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Alternative offer in the same group; only the best group offer is counted. • Audience: Student • The page states a 5% rebate on Tunnel Tolls; no cap or date rule is stated in the local source. • Application, registration or activation required. See conditions. • Eligible categories: 交通 • The benefit is displayed for Citi Octopus Platinum Card (Student). • The source lists Tunnel Tolls as a 5% rebate service. • The local page does not state a numeric cap, registration step or complete programme terms; linked product details are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 交通 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page states a 5% rebate on Tunnel Tolls; no cap or date rule is stated in the local source.
• Application or registration is required.
• The benefit is displayed for Citi Octopus Platinum Card (Student).
• The source lists Tunnel Tolls as a 5% rebate service.
• The local page does not state a numeric cap, registration step or complete programme terms; linked product details are not used as evidence.

Alternative offer in the same group; only the best group offer is counted. • Audience: Student • The page states a 5% rebate on Parking; no cap or date rule is stated in the local source. • Application, registration or activation required. See conditions. • Eligible categories: 停車場／泊車 • The benefit is displayed for Citi Octopus Platinum Card (Student). • The source lists Parking as a 5% rebate service. • The local page does not state a numeric cap, registration step or complete programme terms; linked product details are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 停車場／泊車 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page states a 5% rebate on Parking; no cap or date rule is stated in the local source.
• Application or registration is required.
• The benefit is displayed for Citi Octopus Platinum Card (Student).
• The source lists Parking as a 5% rebate service.
• The local page does not state a numeric cap, registration step or complete programme terms; linked product details are not used as evidence.

Alternative offer in the same group; only the best group offer is counted. • Audience: Student • The page states a 5% rebate on Electric Vehicle Charge Fees; no cap or date rule is stated in the local source. • Application, registration or activation required. See conditions. • Eligible categories: 汽油／電動車充電 • The benefit is displayed for Citi Octopus Platinum Card (Student). • The source lists Electric Vehicle Charge Fees as a 5% rebate service. • The local page does not state a numeric cap, registration step or complete programme terms; linked product details are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 汽油／電動車充電 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page states a 5% rebate on Electric Vehicle Charge Fees; no cap or date rule is stated in the local source.
• Application or registration is required.
• The benefit is displayed for Citi Octopus Platinum Card (Student).
• The source lists Electric Vehicle Charge Fees as a 5% rebate service.
• The local page does not state a numeric cap, registration step or complete programme terms; linked product details are not used as evidence.

Not counted: overlapping total rewards or incompatible transaction scopes are alternatives; only one compatible reward bundle is counted. • Audience: Student • The source states a single 1% spending-rebate rate and no cap. • Limit: unlimited. • Applies to all eligible spending, subject to the conditions. • The benefit is displayed for Citi The Club Credit Card(Student). • The source states 1% spending rebate at other merchants with no cap. • The local page does not define the merchant categories or complete Clubpoints programme terms; linked terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The source states a single 1% spending rebate rate and no cap.
• The benefit is displayed for Citi The Club Credit Card(Student).
• The source states 1% spending rebate at other merchants with no cap.
• The local page does not define the merchant categories or complete Clubpoints programme terms; linked terms are not used as evidence.

This benefit does not apply to a purchase. • Audience: Student • This is a card-service feature, not a percentage reward or a stated cap. • The benefit is displayed for Citi Octopus Platinum Card (Student). • The page states HK$500 Octopus Automatic Add Value Service, AAVS Embedded. • The local page does not state activation timing or other AAVS terms; linked product details are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card service feature, not a percentage reward or a stated cap.
• The benefit is displayed for Citi Octopus Platinum Card (Student).
• The page states HK$500 Octopus Automatic Add Value Service, AAVS Embedded.
• The local page does not state activation timing or other AAVS terms; linked product details are not used as evidence.

Category or merchant does not match. • Audience: Student • The source states an up-to maximum of 3% but gives no qualifying tier or resolved component rate in the local source. • Eligible categories: 購物 • The benefit is displayed for Citi Rewards Card (Student). • The source states up to 3% Points Rebate for Shopping & Entertainment spend. • The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states an up to maximum of 3% but gives no qualifying tier or resolved component rate in the local source.
• The benefit is displayed for Citi Rewards Card (Student).
• The source states up to 3% Points Rebate for Shopping & Entertainment spend.
• The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The source states an up-to maximum of 3% but gives no qualifying tier or resolved component rate in the local source. • Eligible categories: 娛樂 • The benefit is displayed for Citi Rewards Card (Student). • The source states up to 3% Points Rebate for Shopping & Entertainment spend. • The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 娛樂 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states an up to maximum of 3% but gives no qualifying tier or resolved component rate in the local source.
• The benefit is displayed for Citi Rewards Card (Student).
• The source states up to 3% Points Rebate for Shopping & Entertainment spend.
• The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The page states a 1% Points Rebate for all local mobile payments; no cap or detailed payment-method list is stated in the local source. • Eligible categories: 手機支付 • The benefit is displayed for Citi Rewards Card (Student). • The source states 1% Points Rebate for all local Mobile payments. • The local page does not state a numeric cap or complete programme terms; linked Rewards terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 手機支付 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page states a 1% Points Rebate for all local mobile payments; no cap or detailed payment method list is stated in the local source.
• The benefit is displayed for Citi Rewards Card (Student).
• The source states 1% Points Rebate for all local Mobile payments.
• The local page does not state a numeric cap or complete programme terms; linked Rewards terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The source states an up-to maximum of 3% but gives no qualifying tier or resolved component rate in the local source. • Eligible categories: 購物 • The benefit is displayed for Citi Rewards UnionPay Card(Student). • The source states up to 3% Points Rebate for Shopping & Entertainment spend. • The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states an up to maximum of 3% but gives no qualifying tier or resolved component rate in the local source.
• The benefit is displayed for Citi Rewards UnionPay Card(Student).
• The source states up to 3% Points Rebate for Shopping & Entertainment spend.
• The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The source states an up-to maximum of 3% but gives no qualifying tier or resolved component rate in the local source. • Eligible categories: 娛樂 • The benefit is displayed for Citi Rewards UnionPay Card(Student). • The source states up to 3% Points Rebate for Shopping & Entertainment spend. • The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 娛樂 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states an up to maximum of 3% but gives no qualifying tier or resolved component rate in the local source.
• The benefit is displayed for Citi Rewards UnionPay Card(Student).
• The source states up to 3% Points Rebate for Shopping & Entertainment spend.
• The local page does not state the qualifying tier, cap or detailed merchant rules. The linked Rewards terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The page states a 2% rebate on foreign-currency spending; the same card block states unlimited automatic rebate and no numeric limit is given. • Limit: unlimited. • Eligible categories: 海外簽賬 • The benefit is displayed for Citi Cash Back Card(Student). The page states 2% rebate for foreign currency, local dining and hotel spendings and separately states unlimited automatic rebate. • The local page identifies foreign-currency spending as part of the 2% rebate benefit. • The local page does not state a complete merchant-code definition, exclusion list or date rule; linked product terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The page states a 2% rebate on foreign currency spending; the same card block states unlimited automatic rebate and no numeric limit is given.
• The benefit is displayed for Citi Cash Back Card(Student). The page states 2% rebate for foreign currency, local dining and hotel spendings and separately states unlimited automatic rebate.
• The local page identifies foreign-currency spending as part of the 2% rebate benefit.
• The local page does not state a complete merchant-code definition, exclusion list or date rule; linked product terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The page states a 2% rebate on local dining spending; the same card block states unlimited automatic rebate and no numeric limit is given. • Limit: unlimited. • Eligible categories: 本地餐飲 • The benefit is displayed for Citi Cash Back Card(Student). The page states 2% rebate for foreign currency, local dining and hotel spendings and separately states unlimited automatic rebate. • The local page identifies local dining spending as part of the 2% rebate benefit. • The local page does not state a complete merchant-code definition, exclusion list or date rule; linked product terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The page states a 2% rebate on local dining spending; the same card block states unlimited automatic rebate and no numeric limit is given.
• The benefit is displayed for Citi Cash Back Card(Student). The page states 2% rebate for foreign currency, local dining and hotel spendings and separately states unlimited automatic rebate.
• The local page identifies local dining spending as part of the 2% rebate benefit.
• The local page does not state a complete merchant-code definition, exclusion list or date rule; linked product terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The page states a 2% rebate on hotel spending; the same card block states unlimited automatic rebate and no numeric limit is given. • Limit: unlimited. • Eligible categories: 酒店 • The benefit is displayed for Citi Cash Back Card(Student). The page states 2% rebate for foreign currency, local dining and hotel spendings and separately states unlimited automatic rebate. • The local page identifies hotel spending as part of the 2% rebate benefit. • The local page does not state a complete merchant-code definition, exclusion list or date rule; linked product terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 酒店 · Type: category
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The page states a 2% rebate on hotel spending; the same card block states unlimited automatic rebate and no numeric limit is given.
• The benefit is displayed for Citi Cash Back Card(Student). The page states 2% rebate for foreign currency, local dining and hotel spendings and separately states unlimited automatic rebate.
• The local page identifies hotel spending as part of the 2% rebate benefit.
• The local page does not state a complete merchant-code definition, exclusion list or date rule; linked product terms are not used as evidence.

Category or merchant does not match. • Audience: Student • The source states a points-to-mile earning ratio, not a cash-equivalent percentage. • Eligible categories: 海外簽賬 • The benefit is displayed for Citi PremierMiles Card(Student). • The page states Up to HK$3 = 1 mile for overseas spending. • The local page does not state the exact qualifying tier, cap or detailed programme terms; linked PremierMiles terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a points to mile earning ratio, not a cash equivalent percentage.
• The benefit is displayed for Citi PremierMiles Card(Student).
• The page states Up to HK$3 = 1 mile for overseas spending.
• The local page does not state the exact qualifying tier, cap or detailed programme terms; linked PremierMiles terms are not used as evidence.

The offer is not available on the snapshot weekday or date. • Audience: Student • The source states a points multiplier, not a cash-equivalent percentage. • Applies to all eligible spending, subject to the conditions. • The benefit is displayed for Citi HKTVmall Card(Student). • The source states 5X points for non-HKTVmall spending every Monday. • The local page does not state the base-points definition, cap or detailed eligibility terms; linked programme details are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a points multiplier, not a cash equivalent percentage.
• The benefit is displayed for Citi HKTVmall Card(Student).
• The source states 5X points for non-HKTVmall spending every Monday.
• The local page does not state the base-points definition, cap or detailed eligibility terms; linked programme details are not used as evidence.

The offer is not available on the snapshot weekday or date. • Audience: Student • The source states a 5% instant discount; no numeric cap is stated. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: citi-hktvmall-card-payment-channel • Merchants: hktvmall • Eligible merchants: hktvmall • The benefit is displayed for Citi HKTVmall Card(Student). • The discount applies every Thursday at HKTVmall. • The footnote states that the discount is reflected instantly after selecting the Citi HKTVmall Card Payment Channel and entering the relevant coupon code; the code is communicated through the HKTVmall app or other channels. • The local source does not state an expiry date or excluded-item list.

• Eligibility: Audience: student
• Eligible spending: Applies to: hktvmall · Type: merchant
• Requirements: Pay with: citi hktvmall card payment channel
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 5% instant discount; no numeric cap is stated.
• Application or registration is required.
• The benefit is displayed for Citi HKTVmall Card(Student).
• The discount applies every Thursday at HKTVmall.
• The footnote states that the discount is reflected instantly after selecting the Citi HKTVmall Card Payment Channel and entering the relevant coupon code; the code is communicated through the HKTVmall app or other channels.
• The local source does not state an expiry date or excluded-item list.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • The source states 5% off Apple Products and a maximum saving of HK$650. • Limit: 650 HKD · Promotion Total • Limit applies to: Apple Products saving under the 2026 Campus Perk • Eligible categories: 電子產品 • University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants. • The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website. • Quota availability applies on a first-come-first-served basis while the quota lasts. • This Apple Products rule is shown for the following listed institutions: The University of Hong Kong, The Hong Kong University of Science and Technology, HKU SPACE, Hong Kong Baptist University, The Hong Kong Polytechnic University, The Hong Kong Metropolitan University, Hong Kong Shue Yan University, PolyU HKCC / SPEED, Tung Wah College. • The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred. • The Apple Products panel requires spending HK$3,500 or above for 5% off and states save up to HK$650.

• Eligibility: Audience: student
• Eligible spending: Applies to: 電子產品 · Type: category
• Benefit limit: Amount: 650 · Applies to: Apple Products saving under the 2026 Campus Perk · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: The source states 5% off Apple Products and a maximum saving of HK$650.
• The complete list of eligible merchants is not available.
• University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants.
• The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website.
• Quota availability applies on a first-come-first-served basis while the quota lasts.
• This Apple Products rule is shown for the following listed institutions: The University of Hong Kong, The Hong Kong University of Science and Technology, HKU SPACE, Hong Kong Baptist University, The Hong Kong Polytechnic University, The Hong Kong Metropolitan University, Hong Kong Shue Yan University, PolyU HKCC / SPEED, Tung Wah College.
• The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred.
• The Apple Products panel requires spending HK$3,500 or above for 5% off and states save up to HK$650.
• 2026 Campus Perk Apple Products discount: Now – 2026-10-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • The source states a fixed e-voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table. • Limit: 175 HKD · Per Transaction • Limit applies to: HK$3,500-HK$3,999 Apple Products csl e-Voucher • Minimum spend: Period: per_transaction; Spend: 3500 • Eligibility: Transaction Spend Below: 4000 • Eligible categories: 電子產品 • University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants. • The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website. • Quota availability applies on a first-come-first-served basis while the quota lasts. • This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council. • The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred. • The Apple Products table awards HK$175 in csl e-Vouchers for a single net transaction amount of HK$3,500-HK$3,999. • The table also describes the voucher distribution; the local source gives no additional redemption conditions.

• Eligibility: Audience: student
• Eligible spending: Applies to: 電子產品 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$3,500.00
• Requirements: Transaction Spend Below Cents: HK$4,000.00
• Benefit limit: Amount: 175 · Applies to: HK$3,500 HK$3,999 Apple Products csl e Voucher · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: The source states a fixed e voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table.
• The complete list of eligible merchants is not available.
• University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants.
• The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website.
• Quota availability applies on a first-come-first-served basis while the quota lasts.
• This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council.
• The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred.
• The Apple Products table awards HK$175 in csl e-Vouchers for a single net transaction amount of HK$3,500-HK$3,999.
• The table also describes the voucher distribution; the local source gives no additional redemption conditions.
• 2026 Campus Perk Apple Products csl e-Voucher offer: Now – 2026-11-30

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • The source states a fixed e-voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table. • Limit: 200 HKD · Per Transaction • Limit applies to: HK$4,000-HK$7,999 Apple Products csl e-Voucher • Minimum spend: Period: per_transaction; Spend: 4000 • Eligibility: Transaction Spend Below: 8000 • Eligible categories: 電子產品 • University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants. • The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website. • Quota availability applies on a first-come-first-served basis while the quota lasts. • This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council. • The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred. • The Apple Products table awards HK$200 in csl e-Vouchers for a single net transaction amount of HK$4,000-HK$7,999. • The table also describes the voucher distribution; the local source gives no additional redemption conditions.

• Eligibility: Audience: student
• Eligible spending: Applies to: 電子產品 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$4,000.00
• Requirements: Transaction Spend Below Cents: HK$8,000.00
• Benefit limit: Amount: 200 · Applies to: HK$4,000 HK$7,999 Apple Products csl e Voucher · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: The source states a fixed e voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table.
• The complete list of eligible merchants is not available.
• University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants.
• The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website.
• Quota availability applies on a first-come-first-served basis while the quota lasts.
• This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council.
• The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred.
• The Apple Products table awards HK$200 in csl e-Vouchers for a single net transaction amount of HK$4,000-HK$7,999.
• The table also describes the voucher distribution; the local source gives no additional redemption conditions.
• 2026 Campus Perk Apple Products csl e-Voucher offer: Now – 2026-11-30

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • The source states a fixed e-voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table. • Limit: 400 HKD · Per Transaction • Limit applies to: HK$8,000-HK$12,999 Apple Products csl e-Voucher • Minimum spend: Period: per_transaction; Spend: 8000 • Eligibility: Transaction Spend Below: 13000 • Eligible categories: 電子產品 • University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants. • The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website. • Quota availability applies on a first-come-first-served basis while the quota lasts. • This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council. • The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred. • The Apple Products table awards HK$400 in csl e-Vouchers for a single net transaction amount of HK$8,000-HK$12,999. • The table also describes the voucher distribution; the local source gives no additional redemption conditions.

• Eligibility: Audience: student
• Eligible spending: Applies to: 電子產品 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$8,000.00
• Requirements: Transaction Spend Below Cents: HK$13,000.00
• Benefit limit: Amount: 400 · Applies to: HK$8,000 HK$12,999 Apple Products csl e Voucher · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: The source states a fixed e voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table.
• The complete list of eligible merchants is not available.
• University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants.
• The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website.
• Quota availability applies on a first-come-first-served basis while the quota lasts.
• This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council.
• The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred.
• The Apple Products table awards HK$400 in csl e-Vouchers for a single net transaction amount of HK$8,000-HK$12,999.
• The table also describes the voucher distribution; the local source gives no additional redemption conditions.
• 2026 Campus Perk Apple Products csl e-Voucher offer: Now – 2026-11-30

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • The source states a fixed e-voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table. • Limit: 650 HKD · Per Transaction • Limit applies to: HK$13,000 or above Apple Products csl e-Voucher • Minimum spend: Period: per_transaction; Spend: 13000 • Eligible categories: 電子產品 • University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants. • The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website. • Quota availability applies on a first-come-first-served basis while the quota lasts. • This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council. • The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred. • The Apple Products table awards HK$650 in csl e-Vouchers for a single net transaction amount of HK$13,000 or above. • The table also describes the voucher distribution; the local source gives no additional redemption conditions.

