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Terms & Conditions



Definitions

  • 1.1 “QIB ABSHER” means the rewards program established by QIB and subject to these Terms and Conditions.
  • 1.2 "QIB ABSHER Account" means the account reflecting all transactions relating to QIB ABSHER for a particular QIB ABSHER Accountholder in QIB ’s records, including earned QIB ABSHER Points, adjusted QIB ABSHER Points, bonus QIB ABSHER Points, redeemed QIB ABSHER Points and expired QIB ABSHER Points.
  • 1.3 "QIB ABSHER Accountholder" means, in relation to each QIB Absher Relationship, the customer or, where there is more than one person comprising the customer, the first named signatory holding such relationship.
  • 1.4 "QIB ABSHER Booking Policy" means the booking policy to redeem QIB ABSHER Points as published from time to time on the QIB ABSHER Website.
  • 1.5 "QIB ABSHER Points" means the reward points credited/debited to the QIB ABSHER Account as a result of any QIB Absher Relationship or QIB Absher Transaction.
  • 1.6 "QIB ABSHER Rewards" has the meaning set out in Clause 6.6.
  • 1.7 "QIB ABSHER Statement" has the meaning set out in Clause 5.1.

Binding Effect

The following terms and conditions ("Terms and Conditions") are applicable to QIB ABSHER and, by becoming a QIB ABSHER Accountholder, you agree to be bound by the Terms and Conditions, as the same may be amended, supplemented, updated, replaced or otherwise varied by QIB from time to time and you represent and warrant that you are aged at least 18 years.

  • 2.1 All determinations to be made under QIB ABSHER shall be made by QIB , at its absolute discretion and on the basis of QIB Records, and each such determination shall be final, conclusive and binding on the QIB ABSHER Accountholder, save in the absence of manifest error made known to QIB by the QIB ABSHER Accountholder in accordance with the time limit set out in Clause 5.2
  • 2.1.1 QIB reserves the right, at any time, at its absolute discretion, without notice and without liability whatsoever on its part, to supplement, amend, replace, delete or otherwise vary any of the Terms and Conditions, including the Schedules, as well as the terms and conditions of any other policy referred to in the Terms and Conditions, and to change, vary, modify, terminate or cancel QIB ABSHER or any of its benefits or features, or otherwise do any other act with respect to the whole or any part of QIB ABSHER, or to withdraw or change the membership criteria and/or to limit or change the value / validity of QIB ABSHER and/or the manner of redemption on, QIB ABSHER, . By becoming a QIB ABSHER Accountholder, you acknowledge and accept that the mentioned foregoing acts may diminish the redemption value of QIB ABSHER Points already earned and agree you shall not be entitled to claim compensation for any such loss in value.
  • 2.1.2 By becoming a QIB ABSHER Accountholder, you acknowledge and agree that the Terms and Conditions, as well as other information regarding QIB ABSHER, are published and may be accessed online at www. QIB Absher.qa, and you acknowledge and agree to keep yourself updated with the most up to date and current version.
  • 2.2 In addition to these Terms and Conditions, each QIB ABSHER Accountholder continues to be subject to the Group’s General Terms and Conditions on QIB’s website and to the General Terms and Conditions of Account Opening and the terms and conditions applicable to the relevant QIB product which made him/her eligible for participation in QIB ABSHER, including without limitation, personal finance, auto finance, mortgage finance, investment products, bancassurance, credit card, debit card, current account, savings account, fixed deposit, electronic transaction channels and such other terms and conditions as may be included by QIB from time to time, which are incorporated by reference herein and copies of which shall be provided to the QIB ABSHER Accountholder upon request.
  • 2.3 We may use and share your information with other members of the Group to help us and them (a) assess financial and insurance risk; (b) recover debt; (c) prevent crime; (d) understand our customers’ requiremnets; and develop and test products and services.

Membership

Membership in QIB ABSHER is automatic for each QIB customer holding a QIB Absher Relationship and who is in good standing and otherwise not in breach of any terms and conditions relating to such QIB Absher Relationship.

