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Alternative offer in the same group; only the best group offer is counted. • Cash-equivalent calculation: 4 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 2% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Merchants: pizza-hut, phd, kfc, maxims-chinese-cuisine, cafe-landmark, muses, wildfire-pizzabar, simplylife-bakery-cafe, simplylife-foodplace, kikusan, andyou, andbtr, thai-basil, exp, port-spot, minh-kok, hong-kong-day, maxims-mx, canteen, deli-o, maxims-food2, maxims-cakes, arome-bakery, paper-stone-bakery, urban, maxims-on-site-bakery, homebake, starbucks, dondonya, uo-show • Eligible merchants: pizza-hut, phd, kfc, maxims-chinese-cuisine, cafe-landmark, muses, wildfire-pizzabar, simplylife-bakery-cafe, simplylife-foodplace, kikusan, andyou, andbtr, thai-basil, exp, port-spot, minh-kok, hong-kong-day, maxims-mx, canteen, deli-o, maxims-food2, maxims-cakes, arome-bakery, paper-stone-bakery, urban, maxims-on-site-bakery, homebake, starbucks, dondonya, uo-show • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • This tier applies to Pizza Hut, PHD, KFC, the named Maxim's food brands, Starbucks, DONDONYA and Uo-Show in Hong Kong. The 4 points comprise 2 points for the enJoy Card and 2 points awarded by merchants.

• Eligibility: Audience: all
• Eligible spending: Applies to: pizza hut / phd / kfc / maxims chinese cuisine / cafe landmark / muses / wildfire pizzabar / simplylife bakery cafe / simplylife foodplace / kikusan / andyou / andbtr / thai basil / exp / port spot / minh kok / hong kong day / maxims mx / canteen / deli o / maxims food2 / maxims cakes / arome bakery / paper stone bakery / urban / maxims on site bakery / homebake / starbucks / dondonya / uo show · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 4 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 2% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• This tier applies to Pizza Hut, PHD, KFC, the named Maxim's food brands, Starbucks, DONDONYA and Uo-Show in Hong Kong. The 4 points comprise 2 points for the enJoy Card and 2 points awarded by merchants.

Alternative offer in the same group; only the best group offer is counted. • Cash-equivalent calculation: 1 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 0.5% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • This is the source's other-merchant tier for eligible local and overseas spending outside the named higher-earning tiers.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 1 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 0.5% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• This is the source's other-merchant tier for eligible local and overseas spending outside the named higher-earning tiers.

Not counted: merchant-specific offers do not stack; only the highest-priority applicable merchant offer is counted. • Cash-equivalent calculation: 20 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 10% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Merchants: maxims-chinese-cuisine • Eligible merchants: maxims-chinese-cuisine • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • The Thursday tier applies after 6:00 pm at the named Maxim's Chinese Cuisine outlets. The 20-point total is 1× base, 3× Maxim's Group bonus and 16× offer bonus; it is one alternative representation and must not be added to the general yuu tier for the same transaction. • A yuu ID and full one-payment enJoy Card settlement are required. The offer is for dine-in à la carte food and has the source-stated diner, date, menu, service-charge and no-combination restrictions.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims chinese cuisine · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 20 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 10% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• The Thursday tier applies after 6:00 pm at the named Maxim's Chinese Cuisine outlets. The 20-point total is 1× base, 3× Maxim's Group bonus and 16× offer bonus; it is one alternative representation and must not be added to the general yuu tier for the same transaction.
• A yuu ID and full one-payment enJoy Card settlement are required. The offer is for dine-in à la carte food and has the source-stated diner, date, menu, service-charge and no-combination restrictions.
• Maxim's Chinese Cuisine Thursday exclusive offer period: 2025-10-02 – 2026-12-17

This benefit does not apply to a purchase. • Customer: New customer • Limit: 140000 points · Promotion Total • Limit applies to: New Credit Card Customer welcome reward • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • The principal enJoy Visa Platinum Card must be applied for and approved during the source-stated promotion period through 31 December 2026. • A customer who currently holds or held an enJoy Visa Platinum Card or enJoy Spending Card during the 12 months before application is not eligible. • The customer must link the card to yuu and accumulate at least HKD5,000 of eligible net retail spending within 60 days from card issuance. • The new-customer tier requires no principal Hang Seng credit or affinity card in the prior 12 months. The existing-customer tier covers another Hang Seng credit or affinity principal card, excluding the enJoy Visa Platinum Card and Spending Card. • Shared-limit supplementary-card spending is combined. Each customer can receive the welcome offer once. The account must remain valid, in good standing and linked to yuu when the points are credited. • Eligible spending excludes discounts and redeemed points, unposted interest-free instalments, cash advances and fees, annual or service fees, finance and late charges, taxes, online bill payments, instalment plans, Octopus automatic add value, stored-value-card or e-wallet purchases or reloads, financial-institution products, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after receipt of the reward, an equivalent handling fee applies.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 140000 · Applies to: New Credit Card Customer welcome reward · Period: promotion total · Type: limited · Unit: points
• Application or registration is required.
• The principal enJoy Visa Platinum Card must be applied for and approved during the source-stated promotion period through 31 December 2026.
• A customer who currently holds or held an enJoy Visa Platinum Card or enJoy Spending Card during the 12 months before application is not eligible.
• The customer must link the card to yuu and accumulate at least HKD5,000 of eligible net retail spending within 60 days from card issuance.
• The new-customer tier requires no principal Hang Seng credit or affinity card in the prior 12 months. The existing-customer tier covers another Hang Seng credit or affinity principal card, excluding the enJoy Visa Platinum Card and Spending Card.
• Shared-limit supplementary-card spending is combined. Each customer can receive the welcome offer once. The account must remain valid, in good standing and linked to yuu when the points are credited.
• Eligible spending excludes discounts and redeemed points, unposted interest-free instalments, cash advances and fees, annual or service fees, finance and late charges, taxes, online bill payments, instalment plans, Octopus automatic add value, stored-value-card or e-wallet purchases or reloads, financial-institution products, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after receipt of the reward, an equivalent handling fee applies.
• Welcome Offer promotion period: Now – 2026-12-31

This benefit does not apply to a purchase. • Customer: New customer • Limit: 60000 points · Promotion Total • Limit applies to: Existing Credit Card Customer welcome reward • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • The principal enJoy Visa Platinum Card must be applied for and approved during the source-stated promotion period through 31 December 2026. • A customer who currently holds or held an enJoy Visa Platinum Card or enJoy Spending Card during the 12 months before application is not eligible. • The customer must link the card to yuu and accumulate at least HKD5,000 of eligible net retail spending within 60 days from card issuance. • The new-customer tier requires no principal Hang Seng credit or affinity card in the prior 12 months. The existing-customer tier covers another Hang Seng credit or affinity principal card, excluding the enJoy Visa Platinum Card and Spending Card. • Shared-limit supplementary-card spending is combined. Each customer can receive the welcome offer once. The account must remain valid, in good standing and linked to yuu when the points are credited. • Eligible spending excludes discounts and redeemed points, unposted interest-free instalments, cash advances and fees, annual or service fees, finance and late charges, taxes, online bill payments, instalment plans, Octopus automatic add value, stored-value-card or e-wallet purchases or reloads, financial-institution products, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions. • If the account is cancelled within 13 months after opening after receipt of the reward, an equivalent handling fee applies.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 60000 · Applies to: Existing Credit Card Customer welcome reward · Period: promotion total · Type: limited · Unit: points
• Application or registration is required.
• The principal enJoy Visa Platinum Card must be applied for and approved during the source-stated promotion period through 31 December 2026.
• A customer who currently holds or held an enJoy Visa Platinum Card or enJoy Spending Card during the 12 months before application is not eligible.
• The customer must link the card to yuu and accumulate at least HKD5,000 of eligible net retail spending within 60 days from card issuance.
• The new-customer tier requires no principal Hang Seng credit or affinity card in the prior 12 months. The existing-customer tier covers another Hang Seng credit or affinity principal card, excluding the enJoy Visa Platinum Card and Spending Card.
• Shared-limit supplementary-card spending is combined. Each customer can receive the welcome offer once. The account must remain valid, in good standing and linked to yuu when the points are credited.
• Eligible spending excludes discounts and redeemed points, unposted interest-free instalments, cash advances and fees, annual or service fees, finance and late charges, taxes, online bill payments, instalment plans, Octopus automatic add value, stored-value-card or e-wallet purchases or reloads, financial-institution products, balance transfers, casino chips, and unposted, unauthorised, cancelled, refunded or fraudulent transactions.
• If the account is cancelled within 13 months after opening after receipt of the reward, an equivalent handling fee applies.
• Welcome Offer promotion period: Now – 2026-12-31

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • The source-stated basic redemption rate is 200 yuu Reward Points for HKD1 of purchase value. • Points can be redeemed through the yuu mobile application or by tapping the physical enJoy Card at a participating merchant contactless reader. • The card must be linked to the yuu Rewards Programme before earning or redeeming points.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The source-stated basic redemption rate is 200 yuu Reward Points for HKD1 of purchase value.
• Points can be redeemed through the yuu mobile application or by tapping the physical enJoy Card at a participating merchant contactless reader.
• The card must be linked to the yuu Rewards Programme before earning or redeeming points.

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • Registration is available through the yuu mobile application or at a designated 7-Eleven store in Hong Kong. Linking supports earning and redemption.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Registration is available through the yuu mobile application or at a designated 7-Eleven store in Hong Kong. Linking supports earning and redemption.

This benefit does not apply to a purchase. • The KFS states an interest-free period of up to 56 days when the monthly balance is paid in full by the due date; otherwise interest applies.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The KFS states an interest-free period of up to 56 days when the monthly balance is paid in full by the due date; otherwise interest applies.

Category or merchant does not match. • Cash-equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Merchants: 7-eleven • Eligible merchants: 7-eleven • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • The 3 points comprise 2 points for the enJoy Card and 1 point awarded by the merchant.

• Eligibility: Audience: all
• Eligible spending: Applies to: 7 eleven · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• The 3 points comprise 2 points for the enJoy Card and 1 point awarded by the merchant.

Category or merchant does not match. • Cash-equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Merchants: ikea • Eligible merchants: ikea • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • The source defines the 3-point tier for IKEA spending, subject to the yuu membership and eligible transaction rules.

