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The source lists an exclusion affecting 賬單及公用事業; eligibility for this purchase is not established. • Customer: New customer • HKD 700 / HKD 8,000 × 100 = 8.75% (rounded to 2 decimal places); this threshold-equivalent rate decreases when eligible spend exceeds HKD 8,000. • Limit applies to: HKD 700 CashBack reward • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • Choose CashBack during card application; the choice cannot be changed. • Apply successfully for a principal sim World Mastercard during the promotion period. The applicant must not currently hold, or have held or cancelled, a principal card from the issuer in the prior 12 calendar months, and must not have used or held the issuer's non-card credit services or accounts in that period. • Earn the reward after at least HKD 8,000 in eligible retail purchases within 90 calendar days after card issue. Excludes cash advances, fees, bill payments, utilities, insurance, donations, cash vouchers, investments, gambling, money or wallet transfers, stored-value top-ups, instalments, and reversed or unauthorized transactions. • This is one of three welcome reward choices; only one applies. For multiple eligible cards issued together, only the first issued card qualifies. The account must stay valid and in good standing through the promotion and fulfilment period. Cancellation within 13 months may result in a debit for the reward value. Rewards are first come, while stocks last.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Applies to: HKD 700 CashBack reward · Period: not stated · Type: not stated
• Percentage note: HKD 700 / HKD 8,000 × 100 = 8.75% (rounded to 2 decimal places); this threshold equivalent rate decreases when eligible spend exceeds HKD 8,000.
• Application or registration is required.
• Choose CashBack during card application; the choice cannot be changed.
• Apply successfully for a principal sim World Mastercard during the promotion period. The applicant must not currently hold, or have held or cancelled, a principal card from the issuer in the prior 12 calendar months, and must not have used or held the issuer's non-card credit services or accounts in that period.
• Earn the reward after at least HKD 8,000 in eligible retail purchases within 90 calendar days after card issue. Excludes cash advances, fees, bill payments, utilities, insurance, donations, cash vouchers, investments, gambling, money or wallet transfers, stored-value top-ups, instalments, and reversed or unauthorized transactions.
• This is one of three welcome reward choices; only one applies. For multiple eligible cards issued together, only the first issued card qualifies. The account must stay valid and in good standing through the promotion and fulfilment period. Cancellation within 13 months may result in a debit for the reward value. Rewards are first come, while stocks last.
• Welcome Offer: 2026-10-01 – 2026-10-31

Open source offer ↗

The source lists an exclusion affecting 賬單及公用事業; eligibility for this purchase is not established. • Customer: New customer • Limit applies to: HKD 700 Apple Store gift card • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • Choose the gift card during card application; the choice cannot be changed. • Apply successfully for a principal sim World Mastercard during the promotion period. The applicant must not currently hold, or have held or cancelled, a principal card from the issuer in the prior 12 calendar months, and must not have used or held the issuer's non-card credit services or accounts in that period. • Earn the reward after at least HKD 8,000 in eligible retail purchases within 90 calendar days after card issue. Exclusions include cash advances, fees, bill payments, utilities, insurance, donations, cash vouchers, investments, gambling, money or wallet transfers, stored-value top-ups, instalments, and reversed or unauthorized transactions. • This is one of three welcome reward choices; only one applies. For multiple eligible cards issued together, only the first issued card qualifies. The account must stay valid and in good standing through the promotion and fulfilment period. Cancellation within 13 months may result in a debit for the reward value. Rewards are first come, while stocks last.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Applies to: HKD 700 Apple Store gift card · Period: not stated · Type: not stated
• Application or registration is required.
• Choose the gift card during card application; the choice cannot be changed.
• Apply successfully for a principal sim World Mastercard during the promotion period. The applicant must not currently hold, or have held or cancelled, a principal card from the issuer in the prior 12 calendar months, and must not have used or held the issuer's non-card credit services or accounts in that period.
• Earn the reward after at least HKD 8,000 in eligible retail purchases within 90 calendar days after card issue. Exclusions include cash advances, fees, bill payments, utilities, insurance, donations, cash vouchers, investments, gambling, money or wallet transfers, stored-value top-ups, instalments, and reversed or unauthorized transactions.
• This is one of three welcome reward choices; only one applies. For multiple eligible cards issued together, only the first issued card qualifies. The account must stay valid and in good standing through the promotion and fulfilment period. Cancellation within 13 months may result in a debit for the reward value. Rewards are first come, while stocks last.
• 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 · Promotion Total • Limit applies to: Cash Instalment Amount; also limited to 95% of approved credit limit, whichever is lower • Application, registration or activation required. See conditions. • This is one of three welcome reward choices; only one applies. Apply for the plan and select it as the welcome offer. • The minimum cash instalment is HKD 500, in HKD 100 increments. The plan has a six-month repayment period and waives monthly handling fees when each monthly repayment is paid in full on its payment date. • The account must be activated or receipt of the physical card acknowledged within 60 days. The issuer may set the approved amount. Cash Instalment Amounts do not earn cashback or other rewards. The account must stay in good standing. • If repayment is late or incomplete, finance charges and other applicable fees may apply. On plan cancellation or early settlement, outstanding instalments, any applicable one-off application fee and monthly handling fees, and an HKD 300 early-settlement handling fee may be due.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 100000 · Applies to: Cash Instalment Amount; also limited to 95% of approved credit limit, whichever is lower · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• This is one of three welcome reward choices; only one applies. Apply for the plan and select it as the welcome offer.
• The minimum cash instalment is HKD 500, in HKD 100 increments. The plan has a six-month repayment period and waives monthly handling fees when each monthly repayment is paid in full on its payment date.
• The account must be activated or receipt of the physical card acknowledged within 60 days. The issuer may set the approved amount. Cash Instalment Amounts do not earn cashback or other rewards. The account must stay in good standing.
• If repayment is late or incomplete, finance charges and other applicable fees may apply. On plan cancellation or early settlement, outstanding instalments, any applicable one-off application fee and monthly handling fees, and an HKD 300 early-settlement handling fee may be due.
• Cash Instalment Plan welcome offer: 2026-10-01 – 2026-10-31

Open source offer ↗

The source lists an exclusion affecting 賬單及公用事業; eligibility for this purchase is not established. • Limit: 200 HKD · Per Month • Limit applies to: CashBack per Eligible Card under the promotion • Minimum spend: Period: per_transaction; Spend: 500 • Eligibility: Phase Spend Min: 1000 • Eligible categories: 網上購物 • The rate includes the basic 0.4% rebate. Each online retail transaction must have a net amount of at least HKD 500 in the same calendar month. • The cardholder must accumulate HKD 1,000 in non-online eligible retail transactions in that calendar month. Online overseas transactions count as online transactions. • The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals. • Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.

• 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: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The rate includes the basic 0.4% rebate. Each online retail transaction must have a net amount of at least HKD 500 in the same calendar month.
• The cardholder must accumulate HKD 1,000 in non-online eligible retail transactions in that calendar month. Online overseas transactions count as online transactions.
• The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
• Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.
• CashBack Promotion: 2026-10-01 – 2026-12-31

Open source offer ↗

The source lists an exclusion affecting 賬單及公用事業; eligibility for this purchase is not established. • Limit: 200 HKD · Per Month • Limit applies to: CashBack per Eligible Card under the promotion • Eligibility: Phase Spend Min: 1000 • Eligible categories: 海外簽賬 • The rate includes the basic 0.4% rebate. Eligible overseas retail means a retail transaction made outside Hong Kong and posted in a currency other than HKD. Online overseas transactions count as online transactions. • The cardholder must accumulate HKD 1,000 in non-online eligible retail transactions in the same calendar month. • The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals. • Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The rate includes the basic 0.4% rebate. Eligible overseas retail means a retail transaction made outside Hong Kong and posted in a currency other than HKD. Online overseas transactions count as online transactions.
• The cardholder must accumulate HKD 1,000 in non-online eligible retail transactions in the same calendar month.
• The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
• Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.
• 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: CashBack per Eligible Card under the promotion • Eligibility: Phase Spend Min: 1000 • Merchants: adidas, puma, fila, matsukiyo-hk, tokyo-lifestyle • Eligible merchants: adidas, puma, fila, matsukiyo-hk, tokyo-lifestyle • The rate includes the basic 0.4% rebate and requires HKD 1,000 in non-online eligible retail transactions in the same calendar month. • Applies to posted transactions at physical Hong Kong stores of Adidas, PUMA, Fila, matsukiyo HK, and Tokyo Lifestyle. Online store transactions count as online transactions. • The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals. • Transactions must meet the issuer's merchant-code rules. The account must remain valid and in good standing. Reversed, refunded, fraudulent, or abused transactions may have cashback debited.

• 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: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The rate includes the basic 0.4% rebate and requires HKD 1,000 in non-online eligible retail transactions in the same calendar month.
• Applies to posted transactions at physical Hong Kong stores of Adidas, PUMA, Fila, matsukiyo HK, and Tokyo Lifestyle. Online store transactions count as online transactions.
• The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
• Transactions must meet the issuer's merchant-code rules. The account must remain valid and in good standing. Reversed, refunded, fraudulent, or abused transactions may have cashback debited.
• CashBack Promotion: 2026-10-01 – 2026-12-31

Open source offer ↗

The source lists an exclusion affecting 賬單及公用事業; eligibility for this purchase is not established. • Limit: 200 HKD · Per Month • Limit applies to: CashBack per Eligible Card under the promotion • Eligible categories: 其他 • Applies to eligible retail transactions not classified as online, overseas, or designated local merchant transactions. The terms show no separate monthly spending requirement for this rate. • The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals. • Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Amount: 200 · Applies to: CashBack per Eligible Card under the promotion · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Applies to eligible retail transactions not classified as online, overseas, or designated local merchant transactions. The terms show no separate monthly spending requirement for this rate.
• The shared cap is HKD 200 per calendar month and HKD 600 for the promotion. Principal and supplementary card transactions are pooled. Cashback is calculated monthly, credited the following month, and rounded down to two decimals.
• Transactions must post during the promotion and meet the issuer's merchant-code rules. Exclusions include cash advances, fees, bills, utilities, insurance, donations, cash or e-money transfers, wallet reloads, stored-value top-ups, instalments, and reversed or unauthorized transactions. The account must remain valid and in good standing.
• CashBack Promotion: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Student; Document: Valid student identity card, verified by the Card Issuer. • Limit applies to: Annual fee waiver • Application, registration or activation required. See conditions. • The applicant must attend a full-time programme at an accredited Hong Kong institution listed in the promotion terms. • Submit the valid student identity card during application, or submit it later if it was not available at application. The Card Issuer must verify it. The eligible card account must remain valid and in good standing. • The HKD 1,800 value is the listed annual fee for a sim World Mastercard principal card. The issuer may choose only one promotion when promotions overlap.

• Eligibility: Audience: student · Document: Valid student identity card, verified by the Card Issuer.
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Annual fee waiver · Period: not stated · Type: not stated
• Application or registration is required.
• The applicant must attend a full-time programme at an accredited Hong Kong institution listed in the promotion terms.
• Submit the valid student identity card during application, or submit it later if it was not available at application. The Card Issuer must verify it. The eligible card account must remain valid and in good standing.
• The HKD 1,800 value is the listed annual fee for a sim World Mastercard principal card. The issuer may choose only one promotion when promotions overlap.
• Promotion valid until further notice: 2026-01-01 – Not stated

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Retail purchase interest-free period • The interest-free period is up to 53 days and does not apply to cash advance transactions. • No finance charge is levied if the Statement Balance of the monthly statement on which the relevant transaction first appears is paid in full on or before that statement's Payment Due Date.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Retail purchase interest free period · Period: not stated · Type: not stated
• The interest-free period is up to 53 days and does not apply to cash advance transactions.
• No finance charge is levied if the Statement Balance of the monthly statement on which the relevant transaction first appears is paid in full on or before that statement's Payment Due Date.

