1. Cardholders can use their lounge visit entitlement to access the PGA MSP Lounge. Each visit represents a single lounge visit within the Cardholder’s existing lounge visit allocation for which the Cardholder will, where applicable, be charged. In addition, Cardholders and any registered guests will receive US$15 per person off their food OR golf experience bill, which cannot be combined across both. 2. US$15 is valid for the purchase of any meal and/or drinks or a golf experience. To be eligible, Cardholders must present a valid card before placing an order or selecting their golf experience. 3. US$15 is non-transferable and cannot be exchanged for a cash substitute or refund if the final bill is lower than US$15 per person.4. The Cardholder is responsible for the remaining balance if total bill exceeds US$15 per registered person. Any remaining balance cannot be used towards gratuity.