• Eligibility: Audience: all
• Eligible spending: Applies to: ikea · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• The source defines the 3-point tier for IKEA spending, subject to the yuu membership and eligible transaction rules.

Category or merchant does not match. • Cash-equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Merchants: mannings, gnc • Eligible merchants: mannings, gnc • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • The source defines the 3-point tier for Mannings and GNC spending; the merchant awards 1 of the 3 points where the yuu terms specify merchant scanning or membership identification.

• Eligibility: Audience: all
• Eligible spending: Applies to: mannings / gnc · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• The source defines the 3-point tier for Mannings and GNC spending; the merchant awards 1 of the 3 points where the yuu terms specify merchant scanning or membership identification.

Category or merchant does not match. • Cash-equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Merchants: wellcome, market-place-by-jasons, market-place, 3hreesixty, olivers-the-delicatessen, market-place-by-jasons-app, yuu-app • Eligible merchants: wellcome, market-place-by-jasons, market-place, 3hreesixty, olivers-the-delicatessen, market-place-by-jasons-app, yuu-app • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • The source defines the 3-point tier for Wellcome, Market Place, 3hreesixty, Oliver's The Delicatessen and the named apps and online shops.

• Eligibility: Audience: all
• Eligible spending: Applies to: wellcome / market place by jasons / market place / 3hreesixty / olivers the delicatessen / market place by jasons app / yuu app · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 3 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1.5% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• The source defines the 3-point tier for Wellcome, Market Place, 3hreesixty, Oliver's The Delicatessen and the named apps and online shops.

Category or merchant does not match. • Cash-equivalent calculation: 2 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Merchants: shell-hong-kong • Eligible merchants: shell-hong-kong • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • The source defines the 2-point tier for Shell Hong Kong; 1 point is awarded for paying with the enJoy Card and 1 by the merchant.

• Eligibility: Audience: all
• Eligible spending: Applies to: shell hong kong · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 2 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• The source defines the 2-point tier for Shell Hong Kong; 1 point is awarded for paying with the enJoy Card and 1 by the merchant.

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: 2 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1% cash equivalent. Redemption is subject to the source-stated yuu terms. • Application, registration or activation required. See conditions. • Eligible merchants: other-designated-maxims-group • The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant. • Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation. • Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points. • This tier is limited to other designated Maxim's Group brands, outlets and Hong Kong online spending. The local source does not provide a complete recognizable merchant list for this group.

• Eligibility: Audience: all
• Eligible spending: Applies to: other designated maxims group · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 2 yuu Reward Points per HKD1 × HKD1 value per 200 yuu Reward Points = 1% cash equivalent. Redemption is subject to the source stated yuu terms.
• Application or registration is required.
• The complete list of eligible merchants is not available.
• The customer must join the yuu Reward Points Programme and link the enJoy Card through the yuu mobile application or a designated programme merchant.
• Points awarded by Hang Seng are based on the net amount finally charged to the card; discounts do not count in the reward calculation.
• Cash advances, fees and charges, Cash Instalment Plan and Spending Instalment Plan transactions, online bill payments, many financial or non-financial institution transactions, stored-value-card or e-wallet purchases or reloads, and unposted, cancelled, reversed or refunded transactions do not earn yuu points.
• This tier is limited to other designated Maxim's Group brands, outlets and Hong Kong online spending. The local source does not provide a complete recognizable merchant list for this group.

Category or merchant does not match. • The source states a 5% discount offer. • Merchants: 7-eleven • Eligible merchants: 7-eleven • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies to Hong Kong 7-Eleven physical stores and the online shop or app on the source-stated 8th or 18th dates. Direct enJoy Card payment is required online; the listed products and services are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 7 eleven · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 5% discount offer.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies to Hong Kong 7-Eleven physical stores and the online shop or app on the source-stated 8th or 18th dates. Direct enJoy Card payment is required online; the listed products and services are excluded.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • Minimum spend: Period: per_transaction; Spend: 3500 • Merchants: ikea • Eligible merchants: ikea • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • A single IKEA sales order must contain at least HKD3,500 of net home-furnishing products or accessories and include home delivery or assembly. Restaurant, food-market, service-charge, gift-card, online-shopping and excluded-location rules apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: ikea · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$3,500.00
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• A single IKEA sales order must contain at least HKD3,500 of net home-furnishing products or accessories and include home delivery or assembly. Restaurant, food-market, service-charge, gift-card, online-shopping and excluded-location rules apply.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • The card page states 6% at Mannings on selected days every month. • Merchants: mannings, mannings-plus, mannings-baby • Eligible merchants: mannings, mannings-plus, mannings-baby • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Gift vouchers, Stage 1 infant formula, prescriptions, special and non-discountable items, redemption products, Octopus reload and plastic-bag charges are excluded. Online transactions are limited to the source-stated dates and times.

• Eligibility: Audience: all
• Eligible spending: Applies to: mannings / mannings plus / mannings baby · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The card page states 6% at Mannings on selected days every month.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Gift vouchers, Stage 1 infant formula, prescriptions, special and non-discountable items, redemption products, Octopus reload and plastic-bag charges are excluded. Online transactions are limited to the source-stated dates and times.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • Merchants: gnc • Eligible merchants: gnc • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The GNC section confirms a card-linked offer but does not state a numeric rate. One-day special, net-price, non-discountable and redemption items and shopping-bag charges are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: gnc · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The GNC section confirms a card-linked offer but does not state a numeric rate. One-day special, net-price, non-discountable and redemption items and shopping-bag charges are excluded.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • Document: The offer applies to Wellcome, Market Place, 3hreesixty, Oliver's The Delicatessen and the named online shops. Physical stores require single net spending of at least HKD100; the named online shops require at least HKD600; Click & Collect requires at least HKD100. The listed vouchers, infant formula, prepaid cards, reloads, designated items and delivery or packaging fees are excluded. • The card page states 8% at Wellcome and related designated merchants. • Merchants: wellcome, market-place-by-jasons, market-place, 3hreesixty, olivers-the-delicatessen, market-place-by-jasons-app, yuu-app • Eligible merchants: wellcome, market-place-by-jasons, market-place, 3hreesixty, olivers-the-delicatessen, market-place-by-jasons-app, yuu-app • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies to Wellcome, Market Place, 3hreesixty, Oliver's The Delicatessen and the named online shops. Physical stores require single net spending of at least HKD100; the named online shops require at least HKD600; Click & Collect requires at least HKD100. The listed vouchers, infant formula, prepaid cards, reloads, designated items and delivery or packaging fees are excluded.

• Eligibility: Audience: all · Document: The offer applies to Wellcome, Market Place, 3hreesixty, Oliver's The Delicatessen and the named online shops. Physical stores require single net spending of at least HKD100; the named online shops require at least HKD600; Click & Collect requires at least HKD100. The listed vouchers, infant formula, prepaid cards, reloads, designated items and delivery or packaging fees are excluded.
• Eligible spending: Applies to: wellcome / market place by jasons / market place / 3hreesixty / olivers the delicatessen / market place by jasons app / yuu app · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The card page states 8% at Wellcome and related designated merchants.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies to Wellcome, Market Place, 3hreesixty, Oliver's The Delicatessen and the named online shops. Physical stores require single net spending of at least HKD100; the named online shops require at least HKD600; Click & Collect requires at least HKD100. The listed vouchers, infant formula, prepaid cards, reloads, designated items and delivery or packaging fees are excluded.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • The source states HKD30 off on HKD250 or more and identifies this as equivalent to a 12% discount at the threshold. • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 250 • Merchants: pizza-hut • Eligible merchants: pizza-hut • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Every Tuesday, dine-in net spending of at least HKD250 excluding service charge qualifies at all Pizza Hut stores in Hong Kong. The offer must be explicitly requested. The source-stated excluded orders and dates apply; no yuu points are earned on the discounted amount.

• Eligibility: Audience: all
• Eligible spending: Applies to: pizza hut · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$250.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states HKD30 off on HKD250 or more and identifies this as equivalent to a 12% discount at the threshold.
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Every Tuesday, dine-in net spending of at least HKD250 excluding service charge qualifies at all Pizza Hut stores in Hong Kong. The offer must be explicitly requested. The source-stated excluded orders and dates apply; no yuu points are earned on the discounted amount.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • The source states a 10% dine-in à la carte discount. • Application, registration or activation required. See conditions. • Merchants: pizza-hut • Eligible merchants: pizza-hut • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies Monday to Sunday at all Pizza Hut stores subject to the source-stated excluded dates. Use must be specified when ordering; value deals, party food, paid coupon purchases and listed discounts are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: pizza hut · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 10% dine in à la carte discount.
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies Monday to Sunday at all Pizza Hut stores subject to the source-stated excluded dates. Use must be specified when ordering; value deals, party food, paid coupon purchases and listed discounts are excluded.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • The source states a 10% takeaway a la carte discount. • Application, registration or activation required. See conditions. • Merchants: pizza-hut • Eligible merchants: pizza-hut • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies Monday to Sunday at all Pizza Hut stores subject to the source-stated excluded dates. Online ordering, party food, paid coupon purchases and listed discounts are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: pizza hut · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 10% takeaway a la carte discount.
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies Monday to Sunday at all Pizza Hut stores subject to the source-stated excluded dates. Online ordering, party food, paid coupon purchases and listed discounts are excluded.
• Year-round merchant offer: Now – 2026-12-31

The offer is not available on the snapshot weekday or date. • Application, registration or activation required. See conditions. • Merchants: kfc • Eligible merchants: kfc • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies on Mondays at Hong Kong KFC restaurants except AsiaWorld-Expo, for cashier or kiosk dine-in and takeaway orders. The customer must state the intention before ordering; Click & Collect, delivery and listed products are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: kfc · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies on Mondays at Hong Kong KFC restaurants except AsiaWorld-Expo, for cashier or kiosk dine-in and takeaway orders. The customer must state the intention before ordering; Click & Collect, delivery and listed products are excluded.
• KFC Year-round Discount Offer: 2025-10-01 – 2026-12-31

Category or merchant does not match. • Minimum spend: Period: per_transaction; Spend: 130 • Merchants: genki-sushi • Eligible merchants: genki-sushi • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • One HKD12 coupon is issued at HKD130 or above, two at HKD260 or above, and so on. Usage is for Hong Kong Genki Sushi outlets, dine-in or walk-in takeaway, not on Fridays, Saturdays, Sundays or public holidays, and subject to the source exclusions.

