Terms and Conditions - Titanium Bonus Miles Rewards Programme

Terms and Conditions

Titanium Bonus Miles Rewards Programme

 1. DEFINITIONS

1.1 'Bank' or 'OCBC' means Oversea-Chinese Banking Corporation Limited including its successors and assigns.

1.2 'Card' means any Titanium MasterCard or VISA credit card issued by the Bank (whether or not it also bears the name and/or mark of any other person or entities) and any other credit card(s) issued by the Bank which the Bank may notify you from time to time.

1.3 'Card Account' means the account of the Cardmember maintained with the Bank in respect of the Card.

1.4 'Cardmember' means a Principal Cardmember of a Card (whose Card accounts have not been suspended or terminated).

1.5 'Merchant' means an individual, firm or company engaged in the business of selling and/or providing goods and/or services, benefits or other privileges comprising the Titanium Bonus Miles Reward.

1.6 'Titanium Bonus Miles' expiry date' means, in relation to any Titanium Bonus Miles, the last day of the 60th calendar month calculated/commencing from the relevant calendar month in which such Titanium Bonus Miles was earned by a Cardmember from charging a relevant retail purchase transaction to his/her Card.

1.7 'Titanium Bonus Miles' new expiry date' means, in relation to any Titanium Bonus Miles, the last day of the 24th calendar month calculated/commencing from the relevant calendar month in which such Titanium Bonus Miles was earned by a Cardmember from charging a relevant retail purchase transaction to his/her Card.

1.8 'Titanium Bonus Miles' means loyalty points awarded under the Programme.

1.9 'Titanium Bonus Miles Rewards' means any goods and/or services, benefits or other privileges, as may be determined by the Bank in its absolute discretion, which may be redeemed by the use of Titanium Bonus Miles under the Programme.

1.10 'Titanium Bonus Miles Rewards Catalogue' means the catalogue sent to the Cardmember or posted on the Bank's website for the Programme.

1.11 'Programme' means the Titanium Bonus Miles Rewards Programme as may be amended, supplemented and/or added by the Bank from time to time.

1.12 'Relevant Month' means the month in which the relevant Card was first approved by the Bank.

1.13 'S$' means the lawful currency of Singapore.

1.14 Unless the context otherwise requires, words referring to the male gender shall include the female gender and neuter gender and words referring to the singular number shall include the plural number and vice versa. The headings to clauses are inserted for convenience of reference only.

1.15 All capitalised words and expressions in these Terms and Conditions shall, unless otherwise defined herein, have the same meanings as defined in the OCBC Cardmembers Agreement.

2. ISSUANCE OF TITANIUM BONUS MILES

2.1a A Cardmember will be awarded with 0.6 Titanium Bonus Miles for every S$1 local charged to his Card Account and/or Card for retail purchases made by such Cardmember and/or his Supplementary Cardmember.

2.1b A Cardmember will be awarded with 0.8 Titanium Bonus Miles for every $1 overseas charged to his Card Account and/or Card for retail purchases made by such Cardmember and/or his Supplementary Cardmember.

2.1c Annual Card fees, Cashwise, IPP, income tax payment, interest, late payment charges, goods and services taxes, cash advances, balance transfers and other fees and charges shall not be taken into account in the award and computation of Titanium Bonus Miles.

2.1d Notwithstanding anything to the contrary, in relation to spend incurred on any Ezlink and Transitlink transactions posted in a Cardmember's Card Account ("Ezlink spend") in a relevant calendar month, Titanium Bonus Miles will only be awarded on an amount not exceeding S$200 of the total Ezlink spend for that calendar month.

2.2 Retail purchases charged to the Card but have yet to be posted to the Card Account shall not be taken into account in the computation of Titanium Bonus Miles to be awarded.

2.3 OCBC reserves the right to revoke, deduct and/or recompute any Titanium Bonus Miles awarded in the event a Cardmember and/or a Supplementary Cardmember fails to effect due payment for the Card transactions and/or if the account is closed or terminated by the Cardmember or the Bank, as the case may be.

2.4 Any Titanium Bonus Miles awarded to a Cardmember will be reflected in the Card Account statement of that Cardmember as "Bonus Miles".

