American Express

Cards

MEMBERSHIP REWARDS^SM TERMS & CONDITIONS

1. Definitions

“MBB” – means Malayan Banking Berhad, a company incorporated in Malaysia with its registered office at 14th Floor, Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur.

“American Express Card” – means the basic card for any of the Malaysian Ringgit American Express Platinum, Personal, Gold or Corporate Cards.

“American Express Card Account” – means the basic card account for any of the Malaysian Ringgit American Express Platinum, Personal, Gold or Corporate Cards.

“Cardmembers” – means holders of an American Express Card.

“Enrolment Date” – means the day of the month in which MBB receives the application for enrolment in the Membership Rewards Programme, either with or without Frequent Traveller Option. The enrolment date remains the same in the event of transfer from Frequent Traveller Rewards to Non-Frequent Traveller Rewards or vice-versa, as defined hereunder.

“Enrolment Year” – means the twelve-month period commencing on the Programme Enrolment Date and each successive twelve-month period thereafter.

“Frequent Customer Programme” – means a participating airline’s frequent flyer programme or a participating hotel’s frequent guest programme.

“Frequent Traveller Option” – means the option to redeem Frequent Traveller Rewards through the Programme.

“Frequent Traveller Rewards” – means rewards obtained by transferring Points to Frequent Customer Programmes and such other rewards as may be added from time to time.

“Non-Frequent Traveller Rewards” – means all rewards provided through the Programme other than Frequent Traveller Rewards including gift item, rewards certificate, voucher, shopping, dining, entertainment, financial services, travel, unique experience rewards and such other rewards as may be added from time to time.

“Linked Accounts” – means all eligible American Express Card Account held by basic Cardmembers which are enrolled in the Programme and linked for the purpose of accruing Points. Only those American Express Card Account billed in the same currency may be linked. MBB will designate one of the Linked Accounts as the primary account.

“Points” – means points accumulated by Cardmembers through the Programme and referred to as Membership RewardsSM Points.

“Programme” – means the Membership Rewards Programme which allows Cardmembers to accumulate Points on their spending on the American Express Card and the Points can be exchanged for a wide variety of rewards including Frequent Traveller Rewards and Non-Frequent Traveller Rewards.

“Programme Account” – means the Membership Rewards Account opened for Cardmembers.

2. Eligibility and Enrolment

2.1	Participation in the Programme (either with or without Frequent Traveller Option) is open to all Cardmembers residing in Malaysia holding an American Express Card with the following exception: a) Basic Corporate Cardmembers are eligible to enrol in the Frequent Traveller Option only. Enrolment is subject to the approval of the company of the Corporate Cardmembers and MBB. Enrolled Corporate Cards from the same company cannot be pooled into one Programme Account. Any Points earned in respect of individual Corporate Cards are accrued to the respective Corporate Cardmembers for their personal use and not to the Corporate account.
2.2	Except as otherwise restricted herein, all Cardmembers enrolled in the Programme may redeem Non-Frequent Traveller Rewards. Cardmembers who enroll in the Programme with Frequent Traveller Option and pay the fee, may also redeem Non-Frequent Traveller Rewards.
2.3	Points earned by any additional cards will automatically accrue to the basic American Express Card Account. Additional cards cannot be enrolled separately from the basic American Express Card.
2.4	Line of credit accounts in good standing (i.e. not overdue or in collection) at the Enrollment Date are eligible for enrolment.
2.5	Only Linked Accounts in good standing (i.e. not overdue or in collection) at the Enrolment Date are eligible for enrolment.

3. Fees
3.1	FREQUENT TRAVELLER OPTION There is an annual fee of RM50 (for Personal and Gold Cardmembers) and RM100 (for Corporate Cardmembers) for participation in the Programme with Frequent Traveller Option. MBB will bill the accounts of Cardmembers on the Enrolment Date and annually thereafter (except in the case of reinstatement, where it will be billed on the reinstatement date.) The fee is non-refundable unless the Cardmembers request for cancellation of enrolment no later than 30 days after anniversary date. MBB will cancel enrolment if the fee is not paid within 45 days after the date of the statement on which the fee is first billed.
3.2	PROGRAMME WITHOUT FREQUENT TRAVELLER OPTION There is an annual fee of RM 25 (for Personal and Gold Cardmembers only) for enrolment in the Programme without Frequent Traveller Option.