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This benefit does not apply to a purchase. •

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

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

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

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

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

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 ↗

This benefit does not apply to a purchase. • Customer: Existing customer • Limit applies to: application service • Application, registration or activation required. See conditions. • Applies to selected ICBC (Asia) customers: existing credit-card customers, existing Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above. • Selected customers can apply through the website, online banking, WeChat Official Account, or Mobile Banking App without resubmitting income and address proof. • Non-selected applicants must provide income and address proof; new ICBC (Asia) customers apply through Mobile Banking App and must submit Hong Kong identity, income, and address proof. • The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: application service · Period: not stated · Type: not stated
• Application or registration is required.
• Applies to selected ICBC (Asia) customers: existing credit-card customers, existing Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above.
• Selected customers can apply through the website, online banking, WeChat Official Account, or Mobile Banking App without resubmitting income and address proof.
• Non-selected applicants must provide income and address proof; new ICBC (Asia) customers apply through Mobile Banking App and must submit Hong Kong identity, income, and address proof.
• The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: digital-card availability • Application, registration or activation required. See conditions. • The card is ready to use after the application is approved. • The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: digital card availability · Period: not stated · Type: not stated
• Application or registration is required.
• The card is ready to use after the application is approved.
• The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: payment-security feature • Application, registration or activation required. See conditions. • Payments use a dynamic password. • The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: payment security feature · Period: not stated · Type: not stated
• Application or registration is required.
• Payments use a dynamic password.
• The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: credit facility • Application, registration or activation required. See conditions. • The maximum shared credit limit across Hong Kong Dollar and Renminbi is HK$30,000; each customer's approved limit is not stated. • The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: credit facility · Period: not stated · Type: not stated
• Application or registration is required.
• The maximum shared credit limit across Hong Kong Dollar and Renminbi is HK$30,000; each customer's approved limit is not stated.
• The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: online-payment feature • Application, registration or activation required. See conditions. • The virtual card can be used for online shopping and cardless payment. • Apple Pay is available only for the Visa Platinum Virtual Card and UnionPay Platinum Virtual Card, not the target Platinum Mastercard Virtual Card. • The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: online payment feature · Period: not stated · Type: not stated
• Application or registration is required.
• The virtual card can be used for online shopping and cardless payment.
• Apple Pay is available only for the Visa Platinum Virtual Card and UnionPay Platinum Virtual Card, not the target Platinum Mastercard Virtual Card.
• The virtual card is not applicable to cash advances, supplementary-card applications, replacement or re-issuance, or ATM-related services.

Open source offer ↗

This benefit does not apply to a purchase. • Customer: Existing customer • Application, registration or activation required. See conditions. • Applies to selected existing ICBC (Asia) customers: existing credit card customers, existing Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above. • New customers must apply through Mobile Banking App, scan a Hong Kong identity card, complete facial recognition and the form, and upload income and address proof. Non-selected customers must provide income and address proof.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Applies to selected existing ICBC (Asia) customers: existing credit card customers, existing Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above.
• New customers must apply through Mobile Banking App, scan a Hong Kong identity card, complete facial recognition and the form, and upload income and address proof. Non-selected customers must provide income and address proof.

Open source offer ↗

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • Use is available after the card application is approved.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Use is available after the card application is approved.

Open source offer ↗

This benefit does not apply to a purchase. •

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

Open source offer ↗

This benefit does not apply to a purchase. • The page states that the virtual card can pay for online shopping.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The page states that the virtual card can pay for online shopping.

Open source offer ↗

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • The card must be bound to Apple Pay. Payment is available on designated Apple devices at stores, apps, or websites that accept Apple Pay. • Apple Pay applies to the Visa Platinum Virtual Card. Terms and conditions apply; full terms are not present in this HTML.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The card must be bound to Apple Pay. Payment is available on designated Apple devices at stores, apps, or websites that accept Apple Pay.
• Apple Pay applies to the Visa Platinum Virtual Card. Terms and conditions apply; full terms are not present in this HTML.

Open source offer ↗

This benefit does not apply to a purchase. • Customer: Existing customer • Limit applies to: card application service • Application, registration or activation required. See conditions. • Selected customers can apply through the ICBC (Asia) website, online banking, WeChat Official Account, or Mobile Banking App. New customers can apply through Mobile Banking App. • Selected customers are existing ICBC (Asia) credit card customers, existing Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above. Selected customers do not need to submit income and address proof again. Non-selected customers need income and address proof. New customers must scan a Hong Kong identity card, complete facial recognition and the application form, and upload income and address proof.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: card application service · Period: not stated · Type: not stated
• Application or registration is required.
• Selected customers can apply through the ICBC (Asia) website, online banking, WeChat Official Account, or Mobile Banking App. New customers can apply through Mobile Banking App.
• Selected customers are existing ICBC (Asia) credit card customers, existing Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above. Selected customers do not need to submit income and address proof again. Non-selected customers need income and address proof. New customers must scan a Hong Kong identity card, complete facial recognition and the application form, and upload income and address proof.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: virtual card access • Application, registration or activation required. See conditions. • The card is ready to use upon approval. The page also describes viewing or activating the virtual card in Mobile Banking App or online banking after customer identity verification.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: virtual card access · Period: not stated · Type: not stated
• Application or registration is required.
• The card is ready to use upon approval. The page also describes viewing or activating the virtual card in Mobile Banking App or online banking after customer identity verification.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: dynamic-password payment feature • Application, registration or activation required. See conditions.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: dynamic password payment feature · Period: not stated · Type: not stated
• Application or registration is required.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: cardless online shopping feature • Application, registration or activation required. See conditions. • The page states that customers can use the virtual card for online shopping.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: cardless online shopping feature · Period: not stated · Type: not stated
• Application or registration is required.
• The page states that customers can use the virtual card for online shopping.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Apple Pay card feature • Application, registration or activation required. See conditions. • Apple Pay is applicable only to ICBC Dual Currency Credit Card - UnionPay Platinum Virtual Card and ICBC Credit Card - Visa Platinum Virtual Card. • The card must be bound to Apple Pay. It can be used on designated Apple devices at stores, apps, and websites that accept Apple Pay. The page says separate terms apply; the linked terms are not in this source package.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Apple Pay card feature · Period: not stated · Type: not stated
• Application or registration is required.
• Apple Pay is applicable only to ICBC Dual Currency Credit Card - UnionPay Platinum Virtual Card and ICBC Credit Card - Visa Platinum Virtual Card.
• The card must be bound to Apple Pay. It can be used on designated Apple devices at stores, apps, and websites that accept Apple Pay. The page says separate terms apply; the linked terms are not in this source package.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: card readiness • Application, registration or activation required. See conditions. • The card is ready to use after application approval. • Selected customers can apply through the website, online banking, WeChat Official Account, or mobile app. Other customers can apply through the mobile app. • Selected customers do not need to resubmit income and address proof. New customers must scan a Hong Kong identity card, complete facial recognition and the application form, and upload income and address proof. • Selected customers are existing ICBC (Asia) credit card customers, existing ICBC (Asia) Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above in ICBC (Asia); non-selected customers must provide income and address proof.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: card readiness · Period: not stated · Type: not stated
• Application or registration is required.
• The card is ready to use after application approval.
• Selected customers can apply through the website, online banking, WeChat Official Account, or mobile app. Other customers can apply through the mobile app.
• Selected customers do not need to resubmit income and address proof. New customers must scan a Hong Kong identity card, complete facial recognition and the application form, and upload income and address proof.
• Selected customers are existing ICBC (Asia) credit card customers, existing ICBC (Asia) Auto-Payroll Service customers, or existing customers with total assets of HK$20,000 or above in ICBC (Asia); non-selected customers must provide income and address proof.

This benefit does not apply to a purchase. • Limit applies to: dynamic-password payment feature

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: dynamic password payment feature · Period: not stated · Type: not stated

This benefit does not apply to a purchase. • Limit applies to: credit limit • The maximum shared credit limit is among Hong Kong Dollar and Renminbi.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: credit limit · Period: not stated · Type: not stated
• The maximum shared credit limit is among Hong Kong Dollar and Renminbi.

This benefit does not apply to a purchase. • Limit applies to: cardless payment service • Application, registration or activation required. See conditions. • Apple Pay applies to the UnionPay Platinum Virtual Card and Visa Platinum Virtual Card. • Apple Pay use requires binding the card and is limited to designated Apple devices and stores, apps, or websites that accept Apple Pay. • The virtual card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or ATM-related services.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: cardless payment service · Period: not stated · Type: not stated
• Application or registration is required.
• Apple Pay applies to the UnionPay Platinum Virtual Card and Visa Platinum Virtual Card.
• Apple Pay use requires binding the card and is limited to designated Apple devices and stores, apps, or websites that accept Apple Pay.
• The virtual card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or ATM-related services.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Resident • The source states a complimentary main course, not a percentage or cash comparison. • Eligible categories: 餐飲 • The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club. • The card is offered to ICBC (Asia) Elite Club customers only. • If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available. • Cardholders book a table through www.onedinesfree.com to enjoy a complimentary main course. • The offer is available at selected restaurants in Hong Kong and Asia. • The local source does not state the promotion period or provide a complete restaurant list. The linked promotion page is not used as evidence. • The offer is subject to the relevant terms and conditions.

• Eligibility: Audience: resident
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a complimentary main course, not a percentage or cash comparison.
• The complete list of eligible merchants is not available.
• The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club.
• The card is offered to ICBC (Asia) Elite Club customers only.
• If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available.
• Cardholders book a table through www.onedinesfree.com to enjoy a complimentary main course.
• The offer is available at selected restaurants in Hong Kong and Asia.
• The local source does not state the promotion period or provide a complete restaurant list. The linked promotion page is not used as evidence.
• The offer is subject to the relevant terms and conditions.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Resident • The source states dining offers but no numeric rate or fixed comparison basis. • Eligible categories: 餐飲 • The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club. • The card is offered to ICBC (Asia) Elite Club customers only. • If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available. • The cardholder must spend with the card at selected restaurants and bars in various districts in Hong Kong. • The local source does not state the offer rate, promotion period, or a complete list of participating restaurants and bars; the linked Mastercard page is not used as evidence. • The offer is subject to the relevant terms and conditions.

• Eligibility: Audience: resident
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states dining offers but no numeric rate or fixed comparison basis.
• The complete list of eligible merchants is not available.
• The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club.
• The card is offered to ICBC (Asia) Elite Club customers only.
• If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available.
• The cardholder must spend with the card at selected restaurants and bars in various districts in Hong Kong.
• The local source does not state the offer rate, promotion period, or a complete list of participating restaurants and bars; the linked Mastercard page is not used as evidence.
• The offer is subject to the relevant terms and conditions.

This benefit does not apply to a purchase. • Audience: Resident • The source states insurance protection and benefit limits, not a percentage reward. • Limit: 200 USD · Per Transaction • Limit applies to: E-Commerce Purchase Protection per occurrence • The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club. • The card is offered to ICBC (Asia) Elite Club customers only. • If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available. • The page states worldwide coverage for online purchases made with the card. • Covered cases include goods not delivered successfully or delivered by mistake, improper functioning due to physical damage to the delivered item, and non-delivery after 30 days from the scheduled delivery date. • The summary table states a maximum benefit amount of USD200 per occurrence and an annual aggregate of USD200. • The local source does not state the full policy exclusions, claim process, or other eligibility terms; relevant terms and conditions apply.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 200 · Applies to: E Commerce Purchase Protection per occurrence · Currency: USD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: The source states insurance protection and benefit limits, not a percentage reward.
• The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club.
• The card is offered to ICBC (Asia) Elite Club customers only.
• If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available.
• The page states worldwide coverage for online purchases made with the card.
• Covered cases include goods not delivered successfully or delivered by mistake, improper functioning due to physical damage to the delivered item, and non-delivery after 30 days from the scheduled delivery date.
• The summary table states a maximum benefit amount of USD200 per occurrence and an annual aggregate of USD200.
• The local source does not state the full policy exclusions, claim process, or other eligibility terms; relevant terms and conditions apply.

