Eligible cardholders will receive a travel voucher code on completion of eligible spends within the first 3 month of subscription.

Transcription

1 Frequently Asked Questions Emirates NBD Fly For Free Promotion effective 10th September 2017 I. PRE-BOARDING 1. What is the acquisition offer on Emirates NBD credit cards? New to bank customers boarded effective 14th September until up to 30th Nov 2017 who apply for the below products are eligible for the Fly For Free promotion on an Opt-in basis: a) b) c) d) e) f) g) Emirates NBD Infinite Credit Card Emirates NBD Business Credit Card Emirates NBD Go4it Platinum Emirates NBD Platinum Credit Card Emirates NBD Titanium Credit Card Emirates NBD Go4it Gold card Emirates NBD Manchester United Credit Card Fly For Free Travel voucher code on successful application Eligible cardholders will receive a travel voucher code on completion of eligible spends within the first 3 month of subscription. Name of the Product Spend Amount in the first 3 months Emirates NBD Infinite Credit Card AED 40,000 Emirates NBD Platinum Credit card AED 20,000 Emirates NBD Go4it Platinum credit card AED 20,000 Emirates NBD Business Credit Card AED 20,000 Emirates NBD Titanium credit card AED 10,000 Emirates NBD Gold credit card AED 10,000 Emirates NBD Manchester United credit card AED 10,000 This travel voucher will entitle the customer to travel to any one of the select destinations from among the various destinations offered as per the product chosen by the customer.

2 2. What is the validity period of the above offer? Fly For Free offer is valid from 10th September to 30th November Who is eligible for the Fly for Free promotion? Fly For Free offer is valid for all customers applying from 10th September to 30th November 2017, and have opted-in for the promotion based on the eligible products. The offer is not valid for renewal, replacement cards or customers who have canceled and reapplied for a card in the last six months. 4. What are the key highlights of the promotion? The key highlights of the promotion is as below: Free for Life Credit Card ( Free for First Year for Business Card). Free return flight to select destinations number of destinations determined by the product type All other benefits applicable on the product type chosen. No Rewards Earnings for the first 3 months of the campaign period. Upon qualification, customer gets a voucher code to book his travel. Travel is arranged by a third party and booking is through a third party site. Customer to do required confirmations to the provider within the specified timelines to ensure booking is confirmed. Voucher issued is in the customer s name and is non-transferrable and non-refundable and is for one time use within 30 days of receipt. Travel Voucher will be ed to the customers registered within 45 days of achieving the spend amount. The travel voucher is not recommended for Emergency or a fixed date travel. Expired vouchers cannot be re-validated under any circumstances. Cancelation of the card prior to one year of the card boarding will attract a cancelation fees of AED What is the eligibility for the Fly For Free travel voucher codes? To be eligible to receive the voucher code cardholder must achieve the spend requirement, as per the specific product type, within the first 3 months of the card issuance and card account should not be in delinquent status. Cardholders will be excluded from receiving the vouchercodes even if the qualifying criteria is met but the card account is in delinquent status. II. POST BOARDING, ACTIVATION & INITIAL SPENDS TO QUALIFY 6. Which type of spends qualify for the promotion? The travel voucher will be awarded only for domestic and international retail spends made in the first 3 months. Spends on both primary and supplementary cards qualify as eligible spends. Cash Transactions (including transactions deemed to be cash transactions), Late Payment Charges, Finance Charges, Joining Fee, Annual Membership Fee, Credit Vouchers, Balance Transfer Bookings, Dial-a-cheque, any internal calculations, etc. are excluded for cumulative retail spends calculation.

