Terms and conditions of Loyalty program:
Program definition:
- QNB Life Reward is a retail loyalty program owned & operated by QNB to enable members to
earn points on eligible purchase transaction.
- All members are eligible for QNB Life Reward program automatically once credit card is
activated.
Earning points:
- Earned points differs as per card type, for detailed information please visit
QNB website for loyalty.
- Additional points may be earned in bank campaigns, as per the terms and conditions published
with the campaign.
- QNB has the right, at its sole discretion, to cancel or change the terms of points earning rates at
any time and without any liability to Members. Members should always refer to QNB Life Rewards
section on QNB website for up to date terms and conditions.
- Primary and supplementary card owners earn and burn points in a single pool, which is the
primary card holders’ reward pool, so only primary card holder is entitled to use the points for
redemption.
- It is not possible to purchase additional life reward points, points can only be earned through the
published earned rules.
- In case a customer reverses a previous transaction for which points were earned, a negative
points balance may arise if the points earned on that transaction were already redeemed. In this
case, new points that customer earns will be used to bring the points balance back to positive.
Members cannot redeem points unless their available points balance is positive.
- QNB has the right at its sole discretion, to cancel, withdraw points from customer without
consent, which includes but not limited to, due to point expiry, purchase refund, e-voucher, or any
change in the terms and conditions of the program, at any time.
- There are some conditions where points are not earned for installed transactions, governmental
transactions & cash withdrawal transactions.
- The customer has no right to claim any compensation from the bank and his right in redeeming
the points is forfeited in the event of card cancellation or stoppage or misuse.
Points Expiry:
- All points earned are valid for 24 months from the transaction date.
- E-Vouchers is valid for 90 days from the redemption date. Any expired vouchers will not be
accepted for redemption nor for refund.
Redemption points:
- QNB Life Reward offers the choice to all members to redeem their points either as a cash back or
as an E-voucher.
- 10,000 points are Minimum number of Points to be redeemed
- The customer will be able to redeem the points through Internet banking or Mobile banking only.
Terms and conditions apply
Tax Registration Number: 204-899-052
- The E-vouchers are used in our partners store, for detailed information about
Life Rewards Merchant Partners.
- The bank has the right to terminate the agreement with any of the merchants or amend the terms
of use at the merchant without prior notice.
- The E-voucher details will be sent to the customer’s mobile number registered, and the customer
must ensure that the data is always updated to receive the E-voucher and by receiving E-voucher
on the customer’s number means the customer confirms that the points has been redeemed.
- In case the data is not updated, the bank is not responsible & the vouchers non-refundable.
- Due to technical reasons out of the bank’s control there might be a delay sometimes in receiving
the E-voucher SMS.
- The bank is not responsible for lost/stolen or undelivered Rewards Vouchers.
- In the partners stores, you must show the merchant your E-voucher & valid national ID/ Passport.
- QNB is committed to deliver the best possible process so that customers can redeem their
points as easy as possible but not committed to control the quality of goods or services provided
by partner merchants.
- To use the rewards voucher, if your payment is more than the E-voucher’s value, you can pay the
difference by your credit card, debit card or even by cash. However, if the payment is less than the
value of the E-voucher, the merchant won’t refund you with the difference.
- Redeemed points can’t be refunded or replaced or exchanged for any other rewards.
- The customer is not entitled to claim any compensation from the bank and his right to claim
points or e-vouchers is forfeited in the following cases:
• Credit Card Cancellation /suspension
• Using your credit card in commercial transactions that exceeds typical individual
transactions, for example customers utilize the credit card for purchases that exceed the
usual value and number of transactions conducted for their everyday needs
• Expiration of loyalty points awarded to the customer for purchase transactions
• The expiry of the required e-voucher through the customer
• Credit Card Misuse
General:
- The bank shall have the right to delegate a third party, whether locally in A.R.E. or internationally,
to fulfil its obligations toward the client, in this case the Bank shall be responsible towards the
service user for maintaining the execution of this agreement, and the confidentiality of the
clients information and data. The Bank shall also be responsible towards the client for any errors
committed by such third party.
- In case of death -God forbids- available points are cancelled and cannot be used/redeemed by
heirs.
- The bank is entitled at it’s sole discretion, at any time and without prior notice or liability to the
subscriber in or unsubscribe any merchant or to terminate program points and/or cancel and/
or update its benefits or features, and / or update, add or delete any of the terms and conditions
outlined herein, and/or modify or limit the value of each loyalty points and / or the manner of their
redemption even though If any of such acts may diminish the value of the loyalty points already
accumulated.
- The bank reserves the right to cancel and/or forfeit all points earned by a customer across one or
more of his/her cards in case customer breaches any of the bank Terms and Conditions.
