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It is a credit that will be taken off the final bill. By saying non refundable it just means if you spend nothing and have no bill is will not be refunded. In simple terms the first $100 of the on board account bill is free.

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Also if you cancel the cruise you won't suddenly get a refund for that $100. Basically for me it's my internet or a my coffee for the trip (Please oh please let them have good coffee.... Being a NZer I have high standards for coffee and I think I am going to be disappointed...  ;))

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