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  • OCBC - MightySavers Benefits
    have saved S 50 and collected 25 stickers on the sticker card visit an OCBC branch to redeem gifts Mighty Savers Notepad and badges Complete one sticker card and get a Mighty Savers notepad Collect more sticker cards and be awarded with special badges A PlayMoolah Lite version game account with the 1st completed sticker card View PlayMoolah video Bronze badge with the 3rd completed sticker card Silver badge with

    Original URL path: http://ocbc.com.sg/personal-banking/Accounts/mightysavers-highlight.html (2012-12-22)
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  • mightysavers-tncs
    Bank accounts shall be considered an Eligible Account a Young Savers Account to be opened by a Qualifying Child in his her sole name or in joint name with a parent or legal guardian b Passbook Savings to be opened by an Eligible Person in trust for a Qualifying Child c Statement Savings to be opened by an Eligible Person in trust for a Qualifying Child d School Savings Account to be opened by an Eligible Person in trust for a Qualifying Child In these terms and conditions Eligible Person means an individual of at least 21 years of age and Qualifying Child means an individual of not more than 15 years of age The Scheme will be available with effect from 23 February 2007 until such date as determined by OCBC Bank in its sole discretion the Scheme Period This Scheme is not applicable with any other scheme s or promotion s which OCBC Bank may organize from time to time Lost Card and Stickers sets may be replaced at any OCBC Bank branch upon payment of an administrative fee of S 5 or such other fee as determined by OCBC Bank in its sole discretion for a new card and 25 new stickers For the purposes of the Scheme all deposits into the Eligible Accounts shall be in fresh funds excludes funds transferred from existing OCBC Bank savings current or time deposit accounts All gifts shall be accepted on an as is basis OCBC Bank gives no representation or warranty whatsoever as to the quality merchantability or fitness for purpose or any other implied terms or conditions with respect to any gift Notwithstanding anything herein OCBC Bank shall not at any time be responsible or held liable for any defect or malfunction in any gift and or for any loss injury damage or harm suffered or incurred by or in connection with the use of any gift by any person All gifts and prizes are neither transferable nor exchangeable for cash credits or otherwise All gifts and prizes are also subject to the terms and conditions accompanying them if any OCBC Bank reserves the right at its discretion at any time without notice or assigning any reason therefor replace or substitute any gift under the Scheme with any other item of equal or similar value selected by OCBC Bank If OCBC Bank subsequently discovers that any person is in fact not eligible to participate in the Scheme or entitled to any gift OCBC Bank may at its discretion forfeit the gift s or reclaim it them if already awarded and award or dispose of it them in such manner and to such person persons as OCBC Bank deems fit OCBC Bank shall not be liable to any account holder or any other persons for any loss or damage arising in connection with the Scheme including without limitation any error in computing any chances any breakdown or malfunction in any computer system or equipment Without prejudice to the generality

    Original URL path: http://ocbc.com.sg/personal-banking/terms-and-conditions/mightysavers-tncs.html (2012-12-22)
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  • xmas-detail1
    to redeem one gift item of your choice from the above list Gift items are strictly on a first come first served basis and while stocks last Limited to the first 2 000 redemptions When to redeem Redemption is available from 10am to 9pm on the following dates 1 2 Dec 2012 8 9 Dec 2012 15 16 Dec 2012 22 25 Dec 2012 Where to redeem You may redeem

    Original URL path: http://ocbc.com.sg/personal-banking/Cards/xmas-detail1-full.html (2012-12-22)
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  • xmas-detail4
    from Fri to Sun at any VivoCity outlet Redeem your vouchers at the Customer Service Counter at Level 2 VivoCity Limited to the first 100 OCBC Credit Cardmembers per redemption day Redemption is limited to a maximum of S 30 worth of Mapletree vouchers per Cardmember per day on a first come first served and while stocks last basis Redemption is only valid on same day of purchase Charge slips

    Original URL path: http://ocbc.com.sg/personal-banking/Cards/xmas-detail4-full.html (2012-12-22)
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  • xmas-detail2