2.5 Subject to these Terms and Conditions, Titanium Bonus Miles shall be awarded to the Cardmember based on the total amounts of transactions charged to the Card Account each month, rounded down to the nearest whole number.



2.6 If a Cardmember has more than one Card or Card Account, Titanium Bonus Miles earned on all such Cardmember's Cards or Card Accounts will be aggregated and combined (the "Combined Titanium Bonus Miles") and you can use the Combined Titanium Bonus Miles for the purpose of redeeming Titanium Bonus Miles Rewards under the Programme.

2.7 A Cardmember who opted for SmartChange Programme shall not be entitled to earn Titanium Bonus Miles.

2.8 New instalments charged to a Cardmember's Card Account under the OCBC 0% Instalment Plan shall not be entitled to earn Titanium Bonus Miles.

2.9 Notwithstanding anything to the contrary:

(a) any Titanium Bonus Miles accumulated before 1 July 2015 but not utilised will be automatically forfeited, cancelled and shall become null and void at the relevant Titanium Bonus Miles' expiry date or upon the termination of the relevant Card Account; and

(b) any Titanium Bonus Miles accumulated on or after 1 July 2015 but not utilised will be automatically forfeited, cancelled and shall become null and void at the relevant Titanium Bonus Miles' new expiry date or upon the termination of the relevant Card Account.

3. USE OF TITANIUM BONUS MILES

3.1 Titanium Bonus Miles may be used by the Cardmember to redeem a Titanium Bonus Miles Reward.

3.2 Titanium Bonus Miles may be redeemed by such mode or redemption channels, within such period of time and in such manner as determined by the Bank and notified to the Cardmember or publicised by the Bank in any manner as it deems fit from time to time. Further, a Cardmember agrees to comply with such procedures for the redemption of any Titanium Bonus Miles Reward as may be imposed by the Bank from time to time. All Cardmembers agree that the use of any particular redemption channel shall be governed by the terms and conditions then in force in relation to such redemption channels.

3.3 Subject to availability and provided that a Cardmember has sufficient Titanium Bonus Miles for the Titanium Bonus Miles Reward selected, the Cardmember may use his Titanium Bonus Miles to redeem the said selected Titanium Bonus Miles Reward.

3.4 All requests to redeem any Titanium Bonus Miles Reward shall be processed based on a first-come, first-served basis, and are subject to (a) whether a Cardmember has sufficient accumulated Titanium Bonus Miles to redeem the Titanium Bonus Miles Reward he has selected and (b) the availability of the Titanium Bonus Miles Reward at the time of the redemption.

3.5 Where a Titanium Bonus Miles Reward is redeemable using Titanium Bonus Miles and cash, the Cardmember shall pay the cash component to the Merchant by charging such cash component to his Card Account using his Card.

4. ISSUE AND USE OF TITANIUM BONUS MILES REWARDS VOUCHER

4.1 Upon receipt of the Cardmember's selection of a Titanium Bonus Miles Reward, a Titanium Bonus Miles Rewards Voucher may be issued to the Cardmember. The Titanium Bonus Miles Rewards Voucher will specify the Titanium Bonus Miles Reward selected by the Cardmember and shall be valid for such period as may be determined by OCBC from time to time.

4.2 A Titanium Bonus Miles Rewards Voucher will be valid for such period as may be stated in the Titanium Bonus Miles Rewards Voucher and will cease to have any effect after its expiry. Use of the Titanium Bonus Miles Rewards Voucher is subject to (i) the terms and conditions stated herein, on the Titanium Bonus Miles Rewards Voucher and in the Titanium Bonus Miles Rewards Catalogue and (ii) such other restrictions and/or conditions as may be imposed by the Merchant in relation to which the Titanium Bonus Miles Rewards Voucher may be used to pay for or obtain goods and/or services of that Merchant.

