APPLICATION TERMS & CONDITIONS

 

DBS Supplementary Card Application Terms and Conditions:

  1. By making an application to DBS Bank (Hong Kong) Limited (“Bank”, which expression shall include its successors and assigns) for the DBS Supplementary Card (“Card”), you are deemed to have read and accepted these terms and conditions and shall be bound by them.
  2. Use of the Card shall be subject to the DBS Credit Card Terms and Conditions and any terms and conditions applicable to the use of any related services (such as Internet Account, “Call-a-loan’ Service and Balance Transfer) which you have applied or may apply to use. Copies of such terms and conditions are available on request from the 24-hour Customer Services Hotline at 2290 8888 or from the Bank’s website at www.dbs.com/hk or at any branches of the Bank.
  3. You declare and warrant to the Bank that the information provided in the application for the Card and all the supporting documents are true, correct and complete. You hereby authorise the Bank to verify your information contained in the application and any supporting documents from any source that the Bank may deem appropriate. The information you have provided to the Bank in the application is required and will be used by the Bank to assess your application for the Card and provide ongoing services to you. Failure by you to provide any such required information to the Bank may result in your application for the Card to be rejected.
  4. You agree that the DBS Bank Group Data Policy Notice for Hong Kong Operations in force from time to time together with any other notices and communications concerning your data issued by the Bank from time to time (“Data Policy”) shall apply to all information related to you that you have provided to the Bank in the application for the Card or that the Bank has obtained from any other sources or that arises from your relationship with the Bank or any other DBS Group company (“Data”). You are deemed to have read and understood the Data Policy and you agree that the Data Policy shall form part of the DBS Credit Card Terms and Conditions. Copies of the Data Policy are available on request from the 24-hour Customer Services Hotline at 2290 8888 or from the Bank’s website at www.dbs.com/hk or at any branches of the Bank. Your Data may be used for such purposes and disclosed to such persons (whether in or outside Hong Kong) in accordance with the Data Policy. You hereby agree, in particular, that the Bank may: (a) verify, provide and collect information about you from other organisations, institutions or other persons; (b) transfer the Data outside Hong Kong SAR including to Singapore; (c) compare your Data with any data the Bank has obtained and use the results for taking of any action including actions that may be adverse to your interests (including declining the application for the Card); and (d) provide your Data to credit reference agencies, or, in the event of default, to debt collection agencies.
  5. You understand that you have the right to: (a) request to be informed which items of Data are routinely disclosed to credit reference agencies or debt collection agencies; (b) request to be provided with further information to enable an access and/or correction request to be made to the relevant credit reference agency or debt collection agency; and (c) ask the Bank to request the relevant credit reference agencies to delete your consumer credit data upon termination of the credit card account if there is no payment default for a period in excess of 60 days on the account within 5 years immediately before the termination of the account. If there is any payment default, unless the amount in default is fully repaid or written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, you are liable to have your consumer credit data retained by the relevant credit reference agencies for a period of up to 5 years from the final settlement date of the default amount. In the event any amount in the credit card account is written off due to a bankruptcy order being made against you, you are liable to have your consumer credit data retained by the relevant credit reference agencies, regardless of whether there is payment default for a period in excess of 60 days on the account, for a period of up to 5 years from the final settlement date of the default amount or 5 years from the date of discharge of your bankruptcy as notified to the credit reference agency, whichever is earlier.
  6. The annual fee chargeable for each supplementary card issued is: Platinum Card: HK$750; The DBS Black Card: HK$900; Gold Card: HK$275; Classic Card: HK$150. The annual fee for supplementary card will be charged or waived with its principal card. For example, if principal cardholder enjoys perpetual annual fee waiver, its supplementary card will enjoy the same offer. Perpetual annual fee waiver is only applicable to existing DBS Treasures customers. The Bank reserves the right to terminate the annual fee waiver should the customer close his/her DBS Treasures Account.
  7. The current annualized percentage rate (“APR”) applicable for calculating any finance charge is as follows:
      Platinum Card/Gold Card/Classic Card /
    The DBS Black Card
    Cash Advance 38.11%
    Retail Transaction 36.07%
    The Bank reserves the right to revise the APRs from time to time with prior notice.

