![[Promo] Invest, Trade, Spend, Earn and Eat! – Enjoy 8% cashback in Feb 2023 on all Dining expenses! | Open a FREE FSMOne account and manage all your investments conveniently in ONE place](https://secure.fundsupermart.com/fsm/ext/feature/266703_20230201_rOCtilZt.jpeg)
Get 8% Cashback!
From 1st to 28th February 2023 enjoy 8% cashback^ on your dining expenses charged to your FSMOne Debit Card. Enjoy a meal with the people you love and score a great deal with this cashback promotion! Whether it’s a proper sit-down meal at a restaurant, a casual catch up at your favourite fast food joint or even a night out at the pub – enjoy the promo when you foot the bill with your FSMOne Debit Card.
This promotion is open to
the first 200 clients who start spending on dining expenses with their FSMOne
Debit Card.
Enjoy the perks of investing (and spending) with us and make your money work harder for you!
^capped at $40 per cardholder (please refer to clause 7 in the Terms & Conditions)
For new Debit Card members: A single transaction earns you 5,000 rewards points!
Concurrently with the 8% cashback, we are giving 5,000 rewards points* to the first 200 new card applicants who have made their first transaction in February (from 1st to 28th February 2023)!
If you have signed up for the FSMOne Debit Card from 1st February 2023 and you have made your first transaction on your typical expenses like groceries, transport or dining, you will earn 5,000 rewards points.
You can exchange to S$10 worth of bonus units from your preferred fund houses’ selection of funds, redeem shopping vouchers and make charity donations with the Rewards Points!
The FSMOne Debit Card
FSMOne Debit Card is a Platinum Debit MasterCard issued by Nium Pte. Ltd., a major payment institution licensed by the Monetary Authority of Singapore. The card, which taps on the Cash Account (SGD) through the use of technology, enables clients to seamlessly spend their investment proceeds, dividends, and available balance, online and wherever MasterCard is accepted around the world.
Details of your personalised card are stored in the FSM mobile application, and each card has its unique details linked to your account – which you can use for payments.
Spend from your Cash Account!
Have you wished you could spend directly from your FSM Cash Account? Well, now you can with the FSMOne Debit Card, and you will enjoy the perks of cashback and be rewarded for your spending.
You no longer have to transfer your investment proceeds to your bank accounts. Instead, you can pay for purchases directly with your FSMOne Debit Card!
Physical FSMOne Debit Card now Available! Take it with you EVERYWHERE!
The FSMOne Debit Card is no longer just a digital card – you can now apply for the physical card too, bringing you even greater convenience when making payments!
Here’s how you can go about applying for the physical FSMOne Debit Card.
Step 1: Head to your Debit Card Summary on FSMOne.com. (Login is required)
Step 2: Click on “Get an additional card”
Step 3: Under Card Type, select “Physical Card’ and proceed to fill in your information.
For FSM Mobile app users
Step 1: Head to the FSM Mobile App and click on “Holdings” at the bottom of the screen.
Step 2: Tap on the “Debit Card” Option
Step 3: Select “Get an additional card”
Step 4: Select “Physical Card” and proceed to fill in your information.
You will receive your physical cards in the post in about four weeks.
Tip: Remember to top up your Cash Account and activate the physical card on your FSM Mobile App after receiving it.
In the meantime, dining expenses charged to the digital FSMOne Debit Card will still be eligible for the promotion.
Use this card anywhere – we mean globally
The FSMOne Debit Card can be used anywhere (even globally) where MasterCard is accepted – both online and in stores.
Pay seamlessly and enjoy competitive foreign exchange rates (FX) compared to the FX rates for cards from other banks for your non-SGD purchases. Say goodbye to the usual banks’ foreign currency conversion markup and fees (which can be as high as 3.30%) for the typical bank-issued credit cards.
You can also link your debit card to Google Pay for contactless payments when paying in-store (applicable for Android users only) or link your card to online merchants and stores that accept MasterCard.
The Fuss-Free Debit Card
Application for the debit card is free. There will also not be any annual fees or additional hidden fees. If you are an existing FSMOne customer, getting your very own FSMOne Debit Card takes just a matter of minutes!
Card Security
We understand how important it is to keep your details safe and secure when using virtual cards for online payments since we are shopping more online. Upon sign-up and approval, you will be able to access your card details via your FSMOne account – we have added in security features to protect the details of your virtual card.
You will be able to lock and unlock your card easily via the FSMOne app. We have added the function to allow flexibility in changing your card limits too. All your transactions are processed and protected by MasterCard, which has strict rules and protocols for protecting end-customers like you.
In addition, as the debit card will be linked to your SGD Cash Account, you can be assured that your money is safe and secure with us. Your monies are deposited with licensed banks in trust accounts that are held on trust by iFAST for our clients.
Tip: Lock your card when not in use
*Terms and Conditions – 8% Cashback on Dining Promotion
1. The 8% Cashback on Dining Promotion is valid from 1 February 2023 to 28 February 2023 (the “Promotional Period”).
2. The Cashback Programme is applicable to the following cards (collectively “Qualifying Cards”)
a. FSMOne Crimson Debit Card
b. FSMOne Black Debit Card
Read more about the differences here.