• Eligibility: Audience: student
• Eligible spending: Applies to: 電子產品 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$13,000.00
• Benefit limit: Amount: 650 · Applies to: HK$13,000 or above Apple Products csl e Voucher · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: The source states a fixed e voucher amount for a single net transaction tier; no percentage basis is inferred from the voucher table.
• The complete list of eligible merchants is not available.
• University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants.
• The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website.
• Quota availability applies on a first-come-first-served basis while the quota lasts.
• This Apple Products rule is shown for the following listed institutions: The Hang Seng University of Hong Kong, Lingnan University, Vocational Training Council.
• The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred.
• The Apple Products table awards HK$650 in csl e-Vouchers for a single net transaction amount of HK$13,000 or above.
• The table also describes the voucher distribution; the local source gives no additional redemption conditions.
• 2026 Campus Perk Apple Products csl e-Voucher offer: Now – 2026-11-30

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • The source states 5% off Windows Products and a maximum saving of HK$400. • Limit: 400 HKD · Promotion Total • Limit applies to: Standard Windows Products saving under the 2026 Campus Perk • Minimum spend: Period: per_transaction; Spend: 5500 • Eligible categories: 電子產品 • University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants. • The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website. • Quota availability applies on a first-come-first-served basis while the quota lasts. • This Windows Products rule is shown for the following listed institutions: Canadian University Association, Caritas Institute of Community Education, City University of Hong Kong, Gratia Christian College, HKU SPACE, Hong Kong Baptist University, Hong Kong Chu Hai College, Hong Kong College of Technology, Hong Kong Institute of Construction, Hong Kong Nang Yan College of Higher Education, Hong Kong Shue Yan University, Lingnan University, PolyU HKCC / SPEED, RSEFHK Maria College, Saint Francis University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hang Seng University of Hong Kong, The Hong Kong Academy for Performing Arts, The Hong Kong Metropolitan University, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology, The University of Hong Kong, Tung Wah College, UOW College Hong Kong, Vocational Training Council, Yew Chung College of Early Childhood Education. • The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred. • The standard Windows Products panel requires spending HK$5,500 or above for 5% off and states save up to HK$400.

• Eligibility: Audience: student
• Eligible spending: Applies to: 電子產品 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$5,500.00
• Benefit limit: Amount: 400 · Applies to: Standard Windows Products saving under the 2026 Campus Perk · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: The source states 5% off Windows Products and a maximum saving of HK$400.
• The complete list of eligible merchants is not available.
• University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants.
• The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website.
• Quota availability applies on a first-come-first-served basis while the quota lasts.
• This Windows Products rule is shown for the following listed institutions: Canadian University Association, Caritas Institute of Community Education, City University of Hong Kong, Gratia Christian College, HKU SPACE, Hong Kong Baptist University, Hong Kong Chu Hai College, Hong Kong College of Technology, Hong Kong Institute of Construction, Hong Kong Nang Yan College of Higher Education, Hong Kong Shue Yan University, Lingnan University, PolyU HKCC / SPEED, RSEFHK Maria College, Saint Francis University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hang Seng University of Hong Kong, The Hong Kong Academy for Performing Arts, The Hong Kong Metropolitan University, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology, The University of Hong Kong, Tung Wah College, UOW College Hong Kong, Vocational Training Council, Yew Chung College of Early Childhood Education.
• The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred.
• The standard Windows Products panel requires spending HK$5,500 or above for 5% off and states save up to HK$400.
• 2026 Campus Perk Windows Products standard discount: Now – 2026-11-30

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • The source states 5% off Windows Products in a Flash Deal and a maximum saving of HK$650. • Limit: 650 HKD · Promotion Total • Limit applies to: Windows Products Flash Deal saving • Minimum spend: Period: per_transaction; Spend: 3500 • Eligible categories: 電子產品 • University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants. • The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website. • Quota availability applies on a first-come-first-served basis while the quota lasts. • This Windows Products rule is shown for the following listed institutions: Canadian University Association, Caritas Institute of Community Education, City University of Hong Kong, Gratia Christian College, HKU SPACE, Hong Kong Baptist University, Hong Kong Chu Hai College, Hong Kong College of Technology, Hong Kong Institute of Construction, Hong Kong Nang Yan College of Higher Education, Hong Kong Shue Yan University, Lingnan University, PolyU HKCC / SPEED, RSEFHK Maria College, Saint Francis University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hang Seng University of Hong Kong, The Hong Kong Academy for Performing Arts, The Hong Kong Metropolitan University, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology, The University of Hong Kong, Tung Wah College, UOW College Hong Kong, Vocational Training Council, Yew Chung College of Early Childhood Education. • The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred. • The Flash Deal requires spending HK$3,500 or above for 5% off and states save up to HK$650. • The Flash Deal also includes a free Starbucks tall-sized beverage. The local source gives no beverage value, quantity or redemption rule, so it is preserved as a constraint and not a separate countable reward.

• Eligibility: Audience: student
• Eligible spending: Applies to: 電子產品 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$3,500.00
• Benefit limit: Amount: 650 · Applies to: Windows Products Flash Deal saving · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: The source states 5% off Windows Products in a Flash Deal and a maximum saving of HK$650.
• The complete list of eligible merchants is not available.
• University and college students can use a Citi Mastercard Credit Card to purchase designated smart devices at participating merchants.
• The page states that eligible institutions and participating computer brands should be checked against the latest lists on each participating merchant website.
• Quota availability applies on a first-come-first-served basis while the quota lasts.
• This Windows Products rule is shown for the following listed institutions: Canadian University Association, Caritas Institute of Community Education, City University of Hong Kong, Gratia Christian College, HKU SPACE, Hong Kong Baptist University, Hong Kong Chu Hai College, Hong Kong College of Technology, Hong Kong Institute of Construction, Hong Kong Nang Yan College of Higher Education, Hong Kong Shue Yan University, Lingnan University, PolyU HKCC / SPEED, RSEFHK Maria College, Saint Francis University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hang Seng University of Hong Kong, The Hong Kong Academy for Performing Arts, The Hong Kong Metropolitan University, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology, The University of Hong Kong, Tung Wah College, UOW College Hong Kong, Vocational Training Council, Yew Chung College of Early Childhood Education.
• The local source does not provide a complete recognizable merchant list, so no merchant ID is inferred.
• The Flash Deal requires spending HK$3,500 or above for 5% off and states save up to HK$650.
• The Flash Deal also includes a free Starbucks tall-sized beverage. The local source gives no beverage value, quantity or redemption rule, so it is preserved as a constraint and not a separate countable reward.
• 2026 Campus Perk Windows Products Flash Deal: Now – 2026-10-31

This benefit does not apply to a purchase. • Audience: Student • This is a financing term; the local KFS gives no percentage or fixed cash-equivalent comparison basis. • The Citi Credit Card Key Facts Statement and Fees Schedule states an effective date of December 1, 2025. • The KFS states an interest-free period of up to 58 days for retail purchases. • The local KFS does not name each student-card variant separately; it presents the term for Other Citi Credit Cards.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a financing term; the local KFS gives no percentage or fixed cash equivalent comparison basis.
• The Citi Credit Card Key Facts Statement and Fees Schedule states an effective date of December 1, 2025.
• The KFS states an interest-free period of up to 58 days for retail purchases.
• The local KFS does not name each student-card variant separately; it presents the term for Other Citi Credit Cards.

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • Threshold-equivalent calculation: HK$200 ÷ HK$2,000 × 100 = 10%; no rounding was needed. The HK$2,000 minimum spend applies within 2 months from issuance. The effective rate decreases as qualifying spend exceeds HK$2,000. • Limit applies to: welcome cash rebate • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Spend HK$2,000 or more with the new card within 2 months from card issuance. • Activate the related BEA Credit Card successfully through BEA Mobile. • Unknown: Terms and conditions apply to the welcome gifts and First Time Log In offer, but the terms are not in the allowed HTML. • Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Applies to: welcome cash rebate · Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HK$200 ÷ HK$2,000 × 100 = 10%; no rounding was needed. The HK$2,000 minimum spend applies within 2 months from issuance. The effective rate decreases as qualifying spend exceeds HK$2,000.
• Application or registration is required.
• Spend HK$2,000 or more with the new card within 2 months from card issuance.
• Activate the related BEA Credit Card successfully through BEA Mobile.
• Unknown: Terms and conditions apply to the welcome gifts and First Time Log In offer, but the terms are not in the allowed HTML.
• Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments.

This benefit does not apply to a purchase. • Audience: Student • Limit applies to: first-login rebate • Log in to BEA Mobile for the first time within 2 months from the card issue date. • Unknown: Terms and conditions apply to the welcome gifts and First Time Log In offer, but the terms are not in the allowed HTML.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: first login rebate · Period: not stated · Type: not stated
• Log in to BEA Mobile for the first time within 2 months from the card issue date.
• Unknown: Terms and conditions apply to the welcome gifts and First Time Log In offer, but the terms are not in the allowed HTML.

This benefit does not apply to a purchase. • Audience: Student • Limit applies to: annual fee waiver • The source describes the annual fee waiver as perpetual.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: annual fee waiver · Period: not stated · Type: not stated
• The source describes the annual fee waiver as perpetual.

Category or merchant does not match. • Audience: Student • Limit applies to: BEA Days mobile-payment rebate • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: mobile-payment • Eligible categories: 咖啡店／烘焙／甜品 • Applies to mobile payments at local bakeries. • Registration for BEA Days - mobile payment 12% rebate is required. • Unknown: The page links to more details for the BEA Days mobile-payment rebate; the linked terms are not in the allowed HTML. • Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments. • Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

• Eligibility: Audience: student
• Eligible spending: Applies to: 咖啡店／烘焙／甜品 · Type: category
• Requirements: Pay with: mobile payment
• Benefit limit: Applies to: BEA Days mobile payment rebate · Period: not stated · Type: not stated
• Application or registration is required.
• Applies to mobile payments at local bakeries.
• Registration for BEA Days - mobile payment 12% rebate is required.
• Unknown: The page links to more details for the BEA Days mobile-payment rebate; the linked terms are not in the allowed HTML.
• Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments.
• Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

Category or merchant does not match. • Audience: Student • Limit applies to: BEA Days mobile-payment rebate • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: mobile-payment • Eligible categories: 快餐 • Applies to mobile payments at fast food restaurants. • Registration for BEA Days - mobile payment 12% rebate is required. • Unknown: The page links to more details for the BEA Days mobile-payment rebate; the linked terms are not in the allowed HTML. • Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments. • Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

• Eligibility: Audience: student
• Eligible spending: Applies to: 快餐 · Type: category
• Requirements: Pay with: mobile payment
• Benefit limit: Applies to: BEA Days mobile payment rebate · Period: not stated · Type: not stated
• Application or registration is required.
• Applies to mobile payments at fast food restaurants.
• Registration for BEA Days - mobile payment 12% rebate is required.
• Unknown: The page links to more details for the BEA Days mobile-payment rebate; the linked terms are not in the allowed HTML.
• Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments.
• Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

Category or merchant does not match. • Audience: Student • Limit applies to: BEA Days mobile-payment rebate • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: mobile-payment • Eligible categories: 咖啡店／烘焙／甜品 • Applies to mobile payments at cafes. • Registration for BEA Days - mobile payment 12% rebate is required. • Unknown: The page links to more details for the BEA Days mobile-payment rebate; the linked terms are not in the allowed HTML. • Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments. • Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

• Eligibility: Audience: student
• Eligible spending: Applies to: 咖啡店／烘焙／甜品 · Type: category
• Requirements: Pay with: mobile payment
• Benefit limit: Applies to: BEA Days mobile payment rebate · Period: not stated · Type: not stated
• Application or registration is required.
• Applies to mobile payments at cafes.
• Registration for BEA Days - mobile payment 12% rebate is required.
• Unknown: The page links to more details for the BEA Days mobile-payment rebate; the linked terms are not in the allowed HTML.
• Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments.
• Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

Category or merchant does not match. • Audience: Student • Limit applies to: department-store Bonus Points • Eligible categories: 百貨公司 • Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments. • Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

• Eligibility: Audience: student
• Eligible spending: Applies to: 百貨公司 · Type: category
• Benefit limit: Applies to: department store Bonus Points · Period: not stated · Type: not stated
• Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments.
• Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.
• Department-store transactions qualify for extra Bonus Points.: 2021-04-24 – Not stated

This benefit does not apply to a purchase. • Audience: Student • Limit applies to: offer benefit

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: offer benefit · Period: not stated · Type: not stated

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Limit applies to: dining discounts • Eligible categories: 餐飲 • Participating restaurants, discount values, and detailed terms are not stated in the allowed HTML.

• Eligibility: Audience: student
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Applies to: dining discounts · Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• Participating restaurants, discount values, and detailed terms are not stated in the allowed HTML.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Limit applies to: shopping discounts • Eligible categories: 購物 • Participating shops, discount values, and detailed terms are not stated in the allowed HTML.

• Eligibility: Audience: student
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Applies to: shopping discounts · Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• Participating shops, discount values, and detailed terms are not stated in the allowed HTML.

Category or merchant does not match. • Audience: Student • Limit: 300 HKD · Per Month • Limit applies to: Combined i-Titanium Extra Reward (i-Dollar) across online-shopping and mobile-payment eligible transactions per Eligible Account • Eligibility: Phase Spend Min: 2000 • Eligible categories: 網上購物 • The Eligible Account must reach HK$2,000 of Basic Reward Eligible Transactions in the calendar month. • The offer applies to online retail spending only. Extra Reward transactions use transaction date. • The HK$300 monthly cap is shared with mobile-payment Extra Reward. • Supermarket, travel-agency and Government Department transactions, recurring transactions and autopay transactions are not eligible for Extra Reward. • Only retail transactions qualify. BEA determines eligibility by transaction type and merchant code. Cancelled, refunded, unposted or fraudulent transactions do not qualify; the account must remain valid. • Principal and supplementary cards share one Eligible Account. Extra Reward is credited to the principal account on the 16th of the next calendar month. Cash rebate is rounded down to the nearest Hong Kong dollar. • Applies to all online spending all year round. • The source states that the combined 4% consists of the 0.4% Basic Reward and 3.6% Extra Reward; do not add a separate 4% offer. • Unknown: The page links to BEA Credit Cards -- Privilege Services and Spending Reward for details; the linked terms are not in the allowed HTML. • Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments. • Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.

• Eligibility: Audience: student
• Eligible spending: Applies to: 網上購物 · Type: category
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 300 · Applies to: Combined i Titanium Extra Reward (i Dollar) across online shopping and mobile payment eligible transactions per Eligible Account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The Eligible Account must reach HK$2,000 of Basic Reward Eligible Transactions in the calendar month.
• The offer applies to online retail spending only. Extra Reward transactions use transaction date.
• The HK$300 monthly cap is shared with mobile-payment Extra Reward.
• Supermarket, travel-agency and Government Department transactions, recurring transactions and autopay transactions are not eligible for Extra Reward.
• Only retail transactions qualify. BEA determines eligibility by transaction type and merchant code. Cancelled, refunded, unposted or fraudulent transactions do not qualify; the account must remain valid.
• Principal and supplementary cards share one Eligible Account. Extra Reward is credited to the principal account on the 16th of the next calendar month. Cash rebate is rounded down to the nearest Hong Kong dollar.
• Applies to all online spending all year round.
• The source states that the combined 4% consists of the 0.4% Basic Reward and 3.6% Extra Reward; do not add a separate 4% offer.
• Unknown: The page links to BEA Credit Cards -- Privilege Services and Spending Reward for details; the linked terms are not in the allowed HTML.
• Insurance premium transactions are not eligible for Bonus Points or Cash Rebate, except BEA FTLife Credit Card transactions for FTLife premium payments.
• Transaction categories are determined by merchant codes issued by Mastercard Asia/Pacific.
• i-Titanium Extra Reward (i-Dollar): 2025-01-01 – 2026-12-31

Category or merchant does not match. • Limit: 300 HKD · Per Month • Limit applies to: Combined i-Titanium Extra Reward (i-Dollar) across online-shopping and mobile-payment eligible transactions per Eligible Account • Eligibility: Payment Methods: mobile-payment; Phase Spend Min: 2000 • Eligible categories: 手機支付 • The Eligible Account must reach HK$2,000 of Basic Reward Eligible Transactions in the calendar month. • The offer applies to retail spending made by mobile payment. Apple Pay and Google Pay are examples, not an exhaustive list. Extra Reward transactions use transaction date. • The HK$300 monthly cap is shared with online-shopping Extra Reward. • Supermarket, travel-agency and Government Department transactions, recurring transactions and autopay transactions are not eligible for Extra Reward. • Only retail transactions qualify. BEA determines eligibility by transaction type and merchant code. Cancelled, refunded, unposted or fraudulent transactions do not qualify; the account must remain valid. • Principal and supplementary cards share one Eligible Account. Extra Reward is credited to the principal account on the 16th of the next calendar month. Cash rebate is rounded down to the nearest Hong Kong dollar.

• Eligibility: Audience: all
• Eligible spending: Applies to: 手機支付 · Type: category
• Requirements: Pay with: mobile payment · Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 300 · Applies to: Combined i Titanium Extra Reward (i Dollar) across online shopping and mobile payment eligible transactions per Eligible Account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The Eligible Account must reach HK$2,000 of Basic Reward Eligible Transactions in the calendar month.
• The offer applies to retail spending made by mobile payment. Apple Pay and Google Pay are examples, not an exhaustive list. Extra Reward transactions use transaction date.
• The HK$300 monthly cap is shared with online-shopping Extra Reward.
• Supermarket, travel-agency and Government Department transactions, recurring transactions and autopay transactions are not eligible for Extra Reward.
• Only retail transactions qualify. BEA determines eligibility by transaction type and merchant code. Cancelled, refunded, unposted or fraudulent transactions do not qualify; the account must remain valid.
• Principal and supplementary cards share one Eligible Account. Extra Reward is credited to the principal account on the 16th of the next calendar month. Cash rebate is rounded down to the nearest Hong Kong dollar.
• i-Titanium Extra Reward (i-Dollar): 2025-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Limit applies to: not stated • No interest is charged when the full balance is paid by the due date each month. • The length of the interest-free period depends on when the purchase is made in the statement cycle.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
• No interest is charged when the full balance is paid by the due date each month.
• The length of the interest-free period depends on when the purchase is made in the statement cycle.

