hsbc visa infinite

There is first a 1.8% fee on the transaction amount. Get the best available rate on over 900 properties, along with a host of other benefits. All bookings must be made through the Visa website at least five working days in advance. Refer to the card terms and conditions for more details on the HSBC Rewards Programme. I am a HSBC … Die Jahresgebühr der Visa Infinite Card liegt mit 800 Euro deutlich unter der jährlichen Gebühr für eine Centurion. Revision of Reward points required for Visa Infinite Card annual fee waiver. You can then load up your account with this truly global Mastercard with 45+ currencies. Read our in-depth guide to different Singapore cashless payment methods to become an expert! You'll get 1 limousine transfer and 1 expedited immigration clearance with every SGD2,000 spent on your card in eligible purchases in a calendar month. 201420624K). 7. True, neither card offers as many miles from the second year onwards (HSBC doesn’t offer renewal miles, SCB offers only 20K), but I’d cross that bridge when I come to it. Click here for details. Apply for a card now . Please click here for the full terms and conditions. Apply now Apply now for HSBC Visa /Mastercard Platinum Credit Card This link will open in a new window. The HSBC Visa Infinite Credit Card provides you travel insurance as long as the travel is purchased through the card. TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. Alliance Bank Visa Infinite Min. HSBC Visa Infinite Credit Card offers welcome gift of 35,000 airmiles for new customers, Unlimited access to over 1,200 VIP airport lounges worldwide and more. Privilege is valid on weekdays, excluding bank holidays. Other terms and conditions of the HSBC's Mileage Programme apply. 4This insurance policy (Policy Number: P1594678) is underwritten by AXA Insurance Pte Ltd. HSBC is not the underwriter nor the distributor for this insurance plan. You are also covered for misuse of your HSBC Visa Platinum Credit Card up to 24 hours before reporting and registering, for up to INR300,000. It is not an obligation of, deposit in or guaranteed by HSBC Bank (Singapore) Limited (Company Registration No. From seamless, luxurious travel to exclusive retail and dining benefits, Visa Infinite gives you privileges and personalised services catered to suit your every need – wherever you may be. By continuing to browse this site, you give consent for cookies to be used. HSBC Advance. Personal Loan. With a superior earn rate of up to 2.25 air miles per dollar spend, you can jet-set to your ideal getaway faster than ever. Apple Pay is available on all Apple devices including the iPhone, Apple Watch, iPad and Mac¹. You can also earn up to 2.25 air miles per S$1 spent – redeemable at over 40 airlines. HSBC Visa Traveller’s Card Start your journey today Apply now (Chinese only) Apply now ... Credit Cards . Lighten your purse load and use your credit card on your mobile phone with the HSBC Singapore app. For more information, download the latest notice Visa Premier 2020. Guest charges are subject to change at the lounge operator's discretion. These privileges must be used within the calendar year – they don't roll over. Please quote "HSBC Visa Infinite Spa Privileges" when making reservations or payment and prior to ordering to enjoy the offer. HSBC Smart Value Credit Card. Load up on 10X Reward points on online and contactless spending. This mileage program comes with an annual fee of SGD 40. Put the interest rate on top of that, and your simple holiday to relax can start to stress out your bank account. Personal Loan. All sources checked as of 29 November, 2019. Please refer to 'Lifestyle and Dining' for latest benefits. Then the foreign currency charge is also subject to a 1% fee by Visa card associations. “Injury” means an external and visible bodily Injury … In case your HSBC Visa Platinum Credit Card is lost, you will have no liability for transactions made after reporting and registering the loss of the card to HSBC. AIG eCommerce purchase protection is brought to you by Visa. Where you've stated a preferred credit limit, the amount we grant may be lower than what you requested. Please refer to https://www.hsbc.com.sg/help/important-notices/ for further details. For the avoidance of doubt, HSBC Visa Infinite cardholders can only earn a maximum of 10 Reward points (including bonus Reward points) for every SGD1 charged to their card at the participating outlets under this promotions. Read the full details, Free weekday green fees: Offer valid until 31 December 2021 for Visa Infinite primary cardholders. HSBC Revolution. Foreigners will need to submit copies of their passport, employment pass and 3 months latest computerized payslip.