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New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • Limit: 1 transactions · Promotion Total • Limit applies to: One welcome reward per cardholder. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Apply for and receive approval for the Student Visa Gold Card during the promotion period. • Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue. • The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant. • Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions. • RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening. • The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 1 · Applies to: One welcome reward per cardholder. · Period: promotion total · Type: limited · Unit: transactions
• Application or registration is required.
• Apply for and receive approval for the Student Visa Gold Card during the promotion period.
• Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue.
• The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant.
• Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions.
• RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening.
• The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.
• Successful Student Visa Gold Card applications during the promotion period.: 2026-04-01 – 2027-02-28

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Audience: Student; Customer: Existing customer • Limit: 1 transactions · Promotion Total • Limit applies to: One welcome reward per cardholder. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Apply for and receive approval for the Student Visa Gold Card during the promotion period. • Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue. • The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant. • Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions. • RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening. • The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.

• Eligibility: Audience: student · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 1 · Applies to: One welcome reward per cardholder. · Period: promotion total · Type: limited · Unit: transactions
• Application or registration is required.
• Apply for and receive approval for the Student Visa Gold Card during the promotion period.
• Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue.
• The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant.
• Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions.
• RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening.
• The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.
• Successful Student Visa Gold Card applications during the promotion period.: 2026-04-01 – 2027-02-28

Open source offer ↗

Category or merchant does not match. • Audience: Student • Limit: 1 transactions · Promotion Total • Limit applies to: One extra rebate per cardholder. • Application, registration or activation required. See conditions. • Eligible categories: 八達通 • Apply for the Student Visa Gold Card by 2026-12-31 and apply for eligible Octopus Auto Add Value of HKD 250 or HKD 500 within the first 60 calendar days after card issue; complete the first auto top-up. • The card account must be valid and in good standing. A primary HSBC personal credit card cancelled in the 12 months before card approval disqualifies the applicant. • The eligible Octopus must not have had an Auto Add Value service successfully set up with any HSBC card on or before 2026-08-30. • HSBC credits the rebate by 2027-08-01. Cancellation or invalidation of the Octopus or Auto Add Value service before credit, or card cancellation within 13 months of account opening, can cause loss or recovery of the rebate. • The rebate cannot be converted to cash or transferred; it applies to future card spending, not outstanding balances. Concurrent HSBC promotions may be limited to one unless stated otherwise.

• Eligibility: Audience: student
• Eligible spending: Applies to: 八達通 · Type: category
• Benefit limit: Amount: 1 · Applies to: One extra rebate per cardholder. · Period: promotion total · Type: limited · Unit: transactions
• Application or registration is required.
• Apply for the Student Visa Gold Card by 2026-12-31 and apply for eligible Octopus Auto Add Value of HKD 250 or HKD 500 within the first 60 calendar days after card issue; complete the first auto top-up.
• The card account must be valid and in good standing. A primary HSBC personal credit card cancelled in the 12 months before card approval disqualifies the applicant.
• The eligible Octopus must not have had an Auto Add Value service successfully set up with any HSBC card on or before 2026-08-30.
• HSBC credits the rebate by 2027-08-01. Cancellation or invalidation of the Octopus or Auto Add Value service before credit, or card cancellation within 13 months of account opening, can cause loss or recovery of the rebate.
• The rebate cannot be converted to cash or transferred; it applies to future card spending, not outstanding balances. Concurrent HSBC promotions may be limited to one unless stated otherwise.
• The Auto Add Value promotion period.: 2026-08-31 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Audience: Student • Limit applies to: HKD 50 basic RewardCash rebate. • Application, registration or activation required. See conditions. • Eligible categories: 八達通 • Register Octopus Auto Add Value through the HSBC Reward+ application. • The product page gives no separate validity period or complete qualification terms. The linked full terms are not part of the retained source set.

• Eligibility: Audience: student
• Eligible spending: Applies to: 八達通 · Type: category
• Benefit limit: Applies to: HKD 50 basic RewardCash rebate. · Period: not stated · Type: not stated
• Application or registration is required.
• Register Octopus Auto Add Value through the HSBC Reward+ application.
• The product page gives no separate validity period or complete qualification terms. The linked full terms are not part of the retained source set.

Open source offer ↗

Category or merchant does not match. • Audience: Student • The page states up to 6x RewardCash and up to 2.4%; it also states HKD 4.17 equals one mile. Detailed program terms are not retained. • Limit applies to: Red Hot Choice RewardCash earning. • Eligible categories: 最紅自主獎賞簽賬類別 • Applies to Red Hot Choice spending categories. The retained page does not list the exact categories, enrollment steps, eligible transactions, or caps.

• Eligibility: Audience: student
• Eligible spending: Applies to: 最紅自主獎賞簽賬類別 · Type: category
• Benefit limit: Applies to: Red Hot Choice RewardCash earning. · Period: not stated · Type: not stated
• Percentage note: The page states up to 6x RewardCash and up to 2.4%; it also states HKD 4.17 equals one mile. Detailed program terms are not retained.
• Applies to Red Hot Choice spending categories. The retained page does not list the exact categories, enrollment steps, eligible transactions, or caps.

Open source offer ↗

Category or merchant does not match. • Threshold-equivalent calculation: HKD 30 / HKD 300 x 100 = 10%; the effective rate decreases above the HKD 300 minimum spend. • Limit: 1 transactions · Per Day • Limit applies to: One Eslite discount per eligible cardholder per day. • Minimum spend: Period: per_transaction; Spend: 300 • Eligibility: One of: Payment Methods: visa-contactless OR Payment Methods: apple-pay OR Payment Methods: google-pay OR Payment Methods: samsung-pay • Merchants: eslite • Eligible merchants: eslite • One transaction must have a final net amount of at least HKD 300 at Hong Kong Eslite Bookstores or Eslite Living Time. Eslite Lifestyle counters and pop-up stores are excluded. • Pay with an eligible HSBC Visa card by Visa contactless or mobile payment using Apple Pay, Google Pay, or Samsung Pay. For mobile payment, show the added eligible card to the cashier; the physical Visa card must support contactless payment. • The card account must remain active and in good standing. Do not combine with another cash discount or offer. Keep the original receipt. Cancelled or refunded transactions require return of the discount.

• Eligibility: Audience: all
• Eligible spending: Applies to: eslite · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$300.00
• Requirements: Pay with: visa contactless or Pay with: apple pay or Pay with: google pay or Pay with: samsung pay
• Benefit limit: Amount: 1 · Applies to: One Eslite discount per eligible cardholder per day. · Period: per day · Type: limited · Unit: transactions
• Percentage note: Threshold equivalent calculation: HKD 30 / HKD 300 x 100 = 10%; the effective rate decreases above the HKD 300 minimum spend.
• One transaction must have a final net amount of at least HKD 300 at Hong Kong Eslite Bookstores or Eslite Living Time. Eslite Lifestyle counters and pop-up stores are excluded.
• Pay with an eligible HSBC Visa card by Visa contactless or mobile payment using Apple Pay, Google Pay, or Samsung Pay. For mobile payment, show the added eligible card to the cashier; the physical Visa card must support contactless payment.
• The card account must remain active and in good standing. Do not combine with another cash discount or offer. Keep the original receipt. Cancelled or refunded transactions require return of the discount.
• Qualifying Eslite purchases.: 2026-01-01 – 2026-12-31

Open source offer ↗

The offer is not available on the snapshot weekday or date. • Source-stated 5% of the final net order amount after discounts, including delivery, platform, and other applicable fees. • Limit: 15 HKD · Per Transaction • Limit applies to: Foodpanda RewardCash balance rebate per qualifying order. • Minimum spend: Period: per_transaction; Spend: 200 • Merchants: foodpanda • Eligible merchants: foodpanda • Place a qualifying food delivery or self-pickup order through the foodpanda website or app. The final net amount must be at least HKD 200. • The cardholder must have active foodpanda pandapro membership. Orders for pandapro subscriptions or vouchers, third-party or e-wallet payments, unposted, cancelled, refunded, fraudulent, or unauthorised transactions do not qualify. • There are 24,900 offers per eligible month, first come, first served. Rebate is deposited to pandapay within 48 hours and must be used within 7 days. foodpanda may recover the rebate for cancellations or refunds.

• Eligibility: Audience: all
• Eligible spending: Applies to: foodpanda · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Amount: 15 · Applies to: Foodpanda RewardCash balance rebate per qualifying order. · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: Source stated 5% of the final net order amount after discounts, including delivery, platform, and other applicable fees.
• Place a qualifying food delivery or self-pickup order through the foodpanda website or app. The final net amount must be at least HKD 200.
• The cardholder must have active foodpanda pandapro membership. Orders for pandapro subscriptions or vouchers, third-party or e-wallet payments, unposted, cancelled, refunded, fraudulent, or unauthorised transactions do not qualify.
• There are 24,900 offers per eligible month, first come, first served. Rebate is deposited to pandapay within 48 hours and must be used within 7 days. foodpanda may recover the rebate for cancellations or refunds.
• Each Wednesday and Saturday during the promotion period.: 2026-01-03 – 2026-12-30

Open source offer ↗

Category or merchant does not match. • Customer: New customer • Limit: 1 transactions · Lifetime • Limit applies to: One KKBOX offer per cardholder. • Merchants: kkbox • Eligible merchants: kkbox • For a new KKBOX customer on the single-user, standard-sound plan. The price is HKD 99 per month for the first three months, then HKD 65 per month. • Each cardholder can enjoy the offer once. The retained source does not state the offer dates.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: kkbox · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One KKBOX offer per cardholder. · Period: lifetime · Type: limited · Unit: transactions
• For a new KKBOX customer on the single-user, standard-sound plan. The price is HKD 99 per month for the first three months, then HKD 65 per month.
• Each cardholder can enjoy the offer once. The retained source does not state the offer dates.

Open source offer ↗

Category or merchant does not match. • Calculated from the source-stated 9折 price: 100% - 90% = 10% discount. • Limit applies to: Full-price CGV Cinemas tickets. • Merchants: cgv-cinemas • Eligible merchants: cgv-cinemas • The product page states the discount applies to full-price cinema tickets. No validity period is stated.

• Eligibility: Audience: all
• Eligible spending: Applies to: cgv cinemas · Type: merchant
• Benefit limit: Applies to: Full price CGV Cinemas tickets. · Period: not stated · Type: not stated
• Percentage note: Calculated from the source stated 9折 price: 100% 90% = 10% discount.
• The product page states the discount applies to full-price cinema tickets. No validity period is stated.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Student • Limit applies to: Primary Visa Gold annual membership fee. • The student-card terms grant a permanent annual fee waiver. The KFS lists a standard HKD 600 annual fee for a primary Visa Gold card.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Primary Visa Gold annual membership fee. · Period: not stated · Type: not stated
• The student-card terms grant a permanent annual fee waiver. The KFS lists a standard HKD 600 annual fee for a primary Visa Gold card.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Limit applies to: Spending instalment plan. • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 1000 • Applies to all eligible spending, subject to the conditions. • A cardholder may apply for the spending instalment plan for a single transaction of HKD 1,000 or more through Reward+ or HSBC HK App. • The retained product page does not state plan charges or full eligibility terms. Do not treat this plan as the separate interest-free merchant instalment plan.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Minimum requirement: Period: per transaction · Spend: HK$1,000.00
• Benefit limit: Applies to: Spending instalment plan. · Period: not stated · Type: not stated
• Application or registration is required.
• A cardholder may apply for the spending instalment plan for a single transaction of HKD 1,000 or more through Reward+ or HSBC HK App.
• The retained product page does not state plan charges or full eligibility terms. Do not treat this plan as the separate interest-free merchant instalment plan.

Open source offer ↗

Alternative offer in the same group; only the best group offer is counted. • Audience: Student • Cash-equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Applies to all eligible spending, subject to the conditions. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • This is the general Cash Rebate Scheme tier for eligible card spending; special double-rebate conditions are stated separately in the same source terms. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• This is the general Cash Rebate Scheme tier for eligible card spending; special double-rebate conditions are stated separately in the same source terms.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Alternative offer in the same group; only the best group offer is counted. • Audience: Student • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Applies to all eligible spending, subject to the conditions. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • Double cash rebate applies to spending made on the Eligible Cardholder's own birthday. Principal and supplementary cardholders can use their own respective birthdays; one cardholder cannot use another cardholder's birthday. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• Double cash rebate applies to spending made on the Eligible Cardholder's own birthday. Principal and supplementary cardholders can use their own respective birthdays; one cardholder cannot use another cardholder's birthday.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

This benefit does not apply to a purchase. • Audience: Student; Customer: New customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2800 • New principal card applicant only: the applicant must not have held any principal or supplementary card of any type issued by Dah Sing Bank in the past 12 months. • The applicant must successfully apply for the Dah Sing Distinction Platinum Card during the 2026 Promotion Period. Each Eligible Cardholder can apply for one Eligible Card and receive this welcome offer once only; if other Dah Sing credit cards are also applied for, the welcome offer is available through the first approved Dah Sing credit card only. • Accumulate Eligible Spending of HKD2,800 or above within the first 2 months from the card issuance date. Eligible Spending includes retail purchases, cash advances, autopay, recurring payments, interest-free monthly installments, gift redemption fees if applicable, and cheque payments if applicable; the source lists the exclusions in the evidence. • The rebate is credited within 8 weeks after the spending requirement is met as credit-card free spending credit. The card account must be valid and in good standing; the credit is not transferable, refundable, or exchangeable for cash. • If the awarded card account is cancelled within 13 months from card issuance, the Bank may debit a HKD300 handling fee. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: not applicable
• Requirements: Period spend ≥: HK$2,800.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New principal card applicant only: the applicant must not have held any principal or supplementary card of any type issued by Dah Sing Bank in the past 12 months.
• The applicant must successfully apply for the Dah Sing Distinction Platinum Card during the 2026 Promotion Period. Each Eligible Cardholder can apply for one Eligible Card and receive this welcome offer once only; if other Dah Sing credit cards are also applied for, the welcome offer is available through the first approved Dah Sing credit card only.
• Accumulate Eligible Spending of HKD2,800 or above within the first 2 months from the card issuance date. Eligible Spending includes retail purchases, cash advances, autopay, recurring payments, interest-free monthly installments, gift redemption fees if applicable, and cheque payments if applicable; the source lists the exclusions in the evidence.
• The rebate is credited within 8 weeks after the spending requirement is met as credit-card free spending credit. The card account must be valid and in good standing; the credit is not transferable, refundable, or exchangeable for cash.
• If the awarded card account is cancelled within 13 months from card issuance, the Bank may debit a HKD300 handling fee.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student • Application, registration or activation required. See conditions. • Successfully apply for a principal Dah Sing Distinction Platinum Card through the designated online application form or Dah Sing Mobile Banking App during the promotion period. Applications submitted through the online form or app by branch staff or a credit-card promoter are excluded. • Become a new-to-deposit YOU Banking customer, or as an existing deposit customer open or upgrade to a YOU i-Account as Primary Account Holder, from the card application date to 3 months after the new card issuance date. • Achieve Savings Deposit Growth of HKD30,000 or above in 3 consecutive months from the calendar month following the YOU i-Account opening. The source defines this as average daily savings deposit balance less the deposit benchmark; the benchmark is HKD0 for new-to-deposit customers and the specified prior-month eligible balance for existing deposit customers. • The eligible card and YOU Banking account must be valid and in good standing when the rebate is credited. The offer is available once only, and closing the card or YOU Banking account within 18 months of card issuance may cause a HKD300 handling fee. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Successfully apply for a principal Dah Sing Distinction Platinum Card through the designated online application form or Dah Sing Mobile Banking App during the promotion period. Applications submitted through the online form or app by branch staff or a credit-card promoter are excluded.
• Become a new-to-deposit YOU Banking customer, or as an existing deposit customer open or upgrade to a YOU i-Account as Primary Account Holder, from the card application date to 3 months after the new card issuance date.
• Achieve Savings Deposit Growth of HKD30,000 or above in 3 consecutive months from the calendar month following the YOU i-Account opening. The source defines this as average daily savings deposit balance less the deposit benchmark; the benchmark is HKD0 for new-to-deposit customers and the specified prior-month eligible balance for existing deposit customers.
• The eligible card and YOU Banking account must be valid and in good standing when the rebate is credited. The offer is available once only, and closing the card or YOU Banking account within 18 months of card issuance may cause a HKD300 handling fee.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Cash Rebate Offer Promotion Period: 2026-07-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student • Application, registration or activation required. See conditions. • Successfully apply for a principal Dah Sing Distinction Platinum Card during the Extra HKD300 Cash Rebate Offer Promotion Period and successfully join VIP Banking or Hello Kitty VIP Banking as a Primary Account Holder within the applicable quarter. • The applicant must not have maintained or cancelled VIP Banking or Hello Kitty VIP Banking during the prior period specified for the card-issuance quarter. Maintain total balance of HKD1,000,000 or above, or equivalent, at the applicable VIP i-Account or Hello Kitty VIP i-Account maintenance date. • The terms provide quarter-specific join dates, prior-period restrictions, maintenance dates, and rebate posting dates. The relevant card and VIP account must be valid and in good standing when the rebate is issued. • Each Eligible New VIP Banking Customer can receive this extra cash rebate once only, regardless of the number of VIP accounts opened. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Successfully apply for a principal Dah Sing Distinction Platinum Card during the Extra HKD300 Cash Rebate Offer Promotion Period and successfully join VIP Banking or Hello Kitty VIP Banking as a Primary Account Holder within the applicable quarter.
• The applicant must not have maintained or cancelled VIP Banking or Hello Kitty VIP Banking during the prior period specified for the card-issuance quarter. Maintain total balance of HKD1,000,000 or above, or equivalent, at the applicable VIP i-Account or Hello Kitty VIP i-Account maintenance date.
• The terms provide quarter-specific join dates, prior-period restrictions, maintenance dates, and rebate posting dates. The relevant card and VIP account must be valid and in good standing when the rebate is issued.
• Each Eligible New VIP Banking Customer can receive this extra cash rebate once only, regardless of the number of VIP accounts opened.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student; Customer: New customer • Application, registration or activation required. See conditions. • The card page states that a successful card application and joining VIP Banking provide fabulous welcome rewards. • The amount, form, eligibility details, validity period, and cap are not stated in the local card page. The page links to VIP Banking terms; linked pages are not used as evidence in this workflow. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The card page states that a successful card application and joining VIP Banking provide fabulous welcome rewards.
• The amount, form, eligibility details, validity period, and cap are not stated in the local card page. The page links to VIP Banking terms; linked pages are not used as evidence in this workflow.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Category or merchant does not match. • Audience: Student • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: direct-debit • Eligible categories: 慈善捐款 • Double cash rebate applies to donations and payments to Diocesan Boys' School Foundation Limited. • Use the Foundation direct debit authorization form for the donation or payment items listed in that form. Individual transaction and Cash Rebate Scheme exclusions apply. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 慈善捐款 · Type: category
• Requirements: Pay with: direct debit
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Application or registration is required.
• Double cash rebate applies to donations and payments to Diocesan Boys' School Foundation Limited.
• Use the Foundation direct debit authorization form for the donation or payment items listed in that form. Individual transaction and Cash Rebate Scheme exclusions apply.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Category or merchant does not match. • Audience: Student • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Eligible categories: 海外簽賬 • Double cash rebate applies to overseas transactions. Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong. • Individual transaction and Cash Rebate Scheme exclusions apply. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Double cash rebate applies to overseas transactions. Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong.
• Individual transaction and Cash Rebate Scheme exclusions apply.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Category or merchant does not match. • Audience: Student • Limit: 25 HKD · Per Month • Limit applies to: First HKD500 Octopus AAVS amount in each month • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: octopus-aavs • Eligible categories: 八達通 • Apply for Octopus AAVS with the Eligible Card successfully within 2 months from the card issuance date. Make at least one retail transaction with the card in each month to receive the offer for that month. • The offer applies only to the Eligible Cardholder's Octopus AAVS amount. The card account must be valid and in good standing, and Octopus AAVS must be maintained when the rebate is credited. • Only the first HKD500 of Octopus AAVS each month qualifies; the maximum rebate is HKD25 per month. The offer lasts for 12 months starting in the month when Octopus AAVS is successfully set up. • The source lists exclusions including cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 八達通 · Type: category
• Requirements: Pay with: octopus aavs
• Benefit limit: Amount: 25 · Applies to: First HKD500 Octopus AAVS amount in each month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Application or registration is required.
• Apply for Octopus AAVS with the Eligible Card successfully within 2 months from the card issuance date. Make at least one retail transaction with the card in each month to receive the offer for that month.
• The offer applies only to the Eligible Cardholder's Octopus AAVS amount. The card account must be valid and in good standing, and Octopus AAVS must be maintained when the rebate is credited.
• Only the first HKD500 of Octopus AAVS each month qualifies; the maximum rebate is HKD25 per month. The offer lasts for 12 months starting in the month when Octopus AAVS is successfully set up.
• The source lists exclusions including cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

This benefit does not apply to a purchase. • Audience: Student • Every time the card is used, the Bank contributes a portion of the spending to Diocesan Boys' School in support of educational and research development. • The amount, percentage, cap, and timing of the contribution are not stated on the local card page. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Every time the card is used, the Bank contributes a portion of the spending to Diocesan Boys' School in support of educational and research development.
• The amount, percentage, cap, and timing of the contribution are not stated on the local card page.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

No comparable purchase saving is specified for this benefit type. • Audience: Student • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: direct-debit • Eligible categories: 學費／課程 • Available with the direct debit authorization payment service for children's DBS tuition fees, lunch box fees, school bus fare, and donation or payment to DBS Foundation Limited. • The source states up to 60 days interest-free repayment period; no further period rule is stated for this DBS direct-debit feature. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 學費／課程 · Type: category
• Requirements: Pay with: direct debit
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Available with the direct debit authorization payment service for children's DBS tuition fees, lunch box fees, school bus fare, and donation or payment to DBS Foundation Limited.
• The source states up to 60 days interest-free repayment period; no further period rule is stated for this DBS direct-debit feature.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

This benefit does not apply to a purchase. • Audience: Student • No interest is charged when the statement balance is paid in full by the due date. The length of the interest-free period depends on when the purchase is made within the statement cycle. • No interest-free period applies to cash advance, Smart Choice Balance Transfer Program, or Cash Conversion Plan. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• No interest is charged when the statement balance is paid in full by the due date. The length of the interest-free period depends on when the purchase is made within the statement cycle.
• No interest-free period applies to cash advance, Smart Choice Balance Transfer Program, or Cash Conversion Plan.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 餐飲 • Dining is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Dining is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 時裝 • Fashion is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 時裝 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Fashion is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 美容／個人護理 • Beauty is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 美容／個人護理 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Beauty is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 其他 • Lifestyle is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Lifestyle is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 旅遊 • Travel is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 旅遊 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Travel is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • Fixed welcome gift; the source states no cash value or percentage denominator. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded. • Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift. • New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card. • Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions. • Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date. • Once the gift is chosen it cannot be exchanged. Gifts are first come, first served while stocks last; the Bank may offer a replacement if stock is unavailable, and gifts cannot be exchanged for cash. • The suitcase redemption letter is mailed within 2 weeks after the spending requirement is met. The applicant must redeem the gift with the letter; redemption details are in the letter and lost, stolen or damaged letters are not reissued. • The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and at redemption. • The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. • The gift is supplied by participating merchants. Product photos and reference retail prices are for reference, and product or service complaints are directed to the relevant merchant.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed welcome gift; the source states no cash value or percentage denominator.
• Application or registration is required.
• The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded.
• Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift.
• New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card.
• Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions.
• Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date.
• Once the gift is chosen it cannot be exchanged. Gifts are first come, first served while stocks last; the Bank may offer a replacement if stock is unavailable, and gifts cannot be exchanged for cash.
• The suitcase redemption letter is mailed within 2 weeks after the spending requirement is met. The applicant must redeem the gift with the letter; redemption details are in the letter and lost, stolen or damaged letters are not reissued.
• The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and at redemption.
• The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue.
• The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.
• The gift is supplied by participating merchants. Product photos and reference retail prices are for reference, and product or service complaints are directed to the relevant merchant.
• Go-Goal Platinum Card Welcome Gift Redemption Promotion Period: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • Fixed welcome gift; the source states no cash value or percentage denominator. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded. • Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift. • New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card. • Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions. • Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date. • Once the gift is chosen it cannot be exchanged. Gifts are first come, first served while stocks last; the Bank may offer a replacement if stock is unavailable, and gifts cannot be exchanged for cash. • The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and at redemption. • The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. • The gift is supplied by participating merchants. Product photos and reference retail prices are for reference, and product or service complaints are directed to the relevant merchant.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed welcome gift; the source states no cash value or percentage denominator.
• Application or registration is required.
• The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded.
• Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift.
• New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card.
• Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions.
• Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date.
• Once the gift is chosen it cannot be exchanged. Gifts are first come, first served while stocks last; the Bank may offer a replacement if stock is unavailable, and gifts cannot be exchanged for cash.
• The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and at redemption.
• The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue.
• The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.
• The gift is supplied by participating merchants. Product photos and reference retail prices are for reference, and product or service complaints are directed to the relevant merchant.
• Go-Goal Platinum Card Welcome Gift Redemption Promotion Period: 2026-01-01 – 2026-12-31

