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Plus Points Terms and Conditions
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- The Program
The Plus Points
Program (“the Program”) allows eligible Emirates Bank
Credit Cardholders (“Cardholder/s”) to accumulate points
(“Plus Points”) from spending on their Generic Emirates
Bank VISA and/or MasterCard Credit Card (“Emirates Bank
Card/s”). The cards eligible for Plus Points earning
will be as determined by the bank from time to time.
- Eligibility
2.1 The following is the
list of Emirates Bank Cards which are currently eligible
to earn Plus Points:
- Emirates Bank VISA Infinite Credit Card
- Emirates Bank VISA Platinum Credit Card
- Emirates Bank MasterCard / VISA Gold Credit Card
- Emirates Bank MasterCard / VISA Silver Credit Card
- Emirates Bank DIC Credit Card
Exclusions: i) Cards issued as Corporate Cards
ii) Cards issued under promotions which exclude rewards
earning.
The Bank has the right to include / exclude any card
into / from Plus Points at any time with/without prior
notice to the Cardholder.
2.2 In order to benefit from Plus Points, the Emirates
Bank Card must be valid and in good standing as per the
criteria and standards applied by the Bank from time to
time. The Cardholder’s acceptance of the terms and
conditions outlined hereinafter shall be deemed
satisfied upon redemption of his/her Plus Points.
2.3 The Points earned by the Supplementary Cardholder
will accrue to the account of the Primary Cardholder.
- Enrollment
3.1 Participation in
the Program is automatic and free on subscribing to the
Emirates Bank Card.
3.2 Enrollment Date shall mean the Card Account set up
date by the bank for new Cardholders and for existing
cardholders, the date the program commences, as decided
and communicated by the bank.
3.3 Enrollment Year shall mean the year of the
Enrollment Date.
- Points
4.1 Plus Points will
be awarded from the date the card is activated whenever
the Emirates Bank Card is used for all domestic and
international retail spends.
4.2 Plus Points awarded to the Cardholder will be shown
in the Cardholder’s monthly statement, and will be
redeemable in such manner as set out in the Plus Points
brochure, which will be dispatched to the Cardholder
upon his/her request.
4.3 Cardholders cannot accrue Plus Points for any
transactions on the Emirates Bank Card prior to his/her
Enrollment Date.
4.4 The rate of earning Plus Points is as defined in the
Plus Points Brochure and/ or updated on the website and/
or communicated from time to time. The Bank reserves the
right, to be exercised at any time and without any prior
notice to the Cardholder, to change the ratio between
(a) Plus Point to be awarded; and (b) the specified
amount charged to the Cardholder’s Emirates Bank Card.
4.5 All transactions charged to a Cardholder’s Emirates
Bank Cards are eligible for Plus Points except for the
following: a) Annual fee of the Cardholder’s Emirates
Bank Cards; b) Cash Advances; c) Finance charges; d) Late
payment charges; e) traveler’s cheques, balance transfer
and other unauthorized charges, etc; f) foreign currency
purchases g) Credit Shield / any other insurance
programs or products that the Bank may choose to offer;
or h) Transactions that the Bank decides are disputed,
erroneous, unauthorized, illegal and/or fraudulent(i)
Dial a Cheque and Installment Plan facilities offered by
the Bank.
4.6 The Bank may, at its sole discretion and without
prior notice to the Cardholder, add to, or remove from,
the above list of eligible charges and transactions. The
Bank’s decision as to what constitutes an eligible
charge shall be final and conclusive. The Bank may also
apply caps and/or reduced Plus Points to certain
categories of spending, i.e. Utility Bill Payment etc.
4.7 The following earning caps will apply on Plus Points
earning in each month: Silver/ DIC/ Gold Cards- 1,000
Plus Points, Platinum Card - 2,000 Plus Points and
Infinite Card – 3,000 Plus Points. The Bank has the
right to modify these caps at any point in time with /
without prior notice to the Cardholder.
4.8 Plus Points will stop accruing if the Cardholder
fails to pay the Minimum Amount Due on the Card Account
on 2 consecutive Payment Due Dates.
4.9 In the event the Card is voluntarily closed by the
Cardholder, Plus Points accumulated on his/her Card have
to be redeemed within 30 days of card closure otherwise
these will automatically lapse. In the event the Card is
cancelled by the Bank for any other reason, all the Plus
Points accumulated will stand forfeited. If the Card is
blocked or suspended by the Bank for any reason
whatsoever, then the Plus Points accumulated shall stand
forfeited but may be reinstated at the discretion of the
Bank if use of the Card is reinstated.