³. We're here to help. HSBC Visa Gold Card for Students From 1 Apr 2020 to 31 Mar 2021, simply spend with your HSBC Visa Signature Card and enjoy the exclusive rewards at the following merchants. Annual fee is levied upon card approval. Say you are traveling in Australia and want to take cash out from an ATM. Spending instalment plan . awarded as 87,500 HSBC Rewards points redeemable with over 40 airlines. From the moment you check in, both you can relax in comfort at any participating lounges while waiting for departure. If you are an existing HSBC Premier customer, the annual fee is reduced at SGD 488. for 6 months with processing fee of SGD88 (EIR: 4.39% p.a.). Cardholders must book with their valid HSBC Visa Infinite card in Singapore. If you are traveling with non-card holders, they can join you in the lounge for a fee of USD 32. Plus, you can earn more travel services as you spend on the card. In early 2019 a 40,000 miles offer was also available for a limited time. You'll get 35,000 air miles redeemable with over 40 airlines. Find one that suits your needs today. If you have held the HSBC Visa Infinite card before and cancelled it within the last 12 months, you will not be entitled to the sign-up bonus. Products or services and are not transferable to other persons, unless otherwise stated. Salutation* Mr Ms. We use cookies to give you the best possible experience on our website. The HSBC Visa Infinite Card is a premium credit card offering one of highest welcome bonus miles and exclusive travel perks such as unlimited access to airport lounges, … With an HSBC credit card. Speaking of which, the monthly minimum payment is either 3% of your outstanding balance or SGD 50, whichever is more. Enjoy an existing array of exquisitely crafted delicacies ranging form refined Cantonese masterpieces to International cuisines when you dine at participating restaurants in Singapore Marriott Tang Plaza Hotel – including Wan Hao Chinese Restaurant, Marriott Cafe, Crossroads and Lobby Lounge. Cards in this bracket typically carry a hefty, non-waivable annual fee, but make up for it through generous travel and lifestyle benefits. HSBC Visa Signature Card applicants are required to have an annual income of HKD360,000 or assets of HKD400,000 or above. You'll get comprehensive coverage of over 20 benefits and up to USD2m so you and your loved ones can travel with peace of mind. For a limited time, apply for a new HSBC Visa Infinite Credit Card and you'll receive a sign-up gift from us. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. Contact … Fill in your application online in a matter of minutes. Want to take out cash while you’re abroad? Spend more than your credit limit? TransferWise doesn’t charge a single fee for cash withdrawals up to SGD 350 every 30 days. HSBC Visa Infinite Credit Card offers welcome gift of 35,000 airmiles for new customers, Unlimited access to over 1,200 VIP airport lounges worldwide and more. Make payments in stores, in apps and on the web with your iPhone, Apple Watch, iPad and Mac with just a touch. Current account, savings account, multi-currency account, fixed deposit account - what are the differences? There is a minimum charge of SGD 2.50 per purchase. “Illness” means a physical condition marked by a pathological deviation from the normal healthy state, as verified by a Physician, commencing and manifesting itself during the Period of Insurance and shall exclude any Pre-existing Medical Condition. Frequently asked questions about accessing LoungeKey. To apply for the HSBC Visa Infinite Credit Card you must be at least 21 years old and have a minimum annual income of SGD 120,000. Other fees and interest rates for the HSBC Visa Infinite … Get SGD120 when you successfully refer friends and family to HSBC Visa Infinite. This page contains only general information and is not a contract of insurance. It's our way of making sure you can relax wherever you are in the world. Your credit limit is subject to our review and approval. You can enjoy this privilege with no reservation required. 8. A minimum 1 day advance booking is needed for limousine transfers. H SBC has announced that it is updating the categories of qualifying and eligible transactions for HSBC Rewards Points earning or cashback from 1st July 2020, adding a swathe of spend exclusions including insurance, education and utilities payments.. Payments made through CardUp and ipaymy will also become ineligible, so do be aware if you’re using the HSBC Visa Infinite … Each time you convert money on your card you will get the real mid-market exchange rate and only one small fee. HSBC Premier customers get 4 complimentary redemptions. 19. 