  • 3.1 The QIB ABSHER membership is limited to the primary (i.e. first named) customer accountholder. Membership qualifies the QIB Accountholder to benefit from special offers and promotions which may be provided by QIB from time to time, provided the QIB Absher Relationship is in good standing and provided there has been satisfactory conduct of the customer’s account).
  • 3.2 Membership is also subject to the qualifications and conditions (including annual QIB ABSHER Points accrual limits, if any) as determined by QIB. QIB reserves the right, at any time and without notice, to impose a validity period on membership, as well as to extend or reduce the same.
  • 3.3 In the case of joint or multiple holders of a QIB Absher Relationship, all authorized signatories will be automatically enrolled on QIB ABSHER. However, the use and redemption of QIB ABSHER Points shall only be available to the primary (i.e. first named) QIB Absher Relationship signatory as per QIB Records and is limited as described in the Terms and Conditions. However, each QIB ABSHER Accountholder will accrue QIB ABSHER Points with respect to his or her related accounts or services to be credited to the QIB ABSHER Account. Each QIB ABSHER Account is identified by the Customer Identification (RIM) Number of the primary (i.e. first named) QIB Absher Relationship signatory as established by QIB Records.
  • 3.4 In the event that a customer account signatory (ies) or a supplementary cardholder(s) is/are removed from the relevant QIB Absher Relationship, then such signatory (ies) or supplementary cardholder(s) is/are no longer eligible to participate in QIB ABSHER.
  • 3.5 QIB reserves the right, at any time, at its absolute discretion, without notice and without liability whatsoever on its part, to withdraw or discontinue any one or more of the QIB Absher Relationships or QIB Absher Transactions and terminate membership on QIB ABSHER and revoke any accrued QIB ABSHER Points.
  • 3.6 Membership on QIB ABSHER is automatically terminated upon the death, bankruptcy, or unsatisfactory conduct of the account or relationship of the primary (i.e. first named) QIB Absher Relationship holder.
  • 3.7 Upon termination of membership, all QIB ABSHER Points accrued in the QIB ABSHER Account shall be immediately forfeited and cancelled by QIB. QIB may also delete the terminated QIB ABSHER Account on the QIB ABSHER Website.

QIB Absher Points

  • 4.1 QIB shall determine, from time to time, at its absolute discretion, which QIB Absher Relationships (including, without limitation, personal finance, auto finance, investment products, banc assurance, current / savings account, fixed deposit, debit card or credit card, mortgage finance and electronic channels), and which QIB debit card and credit card transactions (each a “ QIB Absher Transaction”) are eligible for inclusion in QIB ABSHER and how many QIB ABSHER Points each will earn, the associated limits on earnings as well as the number of

    QIB ABSHER Points required for redemption of QIB ABSHER Rewards. In case of a reversal of any QIB Absher Transaction, QIB ABSHER Points credited to the QIB ABSHER Account as a result of such QIB Absher Transaction will be deducted from the accrued QIB ABSHER Points credit balance. Debits to the QIB ABSHER Account unrelated to any reversed QIB Absher Transaction will reduce the accrued QIB ABSHER credit balance as per the calculation criteria set out for a particular QIB Absher Relationship. No QIB ABSHER Points may be earned during a promotion, special offer or other black-out period or through the redemption of any QIB ABSHER Points as determined by QIB from time to time and at its absolute discretion.
  • 4.2 Pursuant to Clause 4.1, QIB ABSHER Points are earned for each of the QIB Absher Relationship or QIB Absher Transactions subject to QIB ABSHER earning criteria, and no QIB ABSHER Points shall be awarded retroactively. Schedule B sets out the list of further conditions attached to the earning of QIB ABSHER Points in relation to each type of QIB Absher Relationship or QIB Absher Transaction. QIB ABSHER Points are calculated by rounding down the transaction value to the nearest integer.
  • 4.3 QIB ABSHER Points are not assignable or otherwise transferable, nor can QIB ABSHER Points of one QIB Absher Relationship holder or QIB Absher Transaction holder be combined with those of another.
  • 4.4 In the event of a change to the status of a QIB Absher Relationship (such as an upgrade or downgrade), the future calculation of QIB ABSHER Points shall be adjusted by QIB accordingly
  • 4.5 QIB ABSHER Points are valid only for a period of three (3) years from the start of the month during which such QIB ABSHER Points are earned. Unless used prior to the expiration date, QIB ABSHER Points shall expire on such date. Upon expiration, unused QIB ABSHER Points will be removed from the QIB ABSHER Account as of the expiration date and cannot be re-credited. It is the QIB Absher Relationship or QIB Absher Transaction holder's responsibility to be aware of both the number of QIB ABSHER Points outstanding in his account and their expiration date. This can be monitored at any time online on the QIB ABSHER Website.

