Definitions

• "Accelerated Cash Up" means Cash Up earned on the Titanium, Platinum and World Credit Card based on pre-defined accelerated spend categories.
• "Accelerated Spend Categories" means merchant category codes that provide Accelerated Cash Up as set out in the Cash Up table. The lists of spend categories eligible for Accelerated Cash Up is at the sole discretion of Deem.
• "Customer" means a Deem customer holding a valid and activated Deem credit card.
• "Cardholder" includes a Deem primary credit card customer and a supplementary credit card customer.
• "Cash Up Program" refers to the loyalty program applicable to Deem Titanium Cash Up Credit Cards, Deem Platinum Cash Up Credit Cards and Deem World Cash Up Credit Cards under which Customer earns Cash Up based on his spend.
• "Cash Up" means Cash Up currency earned on the Credit Card. All Cash Up earned is maintained in the form of Cash Up. The conversion of Cash Up to AED is as below:
  1 Cash Up = 1 AED
• "Cash Up Table" means a table that details the applicable spend tiers and the Cash Up rate specifically designed for a Titanium Credit Card, Platinum Credit Card and a World Credit Card.
• "MCC" means a merchant category code defined by Mastercard/Visa to classify transactions. The categorisation of an MCC is done at the sole discretion of Mastercard/Visa in accordance with their respective policies and Deem has no responsibility or say in the same.
• "Retail Transactions" means purchases made on the Deem credit card by the Customer that excludes cash advances, quasi cash transactions, any refunds, any bank charge reversals, balance transfer transactions, credit card payments or any other transaction as determined by Deem from time to time.
• "Spend Categories" means a group of MCCs, single or multiple. The list of Spend categories is at the sole discretion of Deem.
• "Sum of Cycle" means the total sum of all purchases done and posted on the credit card during a particular credit card statement period.

• The Titanium Cash Up program is only available on Deem Titanium Cash Up Credit Cards.
• Cash Up is earned on Retail Transactions as defined in the Titanium Cash Up table below.

  Titanium Cash Up Table

  Spend Category	Supermarkets		Fuel		Utilities & Government Services		Other Retail Purchases (Domestic & International)
  Spend Category Description	This covers purchases at supermarkets & Grocery Stores		Fuel Purchases at gas stations		All Government and utility bill payments		All domestic transactions made in AED currency and overseas spend in non AED currency
  Spend and Cash Up Tiers
  	Spend Tiers (AED)	Cash Up per transaction (%)	Spend Tiers	Cash Up per transaction (%)	Spend Tiers (AED)	Cash Up per transaction (%)	Any Amount	Sum of Cycle (0.5%)
  	0 - 499	1%	All Spend	3%	0-999	1%
  	500 - 999	2%			1000 - 1999	2%
  	>=1000	3%			>=2000	3%

• The list of MCCs that are included in the program are at the sole discretion of Deem.
• Retail Transactions at department stores or at supermarkets within department stores are not eligible for accelerated Cash Up, unless stores have specifically used the supermarket merchant category codes.
• Cash Up on the Accelerated Spend Categories is calculated per transaction made and hence each purchase will start earning Cash Up based on:
  • The Accelerated Spend Category it belongs to
  • Per Transaction value

  The above two factors will decide the spend tier that the purchase falls under and the applicable Cash Up rate.

• The descriptions of the Spends Categories provided in the table are illustrative and not comprehensive. Only Retail Transactions made under specific MCCs will be eligible under the Cash Up program.
• Cash Up rates for Accelerated Spend Categories apply irrespective if the transaction in done in the UAE or overseas.
• Deem, Mastercard is/are not responsible if a Retail Transaction does not get captured under the appropriate MCC or if a merchant has a different MCC to the one categorised by MasterCard/Visa.
• All "Other Retail Purchases" done and posted up to the billing cycle and reflecting on the credit card statement will be summed and the applicable Cash Up rate will be applied as per the Titanium Cash Up table.
• All Cash Up earned by the Customer will accumulate as Cash Up on the primary Cardholder's account.

Cash Up: Earning, Redemption & Expiry.

Earning

• Participation in the Titanium Cash Up program is automatic, provided that the Titanium Credit Card account is active and in good standing (including but not limited to the fact that the customer has failed to make his contractual monthly payments).
• Transactions on supplementary credit cards and virtual cards will also earn Cash Up and this Cash Up will accrue to the account of the primary credit cardholder.
• The Cash Up program applies to Retail Transactions only.
• The amount of Accelerated Cash Up earned will reflect as "Accelerated Cash Up" on Deem rewards portal.
• Cash Up rates for Accelerated Spend Categories apply irrespective of whether the transaction takes place in the UAE or overseas.
• The amount of Cash Up earned on all Other Retail Transactions will reflect as "Regular Cash Up" on Deem rewards portal.
• The Cash Up caps for all Retail Transactions are detailed below:

  (AED)	Supermarket (Per transaction)	Fuel (Per transaction	Utilities (Per transaction)	Other Retail Transactions - Domestic & International (Sum of Cycle)
  Cash Up Cap per transaction	75	75	75	NA
  Cash Up cap per month	500	100	500	NA
  Cash Up Cap - Annual	1000	500	1000	1000
  Overall Cash Up Cap - Annual	3500

Redemption

• Redemption of Cash Up is not automatic. Primary credit card holders may use the Deem mobile app or online portal to redeem their Cash Up.
• If the Customer requests to redeem the Cash Up for a Cashback credit on the statement, then the credit will reduce the outstanding balance on the card and add to the Customer's available credit limit. This credit will not offset any payments due on the card.
• If the Customer requests for a Cashback credit on the statement, the credit will reflect on the Customer's account within five (5) working days from the date of receipt of the redemption request.
• If the Customer requests to redeem Cash Up via pay with points, then the Customer will be able to view the credit against the transaction(s) selected in the next monthly credit card statement.
• If the Customer redeems the reward points for online gift vouchers, then the Customer will receive an email confirmation within two (2) working days, based on the email address shared for the purpose or redemption, of the voucher from the merchant.
• All available redemption options are available on www.Deemrewards.io.
• Upon redemption of the Cash Up for any of the available redemption options, the Customers available balance of Cash Up will be subtracted accordingly with the amount requested for redemption.
• The Customer cannot transfer Cash Up to another Customer.

Expiry

• Currently, we do not have an expiry date for the Cash Up points.
• In the event of a voluntary closure of the credit card by the primary Cardholder, the Customer must redeem all accumulated Cash Up before closure or all accumulated Cash Up will be forfeited.
• In the event of card cancellation or if the card is blocked, written off, suspended for any reason whatsoever, all accumulated Cash Up will stand forfeited.