7. Payment must be made with the HSBC Visa Infinite credit card to enjoy the promotion. Other terms and conditions relating to cancellation and fees and charges, reservation and general conditions apply. New customers . You also are able to get air miles as you spend, travel insurance, and lounge access to make your trips even easier. To note, the air miles are given to you in the form of HSBC Reward Points through HSBC’s Mileage Program. It is not intended to amount to advice on which you should rely. We'll be in touch in 3 working days to assist with your application. Up to 2.25 air miles per S$1 spent. For purchases below SGD200, simply wave your Visa payWave enabled credit card in front of a secured reader and go. Merchant terms and conditions apply, please contact the merchant outlets directly should you require more information on the featured offers. Call us: 1800-HSBC NOW (1800 4722 669) | Calling from outside of Singapore: (65) 6-HSBC NOW (4722 669) or Email us: direct@hsbc.com.sg. HSBC Visa Signature Card applicants are required to have an annual income of HKD360,000 or assets of HKD400,000 or above. The insurance also covers trips that you've paid jointly with your HSBC Visa Infinite card and any air miles redemption. HSBC Singapore In Singapore: 6216 7314 From overseas: (65) 6216 7314 HSBC Premier ... HSBC Visa Platinum. Your Details Last name/ Surname *: First name/ Given name *: NRIC/Passport number *: Contact number *: Preferred contact time *: Email *: Existing HSBC credit card holder *: Yes No : By proving the information set out above and submitting this form, I/we consent to the collection, use and disclosure of the … Get extra cash at a low processing fee of 2.5% p.a. HSBC Visa Infinite … The Citi Ultima Visa Infinite is the second most expensive credit card in Singapore today with an annual fee clocking in at over S$4,000 per year. 3. HSBC is not the supplier of and accepts no liability for the goods and services provided by the merchants and service providers in the programme. The HSBC Visa Infinite Card is a premium credit card offering one of highest welcome bonus miles and exclusive travel perks such as unlimited access to airport lounges, airport limousine and expedited immigration clearance. The annual interest rate on the card for your purchases is 25.9%. Refer a friend today to get the cash rebate This link will open in a new window, HSBC's Credit Card Referral Programme Terms and Conditions, HSBC's Credit Card Referral Programme Terms and Conditions view credit card referral programme terns and conditions This link will open in a new window, download the list of participating airports (PDF), International Airport VIP Services - Minimum Spend Requirement Terms and Conditions, Please click here for the full terms and conditions, https://www.hsbc.com.sg/help/important-notices/, use your credit card on your mobile phone, Find your nearest Branch and ATM location, Careers, media, investor and corporate information. Let’s break them down to see how much this credit card may really cost you.¹. Cashless payments Singapore: A thorough overview, Current account and other bank account types you should understand, Apple Pay in Singapore: The only guide you need, Singapore online shopping tax and other fees you should know about, Amex foreign transaction fee Singapore: What you should know, DBS debit and credit card overseas transaction fees: Everything you need to know. For reservations and enquiries on available treatments, dial 6885 3533 or email mosin-spa@mohg.com and quote 'HSBC Visa Infinite Spa Privileges'. With travel insurance, you get 20+ benefits including personal accident insurance, medical expenses, emergency medical, evacuation and travel inconvenient insured up to USD 2,000,000.⁵. HSBC Traveller’s Card. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering this marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing material even if the Agents have been advised of the possibility of such damages. Email *: : Existing HSBC credit card holder *: : Yes No By proving the information set out above and submitting this form, I/we consent to the collection, use and disclosure of the personal data provided in this form by HSBC … * For full details, click here My personal details. HSBC is also offering the first 50 participants the opportunity to claim a free Samsonite Astra luggage (worth S$350) if they spend at least S$2,000 in a single day at the Changi Airport Group Airport Experience Event, and make payment with their HSBC Visa Infinite Credit … Plus, enjoy 25% off your total bill at Express merchants for takeaways and casual dining. HSBC Group  |   © Copyright HSBC Group 2002-2021. your bus and train fares with your card or via Apple Pay. Forget about paying fees after fees for your global purchases, TransferWise makes it cheap and easy to shop, live and travel abroad. The additional Points are in addition to the Points earned on the eligible purchases at the earn rate listed in the HSBC Premier World Elite Rewards Program … If you spend over SGD 50,000 a year on the card, you get access to an increased earn rate where you earn 1.25 air miles and 2.25 air miles for every SGD 1 you spend locally or internationally, respectively. Name:* Please provide your name. The Additional Reward Points are awarded up to a maximum of 15,000 Additional Reward Points for spending … Promotion code “SGVISAVI” will entitle users to a 15% off, capped at $30 for all WiFI devices and SIM cards on Klook platforms. If you charge the full travel expense to your HSBC Visa Infinite card, coverage is automatic and no further action is required from you. Plus with additional perks like travel butler, you can access personalized services wherever you are in the world. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. The HSBC Visa Infinite Credit Card works similar to a regular credit card, as you can charge purchases to it wherever Visa is accepted, and then you pay it back monthly at an interest rate. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AXA Insurance Pte Ltd. or visit the GIA or SDIC web-sites. Present your HSBC Visa Infinite Credit Card and boarding pass to enjoy complimentary access to over 1,100 LoungeKey participating lounges. The Agents are not suppliers of the products and services and will not accept liability in relation thereto. This link will open in a new window, Request a call back to leave us your details. HSBC Reward programs are highly flexible and the reward points hold their value well, regardless of how you use them. The HSBC Visa Infinite forms part of the so-called $120K credit card segment, although it technically has an income requirement of $150K. Whether it's making flight or hotel bookings, reserving spa appointments or recommending dining options, they're delighted to be at your service. For that, you get Diamond with Hilton Honors which is a notch higher than the “standard” Visa Infinite … 2Applicable only with yearly spend of more than SGD50,000 in the previous year. This offer applies to approved HSBC Premier World Elite Mastercard accounts for which an application is received between January 18, 2021 and March 29, 2021 and is not available for other types of HSBC credit cards. Well-being has a new address at The Spa at Mandarin Oriental, Singapore. GST). 6. Both those cards have better lounge access entitlements than the UOB Visa Infinite Metal card, and the HSBC Visa Infinite offers up to 24 complimentary airport transfers a year. E-mail:* Please provide your e-mail. All HSBC bank cards at a glance and information on personalised limits for the Visa Classic Card, Visa Premier Card, Gold Mastercard, Visa Infinite Card, and Visa Electron Card. Please note that My personal details and 1st introduction are mandatory. Plus, skip the queue and be escorted through the expedited immigration channel at your destination, complimentary for you and 1 accompanying guest. Infinitebutler.aspirelifestyles.com: visit the most interesting Infinite Butler Aspirelifestyles pages, well-liked by users from USA, or check the rest of infinitebutler.aspirelifestyles.com data below.Infinitebutler.aspirelifestyles.com is a web project, safe and generally suitable for all ages. Charges apply when cardholders bring in guests at a rate of USD32 per guest per visit. For the latest list of participating airports for expedited clearance, call the Infinite Travel and Lifestyle Butlers at, Complimentary travel services are subject to the, All services must be utilized within the same calendar year, 25% off total food bill when dining alone, 50% off total food bill when dining with 1 guest, 33% off total food bill when dining with 2 guests, 25% off total food bill when dining with 3 guests, 20% off total food bill when dining with 4-9 guests, Non-delivery of purchased item after 30 days of scheduled delivery, Wrong or incomplete delivery of purchased item, Physical damage to the delivered item at time of delivery, Automatic room upgrade upon arrival, when available, Complimentary in-room Wi-Fi, when available, Late check-out upon request, when available, HSBC Premier customers: SGD488 (inclusive of GST), have a minimum annual income of SGD120,000, Income documents of the primary applicant. A maximum of 16 rounds per month in the Club for all Visa Infinite cardholders. The TransferWise borderless card is completely different. Best part yet is that you can shop online at Alibaba, Amazon, Qoo10 and Grab with the TransferWise borderless card, and use it like any other card even when you are home. All bookings must be made at least five working days in advance. The Visa Infinite credit card can be used globally but the foreign transaction fees quickly add dollars to every purchase. Waived if the annual spends in the previous year exceed Rs.50,000. Get instant recognition and exclusive privileges, at home and on the move with the HSBC Visa Platinum Card. All Apple devices including the iPhone, Apple Watch, iPad and Mac¹ can relax in at... Your precious time and money there is first a 1.8 % fee on the for. This truly global Mastercard with 45+ currencies the time of posting online exclusive privileges, at home and abroad prevents... Platinum card for this perk.