Highlights of DBS Credit Card Terms and Conditions:

You must read the entire DBS Credit Card Terms and Conditions carefully. Your attention is drawn to the following key terms and conditions.
  1. Immediately after you receive a Card, please review the DBS Credit Card Terms and Conditions and if you accept it, please (i) complete the Card acknowledgment/activation procedure; and (ii) sign the back of the Card without delay.
  2. You must keep your Card securely and ensure that your PIN is not disclosed to any other person. You must take all reasonable steps to keep your Card safe and your PIN secret and to help prevent fraud.
  3. Should you discover that your Card or PIN is lost, stolen or used in an unauthorised way, you must notify us as soon as reasonably practicable upon discovery of the loss, theft or unauthorised use.
  4. Provided that you have not acted fraudulently or with gross negligence and you have not failed to inform us of the loss, theft or unauthorised use of your Card and/or the PIN, you shall not be liable for any unauthorised transactions (except cash advances). If you have acted fraudulently or with gross negligence, then you shall be liable for all unauthorised transactions.
  5. You shall be liable for all transactions effected or authorised through the use of the Card. If there is a Supplementary Card, you are jointly and severally liable with the Supplementary Cardholder for such part of the outstanding balance in connection with the Supplementary Card. The Supplementary Cardholder is liable, jointly and severally with you, only for such part of the outstanding balance as relates to the use of his/her Supplementary Card.
  6. On or before the payment due date in each month, you must pay us the statement balance in full or at least pay the minimum payment as specified in any monthly statement in accordance with the Fee Schedule or any other notice. If you fail to pay the minimum payment on the payment due date as specified in any monthly statement, then your Card Account will be regarded as in a delinquent status and a late fee and a finance charge will be charged.
  7. You agree to examine each Card Account statement received from us and to notify us of any alleged error or omission within 60 days after such statement was provided. After such 60-day period, such statement shall be deemed accepted and conclusively settled and no claim to the contrary by you shall be admissible.
  8. We may (where the circumstances are considered reasonable) at any time suspend, withdraw, cancel or terminate your right to use the Card, Card Account and/or any related services offered. You may terminate your Card and Card Account at any time by giving us notice. Upon the termination of your Card and Card Account, all outstanding debit balances shall become immediately due and payable.
  9. We shall be entitled at any time and without notice to you, to combine or consolidate any credit balance on any of your accounts maintained with us (whether matured or not) with the settlement of any debit balance on your Card Account and to set off any such credit balance against any such debit balance.
  10. If you report an unauthorized transaction to us before the payment due date, you may withhold payment of the disputed amount during the investigation period.
  11. We may, at our discretion, appoint debt collection agents and/or lawyers for collection of any moneys owing by you to us or for enforcement of any of our rights against you hereunder. You shall indemnify us on demand in respect of all collection costs and expenses that we reasonably incur. The total collection costs to be recovered shall in normal circumstances not exceed 30% of the amount owing by you to us.


Data Policy Notice (Effective from 1 APRIL 2013)

This Notice sets out the data policies of DBS Bank Ltd and all its direct and indirect subsidiaries in the Hong Kong Special Administrative Region (“Hong Kong”), save and except for DBS Vickers (Hong Kong) Limited, (each a “Company”). For the avoidance of doubt, this includes DBS Bank (Hong Kong) Limited. The provisions of this Notice form part of the account terms and conditions and/or the agreement or arrangements that a data subject enters into with the Company. If any inconsistency is found, the provisions of this Notice shall prevail.

For the purposes of this Notice, “DBS Group” means DBS Bank Ltd and its branches, holding company, representative offices, subsidiaries and affiliates (including branches or offices of such subsidiary or affiliate).

References to “data subjects” in this Notice means the customers of the Company and various other persons, including without limitation, applicants for banking/financial services & facilities, sureties and persons providing security or guarantee or any form of support for obligations owed to a Company, shareholders, directors, corporate officers and managers, sole proprietors, partners, suppliers, contractors, service providers and other contractual counterparties supplying data (including personal data as defined in the Personal Data (Privacy) Ordinance (the “Ordinance”)) to the Company.

(a)

From time to time, it is necessary for data subjects to supply the Company with data in connection with various matters such as the opening or continuation of accounts, the establishment or continuation of banking facilities, the provision of banking and other financial services, or the provision of supplies or services to the Company and data subjects.