    other shoppers to OCBC Credit Debit Card from 23 Nov to 14 Dec 2012 and redeem a pass for 4 to watch this 30 min musical showcasing a celebration of lights music and dance Redemption is on a first come first served and while stocks last basis Sparkle up your Christmas 9 Nov to 31 Dec 2012 Spend a min of S 30 in a single receipt at VivoCity and stand to win the grand prize of an SK Jewellery 1 7ct Solitaire Diamond Ring worth S 35 000 or one of the 10 consolation prizes worth S 1 600 each Charge to your OCBC Credit Debit Card and enjoy double chances of winning To participate SMS your entries in the following format to 8302 3636 by 31 Dec 2012 Name space NRIC space Email Address space Store Name space Purchase Amount space OCBC e g Jenny Ong S7654321A jennyong yahoo com sg Giant S 223 80 OCBC Charge slips must be kept for verification Free Christmas Gift Wrap Set with Purchase 1 24 Dec 2012 Charge a min of S 150 S 200 for all other shoppers to your OCBC Credit Debit Card and redeem a specially designed Christmas

    Original URL path: http://ocbc.com.sg/personal-banking/Cards/xmas-detail2-full.html (2012-12-22)
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  • OCBC Elite World Card
    OCBC Singapore Home Accounts Cards Loans Insurance Investments Premier Banking OCBC Elite World Card Personal Banking Cards Elite World Card Privileges Highlights Privileges Assurances Elite World Insider Travel Golf Lifestyle Hotline 1800 PREMIER 773 6437 Conditions of Access Security Privacy

    Original URL path: http://ocbc.com.sg/personal-banking/cards/elite-privileges.html (2012-12-22)
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  • OCBC Elite World Card
    China Help Support OCBC Singapore Home Accounts Cards Loans Insurance Investments Premier Banking OCBC Elite World Card Personal Banking Cards Elite World Card Assurances Highlights Privileges Assurances Hotline 1800 PREMIER 773 6437 Conditions of Access Security Privacy Copyright 2004 2012

    Original URL path: http://ocbc.com.sg/personal-banking/cards/elite-assurances.html (2012-12-22)
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  • OCBC - Cardmembers Agreement
    account denominated in Singapore dollars We reserve the right to reject an application for a Balance Transfer in its entirety and or approve only part of an Applied Balance Transfer Amount such approved amount shall be referred to as the Balance Transfer Amount at our absolute discretion and without assigning any reason therefor All Balance Transfer applications shall be irrevocable on and after the date of therelevant approval letter issued by us the Approval Letter 6 3 BALANCE TRANSFER ACCOUNT We may on our approval of each Balance Transfer application open an account in your name the Balance Transfer Account and charge and debit the Balance Transfer Amount to from such Balance Transfer Account on the date of the Approval Letter or such later date as determined by us In respect of each Balance Transfer we shall charge and debit the relevant Balance Transfer Account an interest or finance charge calculated during the promotional tenure the Tenure specified in the application for such Balance Transfer at the applicable annual interest rate at the time of such transfer as stated in its application or any other rate determined by us from time to time at our sole discretion the Promotional Balance Transfer Rate and after the Tenure at the prescribed rate applicable to your Card Account s on a daily basis on such outstanding Balance Transfer Amount from the date such Balance Transfer is charged and debited to from such Balance Transfer Account until the date of payment thereof is made in full The interest paid on the BT Facility is not refundable whether the BT Facility is terminated at any time by you or us including any termination of the Card Account or whether the BT Facility is fully repaid by you anytime You shall be fully liable to us for any and all amounts charged to and or debited from your Balance Transfer Account s For the avoidance of doubt the Promotional Balance Transfer Rate is not applicable to any existing or subsequent charge s in relation to Card Transaction s incurred or posted to your Card Account OCBC under the OCBC Rewards Programme Robinsons under the Robinsons Rewards Programme NTUC Linkpoints under the NTUC Loyalty Rewards Programme and any other loyalty or reward points under any other loyalty or reward programmes will not be awarded for Balance Transfers 6 4 LIABILITY TO MAKE PAYMENTS If approved the Balance Transfer Amount shall be credited directly into the account stated in the Balance Transfer application form maintained by you You shall continue to make payments on any Other Card Credit Line Account s for which you have made a Balance Transfer application until the relevant Card CreditLine is successfully credited We shall not be liable for any overdue payment or interest or any other fees costs expenses whatsoever and howsoever incurred on such Other Card Credit Line Account s 