Generic

• Cash Up will be offered only for retail purchases made on the Deem credit card.
• Cash Up is not exchangeable, refundable, replaceable or transferable under any circumstances, nor can they be converted to Cash Up accrued.
• Cash advances, any fees/charges and disputed transactions will not earn Cash Up.
• The Cash Up accrual is payable at the discretion of Deem.
• Any abuse of or fraud relating to the earning and redemption of Cash Up in the program may result in the cancellation and forfeiture of the Cash Up and may also result in card termination.
• Deem reserves the right to suspend, cancel, modify or substitute the Titanium Cash Up program conditions or the method of computation of the Cash Up or the Cash Up terms and conditions at any time without prior notice to the Customer.
• Deem's decision on the computation, redemption, cancellation, forfeiture, credit or debit of Cash Up will be final, conclusive and binding on the Customer and will not be liable to be disputed or questioned.
• Deem has the right to alter the expiry term of the Cash Up at its sole discretion.
• Deem may impose fees on the program or change the conditions of the program at its sole discretion from time to time.
• Spend Categories that get included in this program are at the sole discretion of Deem. Spend Categories may be increased, decreased or modified as determined from time to time by Deem.
• Customers have the option of redeeming their Cash Up against the gift vouchers listed on the Deem rewards online portal Gift vouchers cannot be exchanged for cash (in part or in full).
• All online gift vouchers are available on a best-effort basis through third party merchant establishments who are independent contractors and are neither agents nor employees of Deem. Deem does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Cash Up Program. Deem neither offers, nor endorses, nor guarantees any of the goods, services, information or recommendations provided by third party merchant establishments to the Customer and makes no warranties and assumes no liability with respect to the products and services provided by third party merchant establishments. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the gift vouchers by the third party merchant establishments nor can Deem guarantee the exchange of these.
• All disputes in this regard shall be taken up directly by the Customer with the participating establishment.
• Gift vouchers to be utilised within the validity period only. Revalidation of vouchers will not be possible.
• The use of a gift voucher is subject to the terms and conditions stated therein. A gift voucher can only be redeemed once unless otherwise specified on the gift voucher.
• Redemption of gift vouchers is subject to availability.
• For any change in gift vouchers, products or travel bookings the customer must reach out to the respective third party merchant and Deem shall not be liable for any such change requests.
• Deem may provide reward redemption choices of vouchers, good or services issued by participating merchants (Merchants) from time to time at its sole discretion. Deem will not be liable to replace vouchers, goods or services that are lost or destroyed, neither will Deem exchange vouchers, goods or services for any reason whatsoever.
• The use of a voucher shall constitute a purchase of goods or services by the person using the voucher from the Merchant supplying such goods or services, and Deem assumes no liability or responsibility whatsoever for the acts or default of the Merchant (including the failure of the Merchant to honour any Voucher) or in respect of the availability and or any defect or deficiency in the goods or services for which any Voucher is redeemed. Deem is not an agent of the Merchant. Any disputes about quality or performance should be resolved directly with the Merchant.
• In case of a disputed transaction being resolved in the favor of the Customer and/or where a transaction is reversed, the equivalent Cash Up will also be reversed.
• By participating in the Deem Cash Up program, you consent to sharing your profile information (restricted to Rewards fulfillment/delivery) with any third party partner, agent, merchant establishment.
• All Rewards delivery whether products/vouchers will be fulfilled by the said partner, merchant establishment at the registered communication details updated with Deem.
• Deem reserves the right to wholly or partly modify the Cash Up program. Deem also reserves the right to change the Cash Up conversion rate, withdraw Cash Up awarded or to alter any of the terms and conditions herein in its absolute discretion and without prior notice to Customers.
• In case this Cash Up program conflicts with any rule, regulation or order of any statutory authority, then Deem has the absolute authority and right to modify or cancel this program to give effect to the said requirements.
• Subject to discretion, information supplied by the Customer on the redemption of certain products/services may be used by Deem or its third party service providers for administrative, research or marketing purposes.
• Deem will not be responsible for lost or stolen vouchers redeemed through the Cash Up program.
• Redemption orders once given to Deem cannot be cancelled, withdrawn or changed. Redeemed Cash Up are not exchangeable for other Rewards or refundable, replaceable or transferable for cash or credit under any circumstances.
• Deem shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered as a result of availing of the benefits under the program.
• The existence of a dispute, if any, with a third party shall not constitute a claim against Deem.
• Any disputes arising out of this program shall be subject to the exclusive jurisdiction of the competent courts in the UAE only.
• Issuance of a credit card is at the sole discretion of Deem Finance LLC ("Deem"). All features and benefits are subject to Terms and Conditions.

• The Platinum Cash Up program is only available on Deem Platinum Cash Up Credit Cards.
• Cash Up is earned on Retail Transactions as defined in the Platinum Cash Up table below:

  Platinum Cash Up Table

  Spend Category	Department stores		Online Shopping		Entertainment		Other Retail Purchases (Domestic & International)
  Spend Category Description	All purchases made at department stores, ready-to-wear apparel, sportswear, footwear, handbags, fashion accessories, cosmetics & perfume stores.		Online Shopping at Department stores		All spend on tourist attractions, kids entertainment zones, plays, concerts, operas, musical shows		All domestic transactions made in AED currency and overseas spend in non AED currency
  Spend and Cash Up Rate
  	Spend per Cycle (AED)	Cash Up (%)	Spend per Cycle (AED)	Cash Up (%)	Spend per Cycle (AED)	Cash Up (%)	Any Amount	Sum of Cycle (1%)
  	0 - 499	1%	0 - 499	1%	0 - 499	1%
  	500 -999	2%	500 -999	2%	500 -999	2%
  	1000-1999	5%	>=1000	5%	>=1000	5%
  	>=2000	10%

• The minimum monthly retail spends required to be eligible for a Platinum Cash Up is AED 1500. If the retail Sum of Cycle spend is aggregated to AED 1500 or more, then the Cash Up rate is applied based on the table above.
• Cash Up Earn Rate is 0.50% for the Sum of Cycle spends on Fuel, Transport, Utility Bills, Government Services and related MCCs.
• Cash Up rates for Accelerated Spend Categories apply irrespective of whether the transaction in undertaken in the UAE or Overseas.
• The list of MCCs that are included in the Cash Up program is at the sole discretion of Deem.
• Cash Up is earned for all shopping including online shopping at Department Stores on Ready-to-wear Apparel, Sportswear, Footwear, Handbags, Accessories, Cosmetics & Perfumes.
• The descriptions of the Spend Categories provided in the table are illustrative and not comprehensive. Only Retail transactions made under specific MCCs will be eligible under the Cash Up program.
• Deem, Mastercard is/are not responsible if a Retail Transaction does not get captured under the appropriate MCC or if any merchant has different MCC to the one categorised by MasterCard/Visa.
• All Cash Up earned by the Customer will accumulate as Cash Up on the primary Cardholder's account.

Cash Up: Earning, Redemption & Expiry.

Earning

• Participation to the Platinum Cash Up program is automatic, provided that the Platinum Credit Card account is active and in good standing (including but not limited to the fact that the customer has failed to make his contractual monthly payments).
• Transactions on supplementary credit card and virtual card will also earn Cash Up and this Cash Up will accrue to the account of the primary Cardholder.
• The Cash Up program applies to Retail Transactions only.
• The amount of Accelerated Cash Up earned will reflect as "Accelerated Cash Up" on Deem rewards portal.
• The amount of Cash Up earned on all Other Retail Transactions will reflect as "Regular Cash Up" on Deem rewards portal.
• The Cash Up caps for all Retail Transactions are detailed below:

  (AED)	Department store (Sum of Cycle)	Online Shopping (Sum of Cycle)	Entertainment (Sum of Cycle)	Other Retail Transactions - Domestic & International (Sum of Cycle)
  Cash Up Cap per billing cycle	300	100	100	500
  Cash Up Cap - Annual	1000	1000	1000	2000
  Overall Cash Up Cap - Annual	5000

Redemption

• Redemption of Cash Up is not automatic. Primary credit card holders may use the Deem mobile app or online portal to redeem their Cash Up.
• If the Customer requests to redeem the Cash Up for a Cashback credit on the statement, then the credit will reduce the outstanding balance on the card and add to the Customer's available credit limit. This credit will not offset any payments due on the card.
• If the Customer requests for a Cashback credit on the statement, the credit will reflect on the Customer's account within five (5) working days from the date of receipt of the redemption request.
• If the Customer requests to redeem Cash Up via pay with points, then the Customer will be able to view the credit against the transaction(s) selected in the next monthly credit card statement.
• If the Customer redeems the reward points for online gift vouchers, then the Customer will receive an email confirmation within two (2) working days, based on the email address shared for the purpose or redemption, of the voucher from the merchant.
• All available redemption options are available on www.Deemrewards.io.
• Upon redemption of the Cash Up for any of the available redemption options, the Customers available balance of Cash Up will be subtracted accordingly with the amount requested for redemption.
• The Customer cannot transfer Cash Up to another Customer.

