Terms & Conditions

1. Membership

You would have been automatically enrolled into the My Rewards Points programme in Egypt when you signed up for a HSBC Premier, Advance or Platinum credit cards. Due to the closure of My Rewards Points programme, you will no longer have access to your My Rewards Points loyalty account and any collected and unused My Rewards Points will have expired after 17th November 2025.

2. Collecting My Rewards Points

Due to the closure of the My Rewards Points programme in Egypt, you will no longer collect My Rewards Points on your credit card spend. The last date to collect points was 12th November 2025 (depending on your statement closing date that should fall before 12 November 2025)

3. Personal Information

For details regarding your data and privacy, please read our full privacy policy

4. General

We reserve the right at any time and without prior notice to suspend or terminate the My Rewards Points programme

5. My Rewards Points Expiry

Due To the closure of the My Rewards Points programme in Egypt, all Rewards Points, regardless of their original expiry date, expire on 18th November 2025 unless redeemed by 17th November 2025.

6. Rewards terms and conditions

All vouchers redeemed for by 17th November 2025 have a 1 month expiry date by which they must be used.

7. Travel Booking Policy

  • My Rewards Points rewards included flight tickets, hotel stays, car rentals and activities.
  • My Rewards Points reserves the right to change the pricing, booking fee and minimum spend required for travel rewards at any time without prior notice.
  • My Rewards Points has no liability and will make no refund in the event of any delay, cancellation, overbooking, strike, force majeure or other causes beyond suppliers' direct control.
  • It is the responsibility of the My Rewards Points member to review airline baggage allowances, any travel restrictions, warnings, announcements and advisories, prior to making travel arrangements to international destinations.
  • It is the responsibility of the My Rewards Points member to obtain any required visas for entry to the country of destination or connecting destinations by contacting the respective embassy directly. Visa requirements will not be communicated by My Rewards Points.
  • As health requirements are subject to change without notice, My Rewards Points recommends that you verify health requirements with the appropriate consulate prior to departure. It is also your responsibility to consult your physician for current recommendations on inoculations before you travel internationally, and to ensure that you meet all health entry requirements and follow all medical guidance related to your trip.
  • By offering My Rewards Points to particular destinations, My Rewards Points does not represent or warrant any travel as advisable or without risk, and as such are not liable for damages or losses that may result from travel to such destinations.
  • Travel insurance is not included in any travel reward redemptions. It is the members' responsibility to check for eligibility of insurance coverage with their respective insurance companies and/or credit card companies. My Rewards Points can not be held responsible in the event that a claim needs to be made.
  • Refunds can only be credited to the original payment card used. Refunds will be processed within 14 days of the applicable cancellation fees being paid. If customer redeemed using points + cash, and wants to cancel the booking the points will be forfeited, while the cash will be refunded to the credit card. If the credit card used for payment is closed at the time of refund, refund will be made to the customer bank account, using IBAN no.
  • Refunds are not available for partially used flight booking tickets, hotel stays, car rentals or activities bookings
  • Failure to travel or cancel travel bookings within the required timeframe will result in the travel booking being forfeited. Forfeited travel bookings are no longer valid and are non-refundable.
  • The airlines, hotels, car rental companies and other reward suppliers providing travel or other services are independent contractors and not agents or employees of My Rewards Points. My Rewards Points accepts no responsibility for any loss from or related to travel cancellation or delay, loss or damage to luggage or other property, personal accident or sickness suffered while travelling, refund charges or any other circumstances arising from spending of My Rewards Points outside the control of My Rewards Points.
  • My Rewards Points is not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any suppliers.
  • Amendments and cancellations can only be made if permitted within the terms and conditions of the travel booking from the airline.

8. Your privacy

  • As the operator of the My Rewards Points programme, protecting the privacy and confidentiality of your personal information has always been a fundamental principle in our relationship with you, our partners and reward providers. This privacy commitment demonstrates how we will ensure the confidentiality and privacy of the information you entrust us with.
  • Your ‘member information’ is processed and stored in secure and confidential databases in Dubai, UAE.
  • As of 30th December 2025, we will no longer hold your data in our systems and will delete this permanently.
  • By participating in the My Rewards Points Programme, we collect and use information about you within your account. This information includes your registration details, information about the use of your HSBC Premier, Advance and Platinum credit cards, shopping purchases and other information that you give us. This information will allow us to administer the My Rewards Points programme - including the management of member accounts, to accurately record and update Rewards Points balances including spending of Rewards Points.
  • Your information may be analysed to see how you use the My Rewards Points programme, to understand your shopping behaviour and to send you) information and offers for the products or services which are most likely to interest you. You automatically agree to receive these communications in order to enjoy the benefits of participating in My Rewards Points programme.
  • We will only share your information within HSBC, My Rewards Points programme and with companies participating with My Rewards Programme.
  • We protect your information, our business depends on it. We do not give, rent or sell member lists from the My Rewards Programme to any organisation or individual other than business units of HSBC, reward providers and companies contracted to process and manage your transactions, Rewards Points spend requests and communications. We may record your calls to check the quality of our services for training, audit or security purposes.