This benefit does not apply to a purchase. • Audience: Resident • The source states hotel privileges and a facility value limit, not a percentage reward. • Limit: 100 USD • Limit applies to: Special facilities in Mastercard Luxury Hotel and Resort Offers • The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club. • The card is offered to ICBC (Asia) Elite Club customers only. • If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available. • Mastercard Travel & Lifestyle Services cover privileges at many 4-star and 5-star hotels and resorts around the world. • The Luxury Hotel and Resort Offers include daily free breakfast, special facilities worth up to USD100, room upgrades, and early check-in or late check-out, subject to room availability. • The local source does not provide the participating-hotel list or promotion period; the linked Mastercard page is not used as evidence. • The offer is subject to the relevant terms and conditions.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 100 · Applies to: Special facilities in Mastercard Luxury Hotel and Resort Offers · Currency: USD · Period: not stated · Type: limited · Unit: currency
• Percentage note: The source states hotel privileges and a facility value limit, not a percentage reward.
• The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club.
• The card is offered to ICBC (Asia) Elite Club customers only.
• If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available.
• Mastercard Travel & Lifestyle Services cover privileges at many 4-star and 5-star hotels and resorts around the world.
• The Luxury Hotel and Resort Offers include daily free breakfast, special facilities worth up to USD100, room upgrades, and early check-in or late check-out, subject to room availability.
• The local source does not provide the participating-hotel list or promotion period; the linked Mastercard page is not used as evidence.
• The offer is subject to the relevant terms and conditions.

This benefit does not apply to a purchase. • Audience: Resident • The source states a price-difference guarantee, not a percentage reward. • The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club. • The card is offered to ICBC (Asia) Elite Club customers only. • If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available. • The cardholder must use Mastercard to book qualified hotel accommodation under Prepaid Hotel Prices or Pay at the Local Hotel Price through Mastercard Travel & Lifestyle Services online or an authorised-plan intermediary. • If the cardholder finds a lower online price excluding taxes and fees for the same room type, hotel, date, and number of children and adults, Mastercard will refund the difference. • The local source does not state the claim process, promotion period, or other guarantee terms; relevant terms and conditions apply.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a price difference guarantee, not a percentage reward.
• The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club.
• The card is offered to ICBC (Asia) Elite Club customers only.
• If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available.
• The cardholder must use Mastercard to book qualified hotel accommodation under Prepaid Hotel Prices or Pay at the Local Hotel Price through Mastercard Travel & Lifestyle Services online or an authorised-plan intermediary.
• If the cardholder finds a lower online price excluding taxes and fees for the same room type, hotel, date, and number of children and adults, Mastercard will refund the difference.
• The local source does not state the claim process, promotion period, or other guarantee terms; relevant terms and conditions apply.

This benefit does not apply to a purchase. • Audience: Resident • The source states travel-service privileges, not a percentage reward. • The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club. • The card is offered to ICBC (Asia) Elite Club customers only. • If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available. • Mastercard Travel & Lifestyle Services provide prestigious privileges such as car rental and air-ticket booking to cardholders. • The service description also refers to 4-star and 5-star hotels and resorts; the hotel-specific privileges are recorded in separate offers. • The local source does not state the booking terms, promotion period, or a complete service list; the linked Mastercard page is not used as evidence. • The offer is subject to the relevant terms and conditions.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states travel service privileges, not a percentage reward.
• The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club.
• The card is offered to ICBC (Asia) Elite Club customers only.
• If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available.
• Mastercard Travel & Lifestyle Services provide prestigious privileges such as car rental and air-ticket booking to cardholders.
• The service description also refers to 4-star and 5-star hotels and resorts; the hotel-specific privileges are recorded in separate offers.
• The local source does not state the booking terms, promotion period, or a complete service list; the linked Mastercard page is not used as evidence.
• The offer is subject to the relevant terms and conditions.

This benefit does not apply to a purchase. • Audience: Resident • This is a card payment feature, not a percentage reward. • The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club. • The card is offered to ICBC (Asia) Elite Club customers only. • If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available. • The cardholder can use the card at any terminal with the Mastercard Contactless payment function and pay with one tap. • The local source does not state a transaction amount limit for contactless payment.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card payment feature, not a percentage reward.
• The principal card applicant must be a Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) Elite Club.
• The card is offered to ICBC (Asia) Elite Club customers only.
• If the ICBC (Asia) Elite Club account is cancelled, the card becomes invalid and the exclusive offers available through the card are no longer available.
• The cardholder can use the card at any terminal with the Mastercard Contactless payment function and pay with one tap.
• The local source does not state a transaction amount limit for contactless payment.

This benefit does not apply to a purchase. • The source states unlimited lounge services, not a percentage reward. • Limit: unlimited. • The upgrade notice comparison table states that unlimited designated airport and high speed rail lounge services remain unchanged for the Elite Club World Card and Wise Gold Card. • The notice does not state a usage period, designated-lounge list, or access procedure. • The notice is subject to the bank's card-service arrangement and terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: The source states unlimited lounge services, not a percentage reward.
• The upgrade notice comparison table states that unlimited designated airport and high speed rail lounge services remain unchanged for the Elite Club World Card and Wise Gold Card.
• The notice does not state a usage period, designated-lounge list, or access procedure.
• The notice is subject to the bank's card-service arrangement and terms.

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 ↗

Merchant eligibility cannot be established from the incomplete source list. • 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 ↗

This benefit does not apply to a purchase. • This is a card design feature, not a percentage reward. • Application, registration or activation required. See conditions. • The customer can select a preferred horoscope cardface design when applying for the card. • If the customer gives no indication, the Bank assigns the horoscope cardface design according to the date of birth. • The page lists the twelve horoscope signs and their date ranges for the cardface designs.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card design feature, not a percentage reward.
• Application or registration is required.
• The customer can select a preferred horoscope cardface design when applying for the card.
• If the customer gives no indication, the Bank assigns the horoscope cardface design according to the date of birth.
• The page lists the twelve horoscope signs and their date ranges for the cardface designs.

The source calendar restrictions cannot be confirmed for this date. • The source states a financing flat rate and APR, not a spending reward percentage. • Application, registration or activation required. See conditions. • The source states that no documents are required for the credit-card spending installment plan. • The cardholder can choose a 12-, 24- or 36-month installment plan. • The monthly flat rate is 0.235%. • APR is 5.29% based on a HK$10,000 spending-installment amount, a 0.235% monthly flat rate and a 12-month repayment tenor; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively. • APR is calculated under the guidelines in the Code of Banking Practice. • The Bank may apportion each installment payment between interest and principal at its discretion. • APR is a reference rate that includes the basic interest rate and other fees and charges of the product. • Terms and conditions and relevant fees and charges apply; the page directs the customer to the Bank website or hotline for details. • Application hotline: 2533 8686. Office hours are Monday to Friday, 10am to 6pm, except public holidays; after selecting a language, press 9 to speak to a representative.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a financing flat rate and APR, not a spending reward percentage.
• Application or registration is required.
• The source states that no documents are required for the credit-card spending installment plan.
• The cardholder can choose a 12-, 24- or 36-month installment plan.
• The monthly flat rate is 0.235%.
• APR is 5.29% based on a HK$10,000 spending-installment amount, a 0.235% monthly flat rate and a 12-month repayment tenor; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively.
• APR is calculated under the guidelines in the Code of Banking Practice.
• The Bank may apportion each installment payment between interest and principal at its discretion.
• APR is a reference rate that includes the basic interest rate and other fees and charges of the product.
• Terms and conditions and relevant fees and charges apply; the page directs the customer to the Bank website or hotline for details.
• Application hotline: 2533 8686. Office hours are Monday to Friday, 10am to 6pm, except public holidays; after selecting a language, press 9 to speak to a representative.

This benefit does not apply to a purchase. • This is an insurance coverage benefit, not a percentage reward. • Limit: 500000 USD • Limit applies to: Personal accident insurance limit per insured person • The benefit applies to eligible cardholders holding the ICBC Horoscope Credit Card - Visa Signature Card, subject to the group insurance terms and policy terms. • The page describes cover for accidental death, permanent disablement, loss of limb, loss of sight, loss of speech, and loss of hearing during a journey on public conveyance. • AXA underwrites the group insurance contract and ICBC (Asia) is the policyholder; claims and disputes are referred to AXA. • The page states that the coverage scope, exclusions, indemnity limits, and compensation are subject to the detailed group insurance policy. • Eligible persons are designated corporate card, World Mastercard, or personal Visa Signature cardholders of ICBC (Asia) who are aged 18 to 85 inclusive. • The covered event is accidental injury or death while riding as a passenger, boarding, alighting from, or being struck by a licensed air, land, or water public conveyance; the cardholder must not be the pilot or crew member. • For an air trip, the stated cover also includes the specified direct journey to an airport, the airport or cruise terminal, and the direct journey from the airport after alighting until the next destination. • A travel-package public-conveyance ticket is covered when at least 50% of the travel-package fare is charged to the designated card. • The condition requires at least 50% of the public-conveyance fare to be charged to the designated card. There is no cover when the fare is paid through the card account's built-in Octopus Automatic Add Value Service. • The limit of indemnity is USD500,000 per insured person. The fact sheet lists the compensation scale for accidental death, permanent disablement, loss of sight, loss of limbs, loss of speech or hearing, and other stated permanent disabilities. • The fact sheet is a brief outline and is subject to the AXA policy terms, conditions, and exclusions. The local policy includes a free worldwide 24-hour AXA Assistance hotline with medical advice or referral, evacuation, repatriation, hospital-admission, and travel-assistance services; related expenses are subject to the policy terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 500000 · Applies to: Personal accident insurance limit per insured person · Currency: USD · Period: not stated · Type: limited · Unit: currency
• Percentage note: This is an insurance coverage benefit, not a percentage reward.
• The benefit applies to eligible cardholders holding the ICBC Horoscope Credit Card - Visa Signature Card, subject to the group insurance terms and policy terms.
• The page describes cover for accidental death, permanent disablement, loss of limb, loss of sight, loss of speech, and loss of hearing during a journey on public conveyance.
• AXA underwrites the group insurance contract and ICBC (Asia) is the policyholder; claims and disputes are referred to AXA.
• The page states that the coverage scope, exclusions, indemnity limits, and compensation are subject to the detailed group insurance policy.
• Eligible persons are designated corporate card, World Mastercard, or personal Visa Signature cardholders of ICBC (Asia) who are aged 18 to 85 inclusive.
• The covered event is accidental injury or death while riding as a passenger, boarding, alighting from, or being struck by a licensed air, land, or water public conveyance; the cardholder must not be the pilot or crew member.
• For an air trip, the stated cover also includes the specified direct journey to an airport, the airport or cruise terminal, and the direct journey from the airport after alighting until the next destination.
• A travel-package public-conveyance ticket is covered when at least 50% of the travel-package fare is charged to the designated card.
• The condition requires at least 50% of the public-conveyance fare to be charged to the designated card. There is no cover when the fare is paid through the card account's built-in Octopus Automatic Add Value Service.
• The limit of indemnity is USD500,000 per insured person. The fact sheet lists the compensation scale for accidental death, permanent disablement, loss of sight, loss of limbs, loss of speech or hearing, and other stated permanent disabilities.
• The fact sheet is a brief outline and is subject to the AXA policy terms, conditions, and exclusions. The local policy includes a free worldwide 24-hour AXA Assistance hotline with medical advice or referral, evacuation, repatriation, hospital-admission, and travel-assistance services; related expenses are subject to the policy terms.
• Personal Accident Benefit insurance period: 2026-06-24 – 2027-06-23

This benefit does not apply to a purchase. • This is a card payment feature, not a percentage reward. • The cardholder can tap and pay with the ICBC Horoscope Credit Card - Visa Signature Card on a terminal that supports contactless payment. • The local source describes the feature as fast and convenient and does not state a transaction amount limit or other numeric cap.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card payment feature, not a percentage reward.
• The cardholder can tap and pay with the ICBC Horoscope Credit Card - Visa Signature Card on a terminal that supports contactless payment.
• The local source describes the feature as fast and convenient and does not state a transaction amount limit or other numeric cap.

