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Indulge in the finest with HSBC Lucky Draw Campaign 2026 (“Promotion”) Terms and Conditions

(Commences on 15 May 2026 and ends on 31 July 2026)

A. Promotion-Specific Terms and Conditions

  1. This Promotion:
    1.   is offered by HSBC Bank (Singapore) Limited (“HSBC“, “we” or “us“);
    2.  commences on 15 May 2026 and ends on 31 July 2026 (subject to Clause 2, Clause 3, and Clause 4 of this Section A below or such other date(s) as we may reasonably determine) (the “Promotional Period“); and
    3. is applicable to our new and existing customers who meet all the following criteria (collectively referred to as “Eligible Customers” and each, an “Eligible Customer“):
      1. who hold one or more:
        1.  main HSBC personal credit cards (except HSBC US dollar cards and HSBC corporate cards) issued by HSBC in Singapore as a primary credit cardholder; and/or
        2. HSBC debit cards issued by HSBC in Singapore and maintain an HSBC personal current or savings accounts in Singapore (each such credit card or debit card, a “Card“); and
      2. whose account(s) is in good standing and conducted in a proper and satisfactory manner (as determined by us in our reasonable discretion) over the entire Promotional Period and at the time of fulfillment; and
      3. who are aged 18 or above on 15 May 2026; and
      4. who are residing in Singapore with a valid Singapore residential address.
  2. To participate in this Promotion, an Eligible Customer must successfully register for this Promotion within the Promotional Period via either of the following options:
    1.  Option 1: Register for this Promotion via the HSBC Cards Campaign Registration Form (“e-form“) with gift code “INDULGE“; OR
    2. Option 2: Register via the HSBC Singapore app by tapping the in-app banner that relates to this Promotion, where available. If the in-app banner is not available, the Eligible Customer may register via Option 1 instead.

      Each successfully registered Eligible Customer shall be a “Registered Cardholder“. If the Gift Code contains any spelling errors, the registration will be void and you will not be eligible for this Promotion. Eligible Customers only need to register their interest once during the Promotional Period to participate in the Promotion.

  3. Registered Cardholders will earn draw chances based on the following criteria:
    1. Earn 1 draw chance when you register for PayNow using your mobile number via (i) the HSBC Singapore mobile app or (ii) HSBC internet banking within the Promotional Period. Only applicable for customers who register for PayNow with HSBC from 15 May to 31 July 2026.
    2. Earn 1 draw chance for every S$500 charged in Local Qualifying Spend (as defined below) on any HSBC Card during the Promotional Period. For Local Qualifying Spend on HSBC Premier Mastercard, refer to Clause 3d.
    3. Earn 2 draw chances for every S$500 charged in Overseas Qualifying Spend (as defined below) (in foreign currency equivalent) on any HSBC Card during the Promotional Period. For Overseas Qualifying Spend on HSBC Premier Mastercard, refer to Clause 3d.
    4. Earn 3 draw chances for every S$500 charged in Local Qualifying Spend or Overseas Qualifying Spend (in foreign currency equivalent) with a HSBC Premier Mastercard during the Promotional Period.
    5. Earn 3 draw chances for every S$3,000 (or in the equivalent for any currency offered by HSBC) of Eligible FX Transactions (as defined below) completed during the Promotional Period. For Eligible FX Transactions made from a joint account:
      1.  if only one joint account holder is a Registered Cardholder, all draw chances arising from Eligible FX Transactions made from the joint account will be allocated to that Registered Cardholder; and
      2. if both joint account holders are Registered Cardholders, all draw chances arising from Eligible FX Transactions made from the joint account will be allocated to each joint account holder.
      Criteria Draw Chance(s) Earned by Customer
      Register for PayNow with your mobile number 1 Chance
      Every S$500 charged in Local Qualifying Spend on any HSBC Card 1 Chance
      Every S$500 charged in Overseas Qualifying Spend (foreign currency equivalent) on any HSBC Card 2 Chances
      Every S$500 charged in Local or Overseas Qualifying Spend (foreign currency equivalent) with HSBC Premier Mastercard 3 Chances
      Every S$3,000 of Eligible FX Transactions (or in the equivalent for any currency offered by HSBC) 3 Chances
  4. For avoidance of doubt, an Eligible Customer that meets more than one criterion under Clause 3 will be allocated an aggregate number of draw chances based on the total number of criteria met. By way of illustration:
    Scenario Draw Chance(s) allocated
    Customer registers for PayNow using mobile number via HSBC Singapore mobile app 1
    Customer completes S$6,000 in Eligible FX Transactions using Global Money Transfers via HSBC Singapore mobile app 6
    Customer charges S$3,000 in Local Qualifying Spend to an HSBC debit card (charged in the Card’s denominated currency i.e. SGD) 6
    Customer charges the equivalent of S$2,000 in Overseas Qualifying Spend to their HSBC Revolution Credit Card (charged in a currency other than the Card’s denominated currency, i.e. non-SGD) 8
    Customer charges S$5,000 in Local or Overseas Qualifying Spend to their HSBC Premier Mastercard Credit Card 30
    Total = 51 draw chances
  5. By participating in this Promotion, the Eligible Customer agrees that HSBC and our service providers may collect, use and disclose their information (including personal data), for the following purposes and in accordance with our data privacy policy:
    1.  To administer this lucky draw, including to contact you for the administration of prizes in relation to this lucky draw.
    2. To disclose and/or publish your name, particulars, and pictures/photographs for publicity purposes in relation to this lucky draw.