(b)

Failure to supply such data may result in the Company being unable to open or continue accounts or establish or continue banking facilities or provide banking or other financial services, or accept or continue with the provision of supplies or services.

(c)

It is also the case that data are collected from data subjects in the ordinary course of the continuation of the relationships with them, for example, when data subjects write cheques, deposit money or give instructions.

(d)

The purposes for which data relating to a data subject may be used will vary depending on the nature of the data subject's relationship with the Company. Broadly, they may comprise any or all of the following purposes:

(i)

processing of applications for banking and/or other financial services and facilities;

(ii)

operation of the services and credit facilities provided by or to the Company or to data subjects;

(iii)

provision of reference (status enquiries);

(iv)

conducting credit and other status checks;

(v)

assisting other financial institutions to conduct credit checks and collect debts;

(vi)

ensuring ongoing credit-worthiness of data subjects;

(vii)

researching and/or designing financial services or related products for data subjects' use;

(viii)

marketing services, products and other subjects (please see further details in paragraph (h) below;

(ix)

operating internal controls including determining the amount of indebtedness owed to or by data subjects;

(x)

performing treasury functions;

(xi)

provision of investment management services, dealing and advisory services, custody services and other services under the terms and conditions of the accounts a data subject holds with the Company;

(xii)

the enforcement of data subjects' obligations, including without limitation the collection of amounts outstanding from data subjects and those providing security for data subjects' obligations;

(xiii)

for operational purposes, credit assessment, credit scoring models or statistical analysis (including in each case, behaviour analysis and evaluation on overall relationship with the DBS Group which includes using such data to comply with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within DBS Group and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities), whether on the data subjects or otherwise;

(xiv)

complying with the obligations, requirements or arrangements for disclosing and using data that apply to the Company or any other member of DBS Group or that it is expected to comply according to:

(1)

any law binding or applying to it within or outside Hong Kong existing currently and in the future;

(2)

any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Hong Kong existing currently and in the future;

(3)

any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on the Company or any other member of DBS Group by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry bodies or associations;

(xv)

enabling an actual or proposed assignee of the Company or any other member of DBS Group, or participant or sub-participant of the rights of the Company or those of any other member of DBS Group in respect of the data subject, to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;

(xvi)

purposes specifically provided for in any particular service or facility offered by the Company. Such procedures include matching procedures (as defined in the Ordinance, but broadly includes comparison of two or more sets of the data subject's data, for purposes of taking actions adverse to the interests of the data subject, such as declining an application); and

(xvii)

all other incidental and associated purposes relating to any of the above, including seeking professional advices.

The Company keeps data only for as long as is reasonably required for the above purposes or as required by applicable law. This includes keeping, for as long as reasonably required, such data as required for handling enquiries relating to any of the above purposes.

(e)

Data held by the Company relating to a data subject will be kept confidential but the Company may provide such information to the following parties (whether within or outside Hong Kong) for any of the purposes set out in paragraph (d):

(i)

any member of DBS Group, agent, contractor or third party service provider (or a subsidiary, holding company or related company thereof) who provides administrative, telecommunications, computer, payment, debt collection or securities clearing, data processing or other services to the Company or any other member of DBS Group in connection with the operation of its business;

(ii)

any other person which has undertaken expressly or impliedly to the Company or any other member of DBS Group to keep such information confidential;

(iii)

any authorized institution (as such term is defined in the Banking Ordinance) or other authorised or regulated entity of similar nature in another jurisdiction with which the data subject has or proposes to have dealings;

(iv)

the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;

(v)

credit reference agencies, and, in the event of default, to debt collection agencies;

(vi)

any person to whom the Company or any other member of DBS Group is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to the Company or any other member of DBS Group, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which the Company or any other member of DBS Group are expected to comply, or any disclosure pursuant to any contractual or other commitment of the Company or any other member of DBS Group with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside Hong Kong and may be existing currently and in the future;

(vii)

any actual or proposed assignee of the Company or any other member of DBS Group, or participant or sub-participant or transferee of the rights of the Company or those of any other member of DBS Group in respect of the data subject; and

(viii)

(1)

any member of DBS Group;

(2)

third party financial institutions, insurers, card companies, securities and investment services providers;

(3)

third party reward, loyalty and privilege programme providers;

(4)

co-branding partners of the Company and any other member of DBS Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be);

(5)

charitable and non-profit making organisations; and

(6)

external service providers (including but not limited to professional advisers, mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, data processing companies, information technology companies and market research firms), that the Company engages for the purposes set out in paragraph (d)(viii).

