1. A ) BATMANTM Personalized Octopus is only applicable to applicants who are not using Octopus Automatic Add Value Service (“AAVS”) in Dah Sing Bank.
   B) BATMANTM Personalized Octopus and HK$10 pre-loaded value are only applicable to principal applicants who successfully applied for BATMANTM credit card and BATMANTM Personalized Octopus and enrolled for AAVS on or before 30th September 2008. No late application will be accepted.
   C) If the BATMANTM Personalized Octopus Card is lost or malfunctions, no replacement card will be issued.
   D) BATMANTM Personalized Octopus Card is not applicable to other members using “Happy Family” AAVS. The current daily automatic add value amount is HK$ 250 or HK$ 500.
   
2. Bonus Point Scheme -- Every HK$1 you spent with your credit card will earn you one Bonus Point. Bonus Spending includes retail transactions and Octopus AAVS amount only, excluding cash advance, “ Jetso Installment” Plan amount, “Cash-in Plan” monthly installment amount, Balance Transfer amount, Bill payment amount, tax payment, Interest-free Installment transactions, bank handling fees (annual fees, financial charges, late fees and cash advance handling fee), casino transactions, unpost/cancelled/refunded and all unauthorized transactions.
   
3. To enjoy the offers, Cardholder must present Dah Sing credit card upon purchase and settle the payment with the card.
   
4. "Jetso Installment” Plan is only applicable to transaction(s) (combined transactions apply) valued at HK$800 (or its equivalent) or above. All combined transactions must be made under the same Card account. Cardholder needs to apply within 10 days before payment due date and keep the related sales slip(s) for proof. The Bank has the right to accept or reject an installment plan application without the need to provide reasons. In case of any dispute, the decision of Dah Sing Bank shall be final. This installment plan shall be subject to the terms and conditions of " JetsoInstallment" and the related handling fees, terms and conditions can be downloaded by clicking here or call 2828 8168.
   
5. "Cash-in Plan": This plan is only applicable to Principal Cardholder (excluding Supplementary Cardholder). No Bonus Point or Cash Rebate will be awarded for this Plan. A handling fee of the installment amount will be charged. Please refer to the promotional leaflet for the updated handling fee. “Cash-in Plan” is applicable to Hong Kong personal bank accounts only, not applicable to joint accounts.
   
6. Handling fee for e-banking bill payment via BATMANTM Credit Card is 1% (applicable to pre-registration merchants only). For the information of payment merchant list, please click here.

• The annual interest rates of retail transactions and cash advance are 24% and 30% respectively. According to the Net Present Value (NPV) Method specified in the Code of Banking Practice, the Annualized Percentage Rates ("APR") of retail transactions and cash advance are 25.84% and 36.09% respectively.
• Dah Sing Bank reserves the right to make the final decision on the approval of BATMANTM Credit Card
• Dah Sing Bank reserves the final rights to amend these terms and conditions at any time without prior notice.
• In case of any discrepancy between English and Chinese versions, the English version shall prevail.
• In case of any disputes, the decision of Dah Sing Bank shall be final.

Terms and Conditions for Credit Card Welcome Offers:

Terms and Conditions for Express Money Interest Free Loan Promotion:

Express Money Interest Free Loan Terms & Conditions

I, (the “Borrower”) agree to abide by the following terms and conditions.

1. Drawings
1.1 The Express Money Interest Free Loan (the “Loan”) principal sum advanced is to be drawdown in one lump sum at the handling fee mentioned in the facilities letter issued by Dah Sing Bank / MEVAS Bank (the “Bank”). Proceeds of the Loan will be credited to the personal designated account of the Borrower maintains with either of the Bank as stipulated in the application form unless the Borrower wishes to withdraw the money by cashier order or by transfer to other accounts designated by the Borrower and agreed to by the Bank.

