Advance Rewards Programme
erms and Conditions
Definitions 5. The following items shall not be considered
as Eligible Spending:
Unless the context otherwise requires, the
following terms shall have the meanings - Interest or any other charges added to
assigned to them in this definition section: your statement.
Account - HSBC Advance Credit Card Account - Cash advances including foreign money
and travellers cheques purchases
Account holder/s/you/your - The
customer(s) in whose name(s) the Account
- ATM transactions
is held. The customer(s) can be an individual
person or a corporate entity.
6. The following information in relation to the
We/us/our - HSBC Bank Malta p.l.c. Programme will appear on each monthly
Eligible Spending - As the term is defined in statement issued:
clause 4 and 5 of the Programme
- The total number of Points brought
Points - Points earned in terms of the
forward from the previous statement.
Programme - HSBC Advance Rewards - The total number of Points earned
Programme during the statement month.
The HSBC Advance Rewards Programme - The total number of Points redeemed
during the statement month.
1. Membership of the Programme is
automatic for all Account holders. - The total number of Points expired.
2. Account holders earn Points on the amount - The total number of Points closing
debited to their Account in euro for all balance.
Eligible Spending. Monthly account
statements will show one Point for every Life of Points
§2.00 (including VAT) of Eligible Spending
which appears on it. 1. You will be eligible to receive Points from
the date on which the Programme is
3. Eligible Spending consists of goods or launched (27 September 2010) or when
services purchased in Malta or abroad by Account holder opens his/her Account,
Account holders and which are not whichever is later.
returned or refunded.
2. Points are valid for up to two years from
4. Spending by additional cardholder/s on the date on which they are first shown
items covered in clause 4 above also on your statement. After that, expired
counts as Eligible Spending. points will be deducted monthly on a first
in, first out basis.
Redemption of Points Gift Voucher/s we will post the voucher to
your mailing address as held on our
1. When redeeming your Points, we will records or as advised by you when you
deduct the Points earned in chronological contact us to redeem the Points.
order, in a way that the earliest
accumulated Points will be redeemed first. 7. If your Account is closed, no further
Points will be earned and subject to
2. Points can be redeemed after they are Termination clause no 3 and Queries
shown on your statement. You may clause no 2 below all remaining Points
redeem Points by calling our 24/7 HSBC must be redeemed within 30 days
Advance Call Centre on 2148 9101. We of closure. We reserve the right to cancel
will deduct the Points you have redeemed any Points left at the end of this period.
from your total Points and the resulting
total, including any further Points you Miscellaneous
have earned, will be shown on your next
statement. Each redemption must be of a 1. We may at our discretion change the
minimum of 5,000 Points. number of Points you earn for your eligible
spending or the period during which you
3. Points earned cannot be transferred to must use your points by giving you at
another individual. least 30 days notice in writing. The
change will take effect from the date
4. Points cannot be redeemed for cash. stated by us in the notice.
5. Points may be redeemed either in 2. Any income or other taxes and duties
exchange of Air Malta KMiles at the rate which may become payable are your
of 1 Bonus point = 1 Kmile (See Air Malta responsibility and we make no
FlyPass terms and conditions) or for representations regarding the current or
Marks & Spencer (M&S) Gift Vouchers at future tax implications of earning or using
the rate of 1 voucher with a face value of the Points under the Programme.
§25 for every 5,000 points.
3. We may, at any time develop special
6. When you redeem your HSBC Advance promotions where Account holders may
Points to acquire Air Malta KMiles, we will earn Points under different conditions.
purchase these on your behalf against Points given under these promotions will
deduction of your Points and credit your be referred to as Bonus Points and will
FlyPass account with Air Malta. In this have their conditions disclosed to the
respect you must ensure that you already Account holders.
hold an existing FlyPass account with Air
Malta or else make arrangements to open Termination
one directly with the airline. Air Malta will
credit KMiles to your Fly Pass account 1. We may terminate the Programme at any
within 10 days after you notify us of the time by giving you at least 30 days notice
redemption. When you redeem your in writing. Termination will take effect
HSBC Advance Points to acquire M&S from the date stated by us in the notice.
You must use any outstanding Points within Variation of these terms and conditions
30 days of the termination date or we will
be entitled to deduct them all leaving you We may vary these terms and conditions at
with a nil Points total. our discretion by giving you at least 30 days
notice in writing. The change will be effected
2. We reserve the right to deduct all Points on the date stated by us in our notice.
earned by you whilst your Account
exceeds the agreed limit or payment is Jurisdiction
overdue. Once the position is regularised
you will be able to earn Points as usual These terms and conditions are governed
subject to Termination clause 3 below. by Maltese Law and, for our benefit you are
Any pointsdeducted during the period hereby submitting to the non-exclusive
when the Account was not in order will jurisdiction of the Maltese Courts.
not be refunded. Any Points earned, even
if not deducted by us, are not redeemable
before the Account is regularised.
3. We reserve the right to terminate or
suspend your participation in the
Programme and to deduct any Points you
or any additional cardholder have earned if
you have not observed these terms
and conditions or are in breach of your
HSBC Advance Card Conditions of Use or
any other agreement with us.
1. Any queries regarding these terms and
conditions, the Points you have been
allocated or redemption should be
referred to our Call Centre on 2148 9101.
2. We will only investigate queries
concerning Points earned, Points
redeemed or any other matter effecting
your total points in the last 6 months prior
to the date of enquiry.
3. Any queries regarding Air Malta KMiles
and usage thereof are to be directed to
Air Malta’s FlyPass unit on 2299 9425/6/7.
Any queries regarding M&S Gift vouchers
and usage thereof are to be directed to
Marks & Spencer on 2123 4017.
hsbc.com.mt/advance Customer Service 2148 9101
HSBC Bank Malta p.l.c. is a member of the HSBC Group, one of the
world’s largest banking and financial services organisations with more
than 8,000 offices in 87 countries and territories in Europe, the Asia
Pacific region, the Americas, the Middle East and Africa.
Approved and issued by HSBC Bank Malta p.l.c.,
116, Archbishop Street, Valletta VLT1444
69202 – 03/2011