Terms & Conditions

1. ELIGIBILITY :

  • The HSBC Private Label/ Co-branded Cards Rewards Programme (“Rewards Program”) is open to all Primary Cardholders, holding a valid HSBC Co-branded or Private Label Credit Card (“Cardholders”) from those mentioned below:
    • HSBC Spencer's Happy Ties Card (Platinum, Gold & Classic)
  • Cardholders are eligible for the Rewards Programme only as long as their credit card accounts and all linked accounts are valid and in good standing, i.e. there is no amount overdue.
  • The Cardholder cannot transfer Reward points to another Cardholder.

2. THE REWARDS PROGRAMME:

  • Eligible HSBC Spencer's Happy Ties Cardholders will earn reward points as given below for every Rs. 100 spent at :

    Card Type Out-store spends In-store spends
    Classic 3 8
    Gold 3 11
    Platinum 4 14

    The additional Reward points for every Rs. 100 worth of purchases made at Spencer's stores is shown below:

    Card Type Additional Reward Points  for In-Store spends
    Classic 5
    Gold 8
    Platinum 10

    This will be credited to the credit card account once every month and will be available for redemption only after the credit is posted.

  • Reward points will be offered only for purchases made on the credit card.
  • Reward points will not be offered on fuel purchases where the fuel surcharge is waived. Fuel surcharge waiver is applicable on fuel purchases between Rs. 400 and Rs. 4000 at any pump in India or according to any such criteria as decided by HSBC from time to time.
  • Cash advances, any fees/charges and disputed transactions will not accrue Reward points.
  • Purchases on add-on credit cards will accrue Reward points which will be credited to the primary cardholder's card account. Only the primary credit cardholder can redeem Reward points.
  • All unredeemed Reward points accrued in a two year period will expire at the end of that period, the first two year period beginning on the date of credit card issuance.
  • The accumulated Reward points have to be redeemed by the credit cardholder within one month of the end of the point accrual period, failing which the points will be dropped off the credit card account.

3. REDEMPTION:

  • HSBC Spencer's Happy Ties Cardholders can redeem their Reward points only against Spencer's Gift Vouchers.

4. REDEMPTION PROCESS:

  • Redemption of Reward points is not automatic. HSBC Spencer's Happy Ties Cardholders can redeem their Reward points by using the Phone Banking facility.
  • HSBC Spencer's Happy Ties Cardholders can also download the ‘HSBC Spencer's Happy Ties Card Reward Redemption Form' from www.hsbc.co.in and send the duly filled form to HSBC Card Products Division, Post Bag No. 5080, Chennai – 600 028, or fax it to 044 4291 0964 to redeem their Reward points.
  • Redemption requests will not be serviced if the redemption form is not fully and correctly filled up before submission.
  • Credit cardholders cannot redeem their Reward points against outstandings on their credit card.
  • Redemption of gifts, gift vouchers and magazine subscriptions is subject to availability.

5. FULFILLMENT:

  • Any redemption request received by HSBC will be fulfilled in three weeks time from the date of receipt. Whilst HSBC shall endeavour to take prompt action in every case, HSBC shall not be liable in any way for any delay.

6. DELIVERY :

  • Delivery will be made only at the billing statement address. A copy of the Proof of Delivery (POD) can be obtained from HSBC, if requested, within 30 days of the delivery date.
  • Delivery will be made only against written acknowledgement of receipt of the goods by any occupant at the billing statement address. Such acknowledgement shall be deemed to be acknowledgement of the Cardholder.
  • No delivery will be made to P.O. Box addresses or to addresses outside India.
  • HSBC or a third party service provider such as a courier company shall make three attempts to deliver the goods ordered to the billing statement address. If the goods are not delivered after three attempts, the Bank will hold the goods for 15 days from the date of the third attempt. If the Cardholder does not contact the Bank within these 15 days, the Bank shall credit the Cardholder's account with the Reward points used for those goods.
  • If a gift should arrive damaged, and:
    • If the damage is evident from the condition of the packaging, the Cardholder should refuse the shipment and obtain a refusal note from the courier company and send it to the Manager, HSBC Card Products Division, Post bag No. 5080, Chennai – 600 028.
    • If the damage is discovered after opening the package, the Cardholder should keep all packaging materials and cartons and return all the material to the Manager, HSBC Cards Products Division. If the returned goods are found by HSBC to be defective or not to comply with the description in the Rewards catalogue, HSBC shall in their best endeavour procure replacements for the items and if not, shall credit the Cardholder's account with the points used for those items. The Cardholder shall thereafter have no claim whatsoever against HSBC.