Whole-dollar rebate rounding requires the statement total or an explicit per-transaction basis. • Audience: Student; Customer: New customer • Threshold-equivalent calculation: HK$500 Spending Rebate ÷ HK$3,000 minimum eligible spending × 100 = 16.67% at the inclusive minimum; the effective rate can be lower above the threshold because the rebate is fixed. The source states that the rebate is rounded to the nearest dollar and cannot be redeemed for cash. • Limit: 500 HKD · Promotion Total • Limit applies to: One HK$500 Spending Rebate per eligible new cardholder • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded. • Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift. • New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card. • Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions. • Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date. • The rebate is credited within 2 months after the month in which the relevant spending requirement is met and is rounded to the nearest dollar. It can be used only for retail spending; it cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. • The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and when the rebate is awarded. • The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 500 · Applies to: One HK$500 Spending Rebate per eligible new cardholder · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HK$500 Spending Rebate ÷ HK$3,000 minimum eligible spending × 100 = 16.67% at the inclusive minimum; the effective rate can be lower above the threshold because the rebate is fixed. The source states that the rebate is rounded to the nearest dollar and cannot be redeemed for cash.
• Application or registration is required.
• The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded.
• Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift.
• New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card.
• Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions.
• Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date.
• The rebate is credited within 2 months after the month in which the relevant spending requirement is met and is rounded to the nearest dollar. It can be used only for retail spending; it cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred.
• The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and when the rebate is awarded.
• The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue.
• The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.
• Go-Goal Platinum Card Welcome Gift Redemption Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student • This is a time-based repayment feature, not a spending percentage. • The HTML page states that a cardholder who pays tuition fees with the Go-Goal Platinum Card can enjoy 55-day interest-free instalment loan repayment. • The allowed HTML does not state a separate application step, handling-fee amount, posting rule or other numerical condition for this feature. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a time based repayment feature, not a spending percentage.
• The HTML page states that a cardholder who pays tuition fees with the Go-Goal Platinum Card can enjoy 55-day interest-free instalment loan repayment.
• The allowed HTML does not state a separate application step, handling-fee amount, posting rule or other numerical condition for this feature.
• The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

This benefit does not apply to a purchase. • Audience: Student • This is a repayment-tenor feature with a handling fee, not a spending percentage. • The HTML page states that tuition-fee payment can use repayment of up to 24 months by paying a one-off handling fee. • The allowed HTML does not state the handling-fee amount, a separate application step, or other numerical condition for this feature. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a repayment tenor feature with a handling fee, not a spending percentage.
• The HTML page states that tuition-fee payment can use repayment of up to 24 months by paying a one-off handling fee.
• The allowed HTML does not state the handling-fee amount, a separate application step, or other numerical condition for this feature.
• The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

Whole-dollar rebate rounding requires the statement total or an explicit per-transaction basis. • Audience: Student • The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. • Limit: unlimited. • Applies to all eligible spending, subject to the conditions. • The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. • The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. • Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. • The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. • Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. • The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. • If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1.
• The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026.
• The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar.
• Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period.
• The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions.
• Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy.
• The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status.
• If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.
• Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31

Whole-dollar rebate rounding requires the statement total or an explicit per-transaction basis. • Audience: Student • The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. • Limit: 2000 HKD · Per Month • Limit applies to: First HK$2,000 eligible spending in each calendar month • Applies to all eligible spending, subject to the conditions. • The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. • The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. • Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. • Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. • The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. • Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. • The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. • If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward.
• The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026.
• The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month.
• Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme.
• Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period.
• The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions.
• Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy.
• The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status.
• If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.
• Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student • This is an annual-fee waiver, not a spending percentage. • The Go-Goal page states a perpetual annual fee waiver for the Go-Goal Platinum Card. • The allowed HTML does not state the standard annual fee amount, separate principal or supplementary-card scope, or an additional condition for the waiver. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is an annual fee waiver, not a spending percentage.
• The Go-Goal page states a perpetual annual fee waiver for the Go-Goal Platinum Card.
• The allowed HTML does not state the standard annual fee amount, separate principal or supplementary-card scope, or an additional condition for the waiver.
• The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

The limit has no usable HKD amount. • The terms state a source-stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 +FUN Dollars · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases • Eligibility: Payment Methods: hang-seng-personal-e-banking-bill-payment • Merchants: city-university-of-hong-kong, the-chinese-university-of-hong-kong, hong-kong-baptist-university, the-hang-seng-university-of-hong-kong, the-university-of-hong-kong, the-hong-kong-university-of-science-and-technology, the-hong-kong-polytechnic-university, hong-kong-metropolitan-university, the-education-university-of-hong-kong, lingnan-university, vocational-training-council, hong-kong-chu-hai-college • Eligible merchants: city-university-of-hong-kong, the-chinese-university-of-hong-kong, hong-kong-baptist-university, the-hang-seng-university-of-hong-kong, the-university-of-hong-kong, the-hong-kong-university-of-science-and-technology, the-hong-kong-polytechnic-university, hong-kong-metropolitan-university, the-education-university-of-hong-kong, lingnan-university, vocational-training-council, hong-kong-chu-hai-college • Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list. • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion. • The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated. • Group 1 tuition-fee payments must be made through Hang Seng Personal e-Banking bill payment and successfully posted within the Promotion Period. • Group 1 institutions are City University of Hong Kong, The Chinese University of Hong Kong, Hong Kong Baptist University, The Hang Seng University of Hong Kong, The University of Hong Kong, The Hong Kong University of Science & Technology, The Hong Kong Polytechnic University, Hong Kong Metropolitan University, The Education University of Hong Kong, Lingnan University, Vocational Training Council and Hong Kong Chu Hai College.

• Eligibility: Audience: all
• Eligible spending: Applies to: city university of hong kong / the chinese university of hong kong / hong kong baptist university / the hang seng university of hong kong / the university of hong kong / the hong kong university of science and technology / the hong kong polytechnic university / hong kong metropolitan university / the education university of hong kong / lingnan university / vocational training council / hong kong chu hai college · Type: merchant
• Requirements: Pay with: hang seng personal e banking bill payment
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases · Period: promotion total · Type: limited · Unit: +FUN Dollars
• Percentage note: The terms state a source stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward.
• Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion.
• The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated.
• Group 1 tuition-fee payments must be made through Hang Seng Personal e-Banking bill payment and successfully posted within the Promotion Period.
• Group 1 institutions are City University of Hong Kong, The Chinese University of Hong Kong, Hong Kong Baptist University, The Hang Seng University of Hong Kong, The University of Hong Kong, The Hong Kong University of Science & Technology, The Hong Kong Polytechnic University, Hong Kong Metropolitan University, The Education University of Hong Kong, Lingnan University, Vocational Training Council and Hong Kong Chu Hai College.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

The limit has no usable HKD amount. • The terms state a source-stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 +FUN Dollars · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases • Merchants: school-of-continuing-and-professional-studies-cuhk, hong-kong-baptist-university-college-of-international-education, school-of-continuing-education-hong-kong-baptist-university, lingnan-institute-of-further-education, hong-kong-community-college-of-hong-kong-polytechnic-university • Eligible merchants: school-of-continuing-and-professional-studies-cuhk, hong-kong-baptist-university-college-of-international-education, school-of-continuing-education-hong-kong-baptist-university, lingnan-institute-of-further-education, hong-kong-community-college-of-hong-kong-polytechnic-university • Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list. • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion. • The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated. • Group 2 tuition-fee payments must be made to the named designated institutions and successfully posted within the Promotion Period. • Group 2 institutions are School of Continuing and Professional Studies, CUHK; Hong Kong Baptist University College of International Education; School of Continuing Education Hong Kong Baptist University; Lingnan Institute of Further Education; and Hong Kong Community College of Hong Kong Polytechnic University.

• Eligibility: Audience: all
• Eligible spending: Applies to: school of continuing and professional studies cuhk / hong kong baptist university college of international education / school of continuing education hong kong baptist university / lingnan institute of further education / hong kong community college of hong kong polytechnic university · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases · Period: promotion total · Type: limited · Unit: +FUN Dollars
• Percentage note: The terms state a source stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward.
• Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion.
• The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated.
• Group 2 tuition-fee payments must be made to the named designated institutions and successfully posted within the Promotion Period.
• Group 2 institutions are School of Continuing and Professional Studies, CUHK; Hong Kong Baptist University College of International Education; School of Continuing Education Hong Kong Baptist University; Lingnan Institute of Further Education; and Hong Kong Community College of Hong Kong Polytechnic University.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

The limit has no usable HKD amount. • The terms state a source-stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 +FUN Dollars · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases • Merchants: cfa-institute, hong-kong-institute-of-certified-public-accountants-hkicpa, the-hong-kong-management-association-hkma • Eligible merchants: cfa-institute, hong-kong-institute-of-certified-public-accountants-hkicpa, the-hong-kong-management-association-hkma • Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list. • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion. • The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated. • Group 3 examination-fee payments must be made to the named designated professional institutions and successfully posted within the Promotion Period. • Group 3 institutions are CFA Institute, Hong Kong Institute of Certified Public Accountants (HKICPA) and The Hong Kong Management Association (HKMA).

• Eligibility: Audience: all
• Eligible spending: Applies to: cfa institute / hong kong institute of certified public accountants hkicpa / the hong kong management association hkma · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases · Period: promotion total · Type: limited · Unit: +FUN Dollars
• Percentage note: The terms state a source stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward.
• Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion.
• The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated.
• Group 3 examination-fee payments must be made to the named designated professional institutions and successfully posted within the Promotion Period.
• Group 3 institutions are CFA Institute, Hong Kong Institute of Certified Public Accountants (HKICPA) and The Hong Kong Management Association (HKMA).
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

Category or merchant does not match. • The terms state a source-stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 +FUN Dollars · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases • Merchants: the-commercial-press, joint-publishing-h-k, chung-hwa-book-co, eslite-bookstore, academic-and-professional-book-centre • Eligible merchants: the-commercial-press, joint-publishing-h-k, chung-hwa-book-co, eslite-bookstore, academic-and-professional-book-centre • Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list. • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion. • The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated. • Retail transactions at the named Designated Local Bookstores must be successfully posted within the Promotion Period. • The Designated Local Bookstores are The Commercial Press, Joint Publishing (H.K.), Chung Hwa Book Co, Eslite Bookstore and Academic & Professional Book Centre.

• Eligibility: Audience: all
• Eligible spending: Applies to: the commercial press / joint publishing h k / chung hwa book co / eslite bookstore / academic and professional book centre · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of 400 +FUN Dollars across both phases · Period: promotion total · Type: limited · Unit: +FUN Dollars
• Percentage note: The terms state a source stated 2.4% rebate and explain that it includes the basic 0.4% +FUN Dollars reward.
• Hong Kong Baptist University Credit Card is included in the Eligible Credit Card list.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026 and is excluded for this run; active Phase 2 runs from 1 July to 31 December 2026.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars, and a reward below 1 +FUN Dollar is not awarded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account. The extra reward is capped at 200 +FUN Dollars per phase and 400 +FUN Dollars for the full promotion.
• The reward is credited by February 2027 for Phase 2. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility, and the reward cannot be combined with other +FUN Dollars promotions unless otherwise stated.
• Retail transactions at the named Designated Local Bookstores must be successfully posted within the Promotion Period.
• The Designated Local Bookstores are The Commercial Press, Joint Publishing (H.K.), Chung Hwa Book Co, Eslite Bookstore and Academic & Professional Book Centre.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. Each principal-card customer may receive one welcome offer during the Promotion Period. • The account must remain valid and in good standing when the reward is granted. +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and fees, annual or service fees, finance or late charges, tax and online bill payments, instalment plans, Octopus Add Value, stored-value cards or e-wallet reloads, financial-institution products or transfers, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • This tier applies to full-time University/Tertiary Students. The terms require the student to be aged 18 or above and list Hong Kong Baptist University among the eligible institutions. • The required accumulated eligible spending is HKD2,000 or more within 60 days from the date of new card issuance.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. Each principal-card customer may receive one welcome offer during the Promotion Period.
• The account must remain valid and in good standing when the reward is granted. +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and fees, annual or service fees, finance or late charges, tax and online bill payments, instalment plans, Octopus Add Value, stored-value cards or e-wallet reloads, financial-institution products or transfers, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• This tier applies to full-time University/Tertiary Students. The terms require the student to be aged 18 or above and list Hong Kong Baptist University among the eligible institutions.
• The required accumulated eligible spending is HKD2,000 or more within 60 days from the date of new card issuance.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. Each principal-card customer may receive one welcome offer during the Promotion Period. • The account must remain valid and in good standing when the reward is granted. +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and fees, annual or service fees, finance or late charges, tax and online bill payments, instalment plans, Octopus Add Value, stored-value cards or e-wallet reloads, financial-institution products or transfers, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • This tier applies to non-full-time University/Tertiary Students who are New Credit Card Customers under the source definition. • The required accumulated eligible spending is HKD5,000 or more within 60 days from the date of new card issuance. • A New Credit Card Customer is a principal-card applicant who is not currently holding and has never held the principal card of a qualifying Hang Seng personal, affinity or co-branded card during the 12 months before application, subject to the stated exclusions.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. Each principal-card customer may receive one welcome offer during the Promotion Period.
• The account must remain valid and in good standing when the reward is granted. +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and fees, annual or service fees, finance or late charges, tax and online bill payments, instalment plans, Octopus Add Value, stored-value cards or e-wallet reloads, financial-institution products or transfers, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• This tier applies to non-full-time University/Tertiary Students who are New Credit Card Customers under the source definition.
• The required accumulated eligible spending is HKD5,000 or more within 60 days from the date of new card issuance.
• A New Credit Card Customer is a principal-card applicant who is not currently holding and has never held the principal card of a qualifying Hang Seng personal, affinity or co-branded card during the 12 months before application, subject to the stated exclusions.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Audience: Student; Customer: Existing customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. Each principal-card customer may receive one welcome offer during the Promotion Period. • The account must remain valid and in good standing when the reward is granted. +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and fees, annual or service fees, finance or late charges, tax and online bill payments, instalment plans, Octopus Add Value, stored-value cards or e-wallet reloads, financial-institution products or transfers, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • This tier applies to non-full-time University/Tertiary Students who are Existing Credit Card Customers under the source definition. • The required accumulated eligible spending is HKD5,000 or more within 60 days from the date of new card issuance. • An existing customer who currently holds or held the same credit-card type during the 12 months before application is not entitled to a welcome offer.

• Eligibility: Audience: student · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. Each principal-card customer may receive one welcome offer during the Promotion Period.
• The account must remain valid and in good standing when the reward is granted. +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and fees, annual or service fees, finance or late charges, tax and online bill payments, instalment plans, Octopus Add Value, stored-value cards or e-wallet reloads, financial-institution products or transfers, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• This tier applies to non-full-time University/Tertiary Students who are Existing Credit Card Customers under the source definition.
• The required accumulated eligible spending is HKD5,000 or more within 60 days from the date of new card issuance.
• An existing customer who currently holds or held the same credit-card type during the 12 months before application is not entitled to a welcome offer.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

This benefit does not apply to a purchase. • Audience: Student • The source describes a donation arrangement but does not state a donation percentage or cap. • The product page states that part of card spending will be donated to Hong Kong Baptist University for campus enhancements, student activities and alumni affairs. • The source does not state the donated proportion, a transaction threshold or a separate validity period. Terms and conditions apply.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source describes a donation arrangement but does not state a donation percentage or cap.
• The product page states that part of card spending will be donated to Hong Kong Baptist University for campus enhancements, student activities and alumni affairs.
• The source does not state the donated proportion, a transaction threshold or a separate validity period. Terms and conditions apply.

Category or merchant does not match. • The source states a 30% discount or waiver directly. • Merchants: pacific-coffee-shaw-campus • Eligible merchants: pacific-coffee-shaw-campus • The offer is stated for eligible Hong Kong Baptist University Credit Card customers. • The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting. • The named location restriction is Pacific Coffee on Shaw Campus.

• Eligibility: Audience: all
• Eligible spending: Applies to: pacific coffee shaw campus · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 30% discount or waiver directly.
• The offer is stated for eligible Hong Kong Baptist University Credit Card customers.
• The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.
• The named location restriction is Pacific Coffee on Shaw Campus.

Category or merchant does not match. • The source states a 20% discount or waiver directly. • Merchants: bistro-ntt • Eligible merchants: bistro-ntt • The offer is stated for eligible Hong Kong Baptist University Credit Card customers. • The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.

• Eligibility: Audience: all
• Eligible spending: Applies to: bistro ntt · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 20% discount or waiver directly.
• The offer is stated for eligible Hong Kong Baptist University Credit Card customers.
• The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.

Category or merchant does not match. • The source states a 20% discount or waiver directly. • Merchants: jccc-ug-f-cafe • Eligible merchants: jccc-ug-f-cafe • The offer is stated for eligible Hong Kong Baptist University Credit Card customers. • The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.

• Eligibility: Audience: all
• Eligible spending: Applies to: jccc ug f cafe · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 20% discount or waiver directly.
• The offer is stated for eligible Hong Kong Baptist University Credit Card customers.
• The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.

Category or merchant does not match. • The source states a 10% discount or waiver directly. • Merchants: nan-yuan • Eligible merchants: nan-yuan • The offer is stated for eligible Hong Kong Baptist University Credit Card customers. • The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.

• Eligibility: Audience: all
• Eligible spending: Applies to: nan yuan · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 10% discount or waiver directly.
• The offer is stated for eligible Hong Kong Baptist University Credit Card customers.
• The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.

Merchant eligibility cannot be established from the incomplete source list. • The source states a 20% medical-consultation discount directly. • Eligible categories: 醫療服務 • The product page describes a discount at a designated HKBU Chinese Medicine Clinic and states 20% off for medical consultation at clinics associated with HKBU. • The source does not provide a complete local list of the designated or associated clinics. The configured medical-service category is retained and the clinic restriction is preserved. • The local source does not state a separate validity period or a monetary cap. Customers should confirm the designated clinic and latest terms before use.

• Eligibility: Audience: all
• Eligible spending: Applies to: 醫療服務 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 20% medical consultation discount directly.
• The complete list of eligible merchants is not available.
• The product page describes a discount at a designated HKBU Chinese Medicine Clinic and states 20% off for medical consultation at clinics associated with HKBU.
• The source does not provide a complete local list of the designated or associated clinics. The configured medical-service category is retained and the clinic restriction is preserved.
• The local source does not state a separate validity period or a monetary cap. Customers should confirm the designated clinic and latest terms before use.

This benefit does not apply to a purchase. • The source states an annual-fee discount but gives no discount percentage or amount. • The product page states an annual fee discount on HKBU Sports Centre User Card. • The source does not state the discount amount, eligibility period or a separate monetary cap. Customers should confirm the current Sports Centre terms before applying.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states an annual fee discount but gives no discount percentage or amount.
• The product page states an annual fee discount on HKBU Sports Centre User Card.
• The source does not state the discount amount, eligibility period or a separate monetary cap. Customers should confirm the current Sports Centre terms before applying.

This benefit does not apply to a purchase. • The source states a one-off one-year fee waiver but gives no discount percentage. • Application, registration or activation required. See conditions. • The product page states that eligible graduates can enjoy a one-off 1-year annual fee waiver on library borrower card application. • The benefit is limited to eligible graduates and requires an application for the library borrower card. The source does not state a separate validity period or a monetary cap.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a one off one year fee waiver but gives no discount percentage.
• Application or registration is required.
• The product page states that eligible graduates can enjoy a one-off 1-year annual fee waiver on library borrower card application.
• The benefit is limited to eligible graduates and requires an application for the library borrower card. The source does not state a separate validity period or a monetary cap.

This benefit does not apply to a purchase. • The source states a maximum interest-free period, not a percentage rate. • The Key Facts Statement states an interest-free period of up to 56 days for eligible retail purchases. • The actual period depends on the statement and payment conditions stated in the card terms. The source does not state a separate promotion validity period.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a maximum interest free period, not a percentage rate.
• The Key Facts Statement states an interest-free period of up to 56 days for eligible retail purchases.
• The actual period depends on the statement and payment conditions stated in the card terms. The source does not state a separate promotion validity period.

This benefit does not apply to a purchase. • The source describes a service process and gives no percentage rate. • Application, registration or activation required. See conditions. • The chargeback information document describes a process for cardholders to request investigation of eligible disputed card transactions. • The request must follow the stated submission method and document deadlines. The document lists transaction types and circumstances that are excluded or require separate handling. • Any temporary refund is subject to the bank investigation and can be reversed if the claim is not accepted. The document does not state a separate promotion validity period.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source describes a service process and gives no percentage rate.
• Application or registration is required.
• The chargeback information document describes a process for cardholders to request investigation of eligible disputed card transactions.
• The request must follow the stated submission method and document deadlines. The document lists transaction types and circumstances that are excluded or require separate handling.
• Any temporary refund is subject to the bank investigation and can be reversed if the claim is not accepted. The document does not state a separate promotion validity period.

The limit has no usable HKD amount. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Eligibility: Payment Methods: hang-seng-personal-e-banking-bill-payment • Merchants: city-university-of-hong-kong, the-chinese-university-of-hong-kong, hong-kong-baptist-university, the-hang-seng-university-of-hong-kong, the-university-of-hong-kong, the-hong-kong-university-of-science-and-technology, the-hong-kong-polytechnic-university, hong-kong-metropolitan-university, the-education-university-of-hong-kong, lingnan-university, vocational-training-council, hong-kong-chu-hai-college • Eligible merchants: city-university-of-hong-kong, the-chinese-university-of-hong-kong, hong-kong-baptist-university, the-hang-seng-university-of-hong-kong, the-university-of-hong-kong, the-hong-kong-university-of-science-and-technology, the-hong-kong-polytechnic-university, hong-kong-metropolitan-university, the-education-university-of-hong-kong, lingnan-university, vocational-training-council, hong-kong-chu-hai-college • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for tuition-fee payment to a designated Group 1 institution through Hang Seng Personal e-Banking bill payment service, successfully posted to the card account within the Promotion Period. • Designated Group 1 institutions are City University of Hong Kong, The Chinese University of Hong Kong, Hong Kong Baptist University, The Hang Seng University of Hong Kong, The University of Hong Kong, The Hong Kong University of Science and Technology, The Hong Kong Polytechnic University, Hong Kong Metropolitan University, The Education University of Hong Kong, Lingnan University, Vocational Training Council, and Hong Kong Chu Hai College.

• Eligibility: Audience: all
• Eligible spending: Applies to: city university of hong kong / the chinese university of hong kong / hong kong baptist university / the hang seng university of hong kong / the university of hong kong / the hong kong university of science and technology / the hong kong polytechnic university / hong kong metropolitan university / the education university of hong kong / lingnan university / vocational training council / hong kong chu hai college · Type: merchant
• Requirements: Pay with: hang seng personal e banking bill payment
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for tuition-fee payment to a designated Group 1 institution through Hang Seng Personal e-Banking bill payment service, successfully posted to the card account within the Promotion Period.
• Designated Group 1 institutions are City University of Hong Kong, The Chinese University of Hong Kong, Hong Kong Baptist University, The Hang Seng University of Hong Kong, The University of Hong Kong, The Hong Kong University of Science and Technology, The Hong Kong Polytechnic University, Hong Kong Metropolitan University, The Education University of Hong Kong, Lingnan University, Vocational Training Council, and Hong Kong Chu Hai College.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

The limit has no usable HKD amount. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Merchants: school-of-continuing-and-professional-studies-cuhk, hong-kong-baptist-university-college-of-international-education, school-of-continuing-education-hong-kong-baptist-university, lingnan-institute-of-further-education, hong-kong-community-college-of-hong-kong-polytechnic-university • Eligible merchants: school-of-continuing-and-professional-studies-cuhk, hong-kong-baptist-university-college-of-international-education, school-of-continuing-education-hong-kong-baptist-university, lingnan-institute-of-further-education, hong-kong-community-college-of-hong-kong-polytechnic-university • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for tuition-fee payment to a designated Group 2 institution within the Promotion Period. • Designated Group 2 institutions are School of Continuing and Professional Studies, CUHK; Hong Kong Baptist University College of International Education; School of Continuing Education, Hong Kong Baptist University; Lingnan Institute of Further Education; and Hong Kong Community College of Hong Kong Polytechnic University.

• Eligibility: Audience: all
• Eligible spending: Applies to: school of continuing and professional studies cuhk / hong kong baptist university college of international education / school of continuing education hong kong baptist university / lingnan institute of further education / hong kong community college of hong kong polytechnic university · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for tuition-fee payment to a designated Group 2 institution within the Promotion Period.
• Designated Group 2 institutions are School of Continuing and Professional Studies, CUHK; Hong Kong Baptist University College of International Education; School of Continuing Education, Hong Kong Baptist University; Lingnan Institute of Further Education; and Hong Kong Community College of Hong Kong Polytechnic University.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

The limit has no usable HKD amount. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Merchants: cfa-institute, hong-kong-institute-of-certified-public-accountants-hkicpa, the-hong-kong-management-association-hkma • Eligible merchants: cfa-institute, hong-kong-institute-of-certified-public-accountants-hkicpa, the-hong-kong-management-association-hkma • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for examination-fee payment to a designated Group 3 professional institution within the Promotion Period. • Designated Group 3 institutions are CFA Institute, Hong Kong Institute of Certified Public Accountants (HKICPA) and The Hong Kong Management Association (HKMA).