4.3 If any sum of money is payable by the Cardmember (whether for the purposes in connection with the redemption of an Titanium Bonus Miles Reward or otherwise) (the "Relevant Sum") when a Titanium Bonus Miles Reward Voucher is issued to such Cardmember by the Bank for the purposes of him/her redeeming a Titanium Bonus Miles Reward, the Relevant Sum must be paid with the Card in which the Cardmember has selected to redeem the Titanium Bonus Miles Rewards or such other credit cards as may be approved by the Bank in its absolute discretion (the "Relevant Card"). Each Cardmember agrees that the Bank or anyone authorised by the Bank has the absolute discretion to charge the Relevant Sum to the Relevant Card without reference to the Cardmember. For the avoidance of doubt, if the Titanium Bonus Miles Rewards Voucher is issued in a form of a cash voucher and a Cardmember is to use such cash voucher to redeem or acquire goods or services from a relevant Merchant, the Cardmember is liable to pay for the difference between the value of such goods or services and the amount stated in the Titanium Bonus Miles Rewards Voucher if the value of the goods or services exceeds the amount stated in the Titanium Bonus Miles Rewards Voucher.

4.4 A Titanium Bonus Miles Rewards Voucher is not refundable or exchangeable for cash, Titanium Bonus Miles or another reward.

4.5 A Titanium Bonus Miles Rewards Voucher may not be used in conjunction with other promotions, discounts, privileges or offers, unless otherwise stated.

4.6 A Titanium Bonus Miles Rewards Voucher redeemable at dining establishments is valid for dine-in only, unless otherwise stated.

4.7 A Titanium Bonus Miles Rewards Voucher redeemable for hotel stay or spa requires prior reservation and is subject to availability, unless otherwise stated. Cardmembers are required to identify themselves as such when making reservations.

4.8 A Titanium Bonus Miles Rewards Voucher redeemable for a specified item is valid only for the product specified and is subject to availability, unless otherwise stated.

4.9 A Titanium Bonus Miles Rewards Voucher is valid per transaction/receipt/bill unless otherwise stated.

4.10 To redeem a Titanium Bonus Miles Reward, a Cardmember must present the relevant Titanium Bonus Miles Rewards Voucher with his Card to the relevant participating Merchant upon redemption of the said Titanium Bonus Miles Reward. A Cardmember may, subject to such terms and conditions as may be imposed by the Bank, authorise his/her Supplementary Cardmember to redeem the Titanium Bonus Miles Reward on the said Cardmember's behalf. If the Supplementary Cardmember is authorised to perform the redemption on the Cardmember's behalf, such Supplementary Cardmember must present the relevant Titanium Bonus Miles Rewards Voucher with his/her supplementary card to the relevant participating Merchant upon redemption of the said Titanium Bonus Miles Rewards. The Bank has the absolute discretion to request the Cardmember or the Supplementary Cardmember (as the case may be) to comply with such terms as may be imposed by the Bank when redeeming a Titanium Bonus Miles Reward under this Clause. For the avoidance of doubt, the Bank is not liable to any person (including, without limitation, any Cardmember or Supplementary Cardmember) for any losses, damages, claims, liabilities or expenses incurred or suffered by any person as a result of any Cardmember or Supplementary Cardmember (as the case may be) redeeming any Titanium Bonus Miles Reward under this Clause.

4.11 Subject to Clause 4.13 below, the Bank is not obliged to replace any Titanium Bonus Miles Rewards Voucher which has been lost, defaced, torn or damaged or stolen for whatever reason.

4.12 The Bank is not an agent of the Merchant or vendor of any Titanium Bonus Miles Reward. The Bank shall not in any way be liable or responsible for the quantity, quality, merchantability, fitness purpose of any Titanium Bonus Miles Reward or the acts or default of the Merchant. Any dispute relating to the quantity, quality or performance of any Titanium Bonus Miles Reward or the failure of the Merchant to supply the Titanium Bonus Miles Reward should be resolved directly with the Merchant.

4.13 Subject to OCBC's absolute discretion, a Cardmember may request OCBC to issue him a replacement Titanium Bonus Miles Rewards Voucher if he has lost his original Titanium Bonus Miles Rewards Voucher. The Bank has the absolute discretion not to provide any Cardmember with any replacement Titanium Bonus Miles Rewards Voucher. In the event that a replacement Titanium Bonus Miles Rewards Voucher is issued to a Cardmember and it is found out later that such Cardmember (whether fraud or otherwise) has used both the original and replacement Titanium Bonus Miles Rewards Vouchers to redeem more goods that he/she is entitled to, OCBC has the absolute right to charge such Cardmember and such Cardmember agrees to be liable to the face value of any additional goods redeemed by him.

