1. Definitions
Amex we, our, us means American Express International, Inc., its affiliates and licensees.
Cardmember, you or your means the individual in whose name an American Express Corporate or Gold Corporate Account is opened for a business or other organisation.
Card means the Hong Kong dollar and US dollar Corporate or Gold Corporate Cards with account numbers beginning with 3763 7 or 3769 7.
Card Account means the account of a Company or other organisation on which American Express issues the American Express Corporate Card or American Express Gold Corporate Card.
Company means the Company or organisation in whose name an American Express Corporate or Gold Corporate Card Account is opened.
Cardmember Account means the account of the individual Cardmember.
Debit Points Fee Option means the option to use Points accumulated under the Program to redeem a waiver of the Program annual fees payable by the Cardmember upon Enrolment in the Program and each successive twelve (12) month period thereafter.
Enrolment Date means the first day of the month in which Amex receives the application for enrolment in the Membership Rewards Program, either with or without the Frequent Traveller Option. The enrolment date remains the same in the event of transfer from one to the other
Enrolment Year means the twelve (12)-month period commencing on the Program Enrolment Date and each successive twelve (12)-month period thereafter.
Frequent Customer Program means a participating airline's Frequent Flyer Program or a participating hotel's Frequent Guest Program.
Frequent Traveller Option means the option to redeem Frequent Traveller Rewards through the Program.
Frequent Traveller Rewards means rewards obtained by transferring points to Frequent Customer Programs and such other rewards as may be added from time to time.
Non-Frequent Traveller Rewards means all rewards provided through the Program other than Frequent Traveller Rewards including shopping, dining, entertainment, financial services, travel, unique experience rewards and such other rewards as may be added from time to time.
Points means Membership Rewards Points earned under the Program.
Program means the American Express Membership Rewards Program and includes both the Frequent Traveller Rewards and the Non-Frequent Traveller Rewards.
Program Account means the Membership Rewards Program account opened for a Cardmember.
Program Administrator means the authorised representative of a Company for the purpose of the Program.
Rewards means Frequent Traveller and non-Frequent Traveller Rewards.
2. Eligibility and Enrolment
2.1 Participation in the Program (either with or without the Frequent Traveller Option) is open to all Cardmembers whose Card Accounts are billed in Hong Kong dollars or US dollars from Hong Kong subject to the approval of Amex , with the following exceptions:
(i) Cardmembers residing in India, Pakistan or other countries outside Hong Kong holding US$ Cards billed from Hong Kong may only participate in the Frequent Traveller Option to the extent permitted by the laws of their country of residence. Such Cardmembers are not eligible to enroll in the Non-Frequent Traveller Option of the Program or to redeem any Non-Frequent Traveller Rewards.
(ii) Cardmembers enrolment in the Program is subject to the approval of the Cardmember's Company and American Express. Enrolled Cards from the same Company cannot be pooled into one Program account. Any points earned in respect of a Card accrue to the respective Cardmember for his/her personal use and not to the Card Account.
2.2 Except as otherwise restricted herein, all Cardmembers enrolled in the Program and who pay the administration fee may redeem Non-Frequent Traveller Rewards. Cardmembers who enroll in the Program with the Frequent Traveller Option and pay the fee may also redeem Frequent Traveller Rewards.
2.3 Points earned by any Additional Cards will automatically accrue to the Card account. Additional Cards cannot be enrolled separately from the Card.
2.4 Business Travel Accounts and other non-Card Accounts are not eligible to participate.
2.5 Only Card Accounts in good standing (i.e., not overdue or in collection) at the Enrolment Date are eligible for enrolment.
2.6 Cardmembers who are existing holders of any other American Express cards in his/her individual capacity (hereinafter abbreviated as"Personal Card(s)") may enrol in the Program provided that all Points earned in respect of a Card are separate and distinct from any points that a Cardmember may earn in respect of his/her Personal Card(s), and the two cannot be linked, pooled or otherwise used interchangeably unless otherwise provided for in the Terms & Conditions of the Program.
3. Fees
3.1 Frequent Traveller Option
There is an annual fee of HK$400 for the HK$ Cards and US$50 for US$ Cards for participation in the Program with the Frequent Traveller Option. Cardmembers who have selected the Debit Points Fee Option will be able to redeem a waiver of their annual fee with 12,000 Points for the HK$ Card and 12,500 Points for the US$ Card. Should there be insufficient Points accumulated in the Cardmember's Program Account at the time when the annual fee is due and payable so that the Debit Points Fee Option cannot be exercised, the full annual fee will be charged to the Card and payable by the Cardmember.