• Eligibility: Audience: all
• Eligible spending: Applies to: cfa institute / hong kong institute of certified public accountants hkicpa / the hong kong management association hkma · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for examination-fee payment to a designated Group 3 professional institution within the Promotion Period.
• Designated Group 3 institutions are CFA Institute, Hong Kong Institute of Certified Public Accountants (HKICPA) and The Hong Kong Management Association (HKMA).
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

Category or merchant does not match. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Merchants: the-commercial-press, joint-publishing-h-k, chung-hwa-book-co, eslite-bookstore, academic-and-professional-book-centre • Eligible merchants: the-commercial-press, joint-publishing-h-k, chung-hwa-book-co, eslite-bookstore, academic-and-professional-book-centre • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for retail transactions at the named Designated Local Bookstores within the Promotion Period. • The Designated Local Bookstores are The Commercial Press, Joint Publishing (H.K.), Chung Hwa Book Co., Eslite Bookstore and Academic & Professional Book Centre.

• Eligibility: Audience: all
• Eligible spending: Applies to: the commercial press / joint publishing h k / chung hwa book co / eslite bookstore / academic and professional book centre · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for retail transactions at the named Designated Local Bookstores within the Promotion Period.
• The Designated Local Bookstores are The Commercial Press, Joint Publishing (H.K.), Chung Hwa Book Co., Eslite Bookstore and Academic & Professional Book Centre.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. • +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer. • This tier is for full-time University/Tertiary Students aged 18 or above who study at City University of Hong Kong, Hong Kong Baptist University, The Chinese University of Hong Kong, School of Continuing and Professional Studies CUHK, or The Hang Seng University of Hong Kong. • Make cumulative eligible card spending of at least HKD2,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis.
• +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer.
• This tier is for full-time University/Tertiary Students aged 18 or above who study at City University of Hong Kong, Hong Kong Baptist University, The Chinese University of Hong Kong, School of Continuing and Professional Studies CUHK, or The Hang Seng University of Hong Kong.
• Make cumulative eligible card spending of at least HKD2,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. • +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer. • This tier is for non-full-time University/Tertiary Students who are New Credit Card Customers. • A New Credit Card Customer is a principal-card applicant who is not currently holding and has never held the principal card of a qualifying Hang Seng personal, affinity or co-branded card during the 12 months before application, subject to the stated exclusions. • Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $700 +FUN Dollars, apart from the basic +FUN Dollars rebate.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis.
• +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer.
• This tier is for non-full-time University/Tertiary Students who are New Credit Card Customers.
• A New Credit Card Customer is a principal-card applicant who is not currently holding and has never held the principal card of a qualifying Hang Seng personal, affinity or co-branded card during the 12 months before application, subject to the stated exclusions.
• Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $700 +FUN Dollars, apart from the basic +FUN Dollars rebate.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Audience: Student; Customer: Existing customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. • +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer. • This tier is for non-full-time University/Tertiary Students who are Existing Credit Card Customers. • An Existing Credit Card Customer is currently holding or has held the principal card of a qualifying Hang Seng personal, affinity or co-branded card in the 12 months before application, subject to the stated exclusions. • Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.

• Eligibility: Audience: student · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis.
• +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer.
• This tier is for non-full-time University/Tertiary Students who are Existing Credit Card Customers.
• An Existing Credit Card Customer is currently holding or has held the principal card of a qualifying Hang Seng personal, affinity or co-branded card in the 12 months before application, subject to the stated exclusions.
• Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

This benefit does not apply to a purchase. • Audience: Student • Part of the cardholder spending is donated to HKBU for campus enhancements, student activities and alumni affairs. The source does not state the donation rate or amount.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Part of the cardholder spending is donated to HKBU for campus enhancements, student activities and alumni affairs. The source does not state the donation rate or amount.

Category or merchant does not match. • Source-stated 30% discount. • Merchants: pacific-coffee-shaw-campus • Eligible merchants: pacific-coffee-shaw-campus • The Campus Dining Offers section states 30% off at Pacific Coffee on Shaw Campus. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: pacific coffee shaw campus · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 30% discount.
• The Campus Dining Offers section states 30% off at Pacific Coffee on Shaw Campus.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Category or merchant does not match. • Source-stated 20% discount. • Merchants: bistro-ntt • Eligible merchants: bistro-ntt • The Campus Dining Offers section states 20% off at Bistro NTT. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: bistro ntt · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 20% discount.
• The Campus Dining Offers section states 20% off at Bistro NTT.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Category or merchant does not match. • Source-stated 20% discount. • Merchants: jccc-ug-f-cafe • Eligible merchants: jccc-ug-f-cafe • The Campus Dining Offers section states 20% off at JCCC UG/F Café. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: jccc ug f cafe · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 20% discount.
• The Campus Dining Offers section states 20% off at JCCC UG/F Café.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Category or merchant does not match. • Source-stated 10% service charge waiver. • Merchants: nan-yuan • Eligible merchants: nan-yuan • The Campus Dining Offers section states a 10% service charge waiver at Nan Yuan. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: nan yuan · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 10% service charge waiver.
• The Campus Dining Offers section states a 10% service charge waiver at Nan Yuan.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Merchant eligibility cannot be established from the incomplete source list. • Source-stated 20% discount. • Eligible categories: 醫療服務 • The page heading describes a discount at the designated HKBU Chinese Medicine Clinic, and the text states 20% off medical consultation at clinics associated with HKBU. • The local source points to an external clinic-details page but does not provide a complete local merchant list. The external link is not used as evidence. • The product-page Remark [2] directs customers to the clinic details and the general offer-change disclaimer in Remark [1] applies.

• Eligibility: Audience: all
• Eligible spending: Applies to: 醫療服務 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 20% discount.
• The complete list of eligible merchants is not available.
• The page heading describes a discount at the designated HKBU Chinese Medicine Clinic, and the text states 20% off medical consultation at clinics associated with HKBU.
• The local source points to an external clinic-details page but does not provide a complete local merchant list. The external link is not used as evidence.
• The product-page Remark [2] directs customers to the clinic details and the general offer-change disclaimer in Remark [1] applies.

This benefit does not apply to a purchase. • The source states a discount but no percentage or amount. • The page states an annual fee discount on the HKBU Sports Centre User Card, but it does not state the discount amount or percentage.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a discount but no percentage or amount.
• The page states an annual fee discount on the HKBU Sports Centre User Card, but it does not state the discount amount or percentage.

This benefit does not apply to a purchase. • The source states a fixed one-off waiver period, not a percentage or monetary rate. • Application, registration or activation required. See conditions. • Eligible graduates can receive a one-off 1-year annual fee waiver when applying for a library borrower card. • The source does not state the library fee amount or any separate cap.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed one off waiver period, not a percentage or monetary rate.
• Application or registration is required.
• Eligible graduates can receive a one-off 1-year annual fee waiver when applying for a library borrower card.
• The source does not state the library fee amount or any separate cap.

This benefit does not apply to a purchase. • The Key Facts Statement states a time period, not a percentage rate. • The Key Facts Statement states an interest-free period of up to 56 days. • No interest is charged if the balance is paid in full by the due date each month. Otherwise, interest is charged on the unpaid balance and new transactions under the stated terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The Key Facts Statement states a time period, not a percentage rate.
• The Key Facts Statement states an interest-free period of up to 56 days.
• No interest is charged if the balance is paid in full by the due date each month. Otherwise, interest is charged on the unpaid balance and new transactions under the stated terms.

The limit has no usable HKD amount. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Eligibility: Payment Methods: hang-seng-personal-e-banking-bill-payment • Merchants: city-university-of-hong-kong, the-chinese-university-of-hong-kong, hong-kong-baptist-university, the-hang-seng-university-of-hong-kong, the-university-of-hong-kong, the-hong-kong-university-of-science-and-technology, the-hong-kong-polytechnic-university, hong-kong-metropolitan-university, the-education-university-of-hong-kong, lingnan-university, vocational-training-council, hong-kong-chu-hai-college • Eligible merchants: city-university-of-hong-kong, the-chinese-university-of-hong-kong, hong-kong-baptist-university, the-hang-seng-university-of-hong-kong, the-university-of-hong-kong, the-hong-kong-university-of-science-and-technology, the-hong-kong-polytechnic-university, hong-kong-metropolitan-university, the-education-university-of-hong-kong, lingnan-university, vocational-training-council, hong-kong-chu-hai-college • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for tuition-fee payment to a designated Group 1 institution through Hang Seng Personal e-Banking bill payment service, successfully posted to the card account within the Promotion Period. • Designated Group 1 institutions are City University of Hong Kong, The Chinese University of Hong Kong, Hong Kong Baptist University, The Hang Seng University of Hong Kong, The University of Hong Kong, The Hong Kong University of Science and Technology, The Hong Kong Polytechnic University, Hong Kong Metropolitan University, The Education University of Hong Kong, Lingnan University, Vocational Training Council, and Hong Kong Chu Hai College.

• Eligibility: Audience: all
• Eligible spending: Applies to: city university of hong kong / the chinese university of hong kong / hong kong baptist university / the hang seng university of hong kong / the university of hong kong / the hong kong university of science and technology / the hong kong polytechnic university / hong kong metropolitan university / the education university of hong kong / lingnan university / vocational training council / hong kong chu hai college · Type: merchant
• Requirements: Pay with: hang seng personal e banking bill payment
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for tuition-fee payment to a designated Group 1 institution through Hang Seng Personal e-Banking bill payment service, successfully posted to the card account within the Promotion Period.
• Designated Group 1 institutions are City University of Hong Kong, The Chinese University of Hong Kong, Hong Kong Baptist University, The Hang Seng University of Hong Kong, The University of Hong Kong, The Hong Kong University of Science and Technology, The Hong Kong Polytechnic University, Hong Kong Metropolitan University, The Education University of Hong Kong, Lingnan University, Vocational Training Council, and Hong Kong Chu Hai College.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

The limit has no usable HKD amount. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Merchants: school-of-continuing-and-professional-studies-cuhk, hong-kong-baptist-university-college-of-international-education, school-of-continuing-education-hong-kong-baptist-university, lingnan-institute-of-further-education, hong-kong-community-college-of-hong-kong-polytechnic-university • Eligible merchants: school-of-continuing-and-professional-studies-cuhk, hong-kong-baptist-university-college-of-international-education, school-of-continuing-education-hong-kong-baptist-university, lingnan-institute-of-further-education, hong-kong-community-college-of-hong-kong-polytechnic-university • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for tuition-fee payment to a designated Group 2 institution within the Promotion Period. • Designated Group 2 institutions are School of Continuing and Professional Studies, CUHK; Hong Kong Baptist University College of International Education; School of Continuing Education, Hong Kong Baptist University; Lingnan Institute of Further Education; and Hong Kong Community College of Hong Kong Polytechnic University.

• Eligibility: Audience: all
• Eligible spending: Applies to: school of continuing and professional studies cuhk / hong kong baptist university college of international education / school of continuing education hong kong baptist university / lingnan institute of further education / hong kong community college of hong kong polytechnic university · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for tuition-fee payment to a designated Group 2 institution within the Promotion Period.
• Designated Group 2 institutions are School of Continuing and Professional Studies, CUHK; Hong Kong Baptist University College of International Education; School of Continuing Education, Hong Kong Baptist University; Lingnan Institute of Further Education; and Hong Kong Community College of Hong Kong Polytechnic University.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

The limit has no usable HKD amount. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Merchants: cfa-institute, hong-kong-institute-of-certified-public-accountants-hkicpa, the-hong-kong-management-association-hkma • Eligible merchants: cfa-institute, hong-kong-institute-of-certified-public-accountants-hkicpa, the-hong-kong-management-association-hkma • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for examination-fee payment to a designated Group 3 professional institution within the Promotion Period. • Designated Group 3 institutions are CFA Institute, Hong Kong Institute of Certified Public Accountants (HKICPA) and The Hong Kong Management Association (HKMA).

• Eligibility: Audience: all
• Eligible spending: Applies to: cfa institute / hong kong institute of certified public accountants hkicpa / the hong kong management association hkma · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for examination-fee payment to a designated Group 3 professional institution within the Promotion Period.
• Designated Group 3 institutions are CFA Institute, Hong Kong Institute of Certified Public Accountants (HKICPA) and The Hong Kong Management Association (HKMA).
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

Category or merchant does not match. • The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward. • Limit: 200 other · Promotion Total • Limit applies to: Each eligible credit-card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period • Merchants: the-commercial-press, joint-publishing-h-k, chung-hwa-book-co, eslite-bookstore, academic-and-professional-book-centre • Eligible merchants: the-commercial-press, joint-publishing-h-k, chung-hwa-book-co, eslite-bookstore, academic-and-professional-book-centre • The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026. • The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions. • Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded. • Spending by supplementary cards is combined with spending posted to the same principal-card account. • The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded. • The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run. • The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility. • The reward cannot be used with other +FUN Dollars promotions unless otherwise specified. • This offer is for retail transactions at the named Designated Local Bookstores within the Promotion Period. • The Designated Local Bookstores are The Commercial Press, Joint Publishing (H.K.), Chung Hwa Book Co., Eslite Bookstore and Academic & Professional Book Centre.

• Eligibility: Audience: all
• Eligible spending: Applies to: the commercial press / joint publishing h k / chung hwa book co / eslite bookstore / academic and professional book centre · Type: merchant
• Benefit limit: Amount: 200 · Applies to: Each eligible credit card account in active Phase 2; the source also states a maximum of $400 +FUN Dollars throughout the Promotion Period · Period: promotion total · Type: limited · Unit: other
• Percentage note: The source states a 2.4% +FUN Dollars rebate and says it includes the basic 0.4% +FUN Dollars reward.
• The promotion runs from 1 January 2026 to 31 December 2026. Phase 1 ended on 30 June 2026; active Phase 2 runs from 1 July to 31 December 2026.
• The reward applies to Hong Kong Baptist University Credit Card and is calculated on the relevant eligible education or bookstore transactions.
• Eligible transactions must be completed during the Promotion Period and posted to the relevant credit-card account within 15 days after the end of the applicable phase. Fraudulent, unposted, cancelled and refunded transactions are excluded.
• Spending by supplementary cards is combined with spending posted to the same principal-card account.
• The reward is calculated for each individual eligible transaction, rounded down to whole +FUN Dollars; a reward below 1 +FUN Dollar is not awarded.
• The extra reward is capped at $200 +FUN Dollars per account per phase and $400 for the full Promotion Period. Phase 2 is the active period for this run.
• The Phase 2 reward will be credited by February 2027. The account must remain valid and in good standing when the reward is credited. Hang Seng records determine eligibility.
• The reward cannot be used with other +FUN Dollars promotions unless otherwise specified.
• This offer is for retail transactions at the named Designated Local Bookstores within the Promotion Period.
• The Designated Local Bookstores are The Commercial Press, Joint Publishing (H.K.), Chung Hwa Book Co., Eslite Bookstore and Academic & Professional Book Centre.
• Phase 2 of the 2026 2.4% +FUN Dollars Rebate Offer for Education Payment: 2026-07-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. • +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer. • This tier is for full-time University/Tertiary Students aged 18 or above who study at City University of Hong Kong, Hong Kong Baptist University, The Chinese University of Hong Kong, School of Continuing and Professional Studies CUHK, or The Hang Seng University of Hong Kong. • Make cumulative eligible card spending of at least HKD2,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis.
• +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer.
• This tier is for full-time University/Tertiary Students aged 18 or above who study at City University of Hong Kong, Hong Kong Baptist University, The Chinese University of Hong Kong, School of Continuing and Professional Studies CUHK, or The Hang Seng University of Hong Kong.
• Make cumulative eligible card spending of at least HKD2,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. • +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer. • This tier is for non-full-time University/Tertiary Students who are New Credit Card Customers. • A New Credit Card Customer is a principal-card applicant who is not currently holding and has never held the principal card of a qualifying Hang Seng personal, affinity or co-branded card during the 12 months before application, subject to the stated exclusions. • Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $700 +FUN Dollars, apart from the basic +FUN Dollars rebate.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis.
• +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer.
• This tier is for non-full-time University/Tertiary Students who are New Credit Card Customers.
• A New Credit Card Customer is a principal-card applicant who is not currently holding and has never held the principal card of a qualifying Hang Seng personal, affinity or co-branded card during the 12 months before application, subject to the stated exclusions.
• Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $700 +FUN Dollars, apart from the basic +FUN Dollars rebate.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Audience: Student; Customer: Existing customer • This is a fixed welcome reward; the source gives no reward-spend percentage. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Applies to all eligible spending, subject to the conditions. • Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027. • Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted. • If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis. • +FUN Dollars are credited within 3 months after the spending requirement is fulfilled. • Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products. • Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer. • This tier is for non-full-time University/Tertiary Students who are Existing Credit Card Customers. • An Existing Credit Card Customer is currently holding or has held the principal card of a qualifying Hang Seng personal, affinity or co-branded card in the 12 months before application, subject to the stated exclusions. • Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.

• Eligibility: Audience: student · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed welcome reward; the source gives no reward spend percentage.
• Application or registration is required.
• Apply for the principal card of a University/College Credit Card during the Promotion Period. The application must be successfully approved and the designated card must be issued on or before 31 January 2027.
• Each principal-card customer may receive one welcome offer during the Promotion Period. The account must remain valid and in good standing when the reward is granted.
• If the principal and supplementary cards share the same credit limit, eligible accumulated spending is calculated on a combined basis.
• +FUN Dollars are credited within 3 months after the spending requirement is fulfilled.
• Eligible net retail spending excludes discounts or redeemed +FUN/Merchant Dollars, unposted interest-free instalments, cash advances and related fees, annual or service fees, finance or late charges, tax and online bill payments, cash, spending, tax and balance-transfer plans, Octopus add value, stored-value cards or e-wallet reloads, financial-institution products or transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after the welcome reward is granted, a handling fee equal to the value of the welcome gift may be charged. The reward is not transferable or exchangeable for cash or other products.
• Existing customers who currently hold or held a principal card of the same credit-card type in the 12 months immediately before application are not entitled to a welcome offer.
• This tier is for non-full-time University/Tertiary Students who are Existing Credit Card Customers.
• An Existing Credit Card Customer is currently holding or has held the principal card of a qualifying Hang Seng personal, affinity or co-branded card in the 12 months before application, subject to the stated exclusions.
• Make cumulative eligible card spending of at least HKD5,000 within 60 days from new card issuance to receive $300 +FUN Dollars, apart from the basic +FUN Dollars rebate.
• University/College Credit Card Welcome Offers promotion period: Now – 2026-12-31
• Deadline for successful approval and issuance of the designated card: Now – 2027-01-31

This benefit does not apply to a purchase. • Audience: Student • Part of the cardholder spending is donated to HKBU for campus enhancements, student activities and alumni affairs. The source does not state the donation rate or amount.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Part of the cardholder spending is donated to HKBU for campus enhancements, student activities and alumni affairs. The source does not state the donation rate or amount.

Category or merchant does not match. • Source-stated 30% discount. • Merchants: pacific-coffee-shaw-campus • Eligible merchants: pacific-coffee-shaw-campus • The Campus Dining Offers section states 30% off at Pacific Coffee on Shaw Campus. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: pacific coffee shaw campus · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 30% discount.
• The Campus Dining Offers section states 30% off at Pacific Coffee on Shaw Campus.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Category or merchant does not match. • Source-stated 20% discount. • Merchants: bistro-ntt • Eligible merchants: bistro-ntt • The Campus Dining Offers section states 20% off at Bistro NTT. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: bistro ntt · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 20% discount.
• The Campus Dining Offers section states 20% off at Bistro NTT.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Category or merchant does not match. • Source-stated 20% discount. • Merchants: jccc-ug-f-cafe • Eligible merchants: jccc-ug-f-cafe • The Campus Dining Offers section states 20% off at JCCC UG/F Café. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: jccc ug f cafe · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 20% discount.
• The Campus Dining Offers section states 20% off at JCCC UG/F Café.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Category or merchant does not match. • Source-stated 10% service charge waiver. • Merchants: nan-yuan • Eligible merchants: nan-yuan • The Campus Dining Offers section states a 10% service charge waiver at Nan Yuan. • Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

• Eligibility: Audience: all
• Eligible spending: Applies to: nan yuan · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 10% service charge waiver.
• The Campus Dining Offers section states a 10% service charge waiver at Nan Yuan.
• Customers should check the latest offer with the merchant before transacting. Offer terms may change; the product-page Remark [1] states the relevant merchant and Hang Seng disclaimers.

Merchant eligibility cannot be established from the incomplete source list. • Source-stated 20% discount. • Eligible categories: 醫療服務 • The page heading describes a discount at the designated HKBU Chinese Medicine Clinic, and the text states 20% off medical consultation at clinics associated with HKBU. • The local source points to an external clinic-details page but does not provide a complete local merchant list. The external link is not used as evidence. • The product-page Remark [2] directs customers to the clinic details and the general offer-change disclaimer in Remark [1] applies.

• Eligibility: Audience: all
• Eligible spending: Applies to: 醫療服務 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 20% discount.
• The complete list of eligible merchants is not available.
• The page heading describes a discount at the designated HKBU Chinese Medicine Clinic, and the text states 20% off medical consultation at clinics associated with HKBU.
• The local source points to an external clinic-details page but does not provide a complete local merchant list. The external link is not used as evidence.
• The product-page Remark [2] directs customers to the clinic details and the general offer-change disclaimer in Remark [1] applies.

This benefit does not apply to a purchase. • The source states a discount but no percentage or amount. • The page states an annual fee discount on the HKBU Sports Centre User Card, but it does not state the discount amount or percentage.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a discount but no percentage or amount.
• The page states an annual fee discount on the HKBU Sports Centre User Card, but it does not state the discount amount or percentage.

This benefit does not apply to a purchase. • The source states a fixed one-off waiver period, not a percentage or monetary rate. • Application, registration or activation required. See conditions. • Eligible graduates can receive a one-off 1-year annual fee waiver when applying for a library borrower card. • The source does not state the library fee amount or any separate cap.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed one off waiver period, not a percentage or monetary rate.
• Application or registration is required.
• Eligible graduates can receive a one-off 1-year annual fee waiver when applying for a library borrower card.
• The source does not state the library fee amount or any separate cap.

This benefit does not apply to a purchase. • The Key Facts Statement states a time period, not a percentage rate. • The Key Facts Statement states an interest-free period of up to 56 days. • No interest is charged if the balance is paid in full by the due date each month. Otherwise, interest is charged on the unpaid balance and new transactions under the stated terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The Key Facts Statement states a time period, not a percentage rate.
• The Key Facts Statement states an interest-free period of up to 56 days.
• No interest is charged if the balance is paid in full by the due date each month. Otherwise, interest is charged on the unpaid balance and new transactions under the stated terms.

