Terms & Conditions
The Mastercard Traveler Rewards Program
The Mastercard Traveler Rewards Program (“Program”), is administered by Pinpoint Loyalty (Hong Kong) Ltd and its affiliates (collectively "Pinpoint") through an agreement with Mastercard, allows cardholders of Mastercard card1 issued in Hong Kong and Macau to earn Mastercard Traveler Rewards Dollars or accumulatevalid spend at ExclusiveParticipating Merchants (collectively the “Rewards”)for valid transaction (“valid spend”)made at a network of participating merchants in Hong Kong, Taiwan, Mainland China and Macau (“Participating Merchants”) in accordance with applicable terms and conditions. Rewardsmay be redeemed for available redemption options (“Redemption Options”)equivalent to 5% of any valid spend. Redemptions Options are offered from time to time. Program membership is free to you.
All holders of Mastercard cards issued in Hong Kong and Macau (“Mastercard card(s)”) (“Cardholders”) are eligible to register to participate in this Program. Registration can be done at www.mastercardrewards.hk or via the Program call center. By registering for the Program you are accepting the terms and conditions of the Program (“Terms and Conditions”). Once registered, you, as the Cardholder, will become a member of the Program (“Member”). These terms and conditions form a separate agreement between Mastercard and you in respect of the Program. Your participation as a Member in the Program may be terminated by you or by Mastercard at any time without reason.
How to Earn Rewards
The registered Mastercard cards must be used at the Participating Merchants to make payment for goods and services such that the transactions are made through the settlement network of Mastercard. There may be a processing interval of up to 3 days from the day you register to the day you can start earning Rewards.
“Multi-Card Linking” means Members can register their Mastercard cards and supplementary cards they own under one single Mastercard Traveler Rewards account. The Reward Dollars or valid spend at ExclusiveParticipating Merchants from individual Mastercard card or supplementary card will subsequently be combined in one Mastercard Traveler Rewards account.
There are 2 types of Participating Merchants where you can earn Rewards, but the Redemption Options are different at these types of Participating Merchants.
(1) General Participating Merchants (“General Merchants”):“General merchants” refers to all participating merchants including online merchants, but excludesExclusiveParticipating Merchants. Reward Dollars earned through valid spend at theseGeneralMerchants can be redeemed for a range of Redemption Options that can be viewed at www.mastercardrewards.hk.
(2) Exclusive Participating Merchants (“Exclusive Merchants”):Valid spendat these ExclusiveMerchants can only be redeemed for Redemption Options from these Exclusive Merchants.
The network of Participating Merchants and the available Redemption Optionsmay change over time without notice. You may not rely on the continued participation of any Participating Merchant or the availability of any Redemption Option. Please visit our website at www.mastercardrewards.hk for the most updated program details. Rewards can only be earned when payment is made directly by the Member to a Participating Merchant. Rewards are not earned when payment to a Participating Merchant is made indirectly via a 3rd party (for example where travel is booked and paid for through a travel agent rather than directly with a Participating Merchant). To earn Rewards for shopping at onlinemerchants with this icon () at www.mastercardrewards.hk, there are two prior steps: you must have logged in to this website, and you must have clicked on thespecific link in this website to reach the merchant’s website.
There is no limit to the Rewards that a Member can earn using a registered Mastercard card, except for special earnings rules imposed by the Participating Merchant where your card is used. Participating Merchants’ earning rules can be viewed at www.mastercardrewards.hk. These earning rules may be altered at any timewithout notice. In calculating the 5% rewards, any taxes or freight costs will be excluded from the total valid spendvalue. Reward Dollars or valid spend for Exclusive Merchants are deducted from a Member's Mastercard Traveler Rewards account balance if there is a transaction refund on a previously qualifying transaction made at the Participating Merchant.
Rules for Redemption of Reward Dollars
Members may check their account balance at www.mastercardrewards.hk and will be informed by the Program that a Redemption Option is available at www.mastercardrewards.hk when the value of a Redemption Option: (a) for earnings at General Merchants, reaches the equivalent of 20 Reward Dollars (which can be earned through accumulated US$400 or HK$3,000 of valid spend), or (b) for valid spendat Exclusive Merchants, reaches the amount determined by that Exclusive Merchant.
