BCM Credit Card ¡§Bonus Point Program¡¨ Terms and Conditions:

  1. Holders (¡§the Cardholders¡¨) of personal Credit Cards (including principal and supplementary cards) (¡§the Cards¡¨) issued by Banco Comercial de Macau, S.A. (¡§the Bank¡¨) are eligible to participate in this Bonus Point Program (¡§the Program¡¨). The Bank has full discretion in deciding the eligibility for the program.
  2. Cardholder earns 1 Bonus Point for every $1 (card currency) spent on the cards (Astro Boy Titanium Credit Cardholder earns 1.5 Bonus Point for every $1 spent on the card). The bonus points accumulated from the transactions will be posted to the card account at the end of the statement cycle and printed on the upcoming credit card statement. Cardholders can use the bonus points stated on the statement for gift redemption.
  3. Additional amount for gift redemption, installment, finance charges, overdue charges, annual fee and other service charges are not entitled to bonus point calculation.
  4. Bonus points are accumulated based on each type of credit card account (¡§Account¡¨). In other words, cardholder¡¦s bonus points gained by his/her principle and supplementary cards under the same card type will be accumulated in the same account. If Cardholder possesses two different card types, the bonus points will be accumulated separately for each card type, that is, two aggregated bonus points under the name of the Cardholder.
  5. Bonus Point Cycle:
    5.1) Each bonus point cycle lasts for 15 months with an additional grace period of 3 months for gift redemption. Bonus points are valid for a maximum period of 18 months.
    5.2) The expiration date, which has not included the 3-month grace period, will be printed on the credit card statement.
    5.3) After a 15-month bonus point cycle expired, the statement will display the bonus points of the new cycle. Cardholder can still utilize the bonus points under grace period to redeem gifts.
    5.4) Upon the expiration of the grace period, all the outstanding bonus points earned in that particular cycle will be cancelled automatically.
  6. Only those Cardholders whose card accounts are valid and in good standing will be eligible to use their bonus points.
  7. Once the Bank accepts a redemption order, it cannot be changed, cancelled or refunded.
  8. Report loss of the redemption letter will not be accepted. The Bank is not obliged to re-issue the redemption letter.
  9. All items in the Program are only available within the promotional period while stocks last.
  10. All redemption is subject to the accumulation of sufficient bonus points and the Bank¡¦s final acceptance. Orders will be cancelled automatically in the event of insufficient bonus points or violation of terms and conditions of the Program.
  11. Vouchers are not redeemable for cash and the use of vouchers will be bounded by the terms and conditions of the respective supplying companies.
  12. The Bank is not a service or product supplier in this Program and has no responsibility for any matters in relation to the gifts provided by the suppliers or products and services redeemed under the vouchers.
  13. The Bank will not be responsible for the quality and any matters in relation to the suppliers. Cardholders should resolve such issues directly with the suppliers.
  14. The Bank is not responsible for lost, damaged or stolen vouchers or goods redeemed through the Program.
  15. Fraud and abuse relating to the earning of bonus points or redemption orders may result in the forfeiture of accrued bonus points as well as the cancellation of a Cardholder¡¦s credit card(s). The Bank reserves the right to take legal action in such cases and to recover (among others) the costs of the vouchers, products or services redeemed by the Cardholders.
  16. The Bank reserves the right to change the terms and conditions, and the bonus points required herein for redemption from time to time, or to terminate the Program at any time without prior notice and has no responsibility.
  17. In case of any dispute arising out of the Program, the decision of the Bank shall be final.
  18. If this English version of the terms and conditions does not conform to the Chinese version, the Chinese version shall prevail.