This benefit does not apply to a purchase. • This is a card design feature, not a percentage reward. • Application, registration or activation required. See conditions. • The customer can select a preferred horoscope cardface design when applying for the card. • If the customer gives no indication, the Bank assigns the horoscope cardface design according to the date of birth. • The page lists the twelve horoscope signs and their date ranges for the cardface designs.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card design feature, not a percentage reward.
• Application or registration is required.
• The customer can select a preferred horoscope cardface design when applying for the card.
• If the customer gives no indication, the Bank assigns the horoscope cardface design according to the date of birth.
• The page lists the twelve horoscope signs and their date ranges for the cardface designs.

The source calendar restrictions cannot be confirmed for this date. • The source states a financing flat rate and APR, not a spending reward percentage. • Application, registration or activation required. See conditions. • The source states that no documents are required for the credit-card spending installment plan. • The cardholder can choose a 12-, 24- or 36-month installment plan. • The monthly flat rate is 0.235%. • APR is 5.29% based on a HK$10,000 spending-installment amount, a 0.235% monthly flat rate and a 12-month repayment tenor; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively. • APR is calculated under the guidelines in the Code of Banking Practice. • The Bank may apportion each installment payment between interest and principal at its discretion. • APR is a reference rate that includes the basic interest rate and other fees and charges of the product. • Terms and conditions and relevant fees and charges apply; the page directs the customer to the Bank website or hotline for details. • Application hotline: 2533 8686. Office hours are Monday to Friday, 10am to 6pm, except public holidays; after selecting a language, press 9 to speak to a representative.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a financing flat rate and APR, not a spending reward percentage.
• Application or registration is required.
• The source states that no documents are required for the credit-card spending installment plan.
• The cardholder can choose a 12-, 24- or 36-month installment plan.
• The monthly flat rate is 0.235%.
• APR is 5.29% based on a HK$10,000 spending-installment amount, a 0.235% monthly flat rate and a 12-month repayment tenor; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively.
• APR is calculated under the guidelines in the Code of Banking Practice.
• The Bank may apportion each installment payment between interest and principal at its discretion.
• APR is a reference rate that includes the basic interest rate and other fees and charges of the product.
• Terms and conditions and relevant fees and charges apply; the page directs the customer to the Bank website or hotline for details.
• Application hotline: 2533 8686. Office hours are Monday to Friday, 10am to 6pm, except public holidays; after selecting a language, press 9 to speak to a representative.

This benefit does not apply to a purchase. • Non-spending payment and travel convenience feature; no numeric rate is stated. • The benefit appears under ICBC Horoscope Dual Currency Credit Card Offers and applies to the UnionPay Diamond Card. • Cardholders can enjoy a hassle-free journey across the Greater Bay Area through a series of convenient payment services with the card. • The named services are designated Hong Kong taxis, the Hong Kong-Zhuhai-Macau Bridge cross-bridge fare, 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 machine, Shenzhen taxis and Guangzhou public buses. • The source states payment convenience only; it does not state a discount, rebate, cap or travel-insurance benefit.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Non spending payment and travel convenience feature; no numeric rate is stated.
• The benefit appears under ICBC Horoscope Dual Currency Credit Card Offers and applies to the UnionPay Diamond Card.
• Cardholders can enjoy a hassle-free journey across the Greater Bay Area through a series of convenient payment services with the card.
• The named services are designated Hong Kong taxis, the Hong Kong-Zhuhai-Macau Bridge cross-bridge fare, 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 machine, Shenzhen taxis and Guangzhou public buses.
• The source states payment convenience only; it does not state a discount, rebate, cap or travel-insurance benefit.

This benefit does not apply to a purchase. • Non-spending dual-currency card feature; no numeric rate is stated. • The card has both HKD and RMB accounts in one card. • Cardholders can spend with the local currency across Mainland China and Hong Kong. • 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
• Percentage note: Non spending dual currency card feature; no numeric rate is stated.
• The card has both HKD and RMB accounts in one card.
• Cardholders can spend with the local currency across Mainland China and Hong Kong.
• This is a card feature, not a transaction reward.

This benefit does not apply to a purchase. • Non-spending mobile-payment feature; no numeric rate is stated. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: unionpay-app • The cardholder must download the UnionPay App with a mobile phone and bind it with the ICBC Dual Currency Credit Card - UnionPay Diamond Card. • The source states access to numerous Hong Kong, Macao and cross-border privileges but gives no specific privilege rate or cap; linked UnionPay details are not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: unionpay app
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Non spending mobile payment feature; no numeric rate is stated.
• Application or registration is required.
• The cardholder must download the UnionPay App with a mobile phone and bind it with the ICBC Dual Currency Credit Card - UnionPay Diamond Card.
• The source states access to numerous Hong Kong, Macao and cross-border privileges but gives no specific privilege rate or cap; linked UnionPay details are not used as evidence.

This benefit does not apply to a purchase. • Limit applies to: Annual fee waiver • Waiver applies for the first 3 years. The page does not state the annual fee amount.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Annual fee waiver · Period: not stated · Type: not stated
• Waiver applies for the first 3 years. The page does not state the annual fee amount.

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit: 1 item · Lifetime • Limit applies to: One welcome offer per applicant for their first ICBC Credit Card • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • A new customer must apply successfully and spend HKD 3,000 or RMB 3,000 on purchases or cash advances within the first two months after card issue. • Each applicant can receive one welcome offer for their first ICBC credit card. The offer is first come, while stocks last. • The carousel calls the voucher an e-Book Voucher. The offer section calls it a SUP Retail eVoucher.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 1 · Applies to: One welcome offer per applicant for their first ICBC Credit Card · Period: lifetime · Type: limited · Unit: item
• Application or registration is required.
• A new customer must apply successfully and spend HKD 3,000 or RMB 3,000 on purchases or cash advances within the first two months after card issue.
• Each applicant can receive one welcome offer for their first ICBC credit card. The offer is first come, while stocks last.
• The carousel calls the voucher an e-Book Voucher. The offer section calls it a SUP Retail eVoucher.

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit: 1 transaction · Per Day • Limit applies to: Each cardholder • Eligible categories: 書店／文具 • The 15% offer applies at SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press. • The table says the offer applies to general books published by SUP. Footnote 3 lists non-book items and excludes many book types. The eligible item scope is unclear. • Each cardholder can use the offer once per day.

• Eligibility: Audience: all
• Eligible spending: Applies to: 書店／文具 · Type: category
• Benefit limit: Amount: 1 · Applies to: Each cardholder · Period: per day · Type: limited · Unit: transaction
• The complete list of eligible merchants is not available.
• The 15% offer applies at SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press.
• The table says the offer applies to general books published by SUP. Footnote 3 lists non-book items and excludes many book types. The eligible item scope is unclear.
• Each cardholder can use the offer once per day.
• ICBC SUP Credit Card - Visa Signature Card: 2026-04-01 – 2028-03-31

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit: 1 transaction · Per Day • Limit applies to: Each cardholder • Eligible categories: 餐飲 • At SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press. Applies to regular-price à la carte dine-in or takeaway orders. Excludes fixed meals, set menus, other non-dine-in or takeaway consignment items, dining services operated by Pacific Coffee, government plastic bag charges and related environmental charges. Once per day per cardholder. SUP provides the offer; ICBC (Asia) is not the service provider.

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Amount: 1 · Applies to: Each cardholder · Period: per day · Type: limited · Unit: transaction
• The complete list of eligible merchants is not available.
• At SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press. Applies to regular-price à la carte dine-in or takeaway orders. Excludes fixed meals, set menus, other non-dine-in or takeaway consignment items, dining services operated by Pacific Coffee, government plastic bag charges and related environmental charges. Once per day per cardholder. SUP provides the offer; ICBC (Asia) is not the service provider.
• ICBC SUP Credit Card - Visa Signature Card: 2026-04-01 – 2028-03-31

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Limit: 30 HKD · Per Day • Limit applies to: Discount 1 • Applies to all eligible spending, subject to the conditions. • Payment must be made by physical card. One-time HK$30 discount per day for a purchase up to HK$300. Each cardholder may use discount 1 or discount 2 up to once per day. First come, while stocks last.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Amount: 30 · Applies to: Discount 1 · Currency: HKD · Period: per day · Type: limited · Unit: currency
• Payment must be made by physical card. One-time HK$30 discount per day for a purchase up to HK$300. Each cardholder may use discount 1 or discount 2 up to once per day. First come, while stocks last.
• ICBC SUP Credit Card / Dual Currency Credit Card cardholders: 2026-04-01 – 2027-03-31

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • HK$100 ÷ HK$2,000 × 100 = 5%. No rounding is needed. The effective rate decreases above HK$2,000. • Limit: 100 HKD · Per Day • Limit applies to: Discount 2 • Minimum spend: Period: per_transaction; Spend: 2000 • Eligible categories: 書店／文具 • For a single purchase of HK$2,000 or more, including exactly HK$2,000; this is not an accumulated spending requirement. The offer applies at SUP bookshops in Hong Kong, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press. Payment must be made by physical card. The promotion period is 2026-04-01 to 2027-03-31. Each cardholder may use only one of Discount 1 and Discount 2 once per day. First come, while stocks last.

• Eligibility: Audience: all
• Eligible spending: Applies to: 書店／文具 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$2,000.00
• Benefit limit: Amount: 100 · Applies to: Discount 2 · Currency: HKD · Period: per day · Type: limited · Unit: currency
• Percentage note: HK$100 ÷ HK$2,000 × 100 = 5%. No rounding is needed. The effective rate decreases above HK$2,000.
• The complete list of eligible merchants is not available.
• For a single purchase of HK$2,000 or more, including exactly HK$2,000; this is not an accumulated spending requirement. The offer applies at SUP bookshops in Hong Kong, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press. Payment must be made by physical card. The promotion period is 2026-04-01 to 2027-03-31. Each cardholder may use only one of Discount 1 and Discount 2 once per day. First come, while stocks last.
• ICBC SUP Credit Card / Dual Currency Credit Card cardholders: 2026-04-01 – 2027-03-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Visa Signature Concierge service • The page describes a 24/7 digital personal assistant and lifestyle guide with access to experiences and privileges. Visa provides the service under its terms; ICBC (Asia) is not the provider. Further terms are on the linked Visa page, which was not read.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Visa Signature Concierge service · Period: not stated · Type: not stated
• The page describes a 24/7 digital personal assistant and lifestyle guide with access to experiences and privileges. Visa provides the service under its terms; ICBC (Asia) is not the provider. Further terms are on the linked Visa page, which was not read.

Open source offer ↗

Category or merchant does not match. • Limit applies to: ZALORA offer • Merchants: zalora • Eligible merchants: zalora • Pay with Visa. Visa provides this offer under its terms; ICBC (Asia) is not the provider. The page refers to Visa for further details; the linked page was not read.

• Eligibility: Audience: all
• Eligible spending: Applies to: zalora · Type: merchant
• Benefit limit: Applies to: ZALORA offer · Period: not stated · Type: not stated
• Pay with Visa. Visa provides this offer under its terms; ICBC (Asia) is not the provider. The page refers to Visa for further details; the linked page was not read.

Open source offer ↗

Category or merchant does not match. • Limit applies to: Agoda flight-ticket offer • Merchants: agoda • Eligible merchants: agoda • Pay with Visa for flight-ticket purchases. Visa provides this offer under its terms; ICBC (Asia) is not the provider. The page refers to Visa for further details; the linked page was not read.

• Eligibility: Audience: all
• Eligible spending: Applies to: agoda · Type: merchant
• Benefit limit: Applies to: Agoda flight ticket offer · Period: not stated · Type: not stated
• Pay with Visa for flight-ticket purchases. Visa provides this offer under its terms; ICBC (Asia) is not the provider. The page refers to Visa for further details; the linked page was not read.

Open source offer ↗

Category or merchant does not match. • Limit applies to: Agoda hotel-booking offer • Merchants: agoda • Eligible merchants: agoda • Pay with Visa for worldwide hotel bookings. Visa provides this offer under its terms; ICBC (Asia) is not the provider. The page refers to Visa for further details; the linked page was not read.

