Enrollment and Fees. Enrollment and Fees If you have a Green Charge Card, for each year that you participate in the Programme, you will be charged an annual fee of £24 including VAT. This will be applied to your Card Account as a purchase transaction the day after you initially enrol in the Programme and on or shortly after the anniversary of that date each year. You may exit the Programme, and the agreement governed by these Terms and Conditions, at any time. Please see the What happens if you end your Card Account? section below in relation to what happens to your points when you exit the Programme. About earning Points How you earn Points You earn a set amount of Points for each pound of eligible spend on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Points. We may contact you about this to ensure that you can benefit from the Programme (as explained in the 'About additional benefits and other products' section of the agreement for your Card Account). We will maintain a Points Account for you. Points are earned on every full pound spent in each purchase and will be added to your Points Account. We will tell you the balance in your Points Account on your Card Account statement. The value of each purchase will be rounded down to the nearest pound before Points are calculated. Supplementary Cards issued on your Card Account will also earn Points. Linked Cards If you have more than one Card (as the main Cardholder) eligible to be enrolled in the Programme, you can ask that they are 'linked' in order that Points earned on all your Cards will go into the same Points Account (Linked Cards) provided that they are billed in the same currency. We reserve the right to de-link your Cards at any time and we will tell you before we do. Which Card Account balances do not earn Points? No Points will be earned on: • interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently credited to your Card Account by way of refunds or other types of credits. About redeeming Points How do you redeem Points? The rewards and ways to use your Points are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers from time to time. You can also call Customer Services on 0845 604 2839. Supplementary Cardholders will not be able to redeem Points on your behalf. Below we set out the different types of ways that you can generally redeem your Points. In order to redeem or purchase Points, please visit our website or call Customer Services. You will be unable to redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date and provided it has not been cancelled, you will be able to redeem Points again. You can purchase extra Points up to a maximum of 10,000 per year. You must purchase Points in increments of 1,000 Points with a minimum purchase of 1,000 Points. If you want to purchase Points, we will provide the purchase cost when you contact us. We may impose different maximum and minimum purchases from time to time. Once you have asked us to redeem your Points this is non reversible. Points are not redeemable for cash or a credit to your Card Account, except as set out in these Terms and Conditions. There may be some addresses (normally overseas) to which certain rewards may not be able to be shipped. Redeeming Points for goods, gift cards, gift certificates, E- You can redeem Points for goods, gift cards, gift certificates, E-Codes (codes to redeem for goods or services online) , including for car rentals and hotels, and contributions to charities of types we make available to you. Codes and donations to charities You should check the Terms and Conditions that are given to you with these rewards for important conditions such as expiry dates and any refund policies. Transferring Points to Point Transfer Programmes You can opt for some or all of your Points to be added to a separate account with an airline or hotel loyalty programme (called a Point Transfer Programme). You can ask us to transfer Points to your Point Transfer Programme on our website or by contacting Customer Services. To be able to do this, you must first link your Points Account to the Point Transfer Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Point Transfer Programmes. Redeeming Points for credit You can redeem Points for a credit to your Card Account. A Points conversion rate will apply which we will tell you when you contact us to arrange the redemption or you can find it on our website. The credit will appear on your Card Account approximately three days after you have asked us to redeem the Points. You cannot redeem Points for credit if you already have a credit balance on your Card Account or if you are late in making payment on your Card Account. If you redeem Points for credit, you must still pay the amount due on your statement. TripFlex rewards The TripFlex rewards option allows you to redeem Points towards Qualified Travel Purchases you have made on your Card Account. A Qualified Travel Purchase is a purchase made with a travel retailer we have designated as a qualifying retailer (such as certain airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators or online travel websites). You can find more details of the TripFlex rewards programme and additional Terms and Conditions which apply on our website. You can redeem Points against the amount on your Card Account, including related taxes, booking fees, airport fees and insurance premiums. You can redeem a minimum of 1,000 Points against some or all of a Qualified Travel Purchase up to three months after making the purchase. Depending on when you redeem the Points, the credit may be applied to your Card Account in a statement period after you made the Qualified Travel Purchase. Travel bookings You can redeem Points for travel booked through American Express Travel Services. If you redeem Points for travel, you are responsible for taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part of your card benefits may not cover the travel booked with Points. Please see the Terms