Cathay Pacific Visa Signature® Card and Cathay Pacific Visa® Card Rewards Addendum to the Asia Miles Rewards Program Terms and Conditions ("Credit Reward Terms")

By applying for and opening a Cathay Pacific Visa Signature Card or a Cathay Pacific Visa Card (each a "Cathay Pacific Visa Card"), you hereby agree to be bound by these Credit Rewards Terms. In addition, you acknowledge you have previously enrolled in the Asia Miles Rewards Program (the "Rewards Program"), or if you have not, you agree to be enrolled in the Rewards Program, and to be bound by the Rewards Program Terms and Conditions ("Rewards Program Terms"), which are available at www.asiamiles.com/am/en/site/terms.

Make Purchases with your Cathay Pacific Visa Card and Earn Asia Miles
When you make an eligible net purchase (eligible purchases minus credits, returns and adjustments) ("Eligible Purchase") with your Cathay Pacific Visa Card, you will automatically earn Asia Miles in your Rewards Program account if your Cathay Pacific Visa Card account is open and in good standing both at the time you make an Eligible Purchase and at the end of your billing cycle during which you made an Eligible Purchase. Asia Miles earned for an Eligible Purchase will be calculated at the end of the billing cycle in which the Eligible Purchase was posted to your Cathay Pacific Visa Card account and will appear in your Rewards Program account within 60 days provided your Rewards Program account is active. Eligible Purchases do not include special financing purchases, balance transfers, cash advances, finance charges and fees associated with your credit card.

Redeem Your Asia Miles
All Asia Miles earned with your Cathay Pacific Visa Card and credited to your Reward Program account can only be redeemed in accordance with the Rewards Program Terms through your Rewards Program account by visiting www.asiamiles.com. Your Cathay Pacific Visa Card account must be open and in good standing when your Asia Miles are calculated at the end of the billing cycle during which you made an Eligible Purchase. If your account is not in good standing at that time, any Asia Miles earned will be not be posted to your Rewards Program account until your Cathay Pacific Visa Card account is brought back into good standing status. If your Cathay Pacific Visa Card account is closed for any reason before your Asia Miles are calculated or credited to your Rewards Program account, you will forfeit all Asia Miles you may have earned that had not yet been credited to your Rewards Program account. Asia Miles will expire three (3) years from the month the mileage is credited.

Marco Polo Club
Receive a complimentary Green Level Marco Polo Club membership for one year when you enroll using your Cathay Pacific Visa Card. This offer is only valid for new Marco Polo Club members.

Initial 12-month membership fee in the Marco Polo Club ("MPC") at the Green membership level (current value $100) will be waived for new MPC enrollment. Must be current Cathay Pacific Visa Cardholder. Offer not transferrable and not applicable to current MPC members. Limit one offer per Cathay Pacific Visa Account. Benefit limited to the primary cardholder only. At the end of the initial 12-month membership period, cardholders who do not re-qualify for MPC membership by earning at least 100 MPC points and who wish to remain members will need to re-enroll in the program at a cost of $100. See MPC Program Terms for details. This offer is provided and serviced by Cathay Pacific Airlines.

Other Conditions
The Rewards Program is managed and operated by Asia Miles Limited ("AML"). AML is a wholly owned subsidiary of Cathay Pacific Airlines. AML reserves the right to cancel, modify, restrict, waive or terminate the Rewards Program or any aspects or features of the Rewards Program, and AML and Synchrony Bank (collectively, "We") reserve the right to cancel, modify, restrict, waive or terminate any aspects or features these Credit Reward Terms (including, without limitation, the number of Asia Miles earned for each dollar in Eligible Purchases made with your Cathay Pacific Visa Card), at any time and without prior notice. AML also reserves the right to remove any participant from the Rewards Program in the event of any fraud or abuse in connection with the Rewards Program. Asia Miles accumulated under the Rewards Program are transferable to other Asia Miles members for a fee once they are credited to your Asia Miles account. Asia Miles accumulated under the Rewards Program are not redeemable for cash, and may not be used for gift-giving purposes. You acknowledge that the Asia Miles earned under the Reward Program and under these Credit Reward Terms have no value and that the Asia Miles are purely promotional and are provided without the payment of any consideration or other thing of value. Unless and until Asia Miles are redeemed in accordance with these Credit Reward Terms and the Rewards Program Terms, you have no right, title or interest in the Asia Miles. If your Cathay Pacific Visa Card is closed, only the Rewards Program Terms will apply to your Rewards Program account and not these Credit Reward Terms. If your Rewards Program account is closed for any reason, you will no longer accumulate Asia Miles with your Cathay Pacific Visa Card. Your Rewards Program membership account must be connected to your Cathay Pacific Visa Card account in order to accumulate and redeem the Asia Miles earned with your Cathay Pacific Visa Card. Please contact Synchrony Bank at 1- 866-273-9028 for Cathay Pacific Visa Signature Card and 1-866-273-9026 for Cathay Pacific Visa Card if you are not earning Asia Miles with your Cathay Pacific Visa Card. In the event of any conflict between these Credit Reward Terms and the Rewards Program Terms, the Rewards Program Terms will control.

Last updated: September 2016
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