3.2 Program without Frequent Traveller Option
Enrolment in the Program without Frequent Traveller Option is currently available to HK$ Cards only. There is an annual fee of HK$120 for enrolment in the Program without Frequent Traveller option. Cardmembers who have selected the Debit Points Fee Option will be able to redeem a waiver of their annual fee with 3,600 Points. Should there be insufficient Points accumulated in the Cardmember's Program Account at the time when the annual fee is due and payable so that the Debit Points Fee Option cannot be exercised, the full annual fee will be charged to the Card and payable by the Cardmember.
ss 3.3 Annual fees are payable with respect to each Card participating in the Program and will not be waived even if the Cardmember maintains other cards and/or Membership Rewards accounts with American Express. Annual fees are to be paid by the Cardmember in advance and will be charged to the Card on the Enrolment Date and annually thereafter, except in the case of reinstatement, where it will be billed on the reinstatement date, or where the Debit Points Fee Option is exercised. Annual fees paid are non-refundable. Amex will cancel the Card enrolment in the Program if the annual fee is not paid within 45 days after the date of the statement on which the fee is first billed unless the annual fee is waived under the Debit Points Fee Option. A Cardmember may request cancellation of enrolment in the Program within 30 days from each anniversary of the Enrolment Date and any debit entries relating to the annual fee charged to the Cardmember Account will be reversed.
4. Points Accrual
4.1 Every eligible Card enrolled in the Program will accrue one point in the Cardmember Program Account for every HK$1 (US$1 for US$ accounts) charged and billed on the Cardmember's Card and subject to the following exclusions:
No points accrue in respect of:
(a) Charges processed and billed prior to the Enrolment Date.
(b) Cash Advance and other cash services.
(c) Corporate Cash.
(d) American ExpressTravelers Cheque purchases.
(e) American ExpressGift Cheque or Travel Gift Certificate purchases.
(f) Charges for dishonoured cheques.
(g) Finance charges.
(h) Late payment and referral charges.
(i) Tax refunds from overseas purchases.
4.2 If the Cardmember has both a HK$ and a US$ Card account billed from Hong Kong, points will accrue separately into two different Programs: a HK$ Program Account and a US$ Program account.
4.3 Adjustments will be made to the points accrued in a Program Account if there are any credits posted in relation to a Card linked to that particular Program Account including those arising from returned goods or services or from billing disputes.
4.4 Points accrued in a Program Account are not the property of the Cardmember and are non transferable, whether by operation of law or otherwise, either to any other person or entity or Program Account.
4.5 Points accrued in the Program Account have no cash or monetary value.
5. Points Expiration
5.1 Frequent Traveller Option Points
There is no expiry date for points earned by Frequent Traveller Option Enrollees while participating in the Program provided, however, American Express reserves the right to institute an expiry date for points whether points have been already accrued or accrued thereafter.
If a Frequent Traveller Option Enrollee later cancels enrolment, points already earned that have not been redeemed for rewards or transferred to any participating Frequent Customer Program can be carried over for up to 30 days after cancellation (effective September 1, 2003).
5.2 Non-Frequent Traveller Rewards Points
There is no expiry date for points earned by Non-Frequent Traveller Option Enrollees while participating in the Program, provided, however, American Express reserves the right to institute an expiry date for points whether points have been already accrued or accrued thereafter.
If a Non-Frequent Traveller Option Enrollee later cancels enrolment, points already earned that have not been redeemed for rewards can be carried over for 30 days after cancellation (effective September 1, 2003).
5.3 Non-Frequent Traveller Points Transferred to Frequent Traveller Option
If Non-Frequent Traveller Rewards enrollees later enroll in the Frequent Traveller Option, there will be no expiry date for points already earned in the Enrolment Year they transfer enrolment to the Frequent Traveller Option, provided that they pay a "Upgrade Fee" of HK$400 (US$50). However, if they use up all points already accrued before transferring to the Frequent Traveller Option, no Upgrade Fee will be charged.
6. Notice of Accumulated Points
American Express will notify the Cardmember in the monthly Card statement of the Account of the number of points accrued at the statement date.
7. Points Redemption
7.1 Points may be converted or redeemed provided all enrolled Cards are in good standing at the time of the redemption request (including a request to transfer points to participating Frequent Customer Programs).
7.2 Points accrued in the Cardmember's Program Account can only be redeemed by the Cardmember.
7.3 By redeeming a reward, the Cardmember releases American Express, its subsidiaries and affiliates from any and all liability regarding the redemption or use of any reward, or other participation in the Program.
7.4 Any dispute concerning goods or services received as a reward under the Program shall be settled between the Cardmember and the Service Establishment which supplied the goods or services. American Express will bear no responsibility for resolving such disputes, or for the dispute itself.
7.5 American Express is not responsible for lost or stolen rewards, reward vouchers, certificates, or tickets.
7.6 Redeemed rewards are not exchangeable for other rewards, or refundable, replaceable, or transferable for cash or credit under any circumstances.
7.7 Once accrued points in a Cardmember's Program Account have been redeemed for any reward in the Program including a transfer of points to a participating Frequent Customer Program, such points cannot be transferred back into the Cardmember's Program Account.
7.8 Information supplied on the redemption of certain rewards may be used by American Express or the Service Establishments that provide the rewards for administrative and marketing purposes.