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HKD200 / HKD4,000 × 100 = 5%. This uses the HKD200 CashBack saving and HKD4,000 minimum eligible spend. Rounded to 5%. The effective rate decreases above HKD4,000 spend. • Limit applies to: Welcome reward • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 4000 • Applies to all eligible spending, subject to the conditions. • Principal sim Credit Card application during the promotion; no current or card in the prior 12 months, and no non-card loan or credit service/account in the prior 12 months. • Choose this reward during application; otherwise CashBack is the default. Accumulate HKD4,000 in eligible retail purchases within 90 days after card issue. Only one welcome reward; account must remain valid and in good standing. • Eligible purchases exclude fees, bill payments, utilities, tax, donations, insurance, cash or e-money transfers, wallet reloads, instalments, and other listed exclusions. • If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$4,000.00
• Benefit limit: Applies to: Welcome reward · Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HKD200 / HKD4,000 × 100 = 5%. This uses the HKD200 CashBack saving and HKD4,000 minimum eligible spend. Rounded to 5%. The effective rate decreases above HKD4,000 spend.
• Application or registration is required.
• Principal sim Credit Card application during the promotion; no current or card in the prior 12 months, and no non-card loan or credit service/account in the prior 12 months.
• Choose this reward during application; otherwise CashBack is the default. Accumulate HKD4,000 in eligible retail purchases within 90 days after card issue. Only one welcome reward; account must remain valid and in good standing.
• Eligible purchases exclude fees, bill payments, utilities, tax, donations, insurance, cash or e-money transfers, wallet reloads, instalments, and other listed exclusions.
• If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.
• Welcome Offer: 2026-10-01 – 2026-10-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit applies to: Welcome reward • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 4000 • Applies to all eligible spending, subject to the conditions. • Same principal-card, new-customer, and HKD4,000 eligible-spend conditions as the Welcome Offer. • Choose this reward during application. Only one welcome reward; account must remain valid and in good standing. • Gift-card use is subject to supplier terms sent with the redemption notice. • During the overlapping CashBack Promotion Period, if the cardholder is eligible for benefits under another Card Issuer promotion, the issuer may provide benefits under only one promotion.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$4,000.00
• Benefit limit: Applies to: Welcome reward · Period: not stated · Type: not stated
• Application or registration is required.
• Same principal-card, new-customer, and HKD4,000 eligible-spend conditions as the Welcome Offer.
• Choose this reward during application. Only one welcome reward; account must remain valid and in good standing.
• Gift-card use is subject to supplier terms sent with the redemption notice.
• During the overlapping CashBack Promotion Period, if the cardholder is eligible for benefits under another Card Issuer promotion, the issuer may provide benefits under only one promotion.
• Welcome Offer: 2026-10-01 – 2026-10-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit applies to: Welcome reward • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 4000 • Applies to all eligible spending, subject to the conditions. • Same principal-card, new-customer, and HKD4,000 eligible-spend conditions as the Welcome Offer. • Choose this reward during application. Only one welcome reward; account must remain valid and in good standing. • Gift-card use is subject to supplier terms sent with the redemption notice. • During the overlapping CashBack Promotion Period, if the cardholder is eligible for benefits under another Card Issuer promotion, the issuer may provide benefits under only one promotion.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$4,000.00
• Benefit limit: Applies to: Welcome reward · Period: not stated · Type: not stated
• Application or registration is required.
• Same principal-card, new-customer, and HKD4,000 eligible-spend conditions as the Welcome Offer.
• Choose this reward during application. Only one welcome reward; account must remain valid and in good standing.
• Gift-card use is subject to supplier terms sent with the redemption notice.
• During the overlapping CashBack Promotion Period, if the cardholder is eligible for benefits under another Card Issuer promotion, the issuer may provide benefits under only one promotion.
• Welcome Offer: 2026-10-01 – 2026-10-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Limit: 100000 HKD · Per Transaction • Limit applies to: Approved Cash Instalment Amount; also limited to 95% of approved credit limit • Application, registration or activation required. See conditions. • Same eligibility as the Welcome Offer; select this option during application. No spending requirement. • Six-month tenor; monthly handling fee waived. Minimum amount HKD500; maximum is the lower of HKD100,000 or 95% of approved credit limit. Receiving-bank charges may apply. • During the overlapping CashBack Promotion Period, if the cardholder is eligible for benefits under another Card Issuer promotion, the issuer may provide benefits under only one promotion.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 100000 · Applies to: Approved Cash Instalment Amount; also limited to 95% of approved credit limit · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Application or registration is required.
• Same eligibility as the Welcome Offer; select this option during application. No spending requirement.
• Six-month tenor; monthly handling fee waived. Minimum amount HKD500; maximum is the lower of HKD100,000 or 95% of approved credit limit. Receiving-bank charges may apply.
• During the overlapping CashBack Promotion Period, if the cardholder is eligible for benefits under another Card Issuer promotion, the issuer may provide benefits under only one promotion.
• Welcome Offer: 2026-10-01 – 2026-10-31

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Student; Document: Copy of a valid student identity card, verified by the Card Issuer. • Limit applies to: Annual card fee waiver • Application, registration or activation required. See conditions. • Applicant must attend a full-time programme at a listed accredited Hong Kong institution. A student card may be provided after application if it was not supplied during application. • Card account must remain valid and in good standing. The issuer may choose to provide only one promotion when the cardholder qualifies for multiple promotions.

• Eligibility: Audience: student · Document: Copy of a valid student identity card, verified by the Card Issuer.
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Annual card fee waiver · Period: not stated · Type: not stated
• Application or registration is required.
• Applicant must attend a full-time programme at a listed accredited Hong Kong institution. A student card may be provided after application if it was not supplied during application.
• Card account must remain valid and in good standing. The issuer may choose to provide only one promotion when the cardholder qualifies for multiple promotions.
• Student promotion, until further notice: 2026-01-01 – Not stated

Open source offer ↗

Category or merchant does not match. • Limit: 200 HKD · Per Month • Limit applies to: All promotion CashBack per eligible card account • Minimum spend: Period: per_transaction; Spend: 500 • Eligibility: Phase Spend Min: 1000 • Eligible categories: 網上購物 • Rate includes the 0.4% basic rebate. Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card. • Online transaction must be a single net transaction of at least HKD500. Fees, bills, utilities, insurance, transfers, wallet reloads, instalments, and other listed exclusions do not qualify. • If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.

• Eligibility: Audience: all
• Eligible spending: Applies to: 網上購物 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$500.00
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 200 · Applies to: All promotion CashBack per eligible card account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Rate includes the 0.4% basic rebate. Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card.
• Online transaction must be a single net transaction of at least HKD500. Fees, bills, utilities, insurance, transfers, wallet reloads, instalments, and other listed exclusions do not qualify.
• If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.
• CashBack Promotion: 2026-10-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Limit: 200 HKD · Per Month • Limit applies to: All promotion CashBack per eligible card account • Eligibility: Phase Spend Min: 1000 • Merchants: adidas, puma, fila, matsukiyo-hk, tokyo-lifestyle • Eligible merchants: adidas, puma, fila, matsukiyo-hk, tokyo-lifestyle • Rate includes the 0.4% basic rebate. Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card. • Applies to physical stores in Hong Kong; online store purchases are treated as online retail transactions. • If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.

• Eligibility: Audience: all
• Eligible spending: Applies to: adidas / puma / fila / matsukiyo hk / tokyo lifestyle · Type: merchant
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 200 · Applies to: All promotion CashBack per eligible card account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Rate includes the 0.4% basic rebate. Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card.
• Applies to physical stores in Hong Kong; online store purchases are treated as online retail transactions.
• If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.
• CashBack Promotion: 2026-10-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Limit: 200 HKD · Per Month • Limit applies to: All promotion CashBack per eligible card account • Eligibility: Phase Spend Min: 1000 • Eligible categories: 賬單及公用事業 • Rate includes the 0.4% basic rebate. Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card. • Payment must use Pay Bills/Taxes in the sim Credit Card app. Excludes payments to tax authorities, financial institutions, insurers, and charities. • If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.

• Eligibility: Audience: all
• Eligible spending: Applies to: 賬單及公用事業 · Type: category
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 200 · Applies to: All promotion CashBack per eligible card account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Rate includes the 0.4% basic rebate. Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card.
• Payment must use Pay Bills/Taxes in the sim Credit Card app. Excludes payments to tax authorities, financial institutions, insurers, and charities.
• If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.
• CashBack Promotion: 2026-10-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Limit: 200 HKD · Per Month • Limit applies to: All promotion CashBack per eligible card account • Eligibility: Phase Spend Min: 1000 • Eligible categories: 其他 • Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card. • Includes other eligible retail transactions not classified as online, designated local merchant, or local transportation transactions; listed exclusions apply. • If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 200 · Applies to: All promotion CashBack per eligible card account · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Must first spend HKD1,000 on non-online eligible retail transactions in the same calendar month; total promotion cap is HKD600 per card.
• Includes other eligible retail transactions not classified as online, designated local merchant, or local transportation transactions; listed exclusions apply.
• If the cardholder is eligible for benefits under another Card Issuer promotional activity during the CashBack Promotion Period, the Card Issuer may, at its sole and absolute discretion, provide benefits under only one promotion.
• CashBack Promotion: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Interest-free period • Applies to retail purchases when the statement balance is paid in full by the due date; does not apply to cash advances.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Interest free period · Period: not stated · Type: not stated
• Applies to retail purchases when the statement balance is paid in full by the due date; does not apply to cash advances.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: One-off application fee • Application, registration or activation required. See conditions. • For eligible cardholders using the Balance Transfer Instalment Plan; apply through the sim Credit Card app.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: One off application fee · Period: not stated · Type: not stated
• Application or registration is required.
• For eligible cardholders using the Balance Transfer Instalment Plan; apply through the sim Credit Card app.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Instalment plan • Application, registration or activation required. See conditions. • Apply in the app for a single posted Pay Bills/Taxes payment of HKD500 or more to another financial institution; payment date must be the application date. • Personalized monthly fee and term are shown in the application. Account must be in good standing.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Instalment plan · Period: not stated · Type: not stated
• Application or registration is required.
• Apply in the app for a single posted Pay Bills/Taxes payment of HKD500 or more to another financial institution; payment date must be the application date.
• Personalized monthly fee and term are shown in the application. Account must be in good standing.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Instalment plan • Application, registration or activation required. See conditions. • Available to sim Credit Card holders with cash-withdrawal function. Minimum HKD500 in HKD500 increments; aggregate amount cannot exceed 95% of credit limit. • Personalized monthly handling fee and any application fee are in the application. Early settlement handling fee applies.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Instalment plan · Period: not stated · Type: not stated
• Application or registration is required.
• Available to sim Credit Card holders with cash-withdrawal function. Minimum HKD500 in HKD500 increments; aggregate amount cannot exceed 95% of credit limit.
• Personalized monthly handling fee and any application fee are in the application. Early settlement handling fee applies.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Instalment plan • Application, registration or activation required. See conditions. • Apply in the app for one eligible posted retail purchase of HKD500 or more; separate purchases cannot be combined. Account must be in good standing. • Personalized monthly handling fee and any application fee are in the application. Early settlement handling fee applies.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Instalment plan · Period: not stated · Type: not stated
• Application or registration is required.
• Apply in the app for one eligible posted retail purchase of HKD500 or more; separate purchases cannot be combined. Account must be in good standing.
• Personalized monthly handling fee and any application fee are in the application. Early settlement handling fee applies.

Open source offer ↗

Alternative offer in the same group; only the best group offer is counted. • Source-stated maximum: 5X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category cap is HKD100. After the cap, unlimited basic reward remains. • Limit: 100 HKD · Per Month • Limit applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category amount is HKD100. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: physical-card • Eligible categories: 本地交通 • No minimum spend requirement; any eligible transaction can earn the reward. • Registration for the Purple promotion is required. • The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300. • After the monthly extra-reward cap, unlimited basic reward continues. • The stated 15X or 5X points total includes the card basic reward and the promotion extra reward. • Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe. • Specified local transport includes Uber Taxi, MTR, Kowloon Bus, Citybus, Long Win Bus, New Lantau Bus, Hong Kong Tramways, Star Ferry, Hong Kong and Kowloon Ferry, New World First Ferry and High Speed Rail. • Tunnel fees qualify only when paid through Easy Pass using an eligible card. • MTR eligibility is limited to tap-in and tap-out fare transactions; it excludes Airport Express stations, Light Rail, MTR Bus, service-centre purchases, and MTR Mobile purchases of multi-ride tickets or other products. • High Speed Rail tickets must be bought at the ticket counter at Hong Kong West Kowloon Station. • The transaction must be paid with the physical card.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地交通 · Type: category
• Requirements: Pay with: physical card
• Benefit limit: Amount: 100 · Applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category amount is HKD100. · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated maximum: 5X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category cap is HKD100. After the cap, unlimited basic reward remains.
• Application or registration is required.
• No minimum spend requirement; any eligible transaction can earn the reward.
• Registration for the Purple promotion is required.
• The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300.
• After the monthly extra-reward cap, unlimited basic reward continues.
• The stated 15X or 5X points total includes the card basic reward and the promotion extra reward.
• Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe.
• Specified local transport includes Uber Taxi, MTR, Kowloon Bus, Citybus, Long Win Bus, New Lantau Bus, Hong Kong Tramways, Star Ferry, Hong Kong and Kowloon Ferry, New World First Ferry and High Speed Rail.
• Tunnel fees qualify only when paid through Easy Pass using an eligible card.
• MTR eligibility is limited to tap-in and tap-out fare transactions; it excludes Airport Express stations, Light Rail, MTR Bus, service-centre purchases, and MTR Mobile purchases of multi-ride tickets or other products.
• High Speed Rail tickets must be bought at the ticket counter at Hong Kong West Kowloon Station.
• The transaction must be paid with the physical card.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HKD500 ÷ HKD6,000 × 100 = 8.33% at the inclusive minimum; the effective rate can be lower above the threshold. The source states up to HKD500. • Limit: 500 HKD · Promotion Total • Limit applies to: Up to HKD500 welcome rebate • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • For new customers. • Spend at least HKD6,000 with the card within the first 60 days after card issuance. • The reward is issued as points and is subject to the source terms and conditions. • The source states card spending without a category restriction for this welcome spend.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Benefit limit: Amount: 500 · Applies to: Up to HKD500 welcome rebate · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD500 ÷ HKD6,000 × 100 = 8.33% at the inclusive minimum; the effective rate can be lower above the threshold. The source states up to HKD500.
• Application or registration is required.
• For new customers.
• Spend at least HKD6,000 with the card within the first 60 days after card issuance.
• The reward is issued as points and is subject to the source terms and conditions.
• The source states card spending without a category restriction for this welcome spend.
• AEON Card Purple welcome offer: 2025-03-01 – 2027-02-28

New-customer offers are excluded from this purchase comparison. • Customer: New customer • The source states a fixed additional rebate and no separate spending percentage. • Limit: 200 HKD · Promotion Total • Limit applies to: Up to HKD200 additional welcome rebate for an online application • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • Apply for the card online as a new customer. • The online-application reward is shown as additional to the HKD500 welcome spend reward and shares the first-60-days HKD6,000 general card-spend condition with no category restriction. • The headline total of up to HKD700 is the HKD500 base rebate plus this HKD200 additional rebate. • The reward is issued as points and is subject to the source terms and conditions.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Amount: 200 · Applies to: Up to HKD200 additional welcome rebate for an online application · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: The source states a fixed additional rebate and no separate spending percentage.
• Application or registration is required.
• Apply for the card online as a new customer.
• The online-application reward is shown as additional to the HKD500 welcome spend reward and shares the first-60-days HKD6,000 general card-spend condition with no category restriction.
• The headline total of up to HKD700 is the HKD500 base rebate plus this HKD200 additional rebate.
• The reward is issued as points and is subject to the source terms and conditions.
• AEON Card Purple welcome offer: 2025-03-01 – 2027-02-28

This benefit does not apply to a purchase. • This is an insurance benefit, not a spending percentage. • Application, registration or activation required. See conditions. • The page labels this as a limited-time benefit. • The page provides protection details and redemption details; the local source does not provide the full policy terms or a separate validity date.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is an insurance benefit, not a spending percentage.
• Application or registration is required.
• The page labels this as a limited-time benefit.
• The page provides protection details and redemption details; the local source does not provide the full policy terms or a separate validity date.

Category or merchant does not match. • Source-stated maximum: 15X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category cap is HKD100. After the cap, unlimited basic reward remains. • Limit: 100 HKD · Per Month • Limit applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category amount is HKD100. • Application, registration or activation required. See conditions. • Eligibility: One of: Payment Methods: apple-pay OR Payment Methods: google-pay OR Payment Methods: aeon-unionpay-qr-pay OR Payment Methods: yunshanfu-app • Eligible categories: 本地餐飲 • No minimum spend requirement; any eligible transaction can earn the reward. • Registration for the Purple promotion is required. • The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300. • After the monthly extra-reward cap, unlimited basic reward continues. • The stated 15X or 5X points total includes the card basic reward and the promotion extra reward. • Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe. • The category covers any restaurant in Hong Kong. • Dining at AEON Stores is counted as local dining. • It excludes online platforms, banquets, private banquets or parties, food outlets or merchants in hotels, department stores, clubs or clubhouses, and dining services assigned to other spending categories. • Mobile payment includes Apple Pay, Google Pay, AEON UnionPay QR Pay and Yunshanfu App; AEON JCB is not supported for mobile payment.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Requirements: Pay with: apple pay or Pay with: google pay or Pay with: aeon unionpay qr pay or Pay with: yunshanfu app
• Benefit limit: Amount: 100 · Applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category amount is HKD100. · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated maximum: 15X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category cap is HKD100. After the cap, unlimited basic reward remains.
• Application or registration is required.
• No minimum spend requirement; any eligible transaction can earn the reward.
• Registration for the Purple promotion is required.
• The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300.
• After the monthly extra-reward cap, unlimited basic reward continues.
• The stated 15X or 5X points total includes the card basic reward and the promotion extra reward.
• Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe.
• The category covers any restaurant in Hong Kong.
• Dining at AEON Stores is counted as local dining.
• It excludes online platforms, banquets, private banquets or parties, food outlets or merchants in hotels, department stores, clubs or clubhouses, and dining services assigned to other spending categories.
• Mobile payment includes Apple Pay, Google Pay, AEON UnionPay QR Pay and Yunshanfu App; AEON JCB is not supported for mobile payment.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

Category or merchant does not match. • Source-stated maximum: 5X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category cap is HKD100. After the cap, unlimited basic reward remains. • Limit: 100 HKD · Per Month • Limit applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category amount is HKD100. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: physical-card • Eligible categories: 本地餐飲 • No minimum spend requirement; any eligible transaction can earn the reward. • Registration for the Purple promotion is required. • The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300. • After the monthly extra-reward cap, unlimited basic reward continues. • The stated 15X or 5X points total includes the card basic reward and the promotion extra reward. • Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe. • The category covers any restaurant in Hong Kong. • Dining at AEON Stores is counted as local dining. • It excludes online platforms, banquets, private banquets or parties, food outlets or merchants in hotels, department stores, clubs or clubhouses, and dining services assigned to other spending categories. • The transaction must be paid with the physical card.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Requirements: Pay with: physical card
• Benefit limit: Amount: 100 · Applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category amount is HKD100. · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated maximum: 5X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category cap is HKD100. After the cap, unlimited basic reward remains.
• Application or registration is required.
• No minimum spend requirement; any eligible transaction can earn the reward.
• Registration for the Purple promotion is required.
• The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300.
• After the monthly extra-reward cap, unlimited basic reward continues.
• The stated 15X or 5X points total includes the card basic reward and the promotion extra reward.
• Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe.
• The category covers any restaurant in Hong Kong.
• Dining at AEON Stores is counted as local dining.
• It excludes online platforms, banquets, private banquets or parties, food outlets or merchants in hotels, department stores, clubs or clubhouses, and dining services assigned to other spending categories.
• The transaction must be paid with the physical card.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