and Conditions of any card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through American Express Concierge if your Card allows this service. All concierge bookings are subject to availability. Pay with Points You may be able to use your Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to pay with Points. The purchase may initially be charged to your Card Account as a normal purchase. If so, we will then debit the Points from your Points Account and credit your Card Account with the corresponding amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points redeemed do not cover the entire amount of the purchase, the balance of the purchase price will remain on your Card Account. Any refunds for purchases made using Pay with Points will be subject to the retailer's own refund policies. When you might lose Points you have earned Losing your Points If you miss a monthly payment on your Card Account, the Points that you have earned in the previous month will be forfeited and taken away from the balance of your Points Account (this may result in a negative Points balance). You will start earning Points again from each statement date but they will continue to be forfeited whenever the relevant monthly payment is not made by the Payment Due Date. What happens if you end your Card Account? If you end your Card Account agreement and there are no other Linked Cards on your Points Account, or if you end these Terms and Conditions, you will have 30 days from the date you request this to redeem your Points. You can also transfer them to another Points Account, including transferring to a Points Account held by someone else (for a fee that we will inform you of at the time). If you do not transfer or redeem your Points within 30 days, they will be forfeited. If you end your Card Account and leave at least one other Linked Card in the Programme open, you will continue to earn Points in your Points Account with those Linked Cards. What happens if we cancel or end your Card Account? If we cancel or end your Card Account in accordance with the Card Account agreement, you will lose the Points that you have earned but not yet redeemed, unless you have another Linked Card in the Programme. Other important information Changes to these Terms and Conditions We may change these Terms and Conditions, including the Earn Rate, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Ending these Terms and Conditions We may end the agreement governed by these Terms and Conditions if we cancel or end your Card Account in accordance with the Card Account agreement. We may also end the agreement governed by these Terms and Conditions by giving you at least 30 days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include changing your Card Account to a different product in accordance with the Card Account agreement or replacing these Terms and Conditions with a new set of Terms and Conditions that cover different benefits.
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Enrollment and Fees. Enrollment and Fees If you have a Green Charge Card, for each year that you participate in the Programme, you will be charged an annual fee of £24 including VAT. This will be applied to your Card Account as a purchase transaction the day after you initially enrol in the Programme and on or shortly after the anniversary of that date each year. You may exit the Programme, and the agreement governed by these Terms and Conditions, at any time. Please see the What happens if you end your Card Account? section below in relation to what happens to your points when you exit the Programme. About earning Points How you earn Points You earn a set amount of Points for each pound of eligible spend on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Points. We may contact you about this to ensure that you can benefit from the Programme (as explained in the 'About additional benefits and other products' section of the agreement for your Card Account). We will maintain a Points Account for you. Points are earned on every full pound spent in each purchase and will be added to your Points Account. We will tell you the balance in your Points Account on your Card Account statement. The value of each purchase will be rounded down to the nearest pound before Points are calculated. Supplementary Cards issued on your Card Account will also earn Points. Linked Cards If you have more than one Card (as the main Cardholder) eligible to be enrolled in the Programme, you can ask that they are 'linked' in order that Points earned on all your Cards will go into the same Points Account (Linked Cards) provided that they are billed in the same currency. We reserve the right to de-link your Cards at any time and we will tell you before we do. Which Card Account balances do not earn Points? No Points will be earned on: • interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and • any amounts that are subsequently credited to your Card Account by way of refunds or other types of credits. About redeeming Points How do you redeem Points? The rewards and ways to use your Points are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers from time to time. You can also call Customer Services on 0845 604 2839. Supplementary Cardholders will not be able to redeem Points on your behalf. Below we set out the different types of ways that you can generally redeem your Points. In order to redeem or purchase Points, please visit our website or call Customer Services. You will be unable to redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date and provided it has not been cancelled, you will be able to redeem Points again. You can purchase extra Points up to a maximum of 10,000 per year. You must purchase Points in increments of 1,000 Points with a minimum purchase of 1,000 Points. If you want to purchase Points, we will provide the purchase cost when you contact us. We may impose different maximum and minimum purchases from time to time. Once you have