QIB Absher Statement

  • 5.1 A record of QIB ABSHER activity for each QIB Absher Relationship will be mailed electronically or otherwise made electronically available in the form of an electronic or online statement (“QIB ABSHER Statement”) to the QIB ABSHER Accountholder on a regular basis, the regularity to be determined by QIB at its absolute discretion. QIB ABSHER Points shall be transferred on a periodic basis as per the QIB Absher Relationship or QIB Absher Transaction activity into the QIB ABSHER Account for the purpose of accruing QIB ABSHER Points. All the QIB ABSHER Points shall accrue and expire as described in these Terms and Conditions and any additional terms and conditions contained in the QIB ABSHER Statement. A QIB Absher Relationship holder may access a copy of his/her QIB ABSHER Statement online on the QIB ABSHER Website.
  • 5.2 Any manifest error in the QIB ABSHER Statement must be reported to QIB within fourteen (14) days of the QIB ABSHER Statement date.

Redemption of QIB Absher Points.

  • 6.1 Provided that theQIB Absher Relationship is active and in good standing, and subject to the approval of QIB, QIB ABSHER Points may be redeemed (i) in exchange for air tickets, hotel stays or other specific merchandise, as may be published from time to time on the QIB ABSHER Website, if available for purchase, (ii) vouchers for any of the items of merchandise mentioned in (i) above, or (iii) to off-set specified QIB fees and/or charges, as determined by QIB.
  • 6.2 Only QIB ABSHER Points that are registered in and credited to the QIB ABSHER Account, at the time of redemption, are eligible for redemption as determined conclusively by QIB in accordance with the QIB Records and in the absence of manifest error.
  • 6.3 The redemption of QIB ABSHER Points by each QIB ABSHER Accountholder is effected by logging onto and using the QIB ABSHER Website. Any instructions conveyed by the QIB Absher Relationship holder will be governed by the terms and conditions of the respective mode of redemption. QIB, at its absolute discretion, may act upon the instructions received through these modes of redemption.
  • 6.4 In the case of joint or multiple QIB Absher Relationship holders, only the primary (i.e. first named) signatory is eligible to redeem QIB ABSHER Points. Additional QIB ABSHER Points, however, may be purchased for a non-refundable fee if made available and agreed by QIB.
  • 6.5 In the case where QIB ABSHER Points are subtracted from the QIB ABSHER Account and it reduces or eliminates the accumulated QIB ABSHER Points resulting in a negative QIB ABSHER Account balance, QIB may, at its absolute discretion, either suspend delivery of the QIB ABSHER Reward or permit the delivery of the QIB ABSHER Reward and either debit the equivalent cash value of the negative balance or use any subsequently accrued QIB ABSHER Points to offset the negative QIB ABSHER Account balance until such balance has returned to zero or positive.
  • 6.6 QIB ABSHER Points redemptions (each a " QIB ABSHER Reward") are always subject to QIB ’s approval, QIB ’s terms and conditions for the relevant QIB ABSHER Reward, the availability of the QIB ABSHER Reward at the time the redemption is requested, and any restrictions imposed by any supplier or issuer of the good or services the subject of the QIB ABSHER Reward. At any time and at its absolute discretion, QIB may, without notice or liability, cancel the QIB ABSHER Reward order and substitute the QIB ABSHER Reward with another of comparable nature and value as determined by QIB.
  • 6.7 Details of the QIB ABSHER Rewards are set out on the QIB ABSHER Website. Reasonable efforts have been made to ensure that the information contained in the QIB ABSHER Rewards Catalogue for Goods and Services is accurate. QIB is not responsible, and shall not be held responsible, for any errors, inaccuracies or omissions appearing therein.
  • 6.8 Redemption of air tickets, hotel stays, other merchandise and or the issue of vouchers for the same pick up the specified reward/s at / from QIB -authorized merchants and are subject to the terms and conditions as may be prescribed by the issuer or supplier thereof from time to time.
  • 6.9 Once issued, redemption of air tickets, hotel stays, other merchandise and vouchers are not exchangeable, returnable, refundable, or redeemable for cash or credit, nor will they be replaced in the event of loss, damage or destruction. Once submitted, an order for a redemption of air tickets, hotel stays or other merchandise or a voucher cannot be cancelled, revoked, transferred or changed by the QIB ABSHER Accountholder in any manner.
  • 6.10 Redemption of air tickets, hotel stays and other merchandise or the issue of vouchers for the same are sent to the QIB ABSHER Accountholder’s email ID or billing address in QIB Records. If the QIB ABSHER Accountholder wishes to have them sent to a different e-mail ID or delivery address, the e-mail ID or delivery address contained in the QIB ABSHER Accountholder’s account profile on the QIB ABSHER Website must be updated prior to redeeming any QIB ABSHER Points. QIB will not be responsible for any redemption of air tickets, hotel stays or other merchandise or the issue of a voucher sent to the wrong e-mail ID or delivery address or returned as a result of the QIB ABSHER Accountholder’s failure to update his/her account profile information on the QIB ABSHER Website.
  • 6.11 Should the goods or services the subject of a QIB ABSHER Reward be received in a damaged or defective condition, the QIB ABSHER Accountholder must notify the relevant supplier of such damage or defect within the stipulated number of days as mentioned in the purchase receipt. QIB shall use its reasonable efforts to convey the QIB ABSHER Accountholder’s complaint to the supplier and arrange, whenever possible, for an appropriate replacement of comparable nature and value as determined by QIB. Notwithstanding the foregoing, QIB shall not be held responsible in any manner whatsoever for damaged or defective goods or services the subject of a QIB ABSHER Reward.

