by RHB are excluded from the Programme. 4. REWARD POINTS EARNED IN THE PROGRAMME i. All RHB Visa and MasterCard cardmembers (except Plus1 Credit Card, Plus1 ecash Prepaid Card, RHB Debit Card and Platinum Business MasterCard Card) and cardmembers of other cards as determined by RHB Bank at its absolute discretion will earn one RHB Reward Point in the Programme for every RM1.00 billed to the cardmembersí PRINCIPAL and supplementary card accounts subject to the exclusions listed below. All retail transactions will be qualified for the RHB Reward Points. The cardmember will NOT earn Reward Points for the following: Late Payment Charges, Excess Limit Fee, Finance Charges, Cash Advance Transactions, Balance Transfers, Annual Fee, Early Exit Fees, Service Taxes (as determined by the Malaysian Government), Transactions performed at the petrol stations and others determined by RHB. ii. The accumulation rate of one(1) RHB Reward Point for every RM1.00 may be subjected to change from time to time as determined by RHB. iii. Adjustments will be made to the RHB Reward Points accrued in the cardmember s Visa or MasterCard account if they are any credit(s) or debit(s) posted to a cardmember s account, including those arising from returned goods or service, of from billing disputes. Any disputed transactions/ billing will not be accredited with Reward Points. iv. Whether transactions are made in Malaysia or abroad, Reward Points will be earned on the amount debited to the cardmember s credit card account in Ringgit Malaysia for all eligible spending. v. RHB reserves the right to change, at any time, the number of Reward Points and where applicable, the number of Reward Points plus Ringgit values that are required to redeem any of the items in the Programme. 5. REWARD POINTS REDEMPTION i. All RHBís Visa or MasterCard accounts must be in good standing (not overdue in payment or exceeded limit) and not cancelled or terminated by RHB or the cardmember at the time of a redemption request (including a request to transfer Reward Points to the participating airlines Frequent Flyer Programmes). ii. When redeeming Reward Points, RHB will deduct the point earned by date or order so that the earliest accumulated points will be redeemed first. iii. Reward Points accumulated in the principal and supplementary cardmember s Visa or MasterCard card account can only be redeemed by the PRINCIPAL cardmember for the RHB Rewards Programme. iv. Upon redeeming a reward, the cardmember releases RHB from any and all liability to the cardmember or any guest of the cardmember s in respect of the redemption or use of such reward in the Programme.
v. Any dispute concerning goods or services received as a reward under the Programme shall be settled between the cardmember and the service establishment and/or supplier, which supplied the goods or services (service establishment and supplier which supplied the goods or services shall be collectively referred to herein as service establishment or service establishments.) RHB will bear no responsibility for resolving such disputes, or for the dispute itself. vi. The Reward Points earned in the Programme have no cash or monetary value. vii. Redemption Programme orders, once accepted by RHB, cannot be revoked, cancelled, returned or exchanged. All points / money involved in the redemption programme will not be credited back into cardmember s account. iii. Information supplied on the redemption of certain rewards may be used by RHB or the service establishment that provides the rewards for its/their administrative, public relations and marketing purposes. ix. Only Principal cardmembers can redeem On-The-Spot at participating merchants outlets. x. Should a supplementary cardmember perform On-The-Spot Redemption, it will be treated as a normal retail transaction. The full value of the product would be charged onto the credit card account. 6. REDEEMING NON-FLIGHT REWARDS i. All rewards are subject to availability and any restrictions may apply to as to where and when the rewards can be redeemed. (Please note that RHB or service establishments may impose the restrictions). ii. Any additional meals, transportation or accommodation or other arrangements made in connection with any reward will be the sole responsibility of the cardmember. iii. In the event that the reward takes the form of a cash voucher, the cardmember can use the RHB s Visa or MasterCard to pay the difference to the participating Service establishment(s) should the purchase be in excess of the value noted on the cash voucher. iv. Issuance of dining, travel or hotel/resort reward voucher does not constitute a reservation with the service establishments. The cardmember is responsible for making all reservations and notifying the participating service establishments of the reward(s) they are going to redeem. v. The Reward Vouchers/ Letter of Redemption are valid for use until the date specified on the Rewards Vouchers/ Letter of Redemption. If it remains unused after this date, they will totally lapse and will not be replaced. The use of Reward Vouchers/Letter of Redemption is subject to the terms and conditions contained therein. vi. The Reward Vouchers/Letter of Redemption are valid for use only at participating merchants under the RHB Loyalty & Rewards Programme and only for the specific matter mentioned therein. All rewards are subject to availability and any restrictions may apply as to where and when the reward can be redeemed. vii. Redeemed vouchers are not exchangeable for other rewards, not refundable, not replaceable and not transferable for cash or credit under any circumstances. viii. RHB will NOT (a) replace; (b) assist a cardmember by placing a hold or a freeze status on any misplaced, lost or ix. stolen reward voucher(s) or ticket(s) under any circumstances. Any claims of non-receipt of the reward item(s) redeemed from the RHB Rewards Programme have to be reported officially to RHB within 30 days from the date the redemption is made from RHB, officially processed by RHB and confirmed by RHB. Thereafter RHB will NOT (a) replace; (b) assist a cardmember on redemption item(s) not received, lost, stolen or misplaced under any circumstances whatsoever determined by RHB. x. Any claims, report