4.10 Adjustments will be made to the Plus Points balance
if there are any credits, including those arising from
returned goods or services or billing disputes. If a
disputed transaction is resolved in favour of the
Cardholder or where a transaction is reversed,
proportionate Plus Points will also be reversed and
credited/ debited to the Cardholder. On redemption, Plus
Points would automatically be subtracted from the Points
accumulated in the Cardholder’s account.
4.11 The Bank’s decision on computation of Plus Points
will be final, conclusive and binding on the Cardholder.
- Redemption
5.1 The Cardholder can
only redeem those Plus Points registered and credited to
the Emirates Bank Card Account of the Cardholder at the
time of making the redemption. The books and records of
the Bank shall be conclusive evidence in respect of the
number of Plus Points registered and credited to the
Cardholder’s Emirates Bank Card Account.
5.2 In addition to any other conditions outlined in
these terms and conditions, Plus Points accumulated
under the Cardholder’s Emirates Bank Cards Account(s)
will be cancelled if the Cardholder’s Emirates Bank Card
a) is closed; b) is not in good standing in the opinion
of the Bank; c) has expired; d) has breached the Bank’s
and/ or VISA or MasterCard Agreement; e) any other event
which, in the sole discretion of the Bank, should result
in the cancellation of Plus Points.
5.3 Plus Points redemption will not be allowed if the
Minimum Amount Due on the Card Account has not been
cleared on the Payment Due Date for one statement cycle.
The account will be reactivated only after the dues are
cleared.
5.4 Without prejudice to the foregoing, the Bank
reserves its right to be exercised at any time without
prior notice to the Cardholder, to apply time
limitations on the validity of the Plus Points earned by
the Cardholder and credited to the Cardholder’s Emirates
Bank Card Account. Any unprocessed redemption order for
Plus Points that have been cancelled, shall not be
processed by the Bank despite the fact that such
redemption order was received before the Cardholder’s
relevant Plus Points cancellation.
5.5 Any order placed for the redemption of Plus Points
for any of the Rewards in the Plus Points Brochure is
subject to the Bank’s approval, the availability of the
Reward at the time of placing the redemption order by
the Cardholder, as well as any restrictions applied by
the suppliers of the Reward. The Bank may, without prior
notice to the Cardholder withdraw or substitute any of
the Rewards for another Reward of comparable value or
nature. Redemption orders may be placed through the Plus
Points Helpline as communicated from time to time or
through BankNET.
5.6 Plus Points can be redeemed for Frequent Flyer
Partner Miles (hereinafter referred to as “FFP Miles”)
with our partners, Gift Vouchers, Cash Back, Annual Fee
Waiver and any other redemption option as defined by the
Bank from time to time.
5.7 A minimum of 500 Plus Points is required for Cash
Back redemption and FFP Miles redemption.
5.8 Plus Points can be transferred from a Visa card
account to a MasterCard account and vice versa.
5.9 Transfer of Plus Points to FFP miles can be
requested only by the individual whom we identify as the
Primary Cardholder. Plus Points can be transferred to
FFP of any person by providing his FFP no. and name
(e.g. supplementary cardholder, friend, relative, etc).
Only one redemption request will be accepted per day per
airline.
5.10 There will be varying time lags for completing the
process of transferring Plus Points to any of the FFP
Miles of partner airlines.
5.11 The minimum turn around time for processing
redemption requests is as follows: FFP Miles- 2-4 weeks,
Gift Vouchers – 5 working days (excluding time lag in
delivering the vouchers to the Cardholder) and Cash
Back/ Annual Fee Waiver – 5 working days. The Bank
cannot be held responsible for any delays beyond the
turn around time specified if such delays are caused due
to circumstances beyond the Bank’s control. The Bank
also has the right to change these time lags from time
to time with or without prior notice to the Cardholder.
5.12 Plus Points once converted to FFP Miles cannot be
converted back to Plus Points. Flight rewards do not
qualify for FFP Miles.
5.13 Plus Points will be transferred to a FFP program at
the prevailing rate as of redemption date. The
conversion rate is subject to change and the Bank
reserves the right to change conversion rates without
prior notice or intimation to the Cardholder.