Forfeiture of QIB Absher

All QIB ABSHER Points of a QIB ABSHER Accountholder shall be forfeited and shall be cancelled immediately and no additional or unprocessed redemption requests of QIB ABSHER Points shall accrue in the QIB ABSHER Account in the following circumstances: (a) the QIB Absher Relationship has been closed or is not in good standing (as determined by QIB at its absolute discretion); (b) breach of any of these Terms and Conditions and/or any other terms and conditions expressly incorporated by reference in these Terms and Conditions; or (c) any other event or circumstance exists, which, in the absolute discretion of QIB , should result in such forfeiture.


Indemnity

  • 7.1 QIB shall not be liable for losses, damages, expenses, claims or any other liability whatsoever, whether direct, indirect, consequential, incidental, special or punitive, sustained by a QIB ABSHER Accountholder as a result of the availability, non-availability, maintenance or operation of the QIB ABSHER Website, the redemption of QIB ABSHER Points, the possession and/or use of a QIB ABSHER Reward, or in any other way arising from

    membership in, or in connection with, QIB ABSHER, nor shall QIB be responsible or held liable for any amounts payable by a QIB ABSHER Accountholder to any third party arising out of the purchase, supply, quality, installation, use or otherwise, of a QIB ABSHER Reward, or of any negligence, breach of statutory or other duty on the part of QIB, any supplier, issuer, merchant and/or other person associated in any way, directly or indirectly, with QIB ABSHER.
  • 7.2 QIB makes no representation and provides no warranty whatsoever, expressed or implied, and undertakes and assumes no liability whatsoever, in respect of the quality of any goods or services the subject of a QIB ABSHER Reward or their suitability or fitness for any use or purpose. All goods or services the subject of a QIB ABSHER Rewards shall be accepted by the QIB Absher Relationship holder at his/her own risk and peril.
  • 7.3 QIB is not responsible for any disputes involving QIB ABSHER Rewards or any other aspect of QIB ABSHER between joint signatories or multiple persons holding the relevant QIB Absher Rewards Relationship. Any personal liability arising out of the delivery or use of QIB ABSHER Rewards is solely the responsibility of the QIB ABSHER Accountholder and any other holders of the relevant QIB Absher Rewards Relationship.

Breach of Terms and Conditions

In the event of a breach by a QIB ABSHER Accountholder of these Terms and Conditions or of any applicable provisions in any terms and conditions incorporated by reference in these Terms and Conditions, or in the event of the failure on the part of a QIB ABSHER Accountholder to pay for any outstanding amounts due to QIB within the prescribed time set by QIB or for any other reason whatsoever, QIB reserves the right, at its absolute discretion, to:

  • 8.1 terminate the QIB ABSHER Accountholder’s membership on QIB ABSHER and close his/her QIB ABSHER Account;
  • 8.2 refuse to award any future QIB ABSHER Points;
  • 8.3 withdraw any QIB ABSHER Points earned; and/or
  • 8.4 refuse to permit the redemption of any QIB ABSHER Points. Such action by QIB in respect of a QIB ABSHER Accountholder may result, in QIB ’s absolute discretion, in the forfeiture of all of the QIB ABSHER Accountholder’s QIB ABSHER Points and any QIB ABSHER Rewards purchased and unused.

