General Terms and Conditions:
I. "Cash-in Plan": This plan is only applicable to Principal Cardholder, not applicable to Supplementary Cardholder. No Bonus Point or Cash Rebate will be awarded for this plan. The Bank will charge a monthly handling fee calculated based on the approved amount at such percentage as the Bank may from time to time prescribe at our discretion.Please browse Dah Sing Bank website or call 2828 8002 for the updated monthly handling fee. "Cash-in Plan" is only applicable to local personal bank account holder and is not applicable to joint accounts.
II. To enjoy the offers, Cardholder must present the Dah Sing APITA UNY Card upon purchase and settle the payment with the Card. For details, please refer to the year-round offer leaflet, which will be sent with the Card to Cardholder.
III. "Jetso Installment" is only applicable to transaction(s) valued at HK$800 (or same value foreign transactions) or above and transaction can be combined. All combined transactions must be made under the same Card account. Cardholders must apply at least 10 working days before payment due date of the transaction(s), as printed on the monthly statement (applications apply to transaction(s) made within recent 2 months) and keep the related sales slip as well as the invoice of related merchants for proof. For the monthly handling fee and its respective APR, please please click here. Dah Sing Bank has the right to accept or reject an installment plan application without the need to provide reasons. In case of any dispute, the decisions of Dah Sing Bank shall be final. This installment plan shall be subject to the terms and conditions of "Jetso Installment" and the related terms and conditions can be downloaded here, or call 2828 8168 for details.
IV. For payment with Dah Sing APITA UNY Card, a service fee of 1% of the payment amount will be charged (applicable to pre-registration merchants only). For the information of payment merchant list, please click here.
 
TERMS AND CONDITIONS OF WELCOME GIFT:
  1. This offer is exclusively for customers who newly apply for Dah Sing APITA UNY Principal Card from now to 31 December, 2008 ("Promotion Period"). Each Principal Cardholder can enjoy the offer once only.
  2. HK$200 APITA UNY Gift Certificate: Applicant who has successfully applied for Dah Sing APITA UNY Card Principal Card during the Promotion Period will be entitled to HK$200 APITA UNY Gift Certificates by accumulating a spending and/or cash advance of HK$2,000 or above within the first 2-month of card issuance.
  3. The retail purchase and cash advance of Supplementary Cardholder will be counted towards the Principal Cardholder's account. The welcome gift is applicable to new Principal Cardholders who didn't hold or cancel Dah Sing APITA UNY Principal Card in the past 12 months. In case the applicant applies for more than one Principal Card, only ONE welcome gift will be offered. Accumulated spending includes retail transactions, cash advance, "Cash-in" Plan amount, Balance Transfer amount, Credit Card Cheque transactions, bill payment amount, Interest-free Installment transactions and Octopus Automatic Add-Value amount, excluding bank handling fees (including annual fees, financial charges, late fees and cash advance handling fees), casino transactions, unposted/ cancelled/refunded and unauthorized transactions. The redemption letter regarding the welcome gift will be sent to the eligible Principal Cardholder within 6-8 weeks upon fulfilling the spending requirement and the relevant Credit Card Account must be valid and in good standing status at the time of issuing the redemption letter, otherwise Cardholder will not be entitled to the welcome gift.
  4. The welcome gift is on a first-come-first-served basis while stock lasts. In the event that a gift item is out of stock, the Bank reserves the right to substitute the welcome gift with another offer. All welcome gifts shall be redeemed with the original redemption letter within the designated redemption period and redemption will be forfeited upon letter expiry. The welcome gift cannot be redeemed for cash or transferred. The Bank does not warrant the quality and quantity of the products provided by the merchants. The Bank and the participating merchants reserve the final right to amend these terms and conditions or terminate the promotion at any time without prior notice.
  5. If client cancels his/her new Dah Sing APITA UNY Principal Card within 13 months from card-issuance, the Bank reserves the right to debit a handling fee of HK$300 to the relevant Principal Card without prior notice.
  6. All matters and disputes will be subjected to the final decision of the Bank and participating merchants.
  7. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.