• Eligibility: Audience: all
• Eligible spending: Applies to: genki sushi · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$130.00
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• One HKD12 coupon is issued at HKD130 or above, two at HKD260 or above, and so on. Usage is for Hong Kong Genki Sushi outlets, dine-in or walk-in takeaway, not on Fridays, Saturdays, Sundays or public holidays, and subject to the source exclusions.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: sen-ryo • Eligible merchants: sen-ryo • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Hong Kong dine-in spending; service charge, other discounts and sen-ryo point rules apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: sen ryo · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Hong Kong dine-in spending; service charge, other discounts and sen-ryo point rules apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: obihiro-hageten • Eligible merchants: obihiro-hageten • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in only; a 10% service charge based on the original price applies.

• Eligibility: Audience: all
• Eligible spending: Applies to: obihiro hageten · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in only; a 10% service charge based on the original price applies.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: yakiniku-kagura • Eligible merchants: yakiniku-kagura • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in only; a 10% service charge based on the original price applies.

• Eligibility: Audience: all
• Eligible spending: Applies to: yakiniku kagura · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in only; a 10% service charge based on the original price applies.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: uo-haru • Eligible merchants: uo-haru • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in only; a 10% service charge based on the original price applies.

• Eligibility: Audience: all
• Eligible spending: Applies to: uo haru · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in only; a 10% service charge based on the original price applies.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: nakame-no-teppen • Eligible merchants: nakame-no-teppen • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in only; a 10% service charge based on the original price applies.

• Eligibility: Audience: all
• Eligible spending: Applies to: nakame no teppen · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in only; a 10% service charge based on the original price applies.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: gogyo • Eligible merchants: gogyo • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in only; a 10% service charge based on the original price applies.

• Eligibility: Audience: all
• Eligible spending: Applies to: gogyo · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in only; a 10% service charge based on the original price applies.
• Year-round merchant offer: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • Minimum spend: Period: per_transaction; Spend: 300 • Merchants: yakiniku-like • Eligible merchants: yakiniku-like • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • One HKD50 certificate is issued at HKD300 or above, two at HKD600 or above, and so on. A certificate is used on HKD350 or above net dine-in spending and is valid until 31 January 2027.

• Eligibility: Audience: all
• Eligible spending: Applies to: yakiniku like · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$300.00
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• One HKD50 certificate is issued at HKD300 or above, two at HKD600 or above, and so on. A certificate is used on HKD350 or above net dine-in spending and is valid until 31 January 2027.
• Year-round merchant offer: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • Minimum spend: Period: per_transaction; Spend: 380 • Merchants: le-ta-su • Eligible merchants: le-ta-su • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • One HKD50 certificate is issued at HKD380 or above, two at HKD760 or above, and so on. A certificate is used on HKD400 or above net dine-in spending and is valid until 31 January 2027.

• Eligibility: Audience: all
• Eligible spending: Applies to: le ta su · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$380.00
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• One HKD50 certificate is issued at HKD380 or above, two at HKD760 or above, and so on. A certificate is used on HKD400 or above net dine-in spending and is valid until 31 January 2027.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • The source states a 10% discount after the merchant's HKD200 net-spend threshold. • Minimum spend: Period: per_transaction; Spend: 200 • Merchants: dondonya • Eligible merchants: dondonya • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: dondonya · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 10% discount after the merchant's HKD200 net spend threshold.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • The source states a 10% discount after the merchant's HKD200 net-spend threshold. • Minimum spend: Period: per_transaction; Spend: 200 • Merchants: ippudo • Eligible merchants: ippudo • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: ippudo · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 10% discount after the merchant's HKD200 net spend threshold.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • The source states a 10% discount after the merchant's HKD200 net-spend threshold. • Minimum spend: Period: per_transaction; Spend: 200 • Merchants: butahage • Eligible merchants: butahage • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: butahage · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 10% discount after the merchant's HKD200 net spend threshold.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • The source states a 10% discount after the merchant's HKD200 net-spend threshold. • Minimum spend: Period: per_transaction; Spend: 200 • Merchants: metro-tonkotsu-base • Eligible merchants: metro-tonkotsu-base • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: metro tonkotsu base · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 10% discount after the merchant's HKD200 net spend threshold.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies to Hong Kong branches from Monday to Thursday except public holidays, for dine-in spending of at least HKD200 before service charge. Full enJoy Card payment and the source exclusions apply.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • Minimum spend: Period: per_transaction; Spend: 90 • Merchants: uo-show • Eligible merchants: uo-show • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer applies to walk-in takeaway orders from Monday to Thursday except public holidays after net spending of at least HKD90; third-party takeaway platforms and listed coupons or discounts are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: uo show · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$90.00
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer applies to walk-in takeaway orders from Monday to Thursday except public holidays after net spending of at least HKD90; third-party takeaway platforms and listed coupons or discounts are excluded.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • Merchants: maxims-mx • Eligible merchants: maxims-mx • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Monday to Thursday except public holidays; physical enJoy Card payment is required and HKIA MX and listed products are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims mx · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Monday to Thursday except public holidays; physical enJoy Card payment is required and HKIA MX and listed products are excluded.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • Merchants: maxims-food2 • Eligible merchants: maxims-food2 • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Monday to Thursday except public holidays; physical enJoy Card payment is required and listed products are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims food2 · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Monday to Thursday except public holidays; physical enJoy Card payment is required and listed products are excluded.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • Merchants: canteen • Eligible merchants: canteen • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Monday to Thursday except public holidays; physical enJoy Card payment is required and HKIA can•teen and listed products are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: canteen · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Monday to Thursday except public holidays; physical enJoy Card payment is required and HKIA can•teen and listed products are excluded.
• Year-round merchant offer: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • Merchants: deli-o • Eligible merchants: deli-o • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Monday to Thursday except public holidays; physical enJoy Card payment is required and listed products are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: deli o · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Monday to Thursday except public holidays; physical enJoy Card payment is required and listed products are excluded.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • The source states the numeric discount; the price condition remains in constraints. • Merchants: maxims-cakes, maxims-on-site-bakery • Eligible merchants: maxims-cakes, maxims-on-site-bakery • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Cakes above HKD128 at retail price qualify. • Hong Kong outlet, payment, stock and cancellation restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims cakes / maxims on site bakery · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the numeric discount; the price condition remains in constraints.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Cakes above HKD128 at retail price qualify.
• Hong Kong outlet, payment, stock and cancellation restrictions apply.
• Maxim's Cakes and Maxim's On-Site Bakery promotional period: 2025-10-01 – 2026-12-31

Category or merchant does not match. • The source states the numeric discount; the price condition remains in constraints. • Merchants: urban • Eligible merchants: urban • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Products above HKD250 at retail price qualify. • Hong Kong outlet, payment, stock and cancellation restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: urban · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the numeric discount; the price condition remains in constraints.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Products above HKD250 at retail price qualify.
• Hong Kong outlet, payment, stock and cancellation restrictions apply.
• URBAN Café Commune promotional period: 2025-10-01 – 2026-12-31

Category or merchant does not match. • The source states the numeric discount; the price condition remains in constraints. • Merchants: paper-stone-bakery • Eligible merchants: paper-stone-bakery • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Cakes or desserts above HKD200 at retail price qualify. • Hong Kong outlet, payment, stock and cancellation restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: paper stone bakery · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the numeric discount; the price condition remains in constraints.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Cakes or desserts above HKD200 at retail price qualify.
• Hong Kong outlet, payment, stock and cancellation restrictions apply.
• Paper Stone Bakery promotional period: 2025-10-01 – 2026-12-31

Category or merchant does not match. • The source states the numeric discount; the price condition remains in constraints. • Merchants: homebake • Eligible merchants: homebake • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Products above HKD300 at retail price qualify. • Hong Kong outlet, payment, stock and cancellation restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: homebake · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the numeric discount; the price condition remains in constraints.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Products above HKD300 at retail price qualify.
• Hong Kong outlet, payment, stock and cancellation restrictions apply.
• Homebake promotional period: 2025-10-01 – 2026-12-31

Category or merchant does not match. • The source states the 10% whole-cake tier. • Minimum spend: Period: per_transaction; Spend: 239 • Merchants: arome-bakery • Eligible merchants: arome-bakery • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Arome stores and online ordering in Hong Kong are eligible; the source-listed cake vouchers, cash coupons, discounts and promotions cannot be combined.

• Eligibility: Audience: all
• Eligible spending: Applies to: arome bakery · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$239.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 10% whole cake tier.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Arome stores and online ordering in Hong Kong are eligible; the source-listed cake vouchers, cash coupons, discounts and promotions cannot be combined.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • The source states the 5% whole-cake tier. • Eligibility: Transaction Spend Below: 239 • Merchants: arome-bakery • Eligible merchants: arome-bakery • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Arome stores and online ordering in Hong Kong are eligible; the source-listed cake vouchers, cash coupons, discounts and promotions cannot be combined.

