Loyalty Points Policy
Last Updated: 8 August 2026
Nature of Caship Points
Caship Points are loyalty incentives. They do not represent bank purchases, e-money issued by a bank, securities, interest, investment returns, lottery winnings, or guaranteed income.
Earning Eligibility
Users may earn Caship Points through eligible purchases, merchant campaigns, referral activity, plan benefits, promotional programs, or other platform-approved activities.
Earning depends on merchant participation, transaction confirmation, plan status, offer terms, user eligibility, technical availability, and compliance checks.
Credit Timing
Caship Points may be credited instantly or after verification. Some rewards may remain pending until transaction confirmation, return period, merchant approval, or fraud checks are complete.
Redemption
Where You Can Redeem
Caship Points may be redeemed only at participating merchants or platform areas where Caship permits redemption.
Redemption Rules
Redemption value, usage limit, minimum points, category rules, merchant acceptance, and expiry may vary by campaign or plan.
Reversal and Forfeiture
Caship may reverse, block, expire, or forfeit Caship Points in cases of refund, cancellation, failed transaction, duplicate credit, misuse, suspicious activity, account closure, policy breach, or merchant dispute.
Expiry
Caship Points may expire according to plan terms, campaign terms, inactivity rules, account status, or published platform policy.
No Transfer or Sale
Caship Points cannot be sold, traded, pledged, transferred outside permitted platform flows, or treated as a financial instrument.