    Each Eligible Customer that meets the criteria specified in Clauses 2 and 3 shall be referred to as a “Qualified Cardholder“.

  6. For the purposes of Clause 3:

    “Eligible FX Transaction” shall mean, with respect to an Eligible Customer, any of the following transaction types set out below, provided that the send currency and receive currency of the transaction are different:

    • Transfer made by an Eligible Customer between his/her Everyday Global Accounts via HSBC Singapore app or HSBC Online Banking
    • Transaction made by an Eligible Customer through FX Order Watch
    • Foreign exchange transaction made by an Eligible Customer via HSBC Global Money Transfers via HSBC Singapore app
    • Foreign exchange transaction made by an Eligible Customer using Worldwide Transfers via HSBC Online Banking or HSBC Singapore app
    • Global Transfers made by an Eligible Customer between his/her own accounts
    • HSBC Global Transfers transaction made by an Eligible Customer to third-party accounts via HSBC Online Banking

    For the avoidance of doubt, any of the following transaction types set out below do not constitute an Eligible FX Transaction:

    • Foreign exchange conversion performed by an Eligible Customer for time deposit placement, via HSBC Singapore app
    • Manual international 3rd party remittance transactions made by an Eligible Customer via HSBC branches
    • All foreign exchange transactions made by an Eligible Customer via HSBC branches

    “Local Qualifying Spend” shall mean posted retail transactions that are Local Retail Transactions or Online Transactions charged to a Card account of an Eligible Customer and/or to the account of the supplementary cardholder of the relevant Eligible Customer (as defined above).

    “Overseas Qualifying Spend” shall mean posted retail transactions that are Overseas Transactions or Online Transactions charged to a Card account of an Eligible Customer and/or to the account of the supplementary cardholder of the relevant Eligible Customer (as defined above).

    “Local Retail Transactions” shall mean retail transactions that fall within one of the Eligible Categories (as defined below) which are successfully carried out in Singapore dollars and charged to a Card account and/or to the account of the supplementary cardholder of the relevant Eligible Customer.

    “Online Transactions” shall mean all retail transactions that fall within one of the Eligible Categories which are successfully charged to a Card account and/or to the account of a supplemental cardholder of an Eligible Customer made via the internet and processed by the respective merchants/acquirers as an online transaction type through the MasterCard International Incorporated and/or Visa Worldwide networks.

    “Overseas Transactions” shall mean all overseas transactions that fall within one of the Eligible Categories which are successfully carried out outside Singapore and charged in foreign currency to a Card account and/or to the account of a supplemental cardholder of an Eligible Customer.

    Please refer to the table below for a breakdown on eligible category descriptions (“Eligible Categories“):