Expiry

• Currently, we do not have an expiry date for the Cash Up points.
• In the event of a voluntary closure of the credit card by the primary Cardholder, the Customer must redeem all accumulated Cash Up before closure or all accumulated Cash Up will be forfeited.
• In the event of card cancellation or if the card is blocked, written off, suspended for any reason whatsoever, all accumulated Cash Up will stand forfeited.

Generic

• Cash Up will be offered only for retail purchases made on the Deem credit card.
• Cash Up is not exchangeable, refundable, replaceable or transferable under any circumstances, nor can they be converted to Cash Up accrued.
• Cash advances, any fees/charges and disputed transactions will not earn Cash Up.
• The Cash Up accrual is payable at the discretion of Deem.
• Any abuse of or fraud relating to the earning and redemption of Cash Up in the program may result in the cancellation and forfeiture of the Cash Up and may also result in card termination.
• Deem reserves the right to suspend, cancel, modify or substitute the Titanium Cash Up program conditions or the method of computation of the Cash Up or the Cash Up terms and conditions at any time without prior notice to the Customer.
• Deem's decision on the computation, redemption, cancellation, forfeiture, credit or debit of Cash Up will be final, conclusive and binding on the Customer and will not be liable to be disputed or questioned.
• Deem has the right to alter the expiry term of the Cash Up at its sole discretion.
• Deem may impose fees on the program or change the conditions of the program at its sole discretion from time to time.
• Spend Categories that get included in this program are at the sole discretion of Deem. Spend Categories may be increased, decreased or modified as determined from time to time by Deem.
• Customers have the option of redeeming their Cash Up against the gift vouchers listed on the Deem rewards online portal. Gift vouchers cannot be exchanged for cash (in part or in full).
• All online gift vouchers are available on a best-effort basis through third party merchant establishments who are independent contractors and are neither agents nor employees of Deem. Deem does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Cash Up Program. Deem neither offers, nor endorses, nor guarantees any of the goods, services, information or recommendations provided by third party merchant establishments to the Customer and makes no warranties and assumes no liability with respect to the products and services provided by third party merchant establishments. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the gift vouchers by the third party merchant establishments nor can Deem guarantee the exchange of any of these.
• All disputes in this regard shall be taken up directly by the Customer with the participating establishment.
• Gift vouchers to be utilised within the validity period only. Revalidation of vouchers will not be possible.
• The use of a gift voucher is subject to the terms and conditions stated therein. A gift voucher can only be redeemed once unless otherwise specified on the gift voucher.
• Redemption of gift vouchers is subject to availability.
• For any change in gift vouchers, products or travel bookings the customer must reach out to the respective third party merchant and Deem shall not be liable for any such change requests.
• Deem may provide reward redemption choices of vouchers, good or services issued by participating merchants (Merchants) from time to time at its sole discretion. Deem will not be liable to replace vouchers, goods or services that are lost or destroyed, neither will Deem exchange vouchers, goods or services for any reason whatsoever.
• The use of a voucher shall constitute a purchase of goods or services by the person using the voucher from the Merchant supplying such goods or services, and Deem assumes no liability or responsibility whatsoever for the acts or default of the Merchant (including the failure of the Merchant to honour any Voucher) or in respect of the availability and or any defect or deficiency in the goods or services for which any Voucher is redeemed. Deem is not an agent of the Merchant. Any disputes about quality or performance should be resolved directly with the Merchant.
• In case of a disputed transaction being resolved in the favor of the Customer and/or where a transaction is reversed, the equivalent Cash Up will also be reversed.
• By participating in the Deem Cash Up program, you consent to sharing your profile information (restricted to Rewards fulfillment/delivery) with any third party partner, agent, merchant establishment.
• All Rewards delivery whether products/vouchers will be fulfilled by the said partner, merchant establishment at the registered communication details updated with Deem.
• Deem reserves the right to wholly or partly modify the Cash Up program. Deem also reserves the right to change the Cash Up conversion rate, withdraw Cash Up awarded or to alter any of the terms and conditions herein in its absolute discretion and without prior notice to Customers.
• In case this Cash Up program conflicts with any rule, regulation or order of any statutory authority, then Deem has the absolute authority and right to modify or cancel this program to give effect to the said requirements.
• Subject to discretion, information supplied by the Customer on the redemption of certain products/services may be used by Deem or its third party service providers for administrative, research or marketing purposes.
• Deem will not be responsible for lost or stolen vouchers redeemed through the Cash Up program.
• Redemption orders once given to Deem cannot be cancelled, withdrawn or changed. Redeemed Cash Up are not exchangeable for other Rewards or refundable, replaceable or transferable for cash or credit under any circumstances.
• Deem shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered as a result of availing of the benefits under the program.
• The existence of a dispute, if any, with a third party shall not constitute a claim against Deem.
• Any disputes arising out of this program shall be subject to the exclusive jurisdiction of the competent courts in the UAE only.
• Issuance of a credit card is at the sole discretion of Deem Finance LLC ("Deem"). All features and benefits are subject to Terms and Conditions.

• The Deem World Cash Up program is only available on Deem World Cash Up Credit Cards.
• Cash Up is earned on Retail Transactions as defined in the World Cash Up table below:

  World Cash Up Table

  Spend Category	Airlines		Hotels		Entertainment		Other Retail Purchases (Domestic& International)
  Spend Category Description	Purchases of airline tickets at airline offices and airline or travel agencies offices and travel agency websites worldwide		Hotel bookings and holiday packages made at hotels and hotel websites and hotel booking websites worldwide		All spend on tourist attractions, kid's entertainment zones, plays, concerts, operas and musical shows		All domestic transactions made in AED currency and all overseas transactions made in non AED currency
  Spend and Cash Up Tiers
  	Spend Tiers (AED)	Cash Up per transaction (%)	Spend Tiers (AED)	Cash Up per transaction (%)	Spend Tiers (AED)	Cash Up per transaction (%)	Any Amount	Sum of Cycle (1%)
  	1000-4999	5%	1000-2999	3%	>=100	5%
  	>=5000	10%	>=3000	5%

• Cash Up Earn Rate is 0.50% for Sum of Cycle spends on Fuel, Transport, Utility Bills, Government Services and related MCCs.
• Cash Up rates for Accelerated Spend Categories apply irrespective of whether the transaction in undertaken in the UAE or Overseas.
• The list of MCC's that are included in the Cash Up program is at the sole discretion of Deem.
• Cash Up on the Accelerated Spend Categories is calculated per transaction made and hence each purchase will start earning Cash Up based on:
  • The Accelerated Spend Category it belongs to
  • Per Transaction value

  The above two factors will decide the spend tier that the purchase falls under and the applicable Cash Up rate.

• The descriptions of the spends categories provided in the table are illustrative and not comprehensive. Only Retail transactions made under specific MCCs will be eligible under the Cash Up program.
• Cash Up rates for accelerated categories apply irrespective if the transaction in done in the UAE or overseas.
• Deem, Mastercard is/are not responsible if a Retail Transaction does not get captured under the appropriate MCC or if any merchant has different MCC to the one categorised by MasterCard/Visa.
• All "Other Retail Purchases" done and posted up to the billing cycle and reflecting on the Credit Card statement will be summed and the applicable Cash Up rate will be applied as per the World Cash Up table.
• All Cash Up earned by the Customer will accumulate as Cash upon the primary Cardholder's account.