• Eligibility: Audience: all
• Eligible spending: Applies to: agoda · Type: merchant
• Benefit limit: Applies to: Agoda hotel booking offer · Period: not stated · Type: not stated
• Pay with Visa for worldwide hotel bookings. Visa provides this offer under its terms; ICBC (Asia) is not the provider. The page refers to Visa for further details; the linked page was not read.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: ICBC (Asia) Credit Card VIP lounge privilege • The page states that ICBC (Asia) credit-card holders can access courtesy VIP lounges. It says the privilege will launch based on market promotion and business plans. Further details are on a referenced promotion, which was not read.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: ICBC (Asia) Credit Card VIP lounge privilege · Period: not stated · Type: not stated
• The page states that ICBC (Asia) credit-card holders can access courtesy VIP lounges. It says the privilege will launch based on market promotion and business plans. Further details are on a referenced promotion, which was not read.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Source states a monthly flat rate of 0.235%. The 12-month APR is 5.29%, based on a HK$10,000 installment amount. • Limit applies to: 12-month installment plan • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • No documents are required. The customer can choose an installment plan for spending. Application hotline: 2533 8686. Terms and relevant fees and charges apply.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: 12 month installment plan · Period: not stated · Type: not stated
• Percentage note: Source states a monthly flat rate of 0.235%. The 12 month APR is 5.29%, based on a HK$10,000 installment amount.
• Application or registration is required.
• No documents are required. The customer can choose an installment plan for spending. Application hotline: 2533 8686. Terms and relevant fees and charges apply.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Source states a monthly flat rate of 0.235% and a 24-month APR of 5.46%, based on a HK$10,000 installment amount. • Limit applies to: 24-month installment plan • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • No documents are required. The customer can choose an installment plan for spending. Application hotline: 2533 8686. The bank may allocate installment payments between interest and principal at its discretion. Terms and relevant fees and charges apply.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: 24 month installment plan · Period: not stated · Type: not stated
• Percentage note: Source states a monthly flat rate of 0.235% and a 24 month APR of 5.46%, based on a HK$10,000 installment amount.
• Application or registration is required.
• No documents are required. The customer can choose an installment plan for spending. Application hotline: 2533 8686. The bank may allocate installment payments between interest and principal at its discretion. Terms and relevant fees and charges apply.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Source states a monthly flat rate of 0.235% and a 36-month APR of 5.48%, based on a HK$10,000 installment amount. • Limit applies to: 36-month installment plan • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • No documents are required. The customer can choose an installment plan for spending. Application hotline: 2533 8686. The bank may allocate installment payments between interest and principal at its discretion. Terms and relevant fees and charges apply.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: 36 month installment plan · Period: not stated · Type: not stated
• Percentage note: Source states a monthly flat rate of 0.235% and a 36 month APR of 5.48%, based on a HK$10,000 installment amount.
• Application or registration is required.
• No documents are required. The customer can choose an installment plan for spending. Application hotline: 2533 8686. The bank may allocate installment payments between interest and principal at its discretion. Terms and relevant fees and charges apply.

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit: 250 HKD · Promotion Total • Limit applies to: Per principal cardholder during Phase 2 • Minimum spend: Period: per_transaction; Spend: 1000 • Eligibility: Payment Methods: icbc-mobile-banking; icbc-online-banking • Eligible categories: 學費／課程 • Only principal cardholders of the ICBC SUP Credit Card or Dual Currency Credit Card qualify. • A transaction must be HKD 1,000 or more. It must pay tuition for a designated school through the ICBC Mobile Banking or Online Banking bill-payment function. • A designated school is a school whose tuition can be paid through the ICBC Mobile Banking or Online Banking bill-payment function. • The offer is 2.5% for Phase 2, from 1 October 2026 to 31 March 2027. The Phase 2 maximum rebate is HKD 250 per principal cardholder; the stated maximum for both phases is HKD 500. • The rebate is credited in May 2027. The quota is 1,000 principal cardholders on a first-come, first-served basis. • Fraud or abuse can remove eligibility. The Bank may deduct a credited rebate, change the terms, or end the offer. The Chinese terms prevail if the language versions differ. • The HTML calls the benefit an extra 2.5% free credit-card spending limit. The formal terms call it a Rebate Offer credited to the card account. The merged benefit is classified as cashback.

• Eligibility: Audience: all
• Eligible spending: Applies to: 學費／課程 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$1,000.00
• Requirements: Pay with: icbc mobile banking / icbc online banking
• Benefit limit: Amount: 250 · Applies to: Per principal cardholder during Phase 2 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• The complete list of eligible merchants is not available.
• Only principal cardholders of the ICBC SUP Credit Card or Dual Currency Credit Card qualify.
• A transaction must be HKD 1,000 or more. It must pay tuition for a designated school through the ICBC Mobile Banking or Online Banking bill-payment function.
• A designated school is a school whose tuition can be paid through the ICBC Mobile Banking or Online Banking bill-payment function.
• The offer is 2.5% for Phase 2, from 1 October 2026 to 31 March 2027. The Phase 2 maximum rebate is HKD 250 per principal cardholder; the stated maximum for both phases is HKD 500.
• The rebate is credited in May 2027. The quota is 1,000 principal cardholders on a first-come, first-served basis.
• Fraud or abuse can remove eligibility. The Bank may deduct a credited rebate, change the terms, or end the offer. The Chinese terms prevail if the language versions differ.
• The HTML calls the benefit an extra 2.5% free credit-card spending limit. The formal terms call it a Rebate Offer credited to the card account. The merged benefit is classified as cashback.
• Phase 2 tuition payments: 2026-10-01 – 2027-03-31

Open source offer ↗

This benefit does not apply to a purchase. • The source gives multiple compensation percentages for specific injuries, not one offer rate. • Limit: 500000 USD • Limit applies to: Per insured person • Cover applies to the target ICBC (Asia) Personal Visa Signature cardholder. • The cardholder must be a passenger, not a pilot or crew member, on a licensed public conveyance. Cover includes injury or death while riding, boarding, alighting, or being struck by the conveyance. • For an air trip, cover can also apply in a private registered four-wheeled vehicle or licensed public conveyance when travelling directly to the airport, at the airport or cruise terminal, or travelling directly from the airport to the next destination. • At least 50% of the cardholder's public-conveyance fare must be charged to the designated card. For public-conveyance tickets included in a travel package, at least 50% of the package fare must be charged to the card. • There is no cover when the passenger fare is paid through built-in Octopus Automatic Add Value Service. • The factsheet states an age range of 18 to 85 inclusive. The policy definition states 16 to 65 unless changed by the Schedule. The Schedule is absent, so the applicable age range is unresolved. • The limit is USD 500,000 per insured person. Compensation percentages vary by listed injury; the insurer sets the percentage for an unlisted permanent disability. • The policy terms and exclusions apply. The policy lists exclusions for unlawful acts, wilful danger, self-injury or suicide, illness and pre-existing conditions, certain medical conditions and treatments, pregnancy, non-prescribed alcohol or drugs, non-qualifying aircraft travel, military or emergency-service duties, war or civil unrest, nuclear risks, professional sports, racing, disease-related injury, non-medically necessary checks, and sanctions. • The policy wording requires written notice within 30 days after a loss and requested claim documents. • The policy wording describes temporary disablement, medical indemnity, and 24-hour assistance benefits. The card factsheet does not confirm their applicability, and the Schedule is absent. These benefits are not added. • AXA underwrites the group policy. ICBC (Asia) is the policyholder, not the insurer or agent. Claims, disputes, and complaints go to AXA. Aon Hong Kong is the insurance broker.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 500000 · Applies to: Per insured person · Currency: USD · Period: not stated · Type: limited · Unit: currency
• Percentage note: The source gives multiple compensation percentages for specific injuries, not one offer rate.
• Cover applies to the target ICBC (Asia) Personal Visa Signature cardholder.
• The cardholder must be a passenger, not a pilot or crew member, on a licensed public conveyance. Cover includes injury or death while riding, boarding, alighting, or being struck by the conveyance.
• For an air trip, cover can also apply in a private registered four-wheeled vehicle or licensed public conveyance when travelling directly to the airport, at the airport or cruise terminal, or travelling directly from the airport to the next destination.
• At least 50% of the cardholder's public-conveyance fare must be charged to the designated card. For public-conveyance tickets included in a travel package, at least 50% of the package fare must be charged to the card.
• There is no cover when the passenger fare is paid through built-in Octopus Automatic Add Value Service.
• The factsheet states an age range of 18 to 85 inclusive. The policy definition states 16 to 65 unless changed by the Schedule. The Schedule is absent, so the applicable age range is unresolved.
• The limit is USD 500,000 per insured person. Compensation percentages vary by listed injury; the insurer sets the percentage for an unlisted permanent disability.
• The policy terms and exclusions apply. The policy lists exclusions for unlawful acts, wilful danger, self-injury or suicide, illness and pre-existing conditions, certain medical conditions and treatments, pregnancy, non-prescribed alcohol or drugs, non-qualifying aircraft travel, military or emergency-service duties, war or civil unrest, nuclear risks, professional sports, racing, disease-related injury, non-medically necessary checks, and sanctions.
• The policy wording requires written notice within 30 days after a loss and requested claim documents.
• The policy wording describes temporary disablement, medical indemnity, and 24-hour assistance benefits. The card factsheet does not confirm their applicability, and the Schedule is absent. These benefits are not added.
• AXA underwrites the group policy. ICBC (Asia) is the policyholder, not the insurer or agent. Claims, disputes, and complaints go to AXA. Aon Hong Kong is the insurance broker.
• Insurance period for designated card members: 2026-06-24 – 2027-06-23

Open source offer ↗

Category or merchant does not match. • The retained page does not state a benefit amount or percentage. • Limit applies to: dining offers • Eligible categories: 餐飲 • The page describes dining offers at a wide range of restaurants, including LUBUDS Group brands. • Offer values, participating restaurants, eligibility, and dates are not stated on the retained page. • The page links to Mastercard terms; the linked page was not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Applies to: dining offers · Period: not stated · Type: not stated
• Percentage note: The retained page does not state a benefit amount or percentage.
• The page describes dining offers at a wide range of restaurants, including LUBUDS Group brands.
• Offer values, participating restaurants, eligibility, and dates are not stated on the retained page.
• The page links to Mastercard terms; the linked page was not used as evidence.

This benefit does not apply to a purchase. • The source states a coverage amount, not a percentage reward. • Limit applies to: insurance coverage • Application, registration or activation required. See conditions. • The page states coverage up to US$100,000 per trip for cardholders and up to 50% coverage for family members. • The cardmember must pay the full cost of common-carrier tickets with an eligible card and complete benefit registration before the trip begins. • The stated protection is overseas medical coverage. • AIG Asia Pacific Insurance Pte Ltd provides the service. Coverage scope, exclusions, limits, and compensation depend on the insurance policy. • The Bank states that it is not the insurance service provider and is not responsible for the insurance service.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: insurance coverage · Period: not stated · Type: not stated
• Percentage note: The source states a coverage amount, not a percentage reward.
• Application or registration is required.
• The page states coverage up to US$100,000 per trip for cardholders and up to 50% coverage for family members.
• The cardmember must pay the full cost of common-carrier tickets with an eligible card and complete benefit registration before the trip begins.
• The stated protection is overseas medical coverage.
• AIG Asia Pacific Insurance Pte Ltd provides the service. Coverage scope, exclusions, limits, and compensation depend on the insurance policy.
• The Bank states that it is not the insurance service provider and is not responsible for the insurance service.
• travel insurance offer: Now – 2026-12-31

This benefit does not apply to a purchase. • The source states a preferential price but gives no comparison price. • Limit: 2 uses · Promotion Total • Limit applies to: preferential-price one-way airport limousine service • Application, registration or activation required. See conditions. • Only a CITICfirst client who is a CNCBI Jewel World Mastercard cardmember can use the offer. • The cardmember can use the HK$350 one-way service twice. • Reservations are required at least 3 working days in advance and can be made up to 90 days in advance. • The service must be used by 31 December 2026. Monthly quotas apply on a first-come, first-served basis while places last. • The cardmember must send a booking request to the service provider by email or telephone.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 2 · Applies to: preferential price one way airport limousine service · Period: promotion total · Type: limited · Unit: uses
• Percentage note: The source states a preferential price but gives no comparison price.
• Application or registration is required.
• Only a CITICfirst client who is a CNCBI Jewel World Mastercard cardmember can use the offer.
• The cardmember can use the HK$350 one-way service twice.
• Reservations are required at least 3 working days in advance and can be made up to 90 days in advance.
• The service must be used by 31 December 2026. Monthly quotas apply on a first-come, first-served basis while places last.
• The cardmember must send a booking request to the service provider by email or telephone.
• airport limousine service: Now – 2026-12-31

This benefit does not apply to a purchase. • The source states a membership duration, not a percentage reward. • Limit applies to: HoteLux Elite membership • The page says the membership includes 1,000 HoteLux points, complimentary breakfast, room upgrade, early check-in, late check-out, and up to US$200 in hotel dining and spa credits. • Room upgrade, early check-in, and late check-out are subject to availability. • The page says Mastercard terms apply; linked terms were not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: HoteLux Elite membership · Period: not stated · Type: not stated
• Percentage note: The source states a membership duration, not a percentage reward.
• The page says the membership includes 1,000 HoteLux points, complimentary breakfast, room upgrade, early check-in, late check-out, and up to US$200 in hotel dining and spa credits.
• Room upgrade, early check-in, and late check-out are subject to availability.
• The page says Mastercard terms apply; linked terms were not used as evidence.