or complains of damaged rewards items (not inclusive of gift vouchers, cash vouchers, hotel, dining or any other form of paper voucher so determined by RHB) received by cardmember(s) must be reported to RHB within 14 days from the date the item(s) is received by the cardmember(s). Thereafter RHB will NOT (a) replace; or (b) assist a cardmember on redemption item(s) not received, lost, damaged, faulty or misplaced under any circumstance whatsoever so determined by RHB. xi. Full waiver of the annual fee will be carried out upon renewal of the PRINCIPAL card and supplementary card account. xii. All rewards, and fast track offers featured in this catalogue are until 31 May 2011. xiii. RHB reserves the right to cancel or extend the rewards featured in this catalogue at any time. 7. REDEEMING FLIGHT REWARDS i. Only those cardmembers who have successfully registered with the participating airline s/airlines Frequent Flyer Programme(s) will be able to redeem Flight Rewards. ii. iii. iv. iv Cardmembers who wish to register may do so by completing a physical application form, which is available at the respective airline s offices or download through their corporate website. For all credit cards (except Travel Money credit cards) each conversion and transfer request must involve a multiple of 3,000 RHB Reward Points or 500 frequent flyer points. For Travel Money credit cards, cardmembers are entitled to enjoy special conversion points for Enrich Award Points only. Each conversion and transfer request must involve a multiple of 1,750 RHB Reward Points or 500 Enrich Award Points. There shall be no reversion upon the successful conversion and transfer of the RHB Reward Points to frequent flyer points
v. Please allow 60 days for the conversion and transfer of RHB Reward Points to any frequent flyer award points from the date of receipt of the order form. vi. Cardmembers are subject to and must comply with the terms and conditions of the relevant participating airlineís Frequent Flyer Programme that in turn will be governed by the terms and conditions, rules, regulations, policies and procedures (Programme Rules) of the airline. 8. REDEEMING AIRASIA E-GIFT VOUCHER i. Cardmember s email address for AirAsia E-Gift Voucher redemption is mandatory. Cardmembers are responsible to provide valid email address to receive AirAsia E-Gift Voucher. Redemption will not be processed if cardmember does not provide valid email address in the redemption form. ii. RHB reserves the right to charge cardmember RM5 per redemption for the following. Such charge shall nevertheless be subject to the sole discretion of AirAsia. a. Request to change email address after redemption form has been submitted and the vouchers have not been authenticated by cardmembers. b. Invalid email address given or Out Of Office notification which requires AirAsia to resend authentication email. iii. Cardmembers will first receive an email notification from AirAsia to validate their e-voucher before they are iv. allowed to use it. Once e-voucher is validated, cardmember will receive another email confirmation with E-Gift Voucher number and expiry date. There is no extension of expiry date. Once E-Gift Voucher is expired, it is considered void. v. Cardmembers can utilize the voucher at the payment page of AirAsia flight booking system. If cardmember is not an AirAsia member, cardmember is required to sign up as a member. Cardmembers have to select E-Gift Voucher for payment, balance top up with credit card or direct debit. Any unused amount in E-Gift Voucher will be forfeited. vi. AirAsia E-Gift Voucher is valid for a period of 6 months from the issue date. Notwithstanding the foregoing, AirAsia E-Gift Voucher can be used to book for travel up to 12 months from the issue date provided the voucher is purchased within the aforementioned 6 months validity period. vii. The validity of the AirAsia E-Gift Voucher will not be extended under any circumstances. viii. At this moment; only AirAsia flights and others services like pre book meal, hot seat, and baggage can be paid using E-Gift Voucher. ix. Cardmembers are allowed to use up to maximum of 5 AirAsia E-Gift Vouchers per booking. 9. REDEEMING FIREFLY HOLIDAY PACKAGE VOUCHER i. Voucher is valid ONLY for holiday s packages operated by Firefly & MAS Holidays, hotels or ground packages. ii. Voucher is valid for 6 months from the date of issuance; validity will not be extended, no cancellation, changes, refunds or transfers allowed after booking is confirmed and voucher is redeemed under any circumstances. Voucher can only be used once, no refund of unutilized amount. iii. iv. Booking must be made at least 30 days before travelling time. Cardmembers have to make booking by writing officially to hotelinfo@fireflyz.com.my by stating: a. Origin and destination of flight packages b. Preferred hotel and room type c. Data of travel d. Number of travelers; adults and child, if any (state age of child) e. Number of rooms f. Main contact person details: name, mobile number, email address g. Firefly holidays gift voucher (FHGV) reference number and voucher code (password) for verification. h. Booking will only be confirmed upon presentation of the voucher (via fax to +603-7846 6461) and payment of any remaining amount; if any, via credit card. 10. DELIVERY i. The manufacturer or supplier s normal terms and conditions of business will cover all goods and services supplied. Except where the law provides otherwise RHB will not be responsible for the quality or suitability of the goods or services or for any delay in delivery. ii. iii. Delivery of reward vouchers or items shall be deemed to be made if presented at the address furnished by the cardmember in his redemption form, and if sent by post of courier, within twenty one(21) working days (barring any unforeseen circumstances) after posting. Reward voucher(s) or item(s) WILL NOT be delivered to addresses bearing a Post Office Box number and/or overseas address. 11. VARIATION OF RULES i. RHB reserves the right to cancel or amend the Programme terms and conditions at any time without prior notice. ii. RHB s failure to enforce particular terms and conditions does not constitute a waiver of those terms and conditions by RHB.