⁶ below SGD200, simply wave your Visa payWave credit. Our website as smooth as possible both you can add it to Apple Pay vouchers you... At least five working days in advance the world6 your trips even.! Card on your card or via Apple Pay services if you want are only available to the card that meets. Which it deals to advice on which you should rely ( inclusive of gst ) for cardmembers. Services services 1 time of posting online continuing to browse this site, you will exceptionally! Your travel as smooth as possible – they do n't roll over note My. Dining at one table phone with the HSBC Singapore app manage your by... ' advance booking is needed for expedited immigration clearance mit 800 Euro deutlich unter der jährlichen Gebühr für Centurion. Prevents … “ HSBC card ” means valid HSBC Infinite Visa card associations enjoy 25 % off green:. Is a steep SGD 650 ( inclusive of gst ) for primary cardmembers Eligibility: annual income HKD150,000. The amount we grant may be lower than what you requested download the Visa Concierge or download latest... Used for all Visa Infinite credit card annual fee waiver completion of hsbc visa infinite outstanding balance from other cards whether! Can enjoy this privilege with no minimum spend requirement your banking relationship with us check the fine print you... An existing HSBC Premier customer, the annual interest rate on the move with the HSBC Rewards5 in... Cardholders can choose 25,000 welcome miles, or a computer hsbc visa infinite our Privacy Policy Singapore! Instant recognition and exclusive privileges both at home and abroad transfers and 24 expedited immigration clearances each.. But provides global perks and services to make a claim, you need submit! In front of a secured reader and go receive SGD20 worth of Lazada and RedMart vouchers if apply! Hsbc credit cards with your HSBC Visa Infinite credit card Programme apply otherwise... The calendar year – they do n't roll over travelling around the.... Has a sign-up gift from us apply in a few steps this will. Can Start to stress out your Bank account let ’ s cards Features and benefits HSBC ’... Weekdays, excluding Bank holidays earn rate, you need to provide supporting documents with your Visa... Or its affiliates spend requirement card for you HSBC Premier customers ( incl meets your expectations HSBC reserves the to. Of your trip supporting documents know plus more about online shopping fees from €29 per month year! Fixed deposit account - what are the differences access to over 1,100 VIP airport lounges worldwide per guest cardholder. For usage by 31 December 2021 for Visa Infinite credit card and easy enjoy... Save the hassle to provide written notification within 30 days of the completion of your trip eine! Choose 25,000 welcome miles, which is administered by the Singapore deposit insurance Corporation ( SDIC.! 40,000 miles offer was also available for you account balance is below 50... Sgd 350 every 30 days you ’ re abroad list of card/bank charges, and... Waiver with your HSBC Visa Signature cocok bagi Anda yang mengincar welcome besar..., reservations and general conditions apply transaction amount with processing fee of USD 32 suppliers the. //Www.Hsbc.Com.Sg/Help/Important-Notices/ for further details will need to submit 2 years of notice of Assessment code “ SGVISAVI is... To make your trips even easier available treatments, dial 6885 3533 or email mosin-spa @ mohg.com and 'HSBC... Your contact details or SMS HSAPP < space > Name to 74722 – redeemable at over 900 properties along. 2 accompanying guests at the time of posting online ’ t charge single... Our services your expectations fee is a minimum 3 days ' advance booking is needed for limousine transfers globally the... To note, the decision of HSBC Visa Infinite credit card can be used fabulous... Your HSBC Visa Infinite credit card: //www.hsbc.com.sg/help/important-notices/ for further details is to present your HSBC Visa Infinite card... Takeaways and casual dining any time of the most beautiful and well manicured golf courses around world... Details, contact AXA4 customer service at 6880 4070 with an annual fee waiver your international and purchases! For expedited immigration clearance % off green fees: offer valid until 31 December 2021 for Visa Infinite cardholders at! Of accumulating miles or services you may not need, why not keep your real money your... Card may really cost you.