Not counted: merchant-specific offers do not stack; only the highest-priority applicable merchant offer is counted. • 由來源明確列出的折價比率計算：付款比率 85 折，即支付原價 85%；節省比率 = 100% - 85% = 15%。來源使用「低至」或「高達」，故保存為最高節省比率。 • Eligible categories: 學費／課程 • 適用於指定環球升學支援課程；課程名單未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 學費／課程 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: 由來源明確列出的折價比率計算：付款比率 85 折，即支付原價 85%；節省比率 = 100% 85% = 15%。來源使用「低至」或「高達」，故保存為最高節省比率。
• 適用於指定環球升學支援課程；課程名單未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Not counted: merchant-specific offers do not stack; only the highest-priority applicable merchant offer is counted. • 由來源明確列出的折價比率計算：付款比率 88 折，即支付原價 88%；節省比率 = 100% - 88% = 12%。來源列出固定折價比率。 • Merchants: british-council • Eligible merchants: british-council • 適用於英國文化協會指定英語課程；課程名單未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: british council · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: 由來源明確列出的折價比率計算：付款比率 88 折，即支付原價 88%；節省比率 = 100% 88% = 12%。來源列出固定折價比率。
• 適用於英國文化協會指定英語課程；課程名單未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HKD800 / HKD8,000 minimum eligible spend × 100 = 10% (one decimal place). The welcome table header lists HKD/RMB, but clause 8 limits RMB qualifying spend to HSBC Pulse UnionPay Dual Currency Diamond and HSBC UnionPay Dual Currency cards; this calculation uses the HKD8,000 path for this Premier Mastercard. The effective rate decreases above the HKD8,000 minimum. The reward remains a fixed HKD800. • Limit: 1 items · Promotion Total • Limit applies to: 每名合資格持卡人的迎新獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • 適用於新信用卡客戶成功申請及獲批的滙豐卓越理財信用卡基本卡，並透過滙豐網頁、滙豐個人網上理財或香港滙豐流動理財應用程式申請。新客戶須在處理申請時沒有滙豐已批核的個人信用卡基本卡。此HK$800獎賞錢與HK$600選項屬同一迎新推廣的替代獎賞。須於發卡後首60個曆日內累積港幣8,000元或以上合資格簽賬；簽賬須為淨額並已誌賬。戶口在整個推廣期及獲享獎賞時須有效且信用狀況良好；申請人不得在批核前12個月內取消滙豐個人基本卡，亦不得為附屬卡申請人。獎賞錢會在完成簽賬要求後兩個月內入賬。每人只可獲享一次；不得兌換現金、貨品、服務或折扣，亦不得轉讓。排除年費、財務及逾期費用、附屬卡簽賬、郵購及電話訂購、網上理財繳費、儲值卡或電子錢包交易及增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、博彩、繳稅、自動轉賬、循環付款、未誌賬、取消或退款交易。若另享其他推廣，滙豐可決定只提供一項推廣優惠，除非另有說明。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。 • 須網上申請。迎新推廣受未載於本HTML的條款約束。

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Amount: 1 · Applies to: 每名合資格持卡人的迎新獎賞 · Period: promotion total · Type: limited · Unit: items
• Percentage note: Threshold equivalent calculation: HKD800 / HKD8,000 minimum eligible spend × 100 = 10% (one decimal place). The welcome table header lists HKD/RMB, but clause 8 limits RMB qualifying spend to HSBC Pulse UnionPay Dual Currency Diamond and HSBC UnionPay Dual Currency cards; this calculation uses the HKD8,000 path for this Premier Mastercard. The effective rate decreases above the HKD8,000 minimum. The reward remains a fixed HKD800.
• Application or registration is required.
• 適用於新信用卡客戶成功申請及獲批的滙豐卓越理財信用卡基本卡，並透過滙豐網頁、滙豐個人網上理財或香港滙豐流動理財應用程式申請。新客戶須在處理申請時沒有滙豐已批核的個人信用卡基本卡。此HK$800獎賞錢與HK$600選項屬同一迎新推廣的替代獎賞。須於發卡後首60個曆日內累積港幣8,000元或以上合資格簽賬；簽賬須為淨額並已誌賬。戶口在整個推廣期及獲享獎賞時須有效且信用狀況良好；申請人不得在批核前12個月內取消滙豐個人基本卡，亦不得為附屬卡申請人。獎賞錢會在完成簽賬要求後兩個月內入賬。每人只可獲享一次；不得兌換現金、貨品、服務或折扣，亦不得轉讓。排除年費、財務及逾期費用、附屬卡簽賬、郵購及電話訂購、網上理財繳費、儲值卡或電子錢包交易及增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、博彩、繳稅、自動轉賬、循環付款、未誌賬、取消或退款交易。若另享其他推廣，滙豐可決定只提供一項推廣優惠，除非另有說明。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。
• 須網上申請。迎新推廣受未載於本HTML的條款約束。
• 滙豐信用卡迎新推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Limit: 1 items · Promotion Total • Limit applies to: 每名合資格持卡人的獎賞錢回贈 • Application, registration or activation required. See conditions. • 須於推廣期內成功申請滙豐卓越理財信用卡基本卡。新客戶指處理申請時沒有滙豐已批核的個人信用卡基本卡。須在發卡後首60個曆日內啟動信用卡，並成功申請及獲批現金套現分期，提款額至少港幣20,000元，還款期至少12個月。戶口須在整個推廣期及獲享獎賞時有效且信用狀況良好。每名合資格持卡人只可獲享一次。獎賞錢會在銀行存入或轉賬提款金額後六個月內自動入賬。若在入賬前提早還款或取消計劃，不會獲得獎賞；入賬後提早還款或取消計劃，銀行可從信用卡扣回獎賞錢。獎賞不可兌換現金、提取現金或轉讓。信用卡、現金套現分期及獎賞錢條款仍適用。其他推廣條款可能限制同時領取多項優惠。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。 • 須為全新信用卡客戶；發卡後首60個曆日內啟動合資格信用卡，成功申請「現金套現」分期計劃，獲批提款額至少港幣20,000元，並選擇至少12個月還款期。額外回贈受未載於本HTML的推廣條款約束。

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 1 · Applies to: 每名合資格持卡人的獎賞錢回贈 · Period: promotion total · Type: limited · Unit: items
• Application or registration is required.
• 須於推廣期內成功申請滙豐卓越理財信用卡基本卡。新客戶指處理申請時沒有滙豐已批核的個人信用卡基本卡。須在發卡後首60個曆日內啟動信用卡，並成功申請及獲批現金套現分期，提款額至少港幣20,000元，還款期至少12個月。戶口須在整個推廣期及獲享獎賞時有效且信用狀況良好。每名合資格持卡人只可獲享一次。獎賞錢會在銀行存入或轉賬提款金額後六個月內自動入賬。若在入賬前提早還款或取消計劃，不會獲得獎賞；入賬後提早還款或取消計劃，銀行可從信用卡扣回獎賞錢。獎賞不可兌換現金、提取現金或轉讓。信用卡、現金套現分期及獎賞錢條款仍適用。其他推廣條款可能限制同時領取多項優惠。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。
• 須為全新信用卡客戶；發卡後首60個曆日內啟動合資格信用卡，成功申請「現金套現」分期計劃，獲批提款額至少港幣20,000元，並選擇至少12個月還款期。額外回贈受未載於本HTML的推廣條款約束。
• 全新信用卡客戶現金套現分期計劃推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

Category or merchant does not match. • Audience: other; Document: 香港身份證或護照、合資格信用卡及載有合資格交易的收據；另須出示滙豐卓越理財尊尚客戶號碼 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 750000 • Merchants: landmark • Eligible merchants: landmark • 適用於滙豐卓越理財尊尚客戶。該客戶須在整個推廣期維持資格及有效、正常的戶口，並在登記期內以滙豐卓越理財信用卡於置地廣塲作港幣合資格簽賬，淨額達港幣750,000元；表列原有金額為港幣1,000,000元。須透過LANDMARK HONGKONG應用程式登記成為BESPOKE會員，並親身到指定禮賓服務處出示交易收據、身份證明及合資格卡，以及滙豐卓越理財尊尚客戶號碼。合資格簽賬淨額已扣除折扣、禮券及禮品卡；資格由Mastercard或收單銀行按商戶編號或交易類別判定。優惠不可兌換現金或其他產品、服務及折扣，不可與其他優惠同用或轉讓。銀行或置地廣塲可更改或取消推廣；欺詐或濫用可能導致資格取消或收回優惠。置地廣塲另有適用條款。 • 適用於滙豐Premier Elite客戶；須持有滙豐卓越理財尊尚Mastercard扣賬卡及／或滙豐Premier Mastercard。 • 置地廣塲指定累積合資格交易額須達港幣750,000元；頁面列出的原額為港幣1,000,000元。累積期未列明。 • 須親身到指定置地廣塲禮賓服務處登記。完整條款未載於本HTML。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: other · Document: 香港身份證或護照、合資格信用卡及載有合資格交易的收據；另須出示滙豐卓越理財尊尚客戶號碼
• Eligible spending: Applies to: landmark · Type: merchant
• Requirements: Period spend ≥: HK$750,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• 適用於滙豐卓越理財尊尚客戶。該客戶須在整個推廣期維持資格及有效、正常的戶口，並在登記期內以滙豐卓越理財信用卡於置地廣塲作港幣合資格簽賬，淨額達港幣750,000元；表列原有金額為港幣1,000,000元。須透過LANDMARK HONGKONG應用程式登記成為BESPOKE會員，並親身到指定禮賓服務處出示交易收據、身份證明及合資格卡，以及滙豐卓越理財尊尚客戶號碼。合資格簽賬淨額已扣除折扣、禮券及禮品卡；資格由Mastercard或收單銀行按商戶編號或交易類別判定。優惠不可兌換現金或其他產品、服務及折扣，不可與其他優惠同用或轉讓。銀行或置地廣塲可更改或取消推廣；欺詐或濫用可能導致資格取消或收回優惠。置地廣塲另有適用條款。
• 適用於滙豐Premier Elite客戶；須持有滙豐卓越理財尊尚Mastercard扣賬卡及／或滙豐Premier Mastercard。
• 置地廣塲指定累積合資格交易額須達港幣750,000元；頁面列出的原額為港幣1,000,000元。累積期未列明。
• 須親身到指定置地廣塲禮賓服務處登記。完整條款未載於本HTML。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。
• 推廣期；登記期至2027-03-31，禮遇期至2028-03-31: 2026-07-27 – 2028-03-31

Open source offer ↗

Category or merchant does not match. • Audience: other; Document: 香港身份證或護照、合資格信用卡及載有合資格交易的收據；另須出示滙豐卓越理財尊尚客戶號碼 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 375000 • Merchants: landmark • Eligible merchants: landmark • 適用於滙豐卓越理財尊尚客戶。該客戶須在整個推廣期維持資格及有效、正常的戶口，並在登記期內以滙豐卓越理財信用卡於置地廣塲作港幣合資格簽賬，淨額達港幣375,000元；表列原有金額為港幣500,000元。須透過LANDMARK HONGKONG應用程式登記成為BESPOKE會員，並親身到指定禮賓服務處出示交易收據、身份證明及合資格卡，以及滙豐卓越理財尊尚客戶號碼。合資格簽賬淨額已扣除折扣、禮券及禮品卡；資格由Mastercard或收單銀行按商戶編號或交易類別判定。優惠不可兌換現金或其他產品、服務及折扣，不可與其他優惠同用或轉讓。銀行或置地廣塲可更改或取消推廣；欺詐或濫用可能導致資格取消或收回優惠。置地廣塲另有適用條款。 • 適用於滙豐Premier Elite客戶；須持有滙豐卓越理財尊尚Mastercard扣賬卡及／或滙豐Premier Mastercard。 • 置地廣塲指定累積合資格交易額須達港幣375,000元；頁面列出的原額為港幣500,000元。累積期未列明。 • 須親身到指定置地廣塲禮賓服務處登記。完整條款未載於本HTML。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: other · Document: 香港身份證或護照、合資格信用卡及載有合資格交易的收據；另須出示滙豐卓越理財尊尚客戶號碼
• Eligible spending: Applies to: landmark · Type: merchant
• Requirements: Period spend ≥: HK$375,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• 適用於滙豐卓越理財尊尚客戶。該客戶須在整個推廣期維持資格及有效、正常的戶口，並在登記期內以滙豐卓越理財信用卡於置地廣塲作港幣合資格簽賬，淨額達港幣375,000元；表列原有金額為港幣500,000元。須透過LANDMARK HONGKONG應用程式登記成為BESPOKE會員，並親身到指定禮賓服務處出示交易收據、身份證明及合資格卡，以及滙豐卓越理財尊尚客戶號碼。合資格簽賬淨額已扣除折扣、禮券及禮品卡；資格由Mastercard或收單銀行按商戶編號或交易類別判定。優惠不可兌換現金或其他產品、服務及折扣，不可與其他優惠同用或轉讓。銀行或置地廣塲可更改或取消推廣；欺詐或濫用可能導致資格取消或收回優惠。置地廣塲另有適用條款。
• 適用於滙豐Premier Elite客戶；須持有滙豐卓越理財尊尚Mastercard扣賬卡及／或滙豐Premier Mastercard。
• 置地廣塲指定累積合資格交易額須達港幣375,000元；頁面列出的原額為港幣500,000元。累積期未列明。
• 須親身到指定置地廣塲禮賓服務處登記。完整條款未載於本HTML。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。
• 推廣期；登記期至2027-03-31，禮遇期至2028-03-31: 2026-07-27 – 2028-03-31

Open source offer ↗

Category or merchant does not match. • Audience: other; Document: 香港身份證或護照、合資格信用卡及載有合資格交易的收據 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 100000 • Merchants: landmark • Eligible merchants: landmark • 適用於滙豐卓越理財客戶，並須在整個推廣期維持該客戶資格及有效、正常的戶口。須於登記期內以滙豐卓越理財信用卡在置地廣塲作港幣合資格簽賬，淨額達港幣100,000元；表列原有金額為港幣150,000元。須透過LANDMARK HONGKONG應用程式登記成為BESPOKE會員，並親身到指定禮賓服務處出示交易收據、身份證明及合資格卡；置地廣塲稱會在符合要求後14個工作天內辦理登記。簽賬資格由Mastercard或收單銀行按商戶編號或交易類別判定，淨額已扣除折扣、禮券及禮品卡。優惠不可兌換現金或其他產品、服務及折扣，不可與其他優惠同用或轉讓。銀行或置地廣塲可更改或取消推廣；欺詐或濫用可能導致資格取消或收回優惠。置地廣塲另有適用條款。 • 適用於滙豐Premier客戶，並須持有滙豐Premier Mastercard。 • 置地廣塲累積合資格交易額須達港幣100,000元；頁面列出的原額為港幣150,000元。累積期未列明。 • 須親身到指定置地廣塲禮賓服務處登記。完整條款未載於本HTML。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: other · Document: 香港身份證或護照、合資格信用卡及載有合資格交易的收據
• Eligible spending: Applies to: landmark · Type: merchant
• Requirements: Period spend ≥: HK$100,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• 適用於滙豐卓越理財客戶，並須在整個推廣期維持該客戶資格及有效、正常的戶口。須於登記期內以滙豐卓越理財信用卡在置地廣塲作港幣合資格簽賬，淨額達港幣100,000元；表列原有金額為港幣150,000元。須透過LANDMARK HONGKONG應用程式登記成為BESPOKE會員，並親身到指定禮賓服務處出示交易收據、身份證明及合資格卡；置地廣塲稱會在符合要求後14個工作天內辦理登記。簽賬資格由Mastercard或收單銀行按商戶編號或交易類別判定，淨額已扣除折扣、禮券及禮品卡。優惠不可兌換現金或其他產品、服務及折扣，不可與其他優惠同用或轉讓。銀行或置地廣塲可更改或取消推廣；欺詐或濫用可能導致資格取消或收回優惠。置地廣塲另有適用條款。
• 適用於滙豐Premier客戶，並須持有滙豐Premier Mastercard。
• 置地廣塲累積合資格交易額須達港幣100,000元；頁面列出的原額為港幣150,000元。累積期未列明。
• 須親身到指定置地廣塲禮賓服務處登記。完整條款未載於本HTML。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。
• 推廣期；登記期至2027-03-31，禮遇期至2028-03-31: 2026-07-27 – 2028-03-31

Open source offer ↗

Category or merchant does not match. • Eligible categories: 其他 • 最高可享6倍「獎賞錢」；頁面稱回贈達2.4%，並列出港幣4.17元等於1里。 • 適用簽賬類別的名稱及其他限制未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• 最高可享6倍「獎賞錢」；頁面稱回贈達2.4%，並列出港幣4.17元等於1里。
• 適用簽賬類別的名稱及其他限制未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • Eligible categories: 保險 • 須向滙豐保險繳付指定保險計劃新保單的保費；適用保單及詳細條件未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 保險 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• 須向滙豐保險繳付指定保險計劃新保單的保費；適用保單及詳細條件未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • Eligible categories: 保險 • 須向滙豐保險繳付指定保險計劃新保單的保費；適用保單及詳細條件未在本HTML列明。 • 頁面將此禮品卡與最高港幣4,000元「獎賞錢」並列。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 保險 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• 須向滙豐保險繳付指定保險計劃新保單的保費；適用保單及詳細條件未在本HTML列明。
• 頁面將此禮品卡與最高港幣4,000元「獎賞錢」並列。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Eligible categories: 高級餐廳 • 適用於指定米芝蓮星級餐廳的午餐或晚餐套餐；餐廳名單及詳細條件未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 高級餐廳 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• 適用於指定米芝蓮星級餐廳的午餐或晚餐套餐；餐廳名單及詳細條件未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • 由米芝蓮廚師一對一服務；頁面沒有列出預訂或參加條件。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 由米芝蓮廚師一對一服務；頁面沒有列出預訂或參加條件。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • 由來源明確列出的折價比率計算：付款比率 88 折，即支付原價 88%；節省比率 = 100% - 88% = 12%。來源使用「低至」或「高達」，故保存為最高節省比率。 • Merchants: trip.com • Eligible merchants: trip.com • 適用於Trip.com全球酒店預訂；頁面描述優惠為低至88折。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: trip.com · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: 由來源明確列出的折價比率計算：付款比率 88 折，即支付原價 88%；節省比率 = 100% 88% = 12%。來源使用「低至」或「高達」，故保存為最高節省比率。
• 適用於Trip.com全球酒店預訂；頁面描述優惠為低至88折。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • Merchants: trip.com • Eligible merchants: trip.com • Trip.com機票預訂須達指定簽賬淨額；金額未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: trip.com · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Trip.com機票預訂須達指定簽賬淨額；金額未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • 由來源明確列出的折價比率計算：付款比率 98 折，即支付原價 98%；節省比率 = 100% - 98% = 2%。來源列出固定折價比率。 • Merchants: trip.com • Eligible merchants: trip.com • 適用於Trip.com機票及酒店套票預訂；頁面列明98折。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: trip.com · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: 由來源明確列出的折價比率計算：付款比率 98 折，即支付原價 98%；節省比率 = 100% 98% = 2%。來源列出固定折價比率。
• 適用於Trip.com機票及酒店套票預訂；頁面列明98折。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • 由來源明確列出的折價比率計算：付款比率 93 折，即支付原價 93%；節省比率 = 100% - 93% = 7%。來源列出固定折價比率。 • Merchants: trip.com • Eligible merchants: trip.com • 適用於Trip.com租車預訂；頁面列明93折。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: trip.com · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: 由來源明確列出的折價比率計算：付款比率 93 折，即支付原價 93%；節省比率 = 100% 93% = 7%。來源列出固定折價比率。
• 適用於Trip.com租車預訂；頁面列明93折。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Eligible categories: 的士／網約車／租車 • 單程往返指定機場的轎車服務價格為港幣250元或港幣350元；本HTML沒有說明各價格對應的機場或路線。 • 每位持卡人每季度可使用一次；指定機場清單及服務商未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。 • 來源明確列出HKD250或HKD350兩種單程服務價格，但沒有說明指定機場或路線與各價格的對應關係。 • 每位持卡人每季度可享用此優惠一次；季度限制保留在條件中，因cap週期欄位沒有季度選項。

• Eligibility: Audience: all
• Eligible spending: Applies to: 的士／網約車／租車 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• 單程往返指定機場的轎車服務價格為港幣250元或港幣350元；本HTML沒有說明各價格對應的機場或路線。
• 每位持卡人每季度可使用一次；指定機場清單及服務商未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。
• 來源明確列出HKD250或HKD350兩種單程服務價格，但沒有說明指定機場或路線與各價格的對應關係。
• 每位持卡人每季度可享用此優惠一次；季度限制保留在條件中，因cap週期欄位沒有季度選項。

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Eligible categories: 的士／網約車／租車 • 單程往返指定機場的轎車服務價格為港幣250元或港幣350元；本HTML沒有說明各價格對應的機場或路線。 • 每位持卡人每季度可使用一次；指定機場清單及服務商未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。 • 來源明確列出HKD250或HKD350兩種單程服務價格，但沒有說明指定機場或路線與各價格的對應關係。 • 每位持卡人每季度可享用此優惠一次；季度限制保留在條件中，因cap週期欄位沒有季度選項。

• Eligibility: Audience: all
• Eligible spending: Applies to: 的士／網約車／租車 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• 單程往返指定機場的轎車服務價格為港幣250元或港幣350元；本HTML沒有說明各價格對應的機場或路線。
• 每位持卡人每季度可使用一次；指定機場清單及服務商未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。
• 來源明確列出HKD250或HKD350兩種單程服務價格，但沒有說明指定機場或路線與各價格的對應關係。
• 每位持卡人每季度可享用此優惠一次；季度限制保留在條件中，因cap週期欄位沒有季度選項。

Open source offer ↗

Category or merchant does not match. • Merchants: flexiroam-x • Eligible merchants: flexiroam-x • 在Flexiroam X手機應用程式免費兌換。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: flexiroam x · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• 在Flexiroam X手機應用程式免費兌換。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • 由來源明確列出的折價比率計算：付款比率 85 折，即支付原價 85%；節省比率 = 100% - 85% = 15%。來源列出固定折價比率。 • Merchants: flexiroam-x • Eligible merchants: flexiroam-x • 適用於Flexiroam X後續數據計劃。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: flexiroam x · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: 由來源明確列出的折價比率計算：付款比率 85 折，即支付原價 85%；節省比率 = 100% 85% = 15%。來源列出固定折價比率。
• 適用於Flexiroam X後續數據計劃。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • 航班延誤須達120分鐘或以上；服務為「延航無憂」，並限指定貴賓候機室。指定地點及完整條件未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 航班延誤須達120分鐘或以上；服務為「延航無憂」，並限指定貴賓候機室。指定地點及完整條件未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • 與指定環球升學支援課程優惠一同列出；服務內容及預約條件未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 與指定環球升學支援課程優惠一同列出；服務內容及預約條件未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Audience: other • Application, registration or activation required. See conditions. • Eligible categories: 教育 • 適用於海外照顧監護服務的新生註冊費。頁面沒有列出豁免金額。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: other
• Eligible spending: Applies to: 教育 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• 適用於海外照顧監護服務的新生註冊費。頁面沒有列出豁免金額。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Audience: other • Eligible categories: 教育 • 適用於滙豐卓越理財客戶使用海外照顧監護服務。 • 頁面另列Premier Mastercard付款可享英鎊195元優惠；本優惠與該卡付款優惠視為互斥選項。

• Eligibility: Audience: other
• Eligible spending: Applies to: 教育 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• 適用於滙豐卓越理財客戶使用海外照顧監護服務。
• 頁面另列Premier Mastercard付款可享英鎊195元優惠；本優惠與該卡付款優惠視為互斥選項。

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Audience: other • Application, registration or activation required. See conditions. • Eligible categories: 教育 • 須使用HSBC Premier Mastercard付款。 • 須輸入信用卡首6位數字作為優惠碼。 • 頁面另列Premier客戶一般可享英鎊100元優惠；本卡優惠與該優惠視為互斥選項。

• Eligibility: Audience: other
• Eligible spending: Applies to: 教育 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• 須使用HSBC Premier Mastercard付款。
• 須輸入信用卡首6位數字作為優惠碼。
• 頁面另列Premier客戶一般可享英鎊100元優惠；本卡優惠與該優惠視為互斥選項。