3. Eligible Cardmembers (“Cardmember”) are defined as customers who are currently holding on to FSMOne qualifying cards and have not cancelled any FSMOne Debit Card within the last 6 months.
4. By participating in this Promotion, the clients agree that they have read, understood and agree to be bound by all terms and conditions stated herein.
5. To successfully be eligible for the Promotion, the client has to fulfil these criteria :
a. Client must have an activated FSMOne Debit Card;
b. Client has spent using the FSMOne Debit Card; and
c. Client is amongst the first 200 persons to start spending on dining expenses as denoted by Merchant Category Codes (MCC) based on their Qualifying Card’s transaction date:
i. 5812 (Eating Places and Restaurants)
ii. 5813 (Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns–Drinking Places (Alcoholic Beverages)
iii. 5814 (Fast Food Restaurants)
6. 8% cashback amount will be credited on the first S$500 spent. Cashback on amounts spent thereafter will only receive 1% cashback.
7. Cashback is subject to a cap of S$40 in total per customer for this promotion regardless of the number of Qualifying Cards registered under the customer's FSM account(s)
8. Eligible Transactions are identified via their Merchant Category Codes (“MCCs”). These MCCs are assigned by Mastercard and/or the FSMOne Debit Card issuer, and may be subject to changes at any point of time. If the merchants are not classified and/or classified under another merchant category not related to dining, transactions made at these merchants will not be eligible for the Cashback. For the avoidance of doubt, the list of category codes is not under the purview of iFAST Financial Pte Ltd (“iFAST”) and iFAST is not responsible for the category code assigned to a transaction.
9. Cashback is calculated based on the date of transaction in that calendar month. Cashback earned for the current month’s transactions will be credited 4 to 6 weeks after the end of the current month and reflected in your debit card/account statement.
10. iFAST reserves the right to not to credit and/ or clawback any cashback in the case of any fraudulent, dishonest and inappropriate conduct including where the Cashback is awarded due to error, voided, cancelled, as determined in the sole discretion of iFAST. Such activities include but are not limited to the following: the provision of any false details; the provision of any third party’s information without consent; and any other fraudulent or malicious actions.
11. Cashback granted under this Promotion are strictly non-exchangeable under all circumstances (including but not limited to any closure, suspension, loss or expiry of an awardee’s FSMOne.com account). For the avoidance of doubt, a FSMOne Debit Card cardholder shall not be entitled to any compensation, refund or alternative prize due to a failure to claim or use the cashback.
12. This advertisement has not been reviewed by the Monetary Authority of Singapore
**Terms and Conditions – 5,000 Rewards Points for first 200 new-to FSMOne Debit Card applicants
1. Promotion is valid from 1 to 28 February 2023 for the first 200 new-to FSMOne Debit Card members.
2. Eligible New-to FSM Cardmembers (“New Cardmembers”) are defined as customers who meet all the following conditions during the Promotional Period:
a. Apply for a new and approved FSMOne Debit Card from 1 February 2023 onwards;
b. Currently not holding on to any FSMOne Debit Card;
c. Have not cancelled any FSMOne Debit Card within the last 6 months.
d. Has made at least one eligible transaction using the FSMOne Debit Card from the Promotional Period; and
e. Ensure that FSMOne account and debit card are both active (not cancelled, terminated, closed or blocked) at the point of Rewards Points crediting.
3. Rewards Points will be credited 4 to 6 weeks after the end of the promotion period.
4. iFAST reserves the right to, at any time and in its sole and absolute discretion, replace and/or substitute any of the rewards with any other item of a similar value and further reserves the right to do so without reference to the Cardmember.
5. All decisions made by iFAST on any matters regarding this promotion are final, conclusive and binding on all clients. No appeals, correspondences and/or protests shall be entertained.
6. iFAST reserves the right at any time to add, delete, vary and/or amend these terms and conditions by way of posting on the FSMOne platform, or any other methods which iFAST deems practicable. The client acknowledges and agrees to access the FSMOne platform regularly to ensure that he/she is kept up to date with any changes or variations made to these terms and conditions.
7. The terms and conditions set out herein shall be without prejudice and in addition to the terms and conditions governing your FSMOne Investment Account and the FSMOne Debit Card, including but not limited to: the iFAST Standard Investment Account Terms and Conditions, the iFAST Platform Terms and Conditions, and all other applicable terms and conditions, disclaimers, risk disclosures and warnings.
8. In addition and without prejudice to any other right or remedy which may be available (whether under these terms and conditions or under applicable laws), and in the absence of fraud on the part of iFAST, iFAST shall not be liable to the clients or any other party in any respect of any losses, damages, costs and expenses suffered or incurred by the clients or any other party arising out of this Promotion. iFAST shall not in any event be liable for any indirect or consequential loss, or for punitive damages.
9. All debit cards are issued and powered by Nium, an entity regulated by the Monetary Authority of Singapore as a major payment institution under License No. PS20200276. iFAST is obligated to act accordingly to withdraw monies held under trust in your iFAST Cash Account to your debit card separately issued by the card issuer for payment services independently administered by card issuer.
10. This advertisement has not been reviewed by the Monetary Authority of Singapore.
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