7. WITHDRAWAL:

  • HSBC reserves the right to wholly or partly modify the Rewards Programme. HSBC also reserves the right to change the Reward point conversion rate, withdraw Reward points awarded or to vary any of the terms and conditions herein in its absolute discretion and without prior notice to credit cardholders.
  • In case this Rewards Programme comes in conflict with any rule, regulation or order of any statutory authority, then HSBC has absolute authority and right to modify or cancel this programme to give effect to the said requirements.

8. GENERAL:

  • Fraud and abuse relating to earning and redemption of Reward points in the Rewards Programme will result in forfeiture of accrued points as well as termination of the Cardholder's credit card account.
  • Information supplied by the Cardholder on the redemption of certain products/services may be used by HSBC or its service establishments for administrative or marketing purposes.
  • For redemption requests using the points + pay option, the Cardholder's account will be debited with the amount indicated and will reflect in the Cardholder's subsequent card statement.
  • The Rewards Programme is entirely voluntary and it is understood that all charges are voluntarily incurred by the Cardholder in the normal course of credit card usage.
  • Any tax or other liabilities or charges payable to the Government or any other authority or body or any other participating establishment which may arise or accrue to the Cardholders by redemption as aforesaid or otherwise as result of this Rewards Programme shall be borne by the Cardholder.
  • Terms and conditions stated herein do not amount to any commitment or representation by HSBC to conduct such programmes.
  • Selection of the products / services offered under the Rewards Programme will be at the sole discretion of HSBC and are liable to change without notice.
  • HSBC assumes no responsibility for the Reward points converted into a participating partner's loyalty programme or for actions of any participating merchant or any other partner in connection with the Rewards programme or otherwise.
  • In the event of the HSBC credit card being voluntarily closed by a Cardholder, the Reward points that are in the credit card account can be redeemed within one month of card closure. In case the Cardholder fails to redeem these points within one month of closure, the Reward points will automatically lapse.
  • In case of a disputed transaction being resolved in the favour of the Cardholder and/or where a transaction is reversed, the equivalent Reward points will also be reversed.
  • Reward points which have been credited or debited to or from the Cardholder's account shall be reflected in the following month's statement issued by HSBC to the credit cardholder.
  • On redemption, the Reward points will automatically be subtracted from the accumulated points in the Cardholder's credit card account.
  • Redemption orders once given to HSBC cannot be cancelled, withdrawn or changed. Redeemed rewards are not exchangeable for other rewards or refundable, replaceable or transferable for cash or credit under any circumstances. Reward points once exchanged for any other partner's loyalty programme cannot be transferred or cancelled.
  • HSBC will not be held responsible if any supplier of products/ services offered to credit cardholders withdraws, cancels, alters or amends those products/ services.
  • HSBC is not responsible for lost or stolen coupons/vouchers/certificates redeemed through the Rewards Programme. HSBC and its agents are not responsible for any orders not received, due to correspondence lost or delayed in the mail.
  • HSBC's decision on computation of Reward points on the credit card account will be final, conclusive and binding on the credit cardholder and will not be liable to be disputed or questioned.
  • The existence of a dispute, if any, with a third party shall not constitute a claim against HSBC.
  • Any disputes arising out of this programme shall be subject to the exclusive jurisdiction of the competent courts in Mumbai only.
  • The terms and conditions of the Rewards Programme shall be governed by the provisions of Indian law.

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