MedMiles Rewards Program Terms & Conditions
Bankmed offers Cardholders an exciting miles-for-purchases rewards program with the alliance of the renowned Lebanese airlines – MEA. While enjoying their spending, miles are accumulated to their Card account. Cardholders are free to choose their trips to a variety of destinations around the world.
This agreement sets out the Terms and Conditions that govern the MedMiles Rewards Program.
In this agreement the following expressions shall have the following meaning unless the context otherwise requires:
"Bank", "Bankmed", "we", "us" and "our" refer to Bankmed s.a.l. a company duly incorporated under the laws of the Republic of Lebanon, commercial register no. 5261 Beirut, list of banks no. 22, Beirut, Lebanon;
“Airlines” currently refers to Middle East Airlines (MEA);
“Participating Airlines” are airlines from which we buy redeemed airline tickets for MedMiles Rewards Program other than MEA;
“MedMiles” refers to MedMiles rewards program set in agreement between Bankmed and MEA. Bankmed has the right to modify the program and add/change the airlines participating in the MedMiles rewards program;
“Miles” refer to the MedMiles earned upon using MedMiles card for eligible transactions as designed by the MedMiles Rewards Program.
"You", "your", "yours" and "Cardholder" refer to you as Cardholder of a Card issued by us;
"Main Cardholder" means a Cardholder who holds a Card that is issued by us and in whose name the Card account is held;
“Ticketholder” means the person in whose name the Main Cardholder has redeemed a MedMiles Rewards ticket;
“Service Provider” is an entity that provides a service to Bankmed or on behalf of Bankmed to its Cardholders/Ticketholders;
"Card" means MedMiles cards issued by us as determined by us from time to time and currently includes namely Infinite, Platinum, Gold and Classic Visa cards having a US$ base currency;
"Earn Rate" means 1 mile for every US $0.75 (or its equivalent in other currencies) for Infinite cards, 1 mile for every US $0.90 (or its equivalent in other currencies) for Signature cards, 1 mile for every US $1 (or its equivalent in other currencies) for Platinum cards, 1 mile for every US $1.25 (or its equivalent in other currencies) for Gold cards and 1 mile for every US $1.5 (or its equivalent in other currencies) for Classic cards spent in Net Purchases on the Card;
“MedMiles Redeemed airline ticket” means the MedMiles reward ticket i.e. the ticket issued by redeeming miles in the MedMiles Rewards Program;
“MedMiles Classic”, “MedMiles Gold”, “MedMiles Platinum”, "MedMiles Signature" and “MedMiles Infinite” are terms used to differentiate miles accumulation ceiling per year and are managed under MedMiles Rewards Program. These terms may appear on the Statement of Card Activity for differentiation purpose only;
"Net Purchase" means the dollar value of goods and services purchased with a Card, less any credits, returns or other adjustments reflected on the Card billing statement;
"MedMiles Program" means the MedMiles Rewards Program;
"Supplementary Cardholder" means a Cardholder who holds a Card that is issued by us as a Supplementary Card associated with a Main Cardholder's Card account;
"Terms and Conditions" refers to the terms and conditions of the MedMiles Program, as amended or supplemented from time to time by us; References to "miles" means miles issued in accordance with the MedMiles Program unless otherwise provided.
MAIN & SUPPLEMENTARY CARDS
Main and Supplementary Cards are automatically enrolled in the MedMiles Program; however, the MedMiles Program and miles are for the sole benefit and use of Main Cardholders.
Presently the Main and Supplementary Cards are automatically enrolled in the MedMiles Program, free of charge. We may introduce fees or change the fees that we charge for participation in the MedMiles Program.
MILES CALCULATION AND ACCUMULATION
Each purchase is divided separately by the applicable Earn Rate i.e. one 1 mile for every US$0.75 in Net Purchases charged to your Infinite Card accounts, one mile for every US$0.90 in Net Purchases charged to your Signature Card accounts, one 1 mile for every US$1 in Net Purchases charged to your Platinum Card accounts, one 1 mile for every US$1.25 in Net Purchases charged to your Gold Card accounts and one 1 mile for every US$1.5 in Net Purchases charged to your Classic Card accounts to determine the number of miles. However, only full miles will be earned. A fraction of one mile is rounded down. Therefore, No fractions of miles are computed or accumulated. Here is an example:
For a purchase of US$6.49, total miles earned will be as follows:
For Infinite: 6.49/0.75=8.65 rounded down to 8 miles
For Signature: 6.49/0.90=7.21 rounded down to 7 miles
For Platinum: 6.49/1=6.49 rounded down to 6 miles
For Gold: 6.49/1.25=5.19 rounded down to 5 miles
For Classic: 6.49/1.5=4.33 rounded down to 4 miles
MILES REDEMPTION, MEDMILES REWARD TICKETS & E-VOUCHER
The terms and conditions of the Service Provider(s) apply. In case of any violation to the Service Provider(s) terms and conditions, this may deprive the Cardholder from receiving the benefit/service granted by Bankmed through the service provider(s) for MedMiles Cardholders. This does not entail any liability on Bankmed in any aspect.
When the taxes related to the ticket are paid with Bankmed MedMiles Classic/Gold/Platinum credit card, the Ticketholder while traveling abroad (i.e: outside his county of residence and outside Lebanon) will be covered with Travel and Inconvenience Insurance, provided that he is the Main Cardholder or a direct family member to the Main Cardholder and traveling with him. Coverage depends on the type of Card as per the Bank’s insurance policy. For Infinite and Signature Cardholders, the insurance coverage will apply when at least 50% of the airline ticket or hotel or travel package is paid with Bankmed MedMiles Visa Infinite or Signature card. Insurance policy terms and conditions apply. The Bank has the right to change the insurance company and the terms of the policy at its sole discretion without prior notice to the Cardholder.