Merchant eligibility cannot be established from the incomplete source list. • Source-stated maximum: 15X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category cap is HKD100. After the cap, unlimited basic reward remains. • Limit: 100 HKD · Per Month • Limit applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category amount is HKD100. • Application, registration or activation required. See conditions. • Eligibility: One of: Payment Methods: apple-pay OR Payment Methods: google-pay OR Payment Methods: aeon-unionpay-qr-pay OR Payment Methods: yunshanfu-app • Eligible categories: 購物 • No minimum spend requirement; any eligible transaction can earn the reward. • Registration for the Purple promotion is required. • The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300. • After the monthly extra-reward cap, unlimited basic reward continues. • The stated 15X or 5X points total includes the card basic reward and the promotion extra reward. • Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe. • The category covers Hong Kong physical AEON Stores and the AEON online shopping mall, including AEON, AEON STYLE, AEON SUPERMARKET, Daiso Japan, Living PLAZA and Mono Mono. • The local source uses an inclusive brand list and does not provide a complete branch-level merchant list; the listed names are retained in constraints and are not broadened to an exclusive merchant list. • On AEON Stores in-store spending, food transactions count as local dining. • Mobile payment includes Apple Pay, Google Pay, AEON UnionPay QR Pay and Yunshanfu App; AEON JCB is not supported for mobile payment.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Pay with: apple pay or Pay with: google pay or Pay with: aeon unionpay qr pay or Pay with: yunshanfu app
• Benefit limit: Amount: 100 · Applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category amount is HKD100. · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated maximum: 15X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category cap is HKD100. After the cap, unlimited basic reward remains.
• Application or registration is required.
• No minimum spend requirement; any eligible transaction can earn the reward.
• Registration for the Purple promotion is required.
• The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300.
• After the monthly extra-reward cap, unlimited basic reward continues.
• The stated 15X or 5X points total includes the card basic reward and the promotion extra reward.
• Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe.
• The category covers Hong Kong physical AEON Stores and the AEON online shopping mall, including AEON, AEON STYLE, AEON SUPERMARKET, Daiso Japan, Living PLAZA and Mono Mono.
• The local source uses an inclusive brand list and does not provide a complete branch-level merchant list; the listed names are retained in constraints and are not broadened to an exclusive merchant list.
• On AEON Stores in-store spending, food transactions count as local dining.
• Mobile payment includes Apple Pay, Google Pay, AEON UnionPay QR Pay and Yunshanfu App; AEON JCB is not supported for mobile payment.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

Merchant eligibility cannot be established from the incomplete source list. • Source-stated maximum: 5X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category cap is HKD100. After the cap, unlimited basic reward remains. • Limit: 100 HKD · Per Month • Limit applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per-category amount is HKD100. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: physical-card • Eligible categories: 購物 • No minimum spend requirement; any eligible transaction can earn the reward. • Registration for the Purple promotion is required. • The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300. • After the monthly extra-reward cap, unlimited basic reward continues. • The stated 15X or 5X points total includes the card basic reward and the promotion extra reward. • Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe. • The category covers Hong Kong physical AEON Stores and the AEON online shopping mall, including AEON, AEON STYLE, AEON SUPERMARKET, Daiso Japan, Living PLAZA and Mono Mono. • The local source uses an inclusive brand list and does not provide a complete branch-level merchant list; the listed names are retained in constraints and are not broadened to an exclusive merchant list. • On AEON Stores in-store spending, food transactions count as local dining. • The transaction must be paid with the physical card.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Pay with: physical card
• Benefit limit: Amount: 100 · Applies to: Additional reward cap: 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category amount is HKD100. · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated maximum: 5X points includes the basic and additional rewards. The additional reward cap is 25,000 points per eligible category per month; the source states 75,000 points total equals up to HKD300, so the corresponding per category cap is HKD100. After the cap, unlimited basic reward remains.
• Application or registration is required.
• No minimum spend requirement; any eligible transaction can earn the reward.
• Registration for the Purple promotion is required.
• The extra reward is capped at 25,000 points per eligible category per month per cardholder; three categories total 75,000 points, stated as up to HKD300.
• After the monthly extra-reward cap, unlimited basic reward continues.
• The stated 15X or 5X points total includes the card basic reward and the promotion extra reward.
• Food, living and transport transactions exclude payments made through electronic wallets, including AlipayHK, WeChat Pay HK, WeChat Pay, Alipay and PayMe.
• The category covers Hong Kong physical AEON Stores and the AEON online shopping mall, including AEON, AEON STYLE, AEON SUPERMARKET, Daiso Japan, Living PLAZA and Mono Mono.
• The local source uses an inclusive brand list and does not provide a complete branch-level merchant list; the listed names are retained in constraints and are not broadened to an exclusive merchant list.
• On AEON Stores in-store spending, food transactions count as local dining.
• The transaction must be paid with the physical card.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

Category or merchant does not match. • The source states 95折 and does not state a standalone discount percentage; no percentage was calculated. • Application, registration or activation required. See conditions. • Eligible categories: 購物 • Applies to eligible AEON Stores spending on the 2nd and 20th of each month. • Registration for the Purple promotion is required. • The source states an additional 95折 discount; no separate merchant list is inferred.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states 95折 and does not state a standalone discount percentage; no percentage was calculated.
• Application or registration is required.
• Applies to eligible AEON Stores spending on the 2nd and 20th of each month.
• Registration for the Purple promotion is required.
• The source states an additional 95折 discount; no separate merchant list is inferred.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

Category or merchant does not match. • The local source does not state a cash-equivalent percentage for this basic reward. • Limit: unlimited. • Application, registration or activation required. See conditions. • Eligible categories: 本地餐飲 • Registration for the Purple promotion is required. • After the local-dining additional-reward cap, the source states that basic reward continues without a cap. • The source does not state the cash-equivalent rate for this basic reward.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The local source does not state a cash equivalent percentage for this basic reward.
• Application or registration is required.
• Registration for the Purple promotion is required.
• After the local-dining additional-reward cap, the source states that basic reward continues without a cap.
• The source does not state the cash-equivalent rate for this basic reward.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

Category or merchant does not match. • The local source states a points tier but does not state a cash-equivalent percentage for this basic reward. • Limit: unlimited. • Application, registration or activation required. See conditions. • Eligible categories: 購物 • Registration for the Purple promotion is required. • After the AEON Stores additional-reward cap, the source states that up to 3X basic points continue without a cap. • The source does not state a cash-equivalent rate for this basic reward.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The local source states a points tier but does not state a cash equivalent percentage for this basic reward.
• Application or registration is required.
• Registration for the Purple promotion is required.
• After the AEON Stores additional-reward cap, the source states that up to 3X basic points continue without a cap.
• The source does not state a cash-equivalent rate for this basic reward.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

No comparable purchase saving is specified for this benefit type. • The local source does not state a cash-equivalent percentage for this basic reward. • Limit: unlimited. • Application, registration or activation required. See conditions. • Eligible categories: 本地交通 • Registration for the Purple promotion is required. • After the local-transport additional-reward cap, the source states that basic reward continues without a cap. • The source does not state the cash-equivalent rate for this basic reward.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地交通 · Type: category
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The local source does not state a cash equivalent percentage for this basic reward.
• Application or registration is required.
• Registration for the Purple promotion is required.
• After the local-transport additional-reward cap, the source states that basic reward continues without a cap.
• The source does not state the cash-equivalent rate for this basic reward.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

Category or merchant does not match. • The local source states a basic-points benefit but does not state a cash-equivalent percentage. • Limit: unlimited. • Application, registration or activation required. See conditions. • Eligible categories: 其他 • Registration for the Purple promotion is required. • The source places other eligible card spending in the unlimited basic-reward row. • The source shows no extra reward for other spending and does not state the cash-equivalent rate for the basic reward.

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The local source states a basic points benefit but does not state a cash equivalent percentage.
• Application or registration is required.
• Registration for the Purple promotion is required.
• The source places other eligible card spending in the unlimited basic-reward row.
• The source shows no extra reward for other spending and does not state the cash-equivalent rate for the basic reward.
• AEON Card Purple 紫「賞」生活 promotion: 2025-03-10 – 2027-02-28

This benefit does not apply to a purchase. • This is a card service benefit, not a spending percentage. • The AEON Card Purple series comparison lists multiple global privileges for the AEON Visa Credit Card.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card service benefit, not a spending percentage.
• The AEON Card Purple series comparison lists multiple global privileges for the AEON Visa Credit Card.

This benefit does not apply to a purchase. • This is a card service benefit, not a spending percentage. • The AEON Card Purple series comparison lists Visa Platinum Concierge Service for the AEON Visa Credit Card.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card service benefit, not a spending percentage.
• The AEON Card Purple series comparison lists Visa Platinum Concierge Service for the AEON Visa Credit Card.

This benefit does not apply to a purchase. • This is a card-access feature, not a spending percentage. • Application, registration or activation required. See conditions. • The page describes a virtual card that can be used online and offline after issue or confirmation. • Card details can be viewed in the AEON HK mobile app and the virtual card can be added to mobile payment for in-store payment. • The local tutorial states that use is available after virtual-card confirmation.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card access feature, not a spending percentage.
• Application or registration is required.
• The page describes a virtual card that can be used online and offline after issue or confirmation.
• Card details can be viewed in the AEON HK mobile app and the virtual card can be added to mobile payment for in-store payment.
• The local tutorial states that use is available after virtual-card confirmation.

This benefit does not apply to a purchase. • An interest-free instalment plan is not a spending percentage. • Application, registration or activation required. See conditions. • The plan is available only to specified AEON credit-card holders and each application must be approved by AEON. • After approval, the instalment application and purchase cannot be cancelled under the local terms. • The purchase amount is repaid through monthly instalments. • The Purple page includes AEON merchant interest-free instalment purchases in the AEON Stores eligible range.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: An interest free instalment plan is not a spending percentage.
• Application or registration is required.
• The plan is available only to specified AEON credit-card holders and each application must be approved by AEON.
• After approval, the instalment application and purchase cannot be cancelled under the local terms.
• The purchase amount is repaid through monthly instalments.
• The Purple page includes AEON merchant interest-free instalment purchases in the AEON Stores eligible range.

This benefit does not apply to a purchase. • This is a payment service, not a spending percentage. • Application, registration or activation required. See conditions. • The local form is an AEON Card Octopus Automatic Add Value Service application. • Each account holder may link one personal Octopus and up to three Octopus belonging to family members, friends or relatives. • Applicants must be at least 12 years old and the service requires application and activation. • The application form states that each automatic add-value amount is HKD500.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a payment service, not a spending percentage.
• Application or registration is required.
• The local form is an AEON Card Octopus Automatic Add Value Service application.
• Each account holder may link one personal Octopus and up to three Octopus belonging to family members, friends or relatives.
• Applicants must be at least 12 years old and the service requires application and activation.
• The application form states that each automatic add-value amount is HKD500.

This benefit does not apply to a purchase. • Customer: New customer • This is a service-fee waiver, not a spending percentage. • Application, registration or activation required. See conditions. • The first AAVS application has no application fee. • A non-refundable HKD20 handling fee applies when transferring the AAVS from another financial institution or reactivating it after suspension or cancellation.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a service fee waiver, not a spending percentage.
• Application or registration is required.
• The first AAVS application has no application fee.
• A non-refundable HKD20 handling fee applies when transferring the AAVS from another financial institution or reactivating it after suspension or cancellation.

This benefit does not apply to a purchase. • This is loss protection, not a spending percentage. • Application, registration or activation required. See conditions. • The Octopus must be linked to the Automatic Add Value Service. • The holder must report the loss to Octopus Cards Limited immediately. • The source states protection for the Octopus balance and amounts added through AAVS after the successful loss report, subject to the stated three-hour period.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is loss protection, not a spending percentage.
• Application or registration is required.
• The Octopus must be linked to the Automatic Add Value Service.
• The holder must report the loss to Octopus Cards Limited immediately.
• The source states protection for the Octopus balance and amounts added through AAVS after the successful loss report, subject to the stated three-hour period.

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HKD500 fixed reward ÷ HKD5,000 minimum eligible spending = 10.0% at the threshold. Effective rate changes when eligible spending exceeds the minimum. • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • Applicant must not hold a principal card of any type issued by the Bank in Hong Kong at the time of application or during the past 12 months; supplementary cards are excluded from this test. • Applicable to a successful principal-card applicant for a Greater Bay Area CUP Dual Currency Diamond Card during the Promotion Period. • Accumulate eligible spending of HKD/RMB5,000 or above within the first 3 months from new card issuance; supplementary-card spending combines with the related principal card. • Eligible transactions by physical card or Apple Pay include local, overseas, and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS transactions, and cash advances. • Exclude cash or purchase instalments, balance transfers, MPF/SVC contributions, Bank online-banking bill payments, casino chips, traveller's cheques, all credit-card charges, and transactions designated by the Bank. • Convert non-HKD transactions at the Visa International or UnionPay International rate; for this card, RMB1 equals HKD1 for eligible retail spending. • Unposted, cancelled, refunded, fraudulent, or otherwise ineligible transactions do not count; eligible transactions must post to the designated account within the first 3 months. • The HKD500 spending rebate is credited to the eligible principal-card HKD account within 2 months after the month in which the requirement is met and is for future retail spending only. • The card account must remain valid and in good credit standing during the Promotion Period and fulfilment period. • The Bank may charge an administrative fee of HKD600 for card cancellation within 13 months, or for an ineligible or duplicate gift, ineligible spending, or fraud or abuse.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HKD500 fixed reward ÷ HKD5,000 minimum eligible spending = 10.0% at the threshold. Effective rate changes when eligible spending exceeds the minimum.
• Application or registration is required.
• Applicant must not hold a principal card of any type issued by the Bank in Hong Kong at the time of application or during the past 12 months; supplementary cards are excluded from this test.
• Applicable to a successful principal-card applicant for a Greater Bay Area CUP Dual Currency Diamond Card during the Promotion Period.
• Accumulate eligible spending of HKD/RMB5,000 or above within the first 3 months from new card issuance; supplementary-card spending combines with the related principal card.
• Eligible transactions by physical card or Apple Pay include local, overseas, and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS transactions, and cash advances.
• Exclude cash or purchase instalments, balance transfers, MPF/SVC contributions, Bank online-banking bill payments, casino chips, traveller's cheques, all credit-card charges, and transactions designated by the Bank.
• Convert non-HKD transactions at the Visa International or UnionPay International rate; for this card, RMB1 equals HKD1 for eligible retail spending.
• Unposted, cancelled, refunded, fraudulent, or otherwise ineligible transactions do not count; eligible transactions must post to the designated account within the first 3 months.
• The HKD500 spending rebate is credited to the eligible principal-card HKD account within 2 months after the month in which the requirement is met and is for future retail spending only.
• The card account must remain valid and in good credit standing during the Promotion Period and fulfilment period.
• The Bank may charge an administrative fee of HKD600 for card cancellation within 13 months, or for an ineligible or duplicate gift, ineligible spending, or fraud or abuse.
• principal-card application promotion period: 2026-07-01 – 2026-12-31

This benefit does not apply to a purchase. • Customer: New customer • Fixed reward; no eligible-spend denominator. • Application, registration or activation required. See conditions. • Register the Apple Pay Promotion through the Bank website or WeChat during the Promotion Period; the registration quota is 5,000 and each cardholder registers once. • During the Promotion Period, a successfully registered cardholder who adds an eligible principal Visa or UnionPay card to Apple Pay receives an HKD20 spending rebate. • The first-time adding reward is not available if the eligible card was added to Apple Pay from 2022-09-26 through 2026-06-30, and each cardholder can receive it once in the Promotion Period. • Eligible cards include principal Visa and UnionPay cards, including virtual cards; supplementary cards, Pacific Internet cards, and gift cards are excluded. • The eligible card must remain valid until the reward is credited; the account must be valid and in good financial standing when the reward is credited. • The reward is credited in March 2027, is for future retail transactions only, and cannot be returned, transferred, exchanged for cash or other products, or withdrawn by cash advance.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed reward; no eligible spend denominator.
• Application or registration is required.
• Register the Apple Pay Promotion through the Bank website or WeChat during the Promotion Period; the registration quota is 5,000 and each cardholder registers once.
• During the Promotion Period, a successfully registered cardholder who adds an eligible principal Visa or UnionPay card to Apple Pay receives an HKD20 spending rebate.
• The first-time adding reward is not available if the eligible card was added to Apple Pay from 2022-09-26 through 2026-06-30, and each cardholder can receive it once in the Promotion Period.
• Eligible cards include principal Visa and UnionPay cards, including virtual cards; supplementary cards, Pacific Internet cards, and gift cards are excluded.
• The eligible card must remain valid until the reward is credited; the account must be valid and in good financial standing when the reward is credited.
• The reward is credited in March 2027, is for future retail transactions only, and cannot be returned, transferred, exchanged for cash or other products, or withdrawn by cash advance.
• Apple Pay Promotion Period: 2026-07-01 – 2026-12-31

Category or merchant does not match. • Source-stated 5% extra rebate; HKD3,000 is an eligibility threshold, not the rate. • Limit: 200 HKD · Per Month • Limit applies to: eligible Apple Pay spending in each monthly Promotion Phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Eligible categories: Apple Pay • Register the Promotion during 2026-07-01 to 2026-12-31 through the Bank website or WeChat; the registration quota is 5,000 and each cardholder registers once. • After successful registration, accumulate eligible retail spending of HKD3,000 or above in each monthly Promotion Phase using the physical card and/or Apple Pay; receive an extra 5% rebate on eligible Apple Pay spending in that phase. • The reward is capped at HKD200 in each Promotion Phase and HKD1,200 for the entire Promotion Period. • Eligible transactions are local retail, foreign non-HKD retail, and online retail transactions paid by physical card or Apple Pay. • Exclude cash advances, Octopus add-value, UnionPay QR/App transactions, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, designated RMB categories, and other transactions designated by the Bank. • RMB1 spent in Mainland China by a CUP Dual Currency Credit Card equals HKD1 for the spending threshold. • Spending on more than one principal card cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the reward. • Transactions must post before the reward is credited; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must remain valid and in good standing.