6 5 TREATMENT OF BALANCE TRANSFER AMOUNT Each Balance Transfer Amount charged to and debited from any Balance Transfer Account s will be treated in the same manner as a charge arising from a Card Transaction in respect of a Card Account under this Agreement and will be reflected in your monthly statement issued by us for your Balance Transfer Account s and payable by you in accordance with the terms of this Agreement 6 6 REDUCTION OF CREDIT LIMIT OF CARD ACCOUNT The Credit Limit of your Card Account shall be reduced by an amount equivalent to the total outstanding Balance Transfers in your Balance Transfer Account s from time to time Notwithstanding the foregoing you shall pay us on demand the amount if any by which the aggregate of the outstanding balance on your Card Account and the total outstanding Balance Transfers exceeds the Credit Limit of your Card Account 6 7 BALANCE TRANSFER FACILITY FEES A non refundable processing fee on the Balance Transfer Amount at a rate as determined by us at our discretion will be charged to and debited from the Balance Transfer Account regardless whether the BT Facility is terminated at any time by you or us for each successful Balance Transfer 6 8 TERMINATION OF BALANCE TRANSFER FACILITY Notwithstanding anything in this Agreement we reserve the right to terminate the BT Facility and any Balance Transfer Account s without prior notice and without assigning reason therefor and you shall forthwith on demand repay all monies owing under the affected Balance Transfer Account s 6 9 VARIATION OF INTEREST RATES OF BALANCE TRANSFER FACILITY We may vary the interest rate chargeable and the basis of calculation of interest at any time at our discretion without any notice and without giving any reason therefor 7 CASHWISE FACILITY You may at any time apply for the OCBC CashWise Facility the CashWise Facility subject to this Agreement and any other rules procedures or instructions which we may issue from to time 7 1 ELIGIBILITY FOR CASHWISE FACILITY Application for the CashWise Facility may be made by any Principal Cardmember whose Card Account is in good standing as determined by us We may reject an application for the CashWise Facility in its entirety and or approve only part of the requested amount at our discretion without assigning any reason therefor Each application for the CashWise Facility is subject to a minimum amount specified by us to be applied for under the CashWise Facility and ii the amount applied for and the interest to be charged thereon not exceeding the available credit limit of your Card Account less the Processing Fee as defined below at the time of the application for the CashWise Facility 7 2 APPROVAL OF CASHWISE FACILITY Upon approval of the CashWise Facility whether in whole or in part the amount approved the Approved Funds Transfer Facility Amount shall be credited into a Singapore dollar denominated bank account held by you as specified in your application Upon approval of the CashWise Facility your Credit Limit shall be reduced by the Aggregate Instalment Amount as defined below Upon your payment of a Monthly Instalment Amount your reduced Credit Limit may at our discretion be increased by such amount corresponding to the amount paid pursuant to such Monthly Instalment Amount 7 3 PAYMENT INTEREST FEES AND CHARGES FOR CASHWISE FACILITY A non refundable processing fee the Processing Fee on the Approved Funds Transfer Facility Amount at a rate as determined by us at our discretion will be charged to and debited from the Card Account regardless whether the CashWise Facility is terminated at any time by yourself or us for each successful application Interest on the CashWise Facility calculated at such rate specified by us from time to time shall be payable on the Approved Funds Transfer Facility Amount The interest payable shall be aggregated with the Approved Funds Transfer Facility Amount the Aggregate Instalment Amounts to determine the amount s payable for each monthly instalment the Monthly Instalment Amount based on the number of monthly instalments indicated on your application The first Monthly Instalment Amount shall be charged to and debited from the Card Account when the CashWise Facility is approved Each subsequent Monthly Instalment Amounts will be debited on or about the same day in each following month until the Aggregate Monthly Instalments have been completely debited to the Card Account An administrative fee of S 100 or at such rate as we may determine may be imposed at our discretion if the CashWise Facility is terminated whether arising from the termination of your Card Account or otherwise or if a prepayment of any amount under the CashWise Facility is made The administrative fee shall be charged to and debited from the Card Account The interest paid on the CashWise Facility is not refundable whether the CashWise Facility is terminated