Shanghai Commercial Bank Titanium Credit Card

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 餐飲
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

餐飲：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 餐飲
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

餐飲：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 餐飲
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

餐飲：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 餐飲
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

餐飲：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 餐飲
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

餐飲：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 餐飲
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

餐飲：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Dining and Food Delivery Platform. Transactions must be made at dining or food-delivery platforms, including online in Hong Kong. Banquet services, private functions, private-room events, dining outlets in hotels or department stores, associations and clubhouses, and food and beverage services provided by designated merchants of other spending categories are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local dining and food-delivery spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 購物
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

購物：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Local Supermarket and Department Store. Transactions must be made at supermarkets or department stores, including online in Hong Kong. Transactions at counters and merchants in department stores are excluded.
• This object records the resolved 5.6% Extra Cash Rebate component for local supermarket and department-store spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states a 5.6% extra component; the combined up-to-6% headline is not a second countable reward.
• Limit: 250 HKD · Per Month
• Limit applies to: Combined Cash Rebate shared across designated categories
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Eligible categories: 海外簽賬
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Foreign Currency Spending. The offer covers retail or online transactions made overseas and settled in a currency other than Hong Kong dollars. The formal terms exclude UnionPay Dual Currency Credit Card Renminbi-account spending; that exception does not change the Mastercard Titanium rule.
• This object records the resolved 5.6% Extra Cash Rebate component for foreign-currency spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Applies to all eligible spending, subject to the conditions.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Assumes the full reward limit is still available. Combined Cash Rebate shared across designated categories
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
• No reward limit is stated. Confirm any limits before purchase.

海外簽賬：5.6% extra cash rebate: 5.6%

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 250 · Applies to: Combined Cash Rebate shared across designated categories · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The source states a 5.6% extra component; the combined up to 6% headline is not a second countable reward.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• Designated category: Foreign Currency Spending. The offer covers retail or online transactions made overseas and settled in a currency other than Hong Kong dollars. The formal terms exclude UnionPay Dual Currency Credit Card Renminbi-account spending; that exception does not change the Mastercard Titanium rule.
• This object records the resolved 5.6% Extra Cash Rebate component for foreign-currency spending. The headline up to 6% is the combined 5.6% extra component and 0.4% basic spending reward. The combined monthly maximum is HK$250 and the full-period maximum is HK$1,500; the monthly maximum is shared across the designated categories.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

Open source offer ↗

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28

• The source states the 0.4% basic spending reward and the HK$1-per-250-spending-bonus-points redemption rule.
• Application, registration or activation required. See conditions.
• Eligibility: Phase Spend Min: 3000
• Applies to all eligible spending, subject to the conditions.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• No reward limit is stated. Confirm any limits before purchase.
• Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.

現金回贈：0.4% basic spending reward: 0.4%

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 0.4% basic spending reward and the HK$1 per 250 spending bonus points redemption rule.
• Application or registration is required.
• Existing principal cardholders of Shanghai Commercial Bank credit cards or the selected co-branded credit cards are eligible, excluding corporate and business cards. Mastercard Titanium is an eligible Shanghai Commercial Bank credit card. Bank staff and retired employees of the Bank and its subsidiaries are excluded.
• The cardholder must successfully register the Eligible Card once through the Bank website during the registration period. Rebate calculation starts in the month of successful registration; no rebate is reissued for an earlier month.
• The cardholder must accumulate HK$3,000 of Eligible Spending in each calendar month. Eligible Spending covers local retail spending, overseas retail spending, and online spending. A qualifying transaction must post to the card account within 15 days after the transaction day.
• The principal card and related supplementary-card accounts are treated as one Eligible Card account. The account must remain valid and in good standing during the promotion and fulfilment periods.
• Eligible Spending excludes outstanding balance, cash advances, balance transfers, Bank-channel bill payments including tax, utilities, and insurance payments, credit-card charges including annual fees, finance charges, late charges and interest, merchant or cash/purchase instalment repayments, autopay, recurring transactions, Octopus automatic add-value, e-wallet or electronic-money top-up or transfer, casino chips, and unposted, unauthorised, cancelled, refunded, fraudulent, or other Bank-determined ineligible transactions. The formal terms also exclude the named school, association, membership, and donation payments listed for selected co-branded cards.
• The Bank determines transaction eligibility by merchant codes and transaction types defined by Visa, Mastercard, UnionPay, or the acquiring bank. It may revise details without notice and may debit a rebate for a transaction later found ineligible.
• The Cash Rebate includes a 5.6% Extra Cash Rebate and a 0.4% basic spending reward. The combined Cash Rebate is rounded down to the nearest dollar, and an amount below HK$1 is not counted. It can only be applied against outstanding credit in the relevant card account and cannot be withdrawn in cash or transferred.
• The existing-customer programme has a quota of 8,000 for the whole promotion period on a first-come-first-served basis. If a cardholder registers more than once with different Eligible Cards, the Cash Rebate is credited to the first successfully registered Eligible Card account according to the Bank record.
• The Extra Cash Rebate posting schedule is: spending 1-30 September 2026 by 31 December 2026; 1 October-30 November by 28 February 2027; 1 December 2026-31 January 2027 by 30 April 2027; and 1-28 February 2027 by 31 May 2027.
• This object records the 0.4% basic spending reward component. The source states that HK$1 rebate can be redeemed for every 250 spending bonus points and does not state a separate cap for this component.
• The combined monthly Cash Rebate maximum is HK$250 and the existing-customer full-period maximum is HK$1,500, shared with the Extra Cash Rebate components.
• Existing-customer Cash Rebate promotion period: 2026-09-01 – 2027-02-28