3 Transactions that are reversed or canceled will not account towards the spend requirements. Voucher codes will not be awarded to card accounts which fall short of the required retail spends due to reversal or cancellation of transactions. Reversal of transaction after the voucher code has been issued to cardholder will result in equivalent fee towards the cost of travel voucher being debited to the cardholder s card account. 7. Is there a specific criteria to be met before issuance of Travel Codes? Yes as per below: Card should be used for retail spends as per the criteria specified for each card type Cards should not be overdue for payments or in inactive status. Offer is not applicable on renewal & replacement cards. Late Payment Charges, Finance Charges, Joining Fee, Annual Membership Fee, Cash Transactions, Credit Vouchers, Balance Transfer Bookings, Dial-a-Cheque, any internal calculations, etc. are excluded from calculation of spends threshold. 8. Is there any change in the applicable Fee on the cards? There is no change in the fee applicable for the cards. Under the Fly For Free offer the card will be Free For Life for all non-cobranded cards and First year Free for the Business Credit card (excluding the Emirates Business Rewards card). 9. During the first 3 months of the promotion do I receive any reward points? By opting into the Fly for free promotion, you agree to not receiving reward points for your spends in the first 3 months of card issuance. Instead you will receive guaranteed return flight voucher to a selection of destinations of your choice depending on the card type and the spend threshold met. 10. When will I start earning reward points? You will start earning reward points for all retail spends based on the product type after 90 days of subscription, from the end of the Fly for free promotion period. III.REWARD FULFILLMENT PROCESS 11. When will I receive the travel codes? You will receive the travel codes by within 45 days of achieving the required spend threshold. 12. What should I do once I receive the travel code? a. Once you achieve the retail spend required for the respective card, you will receive a travel voucher code by to your registered address this will be sent by the first week of the following month. b. Within 30 days of receiving the travel code, please visit ( and complete the online application (name and ), select departure airport and three chosen destinations along with three dates of travel. You also need to enter your unique travel code to avail the free flights. Please note: The proposed travel dates should be in different months and thirty (30) days apart from each other. After receiving the application, based on availability, a personalized confirmation by will be sent to you within 7 days.

4 Please note: The proposed travel dates should be in different months and thirty (30) days apart from each other. After receiving the application, based on availability, a personalized confirmation by will be sent to you within 7 days. c. The confirmation will contain a personalized link, which you need to click on to complete details (including passport information) pertaining to yourself as well as any additional passengers and upload the passport copies of all passengers. This needs to be done within 48 hours of receiving the d. On completion of document submission, you will receive the final flight offer by within 14 calendar days. e. On receipt of the flight offer, you must notify the Agent within 48 hours (flights can t be held longer and no availabilities can be guaranteed thereafter), as to whether you wish to accept the offer. f. Once the offer has been accepted, you will receive the e-ticket and confirmation. If there are any additional passengers or cost for additional services your flight will be booked after payment for the additional services has been taken. The Agent will contact you to take payment via or phone. 13. Do I have to pay any other charges as part of the booking? The following charges are included as part of the promotion offer for eligible customers: the cardholder s carrier base fare, taxes, passenger duty, fuel surcharges, service charge, and airport fee. All other costs associated with the flight must be borne by the cardholder and are excluded fromthe promotional offer. Such other costs include, but are not limited to: (i) (ii) (iii) (iv) Any baggage or other charges made in connection with the flight or in addition to the fare. Any insurance and / or visa charges. Any additional fees for card payments. Any fees for hotel, car hire, airport transfers, taxis, car park, seat upgrade, food and drink, visas, immigration documents or any other additional services. 14. Can I include other passengers in the same booking? Absolutely, you may add up to three (3) companion passengers to the application and enter their personal details in the online application form. By accepting the flight offer the cardholder may also accept the price offer in respect of any companion passengers included in the same application and listed in the flight offer. The Participant must pay for the companion ticket(s) with the Emirates NBD credit card. 15. Which departure airports are included in this offer? The following airports of departure are available in the UAE: (i) Dubai (ii) Abu-Dhabi