(f)

For the purpose of (d)(iv) above, the Company may from time to time access and obtain consumer credit data of the data subject from a credit reference agency for reviewing any of the following matters in relation to the credit facilities granted: 

(i)

an increase in the credit amount;

(ii)

the curtailing of credit (including the termination of credit or a decrease in the facility amount); or

(iii)

the putting in place or the implementation of a scheme of arrangement with the data subject.

When the Company accesses consumer credit data about a data subject held with a credit reference agency, it must comply with the Code of Practice on Consumer Credit Data approved and issued under the Ordinance (the “Code”) and other relevant regulatory requirements.

(g)

Of all the data which may be collected or held by the Company from time to time in connection with mortgages, the mortgage account general data relating to data subjects (including any updated data thereof) may be provided by the Company to the credit reference agency.

Such mortgage account general data means the following data of the data subject: full name, capacity in respect of each mortgage (as borrower, mortgagor or guarantor), Hong Kong Identity Card or travel document number, date of birth, address, mortgage account number
in respect of each mortgage, type of facility in respect of each mortgage, mortgage account status in respect of each mortgage (e.g. active, closed, write-off), (if any) mortgage account closed date in respect of each mortgage.

The credit reference agency will use the mortgage account general data supplied by the Company for the purposes of compiling a count of the number of mortgages from time to time held by a data subject, as borrower, mortgagor or guarantor respectively, for sharing in the
consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code).

(h)

USE OF DATA IN DIRECT MARKETING
The Company intends to use the data subject’s data in direct marketing and the Company requires the data subject’s consent (which includes an indication of no objection) for that purpose. In this connection, please note that:

(i)

the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of the data subject held by the Company from time to time may be used by the Company in direct marketing;

(ii)

the following classes of services, products and subjects may be marketed:

 

(1)

financial, insurance, cards (meaning cards used to withdraw cash or pay for goods and services, including credit cards, debit cards, ATM cards, Cashline cards and stored value cards), banking and related services and products;

 

(2)

reward, loyalty or privilege programmes and related services and products;

 

(3)

services and products offered by the Company’s co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and

 

(4)

donations and contributions for charitable and/or non-profit making purposes;

(iii)

the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Company and/or:

(1)

any other member of DBS Group;

(2)

third party financial institutions, insurers, card companies, securities and investment services providers;

(3)

third party reward, loyalty or privilege programme providers;

(4)

co-branding partners of the Company and any other member of DBS Group; and

(5)

charitable or non-profit making organisations;

(iv)

in addition to marketing the above services, products and subjects itself, the Company also intends to provide the data described in paragraph (h)(i) above to all or any of the persons described in paragraph (h)(iii) above for use by them in marketing those services, products and subjects, and the Company requires the data subject’s written consent (which includes an indication of no objection) for that purpose;

(v)

the Company may receive money or other property in return for providing the data to the other persons in paragraph (h)(iv) above and, when requesting the data subject’s consent or no objection as described in paragraph (h)(iv) above, the Company will inform the data subject if it will receive any money or other property in return for providing the data to the other persons.


If a data subject does not wish the Company to use or provide to other persons his/her data for use in direct marketing as described above, the data subject may exercise his/her opt-out right by notifying the Company at any time and without charge. (To opt-out, please fill out the form below and return it to us.)

(i)

Under and in accordance with the terms of the Ordinance and the Code, any data subject has the right:

(i)

to check whether the Company holds data about him/her and access to such data;

(ii)

to require the Company to correct any data relating to him/her which is inaccurate;

(iii)

to ascertain the Company's policies and practices in relation to data and to be informed of the kind of personal data held by the Company; and

(iv)

in relation to consumer credit data (including data relating to mortgages) which has been provided by the Company to a credit reference agency:

(1)

to request to be informed which items of data are routinely disclosed to credit reference agencies or debt collection agencies;

(2)

be provided with further information to enable an access and correction request to be made to the relevant credit reference agency or debt collection agency; and

(3)

upon termination of the account by full payment, to instruct the Company to request a credit reference agency to delete any such data from its database, so long as the instruction is given within 5 years of termination and there has been no payment default in excess of 60 days in the 5 years immediately before account termination.