4. Points Accrual

4.1

Every eligible American Express Card in the Programme will accrue one Point in the Programme Account for every RM1.00 charged to the Linked Accounts of the Cardmembers, subject to the following exclusions:

(a)	Charges processed and billed prior to the Enrolment Date or charges prepaid prior to the first billing statement for that account following the Programme Enrolment Date.
(b)	Gold Card Draft, Cash Advance and other cash services.
(c)	American Express Travellers Cheque purchases.
(d)	Charges for dishonored cheques.
(e)	Finance charges – including Gold card line of credit charges and American Express Card Account finance charges.
(f)	Late payment and referral charges.
(g)	Tax refunds from overseas purchases.

4.2

Adjustments will be made to the Points accrued in a Programme Account if there are any credits posted to a Linked Account including those arising from returned goods or services or from billing disputes.

4.3

Points accrued in a Programme Account are not the property of the Cardmembers and are not transferable, whether by operation of law or otherwise, either to any person or entity or Programme Account.

4.4

Points accrued in the Programme 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 Programme provided, however, MBB reserves the right to institute an expiry date for Points which have been accrued or accrued thereafter. If Frequent Traveller Option enrollees later cancel enrolment, the earned Points which have not been redeemed for rewards or transferred to any participating Frequent Customer Programme, may be carried over for up to two (2) further Enrolment Year after cancellation, subject to the eligibility and enrolment provisions hereof.
5.2	NON- FREQUENT TRAVELLER REWARDS POINTS There is no expiry date for Points earned by Non-Frequent Traveller Rewards enrollees while participating in the Programme provided, however, MBB reserves the right to institute an expiry date for Points whether Points have already been accrued thereafter.
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 where Cardmembers transfer enrolment to the Frequent Traveller Option, provided that Cardmembers pay a transfer fee of RM25 (for Personal and Gold Cardmembers.)

6. Notice of Accumulated Points

MBB will notify the basic Cardmembers in the monthly card statement of the primary account on the number of Points accrued at the statement date.

7. Points Redemption
7.1	Points may be converted or redeemed provided all enrolled Linked Accounts are in good standing at the time of the redemption request (including a request to transfer Points to the participating Frequent Customer Programme).
7.2	Points accrued in a Programme Account can only be redeemed by basic Cardmembers.
7.3	By redeeming a reward, Cardmembers release MBB, its subsidiaries and affiliates from any and all liability in respect of the redemption or use of any reward, or other participation in the Programme.
7.4	Any dispute concerning goods or services received as a reward under the Programme shall be settled between Cardmembers and the service establishment and/or supplier which supplied the goods or services. MBB will bare no responsibility in investigating or resolving such disputes or for the dispute itself and neither shall MBB be responsible in replacing or cancelling any redemption as a result of such dispute.
7.5	MBB is not responsible for lost or stolen rewards, rewards certificates, vouchers or tickets.
7.6	Redeemed rewards once accepted by MBB cannot be exchanged, revoked, cancelled, replaced, or transferred to cash, or credit under any circumstances.
7.7	Once the accrued Points in a Programme Account have been redeemed for any reward in the Programme including a transfer of Points to a participating Frequent Customer Programme, such Points shall be deemed extinguished and strictly cannot be transferred or reinstated back into the Programme Account.
7.8	Information supplied on the redemption of certain rewards may be used by MBB or the service establishments that provide the rewards for administrative and marketing purposes.
7.9	MBB reserves the right in its sole discretion to cancel, change or substitute the rewards or the Programme conditions at any time with or without notice.

