Go Goal Platinum Card

Bank: Bank of Communications
Issuer: Go
Annual fee
Income requirement
Network
Verified date
Official website

Saving by category

Estimated saving at the selected amount. Conditions apply. Blank values have no supported estimate.

Category	Saved percentage	Conditions
Dining	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Fine dining	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Local dining	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Fast food	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Food delivery	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Cafés, bakeries and desserts	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Groceries	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Markets	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Supermarkets	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Convenience stores	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Shopping	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Fashion	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Sports and outdoors	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Department stores	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Electronics	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Home and furniture	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Jewellery and watches	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Books and stationery	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Pet supplies	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Online shopping	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Overseas online shopping	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Local online shopping	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Online groceries	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Online fashion and sports	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Transport	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Local transport	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Parking	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Fuel and EV charging	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Taxis, rides and car rental	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Travel	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Hotels	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Travel bookings	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Airlines	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Travel agencies	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Entertainment	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Cinemas	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Games	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Streaming	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Theme parks and attractions	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Concerts and tickets	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Bills and utilities
Telecommunications
Government payments
Electricity and gas
Water
Health and wellness	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Medical services	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Pharmacies and supplements	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Fitness	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Beauty and personal care	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Education	6.4%	Conditions and calculation Audience: Student Cash-equivalent calculation: 1 Bonus Point per HK$1 tuition-fee payment × (HK$1 cash rebate ÷ 250 Bonus Points) = 0.4%. The source states a maximum of 50,000 original points, equivalent to HK$200 at the stated conversion; this does not create a second cash reward. Limit: 200 HKD · Promotion Total Limit applies to: Cash-equivalent of the original 50,000-point Tuition Fees Payment Rewards cap Eligible categories: 學費／課程 The tuition-reward terms apply to applicants who did not hold a principal card of any type issued by the Bank in Hong Kong at application or during the preceding 12 months; supplementary cards are excluded. Cardholders must use the newly issued Go-Goal Platinum Card to settle tuition fees at City University of Hong Kong, Hong Kong Baptist University, Lingnan University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology or The University of Hong Kong. The source states HK$1 tuition-fee payment earns 1 bonus point, with a maximum of 50,000 points during 1 January 2026 to 31 December 2026. Principal and supplementary-card spending is combined, and the Bank may revise the designated merchant list without prior notice. Unposted, cancelled, refunded and fraudulent transactions are not eligible. Eligible spending must post to the designated account within 3 months from the new card issue date, including when posting is delayed by a dispute, reversal or merchant delay. The bonus points are credited to the eligible applicant's Go-Goal principal account by June 2027. The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full reward limit is still available. Cash-equivalent of the original 50,000-point Tuition Fees Payment Rewards cap Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month 學費／課程：1 Bonus Point per HK$1 tuition fee payment (0.4% cash-equivalent): 0.4% Eligibility: Audience: student Eligible spending: Applies to: 學費／課程 · Type: category Benefit limit: Amount: 200 · Applies to: Cash equivalent of the original 50,000 point Tuition Fees Payment Rewards cap · Currency: HKD · Period: promotion total · Type: limited · Unit: currency Percentage note: Cash equivalent calculation: 1 Bonus Point per HK$1 tuition fee payment × (HK$1 cash rebate ÷ 250 Bonus Points) = 0.4%. The source states a maximum of 50,000 original points, equivalent to HK$200 at the stated conversion; this does not create a second cash reward. The tuition-reward terms apply to applicants who did not hold a principal card of any type issued by the Bank in Hong Kong at application or during the preceding 12 months; supplementary cards are excluded. Cardholders must use the newly issued Go-Goal Platinum Card to settle tuition fees at City University of Hong Kong, Hong Kong Baptist University, Lingnan University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology or The University of Hong Kong. The source states HK$1 tuition-fee payment earns 1 bonus point, with a maximum of 50,000 points during 1 January 2026 to 31 December 2026. Principal and supplementary-card spending is combined, and the Bank may revise the designated merchant list without prior notice. Unposted, cancelled, refunded and fraudulent transactions are not eligible. Eligible spending must post to the designated account within 3 months from the new card issue date, including when posting is delayed by a dispute, reversal or merchant delay. The bonus points are credited to the eligible applicant's Go-Goal principal account by June 2027. The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Platinum Card Tuition Fees Payment Rewards promotion period: 2026-01-01 – 2026-12-31 Open source offer ↗ 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Tuition and courses	6.4%	Conditions and calculation Audience: Student Cash-equivalent calculation: 1 Bonus Point per HK$1 tuition-fee payment × (HK$1 cash rebate ÷ 250 Bonus Points) = 0.4%. The source states a maximum of 50,000 original points, equivalent to HK$200 at the stated conversion; this does not create a second cash reward. Limit: 200 HKD · Promotion Total Limit applies to: Cash-equivalent of the original 50,000-point Tuition Fees Payment Rewards cap Eligible categories: 學費／課程 The tuition-reward terms apply to applicants