Cash Up: Earning, Redemption & Expiry

Earning

• Participation to the World Cash Up program is automatic, provided that the World Credit Card account is active and in good standing (including but not limited to the fact that the customer has failed to make his contractual monthly payments).
• Transactions on supplementary credit card and virtual cards will also earn Cash Up and this Cash Up will accrue to the account of the primary Cardholder.
• The Cash Up program applies to Retail Transactions only.
• The amount of Accelerated Cash Up earned will reflect as "Accelerated Cash Up" on Deem rewards portal.
• The amount of Cash Up earned on all Other Retail Transactions will reflect as "Regular Cash Up" on Deem rewards portal
• The Cash Up caps for all Retail Transactions as applicable for Cash Up and minimum spend required are as below:

  Minimum Spend Table

  (AED)	Airline (Per Transaction)	Hotel (Per Transaction)	Entertainment (Per Transaction)	Other Retail Transactions - Domestic & International (Sum of Cycle)
  Minimum transaction amount to start earning Cash Up	1000	1000	100	100

  Cash Up Table

  (AED)	Airline (Per Transaction)	Hotel (Per Transaction)	Entertainment (Per Transaction)	Other Retail Transactions - Domestic & International (Sum of Cycle)
  Cash Up Cap per transaction	600	200	100	NA
  Cash Up cap per month	1000	500	500	1000
  Cash Up cap - Annual	2000	1000	1000	4000
  Overall Cash Up Cap - Annual	8000

Redemption

• Redemption of Cash Up is not automatic. Primary credit card holders may use the Deem mobile app or online portal to redeem their Cash Up.
• If the Customer requests to redeem the Cash Up for a Cash Up credit on the statement, then the credit will reduce the outstanding balance on the card and add to the Customer's available credit limit. This credit will not offset any payments due on the card.
• If the Customer requests for a Cash Up credit on the statement, the credit will reflect on the Customer's account within five (5) working days from the date of receipt of the redemption request.
• If the Customer requests to redeem Cash Up via pay with points, then the Customer will be able to view the credit against the transaction(s) selected in the next monthly credit card statement.
• If the Customer redeems the reward points for online gift vouchers, then the Customer will receive an email confirmation within two (2) working days, based on the email address shared for the purpose or redemption, of the voucher from the merchant.
• All available redemption options are available on www.Deemrewards.io.
• Upon redemption of the Cash Up for any of the available redemption options, the Customers available balance of Cash Up will be subtracted accordingly with the amount requested for redemption.
• The Customer cannot transfer Cash Up to another Customer.

Expiry

• Currently, we do not have an expiry date for the Cash Up points.
• In the event of a voluntary closure of the credit card by the primary Cardholder, the Customer must redeem all accumulated Cash Up before closure or all accumulated Cash Up will be forfeited.
• In the event of card cancellation or if the card is blocked, written off, suspended for any reason whatsoever, all accumulated Cash Up will stand forfeited.

Generic

• Cash Up will be offered only for retail purchases made on the Deem credit card.
• Cash Up is not exchangeable, refundable, replaceable or transferable under any circumstances, nor can they be converted to Cash Up accrued.
• Cash advances, any fees/charges and disputed transactions will not earn Cash Up.
• The Cash Up accrual is payable at the discretion of Deem.
• Any abuse of or fraud relating to the earning and redemption of Cash Up in the program may result in the cancellation and forfeiture of the Cash Up and may also result in card termination.
• Deem reserves the right to suspend, cancel, modify or substitute the Titanium Cash Up program conditions or the method of computation of the Cash Up or the Cash Up terms and conditions at any time without prior notice to the Customer.
• Deem's decision on the computation, redemption, cancellation, forfeiture, credit or debit of Cash Up will be final, conclusive and binding on the Customer and will not be liable to be disputed or questioned.
• Deem has the right to alter the expiry term of the Cash Up at its sole discretion.
• Deem may impose fees on the program or change the conditions of the program at its sole discretion from time to time.
• Spend Categories that get included in this program are at the sole discretion of Deem. Spend Categories may be increased, decreased or modified as determined from time to time by Deem.
• Customers have the option of redeeming their Cash Up against the gift vouchers listed on the Deem rewards online portal. Gift vouchers cannot be exchanged for cash (in part or in full).
• All online gift vouchers are available on a best-effort basis through third party merchant establishments who are independent contractors and are neither agents nor employees of Deem. Deem does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Cash Up Program. Deem neither offers, nor endorses, nor guarantees any of the goods, services, information or recommendations provided by third party merchant establishments to the Customer and makes no warranties and assumes no liability with respect to the products and services provided by third party merchant establishments. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the gift vouchers by the third party merchant establishments nor can Deem guarantee the exchange of any of these.
• All disputes in this regard shall be taken up directly by the Customer with the participating establishment.
• Gift vouchers to be utilised within the validity period only. Revalidation of vouchers will not be possible.
• The use of a gift voucher is subject to the terms and conditions stated therein. A gift voucher can only be redeemed once unless otherwise specified on the gift voucher.
• Redemption of gift vouchers is subject to availability.
• For any change in gift vouchers, products or travel bookings the customer must reach out to the respective third party merchant and Deem shall not be liable for any such change request.
• Deem may provide reward redemption choices of vouchers, good or services issued by participating merchants (Merchants) from time to time at its sole discretion. Deem will not be liable to replace vouchers, goods or services that are lost or destroyed, neither will Deem exchange vouchers, goods or services for any reason whatsoever.
• The use of a voucher shall constitute a purchase of goods or services by the person using the voucher from the Merchant supplying such goods or services, and Deem assumes no liability or responsibility whatsoever for the acts or default of the Merchant (including the failure of the Merchant to honour any Voucher) or in respect of the availability and or any defect or deficiency in the goods or services for which any Voucher is redeemed. Deem is not an agent of the Merchant. Any disputes about quality or performance should be resolved directly with the Merchant.
• In case of a disputed transaction being resolved in the favor of the Customer and/or where a transaction is reversed, the equivalent Cash Up will also be reversed.
• By participating in the Deem Cash Up program, you consent to sharing your profile information (restricted to Rewards fulfillment/delivery) with any third party partner, agent, merchant establishment.
• All Rewards delivery whether products/vouchers will be fulfilled by the said partner, merchant establishment at the registered communication details updated with Deem.
• Deem reserves the right to wholly or partly modify the Cash Up program. Deem also reserves the right to change the Cash Up conversion rate, withdraw Cash Up awarded or to alter any of the terms and conditions herein in its absolute discretion and without prior notice to Customers.
• In case this Cash Up program conflicts with any rule, regulation or order of any statutory authority, then Deem has the absolute authority and right to modify or cancel this program to give effect to the said requirements.
• Subject to discretion, information supplied by the Customer on the redemption of certain products/services may be used by Deem or its third party service providers for administrative, research or marketing purposes.
• Deem will not be responsible for lost or stolen vouchers redeemed through the Cash Up program.
• Redemption orders once given to Deem cannot be cancelled, withdrawn or changed. Redeemed Cash Up are not exchangeable for other Rewards or refundable, replaceable or transferable for cash or credit under any circumstances.
• Deem shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered as a result of availing of the benefits under the program.
• The existence of a dispute, if any, with a third party shall not constitute a claim against Deem.
• Any disputes arising out of this program shall be subject to the exclusive jurisdiction of the competent courts in the UAE only.
• Issuance of a credit card is at the sole discretion of Deem Finance LLC ("Deem"). All features and benefits are subject to Terms and Conditions.