12. TERMINATION i. RHB can suspend or terminate the Programme at any time if deems necessary. In such case, RHB shall give advance written notice to PRINCIPAL cardmembers in the manner it deems appropriate. ii. Termination of the Programme will take effect on the date stated in the notice. The cardmember must use any outstanding points within 30 days of the termination date or RHB will entitled to deduct them all leaving the cardmember with a zero points total. iii. Upon termination of the credit card(s) all Reward Points will be forfeited. 13. GENERAL i. RHB assumes no responsibility for any claims, loss, cost, expense or damages of whatever nature resulting from the redemption of either Flight or Non-Flight Rewards. ii. RHB Bank Bhd (RHB) reserves the right to cancel, change or substitute any reward items featured in the catalogue/programme at any time. iii. Suspected or actual card fraud and/or suspected or actual abuse relating to the accumulation of Reward Points in the Programme or redemption of rewards including transfer of Reward Points to participating airlines Frequent Flyers Programme, may result in forfeiture of accumulated Reward Points as well as cancellation of a cardmember s participation in the Programme. iv. All questions or disputes reading eligibility for the Programme or the eligibility of points of accrual or redemption of rewards including transfer of points to participating airlines Frequent Flyer Programme, will be determined by RHB at its sole discretion. v. Reward Points accumulated will be reflected in your monthly card statement. Reward Points can only be used after entry to the card statement. vi. Redemption of rewards with insufficient Reward Points will not be processed. vii. RHB will not be responsible for any delay in the posting of the transactions and/or the accrual of Reward Points that are done during the Programme. viii. If any cardmember s Visa or MasterCard account is not in good standing (overdue payment or exceeded limit), the cardmember s participation in the Reward Programme may be cancelled or points accrued in the cardmember s account may be forfeited. A cardmember s participation in the Program may also be cancelled or points accrued may be forfeited due to the cardmember s failure to adhere to these terms and conditions and the terms and conditions governing the card account. ix. If a cardmember cancels all PRINCIPAL cards from RHB or if any reason, RHB cancels any PRINCIPAL card accounts, any points accrued to the cardmember s account will be cancelled and will not be capable of conversion or redemption. x. If an eligible cardmember who has more than one Visa or MasterCard account with RHB, voluntarily cancels any such card account and at least one Visa or MasterCard account with RHB remains, any points accrued in the Programme as a result of charges billed to the cancelled card may at the Bank s sole discretion, be transferred to any remaining Visa or MasterCard account with RHB in his or her name. xi. In the event that the cardmember s choice of colour, model or style of item is unavailable, RHB will replace it with a substitute of equal value. All items are available while stock lasts and the Bank reserves the right to withdraw any item shown in the catalogue at any time. xii. Items accepted in good condition are strictly non-returnable and non-exchangeable. In the event there is a manufacturing defect, cardmembers must return the said item to the vendor at his own cost, undamaged and in its original packaging for a replacement. All defective items must be returned to the vendor within 7 days upon receipt. xiii. There is NO TRIAL PERIOD for all rewards items redeemed under the RHB Rewards Programme. xiv. All redemptions are subject to the accumulation of sufficient Reward Points and the Bank s final acceptance. Orders will be cancelled automatically in the event of insufficient points. Once the Bank has accepted a redemption order, it cannot be cancelled or changed. xv. Reward Points earned on separate RHB Credit Card accounts in the cardmember s name (provided these cards are participating in the programme) may be combined for use under the Programme. xvi. Products shown are for illustration purposes only. xvii. Prices and redemption points printed are correct at the time of print and are subject to change. xviii. In the event of several languages being used, the English version of these terms and conditions shall prevail.