who did not hold a principal card of any type issued by the Bank in Hong Kong at application or during the preceding 12 months; supplementary cards are excluded. Cardholders must use the newly issued Go-Goal Platinum Card to settle tuition fees at City University of Hong Kong, Hong Kong Baptist University, Lingnan University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology or The University of Hong Kong. The source states HK$1 tuition-fee payment earns 1 bonus point, with a maximum of 50,000 points during 1 January 2026 to 31 December 2026. Principal and supplementary-card spending is combined, and the Bank may revise the designated merchant list without prior notice. Unposted, cancelled, refunded and fraudulent transactions are not eligible. Eligible spending must post to the designated account within 3 months from the new card issue date, including when posting is delayed by a dispute, reversal or merchant delay. The bonus points are credited to the eligible applicant's Go-Goal principal account by June 2027. The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full reward limit is still available. Cash-equivalent of the original 50,000-point Tuition Fees Payment Rewards cap Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month 學費／課程：1 Bonus Point per HK$1 tuition fee payment (0.4% cash-equivalent): 0.4% Eligibility: Audience: student Eligible spending: Applies to: 學費／課程 · Type: category Benefit limit: Amount: 200 · Applies to: Cash equivalent of the original 50,000 point Tuition Fees Payment Rewards cap · Currency: HKD · Period: promotion total · Type: limited · Unit: currency Percentage note: Cash equivalent calculation: 1 Bonus Point per HK$1 tuition fee payment × (HK$1 cash rebate ÷ 250 Bonus Points) = 0.4%. The source states a maximum of 50,000 original points, equivalent to HK$200 at the stated conversion; this does not create a second cash reward. The tuition-reward terms apply to applicants who did not hold a principal card of any type issued by the Bank in Hong Kong at application or during the preceding 12 months; supplementary cards are excluded. Cardholders must use the newly issued Go-Goal Platinum Card to settle tuition fees at City University of Hong Kong, Hong Kong Baptist University, Lingnan University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology or The University of Hong Kong. The source states HK$1 tuition-fee payment earns 1 bonus point, with a maximum of 50,000 points during 1 January 2026 to 31 December 2026. Principal and supplementary-card spending is combined, and the Bank may revise the designated merchant list without prior notice. Unposted, cancelled, refunded and fraudulent transactions are not eligible. Eligible spending must post to the designated account within 3 months from the new card issue date, including when posting is delayed by a dispute, reversal or merchant delay. The bonus points are credited to the eligible applicant's Go-Goal principal account by June 2027. The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Platinum Card Tuition Fees Payment Rewards promotion period: 2026-01-01 – 2026-12-31 Open source offer ↗ 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Overseas spending	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Mainland China spending	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Macau spending	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
E-wallet spending	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
E-wallet top-ups	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
WeChat Pay
AlipayHK
Octopus	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
PayMe	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Mobile payments	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Google Pay	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Apple Pay	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Samsung Pay	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Insurance	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Rent	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Charitable donations	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Loans and installments	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗
Other	6%	Conditions and calculation Audience: Student The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. Limit: 2000 HKD · Per Month Limit applies to: First HK$2,000 eligible spending in each calendar month Applies to all eligible spending, subject to the conditions. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. The source states a 0.4% bonus-points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. Limit: unlimited. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Confirm offer eligibility: Audience: Student. Assumes the full eligible spending limit remains available. First HK$2,000 eligible spending in each calendar month Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：5.6% Extra Rebate: 5.6% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Amount: 2000 · Applies to: First HK$2,000 eligible spending in each calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The source states a 5.6% Extra Rebate. The 6% headline is the combined 0.4% Basic Rebate plus 5.6% Extra Rebate and is not a separate reward. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The programme includes the 5.6% Extra Rebate in addition to the 0.4% Basic Rebate. Accrual is calculated for the first 12 calendar months from the card issuance month, and the 5.6% rate applies only to the first HK$2,000 eligible spending in each calendar month. Extra Rebate is credited in the third month after the transaction posting month and is rounded to the nearest dollar. Basic and Extra Rebate are independent components of the stated up-to-6% programme. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗ 積分獎賞：0.4% Basic Rebate: 0.4% Eligibility: Audience: student Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: The source states a 0.4% bonus points rebate without an upper limit. It also states 1 bonus point per HK$1 spending and 250 bonus points can be converted to HK$1. The programme is for a full-time student of a local university or tertiary institution who successfully applied for the principal Go-Goal Card from 1 January 2026 to 31 December 2026. The rebate accrual is calculated for the first 12 calendar months from the card issuance month. Basic Rebate is credited in the next statement and rounded to the nearest dollar. Eligible Spending Transactions are local retail transactions, non-HK-dollar foreign-currency retail transactions, online retail transactions, Octopus AAVS transactions and cash advances in the Eligible Credit Card during the promotion period. The programme excludes cash or purchase instalment amounts, balance transfers, MPF or SVC contributions, online bill payment via the Bank webpage, casino chips, travellers cheques, all credit-card charges including annual fees and finance charges, and Bank-designated transactions. Unposted, cancelled, refunded, fraudulent, abusive or unauthorised transactions are not eligible. Cardholders must keep original sales receipts and credit-card sales slips for inspection, and the Bank's records prevail in a discrepancy. The spending rebate can be used only for retail spending and cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. The account must remain valid and in good credit status. If a qualifying transaction is cancelled after the promotion period, the Bank may debit the equivalent reward from the card account. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. Go-Goal Card up to 6% Spending Rebate Program Promotion Period: 2026-01-01 – 2026-12-31 Open source offer ↗

