Credit Card 5%  Everyday Value Offer

Below are the Terms and Conditions under which the Mastercard Benefits Program (hereinafter "the Program") will be developed and carried out. The people wishing to participate (hereinafter "The Participant") recognize and accept that the development and execution of the Program will be subject solely and exclusively to these Terms and Conditions.

The Program is sponsored by Mastercard International Incorporated ("Mastercard") with 7Krave, RUBiS Gas, Fontana Pharmacy, Spotify (Music Streaming), and Netflix as “Participant Merchants” in Jamaica.

The following cashbacks will be provided to Participants who comply with these Terms and Conditions as part of the Program:

An Eligible Mastercard Cardholder (as defined below), from an eligible participant Bank (as defined below), shall qualify for the benefits listed in this section, when the eligible Mastercard cardholder from an eligible Bank uses their Mastercard to purchase during the Program Period (as defined below) using his or her Mastercard branded Credit Card and otherwise complies with the participation requirements provided in these Terms and Conditions. If the eligible Mastercard cardholder meets the criteria, then they shall receive the benefits listed below, for purchases at the Participating Merchants. 

a) 7KRAVE- Standard, Gold, Platinum, and Black Consumer Credit Cardholders receive 5% cashback up to $5 USD (apx. 765.00 JMD) maximum cashback per Cardholder per month. Under no circumstances, the Program shall exceed one hundred US Dollars (USD$100,000) in the aggregate throughout the Term.

b) FONTANA PHARMACY: Standard, Gold, Platinum, and Black Consumer Credit Cardholders receive 5% cashback for $45 USD (apx. 6,885.00 JMD) minimum purchases up to $5 USD (apx. 765.00 JMD) maximum cashback per Cardholder per month. Under no circumstances, the Program shall exceed sixty thousand US Dollars (USD$60,000) in the aggregate throughout the Term.

c) RUBiS: Standard, Gold, Platinum, and Black Consumer Credit Cardholders receive 5% cashback for $50 USD (apx. 7,830 JMD) minimum purchases up to $6 USD (apx. 1,100 JMD) maximum cashback per Cardholder per month. Under no circumstances, the Program shall exceed sixty thousand US Dollars (USD$60,000) in the aggregate throughout the Term. Not all RUBiS Service Stations are eligible, find eligible service stations listed below.

d) SPOTIFY PREMIUM: Standard, Gold, Platinum and Black Consumer Credit Cardholder receive 5% cashback when you enroll your card and pay your monthly subscription at Spotify Premium (Valid for the platform paid directly with the streaming provider with the following description in your card account statement SPOTIFY, SPOTIFY [ONLINE]), up to a $1 USD (155.50 JMD) maximum cashback per cardholder, per month. Under no circumstances, the Program shall exceed eleven thousand US Dollars (USD$11,000) in the aggregate throughout the Term.

e) PARTICIPATING MOVIES/SERIES STREAMING SERVICES: Standard, Gold, Platinum and Black Consumer Credit Cardholder receive 5% cashback when you enroll your card and pay your monthly subscription at any of the participating movies and series streaming platforms (Valid for the platforms paid directly with the streaming provider with the following descriptions in your card account statement NETFLIX (ON-LINE), NETFLIX up to a $2 USD (311.00 JMD) maximum cashback per cardholder, per month.

a. For NETFLIX (ON-LINE) or NETFLIX: Under no circumstances, the Program shall exceed seventy-four thousand US Dollars (USD$74,000) in the aggregate throughout the Term.

a) SPOTIFY PREMIUM: Standard and Platinum Consumer Debit Cardholder receive 5% cashback when you enroll your card and pay your monthly subscription at Spotify Premium (Valid for the platform paid directly with the streaming provider with the following description in your card account statement SPOTIFY, SPOTIFY [ON-LINE]), up to a $1 USD (155.50 JMD) maximum cashback per cardholder, per month. Under no circumstances, the Program shall exceed forty-eight thousand US Dollars (USD$48,000) in the aggregate throughout the Term.

b) PARTICIPATING MOVIES/SERIES STREAMING SERVICES: Standard and Platinum Consumer Debit Cardholder receive 5% cashback when you enroll your card and pay your monthly subscription at any of the participating movies and series streaming platforms (Valid for the platforms paid directly with the streaming provider with the following descriptions in your card account statement NETFLIX (ON-LINE), NETFLIX, up to a $2 USD (311.00 JMD) maximum cashback per cardholder, per month.

b. For NETFLIX (ON-LINE) or NETFLIX: Under no circumstances, the Program shall exceed two hundred sixteen thousand US Dollars (USD$216,000) in the aggregate throughout the Term. 