    Category MCCs Examples
    Travel Airlines 3000 – 3350, 4511 AirAsia, Air Canada, Air France, British Airways, Cathay Pacific, Etihad Airways, EVA Air, Qantas, Scoot, Singapore Airlines
    Hotels/Lodging 3501 – 3999, 7011 Accor Live Limitless, Ascott Group, Hilton Hotels & Resorts, Marriott International
    Tour Agencies 4722 – 4723 Agoda, Booking.com, Expedia, KKday, Klook, Traveloka, Trip.com
    Cruises 4411 – 4457 Resorts World Cruises, Royal Carribean
    Car Rental 3351 – 3500, 7512 Avis, Blue SG, GetGo, Hertz
    Shop Apparel 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5941, 5948 Adidas, ALDO, Calvin Klein, Chanel, Charles & Keith, Cotton On, Crocs, Decathlon, Louis Vuitton, Love Bonito, Lovisa, Lululemon, Mango, Mothercare, Nike, Uniqlo, Zara
    Watches & Jewellery 5094, 5944 Cartier, Gold Heart, Omega, Rolex, Swarovski, The Hour Glass, Tiffany & Co
    Department & Duty‑Free Stores 5309, 5311, 5262, 5331 BHG, Isetan, KrisShop, Marks & Spencer, MUJI, Takashimaya, Shilla Duty‑Free, Shopee, Lazada
    Home & Electronics 5045, 5712, 5722, 5732, 5734, 5946 Apple, Best Denki, Canon, Castlery, Challenger, COURTS, DJI, Dyson, Harvey Norman, IKEA
    Beauty 5977, 5912 Guardian, Innisfree, Kiehls, L’Occitane, Lush, Sephora, The Body Shop, Watsons
    Specialty Retail 5399, 5942, 5945, 5970, 5992, 5999 Artfriend, Far East Flora, Kinokuniya, Papermarket, Popmart, POPULAR
    Dine Dairy Products Stores 5451 Island Creamery, KOOKs Creamery, Chocolate Origin
    Bakeries 5462 Famous Amos, Awfully Chocolate, Bengawan Solo, Bread Talk, Chateraise, Four Leaves
    Miscellaneous Food Stores 5499 7-11, Cheers, Eu Yan Sang, Nespresso, TWG
    Caterers 5811 Stamford Catering, Orange Clove Catering, Chilli Manis Catering
    Eating Places, Restaurants 5812 Din Tai Fung, Paradise Group, Creative Eateries Group, Nandos, Swensens
    Drinking Places (Alcoholic Beverages) 5813 Brewerkz, Marquee, Zouk, Wine Connection
    Package Stores, Beer, Wine, Liquor 5921 1855 The Bottle Shop, Bottles & Bottles, Vivino
    Candy, Nut, Confectionery Stores 5441 Candy Empire, Cocoa Tree, Janice Wong, Venchi, Laderach
    Restaurants in Hotels 3501 – 3999, 7011 Colony, Asian Market Café, Prego, One-Ninety Restaurant
    Entertainment Theatrical Producers (Except Motion Pictures), Ticket Agencies 7922 Madame Tussauds, SISTIC, Ticketmaster
    Motion Picture Theaters 7832 Cathay Cineleisure, Golden Village, Shaw Theatres, The Projector
    Cable and other Pay TV Services 4899 Amazon Prime, Disney+, IQIYI, Netflix, HBO GO, VIU
    Digital Goods: Books Movies Music 5815 Spotify, YouTube Premium
    Travel
    Category Airlines
    MCCs 3000 – 3350, 4511
    Examples AirAsia, Air Canada, Air France, British Airways, Cathay Pacific, Etihad Airways, EVA Air, Qantas, Scoot, Singapore Airlines
    Category Hotels/Lodging
    MCCs 3501 – 3999, 7011
    Examples Accor Live Limitless, Ascott Group, Hilton Hotels & Resorts, Marriott International
    Category Tour Agencies
    MCCs 4722 – 4723
    Examples Agoda, Booking.com, Expedia, KKday, Klook, Traveloka, Trip.com
    Category Cruises
    MCCs 4411-4457
    Examples Resorts World Cruises, Royal Carribean
    Category Car Rental
    MCCs 3351 – 3500, 7512
    Examples Avis, Blue SG, GetGo, Hertz
    Shop
    Category Apparel
    MCCs 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5941, 5948
    Examples Adidas, ALDO, Calvin Klein, Chanel, Charles & Keith, Cotton On, Crocs, Decathlon, Louis Vuitton, Love Bonito, Lovisa, Lululemon, Mango, Mothercare, Nike, Uniqlo, Zara
    Category Watches & Jewellery
    MCCs 5094, 5944
    Examples Cartier, Gold Heart, Omega, Rolex, Swarovski, The Hour Glass, Tiffany & Co
    Category Department & Duty Free Stores
    MCCs 5309, 5311, 5262, 5331
    Examples BHG, Isetan, KrisShop, Marks & Spencer, MUJI, Takashimaya, Shilla Duty Free, Shopee, Lazada
    Category Home & Electronics
    MCCs 5045, 5712, 5722, 5732, 5734, 5946
    Examples Apple, Best Denki, Canon, Castlery, Challenger, COURTS, DJI, Dyson, Harvey Norman, IKEA
    Category Beauty
    MCCs 5977, 5912
    Examples Guardian, Innisfree, Kiehls, L’Occitane, Lush, Sephora, The Body Shop, Watsons
    Category Specialty Retail
    MCCs 5399, 5942, 5945, 5970, 5992, 5999
    Examples Artfriend, Far East Flora, Kinokuniya, Papermarket, Popmart, POPULAR
    Dine
    Category Dairy Products Stores
    MCCs 5451
    Examples Island Creamery, KOOKs Creamery, Chocolate Origin
    Category Bakeries
    MCCs 5462
    Examples Famous Amos, Awfully Chocolate, Bengawan Solo, Bread Talk, Chateraise, Four Leaves
    Category Miscellaneous Food Stores
    MCCs 5499
    Examples 7-11, Cheers, Eu Yan Sang, Nespresso, TWG
    Category Caterers
    MCCs 5811
    Examples Stamford Catering, Orange Clove Catering, Chilli Manis Catering
    Category Eating Places, Restaurants
    MCCs 5812
    Examples Din Tai Fung, Paradise Group, Creative Eateries Group, Nandos, Swensens
    Category Drinking Places (Alcoholic Beverages)
    MCCs 5813
    Examples Brewerkz, Marquee, Zouk, Wine Connection
    Category Package Stores, Beer, Wine, Liquor
    MCCs 5921
    Examples 1855 The Bottle Shop, Bottles & Bottles, Vivino
    Category Candy, Nut, Confectionery Stores
    MCCs 5441
    Examples Candy Empire, Cocoa Tree, Janice Wong, Venchi, Laderach
    Category Restaurants in Hotels
    MCCs 3501 – 3999, 7011
    Examples Colony, Asian Market Café, Prego, One-Ninety Restaurant
    Entertainment
    Category Theatrical Producers (Except Motion Pictures), Ticket Agencies
    MCCs 7922
    Examples Madame Tussauds, SISTIC, Ticketmaster
    Category Motion Picture Theaters
    MCCs 7832
    Examples Cathay Cineleisure, Golden Village, Shaw Theatres, The Projector
    Category Cable and other Pay TV Services
    MCCs 4899
    Examples Amazon Prime, Disney+, IQIYI, Netflix, HBO GO, VIU
    Category Digital Goods: Books Movies Music
    MCCs 5815
    Examples Spotify, YouTube Premium