asked us to redeem your Points this is non reversible. Points are not redeemable for cash or a credit to your Card Account, except as set out in these Terms and Conditions. There may be some addresses (normally overseas) to which certain rewards may not be able to be shipped. Redeeming Points for goods, gift cards, gift certificates, E- You can redeem Points for goods, gift cards, gift certificates, E-Codes (codes to redeem for goods or services online) , including for car rentals and hotels, and contributions to charities of types we make available to you. Codes and donations to charities You should check the Terms and Conditions that are given to you with these rewards for important conditions such as expiry dates and any refund policies. Transferring Points to Point Transfer Programmes You can opt for some or all of your Points to be added to a separate account with an airline or hotel loyalty programme (called a Point Transfer Programme). You can ask us to transfer Points to your Point Transfer Programme on our website or by contacting Customer Services. To be able to do this, you must first link your Points Account to the Point Transfer Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Point Transfer Programmes. Redeeming Points for credit You can redeem Points for a credit to your Card Account. A Points conversion rate will apply which we will tell you when you contact us to arrange the redemption or you can find it on our website. The credit will appear on your Card Account approximately three days after you have asked us to redeem the Points. You cannot redeem Points for credit if you already have a credit balance on your Card Account or if you are late in making payment on your Card Account. If you redeem Points for credit, you must still pay the amount due on your statement. TripFlex rewards The TripFlex rewards option allows you to redeem Points towards Qualified Travel Purchases you have made on your Card Account. A Qualified Travel Purchase is a purchase made with a travel retailer we have designated as a qualifying retailer (such as certain airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators or online travel websites). You can find more details of the TripFlex rewards programme and additional Terms and Conditions which apply on our website. You can redeem Points against the amount on your Card Account, including related taxes, booking fees, airport fees and insurance premiums. You can redeem a minimum of 1,000 Points against some or all of a Qualified Travel Purchase up to three months after making the purchase. Depending on when you redeem the Points, the credit may be applied to your Card Account in a statement period after you made the Qualified Travel Purchase. Travel bookings You can redeem Points for travel booked through American Express Travel Services. If you redeem Points for travel, you are responsible for taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part of your card benefits may not cover the travel booked with Points. Please see the Terms and Conditions of any card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through American Express Concierge if your Card allows this service. All concierge bookings are subject to availability. Pay with Points You may be able to use your Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to pay with Points. The purchase may initially be charged to your Card Account as a normal purchase. If so, we will then debit the Points from your Points Account and credit your Card Account with the corresponding amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points redeemed do not cover the entire amount of the purchase, the balance of the purchase price will remain on your Card Account. Any refunds for purchases made using Pay with Points will be subject to the retailer's own refund policies. When you might lose Points you have earned Losing your Points If you miss a monthly payment on your Card Account, the Points that you have earned in the previous month will be forfeited and taken away from the balance of your Points Account (this may result in a negative Points balance). You will start earning Points again from each statement date but they will continue to be forfeited whenever the relevant monthly payment is not made by the Payment Due Date. What happens if you end your Card Account? If you end your Card Account agreement and there are no other Linked Cards on your Points Account, or if you end these Terms and Conditions, you will have 30 days from the date you request this to redeem your Points. You can also transfer them to another Points Account, including transferring to a Points Account held by someone else (for a fee that we will inform you of at the time). If you do not transfer or redeem your Points within 30 days, they will be forfeited. If you end your Card Account and leave at least one other Linked Card in the Programme open, you will continue to earn Points in your Points Account with those Linked Cards. What happens if we cancel or end your Card Account? If we cancel or end your Card Account in accordance with the Card Account agreement, you will lose the Points that you have earned but not yet redeemed, unless you have another Linked Card in the Programme. Other important information Changes to these Terms and Conditions We may change these Terms and Conditions, including the Earn Rate, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Ending these Terms and Conditions We may end the agreement governed by these Terms and Conditions if we cancel or end your Card Account in accordance with the Card Account agreement. We may also end the agreement governed by these Terms and Conditions by giving you at least 30 days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include changing your Card Account to a different product in accordance with the Card Account agreement or replacing these Terms and Conditions with a new set of Terms and Conditions that cover different benefits.