Merchant eligibility cannot be established from the incomplete source list. • The source states one free night, not a percentage or cash amount. • Limit applies to: participating luxury hotel offer • Eligible categories: 酒店 • The page says the offer includes one free night and other offers at participating luxury hotels. • The participating hotel list, eligibility details, redemption rules, and dates are not stated on the retained page. • The offer is provided by Mastercard and is subject to related terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: 酒店 · Type: category
• Benefit limit: Applies to: participating luxury hotel offer · Period: not stated · Type: not stated
• Percentage note: The source states one free night, not a percentage or cash amount.
• The complete list of eligible merchants is not available.
• The page says the offer includes one free night and other offers at participating luxury hotels.
• The participating hotel list, eligibility details, redemption rules, and dates are not stated on the retained page.
• The offer is provided by Mastercard and is subject to related terms.

Category or merchant does not match. • Limit applies to: Agoda hotel stay discount • Merchants: Agoda • Eligible merchants: agoda • The page says to book a stay through Agoda to receive the discount. • The retained page does not state card-payment rules, eligible stays, a promo code, or a validity period.

• Eligibility: Audience: all
• Eligible spending: Applies to: agoda · Type: merchant
• Benefit limit: Applies to: Agoda hotel stay discount · Period: not stated · Type: not stated
• The page says to book a stay through Agoda to receive the discount.
• The retained page does not state card-payment rules, eligible stays, a promo code, or a validity period.

Merchant eligibility cannot be established from the incomplete source list. • Limit applies to: green fee discount • Eligible categories: 運動及戶外 • The offer applies only to CNCBI Jewel World Mastercard cards issued in Hong Kong. • The offer is available at 48 premium golf clubs across 15 regions in Asia Pacific; the club list is not stated on the retained page. • The offer is provided by Mastercard and is subject to terms not included in the retained source.

• Eligibility: Audience: all
• Eligible spending: Applies to: 運動及戶外 · Type: category
• Benefit limit: Applies to: green fee discount · Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• The offer applies only to CNCBI Jewel World Mastercard cards issued in Hong Kong.
• The offer is available at 48 premium golf clubs across 15 regions in Asia Pacific; the club list is not stated on the retained page.
• The offer is provided by Mastercard and is subject to terms not included in the retained source.
• green fee offer: Now – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HK$1,000 / HK$10,000 × 100 = 10%. The effective rate decreases when qualifying spend exceeds HK$10,000. The source states the HK$10,000 accumulated-spend condition in the first 2 months; the HK$1,000 rebate remains the benefit value. • Limit applies to: welcome cash rebate • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 10000 • Applies to all eligible spending, subject to the conditions. • New Cardmembers must successfully apply and choose this offer instead of the alternative Motion$ offer. • Eligible retail transactions must reach an accumulated HK$10,000 in the first 2 months from card issuance. • New Cardmembers are applicants who do not currently hold and have not cancelled any principal CNCBI credit card in the 12 months before the month their current principal-card application is approved. • Eligible retail transactions include local and overseas retail spending, online retail transactions, and retail transactions made by mail or phone order. • Credit card applicants must be aged 18 or above. • Application and approval times may vary; the Bank may request supporting documents.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$10,000.00
• Benefit limit: Applies to: welcome cash rebate · Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HK$1,000 / HK$10,000 × 100 = 10%. The effective rate decreases when qualifying spend exceeds HK$10,000. The source states the HK$10,000 accumulated spend condition in the first 2 months; the HK$1,000 rebate remains the benefit value.
• Application or registration is required.
• New Cardmembers must successfully apply and choose this offer instead of the alternative Motion$ offer.
• Eligible retail transactions must reach an accumulated HK$10,000 in the first 2 months from card issuance.
• New Cardmembers are applicants who do not currently hold and have not cancelled any principal CNCBI credit card in the 12 months before the month their current principal-card application is approved.
• Eligible retail transactions include local and overseas retail spending, online retail transactions, and retail transactions made by mail or phone order.
• Credit card applicants must be aged 18 or above.
• Application and approval times may vary; the Bank may request supporting documents.
• welcome offer promotion period: Now – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • The source states an earning ratio of M$1 per HK$1, not a percentage or cash-equivalent rate. • Limit: 10000 Motion$ · Promotion Total • Limit applies to: Motion$ earned from eligible retail transactions in the first 2 months • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • The offer is an alternative to the HK$1,000 welcome cash rebate; only one of the two welcome offers can be selected. • Eligible transactions must be made in the first 2 months from card issuance. • The maximum is M$10,000, convertible to 10,000 Miles. • New Cardmembers are applicants who do not currently hold and have not cancelled any principal CNCBI credit card in the 12 months before the month their current principal-card application is approved. • Eligible retail transactions include local and overseas retail spending, online retail transactions, and retail transactions made by mail or phone order. • Motion$ reward types and redemption amounts may change; the source directs customers to inMotion for current reward details. • Credit card applicants must be aged 18 or above. • Application and approval times may vary; the Bank may request supporting documents.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Benefit limit: Amount: 10000 · Applies to: Motion$ earned from eligible retail transactions in the first 2 months · Period: promotion total · Type: limited · Unit: Motion$
• Percentage note: The source states an earning ratio of M$1 per HK$1, not a percentage or cash equivalent rate.
• Application or registration is required.
• The offer is an alternative to the HK$1,000 welcome cash rebate; only one of the two welcome offers can be selected.
• Eligible transactions must be made in the first 2 months from card issuance.
• The maximum is M$10,000, convertible to 10,000 Miles.
• New Cardmembers are applicants who do not currently hold and have not cancelled any principal CNCBI credit card in the 12 months before the month their current principal-card application is approved.
• Eligible retail transactions include local and overseas retail spending, online retail transactions, and retail transactions made by mail or phone order.
• Motion$ reward types and redemption amounts may change; the source directs customers to inMotion for current reward details.
• Credit card applicants must be aged 18 or above.
• Application and approval times may vary; the Bank may request supporting documents.
• welcome offer promotion period: Now – 2026-12-31

This benefit does not apply to a purchase. • The source states a perpetual annual fee waiver but gives no fee amount. • Limit applies to: annual fee waiver • The page describes the annual fee waiver as perpetual.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: annual fee waiver · Period: not stated · Type: not stated
• Percentage note: The source states a perpetual annual fee waiver but gives no fee amount.
• The page describes the annual fee waiver as perpetual.

This benefit does not apply to a purchase. • No financing amount, rate, or term is stated on the retained page. • Limit applies to: merchant installment plan • The page lists a Merchant Installment Plan as a card feature. The linked page and plan terms were not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: merchant installment plan · Period: not stated · Type: not stated
• Percentage note: No financing amount, rate, or term is stated on the retained page.
• The page lists a Merchant Installment Plan as a card feature. The linked page and plan terms were not used as evidence.

This benefit does not apply to a purchase. • The retained page names a service but states no amount or percentage benefit. • Limit applies to: Octopus Automatic Add Value Service • The page lists Octopus Automatic Add Value Service as a card feature. The linked page and service terms were not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Octopus Automatic Add Value Service · Period: not stated · Type: not stated
• Percentage note: The retained page names a service but states no amount or percentage benefit.
• The page lists Octopus Automatic Add Value Service as a card feature. The linked page and service terms were not used as evidence.

This benefit does not apply to a purchase. • No financing amount, rate, or term is stated on the retained page. • Limit applies to: cash-in installment program • The page lists a Credit Card Cash-in Installment Program as a card feature. The linked page and plan terms were not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: cash in installment program · Period: not stated · Type: not stated
• Percentage note: No financing amount, rate, or term is stated on the retained page.
• The page lists a Credit Card Cash-in Installment Program as a card feature. The linked page and plan terms were not used as evidence.

This benefit does not apply to a purchase. • No financing amount, rate, or term is stated on the retained page. • Limit applies to: retail purchase installment program • The page lists a Card Retail Purchase Installment Program as a card feature. The linked page and plan terms were not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: retail purchase installment program · Period: not stated · Type: not stated
• Percentage note: No financing amount, rate, or term is stated on the retained page.
• The page lists a Card Retail Purchase Installment Program as a card feature. The linked page and plan terms were not used as evidence.

This benefit does not apply to a purchase. • The retained page names a mobile payment service but states no amount or percentage benefit. • Limit applies to: Apple Pay service • The page lists Apple Pay as a mobile payment service. The linked page and service terms were not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Apple Pay service · Period: not stated · Type: not stated
• Percentage note: The retained page names a mobile payment service but states no amount or percentage benefit.
• The page lists Apple Pay as a mobile payment service. The linked page and service terms were not used as evidence.

This benefit does not apply to a purchase. • The retained page names a mobile payment service but states no amount or percentage benefit. • Limit applies to: Google Pay service • The page lists Google Pay as a mobile payment service. The linked page and service terms were not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Google Pay service · Period: not stated · Type: not stated
• Percentage note: The retained page names a mobile payment service but states no amount or percentage benefit.
• The page lists Google Pay as a mobile payment service. The linked page and service terms were not used as evidence.

This benefit does not apply to a purchase. • The source gives a repayment-period duration but no interest rate or percentage benefit. • Limit applies to: repayment period • The retained page uses the wording 'interest-fee repayment period' and gives no further terms; the exact interest treatment cannot be determined from this source.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: repayment period · Period: not stated · Type: not stated
• Percentage note: The source gives a repayment period duration but no interest rate or percentage benefit.
• The retained page uses the wording 'interest-fee repayment period' and gives no further terms; the exact interest treatment cannot be determined from this source.

This benefit does not apply to a purchase. • The source states a points amount, not a percentage rate. • Limit applies to: Complimentary 1,000 HoteLux points with Jewel World Mastercard membership • Included in the complimentary 12-month HoteLux Elite membership. • The retained page does not state redemption terms or a cash conversion.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Complimentary 1,000 HoteLux points with Jewel World Mastercard membership · Period: not stated · Type: not stated
• Percentage note: The source states a points amount, not a percentage rate.
• Included in the complimentary 12-month HoteLux Elite membership.
• The retained page does not state redemption terms or a cash conversion.

This benefit does not apply to a purchase. • The source states a hotel benefit, not a percentage rate. • Limit applies to: Complimentary HoteLux Elite breakfast（優惠值未列明） • Included in the complimentary HoteLux Elite membership. • The retained page does not state the number of breakfasts or booking conditions.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Complimentary HoteLux Elite breakfast（優惠值未列明） · Period: not stated · Type: not stated
• Percentage note: The source states a hotel benefit, not a percentage rate.
• Included in the complimentary HoteLux Elite membership.
• The retained page does not state the number of breakfasts or booking conditions.