• Eligibility: Audience: all
• Eligible spending: Applies to: arome bakery · Type: merchant
• Requirements: Transaction Spend Below Cents: HK$239.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 5% whole cake tier.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Arome stores and online ordering in Hong Kong are eligible; the source-listed cake vouchers, cash coupons, discounts and promotions cannot be combined.
• Year-round merchant offer: Now – 2026-12-31

Purchase is below the minimum spend. • The source states 5% off on HKD400 or more dine-in spending. • Minimum spend: Period: per_transaction; Spend: 400 • Merchants: cova • Eligible merchants: cova • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer is once per transaction for dine-in spending of at least HKD400 at COVA Ristorante & Caffe in Hong Kong, excluding service charge, retail shops, large banquets and catering. The source-listed dates are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: cova · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$400.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states 5% off on HKD400 or more dine in spending.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer is once per transaction for dine-in spending of at least HKD400 at COVA Ristorante & Caffe in Hong Kong, excluding service charge, retail shops, large banquets and catering. The source-listed dates are excluded.
• Year-round merchant offer: Now – 2026-12-31

Category or merchant does not match. • Merchants: simplylife-bakery-cafe • Eligible merchants: simplylife-bakery-cafe • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners on the source-stated weekday schedule from 1 October 2025 to 31 December 2026; one use per table and listed date, food and party restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: simplylife bakery cafe · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners on the source-stated weekday schedule from 1 October 2025 to 31 December 2026; one use per table and listed date, food and party restrictions apply.
• simplylife BAKERY CAFÉ offer period: 2025-10-01 – 2026-12-31

Category or merchant does not match. • Merchants: simplylife-foodplace • Eligible merchants: simplylife-foodplace • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Monday to Thursday; source-listed excluded dates and food, party and no-combination restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: simplylife foodplace · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Monday to Thursday; source-listed excluded dates and food, party and no-combination restrictions apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: kikusan • Eligible merchants: kikusan • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: kikusan · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Application, registration or activation required. See conditions. • Merchants: andyou-andbtr • Eligible merchants: andyou-andbtr • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Monday to Thursday; physical enJoy Card payment and informing staff are required; mobile ordering, third-party takeaway and delivery are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: andyou andbtr · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Monday to Thursday; physical enJoy Card payment and informing staff are required; mobile ordering, third-party takeaway and delivery are excluded.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: thai-basil • Eligible merchants: thai-basil • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: thai basil · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: exp • Eligible merchants: exp • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: exp · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: minh-kok • Eligible merchants: minh-kok • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: minh kok · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Monday to Thursday; source-listed excluded dates, service charge and no-combination restrictions apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: chapter • Eligible merchants: chapter • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Saturday to Wednesday from 1 October 2025 to 31 December 2026; source-listed excluded dates and food restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: chapter · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Saturday to Wednesday from 1 October 2025 to 31 December 2026; source-listed excluded dates and food restrictions apply.
• chapter offer period: 2025-10-01 – 2026-12-31

Category or merchant does not match. • Minimum spend: Period: per_transaction; Spend: 200 • Merchants: hong-kong-day • Eligible merchants: hong-kong-day • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in and takeaway at Hong Kong Day stores including Port Spot require spending of at least HKD200; listed products, platforms and no-combination restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: hong kong day · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in and takeaway at Hong Kong Day stores including Port Spot require spending of at least HKD200; listed products, platforms and no-combination restrictions apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: muses • Eligible merchants: muses • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • One use per bill; delivery and source-listed products, platforms and no-combination restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: muses · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• One use per bill; delivery and source-listed products, platforms and no-combination restrictions apply.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: wildfire-pizzabar • Eligible merchants: wildfire-pizzabar • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in dinners Monday to Thursday from 1 October 2025 to 31 December 2026; source-listed excluded dates and food restrictions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: wildfire pizzabar · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in dinners Monday to Thursday from 1 October 2025 to 31 December 2026; source-listed excluded dates and food restrictions apply.
• Wildfire Pizzabar offer period: 2025-10-01 – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • Merchants: cheesecake-factory • Eligible merchants: cheesecake-factory • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Dine-in and takeout Monday to Thursday except public holidays; full eligible enJoy Card payment is required and third-party delivery is excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: cheesecake factory · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Dine-in and takeout Monday to Thursday except public holidays; full eligible enJoy Card payment is required and third-party delivery is excluded.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: shake-shack • Eligible merchants: shake-shack • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The offer is available from 1 October 2025 to 31 December 2026; cashier payment is required and online, kiosk and third-party platforms are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: shake shack · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The offer is available from 1 October 2025 to 31 December 2026; cashier payment is required and online, kiosk and third-party platforms are excluded.
• Shake Shack offer period: 2025-10-01 – 2026-12-31

Category or merchant does not match. • Limit: 1 items · Per Transaction • Limit applies to: One handcrafted beverage upgrade • Minimum spend: Period: per_transaction; Spend: 300 • Merchants: starbucks • Eligible merchants: starbucks • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • Load HKD300 or more to a registered Starbucks Card at a Hong Kong Starbucks store and pay the full reload with the enJoy Card. The upgrade is for one beverage, requires registered-card payment and immediate in-store redemption; source-listed stores are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: starbucks · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$300.00
• Benefit limit: Amount: 1 · Applies to: One handcrafted beverage upgrade · Period: per transaction · Type: limited · Unit: items
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• Load HKD300 or more to a registered Starbucks Card at a Hong Kong Starbucks store and pay the full reload with the enJoy Card. The upgrade is for one beverage, requires registered-card payment and immediate in-store redemption; source-listed stores are excluded.
• Year-round merchant offer: Now – 2026-12-31

The offer is not available on the snapshot weekday or date. • Limit: 1 items · Per Transaction • Limit applies to: One complimentary handcrafted beverage • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 100 • Merchants: starbucks • Eligible merchants: starbucks • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • On Sundays, net spending of at least HKD100 on eligible handcrafted beverages or food at designated Hong Kong Starbucks stores qualifies. yuu membership verification and linking with Starbucks Rewards are required. The source-listed products, channels and store exclusions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: starbucks · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$100.00
• Benefit limit: Amount: 1 · Applies to: One complimentary handcrafted beverage · Period: per transaction · Type: limited · Unit: items
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• On Sundays, net spending of at least HKD100 on eligible handcrafted beverages or food at designated Hong Kong Starbucks stores qualifies. yuu membership verification and linking with Starbucks Rewards are required. The source-listed products, channels and store exclusions apply.
• Starbucks HKD100 Sunday offer period: 2025-10-01 – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: cafe-landmark • Eligible merchants: cafe-landmark • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The source states dine-in à la carte dinner scope, service-charge rules, once-per-table use and exclusions but no numeric discount rate.

• Eligibility: Audience: all
• Eligible spending: Applies to: cafe landmark · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The source states dine-in à la carte dinner scope, service-charge rules, once-per-table use and exclusions but no numeric discount rate.
• Year-round merchant offer: Now – 2026-12-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • Merchants: lawrys-the-prime-rib • Eligible merchants: lawrys-the-prime-rib • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The source states dine-in à la carte or dinner-set-for-two scope, service-charge rules, once-per-table use and exclusions but no numeric discount rate.

• Eligibility: Audience: all
• Eligible spending: Applies to: lawrys the prime rib · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The source states dine-in à la carte or dinner-set-for-two scope, service-charge rules, once-per-table use and exclusions but no numeric discount rate.
• Year-round merchant offer: Now – 2026-12-31

The offer is not available on the snapshot weekday or date. • The source states the 40% diner tier. • Application, registration or activation required. See conditions. • Merchants: maxims-chinese-cuisine • Eligible merchants: maxims-chinese-cuisine • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets. • The offer is for dine-in à la carte food after 6:00 pm on Thursdays and requires a yuu ID plus full one-payment enJoy Card settlement. Beverage, wine, tea, hotpot, set-menu, festive, discounted-item, private-room, VIP-room, banquet, date and no-combination exclusions apply. • The diner limit for this tier is 2 diners.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims chinese cuisine · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 40% diner tier.
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets.
• The offer is for dine-in à la carte food after 6:00 pm on Thursdays and requires a yuu ID plus full one-payment enJoy Card settlement. Beverage, wine, tea, hotpot, set-menu, festive, discounted-item, private-room, VIP-room, banquet, date and no-combination exclusions apply.
• The diner limit for this tier is 2 diners.
• Maxim's Chinese Cuisine Thursday exclusive offer period: 2025-10-02 – 2026-12-17

The offer is not available on the snapshot weekday or date. • The source states the 23% diner tier. • Application, registration or activation required. See conditions. • Merchants: maxims-chinese-cuisine • Eligible merchants: maxims-chinese-cuisine • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets. • The offer is for dine-in à la carte food after 6:00 pm on Thursdays and requires a yuu ID plus full one-payment enJoy Card settlement. Beverage, wine, tea, hotpot, set-menu, festive, discounted-item, private-room, VIP-room, banquet, date and no-combination exclusions apply. • The diner limit for this tier is 3 diners.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims chinese cuisine · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 23% diner tier.
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets.
• The offer is for dine-in à la carte food after 6:00 pm on Thursdays and requires a yuu ID plus full one-payment enJoy Card settlement. Beverage, wine, tea, hotpot, set-menu, festive, discounted-item, private-room, VIP-room, banquet, date and no-combination exclusions apply.
• The diner limit for this tier is 3 diners.
• Maxim's Chinese Cuisine Thursday exclusive offer period: 2025-10-02 – 2026-12-17

The offer is not available on the snapshot weekday or date. • The source states the 15% diner tier. • Application, registration or activation required. See conditions. • Merchants: maxims-chinese-cuisine • Eligible merchants: maxims-chinese-cuisine • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets. • The offer is for dine-in à la carte food after 6:00 pm on Thursdays and requires a yuu ID plus full one-payment enJoy Card settlement. Beverage, wine, tea, hotpot, set-menu, festive, discounted-item, private-room, VIP-room, banquet, date and no-combination exclusions apply. • The diner limit for this tier is 4 to 12 diners.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims chinese cuisine · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the 15% diner tier.
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets.
• The offer is for dine-in à la carte food after 6:00 pm on Thursdays and requires a yuu ID plus full one-payment enJoy Card settlement. Beverage, wine, tea, hotpot, set-menu, festive, discounted-item, private-room, VIP-room, banquet, date and no-combination exclusions apply.
• The diner limit for this tier is 4 to 12 diners.
• Maxim's Chinese Cuisine Thursday exclusive offer period: 2025-10-02 – 2026-12-17

The offer is not available on the snapshot weekday or date. • The source states the designated dinner set menu is offered at 50% off. • Application, registration or activation required. See conditions. • Merchants: maxims-chinese-cuisine • Eligible merchants: maxims-chinese-cuisine • Unless otherwise specified, the year-round offer is valid until 31 December 2026. • Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card. • Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice. • The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets. • The offer is after 6:00 pm every Friday, Saturday and Sunday for one table of 2 to 4 diners. Designated menu stock, service charge, yuu ID, full payment, excluded dates and no-combination rules apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: maxims chinese cuisine · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states the designated dinner set menu is offered at 50% off.
• Application or registration is required.
• Unless otherwise specified, the year-round offer is valid until 31 December 2026.
• Unless otherwise specified, the customer must present the enJoy Card before ordering or purchase and settle the full payment with the enJoy Card.
• Offers normally apply to standard-price items and cannot be combined with other offers, coupons, cash coupons, membership benefits or storewide discounts; stock and merchant terms can change without prior notice.
• The designated outlets are the source-listed Maxim's Palace, Jade Garden except Plaza Inn, Jasmine, Serenade, The Square, Chiu Chow Garden, Chiu Chow Garden Restaurant, Peking Garden, Shanghai Garden, M&C Duck and Duck Victoria outlets.
• The offer is after 6:00 pm every Friday, Saturday and Sunday for one table of 2 to 4 diners. Designated menu stock, service charge, yuu ID, full payment, excluded dates and no-combination rules apply.
• Maxim's Chinese Cuisine Friday to Sunday offer period: 2025-10-03 – 2026-12-31