5 16. Can I choose a different airport? The airport destinations are dependent on the departure airport, and not all destinations are available from all listed points of departures. The availability of flights may be limited depending on the chosen destination or travel time. The choice of carrier is at the sole discretion of the Service Provider. The cardholder is not entitled to demand a particular carrier, route or travel date. 17. Is the offer available on all days, including holidays? All flights are subject to booking availability. This promotional offer is not valid for journeys over Eid, on Christmas Day and New Year s Day. Some periods (e.g. religious and school holidays) and dates may be restricted depending on the chosen destination and travel time. The availability of flights may also be restricted by special events, trade fairs or local holidays. 18. Is there any limitations for the offer s usage? Each free flight application is limited for a single use. The right of a free flight is valid per person, booking and flight. Only one (1) free flight can be redeemed per person and household. Free flights cannot be used in combination with each other. 19. Can I choose the airline or route? This promotional offer does not entitle the cardholder to travel via a particular route, carrier or on a particular date and the cardholder may be offered an alternative destination or travel date to the one requested. 20. When should I do the booking, and for how many days? All travel (departure and return) must be completed within 11 months from the time of booking. The minimum stay is three (3) calendar days. The maximum stay is thirty (30) calendar days. For reasons of availability of your requested flight, your application must be received at least 45 days before your first travel date (first given departure date). The three travel dates must be at least 30 days apart from each other. The free flight offer is not valid for journeys over Eid and on Christmas Day and New Year s Day. The availability of flights may also be restricted by special events, trade fairs or local holidays. 21. What happens if I need to cancel the booking? No changes or cancellations can be made once the e-ticket has been issued. In case of emergency, the ticket can be cancelled, however there will be no refund. Both Emirates NBD and the organiser do not accept liability for changes to flight schedules, routes or destinations, customer emergency, or missed flights; and reserve the right to use other service providers as an alternative. In the event of war, earthquake, disaster or similar acts of god, or otherwise where there are circumstances wholly outside the reasonable control of the Promoter and only where circumstances make this unavoidable, the Promoter reserves the right to withdraw this promotion without notice and without offering compensation. The right of the cardholder and any person travelling with the Participant to claim compensation is subject to carrier regulatory provisions. Both Emirates NBD and organiser are not liable for compensation related to failures by the carrier.

6 22. Can I exchange this offer against cash? No cash alternative will be offered in exchange for the promotional offer. Each promotion offer is limited for a single use and only one (1) free flight may be redeemed per person, booking and flight. 23. Can I transfer the travel code/booking or book for someone else? Code and confirmations received are personal and non-transferable. Bookings cannot be requested or made for by third party, and flights may not be booked by third party. 24. Do I have to submit proof of purchase (if any)? The Service Provider reserves the right to request a proof of promotion enrollment from the Participant. Service Provider reserves the right to verify all claims, check the content of all applications and registrations to ensure the Participant s compliance with these Terms & Conditions and to refuse to award a flight or withdraw flight entitlement where there are reasonable grounds to believe there has been a breach of these Terms & Conditions or any instructions forming part of this promotion entry requirements or otherwise where a Participant has gained unfair advantage in participating in the offer or claimed using fraudulent means. 25. Do I have to upload my passport details? Yes. You will need to upload your passport and the passports of all passengers travelling in the second step of your application. All passports need to be valid for at least 6 months from the return date of any flight. 26. Will I receive promotional s from the service provider? Personal data captured during the course of the promotion shall be processed in accordance with applicable data protection laws and regulations. The personal data shall be processed for the purpose of execution of this promotion. No personal data shall be passed to third parties except where these are required for booking and other promotion fulfilment purposes. 27. What happens if I lost the travel code/booking information? Both Emirates NBD and the organiser shall not accept any responsibility for claims lost and delayed or for those claims not received by the application cut-off. It is the cardholder s responsibility to ensure that correct details are provided for claims to be processed. Both Emirates NBD and the organiser will not be liable for any traffic congestion or internet inaccessibility. 28. If I have an issue or query about the service, who should I contact? Participants who have queries or feedback about the promotion may contact the Service Provider using the contact form on the campaign website or alternatively call by phone or the Service Provider at the corresponding address.

7 29. How do I amend my booking information? Cardholders acknowledge and accept that failure to comply with the provision of the documentation and information in accordance with the terms and conditions of this agreement, will cause the cardholder to lose his/her right to receive the free flight ticket without liability incurred to Emirates NBD and / or the organiser. You may contact the Service Provider using the contact form on the campaign website or alternatively call or the Service Provider at the corresponding address for further clarification. 30. Which destinations can I travel to? Destinations vary based on the product you have chosen to apply If you have applied for the Emirates NBD Infinite Credit Card required spend to be met within 90 days as per the offer is AED 40,000 and you are eligible to travel to: Amman Hong Kong London Athens Islamabad Madras Bahrain Istanbul Manila Bangkok Jakarta Moscow Beirut Jeddah Mumbai Berlin Karachi Munich Budapest Kiev Muscat Cairo Kochi Prague Colombo Kolkata Riyadh Dammam Kuala Lumpur Rome Delhi Kuwait Singapore If you have applied for Emirates NBD Platinum Card OR Emirates NBD Go4it Platinum Card OR Emirates NBD Business Card, then your 90 day spend requirement is AED 20,000 and you are eligible to travel to: Amman Hong Kong Madras Athens Islamabad Moscow Bahrain Istanbul Manila Bangkok Jakarta Mumbai Beirut Karachi Muscat Cairo Kiev Riyadh Colombo Kochi Singapore Dammam Kolkata Delhi Kuwait