• Eligibility: Audience: all
• Eligible spending: Applies to: Apple Pay · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 200 · Applies to: eligible Apple Pay spending in each monthly Promotion Phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% extra rebate; HKD3,000 is an eligibility threshold, not the rate.
• Application or registration is required.
• Register the Promotion during 2026-07-01 to 2026-12-31 through the Bank website or WeChat; the registration quota is 5,000 and each cardholder registers once.
• After successful registration, accumulate eligible retail spending of HKD3,000 or above in each monthly Promotion Phase using the physical card and/or Apple Pay; receive an extra 5% rebate on eligible Apple Pay spending in that phase.
• The reward is capped at HKD200 in each Promotion Phase and HKD1,200 for the entire Promotion Period.
• Eligible transactions are local retail, foreign non-HKD retail, and online retail transactions paid by physical card or Apple Pay.
• Exclude cash advances, Octopus add-value, UnionPay QR/App transactions, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, designated RMB categories, and other transactions designated by the Bank.
• RMB1 spent in Mainland China by a CUP Dual Currency Credit Card equals HKD1 for the spending threshold.
• Spending on more than one principal card cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the reward.
• Transactions must post before the reward is credited; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must remain valid and in good standing.
• Apple Pay Promotion Period: 2026-07-01 – 2026-12-31

The source lists an exclusion affecting 交通; eligibility for this purchase is not established. • Source-stated 5% cash rebate; HKD2,000 is an eligibility threshold, not the rate. • Limit: 300 HKD · Per Month • Limit applies to: eligible RMB/MOP retail spending in each promotion phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Eligible categories: 中國內地簽賬 • Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and successful registration once enrolls all eligible cards under the cardholder's HKID. • After registration, accumulate RMB and/or MOP eligible retail transactions of HKD2,000 or more in each promotion phase to receive a 5% cash rebate. • The source phase table lists phases 1-3 in 2026, phases 4-7 in 2025, and phases 8-12 in 2026, while clause 2 states an overall 2026 Promotion Period; this source wording is preserved without date correction. • The rebate is capped at HKD300 in each phase and HKD3,600 for the entire Promotion Period. • Eligible transactions include RMB and/or MOP retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone during the Promotion Period. • For an eligible Mainland China transaction, RMB1 equals HKD1 for rebate calculation. • Exclude RMB transportation transactions under the separate Travel & Earn promotion, cash advances, Octopus automatic add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and designated RMB categories including property, wholesale, hospital, and tuition payments. • Eligible spending is counted by credit-card number and multiple principal-card accounts cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate. • Transactions must post within the applicable phase; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must be valid and in good financial standing. • The rebate is credited to the principal-card account in the month after the transaction, is rounded to the nearest whole number, and is for future retail spending only; it cannot be transferred, exchanged for cash, or used as a cash advance. • The Bank may debit the rebate value if a related transaction is cancelled after the Promotion Period and may vary or terminate the Promotion without prior notice.

• Eligibility: Audience: all
• Eligible spending: Applies to: 中國內地簽賬 · Type: category
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 300 · Applies to: eligible RMB/MOP retail spending in each promotion phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% cash rebate; HKD2,000 is an eligibility threshold, not the rate.
• Application or registration is required.
• Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and successful registration once enrolls all eligible cards under the cardholder's HKID.
• After registration, accumulate RMB and/or MOP eligible retail transactions of HKD2,000 or more in each promotion phase to receive a 5% cash rebate.
• The source phase table lists phases 1-3 in 2026, phases 4-7 in 2025, and phases 8-12 in 2026, while clause 2 states an overall 2026 Promotion Period; this source wording is preserved without date correction.
• The rebate is capped at HKD300 in each phase and HKD3,600 for the entire Promotion Period.
• Eligible transactions include RMB and/or MOP retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone during the Promotion Period.
• For an eligible Mainland China transaction, RMB1 equals HKD1 for rebate calculation.
• Exclude RMB transportation transactions under the separate Travel & Earn promotion, cash advances, Octopus automatic add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and designated RMB categories including property, wholesale, hospital, and tuition payments.
• Eligible spending is counted by credit-card number and multiple principal-card accounts cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate.
• Transactions must post within the applicable phase; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must be valid and in good financial standing.
• The rebate is credited to the principal-card account in the month after the transaction, is rounded to the nearest whole number, and is for future retail spending only; it cannot be transferred, exchanged for cash, or used as a cash advance.
• The Bank may debit the rebate value if a related transaction is cancelled after the Promotion Period and may vary or terminate the Promotion without prior notice.
• RMB/MOP Promotion Period: 2026-01-01 – 2026-12-31

The source lists an exclusion affecting 交通; eligibility for this purchase is not established. • Source-stated 5% cash rebate; HKD2,000 is an eligibility threshold, not the rate. • Limit: 300 HKD · Per Month • Limit applies to: eligible RMB/MOP retail spending in each promotion phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Eligible categories: 澳門簽賬 • Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and successful registration once enrolls all eligible cards under the cardholder's HKID. • After registration, accumulate RMB and/or MOP eligible retail transactions of HKD2,000 or more in each promotion phase to receive a 5% cash rebate. • The source phase table lists phases 1-3 in 2026, phases 4-7 in 2025, and phases 8-12 in 2026, while clause 2 states an overall 2026 Promotion Period; this source wording is preserved without date correction. • The rebate is capped at HKD300 in each phase and HKD3,600 for the entire Promotion Period. • Eligible transactions include RMB and/or MOP retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone during the Promotion Period. • For an eligible Mainland China transaction, RMB1 equals HKD1 for rebate calculation. • Exclude RMB transportation transactions under the separate Travel & Earn promotion, cash advances, Octopus automatic add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and designated RMB categories including property, wholesale, hospital, and tuition payments. • Eligible spending is counted by credit-card number and multiple principal-card accounts cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate. • Transactions must post within the applicable phase; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must be valid and in good financial standing. • The rebate is credited to the principal-card account in the month after the transaction, is rounded to the nearest whole number, and is for future retail spending only; it cannot be transferred, exchanged for cash, or used as a cash advance. • The Bank may debit the rebate value if a related transaction is cancelled after the Promotion Period and may vary or terminate the Promotion without prior notice.

• Eligibility: Audience: all
• Eligible spending: Applies to: 澳門簽賬 · Type: category
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 300 · Applies to: eligible RMB/MOP retail spending in each promotion phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% cash rebate; HKD2,000 is an eligibility threshold, not the rate.
• Application or registration is required.
• Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and successful registration once enrolls all eligible cards under the cardholder's HKID.
• After registration, accumulate RMB and/or MOP eligible retail transactions of HKD2,000 or more in each promotion phase to receive a 5% cash rebate.
• The source phase table lists phases 1-3 in 2026, phases 4-7 in 2025, and phases 8-12 in 2026, while clause 2 states an overall 2026 Promotion Period; this source wording is preserved without date correction.
• The rebate is capped at HKD300 in each phase and HKD3,600 for the entire Promotion Period.
• Eligible transactions include RMB and/or MOP retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone during the Promotion Period.
• For an eligible Mainland China transaction, RMB1 equals HKD1 for rebate calculation.
• Exclude RMB transportation transactions under the separate Travel & Earn promotion, cash advances, Octopus automatic add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and designated RMB categories including property, wholesale, hospital, and tuition payments.
• Eligible spending is counted by credit-card number and multiple principal-card accounts cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate.
• Transactions must post within the applicable phase; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must be valid and in good financial standing.
• The rebate is credited to the principal-card account in the month after the transaction, is rounded to the nearest whole number, and is for future retail spending only; it cannot be transferred, exchanged for cash, or used as a cash advance.
• The Bank may debit the rebate value if a related transaction is cancelled after the Promotion Period and may vary or terminate the Promotion without prior notice.
• RMB/MOP Promotion Period: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Source-stated 5% rebate; HKD1,000 is an eligibility threshold, not the rate. • Limit: 300 HKD · Per Month • Limit applies to: eligible designated-foreign-currency spending in each monthly phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 1000 • Eligible categories: 海外簽賬 • Applicable to principal and virtual CUP Dual Currency Credit Cards issued by the Bank; VISA cards, supplementary cards, Pacific Internet cards, and gift cards are excluded. • Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and registration is first-come, first-served. The source lists online code 2026006CCD0000106 and WeChat code 202606CCD0000106. • In each monthly phase, accumulate eligible retail spending of HKD1,000 or above in designated foreign currencies of Japan, South Korea, Thailand, and Taiwan, China to receive a 5% rebate. • The rebate is capped at HKD300 in each phase and HKD1,800 for the entire Promotion Period. • Eligible transactions are non-HKD foreign retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone; the amount uses the HKD value posted after currency conversion and country or region coding by UnionPay International. • Exclude foreign transactions paid in HKD, local retail spending, RMB transactions, cash advances, Octopus add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and other transactions designated by the Bank. • Spending is counted by credit-card number and multiple eligible accounts cannot combine. Supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate; spending from another principal card cannot combine. • The Bank credits Phase 1-3 rebates in November 2026 and Phase 4-6 rebates in February 2027, subject to change; the amount is rounded to the nearest whole number. • Transactions must post before crediting and the account must remain valid and in good financial standing. Fraudulent, false, unauthorized, cancelled, refunded, or unposted transactions do not qualify; the Bank may debit the rebate after later cancellation.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 300 · Applies to: eligible designated foreign currency spending in each monthly phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% rebate; HKD1,000 is an eligibility threshold, not the rate.
• Application or registration is required.
• Applicable to principal and virtual CUP Dual Currency Credit Cards issued by the Bank; VISA cards, supplementary cards, Pacific Internet cards, and gift cards are excluded.
• Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and registration is first-come, first-served. The source lists online code 2026006CCD0000106 and WeChat code 202606CCD0000106.
• In each monthly phase, accumulate eligible retail spending of HKD1,000 or above in designated foreign currencies of Japan, South Korea, Thailand, and Taiwan, China to receive a 5% rebate.
• The rebate is capped at HKD300 in each phase and HKD1,800 for the entire Promotion Period.
• Eligible transactions are non-HKD foreign retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone; the amount uses the HKD value posted after currency conversion and country or region coding by UnionPay International.
• Exclude foreign transactions paid in HKD, local retail spending, RMB transactions, cash advances, Octopus add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and other transactions designated by the Bank.
• Spending is counted by credit-card number and multiple eligible accounts cannot combine. Supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate; spending from another principal card cannot combine.
• The Bank credits Phase 1-3 rebates in November 2026 and Phase 4-6 rebates in February 2027, subject to change; the amount is rounded to the nearest whole number.
• Transactions must post before crediting and the account must remain valid and in good financial standing. Fraudulent, false, unauthorized, cancelled, refunded, or unposted transactions do not qualify; the Bank may debit the rebate after later cancellation.
• Designated Foreign Currencies Promotion Period: 2026-07-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit: 400 HKD · Promotion Total • Limit applies to: welcome reward • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • For new customers only. • General eligible card spending of at least HK$6,000 is required within the first 60 days after card issuance. • Welcome reward is issued as points and is subject to terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Amount: 400 · Applies to: welcome reward · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• For new customers only.
• General eligible card spending of at least HK$6,000 is required within the first 60 days after card issuance.
• Welcome reward is issued as points and is subject to terms.

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit: 200 HKD · Promotion Total • Limit applies to: online application welcome reward • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • For new customers who apply online. • General eligible card spending of at least HK$6,000 is required within the first 60 days after card issuance. • This extra reward is issued as points and is subject to terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Amount: 200 · Applies to: online application welcome reward · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• For new customers who apply online.
• General eligible card spending of at least HK$6,000 is required within the first 60 days after card issuance.
• This extra reward is issued as points and is subject to terms.

This benefit does not apply to a purchase. • Limited-time entitlement. • Coverage and redemption details are linked; no extra application rule is stated in the local source.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Limited-time entitlement.
• Coverage and redemption details are linked; no extra application rule is stated in the local source.

Category or merchant does not match. • Application, registration or activation required. See conditions. • Eligible categories: 海外簽賬 • Offer applies to AEON JCB cardholders issued by AEON. • Main and supplementary card qualifying spend is combined; rewards are posted to the primary card account. • Main cardholder must register in the AEON HK mobile app during the registration period; prior participation requires re-registration. • Qualifying transactions must be posted within 14 days after the relevant calendar phase. • Excluded transactions include cash advance, cash instalment, payments, transfers, insurance, Octopus auto-reload, e-wallet top-up or transfer, P2P, crypto, gambling, fees, annual fees, late fees, interest, AEON instalment, and invalid, cancelled, refunded, or fraudulent transactions. • Rewards are issued as AEON points and are normally posted within two calendar months after the qualifying month; terms may change. • Eligible spending is JPY purchase transactions in Japan or on Japanese websites; HKD-settled transactions are not applicable. • The first converted HK$6,000 of eligible JPY spending is covered. • The source examples restore the base amount before refunding the 1.95% fee.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Offer applies to AEON JCB cardholders issued by AEON.
• Main and supplementary card qualifying spend is combined; rewards are posted to the primary card account.
• Main cardholder must register in the AEON HK mobile app during the registration period; prior participation requires re-registration.
• Qualifying transactions must be posted within 14 days after the relevant calendar phase.
• Excluded transactions include cash advance, cash instalment, payments, transfers, insurance, Octopus auto-reload, e-wallet top-up or transfer, P2P, crypto, gambling, fees, annual fees, late fees, interest, AEON instalment, and invalid, cancelled, refunded, or fraudulent transactions.
• Rewards are issued as AEON points and are normally posted within two calendar months after the qualifying month; terms may change.
• Eligible spending is JPY purchase transactions in Japan or on Japanese websites; HKD-settled transactions are not applicable.
• The first converted HK$6,000 of eligible JPY spending is covered.
• The source examples restore the base amount before refunding the 1.95% fee.
• AEON JCB promotion registration period: 2026-08-21 – 2027-02-28
• AEON JCB qualifying spending period: 2026-09-01 – 2027-02-28

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: 25X points per HK$1 × HK$400 / 100,000 points = 10%; source example: HK$2,000 × 25X = 50,000 points = HK$200; original extra-reward cap 50,000 points per phase = HK$200; actual redemption options may change. • Limit: 200 HKD · Per Month • Limit applies to: Japan AEON extra reward per calendar phase • Application, registration or activation required. See conditions. • Eligible categories: 購物 • Offer applies to AEON JCB cardholders issued by AEON. • Main and supplementary card qualifying spend is combined; rewards are posted to the primary card account. • Main cardholder must register in the AEON HK mobile app during the registration period; prior participation requires re-registration. • Qualifying transactions must be posted within 14 days after the relevant calendar phase. • Excluded transactions include cash advance, cash instalment, payments, transfers, insurance, Octopus auto-reload, e-wallet top-up or transfer, P2P, crypto, gambling, fees, annual fees, late fees, interest, AEON instalment, and invalid, cancelled, refunded, or fraudulent transactions. • Rewards are issued as AEON points and are normally posted within two calendar months after the qualifying month; terms may change. • Only specified Japan AEON and AEON STYLE physical stores are eligible; the branch list is linked and can change. • Franchise stores and concession merchants are excluded. • Points use the source ratio of 100,000 AEON points to HK$400 for this cash-equivalent calculation. • The 25X reward includes 1X basic and 24X extra points; the source-stated extra-reward cap is 50,000 points per phase.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Amount: 200 · Applies to: Japan AEON extra reward per calendar phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: 25X points per HK$1 × HK$400 / 100,000 points = 10%; source example: HK$2,000 × 25X = 50,000 points = HK$200; original extra reward cap 50,000 points per phase = HK$200; actual redemption options may change.
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Offer applies to AEON JCB cardholders issued by AEON.
• Main and supplementary card qualifying spend is combined; rewards are posted to the primary card account.
• Main cardholder must register in the AEON HK mobile app during the registration period; prior participation requires re-registration.
• Qualifying transactions must be posted within 14 days after the relevant calendar phase.
• Excluded transactions include cash advance, cash instalment, payments, transfers, insurance, Octopus auto-reload, e-wallet top-up or transfer, P2P, crypto, gambling, fees, annual fees, late fees, interest, AEON instalment, and invalid, cancelled, refunded, or fraudulent transactions.
• Rewards are issued as AEON points and are normally posted within two calendar months after the qualifying month; terms may change.
• Only specified Japan AEON and AEON STYLE physical stores are eligible; the branch list is linked and can change.
• Franchise stores and concession merchants are excluded.
• Points use the source ratio of 100,000 AEON points to HK$400 for this cash-equivalent calculation.
• The 25X reward includes 1X basic and 24X extra points; the source-stated extra-reward cap is 50,000 points per phase.
• AEON JCB promotion registration period: 2026-08-21 – 2027-02-28
• AEON JCB qualifying spending period: 2026-09-01 – 2027-02-28

Merchant eligibility cannot be established from the incomplete source list. • Application, registration or activation required. See conditions. • Eligible categories: 購物 • Use the electronic coupon obtained through the AEON HK app. • Only specified Japan AEON and AEON STYLE physical stores are eligible; the branch list is linked and can change. • The coupon is separate from the Japan AEON points reward and follows its own terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Use the electronic coupon obtained through the AEON HK app.
• Only specified Japan AEON and AEON STYLE physical stores are eligible; the branch list is linked and can change.
• The coupon is separate from the Japan AEON points reward and follows its own terms.
• AEON JCB promotion registration period: 2026-08-21 – 2027-02-28
• AEON JCB qualifying spending period: 2026-09-01 – 2027-02-28

Category or merchant does not match. • Eligible categories: 本地餐飲 • The local AEON JCB page states Hong Kong food spending at up to 2% rebate. • Detailed merchant, transaction, and validity rules are not stated in the local source.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The local AEON JCB page states Hong Kong food spending at up to 2% rebate.
• Detailed merchant, transaction, and validity rules are not stated in the local source.

Category or merchant does not match. • Eligible categories: 酒店 • The local AEON JCB page states Hong Kong accommodation spending at up to 2% rebate. • Detailed merchant, transaction, and validity rules are not stated in the local source.

• Eligibility: Audience: all
• Eligible spending: Applies to: 酒店 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The local AEON JCB page states Hong Kong accommodation spending at up to 2% rebate.
• Detailed merchant, transaction, and validity rules are not stated in the local source.

Category or merchant does not match. • Merchants: AEON Stores • Eligible merchants: aeon-stores • Applies on the 2nd and 20th of each month. • The source describes this as an extra discount for Hong Kong AEON Stores.

• Eligibility: Audience: all
• Eligible spending: Applies to: aeon stores · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Applies on the 2nd and 20th of each month.
• The source describes this as an extra discount for Hong Kong AEON Stores.

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • AEON HK app is used to view virtual card details. • After confirmation, the virtual card can be used immediately; the source also describes mobile payment support. • This is a card feature, not a transaction reward.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• AEON HK app is used to view virtual card details.
• After confirmation, the virtual card can be used immediately; the source also describes mobile payment support.
• This is a card feature, not a transaction reward.