    For the avoidance of doubt, the Eligible Categories are determined by the above Merchant Category Codes (“MCC“). A Merchant Category Code (MCC) is a four-digit number assigned to a merchant/business by the merchant’s acquiring bank. The acquiring bank provides the credit card payment facilities used by the merchant, and it determines and applies (with respect to the account), the MCC which in its view best describes the merchant activity. HSBC does not determine the merchant’s MCC.

    The following transactions (which shall, where applicable, be determined based on the transaction descriptions reflected in HSBC’s system and the merchant category codes from Visa / MasterCard) are excluded from the Eligible Categories:

    • Foreign exchange transactions (including but not limited to Forex.com);
    • Donations and payments to charitable, social organisations and religious organisations;
    • Quasi-cash transactions (including but not limited to transactions relating to money orders, traveler’s checks, gaming related transactions, lottery tickets and gambling);
    • Payments made to financial institutions, securities brokerages or dealers (including but not limited to the trading of securities, investments or crypto-currencies of any kind);
    • Payments on money payments/transfers (including but not limited to Paypal, SKR skrill.com, CardUp, SmoovPay, iPayMy);
    • Payments to any professional services provider (including but not limited to GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC);
    • Top-ups, money transfers or purchase of credits of prepaid cards, stored-value cards or e-wallets (including but not limited to Grab Top-Up, EZ-Link, Transitlink, NETS Flashpay and Youtrip);
    • Payments in connection with any government institutions and/or services (including but not limited to court costs, fines, bail and bond payment);
    • Payments to educational institutions;
    • Any AXS (including AXS Pay+Earn) and NETS/ATM transactions;
    • Any payments or transactions on Carousell;
    • Tax payments;
    • Payments for cleaning, maintenance and janitorial services (including property management fees);
    • Payments to insurance companies (including but not limited to sales, underwriting, premiums and insurance services);
    • Payments on utilities;
    • The monthly instalment amounts under the HSBC Spend Instalment and HSBC 0% Card Instalment Plans; In the case of HSBC Spend Instalment, only the total purchase amount will qualify as a Qualifying Spend in the month of purchase.
    • Balance transfers, fund transfers, cash advances, finance charges, late charges, HSBC’s Cash Instalment Plan, any fees charged by HSBC;
  7. In the event that a Card is voluntarily or involuntarily cancelled or terminated or suspended for any reasons whatsoever, or a Qualified Cardholder is determined by HSBC not to have fulfilled the conditions of the Promotion for any reason, HSBC reserves the right to disqualify the Qualified Cardholder from receiving any Prize.
  8. Registrations in any other format other than that specified in Clause 2, and/or e-form registrations with incorrect information will be automatically disqualified. An acknowledgement of participation will be displayed on the website after the e-form registration has been submitted. This acknowledgement of participation does not equate to qualification of the Prize, even if the Local or Overseas Qualifying Spend requirement is met.
  9. All Local or Overseas Qualifying Spend transactions charged to the Cards in the name of the same Cardholder will be aggregated together to qualify for the minimum Local or Overseas Qualifying Spend. HSBC is not responsible for any failure or delay in the transmission of Local or Overseas Qualifying Spend transactions by any party including but not limited to acquiring merchants, merchant establishments, or any telecommunications provider.
  10. Supplementary credit cardholders are not eligible for this Promotion. However, for each main Cardholder who is a Registered Cardholder, Local or Overseas Qualifying Spend made by supplementary cardholders will be consolidated under such main Cardholder’s Card account for the purpose of computing the relevant minimum Local or Overseas Qualifying Spend.