Appears in 1 contract
Samples: Cardmember Agreement
Enrollment and Fees. Enrollment and Fees If you have a Corporate Card or you have a Green Charge CardCard and pay an annual membership fee of £37.50, for each the following terms apply in addition to those set out in the rest of this document: • Each year that you wish to participate in the Programme, you will be charged an annual fee of £24 (including VAT) if you have a Green Charge Card referred to above, or £36 (including VAT) if you are a Corporate Cardholder. This will be applied to your Card Account as a purchase transaction the day after you initially enrol in the Programme and on or shortly after the anniversary of that date each yeartransaction. • You may exit the Programme, and the agreement governed by also end these Terms and Conditions, Conditions and exit the Programme at any time. Please see the What happens if you end your Card Account? section below in relation to what happens to your points when you exit the Programme. About earning Points How you earn Points You earn a set amount of Points for each pound of eligible you spend on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Points. We may contact you about this to ensure that you can benefit from the Programme (as explained in the 'About additional benefits and other products' section of the agreement for your Card Account)purchases. We will maintain a Points Account for you. Points are earned on every full pound spent in each purchase and will be added to your Points Account. We will tell you the balance in your Points Account on your Card Account statement. The value of each purchase will be rounded down to the nearest pound before Points are calculated. Supplementary Cards issued on your Card Account will also earn Points. Linked Cards If you have more than one Card (as the main Cardholder) eligible to be enrolled in the Programme, you can ask that they are 'linked' in order that Points earned on all your Cards will go into the same Points Account (Linked Cards) provided that they are billed in the same currencycurrency and are all enrolled in the Programme. We reserve the right to de-link your Cards at any time and we will tell you before we do. Points earned on your Corporate Card shall accrue into your own Points Account and not into any account of your employer. Which Card Account balances do not earn Points? No Points will be earned on: • interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and • any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of creditsrefunds. About redeeming Points How do you redeem Points? The rewards and ways to use your Points are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers from time to time. You can also call Customer Services on 0845 604 2839. Supplementary Cardholders will not be able to redeem Points on your behalf. Below we set out the different types of ways that you can generally redeem your Points. In order to redeem or purchase Points, please visit our website or call Customer Services. You will be unable to redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date and provided it has not been cancelleddate, you will be able to redeem Points again. You Unless you only have a Corporate Card enrolled in the Programme, you can purchase extra Points up to a maximum of 10,000 per year. You must purchase Points in increments of 1,000 Points with a minimum purchase of 1,000 Points. If you want to purchase Points, we will provide the purchase cost when you contact us. We may impose different maximum and minimum purchases from time to time. Once you have asked us to redeem your Points this is non reversible. Points are not redeemable for cash or a credit to your Card Account, except as set out in these Terms and Conditions. There may be some addresses (normally overseas) to which certain rewards may we are not be able to be shippedship certain rewards. Redeeming Points for goods, gift cards, gift certificates, E- Codes and donations to charities You can redeem Points for goods, gift cards, gift certificates, E-Codes (codes to redeem for goods or services online) ), including for car rentals and hotelsrentals, hotels and contributions to charities of types we make available to you. Codes and donations to charities You should check the Terms and Conditions that are given to you with these rewards for important conditions such as expiry dates and any refund policies. Transferring Points to Point Transfer Programmes You can opt for some or all of your Points to be added to a separate account with an a specific airline or hotel loyalty programme (called a Point Transfer Programme). You can ask us to transfer Points to your Point Transfer Programme on our website or by contacting Customer Services. To be able to do this, you must first link your Points Account to the Point Transfer Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Point Transfer Programmes. Redeeming Points for credit You can redeem Points for a credit to your Card Account. A Points conversion rate will apply which we will tell you when you contact us to arrange the redemption or you can find it on our website. The credit will appear on your Card Account approximately three days after you have asked us to redeem the Points. You cannot redeem Points for credit if you already