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • Available to specified AEON-issued cardholders and subject to AEON approval. • The plan is an interest-free loan equal to the purchase amount and requires monthly repayment. • Application is required; late or finance charges can apply if payments are not made.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Available to specified AEON-issued cardholders and subject to AEON approval.
• The plan is an interest-free loan equal to the purchase amount and requires monthly repayment.
• Application is required; late or finance charges can apply if payments are not made.

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • The service requires an application and an eligible AEON HKD card. • An applicant may link one own Octopus and up to three relatives' Octopus cards. • First application service fee is waived; transfer or reactivation requires a non-refundable HK$20 handling fee. • This is a card service feature, not a spending reward.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The service requires an application and an eligible AEON HKD card.
• An applicant may link one own Octopus and up to three relatives' Octopus cards.
• First application service fee is waived; transfer or reactivation requires a non-refundable HK$20 handling fee.
• This is a card service feature, not a spending reward.

Category or merchant does not match. • Merchants: Expedia • Eligible merchants: expedia • Offer is for AEON JCB cardholders; individual merchant terms apply. • Global hotel bookings are eligible.

• Eligibility: Audience: all
• Eligible spending: Applies to: expedia · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• Global hotel bookings are eligible.
• Expedia hotel booking promotion: Now – 2027-04-30

Category or merchant does not match. • Limit: 300 HKD · Per Transaction • Limit applies to: Trip.com order • Merchants: Trip.com • Eligible merchants: trip-com • Offer is for AEON JCB cardholders; individual merchant terms apply. • Applies to global hotel and flight bookings. • Maximum discount is HK$300 per order.

• Eligibility: Audience: all
• Eligible spending: Applies to: trip com · Type: merchant
• Benefit limit: Amount: 300 · Applies to: Trip.com order · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• Applies to global hotel and flight bookings.
• Maximum discount is HK$300 per order.
• Trip.com hotel and flight promotion: Now – 2026-12-31

Category or merchant does not match. • Limit: 30 USD · Per Transaction • Limit applies to: Agoda order • Merchants: Agoda • Eligible merchants: agoda • Offer is for AEON JCB cardholders; individual merchant terms apply. • Applies to global hotel bookings. • Maximum discount is USD30 per order.

• Eligibility: Audience: all
• Eligible spending: Applies to: agoda · Type: merchant
• Benefit limit: Amount: 30 · Applies to: Agoda order · Currency: USD · Period: per transaction · Type: limited · Unit: currency
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• Applies to global hotel bookings.
• Maximum discount is USD30 per order.
• Agoda hotel booking promotion: Now – 2027-03-31

This benefit does not apply to a purchase. • Limit: 6 items · Per Year • Limit applies to: specified Japan and Hawaii airport lounge uses • The annual service period is 1 April to the following 31 March. • Japan lounge use requires one JPY in-person AEON JCB purchase on the same day, excluding lounge and refunded transactions. • Hawaii lounge use has no same-day spending requirement. • If the Japan condition is not met, AEON charges HK$78 for each use within 10 months; each use still counts toward the annual six-use limit.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 6 · Applies to: specified Japan and Hawaii airport lounge uses · Period: per year · Type: limited · Unit: items
• The annual service period is 1 April to the following 31 March.
• Japan lounge use requires one JPY in-person AEON JCB purchase on the same day, excluding lounge and refunded transactions.
• Hawaii lounge use has no same-day spending requirement.
• If the Japan condition is not met, AEON charges HK$78 for each use within 10 months; each use still counts toward the annual six-use limit.
• JCB airport lounge promotion: Now – 2027-03-31

This benefit does not apply to a purchase. • The source states priority reservation access for the Universal Studios Japan VIP private itinerary. • No validity date or separate application rule is stated in the local source.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The source states priority reservation access for the Universal Studios Japan VIP private itinerary.
• No validity date or separate application rule is stated in the local source.

Category or merchant does not match. • Minimum spend: Period: per_transaction; Spend: 100000 • Merchants: 樂天超市 • Eligible merchants: rakuten-supermarket • Offer is for AEON JCB cardholders; individual merchant terms apply. • Qualifying spend threshold is KRW100,000.

• Eligibility: Audience: all
• Eligible spending: Applies to: rakuten supermarket · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$100,000.00
• Benefit limit: Period: not stated · Type: not stated
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• Qualifying spend threshold is KRW100,000.
• Rakuten supermarket promotion: Now – 2026-12-31

Category or merchant does not match. • Merchants: 松屋銀座 • Eligible merchants: matsuya-ginza • Offer is for AEON JCB cardholders; individual merchant terms apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: matsuya ginza · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• Matsuya Ginza shopping promotion: Now – 2027-03-31

Category or merchant does not match. • Merchants: 多慶屋 • Eligible merchants: takeya • Offer is for AEON JCB cardholders; individual merchant terms apply. • No validity period is stated in the local source.

• Eligibility: Audience: all
• Eligible spending: Applies to: takeya · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• No validity period is stated in the local source.

Category or merchant does not match. • Minimum spend: Period: per_transaction; Spend: 30 • Merchants: OK便利店 • Eligible merchants: ok-convenience-store • Offer is for AEON JCB cardholders; individual merchant terms apply. • One redemption per day per JCB cardholder. • Monthly quota is first come, first served until full.

• Eligibility: Audience: all
• Eligible spending: Applies to: ok convenience store · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$30.00
• Benefit limit: Period: not stated · Type: not stated
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• One redemption per day per JCB cardholder.
• Monthly quota is first come, first served until full.
• OK便利店 promotion: Now – 2026-12-31

Category or merchant does not match. • Minimum spend: Period: per_transaction; Spend: 100 • Merchants: 香港國際機場星巴克 • Eligible merchants: starbucks-hong-kong-international-airport • Offer is for AEON JCB cardholders; individual merchant terms apply. • The order must include at least one medium or larger hand-made drink.

• Eligibility: Audience: all
• Eligible spending: Applies to: starbucks hong kong international airport · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$100.00
• Benefit limit: Period: not stated · Type: not stated
• Offer is for AEON JCB cardholders; individual merchant terms apply.
• The order must include at least one medium or larger hand-made drink.
• Hong Kong International Airport Starbucks promotion: Now – 2027-03-31

Merchant eligibility cannot be established from the incomplete source list. • Eligible categories: 本地餐飲 • The source describes selected Japanese cuisine restaurants with prices as low as 80% of the original price. • The participating restaurant list is not complete in the local source. • Restaurant offers are generally dine-in only; some exclude service charge, banquets, and takeaway and require declaring AEON JCB payment before reservation, order, or payment.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• The source describes selected Japanese cuisine restaurants with prices as low as 80% of the original price.
• The participating restaurant list is not complete in the local source.
• Restaurant offers are generally dine-in only; some exclude service charge, banquets, and takeaway and require declaring AEON JCB payment before reservation, order, or payment.

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 本地餐飲 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞滋味 / 本地餐飲 source subcategory. • Eligible Hong Kong restaurant or dining transactions are identified by the card-network merchant code. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞滋味 / 本地餐飲 source subcategory.
• Eligible Hong Kong restaurant or dining transactions are identified by the card-network merchant code. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 海外簽賬 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞世界 / 海外簽賬 source subcategory. • Eligible transactions are made overseas and coded as overseas by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞世界 / 海外簽賬 source subcategory.
• Eligible transactions are made overseas and coded as overseas by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 中國內地簽賬 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞世界 / 中國內地簽賬 source subcategory. • Eligible transactions are made in Mainland China and coded as Mainland China by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 中國內地簽賬 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞世界 / 中國內地簽賬 source subcategory.
• Eligible transactions are made in Mainland China and coded as Mainland China by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 澳門簽賬 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞世界 / 澳門簽賬 source subcategory. • Eligible transactions are made in Macau and coded as Macau by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 澳門簽賬 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞世界 / 澳門簽賬 source subcategory.
• Eligible transactions are made in Macau and coded as Macau by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 健身中心 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 健身中心 source subcategory. • The source lists the participating fitness centres under 賞享受. • The complete participating-merchant list in the HTML source is: Be Earth, Go24 Fitness, PURE Group, Snap Fitness, Square Fitness.

• Eligibility: Audience: all
• Eligible spending: Applies to: 健身中心 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 健身中心 source subcategory.
• The source lists the participating fitness centres under 賞享受.
• The complete participating-merchant list in the HTML source is: Be Earth, Go24 Fitness, PURE Group, Snap Fitness, Square Fitness.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 戲院 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 戲院 source subcategory. • The source lists the participating cinemas under 賞享受. • The complete participating-merchant list in the HTML source is: CGV Cinemas, 英皇戲院, Festival Grand Cinema, 康怡戲院, 皇室戲院, K11 Art House, MCL 院線, Movie Town, STAR Cinema.

• Eligibility: Audience: all
• Eligible spending: Applies to: 戲院 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 戲院 source subcategory.
• The source lists the participating cinemas under 賞享受.
• The complete participating-merchant list in the HTML source is: CGV Cinemas, 英皇戲院, Festival Grand Cinema, 康怡戲院, 皇室戲院, K11 Art House, MCL 院線, Movie Town, STAR Cinema.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 娛樂 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 娛樂 source subcategory. • The source lists the participating lifestyle and entertainment merchants under 賞享受. • The complete participating-merchant list in the HTML source is: 焙著你烘焙, 購票通, 太古城中心冰上皇宮, EF English Centers, 青苗琴行, 快達票, KKBOX, KKTix, Moov, Neway CEO Karaoke, 康體通, 通利琴行.

• Eligibility: Audience: all
• Eligible spending: Applies to: 娛樂 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 娛樂 source subcategory.
• The source lists the participating lifestyle and entertainment merchants under 賞享受.
• The complete participating-merchant list in the HTML source is: 焙著你烘焙, 購票通, 太古城中心冰上皇宮, EF English Centers, 青苗琴行, 快達票, KKBOX, KKTix, Moov, Neway CEO Karaoke, 康體通, 通利琴行.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 旅行社 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 旅行社 source subcategory. • The source lists the participating travel agencies under 賞享受; online hotel orders through 美麗華旅遊 are excluded. • The complete participating-merchant list in the HTML source is: hutchgo, KKDay, Klook, 美麗華旅遊, 新華旅遊, Trip.com, 永安旅遊, 油麻地旅遊.

• Eligibility: Audience: all
• Eligible spending: Applies to: 旅行社 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 旅行社 source subcategory.
• The source lists the participating travel agencies under 賞享受; online hotel orders through 美麗華旅遊 are excluded.
• The complete participating-merchant list in the HTML source is: hutchgo, KKDay, Klook, 美麗華旅遊, 新華旅遊, Trip.com, 永安旅遊, 油麻地旅遊.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 美容／個人護理 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 美容／個人護理 source subcategory. • The source lists the participating personal-care merchants under 賞享受. • The complete participating-merchant list in the HTML source is: 沐館, 靜, 日月按摩, TONI&GUY HONG KONG, 梔 Zi Massage & Wellness.

• Eligibility: Audience: all
• Eligible spending: Applies to: 美容／個人護理 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 美容／個人護理 source subcategory.
• The source lists the participating personal-care merchants under 賞享受.
• The complete participating-merchant list in the HTML source is: 沐館, 靜, 日月按摩, TONI&GUY HONG KONG, 梔 Zi Massage & Wellness.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 超級市場 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 超級市場 source subcategory. • The source lists the participating supermarkets under 賞家居. • The complete participating-merchant list in the HTML source is: 759阿信屋, Big C, 日記士多, Don Don Donki, 大生生活超市, 新鮮生活, GreenPrice, 本灣水產, 百佳超級市場, FUSION, TASTE, TASTE x FRESH INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, 多來買.

• Eligibility: Audience: all
• Eligible spending: Applies to: 超級市場 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 超級市場 source subcategory.
• The source lists the participating supermarkets under 賞家居.
• The complete participating-merchant list in the HTML source is: 759阿信屋, Big C, 日記士多, Don Don Donki, 大生生活超市, 新鮮生活, GreenPrice, 本灣水產, 百佳超級市場, FUSION, TASTE, TASTE x FRESH INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, 多來買.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 家居／家具 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 家居／家具 source subcategory. • The source lists the participating home-goods merchants under 賞家居. • The complete participating-merchant list in the HTML source is: at.home, 生活提案, 生活工房, JHC真好城, KeyChain Pay, 生活館, 生活廊, 蓆夢思, 歐化寶, 歐化傢俬.

• Eligibility: Audience: all
• Eligible spending: Applies to: 家居／家具 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 家居／家具 source subcategory.
• The source lists the participating home-goods merchants under 賞家居.
• The complete participating-merchant list in the HTML source is: at.home, 生活提案, 生活工房, JHC真好城, KeyChain Pay, 生活館, 生活廊, 蓆夢思, 歐化寶, 歐化傢俬.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 電子產品 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 電子產品 source subcategory. • The source lists the participating electrical and electronics merchants under 賞家居. • The complete participating-merchant list in the HTML source is: 生活影音, 百老滙, BRUNO, 中原電器, 豐澤, J SELECT, 人気电器店, Panasonic陳列室, Price網購, 蘇寧, 偉明電業, 惠而浦網上商店W-Mall, 衛訊, 友和 YOHO.

• Eligibility: Audience: all
• Eligible spending: Applies to: 電子產品 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 電子產品 source subcategory.
• The source lists the participating electrical and electronics merchants under 賞家居.
• The complete participating-merchant list in the HTML source is: 生活影音, 百老滙, BRUNO, 中原電器, 豐澤, J SELECT, 人気电器店, Panasonic陳列室, Price網購, 蘇寧, 偉明電業, 惠而浦網上商店W-Mall, 衛訊, 友和 YOHO.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 電訊 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 電訊 source subcategory. • The source lists the participating telecom merchants under 賞家居. The source excludes online bill payments made with HSBC ordinary, Gold, and UnionPay dual-currency cards. • The complete participating-merchant list in the HTML source is: 1O1O, 3香港, csl, Club Sim, HKT 家居電話, 網上行, Now TV, SmarTone, SUPREME.

• Eligibility: Audience: all
• Eligible spending: Applies to: 電訊 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 電訊 source subcategory.
• The source lists the participating telecom merchants under 賞家居. The source excludes online bill payments made with HSBC ordinary, Gold, and UnionPay dual-currency cards.
• The complete participating-merchant list in the HTML source is: 1O1O, 3香港, csl, Club Sim, HKT 家居電話, 網上行, Now TV, SmarTone, SUPREME.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 寵物用品 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 寵物用品 source subcategory. • The source lists the participating pet-care merchants under 賞家居. • The complete participating-merchant list in the HTML source is: 寵寵線, Petmium寵物百貨, Q-Pets, 紅蘿蔔, The Dog’s Garden, Three Little Meow.

• Eligibility: Audience: all
• Eligible spending: Applies to: 寵物用品 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 寵物用品 source subcategory.
• The source lists the participating pet-care merchants under 賞家居.
• The complete participating-merchant list in the HTML source is: 寵寵線, Petmium寵物百貨, Q-Pets, 紅蘿蔔, The Dog’s Garden, Three Little Meow.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 百貨公司 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 百貨公司 source subcategory. • The source lists the participating department stores under 賞購物. • The complete participating-merchant list in the HTML source is: AEON, AEON STYLE, AEON SUPERMARKET, APITA, Bento Express by AEON, 中藝（香港）, C生活, 千色Citistore, city'super, city'super neighbourhood, city'super LOG-ON, 谷辰, HKTVmall, HARVEY NICHOLS, Living PLAZA by AEON, LOG-ON, MARKS & SPENCER, Mono Mono, 先施百貨, 崇光百貨, UNY 生活創富, 永安百貨, 一田.

• Eligibility: Audience: all
• Eligible spending: Applies to: 百貨公司 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 百貨公司 source subcategory.
• The source lists the participating department stores under 賞購物.
• The complete participating-merchant list in the HTML source is: AEON, AEON STYLE, AEON SUPERMARKET, APITA, Bento Express by AEON, 中藝（香港）, C生活, 千色Citistore, city'super, city'super neighbourhood, city'super LOG-ON, 谷辰, HKTVmall, HARVEY NICHOLS, Living PLAZA by AEON, LOG-ON, MARKS & SPENCER, Mono Mono, 先施百貨, 崇光百貨, UNY 生活創富, 永安百貨, 一田.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 書店／文具 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 書店／文具 source subcategory. • The source lists the participating bookstores under 賞購物. • The complete participating-merchant list in the HTML source is: 中華書局, 誠品書店, 三聯書店, 商務印書館.

• Eligibility: Audience: all
• Eligible spending: Applies to: 書店／文具 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 書店／文具 source subcategory.
• The source lists the participating bookstores under 賞購物.
• The complete participating-merchant list in the HTML source is: 中華書局, 誠品書店, 三聯書店, 商務印書館.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 時裝 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 時裝 source subcategory. • The source lists the participating fashion and accessories merchants under 賞購物. • The complete participating-merchant list in the HTML source is: 7 For All Mankind, agnès b., BIRKENSTOCK, Brooks Brothers, Club Monaco, Columbia, Crocs, DECATHLON, ECCO, eGG Optical Boutique, Go Wild, GU, MISCH MASCH, NICAL, 眼鏡88, ORiental Traffic, WA ORiental Traffic, ROCKPORT, SKECHERS, SPORT b., Teva, Theory, TWIST, UGG, UNIQLO, ZALORA, Zoff.

• Eligibility: Audience: all
• Eligible spending: Applies to: 時裝 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 時裝 source subcategory.
• The source lists the participating fashion and accessories merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: 7 For All Mankind, agnès b., BIRKENSTOCK, Brooks Brothers, Club Monaco, Columbia, Crocs, DECATHLON, ECCO, eGG Optical Boutique, Go Wild, GU, MISCH MASCH, NICAL, 眼鏡88, ORiental Traffic, WA ORiental Traffic, ROCKPORT, SKECHERS, SPORT b., Teva, Theory, TWIST, UGG, UNIQLO, ZALORA, Zoff.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 美容／個人護理 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 美容／個人護理 source subcategory. • The source lists the participating beauty and skincare merchants under 賞購物. • The complete participating-merchant list in the HTML source is: @cosme STORE, BEAUTY AVENUE, 法國嬌蘭, IPSA, JOYCE BEAUTY, mtm labo, TIME by mtm labo, SPA by mtm labo, NARS, 莎莎, Serge Lutens, SHISEIDO, 雪花秀.