In order to redeem or transfer miles, the Card must be active (meaning not cancelled by you or by us) and all Cards enrolled must be in good standing (meaning no account is cancelled, past due or otherwise in default under the terms governing the use of the Card).
Cardholder has the option to make taxes payment either by charging his MedMiles miles balance (if there is sufficient miles balance) and/or by charging the tax amount to his Bankmed MedMiles card during the redemption process on or before the date specified by Bankmed, flight date, or booking/reservation date – whichever is earlier.
The number of MedMiles required to redeem a MedMiles reward ticket or trip may change depending on market fluctuation so long as ticket taxes have not been paid yet. The Cardholder has the right to accept or decline the incremental change in the number of required miles. If accepted, the change in the number of required miles will be on the Cardholder’s charges and charged to the Cardholder account or to his MedMiles miles balance.
An infant’s age must be within the infant age bracket defined by MEA and/or the participating airlines for the entire trip i.e. on the date of his/ last destination or on the date of the return flight to the city of original departure in case of round trips. If the infant exceeds the defined infant age bracket whilst in trip, the ticket must initially be redeemed as child ticket.
Once the MedMiles reward ticket has been issued, certain modifications are authorized if it concerns a flight on MEA (code MEA) and within the validity of the ticket; first date reservation modification is allowed and is free of charge. Successive modification(s) are subject to charges. However, once the MedMiles reward ticket has been issued, in no case will the change of the beneficiary and/or destination / booking class be authorized. For any cancelled flight, a new reservation must be made.
Redeemed MedMiles are not refundable, exchangeable, replaceable, redeemable, or transferable for cash, credit other rewards, or miles under any circumstances, unless specifically permitted by these Terms and Conditions.
Required miles will change during blackout dates from December 20 through January 5, and June 28 through September 5. During said period, the number of miles required for redemption requests will be provided based on seat class availability.
MEDMILES REWARD TRAVELS
Local airport fees, surcharges, taxes, and optional merchant services such as refueling, upgrades to higher car, hotel or air ticket classes, extra-day and drop charges, additional driver fee, Collision Damage Waiver, and optional insurance such as theft protection are not covered and are the responsibility of the Cardholder and at his own expenses.
Cardholders/Ticketholders - whether infant, child or adult - are subject to and must comply with the terms and conditions related to airline tickets issued. For details of terms and conditions and/or restrictions, please contact directly MEA or other participating airlines – when applicable.
SPECIAL OFFERS ADDITIONAL TERMS:
- Special Offers are subject to seats availability (seats being limited) in addition to specific conditions for each special offer.
- Special Offers may be changed or revoked at any time at the sole discretion of Bankmed, MEA and/or Participating Airlines.
- Special offers are subject to taxes and surcharges.
EXPIRY / CANCELLATION / TERMINATION / TRANSFER / AMENDMENT
We may cancel or reverse any miles not properly issued. We may refuse to issue miles or redeem MedMiles reward tickets or we may cancel miles already issued to you if we consider you to be in default under the terms governing the Card, if we have reason to believe that you caused or allowed a breach of the conditions of use of a Card or a breach of these Terms and Conditions, or for any other reason.
The Bank reserves the right to disqualify anyone from participating in the MedMiles Program, refuse to award or redeem miles, and cancel the Card of any person(s) that has(have) violated or now is(are) in violation of any of the MedMiles Program rules, including but not limited to acts of fraud or other abuse.
LIMITATION OF LIABILITY AND ADDITIONAL TERMS
In case of arrangements made directly or indirectly between the Cardholder and MEA or other participating airlines resulting in changes to redemption request details or in financial obligations, Bankmed will not honor such changes and any financial or non-financial obligations resulting from such arrangements.
The Cardholder releases us from any and all liability to Cardholders, or any other person regarding the redemption of miles, the receipt or use of any MedMiles reward tickets or other participation in the MedMiles Program.
The Bank, MEA and the participating airlines are not responsible for replacing lost, stolen, or mutilated MedMiles rewards tickets. However, at the discretion of the airline and subject to applicable fees and each airline’s regulations, lost, stolen or expired tickets may be replaced.
To the extent permitted by applicable law and subject to any provisions in these Terms and Conditions which limit our liability, we will not be liable to you or any third party for any incidental, indirect, consequential, special, punitive or exemplary damages of any kind whatsoever arising from or in connection with the MedMiles Program, miles, MedMiles reward tickets, including, without limitation, lost revenues, loss of profits or loss or interruption of business. In no event shall we be liable to you for any delay in or failure to perform due to causes beyond our control, including, without limitation, any act of God or any act or omission of a third party.
USE OF INFORMATION
The Bank may, at any time, disclose information about a Cardholder's account to third parties in order to administer and service your MedMiles Program account and manage any benefits in which you are enrolled.
The Cardholder irrevocably relieves the Bank from the Banking Secrecy responsibility regarding the sharing of his personal information with Middle East Airlines or any Service Provider or any third party, and this is for the purpose of creating a Cedar Miles account in his name, or for any other purpose in relation to the Card or the MedMiles program.
In case redeemed reward tickets were unused, expired, or lost, redeemed MedMiles cannot be reclaimed.
For additional information, the number of miles required for each destination, please visit our MedMiles Rewards Program website or contact Bankmed 24/7 Call Center on 01 - 70 80 90