Open source offer ↗

This benefit does not apply to a purchase. • 保障條款、索償條件及期間未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 保障條款、索償條件及期間未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • 保障條款、合資格購物及索償條件未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 保障條款、合資格購物及索償條件未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • 由來源明確列出的折價比率計算：付款比率 80 折，即支付原價 80%；節省比率 = 100% - 80% = 20%。來源使用「低至」或「高達」，故保存為最高節省比率。 • Eligible categories: 醫療服務 • 須在指定私家醫院使用「二人同行」升級優惠；醫院名單及詳細條件未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 醫療服務 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: 由來源明確列出的折價比率計算：付款比率 80 折，即支付原價 80%；節省比率 = 100% 80% = 20%。來源使用「低至」或「高達」，故保存為最高節省比率。
• The complete list of eligible merchants is not available.
• 須在指定私家醫院使用「二人同行」升級優惠；醫院名單及詳細條件未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Category or merchant does not match. • Eligible categories: 醫療服務 • 頁面列出身體檢查、疫苗接種、激光及眼科保健、中醫等服務類別；各項折扣值和供應商未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 醫療服務 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• 頁面列出身體檢查、疫苗接種、激光及眼科保健、中醫等服務類別；各項折扣值和供應商未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Eligible categories: 醫療服務 • 須預約指定香港私家醫院的健康檢查計劃；醫院名單及折扣值未在本HTML列明。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Applies to: 醫療服務 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• 須預約指定香港私家醫院的健康檢查計劃；醫院名單及折扣值未在本HTML列明。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • 滙豐卓越理財Mastercard主卡及附屬卡年費永久豁免。迎新條款另述同一申請表成功申請的合資格卡及附屬卡可享永久年費豁免。來源沒有列出此卡原本的年費金額。 • 持卡人毋須消費指定金額，可自動享永久年費豁免；附屬卡同享豁免。 • 申請時須提供滙豐卓越理財綜合理財戶口號碼。申請信用卡毋須額外付費。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 滙豐卓越理財Mastercard主卡及附屬卡年費永久豁免。迎新條款另述同一申請表成功申請的合資格卡及附屬卡可享永久年費豁免。來源沒有列出此卡原本的年費金額。
• 持卡人毋須消費指定金額，可自動享永久年費豁免；附屬卡同享豁免。
• 申請時須提供滙豐卓越理財綜合理財戶口號碼。申請信用卡毋須額外付費。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • 只適用於以電子方式申請並獲批的信用卡；須啟用虛擬卡後才可使用手機錢包。 • 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• 只適用於以電子方式申請並獲批的信用卡；須啟用虛擬卡後才可使用手機錢包。
• 滙豐卓越理財信用卡只限滙豐卓越理財客戶申請；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HKD600 / HKD8,000 minimum eligible spend × 100 = 7.5% (one decimal place). The welcome table header lists HKD/RMB, but clause 8 limits RMB qualifying spend to HSBC Pulse UnionPay Dual Currency Diamond and HSBC UnionPay Dual Currency cards; this calculation uses the HKD8,000 path for this Premier Mastercard. The effective rate decreases above the HKD8,000 minimum. The reward remains a fixed HKD600. • Limit: 1 items · Promotion Total • Limit applies to: 每名合資格持卡人的迎新獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • 適用於新信用卡客戶成功申請及獲批的滙豐卓越理財信用卡基本卡。新客戶須在處理申請時沒有滙豐已批核的個人信用卡基本卡。此HK$600獎賞錢與指定網上申請渠道的HK$800選項屬同一迎新推廣的替代獎賞。須於發卡後首60個曆日內累積港幣8,000元或以上合資格簽賬；簽賬須為淨額並已誌賬。戶口在整個推廣期及獲享獎賞時須有效且信用狀況良好；申請人不得在批核前12個月內取消滙豐個人基本卡，亦不得為附屬卡申請人。獎賞錢會在完成簽賬要求後兩個月內入賬。每人只可獲享一次；不得兌換現金、貨品、服務或折扣，亦不得轉讓。排除年費、財務及逾期費用、附屬卡簽賬、郵購及電話訂購、網上理財繳費、儲值卡或電子錢包交易及增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、博彩、繳稅、自動轉賬、循環付款、未誌賬、取消或退款交易。若另享其他推廣，滙豐可決定只提供一項推廣優惠，除非另有說明。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Amount: 1 · Applies to: 每名合資格持卡人的迎新獎賞 · Period: promotion total · Type: limited · Unit: items
• Percentage note: Threshold equivalent calculation: HKD600 / HKD8,000 minimum eligible spend × 100 = 7.5% (one decimal place). The welcome table header lists HKD/RMB, but clause 8 limits RMB qualifying spend to HSBC Pulse UnionPay Dual Currency Diamond and HSBC UnionPay Dual Currency cards; this calculation uses the HKD8,000 path for this Premier Mastercard. The effective rate decreases above the HKD8,000 minimum. The reward remains a fixed HKD600.
• Application or registration is required.
• 適用於新信用卡客戶成功申請及獲批的滙豐卓越理財信用卡基本卡。新客戶須在處理申請時沒有滙豐已批核的個人信用卡基本卡。此HK$600獎賞錢與指定網上申請渠道的HK$800選項屬同一迎新推廣的替代獎賞。須於發卡後首60個曆日內累積港幣8,000元或以上合資格簽賬；簽賬須為淨額並已誌賬。戶口在整個推廣期及獲享獎賞時須有效且信用狀況良好；申請人不得在批核前12個月內取消滙豐個人基本卡，亦不得為附屬卡申請人。獎賞錢會在完成簽賬要求後兩個月內入賬。每人只可獲享一次；不得兌換現金、貨品、服務或折扣，亦不得轉讓。排除年費、財務及逾期費用、附屬卡簽賬、郵購及電話訂購、網上理財繳費、儲值卡或電子錢包交易及增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、博彩、繳稅、自動轉賬、循環付款、未誌賬、取消或退款交易。若另享其他推廣，滙豐可決定只提供一項推廣優惠，除非另有說明。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。
• 滙豐信用卡迎新推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Customer: Existing customer • Threshold-equivalent calculation: HKD200 / HKD8,000 minimum eligible spend × 100 = 2.5% (one decimal place). The welcome table header lists HKD/RMB, but clause 8 limits RMB qualifying spend to HSBC Pulse UnionPay Dual Currency Diamond and HSBC UnionPay Dual Currency cards; this calculation uses the HKD8,000 path for this Premier Mastercard. The effective rate decreases above the HKD8,000 minimum. The reward remains a fixed HKD200. • Limit: 1 items · Promotion Total • Limit applies to: 每名合資格持卡人的迎新獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • 適用於現有信用卡客戶成功申請及獲批的滙豐卓越理財信用卡基本卡。現有客戶指處理申請時已有滙豐已批核的個人信用卡基本卡。須於發卡後首60個曆日內累積港幣8,000元或以上合資格簽賬；簽賬須為淨額並已誌賬。戶口在整個推廣期及獲享獎賞時須有效且信用狀況良好；申請人不得在批核前12個月內取消滙豐個人基本卡，亦不得為附屬卡申請人。獎賞錢會在完成簽賬要求後兩個月內入賬。每人只可獲享一次；不得兌換現金、貨品、服務或折扣，亦不得轉讓。排除年費、財務及逾期費用、附屬卡簽賬、郵購及電話訂購、網上理財繳費、儲值卡或電子錢包交易及增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、博彩、繳稅、自動轉賬、循環付款、未誌賬、取消或退款交易。若另享其他推廣，滙豐可決定只提供一項推廣優惠，除非另有說明。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Amount: 1 · Applies to: 每名合資格持卡人的迎新獎賞 · Period: promotion total · Type: limited · Unit: items
• Percentage note: Threshold equivalent calculation: HKD200 / HKD8,000 minimum eligible spend × 100 = 2.5% (one decimal place). The welcome table header lists HKD/RMB, but clause 8 limits RMB qualifying spend to HSBC Pulse UnionPay Dual Currency Diamond and HSBC UnionPay Dual Currency cards; this calculation uses the HKD8,000 path for this Premier Mastercard. The effective rate decreases above the HKD8,000 minimum. The reward remains a fixed HKD200.
• Application or registration is required.
• 適用於現有信用卡客戶成功申請及獲批的滙豐卓越理財信用卡基本卡。現有客戶指處理申請時已有滙豐已批核的個人信用卡基本卡。須於發卡後首60個曆日內累積港幣8,000元或以上合資格簽賬；簽賬須為淨額並已誌賬。戶口在整個推廣期及獲享獎賞時須有效且信用狀況良好；申請人不得在批核前12個月內取消滙豐個人基本卡，亦不得為附屬卡申請人。獎賞錢會在完成簽賬要求後兩個月內入賬。每人只可獲享一次；不得兌換現金、貨品、服務或折扣，亦不得轉讓。排除年費、財務及逾期費用、附屬卡簽賬、郵購及電話訂購、網上理財繳費、儲值卡或電子錢包交易及增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、博彩、繳稅、自動轉賬、循環付款、未誌賬、取消或退款交易。若另享其他推廣，滙豐可決定只提供一項推廣優惠，除非另有說明。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。
• 滙豐信用卡迎新推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

This benefit does not apply to a purchase. • 如滙豐卓越理財信用卡因遺失或失竊而須在到期日前補發，銀行不收取補發新卡費；來源沒有列出原本的補發費金額。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 如滙豐卓越理財信用卡因遺失或失竊而須在到期日前補發，銀行不收取補發新卡費；來源沒有列出原本的補發費金額。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • 適用於零售簽賬。只有在每月到期日或之前全數繳清結欠，銀行才不收取利息；否則，未付結欠及新交易會從相應結單日或交易日起按日計息。來源只述「長達56日」，沒有說明每筆交易的實際免息日數。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• 適用於零售簽賬。只有在每月到期日或之前全數繳清結欠，銀行才不收取利息；否則，未付結欠及新交易會從相應結單日或交易日起按日計息。來源只述「長達56日」，沒有說明每筆交易的實際免息日數。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

Open source offer ↗

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • 適用於個人信用卡主卡或附屬卡持卡人，但不適用於美元Visa Gold、大學生信用卡、私人品牌卡、銀聯雙幣卡或銀聯雙幣鑽石卡。只可向銀行及商戶同意的指定商戶購買商品或服務，並須獲銀行批核；銀行可按可用信用額及其他情況拒批。銀行每月從信用卡戶口扣取分期金額，計劃總額會暫時降低可用信用額。不得取消或更改訂單、退換商品或更改供款額或期數；可提早清還全部未償款項。已繳供款不退還。信用卡在供款期內被取消或終止時，未繳總額即時到期。 • 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• 適用於個人信用卡主卡或附屬卡持卡人，但不適用於美元Visa Gold、大學生信用卡、私人品牌卡、銀聯雙幣卡或銀聯雙幣鑽石卡。只可向銀行及商戶同意的指定商戶購買商品或服務，並須獲銀行批核；銀行可按可用信用額及其他情況拒批。銀行每月從信用卡戶口扣取分期金額，計劃總額會暫時降低可用信用額。不得取消或更改訂單、退換商品或更改供款額或期數；可提早清還全部未償款項。已繳供款不退還。信用卡在供款期內被取消或終止時，未繳總額即時到期。
• 只限滙豐卓越理財客戶；須保持全面理財總值港幣1,000,000元或以上。
• 免息商戶分期付款計劃條款的生效日期: 2023-01-15 – Not stated

Open source offer ↗

Category or merchant does not match. • Limit: 150 HKD · Per Month • Limit applies to: Combined extra cashback for Overseas and Online Spending and Chill Merchant offers • Eligible categories: 海外簽賬, 網上購物, 手機支付 • T • h • e • • p • r • o • m • o • t • i • o • n • • r • u • n • s • • u • n • t • i • l • • 3 • 1 • • D • e • c • e • m • b • e • r • • 2 • 0 • 2 • 6 • , • • b • a • s • e • d • • o • n • • t • r • a • n • s • a • c • t • i • o • n • • d • a • t • e • . • • E • l • i • g • i • b • l • e • • o • v • e • r • s • e • a • s • • r • e • t • a • i • l • • s • p • e • n • d • i • n • g • • m • u • s • t • • b • e • • m • a • d • e • • a • t • • o • v • e • r • s • e • a • s • • m • e • r • c • h • a • n • t • s • • a • n • d • • s • e • t • t • l • e • d • • i • n • • f • o • r • e • i • g • n • • c • u • r • r • e • n • c • y • ; • • f • o • r • e • i • g • n • - • c • u • r • r • e • n • c • y • • t • r • a • n • s • a • c • t • i • o • n • s • • s • e • t • t • l • e • d • • i • n • • H • o • n • g • • K • o • n • g • • d • o • l • l • a • r • s • • a • r • e • • e • x • c • l • u • d • e • d • . • • E • l • i • g • i • b • l • e • • o • n • l • i • n • e • • s • p • e • n • d • i • n • g • • m • a • y • • b • e • • l • o • c • a • l • • o • r • • o • v • e • r • s • e • a • s • ; • • t • h • e • • a • m • o • u • n • t • • i • s • • t • h • e • • H • o • n • g • • K • o • n • g • • d • o • l • l • a • r • • a • m • o • u • n • t • • p • o • s • t • e • d • • a • f • t • e • r • • c • o • n • v • e • r • s • i • o • n • . • • T • h • e • • 4 • % • • a • d • v • e • r • t • i • s • e • d • • t • o • t • a • l • • i • n • c • l • u • d • e • s • • 1 • • G • i • f • t • • P • o • i • n • t • • p • e • r • • H • K • $ • 1 • • ( • s • t • a • t • e • d • • a • s • • e • q • u • i • v • a • l • e • n • t • • t • o • • 0 • . • 4 • % • • c • a • s • h • • r • e • b • a • t • e • ) • • a • n • d • • t • h • i • s • • e • x • t • r • a • • 3 • . • 6 • % • ; • • d • o • • n • o • t • • c • o • u • n • t • • 4 • % • • a • s • • a • n • o • t • h • e • r • • o • f • f • e • r • . • • R • e • b • a • t • e • • i • s • • b • a • s • e • d • • o • n • • n • e • t • • s • p • e • n • d • i • n • g • . • • E • l • i • g • i • b • l • e • • t • r • a • n • s • a • c • t • i • o • n • s • • m • u • s • t • • p • o • s • t • • w • i • t • h • i • n • • 7 • • d • a • y • s • . • • S • u • p • p • l • e • m • e • n • t • a • r • y • - • c • a • r • d • • s • p • e • n • d • i • n • g • • i • s • • c • o • m • b • i • n • e • d • . • • T • h • e • • a • c • c • o • u • n • t • • m • u • s • t • • r • e • m • a • i • n • • v • a • l • i • d • • a • n • d • • i • n • • g • o • o • d • • s • t • a • n • d • i • n • g • . • • E • - • w • a • l • l • e • t • s • , • • b • i • l • l • • p • a • y • m • e • n • t • s • , • • i • n • s • t • a • l • m • e • n • t • s • , • • a • n • n • u • a • l • • f • e • e • s • , • • f • i • n • a • n • c • e • • c • h • a • r • g • e • s • , • • a • n • d • • o • t • h • e • r • • l • i • s • t • e • d • • e • x • c • l • u • d • e • d • • t • r • a • n • s • a • c • t • i • o • n • s • • d • o • • n • o • t • • q • u • a • l • i • f • y • . • • T • h • e • • c • o • m • b • i • n • e • d • • e • x • t • r • a • • c • a • s • h • • r • e • b • a • t • e • • c • a • p • • a • n • d • • h • i • g • h • e • r • - • r • a • t • e • • r • u • l • e • • a • p • p • l • y • • w • h • e • n • • a • • t • r • a • n • s • a • c • t • i • o • n • • a • l • s • o • • q • u • a • l • i • f • i • e • s • • f • o • r • • t • h • e • • C • h • i • l • l • • M • e • r • c • h • a • n • t • • o • f • f • e • r • . • • L • o • c • a • l • • c • o • n • t • a • c • t • l • e • s • s • • m • o • b • i • l • e • • p • a • y • m • e • n • t • s • • a • r • e • • a • l • s • o • • i • n • c • l • u • d • e • d • • i • n • • t • h • i • s • • P • l • a • t • i • n • u • m • • 3 • . • 6 • % • • s • c • o • p • e • • u • n • d • e • r • • t • h • e • • m • a • t • c • h • i • n • g • • a • d • m • i • n • • c • l • a • r • i • f • i • c • a • t • i • o • n • .

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 / 網上購物 / 手機支付 · Type: category
• Benefit limit: Amount: 150 · Applies to: Combined extra cashback for Overseas and Online Spending and Chill Merchant offers · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The promotion runs until 31 December 2026, based on transaction date. Eligible overseas retail spending must be made at overseas merchants and settled in foreign currency; foreign-currency transactions settled in Hong Kong dollars are excluded. Eligible online spending may be local or overseas; the amount is the Hong Kong dollar amount posted after conversion. The 4% advertised total includes 1 Gift Point per HK$1 (stated as equivalent to 0.4% cash rebate) and this extra 3.6%; do not count 4% as another offer. Rebate is based on net spending. Eligible transactions must post within 7 days. Supplementary-card spending is combined. The account must remain valid and in good standing. E-wallets, bill payments, instalments, annual fees, finance charges, and other listed excluded transactions do not qualify. The combined extra cash rebate cap and higher-rate rule apply when a transaction also qualifies for the Chill Merchant offer. Local contactless mobile payments are also included in this Platinum 3.6% scope under the matching admin clarification.
• Eligible transaction date: Now – 2026-12-31

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit: 150 HKD · Per Month • Limit applies to: Combined extra cashback for Overseas and Online Spending and Chill Merchant offers • Eligibility: Phase Spend Min: 1000 • Eligible categories: 其他 • T • h • e • • p • r • o • m • o • t • i • o • n • • r • u • n • s • • u • n • t • i • l • • 3 • 1 • • D • e • c • e • m • b • e • r • • 2 • 0 • 2 • 6 • , • • b • a • s • e • d • • o • n • • t • r • a • n • s • a • c • t • i • o • n • • d • a • t • e • . • • I • n • • e • a • c • h • • c • a • l • e • n • d • a • r • • m • o • n • t • h • , • • t • h • e • • c • a • r • d • h • o • l • d • e • r • • m • u • s • t • • a • c • c • u • m • u • l • a • t • e • • e • l • i • g • i • b • l • e • • s • p • e • n • d • i • n • g • • o • f • • H • K • $ • 1 • , • 0 • 0 • 0 • • o • r • • a • b • o • v • e • • w • i • t • h • • p • h • y • s • i • c • a • l • • c • a • r • d • s • • o • r • • m • o • b • i • l • e • • p • a • y • m • e • n • t • s • • a • t • • l • o • c • a • l • • o • r • • o • v • e • r • s • e • a • s • • p • h • y • s • i • c • a • l • • m • e • r • c • h • a • n • t • s • . • • T • h • e • • e • x • t • r • a • • 7 • . • 6 • % • • a • p • p • l • i • e • s • • t • o • • e • l • i • g • i • b • l • e • • t • r • a • n • s • a • c • t • i • o • n • s • • a • t • • s • e • l • e • c • t • e • d • • l • o • c • a • l • • a • n • d • • o • n • l • i • n • e • • C • h • i • l • l • • M • e • r • c • h • a • n • t • s • . • • T • h • e • • a • d • v • e • r • t • i • s • e • d • • 8 • % • • t • o • t • a • l • • i • n • c • l • u • d • e • s • • t • h • e • • s • e • p • a • r • a • t • e • • 1 • • G • i • f • t • • P • o • i • n • t • • p • e • r • • H • K • $ • 1 • • r • e • w • a • r • d • • ( • e • q • u • i • v • a • l • e • n • t • • t • o • • 0 • . • 4 • % • • c • a • s • h • • r • e • b • a • t • e • ) • ; • • d • o • • n • o • t • • c • o • u • n • t • • 8 • % • • a • s • • a • n • o • t • h • e • r • • o • f • f • e • r • . • • E • - • w • a • l • l • e • t • • t • r • a • n • s • a • c • t • i • o • n • s • • a • t • • d • e • s • i • g • n • a • t • e • d • • m • e • r • c • h • a • n • t • s • • a • r • e • • n • o • t • • e • l • i • g • i • b • l • e • . • • T • h • e • • C • o • m • p • a • n • y • • d • e • t • e • r • m • i • n • e • s • • e • l • i • g • i • b • l • e • • t • r • a • n • s • a • c • t • i • o • n • s • • a • n • d • • m • e • r • c • h • a • n • t • • c • o • d • e • s • . • • T • h • e • • c • o • m • p • l • e • t • e • • m • e • r • c • h • a • n • t • • l • i • s • t • • i • s • • n • o • t • • i • n • • t • h • e • • r • e • t • a • i • n • e • d • • f • i • l • e • s • . • • T • h • e • • c • o • m • b • i • n • e • d • • e • x • t • r • a • • c • a • s • h • b • a • c • k • • c • a • p • • i • s • • H • K • $ • 1 • 5 • 0 • • p • e • r • • c • a • l • e • n • d • a • r • • m • o • n • t • h • ; • • w • h • e • r • e • • b • o • t • h • • t • h • i • s • • o • f • f • e • r • • a • n • d • • t • h • e • • O • v • e • r • s • e • a • s • • a • n • d • • O • n • l • i • n • e • • o • f • f • e • r • • a • p • p • l • y • , • • t • h • e • • h • i • g • h • e • r • • r • e • b • a • t • e • • r • a • t • i • o • • i • s • • u • s • e • d • . • • G • e • n • e • r • a • l • • t • r • a • n • s • a • c • t • i • o • n • • e • x • c • l • u • s • i • o • n • s • , • • p • o • s • t • i • n • g • , • • n • e • t • - • s • p • e • n • d • , • • a • n • d • • a • c • c • o • u • n • t • - • g • o • o • d • - • s • t • a • n • d • i • n • g • • t • e • r • m • s • • a • l • s • o • • a • p • p • l • y • .

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 150 · Applies to: Combined extra cashback for Overseas and Online Spending and Chill Merchant offers · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The complete list of eligible merchants is not available.
• The promotion runs until 31 December 2026, based on transaction date. In each calendar month, the cardholder must accumulate eligible spending of HK$1,000 or above with physical cards or mobile payments at local or overseas physical merchants. The extra 7.6% applies to eligible transactions at selected local and online Chill Merchants. The advertised 8% total includes the separate 1 Gift Point per HK$1 reward (equivalent to 0.4% cash rebate); do not count 8% as another offer. E-wallet transactions at designated merchants are not eligible. The Company determines eligible transactions and merchant codes. The complete merchant list is not in the retained files. The combined extra cashback cap is HK$150 per calendar month; where both this offer and the Overseas and Online offer apply, the higher rebate ratio is used. General transaction exclusions, posting, net-spend, and account-good-standing terms also apply.
• Eligible transaction date: Now – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HK$300 ÷ HK$3000 × 100 = 10%. No rounding is required. This is the effective rate at the minimum qualifying spend; it decreases when eligible spending exceeds HK$3000 because the rebate amount is fixed. • Limit applies to: Not stated by source • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • T • h • e • • w • e • l • c • o • m • e • • o • f • f • e • r • • i • s • • o • n • l • y • • f • o • r • • B • O • C • • C • h • i • l • l • • P • l • a • t • i • n • u • m • • M • a • s • t • e • r • c • a • r • d • • a • p • p • l • i • c • a • t • i • o • n • s • • a • p • p • r • o • v • e • d • • i • n • • H • o • n • g • • K • o • n • g • • d • u • r • i • n • g • • t • h • e • • P • r • o • m • o • t • i • o • n • • P • e • r • i • o • d • . • • T • h • e • • c • a • r • d • h • o • l • d • e • r • • m • u • s • t • • a • c • t • i • v • a • t • e • • t • h • e • • c • a • r • d • • a • n • d • • a • c • c • u • m • u • l • a • t • e • • e • l • i • g • i • b • l • e • • t • r • a • n • s • a • c • t • i • o • n • s • • o • f • • H • K • $ • 3 • , • 0 • 0 • 0 • • o • r • • m • o • r • e • • w • i • t • h • i • n • • t • h • e • • f • i • r • s • t • • m • o • n • t • h • • a • n • d • • f • o • l • l • o • w • i • n • g • • t • w • o • • c • a • l • e • n • d • a • r • • m • o • n • t • h • s • • o • f • • c • a • r • d • • i • s • s • u • a • n • c • e • . • • E • l • i • g • i • b • l • e • • t • r • a • n • s • a • c • t • i • o • n • s • • i • n • c • l • u • d • e • • r • e • t • a • i • l • • s • p • e • n • d • i • n • g • • a • n • d • , • • w • h • e • r • e • • a • p • p • l • i • c • a • b • l • e • , • • m • o • b • i • l • e • • p • a • y • m • e • n • t • s • ; • • t • r • a • n • s • a • c • t • i • o • n • s • • m • u • s • t • • p • o • s • t • • w • i • t • h • i • n • • 7 • • d • a • y • s • . • • S • u • p • p • l • e • m • e • n • t • a • r • y • - • c • a • r • d • • s • p • e • n • d • i • n • g • • i • s • • c • o • m • b • i • n • e • d • . • • E • x • i • s • t • i • n • g • • m • a • i • n • • c • a • r • d • h • o • l • d • e • r • s • • o • f • • B • O • C • • C • r • e • d • i • t • • C • a • r • d • • o • r • • B • O • C • • D • u • a • l • • C • u • r • r • e • n • c • y • • C • r • e • d • i • t • • C • a • r • d • , • • s • t • a • f • f • , • • a • n • d • • a • p • p • l • i • c • a • n • t • s • • w • h • o • • c • a • n • c • e • l • l • e • d • • o • r • • h • e • l • d • • t • h • e • • e • x • c • l • u • d • e • d • • c • a • r • d • s • • i • n • • t • h • e • • 1 • 2 • • m • o • n • t • h • s • • b • e • f • o • r • e • • a • p • p • l • i • c • a • t • i • o • n • • a • r • e • • n • o • t • • e • l • i • g • i • b • l • e • . • • A • d • d • i • t • i • o • n • a • l • , • • s • u • p • p • l • e • m • e • n • t • a • r • y • , • • b • u • s • i • n • e • s • s • , • • c • o • m • m • e • r • c • i • a • l • , • • v • i • r • t • u • a • l • , • • U • S • • d • o • l • l • a • r • , • • M • a • c • a • u • - • i • s • s • u • e • d • , • • a • n • d • • p • r • i • v • a • t • e • - • l • a • b • e • l • • c • a • r • d • s • • a • r • e • • e • x • c • l • u • d • e • d • . • • T • h • e • • a • c • c • o • u • n • t • • m • u • s • t • • r • e • m • a • i • n • • n • o • r • m • a • l • , • • v • a • l • i • d • , • • a • n • d • • i • n • • g • o • o • d • • s • t • a • n • d • i • n • g • . • • T • h • e • • r • e • b • a • t • e • • i • s • • c • r • e • d • i • t • e • d • • w • i • t • h • i • n • • t • h • e • • f • o • u • r • • c • a • l • e • n • d • a • r • • m • o • n • t • h • s • • a • f • t • e • r • • t • h • e • • c • a • r • d • - • i • s • s • u • a • n • c • e • • m • o • n • t • h • . • • I • f • • m • u • l • t • i • p • l • e • • c • a • r • d • s • • a • r • e • • a • p • p • r • o • v • e • d • , • • o • n • l • y • • o • n • e • • w • e • l • c • o • m • e • • g • i • f • t • • i • s • • p • r • o • v • i • d • e • d • .