2. Repayment/Prepayment
2.1 The Borrower shall repay the Loan together with handling fee, accrued handling fee, charges, expenses or other liabilities hereinafter mentioned, by the number of monthly installments agreed to by the Bank and within the loan tenor offered by the Bank and selected by the Borrower and through a designated repayment account, whether maintained with the Bank or other banks in Hong Kong (the “Repayment Account”). The Borrower irrevocably authorizes the Bank to auto-debit the Repayment Account on the payment due date for installment repayment on monthly basis, subject however to full repayment on demand and undertakes to keep the Repayment Account with adequate funds to meet each monthly repayment as it falls due. The Bank may at its discretion to apply the monthly installment to settle the payments due from the Borrower under these Terms and Conditions before applying it or the balance thereof to pay the principal and handling fee of the Loan (including all late charge which may be payable under these Terms and Conditions), it being understood that the installment or the balance thereof will be applied to settle the handling fee (including the late charge) first.
2.2 In general, clearing and settlement of banks in Hong Kong take place from Mondays to Fridays only. If the payment due date for a particular
installment falls
(a) on a Saturday or a Sunday or a public holiday, the repayment will be made on the following Monday or the following clearing day in Hong Kong, unless such clearing day shall fall in the next calendar month then it shall be made on or as at the immediately preceding clearing day; or
(b) on either 29th, 30th or 31st of a month and a particular month does not have that date, the repayment will be made on the last clearing day in Hong Kong of that month.
2.3 Partial repayment is not allowed. However, prepayment is accepted provided that the prepayment amount is the multiple of the monthly installment amount. After each prepayment, the payment due date will be adjusted.
2.4 Early settlement will be permitted on prior notice and on such terms as the Bank may at its absolute discretion decide subject to repayment of the entire outstanding principal of the Loan, accrued handling fee and Early Settlement Handling Fee of 2% (subject to a minimum of HK$500) on the outstanding principal amount of the Loan. The entire outstanding principal amount of the Loan is calculated on the basis of the formula known as the “Rule of 78”.
2.5 Where repayment is not received by the Bank by the payment due date, the Bank may make further debits on such other days after the due date as the Bank thinks fit and the Borrower agrees to pay for the late charges, handling fee and penalty charges at such rate and from such time as the Bank may announce. If the repayment is made through an account maintained by the Borrower with other banks, the Borrower shall also pay for the autopay returned unpaid charge as imposed by the relevant bank due to those further debits.
2.6 If the Borrower fails to make any monthly installments when due, a late charge at 5% per month on installment arrears (subject to a minimum of HK$300 per month) shall be payable from the due date to the date of actual payment.

3. Handling Fee
3.1 Handling fee on the Loan shall accrue from date of drawdown and calculated at such fixed flat rate as the Bank determines at its sole discretion depending on the size of the Loan, the loan tenor and the installment terms (details will be provided when the Loan is approved) and subject to variation as the Bank may announce from time to time. The monthly repayment amount (including the said handling fee) will be debited from the repayment account on the due date every month, and such monthly repayment amount will be adjusted to the digit integer. The monthly repayment amount shall be apportioned between the Loan and the handling fee in such manner as the Bank thinks fit.

4. Events of Default
4.1 All moneys payable hereunder together with legal costs (at a reasonable sum and reasonably incurred) in enforcing the terms hereof shall become immediately due and payable upon the happening of any one of the following events:-
(a) if the Borrower defaults in payment on the due date of any of the installments; or
(b) if the Borrower is insolvent or unable to pay his debt; or
(c) if the Borrower has any execution or distress issued or levied against him; or
(d) if any circumstances occur which in the opinion of the Bank gives reasonable grounds for belief that the Borrower may not (or may not be able to) perform his obligations hereunder.
4.2 The Loan facility will be subject to the Bank's review periodically as the Bank deems fit at its sole and absolute discretion with or without prior notice.
4.3 Notwithstanding any provision to the contrary in this document, the Bank nevertheless expressly reserve the right at its sole and absolute discretion at any time with or without prior notice:
(a) to increase, reduce, cancel, suspend, withdraw, terminate and/or modify the Loan facility or any part or parts thereof whether used or unused; and/or
(b) to exercise the overriding right of demand to the repayment of the Loan facility or any part or parts thereof.