Category or merchant does not match. • The source states a fixed HK$100 discount, not a percentage. • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 800.01 • Merchants: klook • Eligible merchants: klook • The customer must be a Klook member and enter promo code BOCTB26TTA before payment on the Klook website or mobile application. • Offer 1 applies on spending over HK$800 on Global Attractions and Theme Parks; the single net spending amount is based on products only and excludes taxes. • Each user can use Offer 1 once per month while quota lasts. The monthly quota is released on the first day of each month at 00:00; the total quota is 3,558 and phases are first-come-first-served, not cumulative. • Offer 1 does not apply to related products of Universal Studio Japan, Japan Rail Pass, or designated activities specified by Klook. • The offer cannot be exchanged for cash, other products, services, offers or discounts, or combined with other special promotions, discounts or coupons. It is not valid for existing bookings. • Eligible payment must be full payment with the Eligible Credit Card. Cancelled, refunded, unposted, falsified, unauthorised, autopay, instalment, bill-payment, third-party or e-wallet transactions are excluded, including Apple Pay, Google Pay, Samsung Pay, Alipay HK, Octopus, WeChat Pay, PayPal and PayMe. • The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied. • Fraud or abuse can cancel eligibility. The Company or Klook may amend, suspend or cancel the program. • The product page summarises the Klook benefit as up to 20% off; the local terms specify this offer as a fixed HK$100 discount, so no additional percentage reward is counted.

• Eligibility: Audience: all
• Eligible spending: Applies to: klook · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$800.01
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed HK$100 discount, not a percentage.
• Application or registration is required.
• The customer must be a Klook member and enter promo code BOCTB26TTA before payment on the Klook website or mobile application.
• Offer 1 applies on spending over HK$800 on Global Attractions and Theme Parks; the single net spending amount is based on products only and excludes taxes.
• Each user can use Offer 1 once per month while quota lasts. The monthly quota is released on the first day of each month at 00:00; the total quota is 3,558 and phases are first-come-first-served, not cumulative.
• Offer 1 does not apply to related products of Universal Studio Japan, Japan Rail Pass, or designated activities specified by Klook.
• The offer cannot be exchanged for cash, other products, services, offers or discounts, or combined with other special promotions, discounts or coupons. It is not valid for existing bookings.
• Eligible payment must be full payment with the Eligible Credit Card. Cancelled, refunded, unposted, falsified, unauthorised, autopay, instalment, bill-payment, third-party or e-wallet transactions are excluded, including Apple Pay, Google Pay, Samsung Pay, Alipay HK, Octopus, WeChat Pay, PayPal and PayMe.
• The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied.
• Fraud or abuse can cancel eligibility. The Company or Klook may amend, suspend or cancel the program.
• The product page summarises the Klook benefit as up to 20% off; the local terms specify this offer as a fixed HK$100 discount, so no additional percentage reward is counted.
• transaction date during Promotion Period: 2026-07-01 – 2026-12-31

The offer is not available on the snapshot weekday or date. • The source states a fixed HK$200 discount, not a percentage. • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 1000.01 • Merchants: klook • Eligible merchants: klook • The customer must be a Klook member and enter promo code BOCTB26HT before payment on the Klook website or mobile application. • Offer 2 applies on spending over HK$1,000 on Global Hotel and Staycation Package; the single net spending amount is based on products only and excludes taxes. • Each user can use Offer 2 once per month while quota lasts. The weekly quota is released every Monday at 12:00 noon; the total quota is 720 and phases are first-come-first-served, not cumulative. • The offer cannot be exchanged for cash, other products, services, offers or discounts, or combined with other special promotions, discounts or coupons. It is not valid for existing bookings. • Eligible payment must be full payment with the Eligible Credit Card. Cancelled, refunded, unposted, falsified, unauthorised, autopay, instalment, bill-payment, third-party or e-wallet transactions are excluded, including Apple Pay, Google Pay, Samsung Pay, Alipay HK, Octopus, WeChat Pay, PayPal and PayMe. • The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied. • Fraud or abuse can cancel eligibility. The Company or Klook may amend, suspend or cancel the program. • The product page summarises the Klook benefit as up to 20% off; the local terms specify this offer as a fixed HK$200 discount, so no additional percentage reward is counted.

• Eligibility: Audience: all
• Eligible spending: Applies to: klook · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$1,000.01
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed HK$200 discount, not a percentage.
• Application or registration is required.
• The customer must be a Klook member and enter promo code BOCTB26HT before payment on the Klook website or mobile application.
• Offer 2 applies on spending over HK$1,000 on Global Hotel and Staycation Package; the single net spending amount is based on products only and excludes taxes.
• Each user can use Offer 2 once per month while quota lasts. The weekly quota is released every Monday at 12:00 noon; the total quota is 720 and phases are first-come-first-served, not cumulative.
• The offer cannot be exchanged for cash, other products, services, offers or discounts, or combined with other special promotions, discounts or coupons. It is not valid for existing bookings.
• Eligible payment must be full payment with the Eligible Credit Card. Cancelled, refunded, unposted, falsified, unauthorised, autopay, instalment, bill-payment, third-party or e-wallet transactions are excluded, including Apple Pay, Google Pay, Samsung Pay, Alipay HK, Octopus, WeChat Pay, PayPal and PayMe.
• The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied.
• Fraud or abuse can cancel eligibility. The Company or Klook may amend, suspend or cancel the program.
• The product page summarises the Klook benefit as up to 20% off; the local terms specify this offer as a fixed HK$200 discount, so no additional percentage reward is counted.
• transaction date during Promotion Period: 2026-07-01 – 2026-12-31

Category or merchant does not match. • The source states a 0% handling fee. • Eligibility: One of: Payment Methods: alipayhk-app OR Payment Methods: taobao-mobile-app OR Payment Methods: taobao-non-alipayhk-new-credit-card • Merchants: taobao • Eligible merchants: taobao • The offer applies to purchases at Taobao using the BOC Taobao World Mastercard as the main card; the Currency Setting must be HKD. • Payment may be made with the card via AlipayHK App on Taobao (world.taobao.com), or with the card via AlipayHK App on the Taobao Mobile App. Under the non-AlipayHK Add a New Credit Card channel, Taobao charges the handling fee first and credits the related fee as cash rebate within two months after the transaction. • The AlipayHK method waives the Taobao handling fee instantly. There is no limit on the number of waivers during the Promotion Period. • The offer is not applicable to orders with Taobao handling fee below HK$0.1, non-Mobile App payments, Xianyu orders, non-physical goods such as virtual currency or call charge cards, or categories unsupported by Taobao rules. • The cash rebate cannot be exchanged for cash or gifts, refunded or transferred, and cannot be used for cash advance, financial charges or previous outstanding balances. • The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied. • Abuse or fraud can cancel eligibility and allow the Company to debit the waiver value. Transactions remain subject to Taobao and AlipayHK rules; the platform identifies applicability. • The product page gives HK$540 per year only as an example for HK$3,000 monthly Taobao spending; it is not a stated cap.

• Eligibility: Audience: all
• Eligible spending: Applies to: taobao · Type: merchant
• Requirements: Pay with: alipayhk app or Pay with: taobao mobile app or Pay with: taobao non alipayhk new credit card
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 0% handling fee.
• The offer applies to purchases at Taobao using the BOC Taobao World Mastercard as the main card; the Currency Setting must be HKD.
• Payment may be made with the card via AlipayHK App on Taobao (world.taobao.com), or with the card via AlipayHK App on the Taobao Mobile App. Under the non-AlipayHK Add a New Credit Card channel, Taobao charges the handling fee first and credits the related fee as cash rebate within two months after the transaction.
• The AlipayHK method waives the Taobao handling fee instantly. There is no limit on the number of waivers during the Promotion Period.
• The offer is not applicable to orders with Taobao handling fee below HK$0.1, non-Mobile App payments, Xianyu orders, non-physical goods such as virtual currency or call charge cards, or categories unsupported by Taobao rules.
• The cash rebate cannot be exchanged for cash or gifts, refunded or transferred, and cannot be used for cash advance, financial charges or previous outstanding balances.
• The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied.
• Abuse or fraud can cancel eligibility and allow the Company to debit the waiver value. Transactions remain subject to Taobao and AlipayHK rules; the platform identifies applicability.
• The product page gives HK$540 per year only as an example for HK$3,000 monthly Taobao spending; it is not a stated cap.
• transaction date during Promotion Period: Now – 2026-12-31

Category or merchant does not match. • The source states a 0% overseas spending handling fee. • Eligible categories: 海外簽賬 • The offer applies to eligible retail purchases at overseas physical or online merchants using the BOC Taobao World Mastercard, including the main and additional cards. • Eligible Overseas Spending requires original sales slips or official payment records and is defined by the country codes issued by Mastercard Asia/Pacific (Hong Kong). There is no limit on the number of waivers during the Promotion Period. • The offer cannot be exchanged for cash, other products, returned or transferred. • The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied. • Abuse or fraud can cancel eligibility and allow the Company to debit the waiver value.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 0% overseas spending handling fee.
• The offer applies to eligible retail purchases at overseas physical or online merchants using the BOC Taobao World Mastercard, including the main and additional cards.
• Eligible Overseas Spending requires original sales slips or official payment records and is defined by the country codes issued by Mastercard Asia/Pacific (Hong Kong). There is no limit on the number of waivers during the Promotion Period.
• The offer cannot be exchanged for cash, other products, returned or transferred.
• The BOC Taobao World Mastercard account must be valid, normal and in good standing when the offer is applied.
• Abuse or fraud can cancel eligibility and allow the Company to debit the waiver value.
• transaction date during Promotion Period: Now – 2026-12-31