    11. Fulfilment

  11. Winners will be selected randomly from the pool of entries by means of a computerized draw using a randomization formula under the supervision of an external auditor (the “Draw“). The Draw will be conducted on 16 September 2026, between 9am to 6pm at HSBC’s office located at Mapletree Business City, 20 Pasir Panjang Road (East Lobby) Level 13, Singapore 117439. The number of winners of the Draw (each, a “Winner“) and the prizes that will be awarded (each, a “Prize“) are as follows:
    Prize Number of Winner(s)
    A pair of First Class round-trip Tickets to Japan (awarded in the form of 350,000 KrisFlyer miles to the Winner’s Singapore Airlines KrisFlyer membership account) 3
    A dream holiday with Trip.com worth S$10,000 5
    Michelin starred dining experience for 2 at Burnt Ends 100
    Michelin starred dining experience for 2 at Pangium 50
    2D1N staycation at Shangri-La Singapore Tower Wing Deluxe Room for 2 adults (inclusive of S$50 dining credits & breakfast for 2) 50
    2D1N staycation at COMO Metropolitan Singapore (inclusive of breakfast for 2 at COMO Cuisine & a complimentary welcome bottle of wine) 50
  12. The Winners will be announced on HSBC’s website at hsbc.com.sg/midyear within 7 working days from the date of the Draw (the “Draw Date“). In addition:
    1.  For Winners of A pair of First Class round-trip Tickets to Japan (awarded in the form of 350,000 KrisFlyer miles to the Winner’s Singapore Airlines KrisFlyer membership account), a letter containing the details of redemption of the relevant Prize (“Letter“) will be sent to each Winner by mail to his/her Singapore address in HSBC’s records by 1 October 2026.
    2. For Winners of A dream holiday with Trip.com, Michelin starred dining experiences for 2 at Burnt Ends or Pangium and 2D1N staycation at Shangri-La Singapore or COMO Metropolitan Singapore, a SMS containing details of the redemption of the Prizes will be sent to each Winner’s Singapore mobile number in HSBC’s records by 1 October 2026, barring any unforeseen technical delays.
      1. If there any issues regarding the non-receipt of the redemption SMS, Qualified Cardholders must contact HSBC by 10 October 2026. In the event of any disputes in relation to the Promotion, HSBC’s decision shall be final.
      2. SMS delivery is dependent on the relevant telecommunication service providers. HSBC is not responsible in any manner whatsoever for any non-receipt of, or delay in the receipt of, any SMS by any party.

    Each Winner must notify HSBC by 10 October 2026 if they have not received the Letter/SMS.

  13. With regard to the Prizes related to A pair of First Class round-trip Tickets to Japan (awarded in the form of 350,000 KrisFlyer miles to the Winner’s Singapore Airlines KrisFlyer membership account):
    1. The KrisFlyer miles will be directly credited to each relevant Winner’s Singapore Airlines KrisFlyer membership account.
    2. To receive the Prize, each relevant Winner must have a valid KrisFlyer membership account by such date as may be notified by HSBC.
    3. The awarded KrisFlyer miles can only be used for the redemption of base air fare and cannot be used to offset any taxes or surcharges.
    4. Use of the awarded KrisFlyer miles is subject to the terms and conditions of the KrisFlyer Programme. For further details, please visit https://www.singaporeair.com/en_UK/ppsclub_krisflyer/termsconditions-kf/.
  14. With regards to the Prizes related to A dream holiday with Trip.com worth S$10,000:
    1. Winners will receive a notification from HSBC and will be provided a unique identifier code and a guide on how to redeem the Prize. This PDF guide will be provided by Trip.com.
    2. Upon Notification by HSBC, Winners must contact the Trip.com Singapore Reward Support Team (“Reward Support Team”) at [email protected] by 30 November 2026 (“Validity Period”) with the unique identifier code to commence the booking process. If any of the Winners did not contact the Trip.com Singapore Reward Support Team by the Validity Period, they shall be deemed to have forfeited all rights to the Prize. There will be strictly no extension of the Validity Period.
    3. Winners can share a pre-planned itinerary or work with the Reward Support Team to curate one. To begin, he/she can share the preferred destination(s), travel dates, and product choices.
    4. Once the itinerary is agreed and confirmed, Reward Support Team will proceed to issue the bookings. Booking confirmations, e-tickets and relevant travel documents will be collated and provided to the Winners by the Reward Support Team as a single itinerary confirmation.
    5. The prize must be redeemed as one (1) single trip, defined as one continuous travel period with one (1) departure flight out of Singapore booked via Trip.com Singapore (the “Trip”). There is no limit to the number of travellers or travel products included within the Trip, provided all bookings fall within the value of S$10,000 and approved categories below:
      1.    Flights
      2.   Hotels
      3.  Bundle & Save (Flight + Hotels)
      4.  Trains
      5.   Airport Transfers
      6.  Car Rentals
      7.  Attractions and Tours
      8. Packaged tours
    6.  All travel products must be booked 1-month in advance of the Trip commencement.
    7. All bookings must be completed by 31 March 2027. The entire Trip must be completed by 31 October 2027, inclusive of the full duration of the Trip. Blackout dates may apply to specific products. There will be strictly no extension of the Trip completion period.
    8. The Trip.com Reward Support Team will require the following details for each traveller:
      1.    Full Name (as per passport)
      2.   Passport Number
      3.  Passport Issue Date and Expiry Date
      4.  Date of Birth
      5.   Gender
      6.  Nationality
      7. The main traveler must also provide an email address and contact number
    9. Redemption Process: All bookings will be managed under an independent company-secured Trip.com account. Earning of Trip coins will not be applicable here.
    10. Prices are dynamic according to availability and may change from time to time. Provided prices are accurate at the moment of display/communication and can fluctuate from time to time.
    11. Prize Exclusion: The Prize excludes any payments that must be made directly on-site during the Trip, including but not limited to local city taxes, gratuity fees, resort fees, or other incidental charges. Travel insurance and travel visa are not included in the Prize. The Reward Support Team does not manage the visa application process for the Winners and guests.
    12. Booking value exceeding S$10,000: If the Prize exceeds S$10,000, the Reward Support Team will provide an itemized breakdown. Winners may:
      1.   Remove product(s) to remain within budget; OR
      2.  Accept partial or full payment of the excess amount at own expense

