TERMS AND CONDITIONS OF MEVAS Little Twin Stars VISA CARD PROMOTION (WELCOME GIFT)
  1. Little Twin Stars Travel Trolley: Applicant who has successfully applied for Principal MEVAS Little Twin Stars VISA will be entitled to a Travel Trolley by accumulating a retail purchase or cash advance of HK$2,000 or above within 2-month of card issuance. The retail purchase or cash advance of Supplementary Cardholder will be counted towards the Principal Cardholder's record. The welcome gift is applicable to new Principal Cardholder only. In case the applicant applies for more than one Principal Card, only ONE welcome gift will be offered. 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.
  2. Up to HK$60,000 and 15 months Interest Free Cash in Plan Instalment Offer: This offer is only applicable to the brand-new Principal MEVAS Bank Credit Card Cardholder; Cardholder who has terminated any MEVAS Credit Card (whatever the Principal Card or Supplementary Card) before 12 months from the date of this Promotion Period or who currently owns any MEVAS Credit Card, he/she will not be entitled to this offer and will be arranged to have Little Twin Stars Travel Trolley as a welcome gift, and customer have to fulfil the spending requirement in order to get the welcome gift (Please refer to the above item(1) for the terms and conditions). The minimum amount for "Interest Free Cash-in Installment" is HK$3,000 while the maximum is HK$60,000 (depends on the approved credit limit of Dah Sing Credit Card account).. MEVAS Bank ("the Bank") has the absolute discretionary right to determine "Interest Free Cash in Plan Instalment" amount. "Interest Free Cash in Plan Instalment" amount reply slip will be mailed to the Principal Cardholder within one month whilst designated Card has been approved, applicant is required to return the reply slip and required document within 60 days upon card issuance. While the Bank received the reply slip, the Bank will credit the approved "Interest Free Cash in Plan Instalment" amount to the applicant's designated personal Hong Kong dollar currency bank account ("the Relevant Account") within 7 working days. Amount receivable bank may deduct the handling fee from the Relevant Account. If the Plan is early settled or cancelled by Customer for whatever reason, the Bank reserves the rights to charge the Customer HK$300 Installment Plan Cancellation fee. The Bank is not liable for the mentioned handling fee or any interest or other expense caused by this. The applicant has to arrange the amount with receivable bank for the expense or interest directly (if applicable). The Bank will debit the Credit Card Account with the approved "Interest Free Cash in Plan Instalment" amount by 15 consecutive monthly instalments, commencing from such date as the Bank may prescribe at its discretion. The Bank will debit an amount equivalent to the "Interest Free Cash in Plan Instalment" amount from the credit limit of the Credit Card Account until the last instalment has been debited. The Bank will proportionally increase the deducted credit limit every month after the Bank successfully debits the Credit Card Account with the instalment amount due. On default of payment of any moneys due under the Credit Card Account or in case of breach of any provisions of the applicable terms and conditions governing the use of MEVAS Credit Card Cardholder Agreement ("Agreement") or any of these terms and conditions by applicant or in case of cancellation or termination of the Credit Card Account or "Interest Free Cash-in Plan Instalment" for whatever reason, all outstanding instalments or balance or moneys owing under these terms and conditions shall immediately due and payable by applicant and shall at the absolute discretion of the Bank, be debited against the Credit Card Account. Therefore, the Agreement shall apply to all the said installments or balance. The Bank has the right to accept or reject any application without providing any reasons; "Interest Free Cash-in Plan Instalment" is not applicable for "Cash Reward Scheme". Notwithstanding the other provisions in these terms and conditions, the Bank shall be entitled at any time with notice to the applicant to suspend or terminate "Interest Free Cash-in Plan Instalment". These terms and conditions shall form part of the Agreement and shall be construed accordingly. In case of any conflict between these terms and conditions and the Agreement, these terms and conditions shall prevail.
  3. Bonus Point Scheme – Every HK$1 you spent with your Little Twin Stars VISA Card will earn you one Bonus Point. You can earn double bonus points whenever the transaction is made on your birthday. Spending includes retail transactions and Octopus AAVS amount only, excluding cash advance, casino transaction, balance transfer, "Cash-in Plan" Amount, Bill Payment Net amount, financial charges, handling fees, interest-free installment transaction, and unposted/cancelled/refunded and all unauthorized transactions.
  4. Successfully apply on or before December 31, 2008, applicants who accumulate retail spending or cash advance of HK$30,000 or above (authorized transaction) from now till December 31, 2008 are eligible for a Medical Check Up for FREE. In case the applicant applies for more than one Principal Card, only ONE Medical Check Up will be offered. The gift redemption letter will be sent to Principal Cardholders within one month upon meeting card spending requirement. Accumulated spending includes retail transactions, cash advance, "Cash In Plan", balance transfer, Bill Payment Net amount and interest-free installment amount and AAVS amount but not include bank handling fees (including annual fee, finance charges, past-due handling fee, and cash advance charges), casino transaction and unposted/cancelled/refunded and all unauthorized transactions.
  5. To enjoy the offers, Cardholder must present MEVAS Little Twin Stars VISA 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.
  6. "Cash-in Plan": This plan is only applicable to Principal Cardholder and is only applicable to local personal bank account holder. (Not applicable to joint accounts and supplementary cardholder). No Bonus Point will be awarded for this plan. MEVAS Bank will charge monthly handling fee equals to a specified percentage of the approved amount. Please refer to the promotional leaflet for the updated handling fee.
  7. "Jetso Installment" Plan is only applicable to transaction(s) valued at HK$800 (combined transaction applies) or above. 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. Please refer to the webpage of MEVAS Bank for the monthly handling fees and related annual interested rates. MEVAS Bank reserves rights to accept or reject an installment plan application without the need to provide reasons. In case of any dispute, the decisions of MEVAS Bank shall be final. This installment plan shall be subjected to the terms and conditions of "Jetso Installment" and the related terms and conditions can be downloaded from www.mevas.com or call 3101 3838 for details.
  8. Comprehensive E-banking Services: For prepayment with MEVAS Little Twin Stars VISA Card, a service fee of 1% of the payment amount will be charged (It is only applicable to the pre-registered merchants). No Bonus Point will be awarded for the e-banking services. For information of the merchant list, please visit www.mevas.com.
  9. The quantity of the welcome gift is on a first-come-first-served basis while stocks last. 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, it will be invalid upon expired. 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.
  10. If Cardholder cancel the credit card account within 13 months of card issuance, the bank reserves the rights to charge a handling fee of HK$200 from the credit card account without any prior notice.


General Terms & Conditions:
  • MEVAS Bank does not warrant the quality of the products and services provided by the participating merchants. The participating merchants shall be solely responsible for all effects and consequences of the products and services.
  • MEVAS Bank reserves the final rights to amend these terms and conditions at any time without prior notice. In case of any disputes, the decision of MEVAS Bank shall be final.
  • All matters and disputes will be subjected to the final decision of the Bank and participating merchants. The above gift pictures are for reference only.
  • The annual interest rate of retail transactions and cash advance of the MEVAS Little Twin Stars VISA Card are 23.80% 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 25.60% and 28.09% respectively.
  • MEVAS Bank reserves the rights to make the final decision on the approval of Credit Card, Balance Transfer, "Cash-in Plan", "Merchant Installment" and "Jetso Installment" Applications.
 

In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.