Whole-dollar rebate rounding requires the statement total or an explicit per-transaction basis. • Customer: New customer • Limit: 300 HKD · Promotion Total • Limit applies to: each card account during its Spending Period • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: apple-pay; huawei-pay; google-pay; samsung-pay; unionpay-app-qr-code • Eligible categories: 手機支付 • Only an applicant whose BOC Taobao World Mastercard application is approved during the Promotion Period is eligible. The card must be activated and the customer must complete eligible spending in the first month and the following two calendar months after card issuance. • The maximum rebate is HK$300 per card account for the Spending Period; main and additional or supplementary card transactions are combined. • Eligible transactions are retail transactions made through Apple Pay, Huawei Pay, Google Pay, Samsung Pay or QR Code Payment in the UnionPay App. Only eligible transactions posted within seven days of the transaction date count; HKD and RMB are combined and RMB1 is counted as HK$1. • The offer excludes existing main BOC Credit Card or BOC Dual Currency Credit Card holders, recent former cardholders within 12 months, Bank of China (Hong Kong) staff, and the card types listed as excluded in the terms. • Ineligible transactions include cash advances, fees, online bill payments, payments through designated online payment systems such as PayPal or Alipay, tax, mail or telephone orders, casino transactions, Octopus Add Value, financial institution transactions, cryptocurrency, wire transfer, stored-value or gift-card and e-wallet purchase or reload, Alipay, WeChat Pay, PayMe, BoC Pay+, P2P transfers, and cancelled, refunded or unauthorised transactions. • The rebate is rounded to the nearest dollar and credited to the main card account within the following four calendar months after the card issuance month. The rewarded account must remain normal, valid and in good credit condition. • If more than one Welcome Offer is redeemed, a qualifying transaction is refunded or cancelled, or the main account is cancelled within 12 months of issuance, the Company may debit the Welcome Offer value. The Company may change, suspend or terminate the offer. • The source page summarises the offer as 10% rebate through Apple Pay, Google Pay and Samsung Pay; the formal terms also state Huawei Pay and UnionPay App QR Code Payment.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: 手機支付 · Type: category
• Requirements: Pay with: apple pay / huawei pay / google pay / samsung pay / unionpay app qr code
• Benefit limit: Amount: 300 · Applies to: each card account during its Spending Period · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• Only an applicant whose BOC Taobao World Mastercard application is approved during the Promotion Period is eligible. The card must be activated and the customer must complete eligible spending in the first month and the following two calendar months after card issuance.
• The maximum rebate is HK$300 per card account for the Spending Period; main and additional or supplementary card transactions are combined.
• Eligible transactions are retail transactions made through Apple Pay, Huawei Pay, Google Pay, Samsung Pay or QR Code Payment in the UnionPay App. Only eligible transactions posted within seven days of the transaction date count; HKD and RMB are combined and RMB1 is counted as HK$1.
• The offer excludes existing main BOC Credit Card or BOC Dual Currency Credit Card holders, recent former cardholders within 12 months, Bank of China (Hong Kong) staff, and the card types listed as excluded in the terms.
• Ineligible transactions include cash advances, fees, online bill payments, payments through designated online payment systems such as PayPal or Alipay, tax, mail or telephone orders, casino transactions, Octopus Add Value, financial institution transactions, cryptocurrency, wire transfer, stored-value or gift-card and e-wallet purchase or reload, Alipay, WeChat Pay, PayMe, BoC Pay+, P2P transfers, and cancelled, refunded or unauthorised transactions.
• The rebate is rounded to the nearest dollar and credited to the main card account within the following four calendar months after the card issuance month. The rewarded account must remain normal, valid and in good credit condition.
• If more than one Welcome Offer is redeemed, a qualifying transaction is refunded or cancelled, or the main account is cancelled within 12 months of issuance, the Company may debit the Welcome Offer value. The Company may change, suspend or terminate the offer.
• The source page summarises the offer as 10% rebate through Apple Pay, Google Pay and Samsung Pay; the formal terms also state Huawei Pay and UnionPay App QR Code Payment.
• Eligible Credit Card application approved during Promotion Period: Now – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • The local sources do not state a numeric rebate rate or a fixed cap. • Application, registration or activation required. See conditions. • Eligible categories: 網上購物 • The cardholder can earn cashback through Mastercard Travel Rewards for online purchases at participating local and overseas shopping brands; the page describes over hundreds of brands. • The Eligible Card must be enrolled in the Mastercard Travel Rewards Program, the cardholder must settle full payment with it, use the specified currency and satisfy each participating merchant’s conditions. • The applicable merchant list, offer details and conditions are published on the Mastercard Travel Rewards website and can change without notice. No complete local merchant list or rate is provided in the source folder. • Mastercard provides the program. BOCHK and the Company are not the provider of participating merchant products or the third-party website and accept the stated third-party and product liability limits. The cardholder is responsible for data charges and consents to the stated data processing. • Mastercard, the Company and participating merchants may amend, suspend or terminate the program; disputes are handled under the stated terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: 網上購物 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The local sources do not state a numeric rebate rate or a fixed cap.
• Application or registration is required.
• The complete list of eligible merchants is not available.
• The cardholder can earn cashback through Mastercard Travel Rewards for online purchases at participating local and overseas shopping brands; the page describes over hundreds of brands.
• The Eligible Card must be enrolled in the Mastercard Travel Rewards Program, the cardholder must settle full payment with it, use the specified currency and satisfy each participating merchant’s conditions.
• The applicable merchant list, offer details and conditions are published on the Mastercard Travel Rewards website and can change without notice. No complete local merchant list or rate is provided in the source folder.
• Mastercard provides the program. BOCHK and the Company are not the provider of participating merchant products or the third-party website and accept the stated third-party and product liability limits. The cardholder is responsible for data charges and consents to the stated data processing.
• Mastercard, the Company and participating merchants may amend, suspend or terminate the program; disputes are handled under the stated terms.

Category or merchant does not match. • The source states a protection amount, not a spending percentage. • Limit: 200 USD • Limit applies to: online purchase protection • Eligible categories: 網上購物 • Coverage includes incomplete delivery or a wrong item, physical damage causing improper function, and non-delivery after 30 days from the scheduled delivery. • The offer is provided by Mastercard and is subject to the related terms. Insurance is provided by AIG Asia Pacific Insurance Pte. Ltd.; BOCHK and the Company are not the insurance service provider and accept the stated liability limits. • Mastercard and AIG may amend the insurance terms; coverage is subject to the applicable policy and dispute terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: 網上購物 · Type: category
• Benefit limit: Amount: 200 · Applies to: online purchase protection · Currency: USD · Period: not stated · Type: limited · Unit: currency
• Percentage note: The source states a protection amount, not a spending percentage.
• Coverage includes incomplete delivery or a wrong item, physical damage causing improper function, and non-delivery after 30 days from the scheduled delivery.
• The offer is provided by Mastercard and is subject to the related terms. Insurance is provided by AIG Asia Pacific Insurance Pte. Ltd.; BOCHK and the Company are not the insurance service provider and accept the stated liability limits.
• Mastercard and AIG may amend the insurance terms; coverage is subject to the applicable policy and dispute terms.

This benefit does not apply to a purchase. • The source does not state a numeric coverage amount or spending percentage. • Application, registration or activation required. See conditions. • The cardholder must pay the entire cost of Common Carrier tickets with the eligible card and complete the Benefit registration process before the trip starts. • The cardholder and family may receive overseas medical coverage. Medical and Repatriation Emergency services may be requested for sickness or accidental injury, subject to coverage limits and terms and conditions. • The source does not state the monetary limits of coverage. The insurance service provider and applicable policy terms govern the service.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source does not state a numeric coverage amount or spending percentage.
• Application or registration is required.
• The cardholder must pay the entire cost of Common Carrier tickets with the eligible card and complete the Benefit registration process before the trip starts.
• The cardholder and family may receive overseas medical coverage. Medical and Repatriation Emergency services may be requested for sickness or accidental injury, subject to coverage limits and terms and conditions.
• The source does not state the monetary limits of coverage. The insurance service provider and applicable policy terms govern the service.

This benefit does not apply to a purchase. • The source does not state a numeric rate or cap. • The source describes a broad travel offer from hotel accommodation reservation to limousine service and states that the offer is subject to relevant terms and conditions. The linked external details are not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source does not state a numeric rate or cap.
• The source describes a broad travel offer from hotel accommodation reservation to limousine service and states that the offer is subject to relevant terms and conditions. The linked external details are not used as evidence.

This benefit does not apply to a purchase. • The source does not state a numeric rate or cap. • The personal concierge service includes travel planning, flight and accommodation reservation, restaurant booking, car rental and performance show ticket booking. The service is subject to relevant terms and conditions.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source does not state a numeric rate or cap.
• The personal concierge service includes travel planning, flight and accommodation reservation, restaurant booking, car rental and performance show ticket booking. The service is subject to relevant terms and conditions.

This benefit does not apply to a purchase. • The source does not state a numeric rate or cap. • The source describes offers covering travel, dining, shopping, personal concierge service and entertainment. The offers are provided by Mastercard, are subject to related terms, and may be changed, suspended or terminated by the Company, Mastercard or merchants.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source does not state a numeric rate or cap.
• The source describes offers covering travel, dining, shopping, personal concierge service and entertainment. The offers are provided by Mastercard, are subject to related terms, and may be changed, suspended or terminated by the Company, Mastercard or merchants.

No usable purchase percentage; threshold comparison rates are not flat rewards. • The source states a points earning rate but no defensible cash-equivalent percentage. • Applies to all eligible spending, subject to the conditions. • The page states that Gift Points can be redeemed from a wide range of rewards. Redemption details are in the linked Gift Point Rewards Program and are not used as local evidence.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a points earning rate but no defensible cash equivalent percentage.
• The page states that Gift Points can be redeemed from a wide range of rewards. Redemption details are in the linked Gift Point Rewards Program and are not used as local evidence.

