BCM Credit Cardholders can make prior redemption of desired combination of gifts during the redemption period and accumulate corresponding spending amount during the spending period！

Selected Gifts		Accumulated Spending (MOP/HKD)
$50 Supermarket Cash Coupn		$4,800
$50 New Yaohan Cash Coupon
Winter Cozy Blanket		$15,800
Supreme Hot Pot Set
Häagen-Dazs Ice Cream Fondue Set		$23,800
Thailand Round Trip Air Tickets		$88,000
Singapore Round Trip Air Tickets		$100,800

Remaks︰

• The Promotion is not applicable to Doraemon Credit Cards and World Mastercards
• Pictures are for reference only
• Each Credit Card is limited to entitle to a maximum of $300 each Cash Coupon
• Gifts are on first-come-first-serve basis whilst stocks last
• Each transaction amount must be MOP/HKD100 or above
• Spending accumulation will be calculated from the lowest up to the highest if more than one gift has been redeemed
• In case of customers fail to fulfill the requried spending amount, penalty equals to the value of the gifts being redeemed plus and administration fee of MOP/HKD100 will be deducted from Customers Credit Card account

1. The Promotion Period of “Enjoy Now‧Cozy Fest” Redemption Offer (“Promotion”) is from 19 November until 31 December 2018 (“Promotion Period”).
2. The Promotion is applicable to all Credit Cards and Co-branded Credit Cards (including Principle Card and Supplementary Card) issued by Banco Comercial de Macau, S.A. (“BCM bank”), except Doremon Credit Cards and BCM World Mastercards.
3. Cardholders can choose to redeem designated gifts (“Gifts”) within the period from 19 to 30 November 2018 (“Redemption Period”) and then fulfill the designated spending requirement within the period from19 November to 31 December 2018 (“Spending Period”) corresponding to the total amount of Gifts being redeemed.
4. Each spending transaction must be MOP/HKD100 or above in order to be eligible for the spending accumulation.  
5. The accumulated spending on the Principle Card and Supplementary Card will be calculated individually.
6. The Bonus Points in association with the redemption will be deducted from the relevant Credit Card account within one month after the Promotion Period.
7. Shall more than one Gift is collected; the calculation of the accumulated spending amount in entitling to the Gifts will be in an order from the lowest amount up to the highest one.
8. Cardholders are required to present BCM Credit Cards for redemption application at BCM Building 4/F Gift Redemption Centre within the Redemption Period. No late application/redemption will be accepted.
9. In case of lost, no replacement of gift redemption letter(s) will be granted.
10. Gifts are available on first-come-first-serve basis whilst stocks last. In case of stock out, BCM Bank reserves the right to amend any of the Gifts without prior notice.
11. Redeemed Gifts cannot be returned, cancelled or refunded.
12. The following transaction items are excluded for this Promotion: “Easy-Fun” Installment Program, Cash in Plan, Macau Pass top up transaction, mail orders, telephone purchase orders, balance transfer, autopay, annual fee, handling fee, interest-free installment plan, casino chips transaction, interest, financial charge, cash advance, cheque payment, late fee or transaction without sales slip, unposted/cancelled/refunded and unauthorized transactions.
13. If the Credit Card or any related transaction is found cancelled or ineligible, which had been calculated for the Promotion after the Gifts have been collected, and resulted in the transactions failing to meet the designated amount, BCM bank has the right to debit the relevant amount that is equivalent to the value of the redeemed Gift plus an administration fee of MOP/HKD100 from the relevant Credit Card account or any other bank account possessed by customer in BCM bank in case the Credit Card account is invalid without prior notice.
14. BCM bank is not the supplier of the Gifts and will not be responsible for the quality of the products or services provided.
15. The Promotion cannot be used in conjunction with other promotional offers.
16. Cardholders should maintain the Credit Cards valid and with good financial status during the entire Promotion Period in order to entitle to the Promotion.
17. In case of dispute, BCM bank and the relevant merchants reserve the right for the final decision.
18. BCM bank reserves the right to amend any of these terms and conditions without prior notice.
19. If there is any inconsistency between the English and Chinese version of these terms and conditions, the Chinese version shall prevail.