        You will receive a Trip.com promo code to offset the covered portion under the prize cap. This promo code will:

        1. Be valid for 3 days from the date of issuance
        2. Be redeemable via the Trip.com Singapore app under the Winner’s personal Trip.com account (new or existing). Earning Trip coins will be applicable here.
        3. Be valid for payment with an HSBC Eligible Card(s)
    13. Change and Cancellation: All bookings are subject to stringent conditions regarding changes, cancellations, refunds, and endorsements. Once a travel product is booked, no changes or cancellations are permitted under any circumstances. This includes, but is not limited to, name amendments, travel date changes, and add-on services.
    14. In the event of a flight change/cancellation or other force majeure event (such as natural disasters, pandemics, or government-imposed travel restrictions), the Reward Support Team will assist the winner with necessary rebooking, even if the revised travel date extends beyond 31 October 2027. Any rebooking, including associated change fees or additional costs, must remain within the original S$10,000 prize value. If the revised cost exceeds the prize value, the same procedure in applies: the Reward Support Team will provide an itemized cost breakdown, and you may remove product(s) or pay the excess amount at your own expense under the same process.
    15. Other T&Cs to note: The Prize, whether wholly or in part, is non-transferable, non-exchangeable, non-refundable, non-redeemable for cash and cannot be used in conjunction with any other discounts including coupons and promo codes, cashback sites,loyalty programs, rewards, promotions, discounted items, and fixed-price items unless otherwise stated.
  15. With regard to the Prizes related to Michelin starred dining experience for 2 at Burnt Ends:
    1. This voucher is valid only at Burnt Ends Restaurant for lunch or dinner.
    2. Voucher is non-transferable, non-exchangeable, and holds no cash value.
    3. This voucher grants a dining experience for 2 + champagne by the glass on arrival at Burnt Ends.
    4. Any balance payment must be settled using a HSBC Credit or Debit Card.
    5. Voucher is valid till end of this year, 31 December 2026 and no extensions allowed.
    6. Voucher must be used in a single transaction. Any unused value will not be refunded or reissued as a voucher or cash.
    7. Burnt Ends is not responsible for lost, stolen, or damaged vouchers and no replacements or refunds will be provided in such cases.
    8. This voucher cannot be combined with any other offers, discounts, or promotions unless explicitly stated otherwise.
    9. E-voucher must be presented on the day of redemption.
    10. Reservations are required. Please email Justin in advance to make a reservation at [email protected]
    11. Advance reservation is required and subject to availability. Blackout dates may apply, including public holidays and major event periods.
    12. Burnt Ends reserves the right to modify or terminate this voucher program at any time without prior notice.
    13. HSBC is not the supplier of the products and/or services hereunder and shall not be liable for any loss, damage, expense, claim or costs suffered or incurred by the Eligible Cardholder or any other person in relation to or in connection with the same in any manner whatsover.
    14. By using this voucher, you agree to abide by these terms and conditions.
  16. With regard to the Prizes related to Michelin starred dining experience for 2 at Pangium:
    1. Advance reservation is required via the dedicated booking link with the unique redemption code.
    2. Redemption is only valid for dine-in on Thursdays to Saturdays and is valid till 31 March 2027.
    3. Reservations must be made at least 24 hours in advance and are subject to availability. Reservation window opens 30 days in advance.
    4. Redemptions are valid for up to a maximum of two complimentary set menus per table per bill.
    5. Redemption codes are valid for one-time use only and are strictly non-transferable.
    6. Restaurant cancellation policy applies, and the one-time use redemption code cannot be applied for subsequent bookings if reservations are cancelled after the cancellation cut-off time.
    7. Guests must present the redemption SMS for verification at the restaurant.
  17. With regard to the Prizes related to 2D1N staycation at Shangri-La Singapore Tower Wing Deluxe Room for 2 adults (inclusive of S$50 dining credits & breakfast for 2):