5.14 The Bank shall only be responsible for forwarding
the Cardholder’s order for Reward to the supplier of the
Reward requested by the Cardholder. The Bank is not and
shall not be considered at any time as the supplier of
the Rewards available under the Plus Points Program.
5.15 The Bank shall not be liable for any loss of
profit, savings, contract, revenue, interest or goodwill
or any consequential indirect, incidental, special or
punitive loss, damage or expenses or loss of data
sustained by the Cardholder as a result of redeeming
Plus Points and/or possessing and/or using the redeemed
Reward(s) nor shall the Bank be responsible or held
liable for any amount payable by the Cardholder to any
third party arising out of the purchase, supply,
quality, installation, use or otherwise of Rewards, or
of any negligence, breach of statutory or other duty on
the part of the Bank and/or the supplier.
5.16 The Bank gives no warranty whatsoever (whether
expressed or implied) and undertakes no liability in
respect of the quality of the Rewards or their
suitability or fitness for any purpose.
5.17 Should a Reward arrive damaged or faulty, the
Customer may notify the Bank at the Helpline number as
specified from time to time no later that two (2) days
from the date of his/her receipt of the Reward giving
full details as shall be requested by the Bank. The Bank
shall use its best endeavors to convey the Cardholder’s
complaint to the supplier of the Reward and arrange for
a replacement thereof, if possible. Notwithstanding the
foregoing, the Bank shall not be held responsible in any
way whatsoever for any damaged or defective Rewards.
5.18 The redemption confirmation letter for Rewards
items, which have to be picked up from merchants, will
be sent to the Cardholder within ten (10) working days
from the date the Bank approves the redemption request.
Such letter shall authorize the Customer to pick up the
Rewards item from the relevant merchant.
5.19 Redemption orders once submitted to the Bank cannot
be cancelled, revoked or changed.
5.20 Vouchers issued under the Plus Points Programme,
are not exchangeable, refundable, or redeemable for cash
or credit under any circumstances. Such Vouchers are not
replaceable in the event of loss or destruction after
being issued and are subject to such terms and
conditions as may be prescribed by the issuer of the
same.
5.21 Details of specific rewards are set out in the Plus
Points Brochure which is subject to change from time to
time as may be determined by the Bank without prior
notice to the Cardholder. All Reward selections are
non-returnable. When deemed necessary by the Bank and/or
merchant partners of the Plus Points Programme, they may
make similar substitution without advance notice to the
Cardholder. The Plus Points offers are void where
prohibited by law.
5.22 Every effort has been made to ensure that the
information contained in the Plus Points Brochure, which
may be dispatched to the Cardholder from time to time,
is accurate. The Bank is not responsible for any errors
or omissions, which may appear on the Plus Points
Brochure.
- General
6.1 The Bank reserves the
right to disqualify any Cardholder from further
participation in the Plus Points Programme, if in the
Bank’s sole judgment, that Cardholder has in any way
violated these terms and conditions and/or the terms &
conditions of his/her Emirates Bank Card Agreement.
Suspension and disqualification may result, at the
Bank’s sole discretion, to the cancellation and
nullification of all Plus Points earned by the
Cardholder.
6.2 The Bank is entitled, at any time and without any
prior notice or liability to the Cardholder in any
manner whatsoever, to terminate the Plus Points
Programme and/or cancel and/or vary its benefits or
features, and/or vary, add to or delete any of the terms
and conditions outlined herein, and/or withdraw or
change the participants of the Plus Points Programme,
and/or modify or limit the value of Plus Points and/or
the manner of their redemption even though any of such
acts may diminish the value of the Plus Points already
accumulated.
6.3 Fraud and abuse relating to earning and redemption
of Plus Points will result in forfeiture of the Plus
Points as well as termination of the Card.
6.4 Information supplied by a Cardholder on redemption
of rewards may be used by the Bank for administrative
and/or marketing purposes.
6.5 The Program does not in any way amend the Emirates
Bank Card Terms and Conditions between the Bank and the
Cardholder, and any term referenced but not defined
herein may be interpreted in accordance with the said
Terms and Conditions.
6.6 The Bank acts in good faith in response to any oral
or electronic instruction or inquiry by the Cardholder
in respect of any matter in relation to this Program and
fulfillment of any reward. The Cardholder will not be
entitled to claim or allege any loss, damage, liability,
expense etc. attributable directly or indirectly to any
such good faith action of the Bank and the Cardholder
shall indemnify and hold the Bank harmless in respect
thereof.
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