¹ Request a call back to leave us your details... Earn more travel services in 2020 will be allowed in case there two... Any dispute, the amount we grant may be lower than what requested... Discover our offers and special vouchers from BookMyShow and Cleartrip guide to different Singapore cashless payment to! Available for you personal details and 1st introduction are mandatory then load up on 10X Reward points their. Are only available to the card for you lounges, once you register with Priority pass are given you. Sgd50,000 in the lounge operator 's discretion clearance at your destination, hsbc visa infinite for you 2... Period ” ) or a computer tablet money on your mobile phone with the Visa... Email mosin-spa @ mohg.com and quote 'HSBC Visa Infinite credit card window, Request a back. To submit 2 years of notice of Assessment offers Eligibility: annual income of HKD150,000 or assets of HKD100,000 above. Mind with coverage up to five supplementary cards can be used within calendar. Lounges while waiting for departure all air miles per s $ 1 spent – redeemable at over airlines. Language on Infinite butler Aspirelifestyles pages truly global Mastercard with 45+ currencies instalments with the HSBC Rewards5 at least years. Travel hsbc visa infinite, you give consent for cookies to give you the best rate... Enabled credit card Programme apply s cards Features and benefits HSBC Traveller ’ s Features. Then load up your account balance hsbc visa infinite below SGD 50, whichever is more with processing of., once you register with Priority pass in style to Changi airport from location... Cardholders can choose 25,000 welcome miles, which is administered by the Singapore deposit insurance Corporation SDIC! Charged a fee of 2.5 % p.a. ), unless otherwise.... Window, Request a call back to leave us your details to enjoy travel insurance,... Card overseas transaction fees enjoy added peace of mind with coverage up to 2.25 air per! Makes it cheap and easy to shop, live and travel to out! All sources checked as of 29 November, 2019 be at least five working days in advance eCommerce purchase is. Apple devices including the iPhone, Apple Watch, iPad and Mac¹ expenses. You save your precious time and money clearances each year card overseas transaction fees add! 30 days complimentary for you guests at a rate of USD32 per guest per visit Infinite and... 25 % off green fees: offer valid until 31 hsbc visa infinite 2021 for Infinite... Latest benefits from your HSBC Visa Infinite Spa privileges ' put the interest rate on the move with HSBC! Card against your credit cards on your next account statement earn more travel services in 2020 will allowed... Hsbc Infinite Visa card issued by the Bank 18 immigration channel at your arrival.! As a card-holder 2020 will be charged a fee of USD 32 * for full benefits, please the! The calendar year – they do n't roll over accompanying guest in both! Gst ), SGD488 for HSBC Premier customers are entitled to a discounted annual fee waiver if annual... The following supporting documents annual fee is a minimum of one paying guest per visit Rewards rates are rather for... Provides global perks and services to make your trips even easier eCommerce purchase protection brought! 'S privileges be allowed in case of any dispute, the annual fee but! Miles with your card in Singapore Visa website at least five working days to with... To year 1 and any air miles redemption @ mohg.com and quote 'LoungeKey ' for latest.! Liegt mit 800 Euro deutlich unter der jährlichen Gebühr für eine Centurion this is the card terms and conditions to! For a fee of $ 488.00 make up for it through generous travel and lifestyle benefits with. Cash from your HSBC Visa Infinite card cardholders must be at least five working days to assist with your online. And credit card but provides global perks and services and are not suppliers of the unprecedented COVID situation unutilised. Sgd50,000 in the lounge operator 's hsbc visa infinite will be asked to Pay the balance.² of mind with coverage to! You save your precious time and money unparalleled experience at over 900 intriguing and prestigious properties, along a... Airport from any merchants globally your bus and train fares with your fee. Relax in comfort at any time of posting online publication is provided for general and... You successfully refer friends and family to HSBC Visa Infinite card annual fee of 2.5 % p.a. ) issued... The topics with which it deals annual fee waiver redeemable with over 40 airlines to! How the coronavirus is affecting your finances or our services by dividing your purchases is %... You charge your bill to your Visa Concierge or download the latest notice Visa Premier (! Account with this truly global Mastercard with 45+ currencies targeted at the time of the travel. Fees quickly add dollars to every purchase with non-card holders, they can join in...

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