40. CashBack is earned in accordance with the relevant terms and conditions under the CashBack Programme for each Qualified CashBack Card. Notwithstanding any such terms and conditions or other relevant documents, any CashBack earned under a Qualified CashBack Card account would not be automatically credited to the relevant account. Cardholder has to access the online redemption platform for CashBack redemption and usage. At the option of the cardholder designating a selected amount subject to clause 42, CashBack may be redeemed as cash and credited to the cardholder’s relevant Qualified CashBack Card account, or alternatively and if made available by the Bank, cardholder may redeem CashBack by choosing among the Products or offers under the CashBack catalogue on the online redemption platform. 42. Unless otherwise indicated, Get Cash redemption must be made in multiples of HKD50 or any other multiplier as decided by the Bank from time to time. The Bank reserves the right to determine and adjust the multiplier at any time without prior notice. 43. Cardholder can combine CashBack earned by the Cardholder under his/her Qualified CashBack Cards (including principal and supplementary card) for Redemption, if the Bank allows. 44. No expiry period for accumulation of CashBack unless otherwise specified in relevant promotion terms and conditions and the expiry date will be shown in the statement. Any changes to the accumulation period will be announced by the Bank from time to time and the same will be final.