Should a qualifying transaction involve a currency conversion at a Participating Merchant, your qualifying transaction will be calculated based on Mastercard’s currency exchange rate on the day of awarding. For available Redemption Options through General Merchants, Members will be advised of a specific period of time (90 days) to redeem Rewards after which the Reward Dollars expire. Other than where specified otherwise, all other unredeemed Reward Dollars will expire (a) at the end of the next calendar year from the year these Reward Dollars are earned (for example, Reward Dollars earned in June 2013 would expire on the 31st day of December, 2014), or (b) immediately upon termination of the Program or a Member's participation in the Program.
Redemptions for General Merchants may only be done at www.mastercardrewards.hk and not directly with any General Merchant.
Valid spend at Exclusive Merchants will earn Rewards only redeemable for gift vouchers at the same Exclusive Merchant upon reaching designated valid spending amount set by the Exclusive Merchant. Please refer to each Exclusive Merchant’s redemption terms and conditions. Please refer to Reward session for latest reward details.
Once a redemption has been submitted it cannot be changed or revoked and the corresponding Mastercard Traveler Rewards account will be deducted instantly although it may take up to 24 hours for the redemption to appear in your online transaction summary. Any tax implications of the redemption will be the Member's responsibility. Mastercard does not make any warranties in relation to the qualities of gift vouchers, products, or services provided by the Participating Merchants.
Should a Redemption Option cause a Mastercard card associated with a Member's rewards account or a designated Mastercard account to become negative, Mastercard, or a designee of Mastercard, is entitled to reclaim the redeemed reward from the Member.
Mastercard shall be under no liability with respect to administration of the Program, including: (a) if the Reward Dollars earning is affected by any misuse of merchant code by the acquirer or the Participating Merchant, (b) if a Participating Merchant fails to pay any agreed contribution for Reward Dollars or (c) any actions or inactions taken or not taken by Pinpoint. If a Participating Merchant does not fund their Rewards, Mastercard may deduct these Reward Dollars from a Member's Mastercard Traveler Rewards account.
To the extent permissible by law, Mastercard may without prior notice add to, delete from or otherwise amend these Terms and Conditions. Mastercard may also without prior notice terminate the Program at any time. Mastercard’s interpretation of these Terms and Conditions, as well as its decisions with respect to any matter related to the Program, are final and binding on all Members without prior notice. Your continued use of the Program on or following the effective date of any changes to these Terms and Conditions constitutes your acceptance to such amended terms and conditions.
Reward Dollars have no cash value, cannot be exchanged for money, sold, or used to pay off any credit card bill or related transactions. By participating in the Program, a Member does not acquire any ownership or other interests in a Program account. Any Reward Dollars earned by a Member shall be non-transferable and non-tradable.
These Terms and Conditions are governed by New York law. If any dispute arises in relation to these Terms and Conditions, such dispute shall be subject to the exclusive jurisdiction of the Courts/Tribunals of Hong Kong as the court for the first instance.
This Program does not contradict or overlap any other promotional programs conducted by Mastercard unless expressly restricted by prevailing terms and conditions.
These Terms and Conditions are made in both Chinese and English. Should there be any discrepancies in the Chinese and English versions, the English version shall prevail.
You consent to Mastercard and Pinpoint using and processing the personal information for the purpose of analysing all transactions made by registered Mastercard branded cards under its Program to calculate Rewards, matching the transaction data to Participating Merchants for the purposes of calculating and allocating the Rewards, providing relevant program information to cardholders and improving the Program. Your personal information will be disclosed and transferred by Mastercard to other Mastercard entities and Pinpoint for the abovementioned purposes.
If you provide personal information to Participating Merchants via their website or use the functionality of the Participating Merchants’ website, any collection, use or processing of the personal information by the Participating Merchant will be subject to the Participating Merchants’ terms and conditions and privacy policies. Please read those terms and conditions and policies carefully.
You may access your profile and update your personal information through the My Account page. Otherwise, you may request access to or correction of your personal data, or otherwise make enquiries about your personal information, by contacting us.
You also agree to receive Program update email communications.