(j)

In the event of any default of payment relating to an account, unless the amount in default is fully repaid or written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, the account repayment data may be retained by the credit reference agency until expiry of 5 years from the date of final settlement of the amount in default. Account repayment data includes amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by the Company to a credit reference agency), remaining available credit or outstanding balance, and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of 60 days (if any)).

(k)

In the event any amount in an account is written off due to a bankruptcy order being made against the data subject, the account repayment data (as defined in paragraph (j) above) may be retained by the credit reference agency, regardless of whether the account repayment data reveal any default of payment lasting in excess of 60 days, until expiry of 5 years from the date of final settlement of the amount in default or expiry of 5 years from the date of discharge from bankruptcy as notified by the data subject with evidence to the credit reference agency, whichever is earlier.

(l)

The Company may obtain a credit report on or access the database of the data subject from a credit reference agency in considering any application for credit or conducting credit reviews from time to time. In the event the data subject wishes to access the credit report, the Company will advise the contact details of the relevant credit reference agency.

(m)

Data of a data subject may be processed, kept, transferred or disclosed in and to any country as the Company or any person who has obtained such data from the Company referred to in paragraph (e) above considers appropriate. Such data may also be processed, kept, transferred or disclosed in accordance with the local practices and laws, rules and regulations (including any governmental acts and orders) in such country.

(n)

The Company may charge a reasonable fee for the processing of any data access request.

(o)

Nothing in this Notice shall limit the rights of data subjects under the Ordinance.

(p)

I In accordance with the Ordinance, data subjects may make data access or data correction requests or request information regarding policies and practices and kinds of data held. Such requests should be addressed to:
The Data Protection Officer
DBS Bank Ltd., Hong Kong Branch / DBS Bank (Hong Kong) Limited
73/F The Center
99 Queen’s Road Central
Hong Kong
Facsimile: 2285 3868

(q)

In case of discrepancies between the English and Chinese versions, the English version shall prevail.

To opt-out from the Company using or providing your data to other persons for use in direct marketing, please fill out the form below and return it to us. Your request shall apply to all accounts (excluding sole proprietorship or partnership account(s) related to you) maintained by you at the Company. For sole proprietorship or partnership account(s), please complete separate form(s) and indicate the relevant account number(s).

April 2013

Date:________________
To: Opt out Request Processing Team, DBS Bank (Hong Kong) Limited, GPO Box 400, Hong Kong
Facsimile: 2806 5475
I do not wishthe Company to use my personal data in direct marketing / I do not wishto receive any direct marketing materials or messages from the Company via the following channel(s)* :
□ EMAIL, please provide Email Address(es):___________________
□ SMS, please provide Mobile Phone number(s):___________________
□ ALL CHANNELS (including Email, Mail, SMS, Phone)
* If you do not indicate your choice by ticking any of the above boxes, you are deemed to select “All channels”.
□ I do not wish the Company to provide my personal data to any other persons for their use in direct marketing, whether or not such persons are members of DBS Group. Except where I have applied for or will apply for any product or service that is provided by the Company jointly with a co-branded partner, I agree that this opt-out will not apply to such co-branded partner to whom I consent to provide my personal data.
FULL NAME#:_________________
ACCOUNT NUMBER#:___________________
# Please provide full name and full account number, otherwise we may not be able to locate your account record to update.
PARTIAL HKID/PASSPORT NUMBER, please provide first 5 letters/numbers (e.g. A1234):______________
CONTACT NUMBER:________________
(Note: We will only contact you if it is necessary for the processing of your opt out request.)
CUSTOMER’S SIGNATURE:______________________
The above options represent your present choice of whether or not to receive direct marketing contact or information. This replaces any choice previously communicated by you to the Company. Please note that your above choice applies to the direct marketing of the classes of products, services and/or subjects as set out in the Data Policy Notice attached to this form. Please also refer to the Notice on the kinds of personal data which may be used in direct marketing and the classes of persons to which your personal data may be provided for them to use in direct marketing.

 

Data Policy | Condition of Use
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