Promotion offers and card offers are separate. Combined eligibility is not assumed.

Promotion offers (2)

Apple Pay首次綁定HK$20簽賬回贈

20HKD saving

Conditions applyCashbackPeriod LimitedCap: HK$20.00 · promotion total

Eligibility: Audience: all · Customer status: new
Eligible spending: Type: not applicable
Benefit limit: Amount: 20 · Applies to: 每位卡戶的獎賞1 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
Application or registration is required.
須於推廣期內成功登記；可經本行網頁或「交銀香港」微信公眾號登記，選擇推廣編號202606CCD0000104。
登記名額有限，先到先得，額滿即止。
獎賞1適用於推廣期內首次把合資格信用卡綁定Apple Pay的卡戶。
不適用於2026年6月30日或之前曾以合資格信用卡綁定Apple Pay的卡戶；按身份證號碼計算。每位卡戶只可獲獎賞1一次。
須使用交通銀行信用卡登記，並綁定合資格信用卡。
頁面總述列明整項推廣最高港幣1,220元簽賬回贈；此為總述上限，不是額外獎賞。
優惠受相關條款及細則約束。
Apple Pay首次綁定獎賞: 2026-07-01 – 2026-12-31

Open source offer ↗

Apple Pay合資格簽賬額外高達5%簽賬回贈

Up to5%saving

Conditions applyCashbackPeriod Limitedapple payMinimum spending: HK$3,000.00Cap: HK$200.00 · per month

