Petrol transactions, Hotel transactions, standing instruction/auto billing, Mail Order/Telephone Order, Balance Transfers, existing Instalment Payment Plan (IPP), Cash Advance, Call-For-Cash, Cash Plus, Outstanding Balance, Finance Charges, Annual Fees, Late Charges, Reversals, Fraudulent retail transactions and other fees and charges are not considered in determining the eligibility and will be excluded from this Promotion (the Excluded Transactions”).