    1. The voucher is valid for six (6) months from the date of issue.
    2. The voucher is non-refundable, non-exchangeable for cash in part or in whole or used as rebates.
    3. To redeem the voucher, please indicate intent to use it at the time of booking and present the voucher upon arrival.
    4. Not applicable for blackout dates: eve of PHs, PHs, and special occasions.
    5. Not valid in conjunction with any other promotions, discounts, vouchers and privileges
    6. Strictly no extension after validity date.
    7. To make a Room Reservation, please email [email protected] with preferred stay dates within the validity period.
    8. Room reservations are subject to availability.
    9. Shangri-La Singapore reserves the right to change any terms and conditions without prior notice.
  18. With regard to the Prizes related to 2D1N staycation at COMO Metropolitan Singapore (inclusive of breakfast for 2 at COMO Cuisine & a complimentary welcome bottle of wine):
    1. The voucher is valid for one (1) night’s stay in the Cairnhill Room at COMO Metropolitan Singapore, inclusive of daily breakfast for two (2) at COMO Cuisine and a complimentary welcome bottle of wine.
    2. The voucher is valid till 31 March 2027.
    3. Please present its original voucher upon arrival.
    4. Advanced booking is required and is subject to availability. Extension of validity is not permitted.
    5. The last day for the stay period using the voucher is 31 March 2027.
    6. Blackout dates apply. Voucher is not valid during public holidays and the eve of public holidays, peak travel periods, festive seasons, special events, and other high-demand dates as determined by the hotel.
    7. The voucher must be used in a single visit and cannot be split into separate visits.
    8. The voucher cannot be stacked with other vouchers or used in conjunction with any other promotional packages.
    9. The voucher cannot be redeemed for cash, is non-transferable and cannot be replaced if lost.
    10. COMO Hotels and resorts reserve the right to select specific dates and room categories depending on the availability.
  19. In the event any Winner is uncontactable, fails to collect a Prize, and/or is determined by HSBC to be disqualified or otherwise ineligible to receive a Prize (each, an “Ineligible Winner”), the Prize will be forfeited by the Ineligible Winner. HSBC shall have the right to award the Prize to another Qualified Cardholder at our discretion.
  20. Each Eligible Customer may win a maximum of one (1) Prize (i.e. if a Eligible Customer is selected as a Winner of any given Prize, he/she shall not be eligible to be selected as a Winner of any other Prize). The Prizes are non-transferrable, non-redeemable for cash, non-assignable, non-exchangeable and non-replaceable; save that HSBC may, at its discretion, substitute a Prize with an item or items of equal or similar value. Winners are solely responsible for all federal, state, provincial and local taxes that may apply to the Prizes. In the event that a Winner elects not to collect or utilize all or any portion of a Prize, such Prize or portion thereof shall be deemed forfeited.
  21. Use of the Prize is subject to the terms and conditions of the merchant(s) providing the relevant products and/or services. Please refer to the relevant merchant(s) for details. We are not a supplier of the products and/or services provided by the merchant(s) involved in the Promotion and will not accept any liability in relation thereto.
  22. The Promotion is not valid in conjunction with other offers, campaigns, promotions, privileges and vouchers, which are concurrently held during the Promotional Period, except for the promotions stated below, or such other promotions as we may otherwise specify from time to time:
    • HSBC Credit Card Sign-up Gift Promotions
    • Indulge in the finest with HSBC Spend & Get Promotion 2026

    In other words, the same customer cannot receive the Prize under this Promotion, and any other reward, gift or account credit or promotional rate from other promotions, other than those which are stated above or as we may otherwise specify from time to time.

  23. Other general terms and conditions governing this Promotion apply. Please refer to the other terms and conditions set out under the section headed “General Terms and Conditions” for details. The Promotion-Specific Terms and Conditions and the General Terms and Conditions shall collectively be referred to as the “Promotional Terms and Conditions“.