Definitions

• "Accelerated Joy Points" means the Joy Points earned by the Customer on certain Accelerated Spend Categories.
• "Accelerated Spend Categories" means the merchant category codes that get accelerated miles that are also detailed in the Joy Points table. The list of Spend Categories eligible for accelerated Joy Points is at the sole discretion of Deem. They may be increased, decreased or modified as determined from time to time by Deem.
• "Deem Joy Points Program" refers to the loyalty program applicable to Deem Titanium Joy Points Credit Cards, Deem Platinum Joy Points Credit Cards and Deem World Joy Points Credit Cards under which Customer earns Joy Points based on his spend.
• "Earn Rate" means the rate at which Miles will accrue to the Customer for every retail transaction as detailed in the Miles table. Deem reserves the right to change the earn rate applicable at its own discretion.
• "MCC" means a merchant category code defined by MasterCard/Visa to classify transactions. The categorisation of an MCC is done at the sole discretion of MasterCard/Visa in accordance with their respective policies and Deem has no responsibility or say in the same.
• "Retail Transactions" means purchases made on the Deem Credit Card by the card member that excludes cash advances, quasi cash transactions, any refunds, any bank charge reversals, Balance Transfer transactions, utility bills, credit card payments or any other transaction as determined by the bank from time to time.
• "Rewards Partners" means the independent third party designated on Deem's reward portal to provide Deem credit card Customers with Rewards.
• "Rewards" means specified goods and/or services provided by Deem or any Rewards Partner in exchange for Joy Points in accordance with the Joy Points terms and conditions.
• "Spend categories" means a group of MCC, single or multiple. The list of Spend Categories is at the sole discretion of Deem and final and binding to the program. They may be increased, decreased or modified as determined from time to time by Deem.
• "Sum of Cycle" means the total sum of all purchases done and posted on the credit card during a particular credit card statement period.
• "Joy Points" is the reward currency in terms of travel miles for Deem Joy Points Program.

• The Titanium Joy Points program is only available on Deem Titanium Joy Points Credit Cards.
• The Earn Rate for Retail Transactions are as defined in the Joy Points table below:

  Spend Category	Airlines	Hotel	Supermarket	Other Retail purchases
  Spend Category Description	Purchases of airline tickets made at airline offices, websites, travel agencies worldwide	Hotel bookings made at hotels, hotel websites and hotel booking websites worldwide	Purchases at grocery stores & supermarkets	All domestic transactions made in AED currency and all overseas transactions made in non AED currency
  Earn Rate	2x	2x	2x	0.5x

• The list of MCC's that are included in the Joy Points program is at the sole discretion of Deem
• The minimum monthly retail spends required to start earning Joy Points is AED 1000.
• Retail Transactions at department stores or at supermarkets within department stores are not eligible for accelerated Joy Points, unless stores have specifically used the Supermarket MCCs
• All Retail Transactions done and posted that are eligible for Joy Points including Accelerated Joy Points earned up to the billing cycle will be summed up and the Earn Rate as per the Titanium Joy Points Table will be applied, after the minimum monthly retail spend target is achieved.
• Accelerated Joy Points for the Accelerated Spend Categories apply irrespective whether the transaction was completed in the UAE or overseas.
• The descriptions of the Spends Categories provided in table are illustrative and not comprehensive. Only Retail Transactions made under specific MCCs will be eligible under the Joy Points program.
• Deem, Mastercard is/are not responsible if a Retail Transaction does not get captured under the appropriate MCC or if any merchant has different MCC to the one categorised by MasterCard/Visa.
• All Joy Points earned by the Customer will accumulate on Deem rewards portal

Joy Points: Eligibility and Earning

• Participation to the Titanium Joy Points program is automatic, provided that the Titanium Credit Card account is active and in good standing (including but not limited to the fact that the customer has failed to make contractual monthly payments).
• Deem will update your account balance including Joy Points collected and spent and you can view your Joy Points balance on the monthly credit card statement.
• Transactions on supplementary credit cards and virtual cards will also earn Joy Points and will accrue to the account of the primary credit cardholder.
• The Deem Joy Points program applies to Retail Transactions only.
• The amount of Accelerated Joy Points earned will reflect as "Accelerated Joy Points" on Deem rewards portal.
• The amount of Joy Points earned on all Other Retail Transactions will reflect as "Regular Joy Points" on Deem rewards portal.
• The minimum monthly retail spends required to start earning Joy Points is AED 1000.
• The maximum Joy Points that the Customer can earn per billing cycle for all retail spend as per the Titanium Joy Points table is 50,000 Joy Points.
• The maximum Joy Points that the Customer can earn on the Titanium Credit Card as per the Titanium Joy Points table is 200,000 per year.
• Deem reserves the right at any time without prior notice, including but not limited to the happening of any of the following events:
  • Failure to comply with these terms and conditions.
  • Supplying false or misleading information to us or our partners.
  • Abuse of any membership privileges.
  • Death or bankruptcy of the primary Cardholder.

  to add and/or change the terms and conditions of the Deem Joy Points program, including, changing the number of Joy Points earned for spending, or the number of Joy Points required to redeem Rewards, impose caps and/or fees on earning and/or redeeming Joy Points, or cancel Rewards, suspend or terminate the Joy Points program.

• Joy Points have no monetary value and cannot be sold, transferred or otherwise dealt with except in accordance with these terms and conditions.
• Deem will not be held liable for any loss, theft, damage or unauthorised use of Joy Points.
• All exclusions and limitations of liability in these terms and conditions apply for our security and the benefit of all partners and reward providers.
• Partners and reward providers do not have any authority, expressed or implied, to make any representation or warranty on our behalf.
• Each Customer's Deem Joy Points Account can be viewed monthly on the card statement based on the retail purchases until the statement date of the Deem Credit Card of the Customer. Deem Joy Points will accrue at the Earn Rate. Deem may change the rates of accrual in its sole discretion without prior notice. Any such changes will be updated on the Website. The Customer is solely responsible for checking the Website at frequent intervals to keep abreast of any changes to the Deem Joy Points program Terms and Conditions.
• Bonus Joy Points and spend bonus Joy Points will be awarded to the Customer upon the occurrence of the following conditions: (i) Upon payment of the annual fees in full once it is billed on or before the due date as per the statement; and (ii) Customer achieves a minimum spend as specified in the welcome pack over a period of 60 (sixty) days following the date of the credit card account approval. The Customer shall forfeit the entire acquisition bonus Joy Points and/or spend Rewards in the event any of the conditions specified in this paragraph are not met in time. The acquisition bonus Joy Points and the spend bonus Rewards will appear in the Customer's Joy Points account in the following month.
• Bonus Joy Points will be awarded to a Customer from time to time on account of select promotions and special offers which will be communicated to the Customer in the manner determined by Deem. Bonus Joy Points will be calculated on the basis of Retail Transactions billed to the card account for the relevant promotion period and are subject to the terms and conditions of the promotion.

Joy Points: Redemption

• Primary Cardholders can request to redeem their Joy Points through Deem mobile app or online portal.
• All reward redemption options offered by Deem, Deem rewards partners are available on www.Deemrewards.io
• The value of Joy Points earned is 100 Deem Joy Points = 1 AED
• Deem may at its sole discretion and without prior notice amend the redemption value of Joy Points.
• In order to be eligible to redeem Joy Points for Rewards, there must be sufficient Joy Points in the Customer's Rewards account to cover the entire redemption value of the elected Reward(s). If the amount of the Joy Points is not sufficient to cover the entire redemption value of the Reward(s), the Customer may make the purchase using their Deem Credit Card for the deficit amount.
• The Customer must have 10,000 Joy Points to be able to redeem their Joy Points for Rewards on the Rewards portal.
• Customers have the option of redeeming their Joy Points against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal. Goods/services cannot be exchanged for cash (in part or in full).
• All online gift vouchers are available on a best-effort basis through third party merchant establishments who are independent contractors and are neither agents nor employees of Deem. Deem does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Joy Points Program. Deem neither offers, nor endorses, nor guarantees any of the goods, services, information or recommendations provided by third party merchant establishments to the Customer and makes no warranties and assumes no liability with respect to the products and services provided by third party merchant establishments. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the gift vouchers by the third party merchant establishments nor can Deem guarantee the exchange of any of these.
• All disputes in this regard shall be taken up directly by the Customer with the participating establishment.
• Goods, services or gift vouchers to be utilised within the validity period only. Revalidation of these will not be possible.
• The use of goods, services or gift voucher is subject to the terms and conditions stated therein. Goods, services and gift voucher can only be redeemed once unless otherwise specified.
• Redemption of goods, services or gift vouchers is subject to availability.
• For any change in gift vouchers, products or travel bookings the customer must reach out to the respective third party merchant and Deem shall not be liable for any such change requests.
• Provided that the card account is in good standing and that there is sufficient Joy Points in the Customer's Rewards account, a Customer may select to redeem one or more of the Rewards, via such redemption channels available to the Customer. In the event that the Customer's credit card account is no longer in good standing. Then Deem retains the right to suspend the Customer's Joy Points program.