have a credit balance on your Card Account or if you are late in making payment on your Card Accounthold a Corporate Card. If you redeem Points for credit, you must still pay the any amount due on your statement. TripFlex rewards The TripFlex rewards option allows you to redeem Points towards Qualified Travel Purchases you have made on your Card Account. You cannot use TripFlex rewards if you only have a Corporate Card enrolled in the Programme. A Qualified Travel Purchase is a purchase made with a travel retailer we have designated as a qualifying retailer (such as certain airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators or online travel websites). You can find a list of qualifying retailers on our website, along with more details of the TripFlex rewards programme and additional Terms and Conditions which apply on our websiteapply. You can redeem Points against the amount on your Card Account, including related taxes, booking fees, airport fees and insurance premiums. You can redeem a minimum of 1,000 Points against some or all of a Qualified Travel Purchase up to three months after making the purchase. Depending on when you redeem the Points, the credit may be applied to your Card Account in a statement period after you made the Qualified Travel Purchase. Travel bookings You can redeem Points for travel booked through American Express Travel Services. If you redeem Points for travel, you are responsible for taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part of your card benefits may not cover the travel booked with Points. Please see the Terms and Conditions of any card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through American Express Concierge if your Card allows this service. All concierge bookings are subject to availability. Pay with Points You may be able to use your Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to pay with Points. The purchase may initially be charged to your Card Account as a normal purchase. If so, we will then debit the Points from your Points Account and credit your Card Account with the corresponding amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points redeemed do not cover the entire amount of the purchase, the balance of the purchase price will remain on your Card Account. Any refunds for purchases made using Pay with Points will be subject to the retailer's own refund policies. When you might lose Points you have earned Losing your Points If you miss a monthly payment on your Card Account, the Points that you have earned in the previous month will be forfeited and taken away from the balance of your Points Account (this may result in a negative Points balance). You will start earning Points again from each statement date but they will continue to be forfeited whenever the relevant monthly payment is not made by the Payment Due Datemade. What happens if you end your Card Account? If you end your Card Account agreement and there are no other Linked Cards on your Points AccountAccount or if you hold a Corporate Card and your employer requests that your participation in the Programme is cancelled, or if you end these Terms and Conditions, you will have 30 days from the date you request this to redeem your Points. You Unless you hold a Corporate Card, you can also transfer them to another Points Account, including transferring to a Points Account held by someone else (for a fee that we will inform you of at the time). If you do not transfer or redeem your Points within 30 days, they will be forfeited. If you end your Card Account and leave at least one other Linked Card in the Programme open, you will continue to earn Points in your Points Account with those Linked Cards. What happens if we cancel or end your Card Account? If we cancel or end your Card Account in accordance with the Card Account agreement, you will lose the Points that you have earned but not yet redeemed, unless you have another Linked Card in the Programme. Other important information Changes to these Terms and Conditions We may change these Terms and Conditions, including the Earn Rate, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Ending these Terms and Conditions We may end the agreement governed by these Terms and Conditions if we cancel or end your Card Account in accordance with the Card Account agreement. We may also end the agreement governed by these Terms and Conditions by giving you at least 30 days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include changing your Card Account to a different product in accordance with the Card Account agreement or replacing these Terms and Conditions with a new set of Terms and Conditions that cover different benefits. Claims against rewards providers We are not liable for claims regarding any failure or breach with respect to goods and services provided as rewards by third parties. Third party rewards may also be subject to separate Terms and Conditions. Language and governing law These Terms and Conditions and all communications between us concerning this agreement shall be in English. These Terms and Conditions and all dealings between us are governed by the non exclusive laws of England and the courts of England shall have non exclusive jurisdiction over us and you.
Appears in 1 contract
Samples: Credit Card Agreement