B. General Terms and Conditions

  1. The HSBC Credit Card Terms, HSBC Account User Agreement and HSBC Online and Mobile Banking Terms (collectively, the “Product Terms“) will apply to govern the relevant products. In the event of any conflict or inconsistency between these Promotional Terms and Conditions and the Product Terms in respect of this Promotion, the Promotional Terms and Conditions shall apply to the extent of the conflict or inconsistency.
  2. Your Personal Data

    By participating in the Promotion and providing your personal information (such as your name, residential address, e-mail address and /or mobile number) (collectively, “your Personal Data“) to us, you agree and consent to us, our agents and their respective authorised service providers collecting, using, disclosing and/or sharing your Personal Data for the following purposes:

    1.   your participation in the Promotion (including facilitation of the fulfilment of rewards (if any));
    2.  our compliance with applicable laws, rules and/or regulations, requirements or requests issued by any legal, regulatory, government or tax authority having jurisdiction over us or a court of competent jurisdiction (including any tax reporting requirements); and
    3. such other purposes as set forth in our Data Privacy Policy.

    For more details on how we collect, store, use and share your Personal Data, please refer to our Data Privacy Policy which can be viewed at https://www.hsbc.com.sg/content/dam/hsbc/sg/documents/general/data-privacy-policy.pdf.

  3. We do not provide any tax, legal or accounting advice to you. You should seek professional advice if you are unsure about any tax or other obligations which you may have (such as reporting or filing requirements) arising from your participation in the Promotion.
  4. We shall be entitled to a reasonable period of time to process instructions and we may not complete a transaction on the same day of receipt of the customer’s application or instructions. We shall not be liable for any loss or damage resulting from any such delay in effecting instructions or transactions.
  5. We may determine in our reasonable discretion whether any given customer is eligible for this Promotion and/or whether such customer has met all of the relevant requirements under these Promotional Terms and Conditions.
  6. All transactions in a currency other than Singapore Dollars (“SGD“) will be notionally converted into SGD, at our prevailing exchange rate, to determine the transaction amount eligibility under this Promotion. The date on which the transaction is booked will be used for the purpose of determining the notional conversion rate into SGD for all transactions in a currency other than SGD. Where we are unable to provide a firm exchange rate quotation, we shall effect the transaction on the basis of a provisional exchange rate which shall be subject to adjustment when the actual exchange rate is ascertained and any resultant difference shall be debited/credited (as the case may be) to the customer through the originating account or any account that customer has with us or by such other means as determined by us. Foreign currency transactions are subject to risk of exchange rate fluctuation and exchange controls may apply to certain currencies from time to time. There may be a gain or loss when customers convert foreign currency. Customers are advised to make independent judgment with respect to any matter contained herein. For the avoidance of doubt, we shall not be liable for any delay in effecting such conversion, instructions or transactions.
  7. Our records in respect of the Promotion shall be conclusive and binding on you.
  8. We may revise these Promotional Terms and Conditions (including but not limited to varying the promotional mechanics under this Promotion or the Promotional Period), or withdraw or alter any part of this Promotion at any time, if it is reasonably necessary to:
    1.   reflect changes to our operational costs, business operations, systems and processes, our arrangements with third parties or industry or market conditions or practice;
    2.  give effect to applicable law, rule, regulation or change, requirement, order, notice, recommendation or guidance issued by any regulatory or governmental authority, stock exchange, or body having jurisdiction over us or a court of competent jurisdiction;
    3. align with standards or expectations on practices relating to banking and financial services, environmental, social and governance, consumer and investor protection, cyber, digital, technology, operational resilience or taxation; or
    4. otherwise protect our legitimate interests.

    The updates include amendments to:

    1. the Promotional Period;
    2. the eligibility criteria for the Promotion;
    3. the promotional rate or discount;
    4. the type of Gift;
    5. the redemption period or criteria for a Gift;
    6.  the limit to the number of Gifts available for redemption under the Promotion;
    7. the validity period of a Gift; and/or
    8. the merchant(s) providing the Gift.

    To the extent reasonably practicable, we’ll give you reasonable notice of any changes to these Promotional Terms and Conditions before such change takes effect. Notification of any such changes may be placed at our branches, published on our website, sent through email or mobile, or via any other method we think is reasonably appropriate.

    If you don’t agree with a change, you can cease to participate in this Promotion.

  9. Deposit Insurance Scheme
    Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
  10. These Promotional Terms and Conditions are not and should not be construed as an offer, recommendation or the solicitation of an offer to enter into any transaction or adopt any hedging or trading strategy, nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The information contained in this document is intended for Singapore residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any financial product in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. The specific financial objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as financial advice. You should carefully consider whether the financial product is suitable and read the relevant product information before purchasing such product. Any transaction that you decide to make will be one of your own choice and at your own risk.
  11. None and no part of these Promotional Terms and Conditions may be recorded, reproduced, shared, copied, stored or transmitted in any form or by any means, whether electronic, mechanical, photocopying, photographing, recording or otherwise without our prior written consent. These Promotional Terms and Conditions remain our property and all our rights are reserved.
  12. These Promotional Terms and Conditions are governed by the laws of Singapore and the parties submit to the non-exclusive jurisdiction of the courts of Singapore.