Joy Points: Expiry

• Currently, we do not have an expiry date for the Joy Points points.
• In the event of a voluntary closure of the credit card by the primary Cardholder, the Customer must redeem all accumulated Joy Points before closure or the accumulated balance of reward points will expire.
• In the event of card cancellation or if the card is blocked, written off, suspended for any other reason, all accumulated Joy Points will stand forfeited.
• Deem has the right to increase or decrease the term of expiry of the Joy Points at its sole discretion.

Generic

• Joy Points accrued on the Joy Points Rewards program cannot be transferred, exchanged or bartered for any other Rewards offered by Deem independently or under any other loyalty program.
• Joy Points accrued is redeemable at the discretion of Deem.
• Any abuse or fraud relating to the earning and redemption of Joy Points in the program may result in the cancellation and forfeiture of the Joy Points and may also result in card termination.
• Deem reserves the right to suspend, cancel, modify or substitute the Joy Points program, conditions or the method in which the computation of the Joy Points is done or the Joy Points terms and conditions at any time without prior notice to the Customer.
• Deem's decision on the computation, redemption, cancellation, forfeiture, credit or debit of Joy Points will be final, conclusive and binding on the Customer and will not be liable to be disputed or questioned.
• Deem may impose fees on the program or change the conditions of the program at its sole discretion from time to time.
• Spend categories that get included in this program are at the sole discretion of Deem. Spend categories may be increased, decreased or modified as determined from time to time by Deem.
• All Joy Points accrued, redeemed and expired will be available on the Rewards portal of the Customer.
• Any Joy Points redemption requests are subject to approval and subject to availability of the requested Reward at the time of placing the redemption order, and are subject to the program Terms and Conditions and the terms and conditions of the Joy Points reward partners.
• All Reward redemption goods/services are made available on a best-effort basis. Gift voucher partners, travel partners and electronics partners supplying goods and services under Deem Joy Points program are independent contractors and are neither agents nor employees of Deem. Deem neither offers, endorses, nor guarantees any of the goods, services, information or recommendations provided by third parties to Customers, and therefore makes no warranties and assumes no liability with respect to the products and services provided by Deem's reward partners. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the Rewards by the reward partners.
• Deem may provide reward redemption choices of vouchers, good or services issued by participating merchants (Merchants) from time to time at its sole discretion. Deem will not be liable to replace vouchers, goods or services that are lost or destroyed, neither will Deem exchange vouchers, goods or services for any reason whatsoever.
• The use of a voucher shall constitute a purchase of goods or services by the person using the voucher from the Merchant supplying such goods or services, and Deem assumes no liability or responsibility whatsoever for the acts or default of the Merchant (including the failure of the Merchant to honour any Voucher) or in respect of the availability and or any defect or deficiency in the goods or services for which any Voucher is redeemed. Deem is not an agent of the Merchant. Any disputes about quality or performance should be resolved directly with the Merchant.

• The Platinum Joy Points program is only available on Deem Platinum Joy Points Credit Cards.
• The Earn Rate for Retail Transactions are as defined in the Joy Points table below:

  Spend Category	Airlines	Hotel	Department Store	Other Retail purchases
  Spend Category Description	Purchases of airline tickets made at airline offices, websites, travel agencies worldwide	Hotel bookings made at hotels, hotel websites and hotel booking websites worldwide	All purchases made at department stores, ready-to-wear apparel, sportswear, footwear, handbags, fashion accessories, cosmetics & perfume stores, Online shopping	All domestic transactions made in AED currency and all overseas transactions made in non AED currency (*)
  Earn Rates	3x	3x	3x	1x

  (*) Payments towards utility bills, fuel, transport and government services are excluded from Joy Points accrual

• The list of MCC's that are included in the Joy Points program is at the sole discretion of Deem
• The minimum monthly retail spends required to start earning Joy Points is AED 1500.
• Accelerated Joy Points for the Accelerated Spend Categories apply irrespective whether the transaction was completed in the UAE or overseas.
• Joy Points are earned for all shopping including online shopping that cover department stores, ready-to-wear apparel, sportswear, footwear, handbags, accessories, cosmetics & perfumes.
• All Retail Transactions done and posted that are eligible for Joy Points including Accelerated Joy Points earned up to the billing cycle will be summed up and the Earn Rate as per the Platinum Joy Points Table will be applied, after the minimum monthly retail spend target is achieved.
• The descriptions of the Spend Categories provided in table are illustrative and not comprehensive. Only Retail Transactions made under specific MCCs will be eligible under the Joy Points program.
• Deem, Mastercard is/are not responsible if a Retail Transaction does not get captured under the appropriate MCC or if any merchant has different MCC to the one categorised by MasterCard/Visa. All Joy Points earned by the Customer will accumulate on Deem rewards portal.

Joy Points: Eligibility and Earning

• Participation to the Platinum Joy Points program is automatic, provided that the Platinum Credit Card account is active and in good standing (including but not limited to the fact that the customer has failed to make his contractual monthly payment).
• Deem will update your account balance including Joy Points collected and spent and you can view your Joy Points balance on the monthly credit card statement.
• Transactions on supplementary credit card and virtual cards will also earn Joy Points and will accrue to the account of the primary Cardholder.
• The Deem Joy Points program applies to Retail Transactions only.
• The amount of Accelerated Joy Points earned will reflect as "Accelerated Joy Points" on the Deem rewards portal.
• The amount of Joy Points earned on all Other Retail Transactions will reflect as "Regular Joy Points" on the Deem rewards portal.
• The minimum monthly retail spends required to start earning Joy Points is AED 1500.
• The maximum Joy Points that the Customer can earn per billing cycle for all retail spend as per the Platinum Joy Points table is 100,000 Joy Points.
• The maximum Joy Points that the Customer can earn on the Platinum Credit Card as per the Platinum Joy Points table is 300,000 per year.
• Deem reserves the right at any time, without prior notice, including but not limited to the happening of any of the following events:
  • Failure to comply with these terms and conditions.
  • Supplying false or misleading information to us or our partners.
  • Abuse of any membership privileges.
  • If you don't use, collect or spend Joy Points for a period of thirty - six (36) months.
  • Death or bankruptcy of the primary Cardholder.

  to add and/or change the terms and conditions of the Deem Joy Points program including, changing the number of Joy Points earned for spending, or the number of Joy Points required to redeem Rewards, impose caps and/or fees on earning and/or redeeming Joy Points, or cancel Rewards without prior notice to the Customer.

• Joy Points have no monetary value and cannot be sold, transferred or otherwise dealt with except in accordance with these terms and conditions.
• Deem will not be held liable for any loss, theft, damage or unauthorised use of Joy Points.
• All exclusions and limitations of liability in these terms and conditions apply for our security and the benefit of all partners and reward providers.
• Partners and reward providers do not have any authority, expressed or implied, to make any representation or warranty on our behalf.
• Each Customer's Deem Joy Points Account will be credited daily and can be viewed monthly on the card statement based on the retail purchases until the statement date of the Deem Credit Card of the Customer. Deem Joy Points will accrue at the Earn Rate. Deem may change the rates of accrual in its sole discretion without prior notice. Any such changes will be updated on the Website. The Customer is solely responsible for checking the Website at frequent intervals to keep abreast of any changes to the Deem Joy Points program Terms and Conditions.
• Bonus Joy Points and spend bonus Joy Points will be awarded to the Customer upon the occurrence of the following conditions: (i) Upon payment of the annual fees in full once it is billed on or before the due date as per the statement; and (ii) Customer achieves a minimum spend as specified in the welcome pack over a period of 60 (sixty) days following the date of the card account approval. The Customer shall forfeit the entire acquisition bonus Joy Points and/or spend bonus Rewards in the event any of the conditions specified in this paragraph are not met in time. The acquisition bonus Joy Points and the spend bonus Rewards will appear in the Customer's Joy Points account in the following month.
• Bonus Joy Points will be awarded to a Customer from time to time on account of select promotions and special offers which will be communicated to the Customer in the manner determined by Deem. Bonus Joy Points will be calculated on the basis of Retail Transactions billed to the card account for the relevant promotion period and are subject to the terms and conditions of the promotion.