Eligibility: Audience: all
Eligible spending: Type: all
Requirements: Pay with: apple pay · Period spend ≥: HK$3,000.00
Benefit limit: Amount: 200 · Applies to: 每位卡戶每推廣階段的獎賞2回贈 · Currency: HKD · Period: per month · Type: limited · Unit: currency
Application or registration is required.
須於推廣期內成功登記；可經本行網頁或「交銀香港」微信公眾號登記，選擇推廣編號202606CCD0000104。
登記名額有限，先到先得，額滿即止。
每推廣階段須憑合資格信用卡累積合資格零售簽賬滿港幣3,000元；累積簽賬包括實體信用卡及／或Apple Pay。該階段透過Apple Pay進行的合資格簽賬可獲額外5%回贈。
獎賞2的合資格簽賬由成功登記的推廣階段起計算；每個推廣階段分開計算。
每位卡戶每推廣階段最高可獲港幣200元回贈；整個推廣期最高可獲港幣1,200元回贈。
如卡戶持有多於一張主卡，各主卡簽賬不得轉讓或合併計算作累積簽賬。
須使用交通銀行信用卡登記，並使用合資格信用卡。
頁面總述列明整項推廣最高港幣1,220元簽賬回贈；此為總述上限，不是額外獎賞。
優惠受相關條款及細則約束。
第5推廣階段登記及簽賬日期: 2026-11-01 – 2026-11-30

Open source offer ↗

Credit card offers (9)

禮品優惠：20-inch Foldable Suitcase

—Value not stated

Conditions applyGiftPeriod LimitedstudentMinimum spending: HK$3,000.00

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

Open source offer ↗

禮品優惠：Hedgren Backpack in Luggage Open Style w/Pouch

—Value not stated

Conditions applyGiftPeriod LimitedstudentMinimum spending: HK$3,000.00

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

Open source offer ↗

現金回贈：HK$500 Spending Rebate

500HKD saving

Conditions applyCashbackPeriod LimitedstudentMinimum spending: HK$3,000.00Cap: HK$500.00 · promotion total

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

Open source offer ↗

學費／課程：1 Bonus Point per HK$1 tuition fee payment (0.4% cash-equivalent)

1Bonus Points rate

PointsPeriod LimitedstudentCap: HK$200.00 · promotion total

Eligibility: Audience: student
Eligible spending: Applies to: 學費／課程 · Type: category
Benefit limit: Amount: 200 · Applies to: Cash equivalent of the original 50,000 point Tuition Fees Payment Rewards cap · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
Percentage note: Cash equivalent calculation: 1 Bonus Point per HK$1 tuition fee payment × (HK$1 cash rebate ÷ 250 Bonus Points) = 0.4%. The source states a maximum of 50,000 original points, equivalent to HK$200 at the stated conversion; this does not create a second cash reward.
The tuition-reward terms apply to applicants who did not hold a principal card of any type issued by the Bank in Hong Kong at application or during the preceding 12 months; supplementary cards are excluded.
Cardholders must use the newly issued Go-Goal Platinum Card to settle tuition fees at City University of Hong Kong, Hong Kong Baptist University, Lingnan University, The Chinese University of Hong Kong, The Education University of Hong Kong, The Hong Kong Polytechnic University, The Hong Kong University of Science and Technology or The University of Hong Kong.
The source states HK$1 tuition-fee payment earns 1 bonus point, with a maximum of 50,000 points during 1 January 2026 to 31 December 2026. Principal and supplementary-card spending is combined, and the Bank may revise the designated merchant list without prior notice.
Unposted, cancelled, refunded and fraudulent transactions are not eligible. Eligible spending must post to the designated account within 3 months from the new card issue date, including when posting is delayed by a dispute, reversal or merchant delay.
The bonus points are credited to the eligible applicant's Go-Goal principal account by June 2027. The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.
The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.
Go-Goal Platinum Card Tuition Fees Payment Rewards promotion period: 2026-01-01 – 2026-12-31

Open source offer ↗

分期優惠：55-day interest-free instalment loan repayment

0%rate

Financingstudent

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

Open source offer ↗

折扣優惠：Up to 24-month repayment by paying a one-off handling fee

—Value not stated

Discountstudent

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

Open source offer ↗

積分獎賞：0.4% Basic Rebate

0.4%saving

CashbackPeriod Limitedstudent

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

Open source offer ↗

現金回贈：5.6% Extra Rebate

5.6%saving

CashbackPeriod LimitedstudentCap: HK$2,000.00 · per month

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

Open source offer ↗

費用豁免：Perpetual annual fee waiver

—Value not stated

Fee Waiverstudent

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

Open source offer ↗