Card The Love - Tc & Cs

January 25, 2022


The main objective of the campaign is to reward usage of the various PBL debit and prepaid cards.

This promo will run from 26th January to 14th February 2022. The eventual winners of the prizes will be announced by close of business of 15th February and arrangement would be made for winners to redeem their prizes within the month of February. During the promo period, cardholders with a minimum of 5 transactions will qualify for the top 10 prizes.



  1. To qualify for entry, a cardholder must perform a minimum of 5 transactions on a card. All cards with five or more transactions will be flagged and logged for the second stage of the promotion.
  2. The transaction values over the period will be summed up and the 10 highest grossing cardholders will win the top ten prizes.
  3. Cardholders will be notified of their prizes and arrangements made for them to redeem.



  1. Grand Prize – Weekend stay at the African Regent Hotel, Accra
  2. 2nd Prize – A night stay and dinner for two at Villandro Residence, Accra
  3. 3rd Prize – Lunch for 2 at Capitol Cafe & Restaurant, Accra
  4. 4th to 10th Consolation prizes – Cosy couple Hamper


Kindly note the terms and conditions here:




  1. Eligibility: By entering the CARD THE LOVE PROMOTION (The Promotion), you agree to these terms and conditions and hereby submit that you are 18 years old as of the date of entry. The promotion is only open to legal residents of Ghana and is void where prohibited by law. Employees of Prudential Bank Ghana their respective affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the promotion. The promotion is subject to all applicable national and local laws and regulations. Void where prohibited.

    2. Agreement to Rules: By participating, you agree to be fully unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of Prudential Bank Ghana, as final and binding as it relates to the content. The promotion is subject to all applicable national and local laws. You also agree to, upon request, take photos of any prizes you win from this promotion to post on social media platforms as required.

    3. Promotion Period: Entries will be accepted online starting on or about 26th January, 2022 and ending 14th February, 2022. All online entries must be received by 14th February, 2022 5:00PM GMT.

    4. How to Enter: The promotion must be entered by submitting an entry on social media platforms (Facebook, Instagram and/or Twitter) using the specified hashtags. The entry must fulfill all promotion requirements, as specified, to be eligible to win a prize. Entries that are not complete or do not adhere to the rules or specifications may be disqualified at the sole discretion of Prudential Bank Ghana. You may enter only once and you must provide the information requested. You may not enter more times than indicated by using multiple profiles, identities or devices in an attempt to circumvent the rules. If you use fraudulent methods or otherwise attempt to circumvent the rules your submission may be removed from eligibility at the sole discretion of Prudential Bank Ghana.

    5. Prizes:
  1. Grand Prize – Weekend stay at the African Regent Hotel, Accra
  2. 2nd Prize – A night stay and dinner for two at Villandro Residence, Accra
  3. 3rd Prize – Lunch for 2 at Capitol Cafe & Restaurant, Accra
  4. 4th to 10th Consolation prizes – Couple’s Hamper containing wines (1 alcoholic, 1 non-alcoholic; 2 branded wine tumblers, a pack of 6 branded chocolate bars)
  5. Instant gifts for new card subscriptions – Pens and branded mugs for new card applications during the promo period (while stocks last)

The specifics of the prize shall be solely determined by the Sponsor. No cash or other prize substitution permitted except at Sponsor's discretion. The prize is non-transferable. Any and all prize related expenses, including without limitation any and all national, and/or local taxes shall be the sole responsibility of the winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by winners is permitted. Acceptance of prize constitutes permission for Prudential Bank Ghana to use winner's name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

6. Odds: All card holders must make a minimum of 5 purchases with their PBL Debit or Prepaid card. Chances increase the more payments are made with the card.

7. Winner selection and notification: Winners of the promotion will be selected after careful reviews of all entries and under the supervision of the Sponsor. Winners will be notified via direct messaging within five (5) working days following the winner selection. Prudential Bank Ghana shall have no liability for a winner's failure to receive notices due to winners' spam, junk or other security settings or for winners' provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 15 days from the time award notification was sent, or fails to timely return a completed and executed declaration and releases as required, prize may be forfeited and an alternate winner selected.

The receipt by winner of the prize offered in this promotion is conditioned upon compliance with any and all national laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT COMPANY'S SOLE DISCRETION) WILL RESULT IN SUCH WINNER'S DISQUALIFICATION AS WINNER, AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

8. Rights Granted by you: By entering this content you understand that Prudential Bank Ghana, anyone acting on behalf of Prudential Bank Ghana, or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the World, your entry, including, without limitation, the entry and winner's name, portrait, picture, voice, likeness, image or statements about the promotion, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation.

9. Terms: Prudential Bank Ghana reserves the right, in its sole discretion to cancel, terminate, modify or suspend the promotion should (in its sole discretion) a virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the promotion. In such case, Prudential Bank Ghana may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by Prudential Bank Ghana. Prudential Bank Ghana reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the promotion or website or violates these Terms & Conditions.

Prudential Bank Ghana has the right, in its sole discretion, to maintain the integrity of the promotion, to void votes for any reason, including, but not limited to; multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by promotion rules; or the use of bots, macros or scripts or other technical means for entering.
Any attempt by an entrant to deliberately damage any web site or undermine the legitimate operation of the promotion may be a violation of criminal and civil laws and should such an attempt be made, Prudential Bank Ghana reserves the right to seek damages from any such person to the fullest extent permitted by law.

By entering the promotion you agree to receive email newsletters periodically from Prudential Bank Ghana. You can opt-out of receiving this communication at any time by clicking the unsubscribe link in the newsletter.
10. Limitation of Liability: By entering you agree to release and hold harmless Prudential Bank Ghana and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant's participation in the promotion and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error which may occur in the administration of the Promotion or the processing of entries.

11. Disputes: THIS PROMOTION IS GOVERNED BY THE LAWS OF GHANA, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this promotion, participant agrees that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or connected with this promotion, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Accra having jurisdiction. Further, in any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorneys' fees, other than participant's actual out-of-pocket expenses (i.e. costs associated with entering this promotion), and participant further waives all rights to have damages multiplied or increased.

12. Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the Prudential Bank Ghana Web Site. To read the Privacy Policy, click here.

13. Winners List: To obtain a copy of the winner's name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: Prudential Bank Ghana, Private Mail Bag, General Post Office, Accra. Requests must be received no later than 20th February, 2022.