Cashback is a refund issued in the card account bank statement after the purchase transaction is posted and settled by the bank for the amount set in the above program mechanic. The Program is valid during the Program period which begins at 12 a.m. on Thursday, February 1st, 2024, and ends on January 31st, 2025 (the "Program Period")

Individuals may participate in the Program if they comply with all the following:

1. They possess a valid and active Mastercard branded Standard, Gold, Platinum, or Black Consumer Credit Card or Standard, Platinum, or Black Consumer Debit Card.

2. The Mastercard branded Standard, Gold, Platinum, or Black Consumer Credit Card or Standard, Platinum, or Black Consumer Debit Card used for the purchase at the Participant Merchants is open and in good standing with the financial institution that issued said Mastercard branded Credit or Debit Card.

3. They charge all services/products consumed/purchased from Participant Merchants to the above mentioned Mastercard card(s).

4. They accept these Terms and Conditions.

5. Participant is at least eighteen (18) years of age. 

To access the cashback which is the subject of this Program each Participant must: agree that by receiving, using, or accepting the benefit of this Program, the Participant acknowledges to have read these Terms and Conditions and to have duly agreed to be absolutely bound by these Terms and Conditions.

• 7KRAVE: 5% cashback up to $5 USD (apx. 765.00 JMD) maximum cashback per Cardholder per month.
• FONTANA PHARMACY: 5% cashback up to $5 USD (apx. 765.00 JMD) maximum cashback per Cardholder per month.
• RUBIS GAS: 5% cashback up to $6 USD (apx. 1,100 JMD) maximum cashback per Cardholder per month.
• SPOTIFY PREMIUM: 5% cashback up to a $1 USD (155.50 JMD) maximum per cardholder, per month.
• PARTICIPATING MOVIES/SERIES STREAMING SERVICES: 5% cashback up to a $2 USD (311.00 JMD) maximum cashback per cardholder, per month. 

• SPOTIFY PREMIUM: 5% cashback up to a $1 USD (155.50 JMD) maximum per cardholder, per month.
• PARTICIPATING MOVIES/SERIES STREAMING SERVICES: 5% cashback up to a $2 USD (311.00 JMD) maximum cashback per cardholder, per month. 

• The following individuals cannot participate in the Program: Participants who are younger than 18 years old.
• Participants who pay or partially-pay with a different method or banks than the one stated in the participation requirements (stated above).

National Commercial Bank Jamaica Limited (NCB), First Caribbean Intl Bank Barbados Ltd, Bank of Nova Scotia Jamaica Limited, Sagicor Bank Jamaica Limited, Jamaica CoOperative Credit Union League Limited and CardnPay Limited. 

Mastercard reserves the right to, in its sole discretion, invalidate any and all participation of any Participant Merchant, if Mastercard considers that the Participant Merchant has tried, or has effectively managed, to unlawfully or fraudulently manipulate the administration, security, equity and due execution of the Program.

1. The discount and/or benefit and/or cashback which is the subject of this Program is personal and non-transferable.

2. This Program is not redeemable for cash.

3. The Participant Merchants are exclusively and directly responsible to the Participants for the quality of the products and or services, as well as for compliance with all existing standards (during the Program Period) related to production, standards of health, marketing and use of the products/services that are the object of the Program. Mastercard does not provide any product and / or service, nor is responsible for the products or services that are the object of the Program, nor for human, technical or computer errors that cause the discount of this Program not to be received.

4. Neither Mastercard, nor its designees, nor assignees, nor any of their respective directors, employees, representatives and / or agents, will be liable for damages that are totally or partially due, directly, or indirectly, to the acceptance of the products or services offered by the Participant Merchants, including physical, mental, or patrimonial damage, serious bodily injury, or death.

5. By participating, it will be understood that the Participants have accepted these Terms and Conditions in their entirety.

6. These Terms and Conditions will be valid before the Participant Merchants, independently of the proposals, offers and / or communications from the issuing banks, as well as third parties, directly related to these Terms and Conditions. 

To the extent permitted by the Jamaica legislation and if necessary, and/or at the discretion of Mastercard, Mastercard reserves the right to extend and/or clarify the scope of these Terms and Conditions, and/or any of the procedures, and/or any of its Participant Merchants and/or cashback amount and/or Program Mechanic which will be communicated through the social networks and the Program website. 

Jamaica. 

Participants acknowledge and agree that the applicable law of any dispute arising in relation to the activity will be that of in Jamaica and waives its right to initiate any type of claim in another jurisdiction.

These Terms and Conditions are available for consultation during the Program Period at mastercard.com/ja