8 If you have applied for Emirates NBD Manchester United Card OR Emirates NBD Go4it Gold Card OR Emirates NBD Titanium Card, then your 90 day spend requirement is AED 10,000 and you are eligible to travel to: Amman Dammam Kolkata Athens Delhi Kuwait Bahrain Istanbul Manila Beirut Kiev Mumbai Cairo Karachi Muscat Colombo Kochi Riyadh 31. What is the minimum and maximum stay at my destination? The maximum stay at your destination is 30 days. The minimum stay is 3 days. 32. Can I give my free flight away to a friend or partner? No. Vouchers are personal and non-transferable. Bookings cannot be requested or made by third parties and flights may not be booked by third parties using the name of the participant. 33. What class of ticket is provided? The offered ticket is Economy class. Should you wish any other class, please send a request to the Organizer, who can inform you about the cost to upgrade to a different class, where this is possible. 34. Is there a cash alternative to my flight voucher? No. The voucher cannot be exchanged for cash and has no cash value. 35. My Friend has also been qualified for the promotion, can we fly together? No. Booking will vary based on the 3 selected dates & 3 destinations for each cardholder, hence the possibility of flying together cannot be accommodated. You can only use one travel voucher for each cardholder. 36. Can I change or cancel my offer/booking? No changes or cancellations can be made once the e-ticket has been issued. In case of emergency, the ticket can be cancelled, however there will be no refund. 37. I have received my travel code but haven t used it. Since I have not received any reward points for my retail spends and I have not used my travel code can I get the reward points back Unfortunately if the travel codes are not used the codes gets forfeited and no other alternatives can be provided. Also basis the Opt-in clause you have signed for, rewards accrued for the 90 days will be forfeited as well.

9 IV. TRAVEL RELATED 38. I wish to take a stopover at a place on route to my destination. Is this possible? No, this is not possible. 39. My parents who will accompany me for the travel, for whom I will purchase the tickets, need special assistance. What should I do? Please contact the organiser with the requirement. Such assistance is not guaranteed and will depend upon availability and carriers rules. 40. Can I gift my voucher to my spouse? Voucher cannot be gifted to anyone. 41. I did not get the confirmation mail for the registration. What should I do? Please contact the organizer using the contact form on the campaign website -for-free.com or at fly-for-free@inspire .co.uk for the confirmation mail. 42. I missed confirming the offer within 48 hours. What should I do now? If confirmation was not received within 48 hours, then the offer will no longer be valid. 43. I lost my luggage / there was delay in flight at the originating airport. What should I do now? This promotion does not cover any emergencies. Specific carrier rules will be apply. Promotor OR organiser will not be held responsible. Please contact the representatives of the airline you flew with at the airport. 44. Can I chose a destination which is of lower cost / flight hours, from the list of destinations I am eligible for? You will be given 3 options with 3 different dates, based on which the organiser will confirm one of them. You cannot change the destination once chosen and submitted 45. Can I take two primary cards and get two travel vouchers? No, you cannot. Booking will vary based on the 3 selected dates & 3 destinations for each cardholder, hence the possibility of flying together cannot be accommodated. You can only use one travel voucher for each primary cardholder. 46. What if I take a primary card along with my wife applying for another one in her own way can we club our vouchers and travel together? You cannot club vouchers for two primary cardholders. 47. I accidently deleted the which had the voucher code. What should I do now? Please contact us in order to retrieve the code and resend it to your registered I accidently deleted the which had the e-ticket. What should I do now? Please contact the organiser using the contact form on the campaign website or at fly-for-free@inspire .co.uk to retrieve the e-ticket mail.