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• Percentage note: HK$300 ÷ HK$3000 × 100 = 10%. No rounding is required. This is the effective rate at the minimum qualifying spend; it decreases when eligible spending exceeds HK$3000 because the rebate amount is fixed.
• Application or registration is required.
• The welcome offer is only for BOC Chill Platinum Mastercard applications approved in Hong Kong during the Promotion Period. The cardholder must activate the card and accumulate eligible transactions of HK$3,000 or more within the first month and following two calendar months of card issuance. Eligible transactions include retail spending and, where applicable, mobile payments; transactions must post within 7 days. Supplementary-card spending is combined. Existing main cardholders of BOC Credit Card or BOC Dual Currency Credit Card, staff, and applicants who cancelled or held the excluded cards in the 12 months before application are not eligible. Additional, supplementary, business, commercial, virtual, US dollar, Macau-issued, and private-label cards are excluded. The account must remain normal, valid, and in good standing. The rebate is credited within the four calendar months after the card-issuance month. If multiple cards are approved, only one welcome gift is provided.
• Eligible card application approval date: Now – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HK$300 ÷ HK$3000 × 100 = 10%. No rounding is required. This is the effective rate at the minimum qualifying spend; it decreases when eligible spending exceeds HK$3000 because the rebate amount is fixed. • Limit applies to: Not stated by source • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • T • h • i • s • • i • s • • a • n • • e • x • t • r • a • • w • e • l • c • o • m • e • • r • e • b • a • t • e • • o • n • • t • o • p • • o • f • • t • h • e • • s • e • p • a • r • a • t • e • • H • K • $ • 3 • 0 • 0 • • P • l • a • t • i • n • u • m • • w • e • l • c • o • m • e • • o • f • f • e • r • ; • • d • o • • n • o • t • • m • e • r • g • e • • t • h • e • • t • w • o • • a • m • o • u • n • t • s • • o • r • • s • t • o • r • e • • H • K • $ • 6 • 0 • 0 • • a • s • • a • n • • a • d • d • i • t • i • o • n • a • l • • o • f • f • e • r • . • • T • h • e • • a • p • p • l • i • c • a • t • i • o • n • • m • u • s • t • • b • e • • m • a • d • e • • t • h • r • o • u • g • h • • t • h • e • • d • e • s • i • g • n • a • t • e • d • • p • r • o • m • o • t • i • o • n • • l • i • n • k • , • • o • r • • b • y • • a • • f • u • l • l • - • t • i • m • e • • s • t • u • d • e • n • t • • o • f • • a • • l • o • c • a • l • • u • n • i • v • e • r • s • i • t • y • • a • t • • a • • B • a • n • k • • o • f • • C • h • i • n • a • • ( • H • o • n • g • • K • o • n • g • ) • • b • r • a • n • c • h • . • • T • h • e • • a • p • p • l • i • c • a • n • t • • m • u • s • t • • n • o • t • • h • a • v • e • • c • a • n • c • e • l • l • e • d • • o • r • • h • e • l • d • • a • • B • O • C • • C • r • e • d • i • t • • C • a • r • d • • i • n • • t • h • e • • 1 • 2 • • m • o • n • t • h • s • • b • e • f • o • r • e • • a • p • p • l • i • c • a • t • i • o • n • . • • T • h • e • • c • a • r • d • • a • p • p • l • i • c • a • t • i • o • n • • m • u • s • t • • b • e • • a • p • p • r • o • v • e • d • • d • u • r • i • n • g • • t • h • e • • P • r • o • m • o • t • i • o • n • • P • e • r • i • o • d • • a • n • d • • t • h • e • • a • p • p • l • i • c • a • n • t • • m • u • s • t • • m • e • e • t • • t • h • e • • H • K • $ • 3 • , • 0 • 0 • 0 • • s • p • e • n • d • i • n • g • • r • e • q • u • i • r • e • m • e • n • t • • f • o • r • • t • h • e • • B • O • C • • C • h • i • l • l • • P • l • a • t • i • n • u • m • • M • a • s • t • e • r • c • a • r • d • • W • e • l • c • o • m • e • • O • f • f • e • r • . • • R • e • b • a • t • e • • i • s • • c • r • e • d • i • t • e • d • • b • y • • 3 • 0 • • J • u • n • e • • 2 • 0 • 2 • 7 • . • • T • h • e • • a • c • c • o • u • n • t • • m • u • s • t • • r • e • m • a • i • n • • n • o • r • m • a • l • , • • v • a • l • i • d • , • • a • n • d • • i • n • • g • o • o • d • • s • t • a • n • d • i • n • g • . • • T • h • e • • r • e • b • a • t • e • • c • a • n • n • o • t • • b • e • • c • o • n • v • e • r • t • e • d • • t • o • • c • a • s • h • • o • r • • t • r • a • n • s • f • e • r • r • e • d • .

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• Percentage note: HK$300 ÷ HK$3000 × 100 = 10%. No rounding is required. This is the effective rate at the minimum qualifying spend; it decreases when eligible spending exceeds HK$3000 because the rebate amount is fixed.
• Application or registration is required.
• This is an extra welcome rebate on top of the separate HK$300 Platinum welcome offer; do not merge the two amounts or store HK$600 as an additional offer. The application must be made through the designated promotion link, or by a full-time student of a local university at a Bank of China (Hong Kong) branch. The applicant must not have cancelled or held a BOC Credit Card in the 12 months before application. The card application must be approved during the Promotion Period and the applicant must meet the HK$3,000 spending requirement for the BOC Chill Platinum Mastercard Welcome Offer. Rebate is credited by 30 June 2027. The account must remain normal, valid, and in good standing. The rebate cannot be converted to cash or transferred.
• Eligible card application approval date: 2026-07-21 – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HK$100 ÷ HK$500 × 100 = 20%. No rounding is required. This is the effective rate at the minimum qualifying spend; it decreases when eligible spending exceeds HK$500 because the rebate amount is fixed. • Limit applies to: Not stated by source • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 500 • Applies to all eligible spending, subject to the conditions. • T • h • e • • c • u • s • t • o • m • e • r • • m • u • s • t • • b • e • • a • t • • l • e • a • s • t • • 1 • 8 • , • • o • p • e • n • • a • • n • e • w • • s • i • n • g • l • e • • B • O • C • H • K • • s • a • v • i • n • g • s • • o • r • • c • u • r • r • e • n • t • • a • c • c • o • u • n • t • , • • a • n • d • • a • p • p • l • y • • f • o • r • • t • h • e • • e • l • i • g • i • b • l • e • • c • a • r • d • • w • i • t • h • i • n • • o • n • e • • c • a • l • e • n • d • a • r • • m • o • n • t • h • • o • f • • a • c • c • o • u • n • t • • o • p • e • n • i • n • g • . • • T • h • e • • c • u • s • t • o • m • e • r • • m • u • s • t • • b • e • • a • • n • e • w • • m • a • i • n • • B • O • C • • C • r • e • d • i • t • • C • a • r • d • • c • a • r • d • h • o • l • d • e • r • • a • n • d • • m • u • s • t • • n • o • t • • h • a • v • e • • c • a • n • c • e • l • l • e • d • • o • r • • h • e • l • d • • a • • B • O • C • • C • r • e • d • i • t • • C • a • r • d • • i • n • • t • h • e • • 1 • 2 • • m • o • n • t • h • s • • b • e • f • o • r • e • • a • p • p • l • i • c • a • t • i • o • n • . • • T • h • e • • c • a • r • d • • m • u • s • t • • b • e • • a • p • p • r • o • v • e • d • • b • y • • 3 • 1 • • J • a • n • u • a • r • y • • 2 • 0 • 2 • 7 • . • • T • h • e • • c • a • r • d • h • o • l • d • e • r • • m • u • s • t • • a • c • t • i • v • a • t • e • • i • t • • a • n • d • • a • c • c • u • m • u • l • a • t • e • • e • l • i • g • i • b • l • e • • s • p • e • n • d • i • n • g • • o • f • • H • K • $ • 5 • 0 • 0 • • o • r • • m • o • r • e • • w • i • t • h • i • n • • o • n • e • • m • o • n • t • h • • a • f • t • e • r • • c • a • r • d • • i • s • s • u • a • n • c • e • . • • E • l • i • g • i • b • l • e • • s • p • e • n • d • i • n • g • • i • s • • g • e • n • e • r • a • l • • r • e • t • a • i • l • • s • p • e • n • d • i • n • g • • s • u • b • j • e • c • t • • t • o • • t • h • e • • l • i • s • t • e • d • • e • x • c • l • u • s • i • o • n • s • ; • • t • r • a • n • s • a • c • t • i • o • n • s • • m • u • s • t • • p • o • s • t • • w • i • t • h • i • n • • 7 • • d • a • y • s • . • • E • a • c • h • • c • a • r • d • h • o • l • d • e • r • • m • a • y • • r • e • c • e • i • v • e • • t • h • i • s • • o • f • f • e • r • • o • n • c • e • . • • T • h • e • • a • c • c • o • u • n • t • • m • u • s • t • • r • e • m • a • i • n • • n • o • r • m • a • l • , • • v • a • l • i • d • , • • a • n • d • • i • n • • g • o • o • d • • s • t • a • n • d • i • n • g • . • • I • f • • t • h • e • • c • u • s • t • o • m • e • r • • h • o • l • d • s • • m • o • r • e • • t • h • a • n • • o • n • e • • e • l • i • g • i • b • l • e • • c • a • r • d • , • • t • h • e • • r • e • w • a • r • d • • g • o • e • s • • t • o • • t • h • e • • h • i • g • h • e • s • t • - • t • i • e • r • • e • l • i • g • i • b • l • e • • c • a • r • d • ; • • B • O • C • • C • h • i • l • l • • P • l • a • t • i • n • u • m • • M • a • s • t • e • r • c • a • r • d • • i • s • • b • e • l • o • w • • B • O • C • • C • h • i • l • l • • W • o • r • l • d • • M • a • s • t • e • r • c • a • r • d • • i • n • • t • h • e • • l • i • s • t • e • d • • t • i • e • r • • o • r • d • e • r • . • • T • h • e • • o • f • f • e • r • • g • i • v • e • s • • H • K • $ • 1 • 0 • 0 • • c • a • s • h • • r • e • b • a • t • e • • t • o • • e • l • i • g • i • b • l • e • • c • a • r • d • s • • o • t • h • e • r • • t • h • a • n • • B • O • C • • C • h • e • e • r • s • • C • a • r • d • .

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$500.00
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• Percentage note: HK$100 ÷ HK$500 × 100 = 20%. No rounding is required. This is the effective rate at the minimum qualifying spend; it decreases when eligible spending exceeds HK$500 because the rebate amount is fixed.
• Application or registration is required.
• The customer must be at least 18, open a new single BOCHK savings or current account, and apply for the eligible card within one calendar month of account opening. The customer must be a new main BOC Credit Card cardholder and must not have cancelled or held a BOC Credit Card in the 12 months before application. The card must be approved by 31 January 2027. The cardholder must activate it and accumulate eligible spending of HK$500 or more within one month after card issuance. Eligible spending is general retail spending subject to the listed exclusions; transactions must post within 7 days. Each cardholder may receive this offer once. The account must remain normal, valid, and in good standing. If the customer holds more than one eligible card, the reward goes to the highest-tier eligible card; BOC Chill Platinum Mastercard is below BOC Chill World Mastercard in the listed tier order. The offer gives HK$100 cash rebate to eligible cards other than BOC Cheers Card.
• BOCHK account-opening period: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Not stated by source • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 1000 • T • h • e • • f • o • r • m • a • l • • t • e • r • m • s • • s • t • a • t • e • • t • h • a • t • • t • h • e • • p • r • o • m • o • t • i • o • n • • p • e • r • i • o • d • • s • t • a • r • t • s • • i • n • • t • h • e • • f • i • r • s • t • • m • o • n • t • h • • a • n • d • • f • o • l • l • o • w • i • n • g • • t • h • r • e • e • • c • a • l • e • n • d • a • r • • m • o • n • t • h • s • • o • f • • c • a • r • d • • i • s • s • u • a • n • c • e • . • • T • h • e • • p • a • g • e • • s • u • m • m • a • r • y • • s • a • y • s • • t • h • e • • f • i • r • s • t • • t • h • r • e • e • • m • o • n • t • h • s • ; • • t • h • e • • f • o • r • m • a • l • • t • e • r • m • s • • c • o • n • t • r • o • l • . • • T • h • e • • c • a • r • d • h • o • l • d • e • r • • m • u • s • t • • l • o • g • • i • n • • t • o • • I • n • t • e • r • n • e • t • • o • r • • m • o • b • i • l • e • • b • a • n • k • i • n • g • • a • n • d • • s • u • c • c • e • s • s • f • u • l • l • y • • a • p • p • l • y • • f • o • r • • a • • 3 • - • m • o • n • t • h • • S • t • a • t • e • m • e • n • t • • I • n • s • t • a • l • l • m • e • n • t • . • • E • l • i • g • i • b • l • e • • s • p • e • n • d • i • n • g • • i • s • • a • c • c • u • m • u • l • a • t • e • d • • s • p • e • n • d • i • n • g • • o • f • • H • K • $ • 1 • , • 0 • 0 • 0 • • o • r • • m • o • r • e • • f • r • o • m • • r • e • t • a • i • l • • s • p • e • n • d • i • n • g • , • • b • a • l • a • n • c • e • • t • r • a • n • s • f • e • r • , • • o • n • l • i • n • e • • b • i • l • l • • p • a • y • m • e • n • t • , • • a • n • d • • J • E • T • • p • a • y • m • e • n • t • • t • r • a • n • s • a • c • t • i • o • n • s • • p • o • s • t • e • d • • i • n • • t • h • e • • c • u • r • r • e • n • t • • m • o • n • t • h • l • y • • s • t • a • t • e • m • e • n • t • • a • n • d • • n • o • t • • y • e • t • • d • u • e • . • • T • h • e • • m • i • n • i • m • u • m • • i • n • s • t • a • l • l • m • e • n • t • • a • m • o • u • n • t • • i • s • • H • K • $ • 1 • , • 0 • 0 • 0 • . • • M • o • n • t • h • l • y • • h • a • n • d • l • i • n • g • • f • e • e • s • • a • n • d • / • o • r • • u • p • f • r • o • n • t • • a • d • m • i • n • i • s • t • r • a • t • i • o • n • • f • e • e • s • • d • e • p • e • n • d • • o • n • • t • h • e • • i • n • s • t • a • l • l • m • e • n • t • • a • m • o • u • n • t • , • • r • e • p • a • y • m • e • n • t • • p • e • r • i • o • d • , • • a • n • d • • a • c • c • o • u • n • t • • s • t • a • t • u • s • ; • • t • h • e • • a • m • o • u • n • t • • i • s • • s • h • o • w • n • • d • u • r • i • n • g • • a • p • p • l • i • c • a • t • i • o • n • . • • T • h • e • • f • e • e • • i • s • • d • e • d • u • c • t • e • d • • f • i • r • s • t • • a • n • d • • c • r • e • d • i • t • e • d • • b • a • c • k • • a • s • • c • a • s • h • • r • e • b • a • t • e • • w • i • t • h • i • n • • t • h • r • e • e • • m • o • n • t • h • s • . • • O • t • h • e • r • • l • i • s • t • e • d • • e • x • c • l • u • d • e • d • • i • n • s • t • a • l • l • m • e • n • t • • c • a • t • e • g • o • r • i • e • s • • a • n • d • • a • c • c • o • u • n • t • • r • e • s • t • r • i • c • t • i • o • n • s • • a • p • p • l • y • .

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• Application or registration is required.
• The formal terms state that the promotion period starts in the first month and following three calendar months of card issuance. The page summary says the first three months; the formal terms control. The cardholder must log in to Internet or mobile banking and successfully apply for a 3-month Statement Installment. Eligible spending is accumulated spending of HK$1,000 or more from retail spending, balance transfer, online bill payment, and JET payment transactions posted in the current monthly statement and not yet due. The minimum installment amount is HK$1,000. Monthly handling fees and/or upfront administration fees depend on the installment amount, repayment period, and account status; the amount is shown during application. The fee is deducted first and credited back as cash rebate within three months. Other listed excluded installment categories and account restrictions apply.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Not stated by source • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 1000 • T • h • e • • p • r • o • d • u • c • t • • p • a • g • e • • s • t • a • t • e • s • • t • h • a • t • • a • • s • i • n • g • l • e • • t • r • a • n • s • a • c • t • i • o • n • • o • f • • H • K • $ • 1 • , • 0 • 0 • 0 • • o • r • • a • b • o • v • e • • c • a • n • • b • e • • c • o • n • v • e • r • t • e • d • • t • o • • a • • 3 • 6 • - • m • o • n • t • h • • i • n • s • t • a • l • l • m • e • n • t • . • • D • e • t • a • i • l • e • d • • f • e • e • s • , • • A • P • R • , • • f • u • l • l • • e • l • i • g • i • b • i • l • i • t • y • , • • a • n • d • • o • t • h • e • r • • p • l • a • n • • c • o • n • d • i • t • i • o • n • s • • a • r • e • • n • o • t • • i • n • • t • h • e • • r • e • t • a • i • n • e • d • • s • o • u • r • c • e • • f • i • l • e • s • . • • N • o • • f • e • e • • o • r • • r • a • t • e • • i • s • • i • n • f • e • r • r • e • d • .

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Minimum requirement: Period: per transaction · Spend: HK$1,000.00
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• Application or registration is required.
• The product page states that a single transaction of HK$1,000 or above can be converted to a 36-month installment. Detailed fees, APR, full eligibility, and other plan conditions are not in the retained source files. No fee or rate is inferred.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Not stated by source • T • h • e • • p • r • o • d • u • c • t • • p • a • g • e • • s • t • a • t • e • s • • a • • p • e • r • p • e • t • u • a • l • • a • n • n • u • a • l • - • f • e • e • • w • a • i • v • e • r • • f • o • r • • m • a • i • n • • a • n • d • • a • d • d • i • t • i • o • n • a • l • • B • O • C • • C • h • i • l • l • • C • a • r • d • s • . • • I • t • • d • o • e • s • • n • o • t • • s • t • a • t • e • • t • h • e • • w • a • i • v • e • d • • a • m • o • u • n • t • s • .

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• The product page states a perpetual annual-fee waiver for main and additional BOC Chill Cards. It does not state the waived amounts.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Not stated by source • T • h • e • • p • r • o • d • u • c • t • • p • a • g • e • • l • i • s • t • s • • a • n • • i • n • t • e • r • e • s • t • - • f • r • e • e • • r • e • p • a • y • m • e • n • t • • p • e • r • i • o • d • • o • f • • u • p • • t • o • • 5 • 6 • • d • a • y • s • . • • T • h • e • • K • e • y • • F • a • c • t • s • • S • t • a • t • e • m • e • n • t • • s • a • y • s • • n • o • • i • n • t • e • r • e • s • t • • i • s • • c • h • a • r • g • e • d • • w • h • e • n • • t • h • e • • b • a • l • a • n • c • e • • i • s • • p • a • i • d • • i • n • • f • u • l • l • • b • y • • t • h • e • • d • u • e • • d • a • t • e • • e • a • c • h • • m • o • n • t • h • .

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• The product page lists an interest-free repayment period of up to 56 days. The Key Facts Statement says no interest is charged when the balance is paid in full by the due date each month.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Not stated by source • T • h • e • • p • r • o • d • u • c • t • • p • a • g • e • • l • i • s • t • s • • C • h • i • l • l • • D • a • t • e • • E • x • p • e • r • i • e • n • c • e • • E • v • e • n • t • s • • a • n • d • • d • e • s • c • r • i • b • e • s • • a • • r • a • n • g • e • • o • f • • e • x • p • e • r • i • e • n • c • e • • e • v • e • n • t • s • . • • E • v • e • n • t • • d • a • t • e • s • , • • a • c • c • e • s • s • • r • u • l • e • s • , • • e • l • i • g • i • b • i • l • i • t • y • , • • a • n • d • • v • a • l • u • e • • a • r • e • • n • o • t • • s • t • a • t • e • d • • i • n • • t • h • e • • r • e • t • a • i • n • e • d • • s • o • u • r • c • e • • f • i • l • e • s • . • • L • i • n • k • e • d • • d • e • t • a • i • l • s • • w • e • r • e • • n • o • t • • u • s • e • d • .

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• The product page lists Chill Date Experience Events and describes a range of experience events. Event dates, access rules, eligibility, and value are not stated in the retained source files. Linked details were not used.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Not stated by source • Application, registration or activation required. See conditions. • T • h • e • • p • a • g • e • • s • a • y • s • • c • a • r • d • h • o • l • d • e • r • s • • c • a • n • • a • p • p • l • y • • f • o • r • • s • u • p • p • l • e • m • e • n • t • a • r • y • • c • a • r • d • s • • f • o • r • • f • a • m • i • l • y • • o • r • • o • t • h • e • r • • l • o • v • e • d • • o • n • e • s • • a • n • d • • c • a • n • • c • o • m • b • i • n • e • • s • p • e • n • d • i • n • g • • t • o • • e • a • r • n • • r • e • w • a • r • d • s • • s • o • o • n • e • r • . • • T • h • e • • r • e • t • a • i • n • e • d • • s • o • u • r • c • e • • d • o • e • s • • n • o • t • • s • t • a • t • e • • a • n • • a • p • p • l • i • c • a • t • i • o • n • • f • e • e • • o • r • • d • e • t • a • i • l • e • d • • e • l • i • g • i • b • i • l • i • t • y • • t • e • r • m • s • .

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Not stated by source · Period: not stated · Type: not stated
• Application or registration is required.
• The page says cardholders can apply for supplementary cards for family or other loved ones and can combine spending to earn rewards sooner. The retained source does not state an application fee or detailed eligibility terms.

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Fixed HK$200 rebate; no percentage is stated. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Activate the principal card and reach at least HK$2,000 in eligible spending within two months of issue. • An eligible customer must not have held a principal BEA JCB Platinum Card or other BEA credit card in the six months before application and approval, subject to the stated exclusions. • Each eligible customer can receive this offer once only. • Supplementary-card spending, cash advances, Octopus top-ups, digital-wallet transactions, supermarket spending, government payments, recurring transactions, tax payments, and other terms-defined ineligible transactions do not count. • The account must remain valid during the promotion and when the rebate is credited. • If the principal card is cancelled within 12 months after account opening, BEA may debit the value of the offer. • The rebate is credited by 2027-06-30 and can only offset the relevant card account balance. • The offer cannot be combined with other promotional offers unless the relevant terms allow it.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed HK$200 rebate; no percentage is stated.
• Application or registration is required.
• Activate the principal card and reach at least HK$2,000 in eligible spending within two months of issue.
• An eligible customer must not have held a principal BEA JCB Platinum Card or other BEA credit card in the six months before application and approval, subject to the stated exclusions.
• Each eligible customer can receive this offer once only.
• Supplementary-card spending, cash advances, Octopus top-ups, digital-wallet transactions, supermarket spending, government payments, recurring transactions, tax payments, and other terms-defined ineligible transactions do not count.
• The account must remain valid during the promotion and when the rebate is credited.
• If the principal card is cancelled within 12 months after account opening, BEA may debit the value of the offer.
• The rebate is credited by 2027-06-30 and can only offset the relevant card account balance.
• The offer cannot be combined with other promotional offers unless the relevant terms allow it.
• Welcome cash rebate offer: 2026-04-01 – 2027-01-13

The offer is not confirmed active on the snapshot date. • Limit: 100 HKD · Per Month • Limit applies to: Cash rebate for each eligible card account in a calendar month • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: contactless; Phase Spend Min: 500 • Applies to all eligible spending, subject to the conditions. • Applies to eligible local HKD and Macau MOP retail spending at physical merchants, paid by contactless card transaction. • Register an eligible principal card in the BEA Mall App; the first 5,000 registered cardholders qualify. • Accumulated eligible spending must reach HK$500 per calendar month for each eligible account. • Maximum rebate is HK$300 in phase 2 and HK$600 across the full promotion for each eligible card account. • Phase 1 registration also qualifies the cardholder to earn in phase 2 without registering again. A phase 2 registration does not include phase 1 spending. • Supplementary-card spending is counted in a separate account. • Rebate is rounded down to the nearest Hong Kong dollar. The account must be valid and in good standing when the rebate is credited. • MOP-to-HKD conversion method is not stated. • Terms-defined spending exclusions apply, including insurance premiums, government payments, tax, recurring payments, digital wallets, and Octopus top-ups.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Pay with: contactless · Period spend ≥: HK$500.00
• Benefit limit: Amount: 100 · Applies to: Cash rebate for each eligible card account in a calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Application or registration is required.
• Applies to eligible local HKD and Macau MOP retail spending at physical merchants, paid by contactless card transaction.
• Register an eligible principal card in the BEA Mall App; the first 5,000 registered cardholders qualify.
• Accumulated eligible spending must reach HK$500 per calendar month for each eligible account.
• Maximum rebate is HK$300 in phase 2 and HK$600 across the full promotion for each eligible card account.
• Phase 1 registration also qualifies the cardholder to earn in phase 2 without registering again. A phase 2 registration does not include phase 1 spending.
• Supplementary-card spending is counted in a separate account.
• Rebate is rounded down to the nearest Hong Kong dollar. The account must be valid and in good standing when the rebate is credited.
• MOP-to-HKD conversion method is not stated.
• Terms-defined spending exclusions apply, including insurance premiums, government payments, tax, recurring payments, digital wallets, and Octopus top-ups.
• Phase 2 local and Macau contactless spending: 2027-01-01 – 2027-03-31

This benefit does not apply to a purchase. • Limit: 6 times · Promotion Total • Limit applies to: Japan and Hawaii lounge visits during the service period • A qualifying visit requires at least one retail transaction in Japanese Yen at a physical store in Japan during the corresponding transaction period, regardless of spend amount. • Usage periods are 2026-04-01 to 2026-06-30, 2026-07-01 to 2026-09-30, 2026-10-01 to 2026-12-31, and 2027-01-01 to 2027-03-31. • The corresponding transaction periods are 2026-03-01 to 2026-06-30, 2026-06-01 to 2026-09-30, 2026-09-01 to 2026-12-31, and 2026-12-31 to 2027-03-31. • Without the eligible transaction, HK$78 is charged per visit. • Visits after the six-visit allowance are charged at the standard price; the amount is not stated.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 6 · Applies to: Japan and Hawaii lounge visits during the service period · Period: promotion total · Type: limited · Unit: times
• A qualifying visit requires at least one retail transaction in Japanese Yen at a physical store in Japan during the corresponding transaction period, regardless of spend amount.
• Usage periods are 2026-04-01 to 2026-06-30, 2026-07-01 to 2026-09-30, 2026-10-01 to 2026-12-31, and 2027-01-01 to 2027-03-31.
• The corresponding transaction periods are 2026-03-01 to 2026-06-30, 2026-06-01 to 2026-09-30, 2026-09-01 to 2026-12-31, and 2026-12-31 to 2027-03-31.
• Without the eligible transaction, HK$78 is charged per visit.
• Visits after the six-visit allowance are charged at the standard price; the amount is not stated.
• Japan and Hawaii lounge service period: 2026-04-01 – 2027-03-31

This benefit does not apply to a purchase. • Limit: 2 times · Promotion Total • Limit applies to: LoungeKey visits outside Japan and Hawaii during 2026 • Access is to LoungeKey Services lounges outside Japan and Hawaii. • Principal and supplementary cardholder visits have separate allowances. • Linked Chinese terms were unavailable; additional access conditions are unknown.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 2 · Applies to: LoungeKey visits outside Japan and Hawaii during 2026 · Period: promotion total · Type: limited · Unit: times
• Access is to LoungeKey Services lounges outside Japan and Hawaii.
• Principal and supplementary cardholder visits have separate allowances.
• Linked Chinese terms were unavailable; additional access conditions are unknown.
• LoungeKey overseas lounge access outside Japan and Hawaii: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Merchants: toyota-rent-a-car • Eligible merchants: toyota-rent-a-car • Discount applies to the basic rental fee and excludes tax. • Book on the corresponding TOYOTA Rent a Car campaign page and pay locally. • Campaign details are linked but not retained.