This benefit does not apply to a purchase. • The source states a hotel benefit, not a percentage rate. • Limit applies to: Complimentary HoteLux Elite room upgrade（優惠值未列明） • Included in the complimentary HoteLux Elite membership. • Room upgrades are subject to availability.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Complimentary HoteLux Elite room upgrade（優惠值未列明） · Period: not stated · Type: not stated
• Percentage note: The source states a hotel benefit, not a percentage rate.
• Included in the complimentary HoteLux Elite membership.
• Room upgrades are subject to availability.

This benefit does not apply to a purchase. • The source states a hotel benefit, not a percentage rate. • Limit applies to: HoteLux Elite early check-in（優惠值未列明） • Included in the complimentary HoteLux Elite membership. • Early check-in is subject to availability.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: HoteLux Elite early check in（優惠值未列明） · Period: not stated · Type: not stated
• Percentage note: The source states a hotel benefit, not a percentage rate.
• Included in the complimentary HoteLux Elite membership.
• Early check-in is subject to availability.

This benefit does not apply to a purchase. • The source states a hotel benefit, not a percentage rate. • Limit applies to: HoteLux Elite late check-out（優惠值未列明） • Included in the complimentary HoteLux Elite membership. • Late check-out is subject to availability.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: HoteLux Elite late check out（優惠值未列明） · Period: not stated · Type: not stated
• Percentage note: The source states a hotel benefit, not a percentage rate.
• Included in the complimentary HoteLux Elite membership.
• Late check-out is subject to availability.

This benefit does not apply to a purchase. • The source states a hotel benefit, not a percentage rate. • Limit applies to: Up to US$200 in HoteLux hotel dining and spa credits • Included in the complimentary HoteLux Elite membership. • The retained page does not state redemption rules, eligible hotels, or whether the credit applies to dining, spa, or both in each booking.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Up to US$200 in HoteLux hotel dining and spa credits · Period: not stated · Type: not stated
• Percentage note: The source states a hotel benefit, not a percentage rate.
• Included in the complimentary HoteLux Elite membership.
• The retained page does not state redemption rules, eligible hotels, or whether the credit applies to dining, spa, or both in each booking.

Not counted: overlapping total rewards or incompatible transaction scopes are alternatives; only one compatible reward bundle is counted. • Audience: Student • The page states 0.5% and equates HK$1 Octopus Cash Rebate to every HK$200 spending; no cap or detailed eligibility rule is stated in the local source. • Applies to all eligible spending, subject to the conditions. • The benefit is displayed for Citi Octopus Platinum Card (Student). • The page states 0.5% rebate and Every HK$200 spending = HK$1 Octopus Cash Rebate. • The local page does not state a numeric cap or complete programme exclusions; linked product terms are not used as evidence.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page states 0.5% and equates HK$1 Octopus Cash Rebate to every HK$200 spending; no cap or detailed eligibility rule is stated in the local source.
• The benefit is displayed for Citi Octopus Platinum Card (Student).
• The page states 0.5% rebate and Every HK$200 spending = HK$1 Octopus Cash Rebate.
• The local page does not state a numeric cap or complete programme exclusions; linked product 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 page states a 15% rebate on fare payments; no cap or date rule is stated in the local source. • Application, registration or activation required. See conditions. • Eligible categories: 本地交通 • The benefit is displayed for Citi Octopus Platinum Card (Student). • Eligible fare examples listed by the source are MTR, bus, ferry, tram, green minibus and taxi. • 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: 本地交通 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page states a 15% rebate on fare payments; 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).
• Eligible fare examples listed by the source are MTR, bus, ferry, tram, green minibus and taxi.
• The local page does not state a numeric cap, registration step or complete programme terms; linked product details are not used as evidence.

Category or merchant does not match. • 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.

Category or merchant does not match. • 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.

Category or merchant does not match. • 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.

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.

This benefit does not apply to a purchase. • Cardface design feature; no numeric rate is stated. • Application, registration or activation required. See conditions. • The customer can select a preferred horoscope cardface design when applying for the card. • If the customer gives no indication, the Bank assigns the horoscope cardface design according to the customer's date of birth. • The source lists the 12 horoscope cardface date ranges in the design table.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cardface design feature; no numeric rate is stated.
• Application or registration is required.
• The customer can select a preferred horoscope cardface design when applying for the card.
• If the customer gives no indication, the Bank assigns the horoscope cardface design according to the customer's date of birth.
• The source lists the 12 horoscope cardface date ranges in the design table.

The source calendar restrictions cannot be confirmed for this date. • The source states financing rates and APR values, not a spending-reward percentage. • Application, registration or activation required. See conditions. • No documents are required for the credit-card spending installment plan. • The customer can choose a 12-, 24- or 36-month installment plan. • The monthly flat rate is 0.235%. • APR is 5.29% based on a HK$10,000 spending-installment amount, a 0.235% monthly flat rate and a 12-month repayment tenor; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively. • APR is calculated under the guidelines in the Code of Banking Practice. • The Bank may apportion each installment payment between interest and principal at its discretion. • APR is a reference rate that includes the basic interest rate and other fees and charges of the product. • Terms and conditions and relevant fees and charges apply; the page directs customers to the Bank website or the application hotline for details. • Application hotline: 2533 8686. The footnote states office hours are Monday to Friday, 10am to 6pm, except public holidays; after the language option is selected, press 9 to speak to a representative.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states financing rates and APR values, not a spending reward percentage.
• Application or registration is required.
• No documents are required for the credit-card spending installment plan.
• The customer can choose a 12-, 24- or 36-month installment plan.
• The monthly flat rate is 0.235%.
• APR is 5.29% based on a HK$10,000 spending-installment amount, a 0.235% monthly flat rate and a 12-month repayment tenor; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively.
• APR is calculated under the guidelines in the Code of Banking Practice.
• The Bank may apportion each installment payment between interest and principal at its discretion.
• APR is a reference rate that includes the basic interest rate and other fees and charges of the product.
• Terms and conditions and relevant fees and charges apply; the page directs customers to the Bank website or the application hotline for details.
• Application hotline: 2533 8686. The footnote states office hours are Monday to Friday, 10am to 6pm, except public holidays; after the language option is selected, press 9 to speak to a representative.

This benefit does not apply to a purchase. • Non-spending payment and travel convenience feature; no numeric rate is stated. • Cardholders can enjoy a hassle-free journey across the Greater Bay Area through a series of convenient payment services with the card. • The named services are designated Hong Kong taxis, the Hong Kong-Zhuhai-Macau Bridge cross-bridge fare, 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 machine, Shenzhen taxis and Guangzhou public buses. • The source states payment convenience only; it does not state a discount, rebate, cap or travel-insurance benefit.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Non spending payment and travel convenience feature; no numeric rate is stated.
• Cardholders can enjoy a hassle-free journey across the Greater Bay Area through a series of convenient payment services with the card.
• The named services are designated Hong Kong taxis, the Hong Kong-Zhuhai-Macau Bridge cross-bridge fare, 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 machine, Shenzhen taxis and Guangzhou public buses.
• The source states payment convenience only; it does not state a discount, rebate, cap or travel-insurance benefit.

This benefit does not apply to a purchase. • Non-spending dual-currency card feature; no numeric rate is stated. • The card has both HKD and RMB accounts in one card. • Cardholders can spend with the local currency across Mainland China and Hong Kong. • 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
• Percentage note: Non spending dual currency card feature; no numeric rate is stated.
• The card has both HKD and RMB accounts in one card.
• Cardholders can spend with the local currency across Mainland China and Hong Kong.
• This is a card feature, not a transaction reward.

This benefit does not apply to a purchase. • Non-spending mobile-payment feature; no specific privilege rate or cap is stated. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: unionpay-app • The cardholder must download the UnionPay App with a mobile phone and bind it with the ICBC Dual Currency Credit Card. • The source states access to numerous Hong Kong, Macau and cross-border privileges but gives no specific privilege rate or cap; linked UnionPay details are not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: unionpay app
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Non spending mobile payment feature; no specific privilege rate or cap is stated.
• Application or registration is required.
• The cardholder must download the UnionPay App with a mobile phone and bind it with the ICBC Dual Currency Credit Card.
• The source states access to numerous Hong Kong, Macau and cross-border privileges but gives no specific privilege rate or cap; linked UnionPay details are not used as evidence.

This benefit does not apply to a purchase. • Audience: Student; Customer: New customer; Document: The welcome offer is for a cardholder who successfully applies for the International Student Identity MasterCard during the promotion period. • Fixed HKD200 coupon; no eligible-spend denominator is stated. • Application, registration or activation required. See conditions. • The welcome offer is for a cardholder who successfully applies for the International Student Identity MasterCard during the promotion period. • The card-specific welcome-offer terms are not applicable to existing Dah Sing credit-card holders. • The coupon is delivered with the new credit card and cannot be redeemed for cash. Its use is subject to the terms on the coupon. • The coupon supplier is solely responsible for the quality and supply of the coupon. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time student. • The formal terms are not applicable to existing Dah Sing credit-card holders. • A successful ISIC MasterCard application during the promotion period is required. • The coupon is delivered with the new credit card, cannot be redeemed for cash, and is subject to the terms on the coupon. • The supplier is solely responsible for the coupon quality and supply. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

• Eligibility: Audience: student · Customer status: new · Document: The welcome offer is for a cardholder who successfully applies for the International Student Identity MasterCard during the promotion period.
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed HKD200 coupon; no eligible spend denominator is stated.
• Application or registration is required.
• The welcome offer is for a cardholder who successfully applies for the International Student Identity MasterCard during the promotion period.
• The card-specific welcome-offer terms are not applicable to existing Dah Sing credit-card holders.
• The coupon is delivered with the new credit card and cannot be redeemed for cash. Its use is subject to the terms on the coupon.
• The coupon supplier is solely responsible for the quality and supply of the coupon.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time student.
• The formal terms are not applicable to existing Dah Sing credit-card holders.
• A successful ISIC MasterCard application during the promotion period is required.
• The coupon is delivered with the new credit card, cannot be redeemed for cash, and is subject to the terms on the coupon.
• The supplier is solely responsible for the coupon quality and supply.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.
• Welcome Offer promotion period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student • Fixed membership-fee waiver; no spending percentage is stated. • Application, registration or activation required. See conditions. • The page states that the one-year ISIC membership fee waiver, valued at HKD100, is provided when the applicant successfully applies for the card. • The page does not state a separate prior-card rule, issuance-date rule, or redemption procedure for this membership-fee waiver. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time student.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed membership fee waiver; no spending percentage is stated.
• Application or registration is required.
• The page states that the one-year ISIC membership fee waiver, valued at HKD100, is provided when the applicant successfully applies for the card.
• The page does not state a separate prior-card rule, issuance-date rule, or redemption procedure for this membership-fee waiver.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time student.
• Welcome Offer promotion period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student; Customer: New customer • This is an annual-fee waiver, not a spending percentage. • The product page displays First Year Annual Fee Waiver. • The allowed HTML does not state the waived amount, an absolute validity boundary, a separate application step, or whether supplementary cards are included. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time student.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is an annual fee waiver, not a spending percentage.
• The product page displays First Year Annual Fee Waiver.
• The allowed HTML does not state the waived amount, an absolute validity boundary, a separate application step, or whether supplementary cards are included.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time student.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student; Document: The merchant list and offer details are referred to the International Student Identity Card Association. • Access benefit; no discount rate, fixed value, or spending denominator is stated. • The page describes over 42,000 travel offers in more than 130 countries for ISIC Mastercard cardholders. • The page directs readers to www.isic.hk, www.isic.org, or the listed telephone number for offer details; linked pages are not used as evidence. • The local page does not provide a complete merchant list, individual offer rates, caps, or validity dates. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time student. • The cardholder must present the ISIC MasterCard upon payment to use the member privileged offer. • The merchant list and offer details are referred to the International Student Identity Card Association. • The merchants may amend or terminate the offer and its terms without prior notice; the relevant merchant is responsible for quality and supply. • The local source does not provide a complete recognizable merchant list, individual rates, caps, or validity dates. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