8. Redeeming Non-Frequent Traveller Rewards
8.1	Redemption of Non-Frequent Traveller Rewards with insufficient Points will be rejected.
8.2	MBB gives no representation or warranty with respect to the quality of the Non-Frequent Traveller Rewards or their suitability for any purpose under the Programme. Any dispute in relation to the Non-Frequent Traveller Rewards shall be settled between the Cardmembers and the supplier. Cardmembers are to liaise directly with the manufacturer for such warranty information.
8.3	Non-Frequent Traveller Rewards that consist of rewards certificates/vouchers issued by suppliers cannot be encashed and are valid for use until the date specified and subject to terms and conditions therein. If they remain unused after the specified date, the certificates/vouchers will lapse and will not be replaced.
8.4	In the event that Cardmembers choice of Non-Frequent Traveller Rewards is unavailable, MBB will replace it with a substitute of similar value. All Non-Frequent Traveller Rewards are available while stocks last and MBB reserves the right to discontinue and/or replace the Non-Frequent Traveller Rewards featured herein with different products, colour, model or services without giving any prior notice nor assigning any reason whatsoever to Cardmembers
8.5	All rewards are subject to availability and certain restrictions may apply (please note that the restrictions may not be imposed by the service establishment and/or supplier). The redemption procedure and the terms and conditions of each reward are set forth in the rewards voucher issued to Cardmembers.
8.6	Any additional meals, transportation or accommodation arrangements made in connection with any reward will be the sole responsibility of Cardmembers.
8.7	In the event that the reward takes form of a cash voucher, should Cardmembers purchase goods or services in excess of the value noted on the cash voucher, Cardmembers must use the American Express Card or cash to pay the difference to the participating service establishment.
8.8	Unless otherwise specified, the shopping reward in the form of a privilege card or a cash certificate cannot be used in association with other special offers offered by the service establishments during sales.
8.9	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.
8.10	Issuance of a dining, travel or hotel rewards certificate does not constitute a reservation. The rewards certificate holder is responsible for making all reservations and notifying the participating service establishment of the rewards(s) they are going to redeem before making any redemptions.
8.11	One certificate per redemption unless otherwise stated.

9. Delivery of Non-Frequent Traveller Rewards
9.1	Cardmembers shall provide an address in Malaysia to MBB for delivery of Non-Frequent Traveller Rewards. Delivery will not be made to a P.O. Box address.
9.2	MBB does not deliver Non-Frequent Traveller Rewards to Cardmembers who are outside of Malaysia (other countries) notwithstanding that the Cardmembers agree to pay for the delivery charges.
9.3	Delivery of any document eg. rewards certificate/voucher will be sent via registered post. In the event Cardmembers are not available to receive at the delivery address, Cardmembers have to liaise directly with the courier service company at the specified time frame and location as stated in the "attempt card" (dropped by the courier service company) to collect the document.
9.4	MBB is under no obligation to replace any lost vouchers/rewards certificates should Cardmembers fail to collect the document(s) on time as specified in the "attempt card". It is the responsibility of Cardmembers to liaise directly with the courier service on any non-collection or unclaimed documents.
9.5	The Non-Frequent Traveller Rewards will be delivered within 21 working days from the date of the redemption order. A redirection fee of RM10 will be debited to Cardmembers’ accounts for any change in delivery address. Change of delivery address will only be allowed if Non-Frequent Traveller Rewards have not been sent out to Cardmembers.
9.6	MBB shall be entitled to use and/or disclose to any third party including the participating merchants/suppliers any information pertaining to Cardmembers and their American Express Card Account and other information supplied to MBB in respect of the redemption in the Programme.
9.7	Cardmembers or recipient of Non-Frequent Traveller Rewards is obliged to present ID documentation to the delivery staff, failing which the delivery staff has the right to refuse delivery and will return the Non-Frequent Traveller Rewards to MBB as unclaimed.
9.8	Proof of delivery of Non-Frequent Traveller Rewards is by way of written acknowledgement of receipt of the rewards/rewards certificate/vouchers by occupants at the delivery address, and where such address is an office receipt by any office staff shall be deemed to be the acknowledgement of Cardmembers.
9.9	If Cardmembers do not receive the Non-Frequent Traveller Rewards upon expiry of 21 days from the date of the redemption order, it is the responsibility of Cardmembers to inform MBB no later than 2 months from the expiry of the 21 days whereupon MBB will arrange for the delivery of the Non-Frequent Traveller Rewards to Cardmembers upon receipt of proof of non-delivery from its agent. Cardmembers shall have no right of recourse against MBB whatsoever upon the expiry of the said 2 months and Cardmembers shall be deemed to have had received and accepted the Non-Frequent Traveller Rewards.
9.10	Cardmembers or their authorized representative is advised to examine all packages of the Non-Frequent Traveller Rewards upon receipt. Should a Non-Frequent Traveller Rewards arrive damaged or faulty, the Non-Frequent Traveller Rewards should be returned in its original state and packaging at the Cardmembers’ own cost within 3 days from receipt date to the delivery person. A replacement will be delivered within 14 days of the return of the Non-Frequent Traveller Rewards and the delivery charges incurred for the replacement Non-Frequent Traveller Rewards shall be borne by Cardmembers. The right for replacement of Non-Frequent Traveller Rewards will be extinguished if Cardmembers fail to return the Non-Frequent Traveller Rewards within 3 days.
9.11	There is no “Trial Period” for all Non-Frequent Traveller Rewards items.
9.12	The Cardmembers authorize MBB to debit their card accounts for the delivery cost of replacement without informing Cardmembers the amount or date of debit. The amount debited is non-negotiable and final. MBB will not accept any other mode of payment for the delivery replacement.