at any time by you or us including any termination of the Card Account or whether the CashWise Facility is fully repaid by you anytime before its maturity 7 4 TREATMENT OF CASHWISE FACILITY Each of the Monthly Instalment Amounts the balance of the Aggregate Monthly Instalments and any fees and charges under the CashWise Facility charged to and debited from the Card Account shall be deemed as a charge arising from and be payable by you as a Card Transaction under this Agreement and if any such sum s debited to your Card Account is not paid in full when due you shall pay the finance charges interest and fees on the outstanding amounts at the prevailing rate 7 5 TERMINATION OF CASHWISE FACILITY Notwithstanding anything in this Agreement we reserve the right to terminate the CashWise Facility without prior notice and without assigning reason therefor and you shall forthwith on demand repay all monies owing under the CashWise Facility 7 6 VARIATION OF INTEREST RATES OF CASHWISE FACILITY We may vary the interest rate chargeable and the basis of calculation of interest at any time in our sole discretion without any notice and without giving any reason therefor 8 TERMINATION OF USE OF CARD AND CARD ACCOUNT 8 1 OUR RIGHT TO TERMINATE We may suspend or terminate your Card and or Card Account s at any time 8 2 YOUR RIGHT TO TERMINATE The use of any or all Cards may be terminated by the Principal Cardmember and the use of any Card issued to any Supplementary Cardmember may be terminated by that Supplementary Cardmember in each case by giving written notice thereof to us 8 3 OBLIGATIONS UPON TERMINATION Upon the termination of your Card Account s for whatever reason you shall return such Card to us cut in pieces and notwithstanding such termination any use of the Card or the PIN of a Card whether or not by you before it is returned to us shall be deemed to be use of the Card or the PIN by you 9 LIABILITY OF CARDMEMBERS 9 1 LIABILITY OF PRINCIPAL CARDMEMBER If you are the Principal Cardmember you are liable for and must pay us on demand the outstanding balances whether incurred by you or the Supplementary Cardmembers on your Card Account s including all sums and charges effected or debited to any and all Card Accounts in accordance with this Agreement whether before or after the termination of the use of any Card or Cards You are jointly and severally liable with each Supplementary Cardmember for such part of the outstanding balance in connection with his her Supplementary Card 9 2 LIABILITY OF SUPPLEMENTARY CARDMEMBERS The Supplementary Cardmember is liable for and must pay us on demand for such part of the outstanding balance in connection with his her Supplementary Card including all sums and charges debited by us to any Card Account in accordance with this Agreement in respect of Card Transactions effected by the use of the Card issued to that Supplementary Cardmember and or the PIN of such Card or the PIN issued to that Supplementary Cardmember including the amount of all interest and other charges debited to the Card Accounts which are attributed to those Card Transactions or any of them which remain outstanding or unpaid 9 3 LIABILITY OF EACH CARDMEMBER The liability of the Principal Cardmember and a Supplementary Cardmember in respect of any Card or Card Account under any of the provisions of this Agreement shall be joint and several and the liability of each and all Supplementary Cardmembers under any of the provisions of this Agreement shall be separate Any invalidity unenforceability release or discharge of the liability of the Principal Cardmember or any Supplementary Cardmember to us shall not affect or discharge the liability of the other cardmembers to us 9 4 INTEREST FINANCE AND LATE PAYMENT CHARGES If payment is not made in full by the payment due date of any Billing Statement an interest or finance charge calculated at such rate per annum as we may determine on a daily basis subject to a minimum monthly charge of 2 50 or such other sum as may be determined by us shall be imposed on all transactions in both the current Billing Statement as well as the next month s Billing Statement from the transaction date until the date full payment is made No interest or finance charge will be imposed if payment is received in full by the payment due date and there is no balance carried forward from the previous Billing Statement Interest accrued on the Card Account will be capitalised and debited from the Card Account at the end of each calendar month or on such other day or days that we may determine All interest or finance charges due under the Card Account shall be payable as well after as before judgment at such rate s per annum as we may determine from the payment due date up to and including the date of actual payment 10 EXCLUSIONS AND EXCEPTIONS 10 1 CARD AND PIN We are not liable in any way should your Card