• Eligibility: Audience: all
• Eligible spending: Applies to: toyota rent a car · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Discount applies to the basic rental fee and excludes tax.
• Book on the corresponding TOYOTA Rent a Car campaign page and pay locally.
• Campaign details are linked but not retained.

Merchant eligibility cannot be established from the incomplete source list. • Eligible categories: 藥房／保健品 • Applies at major drugstores in Japan. • The source does not provide a complete drugstore list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 藥房／保健品 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• Applies at major drugstores in Japan.
• The source does not provide a complete drugstore list.

Category or merchant does not match. • HK$50 / HK$100 × 100 = 50.00%, rounded to two decimal places (shown as 50%). This is a threshold-equivalent rate; the effective rate decreases above HK$100 because the discount remains fixed at HK$50. • Minimum spend: Period: per_transaction; Spend: 100 • Merchants: starbucks • Eligible merchants: starbucks • Applies to handcrafted beverage or food purchases at Starbucks inside Hong Kong International Airport. • A qualifying purchase must be at least HK$100 and include one tall-sized or larger handcrafted beverage. • Detailed information is linked in Chinese and was not retained.

• Eligibility: Audience: all
• Eligible spending: Applies to: starbucks · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$100.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: HK$50 / HK$100 × 100 = 50.00%, rounded to two decimal places (shown as 50%). This is a threshold equivalent rate; the effective rate decreases above HK$100 because the discount remains fixed at HK$50.
• Applies to handcrafted beverage or food purchases at Starbucks inside Hong Kong International Airport.
• A qualifying purchase must be at least HK$100 and include one tall-sized or larger handcrafted beverage.
• Detailed information is linked in Chinese and was not retained.

This benefit does not apply to a purchase. •

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated

This benefit does not apply to a purchase. • All customers are entitled to an annual fee waiver for the first year. • The offer page does not state the waived amount.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• All customers are entitled to an annual fee waiver for the first year.
• The offer page does not state the waived amount.

This benefit does not apply to a purchase. • No interest is charged if the statement balance is paid in full by the due date. • The interest-free period depends on the purchase date within the statement cycle.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• No interest is charged if the statement balance is paid in full by the due date.
• The interest-free period depends on the purchase date within the statement cycle.

This benefit does not apply to a purchase. • Limit applies to: not stated • The KFS lists the Visa Signature principal and supplementary annual membership fees as waived. Any relevant terms, if any, continue to apply; the retained source gives no further Signature-specific condition.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
• The KFS lists the Visa Signature principal and supplementary annual membership fees as waived. Any relevant terms, if any, continue to apply; the retained source gives no further Signature-specific condition.

Open source offer ↗

Category or merchant does not match. • The retained page states a combined program maximum of up to 11%, but it does not state the Local Dining component rate. • Limit applies to: not stated • Eligible categories: 本地餐飲 • The retained page names Local Dining as part of a combined Local Dining, Delivery Platform and Transport program and advertises up to 11% cash rebate. It does not state this category's rate, cap, validity period, spend threshold or full eligibility. The linked detailed terms are not in source_folder.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
• Percentage note: The retained page states a combined program maximum of up to 11%, but it does not state the Local Dining component rate.
• The retained page names Local Dining as part of a combined Local Dining, Delivery Platform and Transport program and advertises up to 11% cash rebate. It does not state this category's rate, cap, validity period, spend threshold or full eligibility. The linked detailed terms are not in source_folder.

Open source offer ↗

Category or merchant does not match. • The retained page states a combined program maximum of up to 11%, but it does not state the Delivery Platform component rate. • Limit applies to: not stated • Eligible categories: 外賣平台 • The retained page names Delivery Platform as part of a combined Local Dining, Delivery Platform and Transport program and advertises up to 11% cash rebate. It does not state this category's rate, cap, validity period, spend threshold or full eligibility. The linked detailed terms are not in source_folder.

• Eligibility: Audience: all
• Eligible spending: Applies to: 外賣平台 · Type: category
• Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
• Percentage note: The retained page states a combined program maximum of up to 11%, but it does not state the Delivery Platform component rate.
• The retained page names Delivery Platform as part of a combined Local Dining, Delivery Platform and Transport program and advertises up to 11% cash rebate. It does not state this category's rate, cap, validity period, spend threshold or full eligibility. The linked detailed terms are not in source_folder.

Open source offer ↗

Category or merchant does not match. • The retained page states a combined program maximum of up to 11%, but it does not state the Local Transport component rate. • Limit applies to: not stated • Eligible categories: 本地交通 • The retained page names Local Transport as part of a combined Local Dining, Delivery Platform and Transport program and advertises up to 11% cash rebate. It does not state this category's rate, cap, validity period, spend threshold or full eligibility. The linked detailed terms are not in source_folder.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地交通 · Type: category
• Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
• Percentage note: The retained page states a combined program maximum of up to 11%, but it does not state the Local Transport component rate.
• The retained page names Local Transport as part of a combined Local Dining, Delivery Platform and Transport program and advertises up to 11% cash rebate. It does not state this category's rate, cap, validity period, spend threshold or full eligibility. The linked detailed terms are not in source_folder.

Open source offer ↗

Category or merchant does not match. • Cash-equivalent calculation: 60,000 points ÷ 25,000 points × HK$100 = HK$240; HK$240 ÷ HK$8,000 eligible spend × 100 = 3%. The source caps extra points at 52,000 per calendar month, which converts to HK$208 (52,000 ÷ 25,000 × HK$100); its example includes 8,000 basic points in the 60,000 total. No rounding is needed for these amounts. The source supports redemption in blocks of 25,000 points; it does not state how a partial block can be redeemed. The page advertises up to 5% for online spending when this point component combines with the separate 2% cash rebate. • Limit: 208 HKD · Per Month • Limit applies to: Cash-equivalent value of the extra points cap per cardmember per calendar month • Eligible categories: 網上購物 • The source states 7.5X bonus points, including basic bonus points. Extra points are capped at 52,000 per cardmember per calendar month and up to 312,000 during the promotion. The displayed eligible spend cap is HK$8,000 per month. • The campaign summary advertises up to 5% for online spending. This offer records only the 7.5X points component, not the separate 2% cash rebate. • The page refers to separate definitions for eligible online retail spending and points terms. Those terms are not in source_folder.

• Eligibility: Audience: all
• Eligible spending: Applies to: 網上購物 · Type: category
• Benefit limit: Amount: 208 · Applies to: Cash equivalent value of the extra points cap per cardmember per calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: 60,000 points ÷ 25,000 points × HK$100 = HK$240; HK$240 ÷ HK$8,000 eligible spend × 100 = 3%. The source caps extra points at 52,000 per calendar month, which converts to HK$208 (52,000 ÷ 25,000 × HK$100); its example includes 8,000 basic points in the 60,000 total. No rounding is needed for these amounts. The source supports redemption in blocks of 25,000 points; it does not state how a partial block can be redeemed. The page advertises up to 5% for online spending when this point component combines with the separate 2% cash rebate.
• The source states 7.5X bonus points, including basic bonus points. Extra points are capped at 52,000 per cardmember per calendar month and up to 312,000 during the promotion. The displayed eligible spend cap is HK$8,000 per month.
• The campaign summary advertises up to 5% for online spending. This offer records only the 7.5X points component, not the separate 2% cash rebate.
• The page refers to separate definitions for eligible online retail spending and points terms. Those terms are not in source_folder.
• eye+ Credit Card extra bonus points and cash rebate promotion: 2026-10-01 – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit: 160 HKD · Per Month • Limit applies to: Cash rebate per cardmember per calendar month • Eligible categories: 網上購物 • The source requires HK$3,000 in eligible retail spending per calendar month and shows an eligible monthly spend cap of HK$8,000. • The cash rebate is capped at HK$160 per calendar month and up to HK$960 during the promotion. • The campaign summary advertises up to 5% for online spending. This offer records only the separate 2% cash rebate. • The page refers to separate definitions for eligible online retail spending. Those terms are not in source_folder.

• Eligibility: Audience: all
• Eligible spending: Applies to: 網上購物 · Type: category
• Benefit limit: Amount: 160 · Applies to: Cash rebate per cardmember per calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The source requires HK$3,000 in eligible retail spending per calendar month and shows an eligible monthly spend cap of HK$8,000.
• The cash rebate is capped at HK$160 per calendar month and up to HK$960 during the promotion.
• The campaign summary advertises up to 5% for online spending. This offer records only the separate 2% cash rebate.
• The page refers to separate definitions for eligible online retail spending. Those terms are not in source_folder.
• eye+ Credit Card extra bonus points and cash rebate promotion: 2026-10-01 – 2027-03-31

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • HK$800 equivalent ÷ HK$60,000 minimum phase spend × 100 = 1.3333%, rounded to four decimal places. The effective rate decreases when qualifying spend exceeds HK$60,000. The rebate is paid in one selected foreign currency. • Limit: 800 HKD · Promotion Total • Limit applies to: Foreign Currency Rebate for this phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 60000 • Applies to all eligible spending, subject to the conditions. • Both local and overseas spending count toward HK$60,000 per phase. • Choose one currency for the phase: AUD140, CNH680, USD100 or JPY16,320, each shown as equivalent to HK$800. • Register once per phase. The quota is 4,000 per phase on a first-come, first-served basis. • The source uses closing exchange rates on 1 September 2026. It rounds rebate amounts down to the nearest ten dollars and disregards amounts below ten dollars. • The exact registration window and all transaction exclusions are not stated in the retained files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$60,000.00
• Benefit limit: Amount: 800 · Applies to: Foreign Currency Rebate for this phase · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: HK$800 equivalent ÷ HK$60,000 minimum phase spend × 100 = 1.3333%, rounded to four decimal places. The effective rate decreases when qualifying spend exceeds HK$60,000. The rebate is paid in one selected foreign currency.
• Application or registration is required.
• Both local and overseas spending count toward HK$60,000 per phase.
• Choose one currency for the phase: AUD140, CNH680, USD100 or JPY16,320, each shown as equivalent to HK$800.
• Register once per phase. The quota is 4,000 per phase on a first-come, first-served basis.
• The source uses closing exchange rates on 1 September 2026. It rounds rebate amounts down to the nearest ten dollars and disregards amounts below ten dollars.
• The exact registration window and all transaction exclusions are not stated in the retained files.
• Foreign Currency Rebate, Phase 1: 2026-10-01 – 2026-12-31

Open source offer ↗

The offer is not confirmed active on the snapshot date. • HK$800 equivalent ÷ HK$60,000 minimum phase spend × 100 = 1.3333%, rounded to four decimal places. The effective rate decreases when qualifying spend exceeds HK$60,000. The rebate is paid in one selected foreign currency. • Limit: 800 HKD · Promotion Total • Limit applies to: Foreign Currency Rebate for this phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 60000 • Applies to all eligible spending, subject to the conditions. • Both local and overseas spending count toward HK$60,000 per phase. • Choose one currency for the phase: AUD140, CNH680, USD100 or JPY16,320, each shown as equivalent to HK$800. • Register once per phase. The quota is 4,000 per phase on a first-come, first-served basis. • The source uses closing exchange rates on 1 September 2026. It rounds rebate amounts down to the nearest ten dollars and disregards amounts below ten dollars. • The exact registration window and all transaction exclusions are not stated in the retained files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$60,000.00
• Benefit limit: Amount: 800 · Applies to: Foreign Currency Rebate for this phase · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: HK$800 equivalent ÷ HK$60,000 minimum phase spend × 100 = 1.3333%, rounded to four decimal places. The effective rate decreases when qualifying spend exceeds HK$60,000. The rebate is paid in one selected foreign currency.
• Application or registration is required.
• Both local and overseas spending count toward HK$60,000 per phase.
• Choose one currency for the phase: AUD140, CNH680, USD100 or JPY16,320, each shown as equivalent to HK$800.
• Register once per phase. The quota is 4,000 per phase on a first-come, first-served basis.
• The source uses closing exchange rates on 1 September 2026. It rounds rebate amounts down to the nearest ten dollars and disregards amounts below ten dollars.
• The exact registration window and all transaction exclusions are not stated in the retained files.
• Foreign Currency Rebate, Phase 2: 2027-01-01 – 2027-03-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Limit applies to: not stated • Application, registration or activation required. See conditions. • The applicant must not have held a principal CCB (Asia) credit card at any time in the 12 months before the application. • To receive HK$800, successfully apply for the Chill Spending Installment Program with a tenor of at least 6 months and a total installment amount of at least HK$15,000 within the first 3 months after card issuance. • The retained sources do not state a validity period or all linked terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
• Application or registration is required.
• The applicant must not have held a principal CCB (Asia) credit card at any time in the 12 months before the application.
• To receive HK$800, successfully apply for the Chill Spending Installment Program with a tenor of at least 6 months and a total installment amount of at least HK$15,000 within the first 3 months after card issuance.
• The retained sources do not state a validity period or all linked terms.

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HK$600 ÷ HK$6,000 minimum total spend × 100 = 10%. No rounding is needed. The effective rate decreases when qualifying spend exceeds HK$6,000. • Limit applies to: not stated • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • The applicant must not have held a principal CCB (Asia) credit card at any time in the 12 months before the application. • To receive HK$600, make at least HK$6,000 in total spending within the first 2 months after card issuance. • The retained sources do not state a validity period or all linked terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
• Percentage note: HK$600 ÷ HK$6,000 minimum total spend × 100 = 10%. No rounding is needed. The effective rate decreases when qualifying spend exceeds HK$6,000.
• The applicant must not have held a principal CCB (Asia) credit card at any time in the 12 months before the application.
• To receive HK$600, make at least HK$6,000 in total spending within the first 2 months after card issuance.
• The retained sources do not state a validity period or all linked terms.

Open source offer ↗

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: 3 cards • Limit applies to: Supplementary Cards • Application, registration or activation required. See conditions. • The Principal Cardholder is entitled to 3 Supplementary Cards under the same credit limit. • Supplementary Card application is available only to the spouse or children of the Principal Cardholder. • Supplementary Cards terminate if the Principal Cardholder no longer holds a valid ICBC Essence Credit Card.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 3 · Applies to: Supplementary Cards · Period: not stated · Type: limited · Unit: cards
• Percentage note: No source supported spending percentage applies.
• Application or registration is required.
• The Principal Cardholder is entitled to 3 Supplementary Cards under the same credit limit.
• Supplementary Card application is available only to the spouse or children of the Principal Cardholder.
• Supplementary Cards terminate if the Principal Cardholder no longer holds a valid ICBC Essence Credit Card.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • The chargeable annual fee for each Principal Card issued is HK$6,800. • Selected customers who hold a valid ICBC Essence Credit Card Principal Card enjoy the annual fee waiver.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The chargeable annual fee for each Principal Card issued is HK$6,800.
• Selected customers who hold a valid ICBC Essence Credit Card Principal Card enjoy the annual fee waiver.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • The chargeable annual fee for each Supplementary Card issued is HK$3,000. • Selected customers who hold a valid ICBC Essence Credit Card Principal Card enjoy the annual fee waiver for Supplementary Cards.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The chargeable annual fee for each Supplementary Card issued is HK$3,000.
• Selected customers who hold a valid ICBC Essence Credit Card Principal Card enjoy the annual fee waiver for Supplementary Cards.

This benefit does not apply to a purchase. • Financing rate is not a reward percentage; the source-stated APR is preserved in constraints. • Application, registration or activation required. See conditions. • No documents are required for the Credit Card Spending Installment Plan. • The 12-month tenor is one of the available installment-plan choices. • The monthly flat rate is 0.235%. • The stated APR for the 12-month tenor is 5.29%, based on the source's HK$10,000 example where applicable. • Terms, fees, and the Code of Banking Practice disclosures apply. • The application hotline is 2533 8686.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Financing rate is not a reward percentage; the source stated APR is preserved in constraints.
• Application or registration is required.
• No documents are required for the Credit Card Spending Installment Plan.
• The 12-month tenor is one of the available installment-plan choices.
• The monthly flat rate is 0.235%.
• The stated APR for the 12-month tenor is 5.29%, based on the source's HK$10,000 example where applicable.
• Terms, fees, and the Code of Banking Practice disclosures apply.
• The application hotline is 2533 8686.

This benefit does not apply to a purchase. • Financing rate is not a reward percentage; the source-stated APR is preserved in constraints. • Application, registration or activation required. See conditions. • No documents are required for the Credit Card Spending Installment Plan. • The 24-month tenor is one of the available installment-plan choices. • The monthly flat rate is 0.235%. • The stated APR for the 24-month tenor is 5.46%, based on the source's HK$10,000 example where applicable. • Terms, fees, and the Code of Banking Practice disclosures apply. • The application hotline is 2533 8686.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Financing rate is not a reward percentage; the source stated APR is preserved in constraints.
• Application or registration is required.
• No documents are required for the Credit Card Spending Installment Plan.
• The 24-month tenor is one of the available installment-plan choices.
• The monthly flat rate is 0.235%.
• The stated APR for the 24-month tenor is 5.46%, based on the source's HK$10,000 example where applicable.
• Terms, fees, and the Code of Banking Practice disclosures apply.
• The application hotline is 2533 8686.

This benefit does not apply to a purchase. • Financing rate is not a reward percentage; the source-stated APR is preserved in constraints. • Application, registration or activation required. See conditions. • No documents are required for the Credit Card Spending Installment Plan. • The 36-month tenor is one of the available installment-plan choices. • The monthly flat rate is 0.235%. • The stated APR for the 36-month tenor is 5.48%, based on the source's HK$10,000 example where applicable. • Terms, fees, and the Code of Banking Practice disclosures apply. • The application hotline is 2533 8686.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Financing rate is not a reward percentage; the source stated APR is preserved in constraints.
• Application or registration is required.
• No documents are required for the Credit Card Spending Installment Plan.
• The 36-month tenor is one of the available installment-plan choices.
• The monthly flat rate is 0.235%.
• The stated APR for the 36-month tenor is 5.48%, based on the source's HK$10,000 example where applicable.
• Terms, fees, and the Code of Banking Practice disclosures apply.
• The application hotline is 2533 8686.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Visa Concierge provides 24/7 support. • Services include emergency support, travel and medical assistance, business and leisure assistance, restaurant and getaway reservations, local recommendations, and virtual or outdoor experiences. • Visa Concierge app and phone access are subject to Visa service terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• Visa Concierge provides 24/7 support.
• Services include emergency support, travel and medical assistance, business and leisure assistance, restaurant and getaway reservations, local recommendations, and virtual or outdoor experiences.
• Visa Concierge app and phone access are subject to Visa service terms.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: unlimited. • Application, registration or activation required. See conditions. • From 1 April 2026 to 31 March 2027, both dates inclusive, eligible Essence customers receive unlimited designated lounge services. • The unlimited entitlement applies to the cardholder's designated airport lounge services. • DragonPass registration and activation are required; one card registration is used for the service. • Lounge capacity, operating hours, network changes, and DragonPass terms apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: No source supported spending percentage applies.
• Application or registration is required.
• From 1 April 2026 to 31 March 2027, both dates inclusive, eligible Essence customers receive unlimited designated lounge services.
• The unlimited entitlement applies to the cardholder's designated airport lounge services.
• DragonPass registration and activation are required; one card registration is used for the service.
• Lounge capacity, operating hours, network changes, and DragonPass terms apply.
• DragonPass promotion period: 2026-04-01 – 2027-03-31

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: unlimited. • Application, registration or activation required. See conditions. • From 1 April 2026 to 31 March 2027, both dates inclusive, eligible Essence customers receive unlimited designated lounge services. • The unlimited entitlement applies to the cardholder's designated high-speed rail lounge services. • DragonPass registration and activation are required; one card registration is used for the service. • Lounge capacity, operating hours, network changes, and DragonPass terms apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: No source supported spending percentage applies.
• Application or registration is required.
• From 1 April 2026 to 31 March 2027, both dates inclusive, eligible Essence customers receive unlimited designated lounge services.
• The unlimited entitlement applies to the cardholder's designated high-speed rail lounge services.
• DragonPass registration and activation are required; one card registration is used for the service.
• Lounge capacity, operating hours, network changes, and DragonPass terms apply.
• DragonPass promotion period: 2026-04-01 – 2027-03-31

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: 10 visits · Promotion Total • Limit applies to: Companion visits to designated airport lounges • Application, registration or activation required. See conditions. • A companion may use designated airport lounges up to 10 times free during the promotion period. • Plaza Premium First is included among the designated airport lounges stated in the HTML summary. • The service applies to eligible Essence cardholders and requires DragonPass registration and activation. • Cardholder and supplementary-card entitlements are calculated separately; service is personal and non-transferable. • Lounge capacity, operating hours, network changes, and DragonPass terms apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 10 · Applies to: Companion visits to designated airport lounges · Period: promotion total · Type: limited · Unit: visits
• Percentage note: No source supported spending percentage applies.
• Application or registration is required.
• A companion may use designated airport lounges up to 10 times free during the promotion period.
• Plaza Premium First is included among the designated airport lounges stated in the HTML summary.
• The service applies to eligible Essence cardholders and requires DragonPass registration and activation.
• Cardholder and supplementary-card entitlements are calculated separately; service is personal and non-transferable.
• Lounge capacity, operating hours, network changes, and DragonPass terms apply.
• DragonPass promotion period: 2026-04-01 – 2027-03-31

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: 20 visits · Promotion Total • Limit applies to: Companion visits to designated high-speed rail lounges • Application, registration or activation required. See conditions. • A companion may use designated high-speed rail lounges up to 20 times free during the promotion period. • The service applies to eligible Essence cardholders and requires DragonPass registration and activation. • Cardholder and supplementary-card entitlements are calculated separately; service is personal and non-transferable. • Lounge capacity, operating hours, network changes, network changes, and DragonPass terms apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 20 · Applies to: Companion visits to designated high speed rail lounges · Period: promotion total · Type: limited · Unit: visits
• Percentage note: No source supported spending percentage applies.
• Application or registration is required.
• A companion may use designated high-speed rail lounges up to 20 times free during the promotion period.
• The service applies to eligible Essence cardholders and requires DragonPass registration and activation.
• Cardholder and supplementary-card entitlements are calculated separately; service is personal and non-transferable.
• Lounge capacity, operating hours, network changes, network changes, and DragonPass terms apply.
• DragonPass promotion period: 2026-04-01 – 2027-03-31

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: 2 services · Promotion Total • Limit applies to: One-way airport limousine transfer services • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: essence-ceramic-card • Merchants: king-s-limousine • The offer is for ICBC Essence Ceramic Cardholders only. • The first two one-way charges for transfer to or from Hong Kong International Airport are refunded as free credit-card spending limit. • The customer must book the service and pay with the Essence Ceramic Card. • The refund is made 6 to 8 weeks after the first working day of the following month and is not cash. • Bookings must be made at least 48 hours in advance; the supplier accepts bookings from 48 hours to 60 days before travel. • King's Limousine is the service provider. One destination, baggage, tunnel and bridge tolls, and stated early-morning surcharge treatment apply. • Changes and cancellations, waiting time, extra stops, child restraints, bad weather, and other supplier charges follow the formal service terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: essence ceramic card
• Benefit limit: Amount: 2 · Applies to: One way airport limousine transfer services · Period: promotion total · Type: limited · Unit: services
• Percentage note: No source supported spending percentage applies.
• Application or registration is required.
• The offer is for ICBC Essence Ceramic Cardholders only.
• The first two one-way charges for transfer to or from Hong Kong International Airport are refunded as free credit-card spending limit.
• The customer must book the service and pay with the Essence Ceramic Card.
• The refund is made 6 to 8 weeks after the first working day of the following month and is not cash.
• Bookings must be made at least 48 hours in advance; the supplier accepts bookings from 48 hours to 60 days before travel.
• King's Limousine is the service provider. One destination, baggage, tunnel and bridge tolls, and stated early-morning surcharge treatment apply.
• Changes and cancellations, waiting time, extra stops, child restraints, bad weather, and other supplier charges follow the formal service terms.
• 2026-2027 Q1 complimentary airport limousine service period: 2026-07-15 – 2027-03-31

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 酒店 • Visa partner offers cover more than 900 global luxury hotels and resorts. • The stated benefit includes discounts, VIP privileges, and a best-rate guarantee. • Availability, booking channel, participating properties, and Visa partner terms apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 酒店 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• Visa partner offers cover more than 900 global luxury hotels and resorts.
• The stated benefit includes discounts, VIP privileges, and a best-rate guarantee.
• Availability, booking channel, participating properties, and Visa partner terms apply.

Merchant eligibility cannot be established from the incomplete source list. • Source-stated maximum; eligible Visa partner terms apply. • Eligible categories: 的士／網約車／租車 • The source states a maximum discount of up to 48% for limousine services. • Eligible Visa partner services, booking conditions, availability, and partner terms apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 的士／網約車／租車 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated maximum; eligible Visa partner terms apply.
• The complete list of eligible merchants is not available.
• The source states a maximum discount of up to 48% for limousine services.
• Eligible Visa partner services, booking conditions, availability, and partner terms apply.