• Eligibility: Audience: student · Document: The merchant list and offer details are referred to the International Student Identity Card Association.
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Access benefit; no discount rate, fixed value, or spending denominator is stated.
• The complete list of eligible merchants is not available.
• The page describes over 42,000 travel offers in more than 130 countries for ISIC Mastercard cardholders.
• The page directs readers to www.isic.hk, www.isic.org, or the listed telephone number for offer details; linked pages are not used as evidence.
• The local page does not provide a complete merchant list, individual offer rates, caps, or validity dates.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time student.
• The cardholder must present the ISIC MasterCard upon payment to use the member privileged offer.
• The merchant list and offer details are referred to the International Student Identity Card Association.
• The merchants may amend or terminate the offer and its terms without prior notice; the relevant merchant is responsible for quality and supply.
• The local source does not provide a complete recognizable merchant list, individual rates, caps, or validity dates.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

The source lists an exclusion affecting 賬單及公用事業; eligibility for this purchase is not established. • Audience: Student • Cash-equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; the source states an individual-transaction rule and no cash reward for a transaction below HKD250. The retail-purchase exclusions and cash-reward scheme limits remain in constraints. • Minimum spend: Period: per_transaction; Spend: 250 • Applies to all eligible spending, subject to the conditions. • The page states HKD1 cash rebate for every HKD250 spent with the card. • The card is applicable to retail purchases and cash advances, with the listed exclusions including Octopus Automatic Add Value Service, Happy Installment, Cash-In Plan, and merchant installment plan. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time student. • Cash Reward is calculated per individual transaction. Transactions below HKD250 earn no cash reward. • The scheme applies to retail purchase amounts and excludes cash advances, autopay, Happy Installment, Cash-in Plan, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment amounts, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. • The reward is credited to the principal credit-card account. A later cancellation or charge-off can cause an equivalent debit; the reward is not transferable, refundable, or exchangeable for cash. • The Bank determines eligibility from the transaction record. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Minimum requirement: Period: per transaction · Spend: HK$250.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; the source states an individual transaction rule and no cash reward for a transaction below HKD250. The retail purchase exclusions and cash reward scheme limits remain in constraints.
• The page states HKD1 cash rebate for every HKD250 spent with the card.
• The card is applicable to retail purchases and cash advances, with the listed exclusions including Octopus Automatic Add Value Service, Happy Installment, Cash-In Plan, and merchant installment plan.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time student.
• Cash Reward is calculated per individual transaction. Transactions below HKD250 earn no cash reward.
• The scheme applies to retail purchase amounts and excludes cash advances, autopay, Happy Installment, Cash-in Plan, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment amounts, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions.
• The reward is credited to the principal credit-card account. A later cancellation or charge-off can cause an equivalent debit; the reward is not transferable, refundable, or exchangeable for cash.
• The Bank determines eligibility from the transaction record.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

Category or merchant does not match. • Audience: Student • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; the source states an individual-transaction rule and no cash reward for a transaction below HKD250. The birthday or overseas condition and all cash-reward scheme limits remain in constraints. • Minimum spend: Period: per_transaction; Spend: 250 • Eligible categories: 海外簽賬 • An extra HKD1 is awarded, making HKD2 for every HKD250 transaction, for overseas spending. • Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong. • The base cash-reward transaction threshold and exclusions apply. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

• Eligibility: Audience: student
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$250.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; the source states an individual transaction rule and no cash reward for a transaction below HKD250. The birthday or overseas condition and all cash reward scheme limits remain in constraints.
• An extra HKD1 is awarded, making HKD2 for every HKD250 transaction, for overseas spending.
• Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong.
• The base cash-reward transaction threshold and exclusions apply.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

This benefit does not apply to a purchase. • Audience: Student • This is a time-based repayment feature, not a spending percentage. • The KFS states an interest-free period of up to 60 days for retail purchases, depending on when the purchase is made within the statement cycle. • No interest-free period applies to cash advances, the Smart Choice Balance Transfer Program, or the Cash Conversion Plan. • No interest is charged when the statement balance is paid in full by the due date; otherwise interest is charged under the KFS rules. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a time based repayment feature, not a spending percentage.
• The KFS states an interest-free period of up to 60 days for retail purchases, depending on when the purchase is made within the statement cycle.
• No interest-free period applies to cash advances, the Smart Choice Balance Transfer Program, or the Cash Conversion Plan.
• No interest is charged when the statement balance is paid in full by the due date; otherwise interest is charged under the KFS rules.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time student.

This benefit does not apply to a purchase. • Audience: Student; Customer: New customer • Fixed HKD200 coupon; no eligible-spend denominator is stated. • Application, registration or activation required. See conditions. • The welcome offer is for a cardholder who successfully applies for the International Teacher Identity MasterCard during the promotion period. • The card-specific welcome-offer terms are not applicable to existing Dah Sing credit-card holders. • The coupon is delivered with the new credit card and cannot be redeemed for cash. Its use is subject to the terms on the coupon. • The coupon supplier is solely responsible for the quality and supply of the coupon. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week. • The formal terms are not applicable to existing Dah Sing credit-card holders. • A successful ITIC MasterCard application during the promotion period is required. • The coupon is delivered with the new credit card, cannot be redeemed for cash, and is subject to the terms on the coupon. • The supplier is solely responsible for the coupon quality and supply. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed HKD200 coupon; no eligible spend denominator is stated.
• Application or registration is required.
• The welcome offer is for a cardholder who successfully applies for the International Teacher Identity MasterCard during the promotion period.
• The card-specific welcome-offer terms are not applicable to existing Dah Sing credit-card holders.
• The coupon is delivered with the new credit card and cannot be redeemed for cash. Its use is subject to the terms on the coupon.
• The coupon supplier is solely responsible for the quality and supply of the coupon.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week.
• The formal terms are not applicable to existing Dah Sing credit-card holders.
• A successful ITIC MasterCard application during the promotion period is required.
• The coupon is delivered with the new credit card, cannot be redeemed for cash, and is subject to the terms on the coupon.
• The supplier is solely responsible for the coupon quality and supply.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.
• Welcome Offer promotion period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Senior • Fixed membership-fee waiver; no spending percentage is stated. • Application, registration or activation required. See conditions. • The page states that the one-year ITIC membership fee waiver, valued at HKD100, is provided when the applicant successfully applies for the card. • The page does not state a separate prior-card rule, issuance-date rule, or redemption procedure for this membership-fee waiver. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week.

• Eligibility: Audience: senior
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed membership fee waiver; no spending percentage is stated.
• Application or registration is required.
• The page states that the one-year ITIC membership fee waiver, valued at HKD100, is provided when the applicant successfully applies for the card.
• The page does not state a separate prior-card rule, issuance-date rule, or redemption procedure for this membership-fee waiver.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week.
• Welcome Offer promotion period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Senior • This is an annual-fee waiver, not a spending percentage. • The product page displays First Year Annual Fee Waiver. • The allowed HTML does not state the waived amount, an absolute validity boundary, a separate application step, or whether supplementary cards are included. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week.

• Eligibility: Audience: senior
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is an annual fee waiver, not a spending percentage.
• The product page displays First Year Annual Fee Waiver.
• The allowed HTML does not state the waived amount, an absolute validity boundary, a separate application step, or whether supplementary cards are included.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student; Document: The merchant list and offer details are referred to the International Student Identity Card Association. • Access benefit; no discount rate, fixed value, or spending denominator is stated. • The page describes over 10,000 travel offers in more than 120 countries for ITIC Mastercard cardholders. • The page directs readers to www.isic.hk, www.isic.org, or the listed telephone number for offer details; linked pages are not used as evidence. • The local page does not provide a complete merchant list, individual offer rates, caps, or validity dates. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week. • The cardholder must present the ITIC MasterCard upon payment to use the member privileged offer. • The merchant list and offer details are referred to the International Student Identity Card Association. • The merchants may amend or terminate the offer and its terms without prior notice; the relevant merchant is responsible for quality and supply. • The local source does not provide a complete recognizable merchant list, individual rates, caps, or validity dates. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.

• Eligibility: Audience: student · Document: The merchant list and offer details are referred to the International Student Identity Card Association.
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Access benefit; no discount rate, fixed value, or spending denominator is stated.
• The complete list of eligible merchants is not available.
• The page describes over 10,000 travel offers in more than 120 countries for ITIC Mastercard cardholders.
• The page directs readers to www.isic.hk, www.isic.org, or the listed telephone number for offer details; linked pages are not used as evidence.
• The local page does not provide a complete merchant list, individual offer rates, caps, or validity dates.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week.
• The cardholder must present the ITIC MasterCard upon payment to use the member privileged offer.
• The merchant list and offer details are referred to the International Student Identity Card Association.
• The merchants may amend or terminate the offer and its terms without prior notice; the relevant merchant is responsible for quality and supply.
• The local source does not provide a complete recognizable merchant list, individual rates, caps, or validity dates.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.

The source lists an exclusion affecting 賬單及公用事業; eligibility for this purchase is not established. • Audience: Senior • Cash-equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; the source states an individual-transaction rule and no cash reward for a transaction below HKD250. The retail-purchase exclusions and cash-reward scheme limits remain in constraints. • Minimum spend: Period: per_transaction; Spend: 250 • Applies to all eligible spending, subject to the conditions. • The page states HKD1 cash rebate for every HKD250 spent with the card. • The card is applicable to retail purchases and cash advances, with the listed exclusions including Octopus Automatic Add Value Service, Happy Installment, Cash-In Plan, and merchant installment plan. • The card applicant must be aged 18 or above. • The card applicant must be a Hong Kong resident. • The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week. • Cash Reward is calculated per individual transaction. Transactions below HKD250 earn no cash reward. • The scheme applies to retail purchase amounts and excludes cash advances, autopay, Happy Installment, Cash-in Plan, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment amounts, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. • The reward is credited to the principal credit-card account. A later cancellation or charge-off can cause an equivalent debit; the reward is not transferable, refundable, or exchangeable for cash. • The Bank determines eligibility from the transaction record. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.

• Eligibility: Audience: senior
• Eligible spending: Type: all
• Minimum requirement: Period: per transaction · Spend: HK$250.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; the source states an individual transaction rule and no cash reward for a transaction below HKD250. The retail purchase exclusions and cash reward scheme limits remain in constraints.
• The page states HKD1 cash rebate for every HKD250 spent with the card.
• The card is applicable to retail purchases and cash advances, with the listed exclusions including Octopus Automatic Add Value Service, Happy Installment, Cash-In Plan, and merchant installment plan.
• The card applicant must be aged 18 or above.
• The card applicant must be a Hong Kong resident.
• The card applicant must be a full-time teacher at a registered institution, with teaching hours not less than 18 hours per week.
• Cash Reward is calculated per individual transaction. Transactions below HKD250 earn no cash reward.
• The scheme applies to retail purchase amounts and excludes cash advances, autopay, Happy Installment, Cash-in Plan, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment amounts, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions.
• The reward is credited to the principal credit-card account. A later cancellation or charge-off can cause an equivalent debit; the reward is not transferable, refundable, or exchangeable for cash.
• The Bank determines eligibility from the transaction record.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.

Category or merchant does not match. • Audience: Senior • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; the source states an individual-transaction rule and no cash reward for a transaction below HKD250. The overseas condition and all cash-reward scheme limits remain in constraints. • Minimum spend: Period: per_transaction; Spend: 250 • Eligible categories: 海外簽賬 • An extra HKD1 is awarded, making HKD2 for every HKD250 transaction, for overseas spending. • Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong. • The base cash-reward transaction threshold and exclusions apply. • The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.

• Eligibility: Audience: senior
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$250.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; the source states an individual transaction rule and no cash reward for a transaction below HKD250. The overseas condition and all cash reward scheme limits remain in constraints.
• An extra HKD1 is awarded, making HKD2 for every HKD250 transaction, for overseas spending.
• Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong.
• The base cash-reward transaction threshold and exclusions apply.
• The card page states that the applicant must be aged 18 or above, be a Hong Kong resident, and be a full-time teacher at a registered institution with teaching hours not less than 18 hours per week.