Joy Points: Redemption

• Primary Cardholders can request to redeem their Joy Points through Deem mobile app or online portal.
• All reward redemption options offered by Deem, Deem's reward partners are available on www.Deemrewards.io
• The value of Joy Points earned is 100 Deem Joy Points = 1 AED.
• Deem may at its sole discretion and without prior notice amend the redemption value of Joy Points.
• In order to be eligible to redeem Joy Points for Rewards, there must be sufficient Joy Points in the Customer's Rewards account to cover the entire redemption value of the elected Reward(s). If the amount of the Joy Points is not sufficient to cover the entire redemption value of the Reward(s), the Customer may make the purchase using their Deem Credit Card for the deficit amount.
• The Customer must have 10,000 Joy Points to be able to redeem their Joy Points for Rewards on the Rewards portal.
• Customers have the option of redeeming their Joy Points against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal. Goods/services cannot be exchanged for cash (in part or in full).
• All online gift vouchers are available on a best-effort basis through third party merchant establishments who are independent contractors and are neither agents nor employees of Deem. Deem does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Joy Points Program. Deem neither offers, nor endorses, nor guarantees any of the goods, services, information or recommendations provided by third party merchant establishments to the Customer and makes no warranties and assumes no liability with respect to the products and services provided by third party merchant establishments. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the gift vouchers by the third party merchant establishments nor can Deem guarantee the exchange of any of these.
• All disputes in this regard shall be taken up directly by the Customer with the participating establishment.
• Goods, services or gift vouchers to be utilised within the validity period only. Revalidation of these will not be possible.
• The use of goods, services or gift voucher is subject to the terms and conditions stated therein. Goods, services and gift voucher can only be redeemed once unless otherwise specified.
• Redemption of goods, services or gift vouchers is subject to availability.
• For any change in gift vouchers, products or travel bookings the customer must reach out to the respective third party merchant and Deem shall not be liable for any such change requests.
• Provided that the card account is in good standing and that there is sufficient Joy Points in the Customer's Rewards account, a Customer may select to redeem one or more of the Rewards, via such redemption channels available to the Customer. In the event that the Customer's credit card account is no longer in good standing. Then Deem retains the right to suspend the Customer's Joy Points program.

Joy Points: Expiry

• Currently, we do not have an expiry date for the Joy Points points.
• In the event of a voluntary closure of the credit card by the primary Cardholder, the Customer must redeem all accumulated Joy Points before closure or the accumulated balance of reward points will expire.
• In the event of card cancellation or if the card is blocked, written off, suspended for any other reason, all accumulated Joy Points will stand forfeited.
• Deem has the right to increase or decrease the term of expiry of the Joy Points at its sole discretion.

Generic

• Joy Points accrued on the Joy Points Rewards program cannot be transferred, exchanged or bartered for any other Rewards offered by Deem independently or under any other loyalty program.
• Joy Points accrued is redeemable at the discretion of Deem.
• Any abuse or fraud relating to the earning and redemption of Joy Points in the program may result in the cancellation and forfeiture of the Joy Points and may also result in card termination.
• Deem reserves the right to suspend, cancel, modify or substitute the Joy Points program, conditions or the method in which the computation of the Joy Points is done or the Joy Points terms and conditions at any time without prior notice to the Customer.
• Deem's decision on the computation, redemption, cancellation, forfeiture, credit or debit of Joy Points will be final, conclusive and binding on the Customer and will not be liable to be disputed or questioned.
• Deem may impose fees on the program or change the conditions of the program at its sole discretion from time to time.
• Spend categories that get included in this program are at the sole discretion of Deem. Spend categories may be increased, decreased or modified as determined from time to time by Deem.
• All Joy Points accrued, redeemed and expired will be available on the Rewards portal of the Customer.
• Any Joy Points redemption requests are subject to approval and subject to availability of the requested Reward at the time of placing the redemption order, and are subject to the program Terms and Conditions and the terms and conditions of the Joy Points reward partners.
• All Reward redemption goods/services are made available on a best-effort basis. Gift voucher partners, travel partners and electronics partners supplying goods and services under Deem Joy Points program are independent contractors and are neither agents nor employees of Deem. Deem neither offers, endorses, nor guarantees any of the goods, services, information or recommendations provided by third parties to Customers, and therefore makes no warranties and assumes no liability with respect to the products and services provided by Deem's reward partners. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the Rewards by the reward partners.
• Deem may provide reward redemption choices of vouchers, good or services issued by participating merchants (Merchants) from time to time at its sole discretion. Deem will not be liable to replace vouchers, goods or services that are lost or destroyed, neither will Deem exchange vouchers, goods or services for any reason whatsoever.
• The use of a voucher shall constitute a purchase of goods or services by the person using the voucher from the Merchant supplying such goods or services, and Deem assumes no liability or responsibility whatsoever for the acts or default of the Merchant (including the failure of the Merchant to honour any Voucher) or in respect of the availability and or any defect or deficiency in the goods or services for which any Voucher is redeemed. Deem is not an agent of the Merchant. Any disputes about quality or performance should be resolved directly with the Merchant.

• The World Joy Points program is only available on Deem World Joy Points Credit Cards.
• The Earn Rate for Retail Transactions are as defined in the Joy Points table below:

  Spend Category	Airlines	Hotel	International	Other Retail purchases
  Spend Category Description	Purchases of airline tickets made at airline offices, websites, travel agencies worldwide	Hotel bookings and holiday packages made at hotels, hotel booking websites worldwide	All overseas spend in non AED currencies	All other domestic transactions made in AED currency (*)
  Joy Points Earning	5x	5x	5x	1.5x

  (*) Payments towards utility bills, fuel, transport and government services are excluded from Joy Points accrual

• The list of MCC's that are included in the Joy Points program is at the sole discretion of Deem.
• The minimum monthly retail spends required to start earning Joy Points is AED 2000.
• All Retail Transactions done and posted that are eligible for Joy Points including Accelerated Joy Points earned up to the billing cycle will be summed up and the Earn Rate as per the World Joy Points Table will be applied after the minimum monthly retail spend target is achieved.
• The descriptions of the Spend Categories provided in the table are illustrative and not comprehensive. Only Retail Transactions made under specific MCCs will be eligible under the Joy Points program.
• Deem, Mastercard is/are not responsible if a Retail Transaction does not get captured under the appropriate MCC or if any merchant has different MCC to the one categorised by MasterCard/Visa.
• All Joy Points earned by the Customer will accumulate on Deem's Rewards portal.