This benefit does not apply to a purchase. • The source describes a card feature, not a spending percentage. • Where Mastercard contactless is accepted, the cardholder can tap to settle a transaction of HK$1,000 or below without signature verification.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source describes a card feature, not a spending percentage.
• Where Mastercard contactless is accepted, the cardholder can tap to settle a transaction of HK$1,000 or below without signature verification.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

No comparable purchase saving is specified for this benefit type. • The source states a 10% discount or waiver directly. • Merchants: nan-yuan • Eligible merchants: nan-yuan • The offer is stated for eligible Hong Kong Baptist University Credit Card customers. • The local source does not state a separate validity period or a monetary cap. Customers should check the latest offer with the merchant before transacting.

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

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

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

Category or merchant does not match. • The source states a 20% short-course tuition discount directly. • Application, registration or activation required. See conditions. • Merchants: school-of-continuing-education-hong-kong-baptist-university • Eligible merchants: school-of-continuing-education-hong-kong-baptist-university • The product page states 20% off tuition fees for short courses of School of Continuing Education of Hong Kong Baptist University. • The named school is the eligible service provider. The local source does not state a separate validity period or a monetary cap; customers should check the latest offer before enrolling.

• Eligibility: Audience: all
• Eligible spending: Applies to: school of continuing education hong kong baptist university · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a 20% short course tuition discount directly.
• Application or registration is required.
• The product page states 20% off tuition fees for short courses of School of Continuing Education of Hong Kong Baptist University.
• The named school is the eligible service provider. The local source does not state a separate validity period or a monetary cap; customers should check the latest offer before enrolling.

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

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

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

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

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

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

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

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

Category or merchant does not match. • Cash-equivalent calculation: 3 bonus Clubpoints per HK$20; the stated current conversion is 5 Clubpoints = HK$1 for selected HKT and Club Shopping e-Cash Vouchers. 3 × HK$0.20 = HK$0.60; HK$0.60 / HK$20 × 100 = 3%. No rounding is required. The source cap is 1,500 Clubpoints per statement cycle; 1,500 × HK$0.20 = HK$300. The conversion ratio may change; Clubpoints are not cash. • Limit: 300 HKD · Per Statement Period • Limit applies to: Bonus Clubpoints across the Designated Merchants listed in merchants.pdf • Eligible merchants: bestarfilm-cinemas, broadway-circuit, cafe-togather-by-log-on, cinema-city, circle-k, city-super, city-super-neighbourhood, hair-corner, hyatt-regency-hong-kong-sha-tin, hyatt-regency-hong-kong-tsim-sha-tsui, jpaw-hair-salon-tsim-sha-tsui, klook, lei-garden, lobby-by-hair-corner-apm, lobby-by-hair-corner-the-wai, log-on, mcdonalds, mcl-cinemas, pinkoi, quality-healthcare-medical-services, royce, saloon-kowloon-tong, saloon-roarguns-pacific-place, smart-charge, so-sweet-kids-salon-tsim-sha-tsui, starbucks, vita-green • The source states 3 bonus Clubpoints for each HK$20 at Designated Merchants, in addition to the 1% Basic Clubpoint Program. The combined headline is up to 4%; this offer records only the 3% bonus component. • A maximum of 1,500 bonus Clubpoints per principal cardholder's The Club account applies per statement cycle. Online and local non-online transaction eligibility varies by merchant as shown in merchants.pdf. Third-party payment methods, including Alipay, PayPal, and WeChat Pay, are excluded unless the merchant listing states otherwise. • The cardholder must keep a valid linked The Club membership account. The merchant list gives each merchant's own promotion dates and eligible transaction channels.

• Eligibility: Audience: all
• Eligible spending: Applies to: bestarfilm cinemas / broadway circuit / cafe togather by log on / cinema city / circle k / city super / city super neighbourhood / hair corner / hyatt regency hong kong sha tin / hyatt regency hong kong tsim sha tsui / jpaw hair salon tsim sha tsui / klook / lei garden / lobby by hair corner apm / lobby by hair corner the wai / log on / mcdonalds / mcl cinemas / pinkoi / quality healthcare medical services / royce / saloon kowloon tong / saloon roarguns pacific place / smart charge / so sweet kids salon tsim sha tsui / starbucks / vita green · Type: merchant
• Benefit limit: Amount: 300 · Applies to: Bonus Clubpoints across the Designated Merchants listed in merchants.pdf · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: 3 bonus Clubpoints per HK$20; the stated current conversion is 5 Clubpoints = HK$1 for selected HKT and Club Shopping e Cash Vouchers. 3 × HK$0.20 = HK$0.60; HK$0.60 / HK$20 × 100 = 3%. No rounding is required. The source cap is 1,500 Clubpoints per statement cycle; 1,500 × HK$0.20 = HK$300. The conversion ratio may change; Clubpoints are not cash.
• The source states 3 bonus Clubpoints for each HK$20 at Designated Merchants, in addition to the 1% Basic Clubpoint Program. The combined headline is up to 4%; this offer records only the 3% bonus component.
• A maximum of 1,500 bonus Clubpoints per principal cardholder's The Club account applies per statement cycle. Online and local non-online transaction eligibility varies by merchant as shown in merchants.pdf. Third-party payment methods, including Alipay, PayPal, and WeChat Pay, are excluded unless the merchant listing states otherwise.
• The cardholder must keep a valid linked The Club membership account. The merchant list gives each merchant's own promotion dates and eligible transaction channels.
• BESTARFILM Cinemas: 2026-01-01 – 2026-12-31
• Broadway Circuit: 2022-08-22 – 2027-12-31
• cafe ToGather by LOG-ON: 2023-04-01 – 2027-03-31
• Cinema City: 2022-08-22 – 2027-12-31
• Circle K: 2022-04-01 – 2027-03-31
• city'super: 2022-04-01 – 2027-03-31
• city'super neighbourhood: 2024-06-21 – 2027-03-31
• Hair Corner: 2023-03-01 – 2027-03-31
• Hyatt Regency Hong Kong, Sha Tin: 2022-04-01 – 2027-03-31
• Hyatt Regency Hong Kong, Tsim Sha Tsui: 2022-04-01 – 2027-03-31
• JPAW HAIR SALON (Tsim Sha Tsui): 2023-03-01 – 2027-03-31
• Klook: 2022-04-01 – 2027-03-31
• Lei Garden: 2023-01-01 – 2026-12-31
• Lobby by Hair Corner (APM): 2023-03-01 – 2027-03-31
• Lobby by Hair Corner (The Wai): 2024-04-01 – 2027-03-31
• LOG-ON: 2022-04-01 – 2027-03-31
• McDonald's: 2022-04-01 – 2027-03-31
• MCL Cinemas: 2022-11-01 – 2026-12-31
• Pinkoi: 2023-04-01 – 2027-03-31
• Quality HealthCare Medical Services: 2022-05-09 – 2027-12-31
• ROYCE': 2023-04-01 – 2027-03-31
• Saloon (Kowloon Tong): 2023-03-01 – 2027-03-31
• Saloon Roarguns (Pacific Place): 2023-03-01 – 2027-03-31
• Smart Charge: 2023-03-01 – 2027-03-31
• So Sweet Kids Salon (Tsim Sha Tsui): 2023-03-01 – 2027-03-31
• Starbucks: 2024-02-01 – 2026-12-31
• Vita Green: 2022-04-01 – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit applies to: Up to 3% Clubpoints rebate earned through The Club Membership Program on qualifying monthly auto-bill payments • Eligible merchants: 1010, csl, netvigator, now-tv • This is the up-to-3% component earned through The Club Membership Program; the separate 1% Basic Clubpoint Program also applies, for a source-stated total of up to 4%. • The payment must be a recurring auto-bill payment with csl, 1O1O, Now TV, or NETVIGATOR. The cardholder is not eligible for the bonus after cancelling the relevant auto-bill payment. Maintain a valid linked The Club account.

• Eligibility: Audience: all
• Eligible spending: Applies to: 1010 / csl / netvigator / now tv · Type: merchant
• Benefit limit: Applies to: Up to 3% Clubpoints rebate earned through The Club Membership Program on qualifying monthly auto bill payments · Period: not stated · Type: not stated
• This is the up-to-3% component earned through The Club Membership Program; the separate 1% Basic Clubpoint Program also applies, for a source-stated total of up to 4%.
• The payment must be a recurring auto-bill payment with csl, 1O1O, Now TV, or NETVIGATOR. The cardholder is not eligible for the bonus after cancelling the relevant auto-bill payment. Maintain a valid linked The Club account.
• Auto-bill payment of csl, 1O1O, Now TV, or NETVIGATOR: 2022-04-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Cash-equivalent calculation: 1 extra Clubpoint per HK$20; the stated current conversion is 5 Clubpoints = HK$1 for selected HKT and Club Shopping e-Cash Vouchers. HK$1 / 5 = HK$0.20; HK$0.20 / HK$20 × 100 = 1%. No rounding is required. The source cap is 500 Clubpoints per statement cycle; 500 × HK$0.20 = HK$100. The conversion ratio may change; Clubpoints are not cash. • Limit: 100 HKD · Per Statement Period • Limit applies to: Extra 1% Clubpoints rebate on Club Shopping spending • Eligible merchants: club-shopping • This is the extra 1% issued by Citibank for Club Shopping website or app purchases. The source cap is 500 Clubpoints per principal cardholder's The Club account per statement cycle. • The separate 1% Basic Clubpoint Program and 2% Club Membership Program reward are not included in this component. The full source-stated total is 4% and is not emitted as an additional reward.

• Eligibility: Audience: all
• Eligible spending: Applies to: club shopping · Type: merchant
• Benefit limit: Amount: 100 · Applies to: Extra 1% Clubpoints rebate on Club Shopping spending · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: 1 extra Clubpoint per HK$20; the stated current conversion is 5 Clubpoints = HK$1 for selected HKT and Club Shopping e Cash Vouchers. HK$1 / 5 = HK$0.20; HK$0.20 / HK$20 × 100 = 1%. No rounding is required. The source cap is 500 Clubpoints per statement cycle; 500 × HK$0.20 = HK$100. The conversion ratio may change; Clubpoints are not cash.
• This is the extra 1% issued by Citibank for Club Shopping website or app purchases. The source cap is 500 Clubpoints per principal cardholder's The Club account per statement cycle.
• The separate 1% Basic Clubpoint Program and 2% Club Membership Program reward are not included in this component. The full source-stated total is 4% and is not emitted as an additional reward.
• Extra Citi Clubpoint rebate on Club Shopping: 2022-04-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Cash-equivalent calculation: 1 Clubpoint per HK$10 through The Club Membership Program; the stated current conversion is 5 Clubpoints = HK$1 for selected HKT and Club Shopping e-Cash Vouchers. HK$1 / 5 = HK$0.20; HK$0.20 / HK$10 × 100 = 2%. No rounding is required. The conversion ratio may change; Clubpoints are not cash. • Limit applies to: Club Shopping earns 2 Clubpoints per HK$10 through The Club Membership Program • Eligible merchants: club-shopping • The Club Shopping Website or mobile app awards regular shop-to-earn Clubpoints at 1 Clubpoint per HK$10 spending per order, subject to The Club Shopping terms. This 2% component is separate from the 1% Basic Clubpoint Program and the extra 1% Citibank component.