7.9 American Express reserves the right to cancel, change or substitute the rewards or the reward conditions at any time with or without notice.
8. Redeeming Non-Frequent Traveller Rewards
8.1 All rewards are subject to availability and certain restrictions may apply. The redemption procedure and the Terms & Conditions of each reward are set forth in the rewards voucher issued to the Cardmember.
8.2 Any additional meals, transportation or accommodation arrangements made in connection with any reward will be the sole responsibility of the Cardmember.
8.3 In the event that the reward takes the form of a privilege card or a cash voucher, should the Cardmember purchase goods or services in excess of the value noted on the cash voucher, the Cardmember must use the Card or cash to settle payment or the difference to the participating Service Establishment.
8.4 Unless otherwise specified, the shopping reward in the form of a privilege card or a cash voucher cannot be used in association with other special offers offered by the Service Establishments or during sales.
8.5 Unless otherwise specified, all dining rewards which take the form of a set menu, are inclusive of service charge but not inclusive of alcoholic drinks and other beverages.
8.6 Issuance of a dining or travel rewards voucher does not constitute a reservation. The rewards voucher holder is responsible for making all reservations and notifying the participating Service Establishments of the reward(s) they are going to redeem.
9. Redeeming Frequent Traveller Rewards
9.1 Points may be converted into any one or more participating Frequent Customer Programs.
9.2 To convert accrued points to any participating Frequent Customer Program the Cardmember must first join or be a member of the applicable Program. Enrolment in such Programs is the Cardmember's responsibility.
9.3 The conversion rates for points into participating Frequent Customer Programs, minimum point transfers and incremental transfers vary among participating Frequent Customer Programs and details are communicated on a regular basis. In any event, Cardmembers should telephone the Membership Rewards Hotline for up-to-date details.
9.4 Cardmembers are subject to and must comply with the Terms & Conditions applying to participating Frequent Customer Programs in which they are enrolled.
9.5 American Express assumes no responsibility for Points converted from a Cardmember's Program Account into a participating Frequent Customer Program or for the actions of any participating airline or hotel in connection with its Frequent Customer Program or otherwise.
9.6 Any airline or hotel's participation in the Program is subject to change with or without notice.
9.7 American Express Card travel insurance and benefits, including but not limited to those listed below, will not apply to flights taken with Frequent Flyer tickets, including Frequent Flyer tickets obtained by using Points converted from a Program Account:
. Travel Accident Insurance
. Travel Inconvenience Reimbursement Plan, Cardmember insurance and travel benefit Programs
expressly offering an option for Frequent Flyer ticket coverage are an exception to the foregoing, but only if the Cardmember has enrolled in such and has paid the fee for, and otherwise complied with the Terms & Conditions of the particular Program.
10. Program Account
10.1 If any Card held by the Cardmember that is linked to the Card Account or the Card Account is not in good standing, the Cardmember's enrolment in the Program may be cancelled or points accrued in the Program Account may be forfeited. A Cardmember's enrolment in the Program may also be cancelled or points accrued may be forfeited due to the Cardmember's failure to adhere to the Terms & Conditions governing the Card or the Program. The Company Program Administrator may also cancel the enrolment of the Cardmember.
10.2 If a Cardmember cancels all Cards, or for any reason Amex cancels any Card Account(s), any points accrued in the Program Account will at the discretion of American Express be suspended and will not be capable of conversion or redemption. If the Cardmember reinstates any Card Account(s), or if American Express reinstates the Card Account(s) within one year of cancellation, any points accrued in the Cardmember's Program Account may be converted into a participating Frequent Customer Program or redeemed for rewards subject to the Terms & Conditions of the Program.
10.3 If an eligible Cardmember who has more than one Card Account, voluntarily cancels any such Card Account and at least one Card Account remains, any points accrued in the Program as a result of charges billed to the cancelled Card may be transferred to any remaining Card Account in his or her name.
11. General
11.1 American Express assumes no responsibility for any loss of whatever nature resulting from the redemption of either Frequent Traveller or Non-Frequent Traveller Rewards.
11.2 American Express can suspend or terminate the Program at any time it deems necessary. In such a case, American Express shall give advance written notice to Cardmembers.
11.3 American Express reserves the right to change the Program Terms & Conditions at any time.
11.4 Fraud and abuse relating to the earning of points in the Program or redemption of rewards, including a transfer of points to participating Frequent Customer Programs, may result in forfeiture of accrued points as well as cancellation of a Cardmember's Program Account.
11.5 All questions or disputes regarding eligibility for the Program or the eligibility of points for accrual or redemption of rewards including transfer of points to a participating Frequent Customer Program, will be resolved by American Express at its sole discretion.
11.6 The Program Account is not transferable.
11.7 American Express failure to enforce a particular Term or Condition does not constitute a waiver of that Term or Condition by American Express.
11.8 If there is any difference between the English language text of these Terms & Conditions and the Chinese language text, the English language text should for all purposes be considered definitive.