Joy Points: Eligibility and Earning

• Participation to the World Joy Points program is automatic, provided that the World Credit Card account is active and in good standing (including but not limited to the fact that the customer has failed to make his contractual monthly payments).
• Deem will update your account balance including Joy Points collected and spent and you can view your Joy Points balance on the monthly credit card Statement.
• Transactions on supplementary credit card will also earn Joy Points and will accrue to the account of the primary Cardholder.
• The Joy Points program applies to Retail Transactions only.
• The amount of Accelerated Joy Points earned will reflect as "Accelerated Joy Points" on Deem rewards portal.
• The amount of Joy Points earned on all Other Retail Transactions will reflect as "Regular Joy Points" on Deem rewards portal.
• The minimum monthly retail spends required to start earning Joy Points is AED 2000.
• The maximum Joy Points that the Customer can earn per billing cycle for all retail spend as per the World Joy Points table is 150,000 Joy Points.
• The maximum Joy Points that the Customer can earn on the World Credit Card as per the World Joy Points table is 500,000 per year.
• Deem reserves the right at any time, without prior notice, including but not limited to the happening of any of the following events:
  • Failure to comply with these terms and conditions.
  • Supplying false or misleading information to us or our partners.
  • Abuse of any membership privileges.
  • Death or bankruptcy of the primary Cardholder.

  to add and/or change the terms and conditions of the Deem Joy Points program including, changing the number of Joy Points earned for spending, or the number of Joy Points required to redeem Rewards, impose caps and/or fees on earning and/or redeeming Joy Points, or cancel Rewards without prior notice to the Customer.

• Joy Points have no monetary value and cannot be sold, transferred or otherwise dealt with except in accordance with these terms and conditions.
• Deem will not be held liable for any loss, theft, damage or unauthorised use of Joy Points
• All exclusions and limitations of liability in these terms and conditions apply for our security and the benefit of all partners and reward providers.
• Partners and reward providers do not have any authority, expressed or implied, to make any representation or warranty on our behalf.
• Each Customer's Deem Joy Points Account will be credited daily and can be viewed monthly on the card statement based on the retail purchases until the statement date of the Deem Credit Card of the Customer. Deem Joy Points will accrue at the Earn Rate. Deem may change the rates of accrual in its sole discretion without prior notice. Any such changes will be updated on the Website. The Customer is solely responsible for checking the Website at frequent intervals to keep abreast of any changes to the Deem Joy Points program Terms and Conditions.
• Bonus Joy Points and spend bonus Joy Points will be awarded to the Customer upon the occurrence of the following conditions: (i) Upon payment of the annual fees in full once it is billed on or before the due date as per the statement; and (ii) Customer achieving a minimum spend as specified in the welcome pack over a period of 60 (sixty) days following the date of the card account approval. The Customer shall forfeit the entire acquisition bonus Joy Points Rewards and/or spend bonus Rewards in the event any of the conditions specified in this paragraph are not timely met. The acquisition bonus Joy Points and the spend bonus Rewards will appear in Customer's Joy Points account in the following month.
• Bonus Joy Points will be awarded to a Customer from time to time on account of select promotions and special offers which will be communicated to the Customer in the manner determined by Deem. Bonus Joy Points will be calculated on the basis of Retail Transactions billed to the card account for the relevant promotion period and are subject to the terms and conditions of the promotion.

Joy Points: Redemption

• Primary Cardholders can request to redeem their Joy Points through Deem mobile app or online portal.
• All reward redemption options offered by Deem, Deem's reward partners are available on www.Deemrewards.io
• The value of Joy Points earned is 100 Deem Joy Points = 1 AED.
• Deem may at its sole discretion and without prior notice amend the redemption value of Joy Points.
• In order to be eligible to redeem Joy Points for Rewards, there must be sufficient Joy Points in the Customer's Rewards account to cover the entire redemption value of the elected Reward(s). If the amount of the Joy Points is not sufficient to cover the entire redemption value of the Reward(s), the Customer may make the purchase using their Deem Credit Card for the deficit amount.
• The Customer must have 10,000 Joy Points to be able to redeem their Joy Points for Rewards on the Rewards portal.
• Customers have the option of redeeming their Joy Points against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal. Goods/services cannot be exchanged for cash (in part or in full).
• All online gift vouchers are available on a best-effort basis through third party merchant establishments who are independent contractors and are neither agents nor employees of Deem. Deem does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Joy Points Program. Deem neither offers, nor endorses, nor guarantees any of the goods, services, information or recommendations provided by third party merchant establishments to the Customer and makes no warranties and assumes no liability with respect to the products and services provided by third party merchant establishments. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the gift vouchers by the third party merchant establishments nor can Deem guarantee the exchange of any of these.
• All disputes in this regard shall be taken up directly by the Customer with the participating establishment.
• Goods, services or gift vouchers to be utilised within the validity period only. Revalidation of these will not be possible.
• The use of goods, services or gift voucher is subject to the terms and conditions stated therein. Goods, services and gift voucher can only be redeemed once unless otherwise specified.
• Redemption of goods, services or gift vouchers is subject to availability.
• For any change in gift vouchers, products or travel bookings the customer must reach out to the respective third party merchant and Deem shall not be liable for any such change requests.
• Provided that the card account is in good standing and that there is sufficient Joy Points in the Customer' Rewards account, a Customer may select to redeem one or more of the Rewards, via such redemption channels available to the Customer. In the event that the Customer's credit card account is no longer in good standing. Then Deem retains the right to suspend the Customer's Joy Points program.

Joy Points: Expiry

• Currently, we do not have an expiry date for the Joy Points points.
• In the event of a voluntary closure of the credit card by the primary Cardholder, the Customer must redeem all accumulated Joy Points before closure or the accumulated balance of reward points will expire.
• In the event of card cancellation or if the card is blocked, written off, suspended for any other reason, all accumulated Joy Points will stand forfeited.
• Deem has the right to increase or decrease the term of expiry of the Joy Points at its sole discretion.

Generic

• Joy Points accrued on the Joy Points Rewards program cannot be transferred, exchanged or bartered for any other Rewards offered by Deem independently or under any other loyalty program.
• Joy Points accrued is redeemable at the discretion of Deem.
• Any abuse or fraud relating to the earning and redemption of Joy Points in the program may result in the cancellation and forfeiture of the Joy Points and may also result in card termination.
• Deem reserves the right to suspend, cancel, modify or substitute the Joy Points program, conditions or the method in which the computation of the Joy Points is done or the Joy Points terms and conditions at any time without prior notice to the Customer.
• Deem's decision on the computation, redemption, cancellation, forfeiture, credit or debit of Joy Points will be final, conclusive and binding on the Customer and will not be liable to be disputed or questioned.
• Deem may impose fees on the program or change the conditions of the program at its sole discretion from time to time.
• Spend categories that get included in this program are at the sole discretion of Deem. Spend categories may be increased, decreased or modified as determined from time to time by Deem.
• All Joy Points accrued, redeemed and expired will be available on the Rewards portal of the Customer.
• Any Joy Points redemption requests are subject to approval and subject to availability of the requested Reward at the time of placing the redemption order, and are subject to the program Terms and Conditions and the terms and conditions of the Joy Points reward Partners.
• All Reward redemption goods/services are made available on a best-effort basis. Gift voucher partners, travel partners and electronics partners supplying goods and services under Deem Joy Points program are independent contractors and are neither agents nor employees of Deem. Deem neither offers, endorses, nor guarantees any of the goods, services, information or recommendations provided by third parties to Customers, and therefore makes no warranties and assumes no liability with respect to the products and services provided by Deem's reward partners. Deem shall not be held responsible in any way for the quality, suitability, fitness, and delays in the provision of the Rewards by the reward partners.
• Deem may provide reward redemption choices of vouchers, good or services issued by participating merchants (Merchants) from time to time at its sole discretion. Deem will not be liable to replace vouchers, goods or services that are lost or destroyed, neither will Deem exchange vouchers, goods or services for any reason whatsoever.
• The use of a voucher shall constitute a purchase of goods or services by the person using the voucher from the Merchant supplying such goods or services, and Deem assumes no liability or responsibility whatsoever for the acts or default of the Merchant (including the failure of the Merchant to honour any Voucher) or in respect of the availability and or any defect or deficiency in the goods or services for which any Voucher is redeemed. Deem is not an agent of the Merchant. Any disputes about quality or performance should be resolved directly with the Merchant.