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6% Cash Back on Overseas Spends - Terms and Conditions

• This Cash Back Programme is applicable to all Mashreq Credit Cards issued in the UAE.
• This Programme is valid only for overseas spends (spends made in foreign currency) made by the Cardholder using his/her Mashreq credit card between 1 July 2010 and 30 September 2010. Transactions made by supplementary cardholders overseas, if any, are also eligible for this Programme. Transactions made in United Arab Emirates Dirham will not be eligible for cash back in this Programme.
• In order to get Cash Back, the principal Cardholder is required to register for this Programme by sending an SMS with the word HOLIDAY to 4250 from the Etisalat mobile number registered with the bank. Customers can also register by logging on to Mashreqonline. Cardholders who do not register will not be eligible for this Programme.
• The maximum Cash Back amount granted is One Thousand Eight Hundred UAE Dirham (AED 1800) per principal customer per calendar month. Cash back will be calculated on the dirham value of the transaction after converting the foreign currency transaction into dirham as per the applicable currency conversion rate. The Cash Back is calculated on overseas transactions made by the Cardholder using his/her Mashreqbank credit card from the 1st day to the 31st day of each calendar month starting from the month of registration.
• The Cash Back will be credited to the customer’s credit card account in UAE dirham once every calendar month, at least sixty (60) days after the transaction date. If the Cardholder has more than one active principal credit card, the Cash Back will be credited to one of the cards.
• The Cardholder’s Mashreq Credit Card(s) should be active without any incidence of late payment or over limit from the start of this Programme.
• Any disputed purchase transactions, reversals and/or refunds will not be applicable for this Programme.
• Cash Back will not be credited if Mashreqbank, in its absolute discretion reasonably believes that in order to protect Mashreq’s interests it is essential to terminate the Cardholder’s Mashreq credit card account.
• It is the Cardholder’s responsibility to ensure that he/she provides the correct and valid contact and address information to Mashreqbank in order to ensure registration for this Programme.
• Mashreqbank reserves the right, at its absolute discretion, to amend and/or supplement these terms and conditions at any time without any prior notification to the Cardholder. Any such amendments or supplements shall be provided on Mashreqbank’s website: www.mashreqbank.com/cards.
• These Terms and Conditions are in addition to the standard Mashreqbank credit card Terms and Conditions.
• These terms and conditions are governed by and construed in accordance with the laws of the United Arab Emirates and the Emirate of Dubai.
• In no event shall Mashreqbank, any of its affiliates, or any of its officers, directors, employees or agents be liable or responsible for any loss, damage or expense arising out of or otherwise related to this Programme.
• Mashreqbank does not offer or provide any warranties, or accept any responsibility or liability of any kind in respect of this Programme and hereby disclaims any and all express or implied warranties with respect of the same.
• Mashreqbank shall not be in breach of its obligations or otherwise be liable to conduct this Programme as a result of any Force Majeure Event. A Force Majeure Event in these terms and conditions, shall mean circumstances beyond the reasonable control of Mashreqbank including, amongst other things, acts of God, industrial disputes, acts and regulations of any governmental  or authority in any jurisdiction. In such circumstances, Mashreqbank’s obligations to the Cardholder shall automatically stand discharged without the need to provide notice.