Terms and Conditions of "Win Upto 100% Cash Back and a Kilo of Gold” Offer Definitions:For the purposes of these terms and conditions: "Card" shall mean credit card which has been issued by Emirates Bank and NBD and is valid and subsisting during the Program period. "Card Holder/s" shall mean such customer to whom a Card has been issued and who is authorized to hold the Card. "Cash Back" shall mean the amount credited back to the Card Holder/s account, calculated as a percentage of the transaction amount arrived at on the basis of the approval/authorization code appearing on the charge slip generated. "Void Transaction" shall mean any transaction wherein the transaction has taken place but has been cancelled by the Merchant Establishment prior to settlement with Emirates Bank or NBD. “Program Period” refers to the period October 1, 2008 – December 31, 2008 Programs:GET UP TO 100% CASH BACK OFFER 1. The Cash Back offer is valid for the Card Holder/s only and shall be valid only during the Program Period, unless otherwise notified by Emirates NBD. 2. The Cash Back offer is applicable only on retail transactions in the UAE between October 1, 2008 and December 31, 2008. 3. The offer is applicable only for retail transactions with sales receipts printed with a 6-digit approval code. Transactions excluded are e-commerce, Online payments, Auto-Debits, Standing Instructions, Balance Transfers, Cash Advance, Dial a Cheque, Finance Charges, Late Charges and other fees or charges not related to retail transactions. 4. The Cash Back offer ranging between 5% to 100% is valid when the Card Holder/s make/s a single retail purchase during the Program Period within the UAE. A "retail purchase" shall mean such purchase which has been made by the Card Holder/s by swiping the Card on any point of sale terminal. 5. To qualify for the contest, the last 2 digits of the approval code/authorization code/authentication code on the charge slip MUST match the last 2 digits of the Cardholder’s card number (“the 2 matching Digits”). E.g. Authorization code=123456 Card number: 5184781012347856, the 2 Matching Digits are 56 6. The percentage of Cash Back that the Card Holder/s shall be entitled to shall vary depending upon the number of digits of the authorization code on the charge slip that match the digits of the Cardholder’s card number.
7. The amount of Cash Back shall be reflected in the monthly statement succeeding any transaction. The cash back applicable are as below:
Last Last Last Last 2 3 4 5 digits on digits on digits on digits on Credit Credit Credit Credit Card Card Card Card match the match the match the match the last last last last 2 digits 2 digits 2 digits 2 digits of the authentication code of the authentication code of the authentication code of the authentication code – – – – get get get get 5% cash back 10% cash back 25% cash back 100% cash back
The above will be subject to a maximum amount of AED 25,000 per winning transaction 8. Cardholders may participate any number of times provided the matching approval code is unique for each transaction and meets the terms and conditions of the promotion. 9. The Cash Back will be credited and reflected in the winning Cardholders Emirates Bank or NBD Credit Card statement with the message “Emirates NBD Match & Win Winner”. All winners will be notified by the bank by January 31st 2009.
WIN A KILO OF GOLD OFFER 1. Collective Retail spend of AED 500 and above made by the Cardholder within or outside of the UAE will be eligible for entry into the raffle draw i.e. AED 5,000 spent on your Card will give you 10 entries in to the draw. E.g.: Customer A does transactions of AED 200, AED 100, on the primary card and AED 250 on the supplementary card, the total spend at account level is AED 550, so the customer gets 1 entry to the raffle. Customer B does transactions of AED 300, AED 200 and AED 150 on the primary card and AED 200 and AED 200 on the supplementary card, the total spend at account level is AED 1050, the customer gets 2 entries to the raffle. 2. Purchases made by principal card holders as well as purchases made by supplementary cardholders will be eligible for the raffle. 3. Purchase reversals, refunds and transactions disputed by the customer would be excluded from the raffle. 4. A customer, who is a raffle winner for a particular month, is eligible to participate in the raffle draws of later months in the promotion. 5. The raffle will be one for each of the months of October, November and December 2008 6. The grand prize for each month’s raffle is a kilo of gold. 7. The Raffle Draw winners will be announced in January 2009
GENERAL TERMS & CONDITIONS 1. This offer is valid on all Emirates Bank and National Bank of Dubai (together referred to as Emirates NBD) Cards. This includes all Emirates Bank Silver, Gold, Platinum & Infinite cards as well as National Bank of Dubai Silver, Gold and Platinum primary and supplementary credit cards. 2. Dial a Cheque availed by the Card Holder/s on the Card, cash withdrawals at ATMs and banks, dial a draft service (demand draft facility charged to a Credit Card) and balance transfer (applicable to Card), alphanumeric / manual / offline / non six digit approval / authorization codes, all standing instruction payments, mail order / telephone order transactions and Void Transactions, shall not be eligible for the Program. 3. Bill Payment through Banknet or Cardnet shall not be eligible for this Program. The Cash back Program shall not be eligible for transactions carried out in foreign currency and for any retail purchases done overseas or for international transactions on the internet. 4. Card Holder/s whose account has been classified as Delinquent before or during the currency of the Program, or when the cash back is to be credited, will not be eligible for the benefits of the Program. 5. In case of a cancelled transaction, the applicable Cash Back amount on that transaction would be debited. 6. In case the Card Holder's account becomes delinquent at any point within three months after the end of the Program Period, Emirates NBD reserves the right to reverse the benefits of the Cash Back from the card account of the Card Holder/s. 7. Emirates NBD reserves the right to modify/ change all or any of the terms applicable to the Program without assigning any reasons or without any prior intimation whatsoever. Emirates NBD also reserves the right to discontinue the Program without assigning any reasons or without any prior intimation whatsoever. 8. The standard Credit Card Terms and Conditions apply.