or PIN be rejected by a merchant or any terminal used to process Card Transactions or if we refuse for any reason to authorise any Card Transaction for any malfunction defect or error in any terminal used to process Card Transactions or of other machines or system of authorisation whether belonging to or operated by us or other persons or the inability of any terminal machine or system to accurately properly or promptly transmit process or store any data for any delay or inability on our part to perform any of our obligations under this Agreement because of any electronic mechanical system data processing or telecommunication defect or failure Act of God civil disturbance or any event outside our control or the control of any of our servants agents or contractors for any damage to or loss or inability to retrieve any data or information that may be stored in your Card or any microchip or circuit or device in your Card or the corruption of any such data or information howsoever caused i for any loss theft use or misuse of the Card or disclosure of your PIN and or any breach of this Agreement ii for any fraud and or forgery perpetrated on us or any merchant iii for any injury to your credit character and reputation in relation to our repossession or our request for the return of the Card or your use of the Card for the interception by or disclosure to any person whether unlawful or otherwise of any data or information relating to you any Card Transaction or your Card Account transmitted through or stored in any electronic system or medium howsoever caused and or for any delay inability or failure by us to perform any of our obligations under or pursuant to this Agreement caused or contributed in any way by any one or more of the events or occurrences set out in this Clause 10 2 PROBLEMS WITH GOODS AND SERVICES We are not liable in any way should you encounter any problems with the goods and services that you obtain through the use of your Card In spite of the on delivery or non performance defects in any such goods and services you shall pay us the full amount shown in the Billing Statement If you have any complaint against a merchant you shall resolve such dispute with such merchant Any such dispute is between you and the merchant and we shall not be deemed to be a party to such dispute We shall not be liable or responsible for the quantity quality merchantability fitness for purpose or any other aspect of the goods and services supplied by a merchant to you or in respect of any contract or transaction entered into by such merchant with you connected with the use of the Card 11 INSTALMENT PAYMENT PLAN If you have applied to participate in the OCBC Instalment Payment Plan the Plan you authorise agree undertake with us as follows You authorise us to pay to the relevant merchant for your purchase of the relevant goods services in such manner as may be agreed between the merchant and us and to debit your Card Account for the purchase price of the goods and services in the number of instalments indicated on the receipt containing details of the Plan We have the discretion to determine the size of each instalment payment as long as the total instalment payments do not exceed the purchase price The first instalment payment will be debited immediately from your Card Account when you purchase the goods and services Each subsequent instalment payment will be debited on or about the same day in each following month until the purchase price has been completely debited to the Card Account You agree that the credit limit related to your Card Account will be reduced by such portion of the purchase price that is unpaid although the same may not be posted to your Card Account as yet If any instalment payment debited to your Card Account is not paid in full when due you must pay us the finance charges interest and fees on the outstanding amounts at our prevailing rate We may at our discretion and without notice to you debit the whole balance of the purchase price then outstanding to your Card Account at any time in which case such balance will be immediately due and payable by you We may at our discretion impose an administrative fee at such rate as we may determine if the Plan is terminated whether arising from the termination of your Card Account or otherwise or if you make a prepayment of any amount under the Plan 12 CONCLUSIVENESS OF DOCUMENTS AND CERTIFICATES 12 1 CONCLUSIVE EVIDENCE Our records including electronic computer and microfilm stored records of all matters relating to the Card the Card Account and or of you and any certificate from us stating our liability to us as at any specified date shall be conclusive of their accuracy and authenticity and shall be

    Original URL path: http://ocbc.com.sg/personal-banking/Cards/cardmembers-agreement.html (2012-12-22)
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