4.14 Notwithstanding anything to the contrary, in addition to a Titanium Bonus Miles Rewards Voucher, the Bank has the absolute discretion to use such other modes or means as the Bank determines from time to time (collectively, the "Alternative Modes") to allow a Cardmember to redeem any Titanium Bonus Miles Rewards and each Cardmember agrees to be bound by such terms and conditions as may be imposed under the Alternative Modes.

5. KRISFLYER MILES REDEMPTION PROGRAMME

5.1 KrisFlyer miles redemption programme is applicable to Titanium Cards only.

5.2 Participation in the KrisFlyer miles redemption programme is subject to the terms and conditions of the Singapore Airlines' KrisFlyer Programme.

5.3 This programme enables Cardmembers to convert their Titanium Bonus Miles to miles under the KrisFlyer Programme.

5.4 To participate in the KrisFlyer Programme, Cardmembers must be enrolled in the KrisFlyer Programme.

5.5 A Cardmember who is enrolled in the KrisFlyer Programme can effect mile transfers at the conversion rate of partial Titanium Bonus Miles (5,000 Titanium Bonus Miles) with partial cash (S$3) for 5,000 KrisFlyer miles, or such other rate as OCBC may specify from time to time.

5.6 All KrisFlyer miles transferred by a Cardmember must be to his/her own individual account bearing his/her own name.

5.7 Otherwise notified to you by OCBC, there shall be no enrollment fee to participate in this programme.

5.8 Once a redemption request for KrisFlyer miles has been accepted by OCBC, cancellation of redemption, refund of conversion fee or exchange of Titanium Bonus Miles for any other redemption item shall not be allowed.

5.9 Cardmembers understand and agree that the process of conversion of Titanium Bonus Miles to KrisFlyer miles shall take approximately 21 working days. Notwithstanding anything stated herein, OCBC shall not be liable for any delay in the conversion process for any reason whatsoever (including without limitation, delay due to incorrect information in the system or due to system constraints and errors). Urgent requests or cancellations will strictly not be entertained.

5.10 Cardmembers will receive an acknowledgement via their registered email with OCBC and/or their secured inbox as a form of notification that the redemption of Titanium Bonus Miles has been approved and the transfer of KrisFlyer miles is in process. A Cardmember may refer to his online account statement by visiting www.krisflyer.com for an update of accumulated miles.

5.11 OCBC shall not be responsible for any fraud or unsuccessful transfers. In the latter case, a Cardmember's Titanium Bonus Miles and the conversion fee will be refunded to his/her card account, as appropriate.

5.12 OCBC shall not be responsible for any Cardmember's miles which have been successfully transferred or for the actions of Singapore Airlines in connection with but not limited to the KrisFlyer Programme.

5.13 Miles will be transferred to the KrisFlyer membership account indicated on the KrisFlyer miles Redemption Registration page, and Cardmembers are responsible for providing an accurate and valid KrisFlyer membership number.

6. OTHER CONDITIONS

6.1 The Bank reserves the right to replace any Titanium Bonus Miles Reward with another reward of similar value as determined by the Bank.

6.2 If after an Titanium Bonus Miles Rewards Voucher is issued, any of the Titanium Bonus Miles used by the Cardmember to secure such Titanium Bonus Miles Rewards Voucher are cancelled pursuant to any deletion, revision or correction by the Bank, the Cardmember shall pay the Bank the amount of the Titanium Bonus Miles Rewards Voucher or the value of the goods and services described in the Titanium Bonus Miles Rewards Voucher (as the case may be). The Bank may debit the Card Account of such Cardmember with the appropriate sum without further notice to the Cardmember.

6.3 The Bank shall be entitled to treat all instructions, whether oral, in writing or electronic, relating to Titanium Bonus Miles or the use or redemption of Titanium Bonus Miles, which are purportedly given to the Bank by the Cardmember to whom the Titanium Bonus Miles are awarded as the instructions of such Cardmember and to act in accordance with such instructions.

6.4 Each Cardmember hereby authorises the Bank to disclose information regarding him and his Cardmember's Card Account to any third parties for any purpose whatsoever. In addition, each Supplementary Cardmember also authorises the Bank to disclose information regarding him and his card account to any third parties for any purpose whatsoever.