10 49. I do not like the flight confirmation you have send me. The timings / carrier / schedule does not suit me? Once the ticket is issued, it cannot be changed. 50. Can I upgrade my ticket to business / first class? Subject to availability, and by paying the difference in fare, this can be done. Please contact the organiser and make this arrangement. 51. Will I get a direct flight OR will I be issued stop over flights with long layovers? A direct flight is very likely to most destinations but the organiser can t guarantee this, as not all destinations are available nonstop from all airports. In case the organiser offers a flight with a stopover, it will always be a marketed connection meaning only connections the airline itself is offering as one flight to the final destination. V. MISCELLANEOUS 52. How do I know I am enrolled for the program? Will I get a confirmation ? You will receive an confirmation to the address registered in our records that you are now enrolled in the Fly For Free promotion. 53. How do I know if I have achieved the needed spends? You will receive an congratulating you on reaching the required spend to be eligible for the Fly For Free offer. 54. If I have not opted in for the promotion initially, can I change my mind and Opt-in at a later date? Opting-in can only happen at the time of application. If that was not selected, then there is no option to opt-in at a later stage. 55. If I have opt-in for the promotion, can I change my mind and opt-out of the promotion at a later date? Opt-in OR Opt-out can only happen at the time of application. There is no option to opt-out at a later stage. 56. Can I upgrade to a higher product at a later date if I have originally chosen a lower product? Yes, you can upgrade your card to a higher product, prior to the issuance of the voucher code. Once the voucher code is issued, then the product type cannot be changed. If you upgrade to a higher product, you will need to achieve the higher spends needed to qualify for the voucher as per the requirements of the particular higher product chosen by you. 57. Can I downgrade to a lower product if I have originally opted for a higher product? No, you cannot downgrade your card to a lower product for one year, from the date of application.

11 58. I have an existing card with Emirates NBD. Can I also opt-in for the program? This offer is only for new customers applying during the promotion period. 59. I have an existing card with Emirates NBD. Can I apply for another card and be part of the program? You can apply for another card, subject to incremental limit eligibility. 60. I have an existing card with Emirates NBD. Can I convert my card to one of the eligible cards and be part of the program? No, you cannot. If you have eligibility for incremental limit, you may choose to take an additional card, as per the bank s policy in this regard. 61. I have an existing card with Emirates NBD. Can I cancel my card and apply for a new card from among the eligible cards? No, you cannot. You have eligibility for incremental limit, you may choose to take an additional card, as per the bank s policy in this regard. 62. Can I transfer balances from my other bank card to meet the spend requirement as per your balance transfer program? No, you cannot. The spend requirement does not include balance transfer. 63. How soon I need to opt-in after taking the card? The opt-in happens at the time of application. 64. What about other benefits on the card. By subscribing to the promotion do I forfeit all benefits on the card along with reward points for the 90-day period? The card will come with the respective benefits, excluding only the rewards option. 65. How do I activate the promotion on my card? Do I need to do anything before I start spending? Once you opt-in for the promotion at the time of applying for the card, you are automatically enrolled. 66. Can I meet the required spend in the last 5 days of the 90-day period? You will need to reach the required spend threshold within the promotion period, at any time. 67. What happens if I meet the required spend within a week of subscription? Do I get to travel ASAP? Once you reach the required spend threshold, you will be entitled to receive the travel code by the first week of subsequent month. If you follow the fulfillment steps, then you can travel. Please refer to question 12 for the fulfillment process. 68. How much time do I have to meet the spend requirement? What if I miss the spend requirement by a minor margin / a few day? You need to reach the exact spend threshold within 90 days of the opening date to be eligible for the Fly For Free promotion. There will be a spend sent to your registered address after 45 days of card issuance to confirm the amount spent as of that date. You can also contact us for inquiries on the spend requirement.

12 69. What category of spends are excluded from the promotion? Spends flagged as cash are excluded from the promotion. 70. How do I activate accrual of spends after the initial 90-day period? Will this happen automatically? Once the promotion period is over, rewards will automatically be activated on the card. 71. Can I spend in foreign currency through cross border transactions? Yes, you can. International transactions will be treated as retail transactions and included in the spend threshold. 72. Do I need to make full payment of all spends done to qualify within 90 days? You need to make at least the minimum payment of 5% every month to be eligible for the promotion. 73. I did not get the voucher code on my . What should I do? Please contact us in order to retrieve the code and resend it to your registered What should I do if I received invalid voucher code / the link isn t working? Please contact the organiser using the contact form on the campaign website or at fly-for-free@inspire .co.uk. 75. How secure is this Service Provider website? Do they have access to my card details? The website is ISO compliant, which represent the highest standard of safety and security. The website does not capture credit card details as part of the fulfillment process.