• Eligibility: Audience: all
• Eligible spending: Applies to: 美容／個人護理 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 美容／個人護理 source subcategory.
• The source lists the participating beauty and skincare merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: @cosme STORE, BEAUTY AVENUE, 法國嬌蘭, IPSA, JOYCE BEAUTY, mtm labo, TIME by mtm labo, SPA by mtm labo, NARS, 莎莎, Serge Lutens, SHISEIDO, 雪花秀.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 藥房／保健品 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 藥房／保健品 source subcategory. • The source lists the participating health-care merchants under 賞購物. • The complete participating-merchant list in the HTML source is: 南北行, OSIM, OTO, SLOWOOD, 維特健靈, 位元堂, 屈臣氏.

• Eligibility: Audience: all
• Eligible spending: Applies to: 藥房／保健品 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 藥房／保健品 source subcategory.
• The source lists the participating health-care merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: 南北行, OSIM, OTO, SLOWOOD, 維特健靈, 位元堂, 屈臣氏.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 其他 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 其他 source subcategory. • The source lists the participating other merchants under 賞購物. • The complete participating-merchant list in the HTML source is: agnes b. FLEURISTE, Cantevole, CASETiFY, La Bohéme, ROYCE', 屈臣氏酒窖.

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 其他 source subcategory.
• The source lists the participating other merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: agnes b. FLEURISTE, Cantevole, CASETiFY, La Bohéme, ROYCE', 屈臣氏酒窖.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 本地餐飲 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Dining. • Eligible Hong Kong restaurant or dining transactions are identified by card-network merchant codes. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Dining.
• Eligible Hong Kong restaurant or dining transactions are identified by card-network merchant codes. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 購物 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Shopping. • The source applies to eligible transactions at designated merchants in the Shopping category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The complete list of eligible merchants is not available.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Shopping.
• The source applies to eligible transactions at designated merchants in the Shopping category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 家居／家具 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Home. • The source applies to eligible transactions at designated merchants in the Home category. Department-store counters, outlets, and online bill payments with the excluded HSBC card types are excluded; the complete list is available only through the linked rewards page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 家居／家具 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The complete list of eligible merchants is not available.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Home.
• The source applies to eligible transactions at designated merchants in the Home category. Department-store counters, outlets, and online bill payments with the excluded HSBC card types are excluded; the complete list is available only through the linked rewards page.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 娛樂 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Lifestyle. • The source applies to eligible transactions at designated merchants in the Lifestyle category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 娛樂 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The complete list of eligible merchants is not available.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Lifestyle.
• The source applies to eligible transactions at designated merchants in the Lifestyle category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 海外簽賬 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Overseas & Mainland China Spending. • The source applies to eligible transactions made overseas. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Overseas & Mainland China Spending.
• The source applies to eligible transactions made overseas. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 中國內地簽賬 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Overseas & Mainland China Spending. • The source applies to eligible transactions made in Mainland China. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 中國內地簽賬 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Overseas & Mainland China Spending.
• The source applies to eligible transactions made in Mainland China. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 澳門簽賬 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Overseas & Mainland China Spending. • The source applies to eligible transactions made in Macau. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 澳門簽賬 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Overseas & Mainland China Spending.
• The source applies to eligible transactions made in Macau. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • The card page advertises up to HKD800 RewardCash for online application; detailed new-customer, spending, and first-60-days conditions are in the welcome terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The card page advertises up to HKD800 RewardCash for online application; detailed new-customer, spending, and first-60-days conditions are in the welcome terms.

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • The card page states that a new credit-card customer can get an extra HKD200 RewardCash after successfully applying for the Cash Instalment Plan; detailed activation, amount, and term conditions are in the promotional terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The card page states that a new credit-card customer can get an extra HKD200 RewardCash after successfully applying for the Cash Instalment Plan; detailed activation, amount, and term conditions are in the promotional terms.

This benefit does not apply to a purchase. • Customer: New customer • Application, registration or activation required. See conditions. • The card page states that the first two years annual fee is waived for this card; the welcome terms define the eligible card and application scope.

• Eligibility: Audience: all · 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 the first two years annual fee is waived for this card; the welcome terms define the eligible card and application scope.

Category or merchant does not match. • Merchants: 香港尖沙咀凱悅酒店內的咖啡廳, 希戈餐廳, 凱悅軒 • Eligible merchants: 尖沙咀凱悅酒店咖啡廳, 希戈餐廳, 凱悅軒 • The offer applies to dining at the Hyatt hotel in Tsim Sha Tsui, including its café, Hugo’s, and Hyatt Chuan, as stated on the card page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 尖沙咀凱悅酒店咖啡廳 / 希戈餐廳 / 凱悅軒 · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• The offer applies to dining at the Hyatt hotel in Tsim Sha Tsui, including its café, Hugo’s, and Hyatt Chuan, as stated on the card page.

No usable purchase percentage; threshold comparison rates are not flat rewards. • Eligible categories: 的士／網約車／租車 • The source states a 7折 discount for Hong Kong-Guangdong cross-border car transfer service. The source points to Visa terms for further details; no link target is used as evidence.

• 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 source states a 7折 discount for Hong Kong-Guangdong cross-border car transfer service. The source points to Visa terms for further details; no link target is used as evidence.

This benefit does not apply to a purchase. • The card page states that Visa concierge service and a dedicated 24-hour hotline are available. The service is provided by Visa and is subject to its terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The card page states that Visa concierge service and a dedicated 24-hour hotline are available. The service is provided by Visa and is subject to its terms.

This benefit does not apply to a purchase. • The card page states that the HSBC virtual credit card can be activated and added to a mobile wallet after approval for online and physical-store use.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The card page states that the HSBC virtual credit card can be activated and added to a mobile wallet after approval for online and physical-store use.

Category or merchant does not match. • Merchants: Kanesaka 香港, Plaisance by Mauro Colagreco, Mosu Hong Kong, Yakitori YAMATO（香港）, Prohibition 扒房．酒吧, CIAK, 潮廳, 南海小館, Beefbar, AKATSUKI Izakaya • Eligible merchants: kanesaka-hong-kong, plaisance-by-mauro-colagreco, mosu-hong-kong, yakitori-yamato-hong-kong, prohibition-hong-kong, ciak, 潮廳, 南海小館, beefbar, akatsuki-izakaya • Dine-in only at the listed designated Lai Sun Group restaurants in Hong Kong; takeaway and retail services are excluded. • The discount does not apply to service charges, bottled sake, wine, or spirits. One discount per table. It cannot be combined with special, promotional, custom menus, private-room dining, or other promotions. • The discount is not available on 2026-01-01, 2026-02-14, 2026-02-16 to 2026-02-20, 2026-04-03 to 2026-04-07, 2026-05-10, 2026-06-21, 2026-09-25 to 2026-09-26, 2026-12-22, 2026-12-24 to 2026-12-26, and 2026-12-31.

• Eligibility: Audience: all
• Eligible spending: Applies to: kanesaka hong kong / plaisance by mauro colagreco / mosu hong kong / yakitori yamato hong kong / prohibition hong kong / ciak / 潮廳 / 南海小館 / beefbar / akatsuki izakaya · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Dine-in only at the listed designated Lai Sun Group restaurants in Hong Kong; takeaway and retail services are excluded.
• The discount does not apply to service charges, bottled sake, wine, or spirits. One discount per table. It cannot be combined with special, promotional, custom menus, private-room dining, or other promotions.
• The discount is not available on 2026-01-01, 2026-02-14, 2026-02-16 to 2026-02-20, 2026-04-03 to 2026-04-07, 2026-05-10, 2026-06-21, 2026-09-25 to 2026-09-26, 2026-12-22, 2026-12-24 to 2026-12-26, and 2026-12-31.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Limit: 4 items · Per Transaction • Limit applies to: Regular 2D cinema tickets in one transaction • Merchants: 英皇戲院 • Eligible merchants: emperor-cinemas • At Emperor Cinemas, Monday to Thursday regular 2D tickets or small popcorn qualify for buy-one-get-one. The offer is limited to one use per offer per day and up to four tickets in one transaction. • Ticket payment must use the card through mobile payment or Visa contactless at the box office; payment at self-service machines, the website, and the mobile application is also accepted for ticket offers. Popcorn requires mobile payment or Visa contactless. • The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates: 2026-01-01, 2026-02-17 to 2026-02-19, 2026-04-03 to 2026-04-07, 2026-05-01, 2026-05-25, 2026-06-19, 2026-07-01, 2026-09-26, 2026-10-01, 2026-10-19, and 2026-12-25 to 2026-12-26.

• Eligibility: Audience: all
• Eligible spending: Applies to: emperor cinemas · Type: merchant
• Benefit limit: Amount: 4 · Applies to: Regular 2D cinema tickets in one transaction · Period: per transaction · Type: limited · Unit: items
• At Emperor Cinemas, Monday to Thursday regular 2D tickets or small popcorn qualify for buy-one-get-one. The offer is limited to one use per offer per day and up to four tickets in one transaction.
• Ticket payment must use the card through mobile payment or Visa contactless at the box office; payment at self-service machines, the website, and the mobile application is also accepted for ticket offers. Popcorn requires mobile payment or Visa contactless.
• The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates: 2026-01-01, 2026-02-17 to 2026-02-19, 2026-04-03 to 2026-04-07, 2026-05-01, 2026-05-25, 2026-06-19, 2026-07-01, 2026-09-26, 2026-10-01, 2026-10-19, and 2026-12-25 to 2026-12-26.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Limit: 4 items · Per Transaction • Limit applies to: Regular 3D cinema tickets in one transaction • Merchants: 英皇戲院 • Eligible merchants: emperor-cinemas • At Emperor Cinemas, Monday to Thursday regular 3D tickets qualify for 9折. The offer is limited to one use per offer per day and up to four tickets in one transaction. • The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: emperor cinemas · Type: merchant
• Benefit limit: Amount: 4 · Applies to: Regular 3D cinema tickets in one transaction · Period: per transaction · Type: limited · Unit: items
• At Emperor Cinemas, Monday to Thursday regular 3D tickets qualify for 9折. The offer is limited to one use per offer per day and up to four tickets in one transaction.
• The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

The offer is not available on the snapshot weekday or date. • Limit: 4 items · Per Transaction • Limit applies to: Regular 2D cinema tickets in one transaction • Merchants: 英皇戲院 • Eligible merchants: emperor-cinemas • At Emperor Cinemas, Friday to Sunday regular 2D tickets qualify for 8折. The offer is limited to one use per offer per day and up to four tickets in one transaction. • The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: emperor cinemas · Type: merchant
• Benefit limit: Amount: 4 · Applies to: Regular 2D cinema tickets in one transaction · Period: per transaction · Type: limited · Unit: items
• At Emperor Cinemas, Friday to Sunday regular 2D tickets qualify for 8折. The offer is limited to one use per offer per day and up to four tickets in one transaction.
• The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval. • The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing. • Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • For a new credit-card customer, HKD8,000 or more eligible spend qualifies for HKD600 RewardCash when the application is not through the listed online channels.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval.
• The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing.
• Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• For a new credit-card customer, HKD8,000 or more eligible spend qualifies for HKD600 RewardCash when the application is not through the listed online channels.
• HSBC credit-card welcome promotion: 2026-03-01 – 2027-02-28

No usable purchase percentage; threshold comparison rates are not flat rewards. • Customer: Existing customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval. • The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing. • Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • For an existing credit-card customer, HKD8,000 or more eligible spend qualifies for HKD200 RewardCash.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval.
• The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing.
• Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• For an existing credit-card customer, HKD8,000 or more eligible spend qualifies for HKD200 RewardCash.
• HSBC credit-card welcome promotion: 2026-03-01 – 2027-02-28

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 ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • 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.

No comparable purchase saving is specified for this benefit type. • 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.

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 ↗

Alternative offer in the same group; only the best group offer is counted. • Source-stated rate for eligible transactions posted in Hong Kong dollars. • Limit: unlimited. • Limit applies to: CashBack on eligible card spending • Applies to all eligible spending, subject to the conditions. • Eligible retail transactions include online purchases and interest-free monthly instalments; CashBack for an instalment is awarded only on the amount posted in that month. • Excludes transfers or top-ups to designated accounts, insurance, specified bill payments, phone or mail orders, gambling, securities, specified non-financial or financial institution transactions, wire transfers, money orders, wholesale precious stones, metals, watches or jewellery, charitable or government transactions, Octopus Automatic Add Value, cash advances, balance transfers, Instalment Credit, Credit-to-Cash, tax, charges and fees, and unposted, cancelled, refunded, falsified or unauthorised transactions. • Account must be valid and in good financial standing; the Bank may withhold CashBack if a minimum payment was missed in the prior 12 months. CashBack is shown on 360 Rewards, is not automatically credited to the card, and has a HKD50 minimum redemption. Amounts round down to the nearest cent.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: CashBack on eligible card spending · Period: per year · Type: unlimited
• Percentage note: Source stated rate for eligible transactions posted in Hong Kong dollars.
• Eligible retail transactions include online purchases and interest-free monthly instalments; CashBack for an instalment is awarded only on the amount posted in that month.
• Excludes transfers or top-ups to designated accounts, insurance, specified bill payments, phone or mail orders, gambling, securities, specified non-financial or financial institution transactions, wire transfers, money orders, wholesale precious stones, metals, watches or jewellery, charitable or government transactions, Octopus Automatic Add Value, cash advances, balance transfers, Instalment Credit, Credit-to-Cash, tax, charges and fees, and unposted, cancelled, refunded, falsified or unauthorised transactions.
• Account must be valid and in good financial standing; the Bank may withhold CashBack if a minimum payment was missed in the prior 12 months. CashBack is shown on 360 Rewards, is not automatically credited to the card, and has a HKD50 minimum redemption. Amounts round down to the nearest cent.

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HKD1,200 / HKD3,000 * 100 = 40.00%, rounded to 40%. This threshold equivalent uses the minimum eligible spend; the effective rate decreases as spend exceeds HKD3,000. • Limit applies to: welcome CashBack • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • Apply for Simply Cash Visa Card on the Bank website during the promotion period and receive the principal card by 2027-04-30. New Cardholder means no current principal Standard Chartered or MANHATTAN card and no such card cancelled in the prior six months. • Hold a Premium Banking, Priority Banking or Priority Private Banking plan and maintain Total Balance of at least HKD100,000 until the reward is credited. Total Balance includes qualifying deposits, investments and selected insurance premiums under a personal account as primary holder; Manulife Global Select MPF balance is excluded. • Spend at least HKD3,000 on eligible transactions within the first two months after card issue. The offer is credited within five months to 360 Rewards, not automatically to the card. Joint accounts qualify only for the primary holder; closure of the card or eligible banking plan before fulfilment forfeits the reward. • Section A.5 says a Welcome Offer is not redeemable for cash; Section F.6 says this CashBack can be redeemed for cash through 360 Rewards, with a HKD50 minimum and multiples of HKD50. This conflict remains unresolved. • The page summary names Premium Banking; the detailed Section F terms also name Priority Banking and Priority Private Banking. Detailed terms are used for eligibility.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Applies to: welcome CashBack · Period: not stated · Type: not stated
• Percentage note: HKD1,200 / HKD3,000 * 100 = 40.00%, rounded to 40%. This threshold equivalent uses the minimum eligible spend; the effective rate decreases as spend exceeds HKD3,000.
• Application or registration is required.
• Apply for Simply Cash Visa Card on the Bank website during the promotion period and receive the principal card by 2027-04-30. New Cardholder means no current principal Standard Chartered or MANHATTAN card and no such card cancelled in the prior six months.
• Hold a Premium Banking, Priority Banking or Priority Private Banking plan and maintain Total Balance of at least HKD100,000 until the reward is credited. Total Balance includes qualifying deposits, investments and selected insurance premiums under a personal account as primary holder; Manulife Global Select MPF balance is excluded.
• Spend at least HKD3,000 on eligible transactions within the first two months after card issue. The offer is credited within five months to 360 Rewards, not automatically to the card. Joint accounts qualify only for the primary holder; closure of the card or eligible banking plan before fulfilment forfeits the reward.
• Section A.5 says a Welcome Offer is not redeemable for cash; Section F.6 says this CashBack can be redeemed for cash through 360 Rewards, with a HKD50 minimum and multiples of HKD50. This conflict remains unresolved.
• The page summary names Premium Banking; the detailed Section F terms also name Priority Banking and Priority Private Banking. Detailed terms are used for eligibility.
• Application submission: 2026-09-21 – 2027-01-17

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Source states a 0% handling fee for the 3-month plan. • Limit: unlimited. • Limit applies to: Eligible 3-month instalment plans • Application, registration or activation required. See conditions. • New Cardholder must not currently hold or have cancelled a principal Standard Chartered or MANHATTAN card in the six months before approval. • Simply Cash Visa principal card must be issued by 2026-10-31. Apply for an eligible statement instalment plan within two months after card issue and no later than 2026-10-31. • Apply through SC Mobile App or online. Plan must have a three-month tenor and receive instant approval without manual intervention. Terms permit unlimited eligible plans.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Eligible 3 month instalment plans · Period: promotion total · Type: unlimited
• Percentage note: Source states a 0% handling fee for the 3 month plan.
• Application or registration is required.
• New Cardholder must not currently hold or have cancelled a principal Standard Chartered or MANHATTAN card in the six months before approval.
• Simply Cash Visa principal card must be issued by 2026-10-31. Apply for an eligible statement instalment plan within two months after card issue and no later than 2026-10-31.
• Apply through SC Mobile App or online. Plan must have a three-month tenor and receive instant approval without manual intervention. Terms permit unlimited eligible plans.
• Promotion period, card issue and plan application deadlines: 2026-10-01 – 2026-10-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: interest-free period • KFS states no purchase interest is charged when the balance is paid in full by the due date each month.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: interest free period · Period: not stated · Type: not stated
• KFS states no purchase 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. • Audience: other • Limit applies to: principal annual fee • Available to Priority Banking or Premium Banking clients who meet the relevant Minimum Relationship Balance requirement, or payroll account clients. • Waiver covers one year from the card anniversary. The cardholder must meet the conditions in the annual-fee billing month.

• Eligibility: Audience: other
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: principal annual fee · Period: not stated · Type: not stated
• Available to Priority Banking or Premium Banking clients who meet the relevant Minimum Relationship Balance requirement, or payroll account clients.
• Waiver covers one year from the card anniversary. The cardholder must meet the conditions in the annual-fee billing month.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: supplementary annual fee • KFS lists the supplementary-card annual fee as waived. It does not state the fee amount.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: supplementary annual fee · Period: not stated · Type: not stated
• KFS lists the supplementary-card annual fee as waived. It does not state the fee amount.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: late fee • KFS states the late fee is waived after failure to pay the Minimum Payment Due for three consecutive months or more. This is separate from the standard late-payment fee.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: late fee · Period: not stated · Type: not stated
• KFS states the late fee is waived after failure to pay the Minimum Payment Due for three consecutive months or more. This is separate from the standard late-payment fee.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: delinquent APR/default charge • KFS states “Delinquent APR/Default rate: Waived”. The rate and monetary value are not stated. Classified as a fee waiver because it waives a named charge; no numeric value is inferred.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: delinquent APR/default charge · Period: not stated · Type: not stated
• KFS states “Delinquent APR/Default rate: Waived”. The rate and monetary value are not stated. Classified as a fee waiver because it waives a named charge; no numeric value is inferred.