5. Set-Off
5.1 In addition to any right of set-off or other general lien or similar right to which the Bank may be entitled in law, the Borrower hereby agrees that the Bank shall have the right and is authorized to the fullest extent permitted by law, at any time and from time to time hereafter and, without prior notice to the Borrower, to set-off and/or initiate transfers of and apply all or any of the credit balances (whether or not matured or due and payable or subject to any notice or not, and including property in the possession or control of the Bank) of the accounts (whether or not in Hong Kong or foreign currency) maintained with the Bank or with any Bank Group Company, whether singly held by the Borrower or jointly with another person, in or towards discharging the Borrower’s liabilities to the Bank. Insofar as any of the sums may only be due to the Bank contingently or in future, the liability of the Bank or any Bank Group Company to the Borrower to make payment of any sums standing to the credit of any such accounts will to the extent necessary to cover such sums be suspended until the happening of the contingency or future event. The Bank's right under this clause will most likely be exercised by the Bank if the Borrower fails to repay any outstanding indebtedness due to the Bank. Where such combination, set-off or transfer require the conversion of one currency into another, such conversion shall be calculated at the then prevailing spot rate of exchange of the Bank as absolutely determined by the Bank (the details of which will be provided to the Borrower upon request). For the purpose of this Clause and Clause 7.2, the expression "Bank Group Company" means holding company of the Bank, any subsidiary of the Bank or of its holding company and all associated or related companies.

6. Collection Charges
6.1 The Bank and each of them may take such action as it in its absolute discretion thinks fit to enforce its rights in respect of the Loan including without limitation employing third party agencies to collect any sums owing to the Bank. The Borrower shall be liable to reimburse on demand and indemnify the Bank against all charges and expenses which are of reasonable amount and are reasonably incurred of such third party agencies and the Bank’s own reasonable legal costs and expenses.

7. Personal and Account Data
7.1 The Borrower acknowledges that he has received a copy of the Bank’s Notice to Customers relating to Customers’ Data.
7.2 In addition to the permitted handling of consumer credit data under the Code of Practice on Consumer Credit Data (the “Code”) by reference to Credit Reference Agency and Debt Collection Agency, the Borrower hereby consents (so far as is permissible in law) to the collection use processing and transfer of and access to personal and account data between the Bank and their respective contractors or outsourced agents and including Bank Group Company as well as other financial institutions, debit or credit card issuers and in connection with the lawful business of such entities including but not limited to the provisions of credit, credit review, credit scoring, matching or direct marketing.
7.3 The provisions in the Code concerning the Bank’s continuing obligation during or upon termination of the Loan and the right of the Borrower to access and to delete shall equally apply to the handling of data mentioned in clause 7.2 hereof.

8. Miscellaneous
8.1 The Borrower shall inform the Bank as soon as possible of any difficulty in repaying any outstanding balance to the Bank; the Borrower shall also promptly inform the Bank in writing of all changes in employment, residential address or telephone number.
8.2 Any terms and conditions (including fees and charges) of the Loan may be altered from time to time by the Bank. The Bank will notify the Borrower of such alteration by written notice thereof sent to the Borrower’s last address notified to the Bank, or by any other channels that the Bank may think fit under different circumstances.
8.3 Terms and Conditions which is invalid for any reason shall be ineffective only to the extent of such invalidity and shall not affect the validity of the remaining terms and conditions.
8.4 No failure or delay by the Bank to exercise or enforce any right shall operate as a waiver of such right.
8.5 The Borrower may not assign the whole or any part of his rights under this terms and conditions. The Bank may assign, sub-participate or transfer any or all of its rights and obligations under this terms and conditions.
8.6 All notice, statement or correspondence given by the Bank may be sent by ordinary post to the Borrower’s last known address and shall be deemed to have been given immediately after posting.
These terms and conditions are governed by and construed in accordance with the law of Hong Kong Special Administrative Region and in case of any inconsistency between the English and the Chinese version, the English version shall prevail. The general terms hereof are subject to the special terms and conditions set out in the facilities letter of each of the Bank.