Governing Law

These Terms and Conditions are governed by the laws of the Qatar.

Language:

These Terms and Conditions are in English and Arabic. If there is any discrepancy between the two languages: the English shall take precedence to interpret the will of the Parties.


SCHEDULE A

QIB Absher Relationship*

  • Debit Cards issued by QIB
  • Charge / Revolve Cards issued by QIB
  • New Salary Accounts – where the monthly salary is QR 10,000 or more
  • Fixed Deposits
  • Mobile Banking Registration
  • International Remittance/Transfers
  • New Private Banking and Tamayuz Banking customers
  • or Any other banker customer relationship as determined by QIB from time to time.

* The QIB ABSHER Rewards Earning Table will be mailed electronically and/or published on the QIB ABSHER Website, and may be amended, supplemented, updated, replaced or otherwise varied from time to time by QIB, at its absolute discretion without prior notice. The QIB ABSHER Rewards Earning Table sets out the specific terms and conditions relating to each QIB Absher Relationship and each QIB Absher Rewards Transaction and such table, terms and conditions shall be incorporated by reference in these Terms and Conditions.


SCHEDULE B

For Debit Cards:

No QIB ABSHER Points shall be earned for QIB debit card transactions on domestic Point Of Sale, Domestic ATM and International ATM transactions and related to the following: a) fees and charges b) transactions that QIB determines, in its absolute discretion, are disputed, erroneous, unauthorized, illegal and/or fraudulent; and (c) any other transactions that QIB may include on this list from time to time.

For Credit Cards (Charge and Revolve Cards):

No QIB ABSHER Points shall be earned for QIB credit card transactions on Domestic ATM transactions and related to the following: (a) fees and charges (b) any payments or amounts deposited or credited to the card account (c) transactions that QIB determines, in its absolute discretion, are disputed, erroneous, unauthorized, illegal and/or fraudulent; and (d) any other transactions that QIB may include on this list from time to time.

For Payroll (on monthly salary transfer of QAR 10,000 or more):

  • QIB ABSHER Points will be credited to the QIB ABSHER Account upon receipt of any new monthly salary.
  • New salary refers to salary being credited for the first time in the account.
  • This is applicable for existing and new account holders.
  • For existing customers there should be no salary credit for the last 6 months.
  • The amount of the salary against which QIB ABSHER Points can be earned will be at the absolute discretion of QIB and may not include allowances, bonuses, reimbursements and other similar non salary credits.

For Fixed Deposit:

  • QIB ABSHER Points shall be earned and credited to the QIB ABSHER Account as per conditions conveyed by QIB from time to time, and only if such QIB ABSHER Account remains active and in good standing during such period.
  • All New Term Deposits, booked from the day of launch of the Loyalty Program under Personal banking group will be eligible to earn points.
  • Minimum tenor of the above deposits should be 6 months and above.
  • The above deposits can be booked by existing and new account holders.
  • Any renewals of deposits mentioned above will not earn any points.

For Mobile Banking Registration:

  • Bonus QIB ABSHER Points will be credited to the QIB ABSHER Account upon any customer registering for QIB Mobile Banking application after the launch of loyalty program.
  • QIB ABSHER Points will be credited to the QIB ABSHER Account only on the first registration (once per Customer).
  • Providing QIB ABSHER points on the first registration will be at the absolute discretion of the Bank.

For International Remittance / Transfers:

  • QIB ABSHER Points will be credited to the QIB ABSHER Account on all International transfers through mobile banking.
  • International Remittance refers to transfers outside Qatar.
  • Providing QIB ABSHER points on the international transfers will be at the absolute discretion of the Bank.

For Private Banking/Tamayuz Banking Customers:

  • Bonus QIB ABSHER Points will be credited to the QIB ABSHER Account to all New Customers opening accounts under Private /Tamayuz Banking.
  • The QIB ABSHER points will be credited for the first time only.
  • Providing QIB ABSHER points for the new Private/Tamayuz customers will be at the absolute discretion of the Bank.