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Terms and Conditions for BOC F1RST Card Cash Rebate Programme

Effective 1 January 2017


1. The BOC F1RST Credit Card Cash Rebate Programme (this “Programme”) is valid for BOC F1RST Credit Card Cardmembers (“Cardmembers”) for transactions made with BOC F1RST Credit Card (“Card”).

2. Cardmembers will be awarded a 0.5% cash rebate on the total spending made on the Card within the billing cycle of the Card.

3. The amount of cash rebate shall be calculated based on the Cardmember’s total spending within the billing cycle, rounded down to the nearest dollar and to 2 decimal places.

4. The amount of total spending will take into account (a) local and overseas retail sales and (b) bill payment, posted to the Cardmember’s Card.

5. The total spend by a Cardmember and cash rebate awarded per Card account (“Account”) in one billing cycle are based on posted local and foreign retail transactions in that billing cycle, and excludes interest, annual fees, finance charges, cash advances, balance transfer, purchases made through Instalment Payment Plans, Purchase Instalment Plan, Tax Payment Facility, IRAS processing fee, goods and services taxes, loading of prepaid accounts, cards and merchants, all fees charged by BOC or any other third parties (if any) and such other transactions as determined by BOC from time to time at its sole discretion.

6. Transactions must be posted prior to the end of each billing cycle. BOC shall not accept any responsibility for any late submission of purchases by merchants.

7. The cash rebate shall be credited into the Account upon the next billing cycle. The amount of total spending on the Card will be reflected on the Cardmember’s monthly statement.

8. The total amount of cash rebate awarded shall be capped at S$2.50 per Account for each billing cycle.

9. Cash rebate may only be used to pay transactions which have been posted on the Card. The cash rebate may not be (a) converted to, or exchanged for cash, (b) transferred or paid to any person in any manner whatsoever, (c) used to pay any liability of any other person, or (d) applied towards the settlement of any other liabilities of the Cardmember.

10. In the event of a reversal, refund or cancellation of any posted transactions, the amount of such reversed, refunded or cancelled posted transactions shall be deducted from the relevant monthly billed amount for computation and award of cash rebate. BOC reserves the right to debit the Account for cash rebate credited and/or to charge the Cardmember in relation to such reversal, refund or cancellation of posted transactions.

11. All unutilised cash rebate will be forfeited on the earlier of: (a) BOC’s receipt of the Cardmember’s request to terminate the Card; or (b) the termination of the Card by BOC for any reason pursuant to the BOC Cardmember Agreement.

12. The Account must be in good standing order at the time of crediting of the cash rebate. In the event the Account is delinquent, terminated or suspended for any reason whatsoever before the cash rebate is credited into the Account, BOC reserves the right to forfeit the cash rebate at its sole discretion.

13. BOC may at its absolute discretion and without prior notice (a) vary the terms and conditions of, or (b) terminate, the Programme.

14. The terms and conditions set out above are supplemental to the BOC Cardmember Agreement (as may be amended, supplemented and replaced from time to time by BOC at its absolute discretion). Unless the context otherwise requires or the terms and conditions herein expressly provide otherwise, all words and expressions defined in the BOC Cardmember Agreement shall have the same meanings when used or referred to herein. BOC’s decision on all matters pertaining to the award or use of any or all of the benefits and privileges stated herein shall be final and binding on the Cardmember.

15. Any abuse or fraud in respect of the issuance of cash rebate may result in the cancellation of cash rebate already credited into the Card Account. Without prejudice to any of BOC's rights and remedies under the BOC Cardmember Agreement, BOC is entitled at any time in its absolute discretion and without notice to cancel or invalidate any cash rebate already credited into the Account.

16. BOC shall not be liable for any claims, expenses, loss or damages incurred by a Cardmember arising from or in connection with this Programme due to any reason whatsoever.

17. Save for gross negligence or wilful misconduct, BOC shall not be liable for any errors, delays, and omissions in the performance of its obligations under these terms and conditions.

18. BOC's records of all matters relating to the Programme are conclusive evidence and binding against the Cardmember. BOC shall be entitled at any time without liability to suspend the calculation or awarding of cash rebate, to rectify any errors in the calculation or otherwise to adjust such calculation.

19. BOC's decision on all matters relating to the Programme is final and binding on the Cardmember. No correspondence shall be entertained.

20. All information is correct at the time of publishing or posting online.

21. Should there be any inconsistency between the English and the Chinese version of these terms & conditions, the English version shall prevail.

22. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to the Programme, these terms and conditions shall prevail.

23. These terms and conditions shall be governed by the laws of Singapore and by participating in the Programme, each Cardmember irrevocably submits to the nonexclusive jurisdiction of the courts of Singapore.

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