6.5 The Bank's decision on all matters relating to or in connection with the Programme shall be final and binding on all Cardmembers and the Supplementary Cardmembers.

6.6 The Bank shall have the absolute discretion to use agents, contractors or correspondents or other third parties to administer and/or implement the Programme and the Bank shall not be liable to any person for any act, omission or neglect on the part of such agents, contractors or correspondents. Any instruction to redeem a Titanium Bonus Miles Reward received by any agent, contractor, correspondent or other third party appointed by the Bank to obtain such instruction shall be binding on the Cardmember or the Supplementary Cardmember (as the case may be) who has given or purportedly given such instruction and the Bank shall be entitled to act and rely on such instructions.

6.7 The Bank may at any time at its absolute discretion and upon written notice to the Cardmember, change any one or more of these Terms & Conditions. Such change(s) shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice. The Bank may notify the Cardmember of any changes to these Terms & Conditions by:-
(i) publishing such changes in the Card Account statements to be sent to the Cardmember;
(ii) displaying such changes at the Bank's branches or automated teller machines;
(iii) posting such changes on the Bank's website;
(iv) electronic mail or letter;
(v) publishing such changes in any newspapers; or
(vi) such other means of communication as the Bank may determine in its absolute discretion.

6.7A Where the Cardmember or any of his Supplementary Cardmember(s) continues to use his Card after such notification, then the Cardmember and all his Supplementary Cardmember(s) shall be deemed to have agreed with and accepted such change(s). If the Cardmember or any of his Supplementary Cardmember(s) does not accept such change(s), the Cardmember and all his Supplementary Cardmember(s) shall forthwith discontinue the use of all Cards and instruct the Bank to close all Card Account(s) and terminate all Cards.

6.7B The Bank reserves the right and at any time at its absolute discretion and without giving any reason or notice to withdraw, cancel or invalidate any Titanium Bonus Miles credited to any Cardmember's Card Account without liability. Neither any Cardmember nor Supplementary Cardmember shall be entitled to any payment or compensation whatsoever in respect of such withdrawal, cancellation or invalidation.

6.7C In the event of any inconsistency between these Terms & Conditions and any brochure, marketing or promotional material relating to the Programme, these Terms & Conditions shall prevail.

6.7D In the event that the Bank decides in its absolute discretion to discontinue the Programme permanently, the Bank shall give written notice of such discontinuation to the Cardmember. Such discontinuation shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice.

6.7E The Bank may notify the Cardmember of any discontinuation of the Programme by:
(i) publishing such notice in the Card Account statements to be sent to the Cardmember;
(ii) displaying such notice at the Bank's branches or automated teller machines;
(iii) posting such notice on the Bank's website;
(iv) electronic mail or letter;
(v) publishing such notice in any newspapers; or
(vi) such other means of communication as the Bank may determine in its absolute discretion.

6.7F Any notice given by the Bank to a Cardmember shall be deemed to have been given to and received by all the relevant Supplementary Cardmember(s) at the time when the Cardmember shall have received or is deemed to have received the same.

6.7G The Bank may, at its sole discretion and without prior notice, suspend the Programme at any time.

6.8 These Terms & Conditions shall be governed by and construed in accordance with the laws of Singapore and all Cardmembers and Supplementary Cardmembers hereby submit to the non-exclusive jurisdiction of the courts of Singapore.

6.9 A person who is not a party to any agreement governed by these Terms & Conditions has no right under the Contracts (Rights of Third Parties) Act Cap 53B to enforce any of these Terms & Conditions.

6.10 OCBC shall not be liable if it is unable to perform its obligation under these Terms & Conditions, due directly or indirectly to the failure of any machines or communication system, industrial disputes, wars, Act of God, or anything outside the alert of OCBC or its servants and/or employees.

6.11 The crediting of Titanium Bonus Miles to a Card Account shall be entirely at the discretion of the Bank and the Bank shall not be liable or responsible for any loss or damage suffered or incurred by any Cardmember or Supplementary Cardmember in relation to or in connection with his participation in the Programme and/or the Titanium Bonus Miles and/or the Titanium Bonus Miles Rewards Vouchers.

 

ALL INFORMATION IS CORRECT AND COMPLETE AS AT 1 July 2015.