10. Redeeming Frequent Traveller Rewards
10.1	Points may be converted into any one or more participating Frequent Customer Programme.
10.2	To convert accrued Points to any participating Frequent Customer Programme, Cardmembers must first join or be a member of the applicable programme. Enrolment in such programmes is the responsibility of Cardmembers.
10.3	The conversion rates for Points into participating Frequent Customer Programme, minimum Points transfer and incremental transfers vary among participating Frequent Customer Programme. Details are communicated on a regular basis. In any event Cardmembers should telephone the membership rewards customer service number for up-to-date details.
10.4	Cardmembers are subject to and must comply with the terms and conditions applying to participating Frequent Customer Programmes in which they are enrolled.
10.5	MBB assumes no responsibility for Points converted from Cardmembers’ Programme Account into a participating Frequent Customer Programme or for the actions of any participating airline or hotel in connection with its Frequent Customer Programme or otherwise.
10.6	The participating airlines or hotels in the Frequent Customer Programme are subject to change with or without notice.
10.7	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 Programme Account: • Travel Accident Insurance • Travel Inconvenience Reimbursement Plan, Cardmembers’ insurance and travel benefit programmes expressly offering an option for frequent flyer ticket coverage are an exception to the foregoing, but only if Cardmembers have enrolled in such and paid the fee for, and otherwise complied with the terms and conditions of the particular programme.

11. Programme Account
11.1	If any Linked Account is not in good standing, Cardmembers’ enrolment in the Programme may be cancelled or points accrued in the Programme Account may be forfeited. Cardmembers’ enrolment in the Programme may also be cancelled or the Points accrued may be forfeited due to failure by Cardmembers to adhere to the terms and conditions governing the American Express Card Account or the Programme.
11.2	If any Cardmembers cancel all basic cards, or if for any reason MBB cancels any Linked Account(s), any Points accrued in the Programme Account will at the discretion of MBB be suspended and will not be capable of conversion or redemption. If any such American Express Card Account are reinstated by Cardmembers or if MBB reinstates the Linked Accounts within one year of cancellation any Points accrued in the Programme Account of Cardmembers may be converted into a participating Frequent Customer Programme or redeemed for rewards subject to the terms and conditions of the Programme.
11.3	If eligible Cardmembers whom have more than one basic American Express Card Account, voluntarily cancels any such card account and at least one basic card account remains, any Points accrued in the Programme as a result of charges billed to the cancelled card account may be transferred to any remaining American Express Card Account in their names.

12. General
12.1	MBB assumes no responsibility for any loss of whatever nature resulting from the redemption of either Frequent Traveller or Non-Frequent Traveller Rewards.
12.2	MBB reserves the right to suspend, change the Programme terms and conditions or terminate the Programme at any time it deems necessary. In such case, MBB shall give advance written notice to basic Cardmembers.
12.3	Fraud and abuse relating to the earning of Points in the Programme or redemption of rewards including transfer of Points to participating Frequent Customer Programmes, may result in forfeiture of accrued Points as well as cancellation of a Programme Account.
12.4	All questions or disputes regarding eligibility for the Programme or the eligibility of Points for accrual or redemption of rewards including transfer of Points to a participating Frequent Customer Programme, will be resolved by MBB at its sole discretion.
12.5	The Programme Account is not transferable.
12.6	MBB’s failure to enforce a particular term and condition does not constitute a waiver of that Term and Condition by MBB.