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Limit: unlimited. • Limit applies to: 3X bonus-point reward on local or overseas card spending • Applies to all eligible spending, subject to the conditions. • This is the alternative to the 1.5% cash rebate. The source does not state the points programme name or the cash value of points. • The reward applies to local or overseas card spending without a stated limit.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: 3X bonus point reward on local or overseas card spending · Period: not stated · Type: unlimited
• This is the alternative to the 1.5% cash rebate. The source does not state the points programme name or the cash value of points.
• The reward applies to local or overseas card spending without a stated limit.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Limit applies to: No cap or limit is stated. • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • Monthly flat rate is 0.235%. The source states an APR of 5.29% for this repayment tenor. APR calculations use a HK$10,000 installment amount; the page gives 12-month APR as 5.29%, 24-month APR as 5.46%, and 36-month APR as 5.48%. • No documents are required. The source lists an application hotline and states that the Bank may apportion installment payments between interest and principal.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: No cap or limit is stated. · Period: not stated · Type: not stated
• Application or registration is required.
• Monthly flat rate is 0.235%. The source states an APR of 5.29% for this repayment tenor. APR calculations use a HK$10,000 installment amount; the page gives 12-month APR as 5.29%, 24-month APR as 5.46%, and 36-month APR as 5.48%.
• No documents are required. The source lists an application hotline and states that the Bank may apportion installment payments between interest and principal.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Limit applies to: No cap or limit is stated. • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • Monthly flat rate is 0.235%. The source states an APR of 5.46% for this repayment tenor. APR calculations use a HK$10,000 installment amount; the page gives 12-month APR as 5.29%, 24-month APR as 5.46%, and 36-month APR as 5.48%. • No documents are required. The source lists an application hotline and states that the Bank may apportion installment payments between interest and principal.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: No cap or limit is stated. · Period: not stated · Type: not stated
• Application or registration is required.
• Monthly flat rate is 0.235%. The source states an APR of 5.46% for this repayment tenor. APR calculations use a HK$10,000 installment amount; the page gives 12-month APR as 5.29%, 24-month APR as 5.46%, and 36-month APR as 5.48%.
• No documents are required. The source lists an application hotline and states that the Bank may apportion installment payments between interest and principal.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Limit applies to: No cap or limit is stated. • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • Monthly flat rate is 0.235%. The source states an APR of 5.48% for this repayment tenor. APR calculations use a HK$10,000 installment amount; the page gives 12-month APR as 5.29%, 24-month APR as 5.46%, and 36-month APR as 5.48%. • No documents are required. The source lists an application hotline and states that the Bank may apportion installment payments between interest and principal.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: No cap or limit is stated. · Period: not stated · Type: not stated
• Application or registration is required.
• Monthly flat rate is 0.235%. The source states an APR of 5.48% for this repayment tenor. APR calculations use a HK$10,000 installment amount; the page gives 12-month APR as 5.29%, 24-month APR as 5.46%, and 36-month APR as 5.48%.
• No documents are required. The source lists an application hotline and states that the Bank may apportion installment payments between interest and principal.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: No cap or limit is stated. • The card supports payment at designated Hong Kong taxis, Hong Kong-Zhuhai-Macau Bridge fares, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machines, Shenzhen taxis, and Guangzhou public buses. • The source states payment and travel convenience but gives no monetary value, discount, or access limit.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: No cap or limit is stated. · Period: not stated · Type: not stated
• The card supports payment at designated Hong Kong taxis, Hong Kong-Zhuhai-Macau Bridge fares, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machines, Shenzhen taxis, and Guangzhou public buses.
• The source states payment and travel convenience but gives no monetary value, discount, or access limit.

Open source offer ↗

Category or merchant does not match. • Limit applies to: No cap or limit is stated. • Eligible categories: 海外簽賬, 中國內地簽賬 • The card has HKD and RMB accounts. The source states a waiver of foreign-exchange fees for spending in CNY and foreign currencies, and a handling-fee waiver for overseas spending. The fee amount or percentage is not stated.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 / 中國內地簽賬 · Type: category
• Benefit limit: Applies to: No cap or limit is stated. · Period: not stated · Type: not stated
• The card has HKD and RMB accounts. The source states a waiver of foreign-exchange fees for spending in CNY and foreign currencies, and a handling-fee waiver for overseas spending. The fee amount or percentage is not stated.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: No cap or limit is stated. • Application, registration or activation required. See conditions. • The cardholder must download the UnionPay App and bind the ICBC Greater Bay Area Dual Currency Card. The page mentions other Hong Kong, Macau, and cross-border privileges but does not list them.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: No cap or limit is stated. · Period: not stated · Type: not stated
• Application or registration is required.
• The cardholder must download the UnionPay App and bind the ICBC Greater Bay Area Dual Currency Card. The page mentions other Hong Kong, Macau, and cross-border privileges but does not list them.

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit applies to: No cap or limit is stated. • Eligible categories: 其他 • The page directs cardholders to UnionPay's cross-border marketing platform for global discounts and lists Mainland China, Hong Kong, Macau, Taiwan, Japan, Korea, Southeast Asia, Europe, and the United States. The retained page does not state the discount values, merchants, or detailed eligibility.

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Applies to: No cap or limit is stated. · Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• The page directs cardholders to UnionPay's cross-border marketing platform for global discounts and lists Mainland China, Hong Kong, Macau, Taiwan, Japan, Korea, Southeast Asia, Europe, and the United States. The retained page does not state the discount values, merchants, or detailed eligibility.

Open source offer ↗

The source lists an exclusion affecting 交通; eligibility for this purchase is not established. • Limit: 200 HKD · Per Month • Limit applies to: Additional promotional cash rebate per customer • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 1000 • Eligibility: Phase Spend Min: 4000 • Eligible categories: 中國內地簽賬, 海外簽賬 • The card must be bound to Apple Pay, ICBC Pay, or UnionPay App. An individual transaction must reach RMB/HK$1,000 or equivalent, and monthly accumulated eligible spending must reach RMB/HK$4,000 or equivalent. • The promotion page headline combines the additional up-to-5% offer with a generic basic reward of up to 2%. The target-card page states a 1.5% basic cash rebate for this Diamond Card; the 2% basic rate is not confirmed for this card. • Eligible transactions are RMB or foreign-currency retail spending at merchants in Mainland China or overseas regions, excluding Hong Kong and corporate cards. Exclusions include cash advances, transfers and repayments, e-wallet reloads/transfers, donations, gambling, supermarkets, fuel, transport, property, motor vehicles, wholesale, hospitals, and tuition in China. Other exclusions and the Bank's transaction classification rules also apply. • The per-customer promotional cap is HK$200 per month and HK$600 for the full promotion. The promotion fund is capped at HK$400,000 and availability is limited by quota. • Spending is based on transaction date and must post no later than seven days after the promotion period. Principal and supplementary card spending is combined by customer. The card account must remain valid and have no arrears when rebate is credited. Rebate is credited to the principal cardholder's HKD account by the end of February 2027. • RMB spending is counted at HK$1 for RMB1; overseas spending is converted using the HKD amount posted by the Bank. This offer cannot be combined with other Bank promotions or offers. The Bank may deduct rewards for ineligible transactions, change or suspend the offer, and disqualify fraud. The page also includes standard dispute and system-failure terms. • The campaign page states that no handling fees are required for spending in Mainland China or overseas, but it does not define the fee or clarify whether this statement is limited to the promotion period.

• Eligibility: Audience: all
• Eligible spending: Applies to: 中國內地簽賬 / 海外簽賬 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$1,000.00
• Requirements: Period spend ≥: HK$4,000.00
• Benefit limit: Amount: 200 · Applies to: Additional promotional cash rebate per customer · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Application or registration is required.
• The complete list of eligible merchants is not available.
• The card must be bound to Apple Pay, ICBC Pay, or UnionPay App. An individual transaction must reach RMB/HK$1,000 or equivalent, and monthly accumulated eligible spending must reach RMB/HK$4,000 or equivalent.
• The promotion page headline combines the additional up-to-5% offer with a generic basic reward of up to 2%. The target-card page states a 1.5% basic cash rebate for this Diamond Card; the 2% basic rate is not confirmed for this card.
• Eligible transactions are RMB or foreign-currency retail spending at merchants in Mainland China or overseas regions, excluding Hong Kong and corporate cards. Exclusions include cash advances, transfers and repayments, e-wallet reloads/transfers, donations, gambling, supermarkets, fuel, transport, property, motor vehicles, wholesale, hospitals, and tuition in China. Other exclusions and the Bank's transaction classification rules also apply.
• The per-customer promotional cap is HK$200 per month and HK$600 for the full promotion. The promotion fund is capped at HK$400,000 and availability is limited by quota.
• Spending is based on transaction date and must post no later than seven days after the promotion period. Principal and supplementary card spending is combined by customer. The card account must remain valid and have no arrears when rebate is credited. Rebate is credited to the principal cardholder's HKD account by the end of February 2027.
• RMB spending is counted at HK$1 for RMB1; overseas spending is converted using the HKD amount posted by the Bank. This offer cannot be combined with other Bank promotions or offers. The Bank may deduct rewards for ineligible transactions, change or suspend the offer, and disqualify fraud. The page also includes standard dispute and system-failure terms.
• The campaign page states that no handling fees are required for spending in Mainland China or overseas, but it does not define the fee or clarify whether this statement is limited to the promotion period.

Open source offer ↗

Alternative offer in the same group; only the best group offer is counted. • Audience: Senior • Cash-equivalent calculation: HKD2 cash reward ÷ HKD200 Eligible Transaction × 100 = 1%. The amount is calculated per eligible transaction up to the last integer; each transaction below HKD200 earns no cash reward. • Minimum spend: Period: per_transaction; Spend: 200 • Applies to all eligible spending, subject to the conditions. • The Cash Reward Scheme applies to principal and supplementary cardholders of the Dah Sing DORAEMON Credit Card. • Eligible Transactions are retail purchase amounts and Octopus Automatic Add Value Service amounts only. • Eligible Transactions exclude cash advances, autopay, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment amounts, JET Payment amounts, tax payments, interest-free monthly instalment amounts, cheque payment amounts if applicable, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions. • Cash reward is calculated for each Eligible Transaction up to the last integer shown on the monthly statement. A transaction below HKD200 does not receive cash reward. The Bank has the final decision on whether a transaction is eligible. • Cash reward is credited monthly. If a DORAEMON Kids Savings Account was successfully applied for together with an Eligible Card, rewards for principal and supplementary cardholders are credited to designated account or accounts, divided proportionally across a maximum of three accounts; otherwise rewards are credited to the respective Eligible Card account. • If a relevant Eligible Transaction is cancelled or charged off after the reward is distributed, the Bank may debit the equivalent reward value from the Eligible Card account without prior notice. • Cash reward is for settling new purchases only. It is not transferable and cannot be redeemed for cash, withdrawn as a cash advance, or exchanged for a gift or discount. • The HTML lists Rewards Through Octopus Auto-reload and says bonus points. The dated formal terms define Octopus AAVS amounts as Eligible Transactions under the Cash Reward Scheme; the formal terms control and no separate points rate is emitted. • The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

• Eligibility: Audience: senior
• Eligible spending: Type: all
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 cash reward ÷ HKD200 Eligible Transaction × 100 = 1%. The amount is calculated per eligible transaction up to the last integer; each transaction below HKD200 earns no cash reward.
• The Cash Reward Scheme applies to principal and supplementary cardholders of the Dah Sing DORAEMON Credit Card.
• Eligible Transactions are retail purchase amounts and Octopus Automatic Add Value Service amounts only.
• Eligible Transactions exclude cash advances, autopay, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment amounts, JET Payment amounts, tax payments, interest-free monthly instalment amounts, cheque payment amounts if applicable, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions.
• Cash reward is calculated for each Eligible Transaction up to the last integer shown on the monthly statement. A transaction below HKD200 does not receive cash reward. The Bank has the final decision on whether a transaction is eligible.
• Cash reward is credited monthly. If a DORAEMON Kids Savings Account was successfully applied for together with an Eligible Card, rewards for principal and supplementary cardholders are credited to designated account or accounts, divided proportionally across a maximum of three accounts; otherwise rewards are credited to the respective Eligible Card account.
• If a relevant Eligible Transaction is cancelled or charged off after the reward is distributed, the Bank may debit the equivalent reward value from the Eligible Card account without prior notice.
• Cash reward is for settling new purchases only. It is not transferable and cannot be redeemed for cash, withdrawn as a cash advance, or exchanged for a gift or discount.
• The HTML lists Rewards Through Octopus Auto-reload and says bonus points. The dated formal terms define Octopus AAVS amounts as Eligible Transactions under the Cash Reward Scheme; the formal terms control and no separate points rate is emitted.
• The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

New-customer offers are excluded from this purchase comparison. • Audience: Senior; Customer: New customer • Fixed welcome gift; the local source states no cash value or comparison denominator, so no percentage is calculated. • 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 a new principal card applicant who did not hold any principal or supplementary card of any card type issued by the Bank in the 12 months before the card opening date. • The applicant must successfully apply for an Eligible Card from 1 January 2026 to 31 December 2026. Each New Cardholder may apply for one Eligible Card and receive the welcome offer once only; if other Dah Sing Credit Cards are also applied for, only the first approved Dah Sing Credit Card welcome offer applies. • Eligible Spending of HKD3,000 or above must be accumulated within the first two months from the card issuance date. Supplementary-card Eligible Spending is combined with the corresponding principal Eligible Card. • Eligible Spending includes retail purchases, online transactions, cash advances, autopay, recurring payments, designated mobile-payment transactions including Apple Pay, Google Pay and Samsung Pay, interest-free monthly instalments, gift-redemption fees if applicable, and cheque payments if applicable. • Eligible Spending excludes Stocks Investment Savings Plans, Octopus Automatic Add Value Service amounts, mobile-wallet top-ups including Octopus top-ups through mobile payment, adding a new Octopus through mobile payment, mobile transfers and top-ups including PayMe, TNG and Tap & Go, WeChat Pay HK, AlipayHK, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, Pay Easy Bill Payment amounts, JET Payment amounts, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions. • The Bank decides eligibility from its records. Eligible Spending uses the relevant transaction dates and decimal places are rounded down to the nearest integer. • After the spending requirement is met, the Bank will notify the New Cardholder of delivery or redemption arrangements within three months. The Eligible Card account must be valid and in good standing when notification is issued. Delivery is to the statement mailing address and the Bank will not reissue or redeliver an unreceived gift. • If redemption by letter is required, the New Cardholder must bring the letter to the designated redemption centre. The Bank will not reissue a letter that is damaged, lost, stolen or expired; centre details are in the letter. • The New Cardholder must keep original sales slips. The Bank may request original slips or other documents for verification, and submitted documents will not be returned. • For fraud, abuse, reversal or cancellation of qualifying transactions, the Bank may debit the equivalent gift value from the New Cardholder's card or linked bank account without prior notice. • Gift photos and product information are for reference. The Bank is not the gift supplier and gives no representation or guarantee about gift quality. • The gift is not transferable or refundable and cannot be exchanged for cash, another gift or a discount. It is available first come first served while stocks last; the Bank may substitute another gift, and the gift cannot be changed, cancelled or returned once provided. • If the New Cardholder cancels the principal Eligible Card within 13 months from the card issuance date after receiving the gift, the Bank will charge a handling fee of HKD200. • The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

• Eligibility: Audience: senior · 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 local source states no cash value or comparison denominator, so no percentage is calculated.
• Application or registration is required.
• The offer applies to a new principal card applicant who did not hold any principal or supplementary card of any card type issued by the Bank in the 12 months before the card opening date.
• The applicant must successfully apply for an Eligible Card from 1 January 2026 to 31 December 2026. Each New Cardholder may apply for one Eligible Card and receive the welcome offer once only; if other Dah Sing Credit Cards are also applied for, only the first approved Dah Sing Credit Card welcome offer applies.
• Eligible Spending of HKD3,000 or above must be accumulated within the first two months from the card issuance date. Supplementary-card Eligible Spending is combined with the corresponding principal Eligible Card.
• Eligible Spending includes retail purchases, online transactions, cash advances, autopay, recurring payments, designated mobile-payment transactions including Apple Pay, Google Pay and Samsung Pay, interest-free monthly instalments, gift-redemption fees if applicable, and cheque payments if applicable.
• Eligible Spending excludes Stocks Investment Savings Plans, Octopus Automatic Add Value Service amounts, mobile-wallet top-ups including Octopus top-ups through mobile payment, adding a new Octopus through mobile payment, mobile transfers and top-ups including PayMe, TNG and Tap & Go, WeChat Pay HK, AlipayHK, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, Pay Easy Bill Payment amounts, JET Payment amounts, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions.
• The Bank decides eligibility from its records. Eligible Spending uses the relevant transaction dates and decimal places are rounded down to the nearest integer.
• After the spending requirement is met, the Bank will notify the New Cardholder of delivery or redemption arrangements within three months. The Eligible Card account must be valid and in good standing when notification is issued. Delivery is to the statement mailing address and the Bank will not reissue or redeliver an unreceived gift.
• If redemption by letter is required, the New Cardholder must bring the letter to the designated redemption centre. The Bank will not reissue a letter that is damaged, lost, stolen or expired; centre details are in the letter.
• The New Cardholder must keep original sales slips. The Bank may request original slips or other documents for verification, and submitted documents will not be returned.
• For fraud, abuse, reversal or cancellation of qualifying transactions, the Bank may debit the equivalent gift value from the New Cardholder's card or linked bank account without prior notice.
• Gift photos and product information are for reference. The Bank is not the gift supplier and gives no representation or guarantee about gift quality.
• The gift is not transferable or refundable and cannot be exchanged for cash, another gift or a discount. It is available first come first served while stocks last; the Bank may substitute another gift, and the gift cannot be changed, cancelled or returned once provided.
• If the New Cardholder cancels the principal Eligible Card within 13 months from the card issuance date after receiving the gift, the Bank will charge a handling fee of HKD200.
• The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.
• DORAEMON Credit Card Welcome Offer Promotion Period: 2026-01-01 – 2026-12-31