Category or merchant does not match. • No source-supported spending percentage applies. • Merchants: hertz • Eligible merchants: hertz • The source names Hertz and states car-rental offers including one-day complimentary rental. • Eligible locations, booking conditions, vehicle rules, availability, and Visa partner terms apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: hertz · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The source names Hertz and states car-rental offers including one-day complimentary rental.
• Eligible locations, booking conditions, vehicle rules, availability, and Visa partner terms apply.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: 25000 USD · Per Transaction • Limit applies to: Travel medical and related expenses per insured person • Eligibility: Payment Methods: designated-card • The insurance period is 24 June 2026 to 23 June 2027. • Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply. • At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card. • No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value. • The AXA policy and certificate terms control coverage, exclusions, and claims. • The medical and related expense limit is US$25,000 per insured person.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: designated card
• Benefit limit: Amount: 25000 · Applies to: Travel medical and related expenses per insured person · Currency: USD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: No source supported spending percentage applies.
• The insurance period is 24 June 2026 to 23 June 2027.
• Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply.
• At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card.
• No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value.
• The AXA policy and certificate terms control coverage, exclusions, and claims.
• The medical and related expense limit is US$25,000 per insured person.
• Private Bank Travel Insurance Benefit insurance period: 2026-06-24 – 2027-06-23

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Limit: 1000000 USD · Per Transaction • Limit applies to: Travel personal accident insurance per insured person • Eligibility: Payment Methods: designated-card • The insurance period is 24 June 2026 to 23 June 2027. • Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply. • At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card. • No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value. • The AXA policy and certificate terms control coverage, exclusions, and claims. • The personal accident limit is US$1,000,000 per insured person.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: designated card
• Benefit limit: Amount: 1000000 · Applies to: Travel personal accident insurance per insured person · Currency: USD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: No source supported spending percentage applies.
• The insurance period is 24 June 2026 to 23 June 2027.
• Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply.
• At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card.
• No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value.
• The AXA policy and certificate terms control coverage, exclusions, and claims.
• The personal accident limit is US$1,000,000 per insured person.
• Private Bank Travel Insurance Benefit insurance period: 2026-06-24 – 2027-06-23

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Eligibility: Payment Methods: designated-card • The insurance period is 24 June 2026 to 23 June 2027. • Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply. • At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card. • No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value. • The AXA policy and certificate terms control coverage, exclusions, and claims. • Worldwide emergency assistance is fully covered, including the stated 24-hour hotline and emergency medical evacuation or repatriation support.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: designated card
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The insurance period is 24 June 2026 to 23 June 2027.
• Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply.
• At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card.
• No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value.
• The AXA policy and certificate terms control coverage, exclusions, and claims.
• Worldwide emergency assistance is fully covered, including the stated 24-hour hotline and emergency medical evacuation or repatriation support.
• Private Bank Travel Insurance Benefit insurance period: 2026-06-24 – 2027-06-23

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 高級餐廳 • The source describes global top restaurants and hotel chains; participating venues, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 高級餐廳 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes global top restaurants and hotel chains; participating venues, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 購物 • The source describes premium shopping offers; participating retailers, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes premium shopping offers; participating retailers, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 高級餐廳 • The source describes global top restaurants and hotel chains; participating venues, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 高級餐廳 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes global top restaurants and hotel chains; participating venues, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 網上購物 • The source describes online shopping offers; participating merchants, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 網上購物 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes online shopping offers; participating merchants, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 百貨公司 • The source describes local and international department-store offers; participating stores, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 百貨公司 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes local and international department-store offers; participating stores, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 珠寶／鐘錶 • The source describes jeweler offers; participating merchants, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 珠寶／鐘錶 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes jeweler offers; participating merchants, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 美容／個人護理 • The source describes cosmetics offers; participating merchants, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 美容／個人護理 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes cosmetics offers; participating merchants, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

Merchant eligibility cannot be established from the incomplete source list. • No source-supported spending percentage applies. • Eligible categories: 時裝 • The source describes apparel offers; participating merchants, availability, and Visa partner terms apply. • The page gives service classes and examples, not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 時裝 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The complete list of eligible merchants is not available.
• The source describes apparel offers; participating merchants, availability, and Visa partner terms apply.
• The page gives service classes and examples, not a complete local merchant list.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • The page lists online shopping insurance as a card benefit. • Coverage, eligibility, exclusions, and claims follow the applicable insurance terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The page lists online shopping insurance as a card benefit.
• Coverage, eligibility, exclusions, and claims follow the applicable insurance terms.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • The source lists SUPREME membership for Chinese Arts & Crafts. • Membership eligibility, privileges, and provider terms apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The source lists SUPREME membership for Chinese Arts & Crafts.
• Membership eligibility, privileges, and provider terms apply.

Category or merchant does not match. • No source-supported spending percentage applies. • Merchants: memorigin • Eligible merchants: memorigin • The source names Memorigin and lists shopping privileges and one-to-one service with brand representatives. • Provider availability and terms apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: memorigin · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The source names Memorigin and lists shopping privileges and one-to-one service with brand representatives.
• Provider availability and terms apply.

Category or merchant does not match. • No source-supported spending percentage applies. • Merchants: tai-pan-row • Eligible merchants: tai-pan-row • The source names Tai Pan Row and lists prestigious suit-tailoring offers. • Provider availability and terms apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: tai pan row · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• The source names Tai Pan Row and lists prestigious suit-tailoring offers.
• Provider availability and terms apply.

This benefit does not apply to a purchase. • No source-supported spending percentage applies. • Personalized value-added services are available by invitation only. • Customers should contact their designated relationship manager for details.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No source supported spending percentage applies.
• Personalized value-added services are available by invitation only.
• Customers should contact their designated relationship manager for details.

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets of HK$8,000,000 or more for the first three consecutive months after account opening. • Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading. • Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed. • Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card. • A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027. • The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets of HK$8,000,000 or more for the first three consecutive months after account opening.
• Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading.
• Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed.
• Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card.
• A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027.
• The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$5,000,000 to below HK$8,000,000 for the first three consecutive months after account opening. • Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading. • Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed. • Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card. • A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027. • The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$5,000,000 to below HK$8,000,000 for the first three consecutive months after account opening.
• Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading.
• Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed.
• Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card.
• A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027.
• The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$3,000,000 to below HK$5,000,000 for the first three consecutive months after account opening. • Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading. • Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed. • Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card. • A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027. • The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$3,000,000 to below HK$5,000,000 for the first three consecutive months after account opening.
• Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading.
• Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed.
• Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card.
• A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027.
• The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • This bonus is additional to one eligible new-customer account-opening tier. The customer must agree to receive the Bank's SMS or email marketing for all product types when opening the account and keep that preference until the reward redemption date. • One bonus per eligible customer. The underlying account-opening reward requires a new Wise Gold account, the applicable average daily Total Liquid Assets tier, one eligible transaction of HK$100,000 or equivalent, and successful application for or holding of either Wise Gold card. • The reward timing depends on the account-opening month and the customer must hold a valid Wise Gold account when credited. If the card application is declined, the customer can notify staff to receive the amount in the Wise Gold HKD savings account. The free spending limit can be used for card purchases only, not cash advances or card balances. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• This bonus is additional to one eligible new-customer account-opening tier. The customer must agree to receive the Bank's SMS or email marketing for all product types when opening the account and keep that preference until the reward redemption date.
• One bonus per eligible customer. The underlying account-opening reward requires a new Wise Gold account, the applicable average daily Total Liquid Assets tier, one eligible transaction of HK$100,000 or equivalent, and successful application for or holding of either Wise Gold card.
• The reward timing depends on the account-opening month and the customer must hold a valid Wise Gold account when credited. If the card application is declined, the customer can notify staff to receive the amount in the Wise Gold HKD savings account. The free spending limit can be used for card purchases only, not cash advances or card balances. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: Existing customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade. • This HK$4,000 tier requires the average daily Total Liquid Assets to increase by HK$3,000,000 or more over the September 2026 average during the first-three-month calculation period. • An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated. • The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline. • The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade.
• This HK$4,000 tier requires the average daily Total Liquid Assets to increase by HK$3,000,000 or more over the September 2026 average during the first-three-month calculation period.
• An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated.
• The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline.
• The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• successful Wise Gold account upgrade: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: Existing customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade. • This HK$2,000 tier requires the average daily Total Liquid Assets to increase by at least HK$1,500,000 and less than HK$3,000,000 over the September 2026 average during the first-three-month calculation period. • An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated. • The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline. • The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade.
• This HK$2,000 tier requires the average daily Total Liquid Assets to increase by at least HK$1,500,000 and less than HK$3,000,000 over the September 2026 average during the first-three-month calculation period.
• An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated.
• The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline.
• The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• successful Wise Gold account upgrade: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Available to a Wise Gold account customer who successfully applies for the principal ICBC Wise Gold World Mastercard during the promotion period. • Make one retail purchase or cash advance with the card within the first two months after card issuance. • Not available to a customer who holds any ICBC (Asia) credit card or cancelled any ICBC (Asia) credit card, including an affinity card, during the previous 12 months. • The designated spending requirement excludes balance transfers, cash instalment and loan amounts or repayments, e-wallet reloads or transfers, Octopus add-value transactions, donations, casino chips, gambling, unauthorised or unposted transactions, autopay, and the other transaction types listed in remark 11. Mainland merchant-category exclusions also apply.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Available to a Wise Gold account customer who successfully applies for the principal ICBC Wise Gold World Mastercard during the promotion period.
• Make one retail purchase or cash advance with the card within the first two months after card issuance.
• Not available to a customer who holds any ICBC (Asia) credit card or cancelled any ICBC (Asia) credit card, including an affinity card, during the previous 12 months.
• The designated spending requirement excludes balance transfers, cash instalment and loan amounts or repayments, e-wallet reloads or transfers, Octopus add-value transactions, donations, casino chips, gambling, unauthorised or unposted transactions, autopay, and the other transaction types listed in remark 11. Mainland merchant-category exclusions also apply.
• successful principal card application: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • The source states unlimited lounge access but no percentage rate. • Limit: unlimited. • Limit applies to: designated airport and high-speed rail lounge services • Available to Wise Gold account customers who hold the ICBC Wise Gold World Mastercard. DragonPass provides the designated airport and high-speed rail lounge services. • The service network covers more than 140 countries and regions, including Mainland China, Hong Kong, Macau, and Western countries. The source states unlimited service access during the promotion period. • Cardholders can use the DragonPass website or app to check the service network and lounge locations. DragonPass terms apply; the Bank is not the service provider and is not responsible for its service obligations. Additional Bank and Mastercard terms also apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: designated airport and high speed rail lounge services · Period: promotion total · Type: unlimited · Unit: service
• Percentage note: The source states unlimited lounge access but no percentage rate.
• Available to Wise Gold account customers who hold the ICBC Wise Gold World Mastercard. DragonPass provides the designated airport and high-speed rail lounge services.
• The service network covers more than 140 countries and regions, including Mainland China, Hong Kong, Macau, and Western countries. The source states unlimited service access during the promotion period.
• Cardholders can use the DragonPass website or app to check the service network and lounge locations. DragonPass terms apply; the Bank is not the service provider and is not responsible for its service obligations. Additional Bank and Mastercard terms also apply.
• designated airport and high-speed rail lounge services: 2026-10-01 – 2027-03-31

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Resident • Limit: unlimited. • Application, registration or activation required. See conditions. • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The formal DragonPass guide sets the promotion period as 2026-04-01 to 2027-03-31; the Wise Gold promotion page states a 2026-07-01 start, and the formal guide controls the resolved date. • The benefit applies to the ICBC Wise Gold Dual Currency Credit Card - UnionPay Diamond Card. Primary and supplementary card lounge services are calculated separately. • Register with the cardholder's reserved mobile number. Benefits from multiple ICBC (Asia) cards cannot be accumulated and only one card can be used for registration. • Activation requires the DragonPass website or app and RMB3 card validation. The cardholder must present the DragonPass card or benefit link, scan the QR code and verify the information. • The service is for the cardholder only and cannot be transferred or lent. Companion service for the Wise Gold cards is not available from 2026-02-01. • Lounge entry may be restricted when airports or high-speed railway stations are overcrowded. Service availability and operating hours vary by lounge and follow DragonPass rules. • The Bank may disqualify the benefit when DragonPass data does not match Bank records, card validity is not recognised, or fraudulent, abusive or malicious arbitrage activity is found.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: unlimited
• Application or registration is required.
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The formal DragonPass guide sets the promotion period as 2026-04-01 to 2027-03-31; the Wise Gold promotion page states a 2026-07-01 start, and the formal guide controls the resolved date.
• The benefit applies to the ICBC Wise Gold Dual Currency Credit Card - UnionPay Diamond Card. Primary and supplementary card lounge services are calculated separately.
• Register with the cardholder's reserved mobile number. Benefits from multiple ICBC (Asia) cards cannot be accumulated and only one card can be used for registration.
• Activation requires the DragonPass website or app and RMB3 card validation. The cardholder must present the DragonPass card or benefit link, scan the QR code and verify the information.
• The service is for the cardholder only and cannot be transferred or lent. Companion service for the Wise Gold cards is not available from 2026-02-01.
• Lounge entry may be restricted when airports or high-speed railway stations are overcrowded. Service availability and operating hours vary by lounge and follow DragonPass rules.
• The Bank may disqualify the benefit when DragonPass data does not match Bank records, card validity is not recognised, or fraudulent, abusive or malicious arbitrage activity is found.
• promotion: 2026-04-01 – 2027-03-31

This benefit does not apply to a purchase. • Audience: Resident • Limit: 500000 USD • Limit applies to: personal accident insurance indemnity • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The card page states coverage for accidental death or permanent disablement, loss of limb, loss of sight, loss of speech and loss of hearing during a journey on public conveyance. • Coverage, exclusions, indemnity limits and compensation are subject to the AXA group insurance policy and related terms. Aon Hong Kong Limited is the insurance broker for enquiries and claims support.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 500000 · Applies to: personal accident insurance indemnity · Currency: USD · Period: not stated · Type: limited · Unit: currency
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The card page states coverage for accidental death or permanent disablement, loss of limb, loss of sight, loss of speech and loss of hearing during a journey on public conveyance.
• Coverage, exclusions, indemnity limits and compensation are subject to the AXA group insurance policy and related terms. Aon Hong Kong Limited is the insurance broker for enquiries and claims support.

This benefit does not apply to a purchase. • Audience: Resident • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • This UnionPay Diamond card feature covers payment and travel services in the Greater Bay Area, including Hong Kong-Zhuhai-Macao Bridge tolls and shuttle bus, the Hong Kong section of Guangzhou-Shenzhen-Hong Kong High-speed Rail, Guangzhou-Shenzhen intercity trains, Railway 12306, selected Mainland metro and taxi services, MTR, KMB, Long Win Bus, Citybus, selected taxis, toll tunnels and highways.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• This UnionPay Diamond card feature covers payment and travel services in the Greater Bay Area, including Hong Kong-Zhuhai-Macao Bridge tolls and shuttle bus, the Hong Kong section of Guangzhou-Shenzhen-Hong Kong High-speed Rail, Guangzhou-Shenzhen intercity trains, Railway 12306, selected Mainland metro and taxi services, MTR, KMB, Long Win Bus, Citybus, selected taxis, toll tunnels and highways.

Category or merchant does not match. • Audience: Resident • Eligible categories: 海外簽賬 • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The card has HKD and RMB accounts. Cardholders can spend in local currency across the Chinese Mainland and Hong Kong, with a foreign-exchange-fee waiver for spending in CNY and foreign currencies.

• Eligibility: Audience: resident
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The card has HKD and RMB accounts. Cardholders can spend in local currency across the Chinese Mainland and Hong Kong, with a foreign-exchange-fee waiver for spending in CNY and foreign currencies.

This benefit does not apply to a purchase. • Audience: Resident • Application, registration or activation required. See conditions. • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • Download the UnionPay App and bind the ICBC Dual Currency Credit Card to use QR-code payment and access Hong Kong, Macau and cross-border privileges.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• Download the UnionPay App and bind the ICBC Dual Currency Credit Card to use QR-code payment and access Hong Kong, Macau and cross-border privileges.

This benefit does not apply to a purchase. • Audience: Resident • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The source lists UnionPay premium privileges such as entertainment, travel, dining and shopping. The linked UnionPay page is not used as evidence.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The source lists UnionPay premium privileges such as entertainment, travel, dining and shopping. The linked UnionPay page is not used as evidence.

Alternative offer in the same group; only the best group offer is counted. • Limit: unlimited. • Limit applies to: CashBack from eligible Mox Credit Card transactions • Applies to all eligible spending, subject to the conditions. • Requires no Mox+ and the CashBack Spending Rewards Scheme. • CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together. • The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: CashBack from eligible Mox Credit Card transactions · Period: not stated · Type: unlimited
• Requires no Mox+ and the CashBack Spending Rewards Scheme.
• CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together.
• The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.
• Eligible Mox Credit Card transactions: 2026-09-01 – Not stated

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 30 / HKD 1,500 × 100 = 2%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 1500 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD1,500 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$1,500.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 30 / HKD 1,500 × 100 = 2%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD1,500 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 120 / HKD 3,000 × 100 = 4%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD3,000 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 120 / HKD 3,000 × 100 = 4%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD3,000 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 300 / HKD 6,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 6000 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD6,000 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 300 / HKD 6,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD6,000 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 450 / HKD 9,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 9000 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD9,000 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$9,000.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 450 / HKD 9,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD9,000 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 330 / HKD 1,500 × 100 = 22%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 1500 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD1,500 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$1,500.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 330 / HKD 1,500 × 100 = 22%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD1,500 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 390 / HKD 3,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD3,000 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 390 / HKD 3,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD3,000 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 780 / HKD 6,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD6,000 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 780 / HKD 6,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD6,000 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 750 / HKD 9,000 × 100 = 8.3333…%, rounded to 8.33% (2 decimal places); the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 9000 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD9,000 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$9,000.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 750 / HKD 9,000 × 100 = 8.3333…%, rounded to 8.33% (2 decimal places); the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD9,000 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Limit applies to: Asia Miles earned from eligible Mox Credit Card transactions • Applies to all eligible spending, subject to the conditions. • Requires no Mox+ and the Asia Miles Spending Rewards Scheme; HKD10 of eligible transaction amount earns 1 Asia Mile. • CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together. • The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: Asia Miles earned from eligible Mox Credit Card transactions · Period: not stated · Type: not stated
• Requires no Mox+ and the Asia Miles Spending Rewards Scheme; HKD10 of eligible transaction amount earns 1 Asia Mile.
• CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together.
• The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.
• Eligible Mox Credit Card transactions: 2026-09-01 – Not stated

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Limit applies to: Asia Miles earned from eligible Mox Credit Card transactions • Applies to all eligible spending, subject to the conditions. • Requires Mox+ and the Asia Miles Spending Rewards Scheme; HKD5 of eligible transaction amount earns 1 Asia Mile. • CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together. • The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: Asia Miles earned from eligible Mox Credit Card transactions · Period: not stated · Type: not stated
• Requires Mox+ and the Asia Miles Spending Rewards Scheme; HKD5 of eligible transaction amount earns 1 Asia Mile.
• CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together.
• The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.
• Eligible Mox Credit Card transactions: 2026-09-01 – Not stated

Open source offer ↗

Category or merchant does not match. • Limit applies to: Mystery gift at selected Xiaomi Stores • Merchants: Xiaomi Causeway Bay Store, Xiaomi YOHO MALL Store, Xiaomi Mong Kok Chong Hing Plaza Store • Eligible merchants: xiaomi-causeway-bay-store, xiaomi-yoho-mall-store, xiaomi-mong-kok-chong-hing-plaza-store • Available while stocks last; ask store staff for details. The item value and other eligibility terms are not stated. • The gift quota is limited and allocated first come, first served; Mox will announce when the quota is full.

• Eligibility: Audience: all
• Eligible spending: Applies to: xiaomi causeway bay store / xiaomi yoho mall store / xiaomi mong kok chong hing plaza store · Type: merchant
• Benefit limit: Applies to: Mystery gift at selected Xiaomi Stores · Period: not stated · Type: not stated
• Available while stocks last; ask store staff for details. The item value and other eligibility terms are not stated.
• The gift quota is limited and allocated first come, first served; Mox will announce when the quota is full.

Open source offer ↗

This benefit does not apply to a purchase. • Limit: 10000 transaction · Promotion Total • Limit applies to: Approved Split Purchases under the Xiaomi promotion • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 3000 • Merchants: mi.com (Hong Kong), Participating Xiaomi Stores (Hong Kong) • One eligible transaction of at least HKD3,000 at mi.com (Hong Kong) or a participating Xiaomi Store (Hong Kong). • Split Purchase tenor must be 3 to 12 months. • Mox must approve and set up the Split Purchase by 2027-01-07; a cancelled Split Purchase is not eligible. • Quota: 10,000 Approved Split Purchases, first come, first served. • Pay the full Mox Credit statement balance by its due date to avoid finance charges on the instalments.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Minimum requirement: Period: per transaction · Spend: HK$3,000.00
• Benefit limit: Amount: 10000 · Applies to: Approved Split Purchases under the Xiaomi promotion · Period: promotion total · Type: limited · Unit: transaction
• Application or registration is required.
• One eligible transaction of at least HKD3,000 at mi.com (Hong Kong) or a participating Xiaomi Store (Hong Kong).
• Split Purchase tenor must be 3 to 12 months.
• Mox must approve and set up the Split Purchase by 2027-01-07; a cancelled Split Purchase is not eligible.
• Quota: 10,000 Approved Split Purchases, first come, first served.
• Pay the full Mox Credit statement balance by its due date to avoid finance charges on the instalments.
• Eligible Xiaomi purchase and Split Purchase application: 2026-06-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit: 10000 transaction · Promotion Total • Limit applies to: Approved Split Purchases under the Xiaomi promotion • Application, registration or activation required. See conditions. • No monthly fee or one-off fee applies for the full Approved Split Purchase tenor. The normal fee amounts are not stated.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 10000 · Applies to: Approved Split Purchases under the Xiaomi promotion · Period: promotion total · Type: limited · Unit: transaction
• Application or registration is required.
• No monthly fee or one-off fee applies for the full Approved Split Purchase tenor. The normal fee amounts are not stated.
• Approved Xiaomi Split Purchases: 2026-06-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Audience: other; Document: Direct invitation from Mox to participate in the selected-customer promotion. • Limit: 1 reward · Promotion Total • Limit applies to: Reward under the selected-customer Split Purchase promotion • Application, registration or activation required. See conditions. • Eligible categories: 借貸/分期付款 • The customer must have no previously approved Split Purchase. • Apply during the Promotion Period for one or more eligible Mox Credit transactions or an eligible statement balance, with total principal of at least HKD5,000 and a tenor of at least 6 months. • Mox must approve the Split Purchase by 2027-01-01. Only one reward is allowed and it is based on the first eligible Split Purchase approved. • The customer must receive a direct Mox invitation to participate. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; no Mox account may be suspended, in arrears, or in default. • The eligible Split Purchase must not be cancelled. • Mox will pay the reward by the last day of the second calendar month after approval.

• Eligibility: Audience: other · Document: Direct invitation from Mox to participate in the selected customer promotion.
• Eligible spending: Applies to: 借貸/分期付款 · Type: category
• Benefit limit: Amount: 1 · Applies to: Reward under the selected customer Split Purchase promotion · Period: promotion total · Type: limited · Unit: reward
• Application or registration is required.
• The customer must have no previously approved Split Purchase.
• Apply during the Promotion Period for one or more eligible Mox Credit transactions or an eligible statement balance, with total principal of at least HKD5,000 and a tenor of at least 6 months.
• Mox must approve the Split Purchase by 2027-01-01. Only one reward is allowed and it is based on the first eligible Split Purchase approved.
• The customer must receive a direct Mox invitation to participate.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; no Mox account may be suspended, in arrears, or in default.
• The eligible Split Purchase must not be cancelled.
• Mox will pay the reward by the last day of the second calendar month after approval.
• Split Purchase application: 2026-01-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a new Mox Account. • Limit: 1 reward · Promotion Total • Limit applies to: Savings Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Complete Mox account opening within 15 days after using the invitation or referral code. • Transfer at least HKD50,000 to a Mox HKD savings account by the end of the 7-day fund-in period after the Joining Day or Enrollment Time. • Maintain at least HKD50,000 in Mox HKD savings accounts on every calendar day during the 29-day hold period after the fund-in period; time deposits do not count. • If the balance falls below HKD50,000 at any point in the hold period, the reward is not payable. Only one Savings Reward is allowed; delivery is due by 2027-03-31. • The new-customer rule excludes a Mox Account held in the customer's name during the 12 months before the Joining Day. • Complete the Mox Credit application and receive approval within 30 days after the Joining Day or Enrollment Time, as applicable. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a new Mox Account.
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 1 · Applies to: Savings Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Application or registration is required.
• Complete Mox account opening within 15 days after using the invitation or referral code.
• Transfer at least HKD50,000 to a Mox HKD savings account by the end of the 7-day fund-in period after the Joining Day or Enrollment Time.
• Maintain at least HKD50,000 in Mox HKD savings accounts on every calendar day during the 29-day hold period after the fund-in period; time deposits do not count.
• If the balance falls below HKD50,000 at any point in the hold period, the reward is not payable. Only one Savings Reward is allowed; delivery is due by 2027-03-31.
• The new-customer rule excludes a Mox Account held in the customer's name during the 12 months before the Joining Day.
• Complete the Mox Credit application and receive approval within 30 days after the Joining Day or Enrollment Time, as applicable.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion account opening: 2026-05-04 – 2026-12-31

Open source offer ↗