Reward Point Expiry Date

1.

Credit Cardholder will earn 1 Reward Point for every multiplication of IDR 1,000,- from Credit Card transaction.

2.

Reward Point will be credited automatically into main Credit Cardholder Reward Point balance once the Credit Card transaction is posted.

3.

Shall there is redemption request, Reward Point with closest expiry date will be deducted first

4.

Reward Point can only be redeemed within the validity period and no later than 2 weeks before the expiry date.

5.

After Validity period, Reward Point will be forfeited and HSBC will not entertain any redemption request.

6.

HSBC Reward Point validity period is 2 years. Reward Point will be forfeited on the last business day in the Credit Card issuance month.

See illustration below:

Mr. Johan's Credit Card issuance month is January. His Reward Point balance on 15 January 2010 is:

-

Reward Point to be expired in January 2010 : 15,000 point

-

Reward Point to be expired in January 2011 : 20,000 point

Mr. Johan redeemed 1 piece Pizza Hut voucher @ IDR 50,000,- with 11,000 points on 15 January 2010. Therefore, his Reward Point balance after the redemption is:

-

Reward Point to be expired in January 2010 : 4,000 point

-

Reward Point to be expired in January 2011 : 20,000 point

No more redemption Is requested by Mr. Johan until 29 January 2010, but he use his credit card in amount IDR 10,000,000,- on 26 January 2010. Therefore, his Reward Point balance on 29 January 2010 is:

-

Reward Point to be expired in January 2010 : 0 point

-

Reward Point to be expired in January 2011 : 30,000 point

On 3 March 2010, Mr. Johan swipe his credit card in amount IDR. 15,000,000,-. Therefore, his Reward Point balance on 6 March 2010 is:

-

Reward Point to be expired in January 2011 : 30,000 point

-

Reward Point to be expired in January 2012 : 15,000 point

Mr. Johan redeemed his 36,000 reward points with 6 pieces of J.Co voucher on 10 March 2010. Therefore, his Reward Point balance is:

-

Reward Point to be expired in January 2011 : 0 point

-

Reward Point to be expired in January 2012 : 9,000 point