• Eligibility: Audience: all
• Eligible spending: Applies to: club shopping · Type: merchant
• Benefit limit: Applies to: Club Shopping earns 2 Clubpoints per HK$10 through The Club Membership Program · Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: 1 Clubpoint per HK$10 through The Club Membership Program; the stated current conversion is 5 Clubpoints = HK$1 for selected HKT and Club Shopping e Cash Vouchers. HK$1 / 5 = HK$0.20; HK$0.20 / HK$10 × 100 = 2%. No rounding is required. The conversion ratio may change; Clubpoints are not cash.
• The Club Shopping Website or mobile app awards regular shop-to-earn Clubpoints at 1 Clubpoint per HK$10 spending per order, subject to The Club Shopping terms. This 2% component is separate from the 1% Basic Clubpoint Program and the extra 1% Citibank component.
• Club Shopping regular shop-to-earn Clubpoints: 2022-04-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Citi The Club Credit Card charges no annual fee（優惠值未列明） • The card page says there is no annual fee. The fees schedule lists the annual membership fee as not applicable for both principal and supplementary Citi The Club Credit Cards.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Citi The Club Credit Card charges no annual fee（優惠值未列明） · Period: not stated · Type: not stated
• The card page says there is no annual fee. The fees schedule lists the annual membership fee as not applicable for both principal and supplementary Citi The Club Credit Cards.
• Annual membership fee shown in the Citi Credit Card Fees Schedule: 2025-12-01 – Not stated

Open source offer ↗

Category or merchant does not match. • Limit applies to: Selected Club Shopping products receive 5% off • Application, registration or activation required. See conditions. • Eligible merchants: club-shopping • The discount applies only to selected products on Club Shopping. Enter promo code CITICLUB at checkout. The source does not state a promotion end date.

• Eligibility: Audience: all
• Eligible spending: Applies to: club shopping · Type: merchant
• Benefit limit: Applies to: Selected Club Shopping products receive 5% off · Period: not stated · Type: not stated
• Application or registration is required.
• The discount applies only to selected products on Club Shopping. Enter promo code CITICLUB at checkout. The source does not state a promotion end date.

Open source offer ↗

Category or merchant does not match. • Limit applies to: Vita Green designated products receive 4% off • Eligible merchants: vita-green • The offer applies to designated products in Vita Green stores. The merchant's terms apply; the source asks cardholders to confirm details with the merchant.

• Eligibility: Audience: all
• Eligible spending: Applies to: vita green · Type: merchant
• Benefit limit: Applies to: Vita Green designated products receive 4% off · Period: not stated · Type: not stated
• The offer applies to designated products in Vita Green stores. The merchant's terms apply; the source asks cardholders to confirm details with the merchant.
• Vita Green promotion: Now – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit applies to: BESTARFILM designated combo receives 10% instant discount • Application, registration or activation required. See conditions. • Eligible merchants: bestarfilm-cinemas • Buy a Designated Combo at any BESTARFILM Cinemas concession counter with Citi The Club Credit Card and state the intention to use the offer. One redemption per transaction. Cannot be combined with other promotional offers. Card account must be valid and in good standing.

• Eligibility: Audience: all
• Eligible spending: Applies to: bestarfilm cinemas · Type: merchant
• Benefit limit: Applies to: BESTARFILM designated combo receives 10% instant discount · Period: not stated · Type: not stated
• Application or registration is required.
• Buy a Designated Combo at any BESTARFILM Cinemas concession counter with Citi The Club Credit Card and state the intention to use the offer. One redemption per transaction. Cannot be combined with other promotional offers. Card account must be valid and in good standing.
• 10% Instant Discount on the Designated Combo: 2026-01-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Customer: New customer • Limit applies to: Selected Hair Corner, JPAW and Saloon Hair Spa services receive up to 50% off • Eligible merchants: craft-by-hair-corner-tsim-sha-tsui, jpaw-hair-salon-tsim-sha-tsui, lobby-by-hair-corner-the-wai, saloon • For first-time shop-visit customers only. The offer applies to Hair SPA services at Craft by Hair Corner (Tsim Sha Tsui), JPAW HAIR SALON (Tsim Sha Tsui), Lobby by Hair Corner (The Wai), or Saloon. Terms apply; the page does not give a complete service list.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: craft by hair corner tsim sha tsui / jpaw hair salon tsim sha tsui / lobby by hair corner the wai / saloon · Type: merchant
• Benefit limit: Applies to: Selected Hair Corner, JPAW and Saloon Hair Spa services receive up to 50% off · Period: not stated · Type: not stated
• For first-time shop-visit customers only. The offer applies to Hair SPA services at Craft by Hair Corner (Tsim Sha Tsui), JPAW HAIR SALON (Tsim Sha Tsui), Lobby by Hair Corner (The Wai), or Saloon. Terms apply; the page does not give a complete service list.
• Hair SPA promotion at the named salons: Now – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Customer: New customer • Limit applies to: Selected hair salons award a free Japan Hair Care products set • Eligible merchants: hair-corner-tsim-sha-tsui, lobby-by-hair-corner-apm, saloon-roarguns-pacific-place, so-sweet-kids-salon-tsim-sha-tsui • First-time shop-visit customers only. Hair Corner (Tsim Sha Tsui) and Lobby by Hair Corner (APM) specify a Chemical Hair service described as “over HK$1,000 or above”. Saloon Roarguns (Pacific Place) and So Sweet Kids Salon (Tsim Sha Tsui) specify a Hair service over HK$1,000. The exact threshold wording differs by venue.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: hair corner tsim sha tsui / lobby by hair corner apm / saloon roarguns pacific place / so sweet kids salon tsim sha tsui · Type: merchant
• Benefit limit: Applies to: Selected hair salons award a free Japan Hair Care products set · Period: not stated · Type: not stated
• First-time shop-visit customers only. Hair Corner (Tsim Sha Tsui) and Lobby by Hair Corner (APM) specify a Chemical Hair service described as “over HK$1,000 or above”. Saloon Roarguns (Pacific Place) and So Sweet Kids Salon (Tsim Sha Tsui) specify a Hair service over HK$1,000. The exact threshold wording differs by venue.
• Free Japan Hair Care products set promotion: Now – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit applies to: Hyatt Regency Hong Kong, Tsim Sha Tsui Cafe cakes receive 12% off • Eligible merchants: hyatt-regency-hong-kong-tsim-sha-tsui-cafe • The page expressly excepts the Cafe cake offer from the dine-in-only rule. Not valid on New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, or New Year's Eve. The merchant list says hotel offers do not apply to in-room services.

• Eligibility: Audience: all
• Eligible spending: Applies to: hyatt regency hong kong tsim sha tsui cafe · Type: merchant
• Benefit limit: Applies to: Hyatt Regency Hong Kong, Tsim Sha Tsui Cafe cakes receive 12% off · Period: not stated · Type: not stated
• The page expressly excepts the Cafe cake offer from the dine-in-only rule. Not valid on New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, or New Year's Eve. The merchant list says hotel offers do not apply to in-room services.
• Tsim Sha Tsui Cafe cake offer: Now – 2027-03-31

Open source offer ↗

The offer is not available on the snapshot weekday or date. • Limit applies to: Hyatt Regency Hong Kong, Tsim Sha Tsui Chinese Restaurant receives 12% off food and drinks • Eligible merchants: hyatt-regency-hong-kong-tsim-sha-tsui-chinese-restaurant • Applies to food and beverage at lunch and dinner. Excludes All You Can Eat Dim Sum Lunch on Saturdays, Sundays, and public holidays. Dine-in only; no in-room service. Not valid on New Year's Day, Lunar New Year's Eve and first two days, Valentine's Day, Mother's Day, Father's Day, Mid-Autumn Festival, Winter Solstice, Christmas Eve, Christmas Day, or New Year's Eve.

• Eligibility: Audience: all
• Eligible spending: Applies to: hyatt regency hong kong tsim sha tsui chinese restaurant · Type: merchant
• Benefit limit: Applies to: Hyatt Regency Hong Kong, Tsim Sha Tsui Chinese Restaurant receives 12% off food and drinks · Period: not stated · Type: not stated
• Applies to food and beverage at lunch and dinner. Excludes All You Can Eat Dim Sum Lunch on Saturdays, Sundays, and public holidays. Dine-in only; no in-room service. Not valid on New Year's Day, Lunar New Year's Eve and first two days, Valentine's Day, Mother's Day, Father's Day, Mid-Autumn Festival, Winter Solstice, Christmas Eve, Christmas Day, or New Year's Eve.
• Tsim Sha Tsui Chinese Restaurant offer: Now – 2027-03-31

Open source offer ↗

The source calendar restrictions cannot be confirmed for this date. • Limit applies to: Hyatt Regency Hong Kong, Sha Tin Cafe buffets and a la carte items receive 10% off • Eligible merchants: hyatt-regency-hong-kong-sha-tin-cafe • Applies Monday to Thursday only. Not valid on public holidays or their eves, Valentine's Day, Mother's Day or its eve, Father's Day or its eve, or Winter Solstice. Dine-in only; no in-room service.

• Eligibility: Audience: all
• Eligible spending: Applies to: hyatt regency hong kong sha tin cafe · Type: merchant
• Benefit limit: Applies to: Hyatt Regency Hong Kong, Sha Tin Cafe buffets and a la carte items receive 10% off · Period: not stated · Type: not stated
• Applies Monday to Thursday only. Not valid on public holidays or their eves, Valentine's Day, Mother's Day or its eve, Father's Day or its eve, or Winter Solstice. Dine-in only; no in-room service.
• Sha Tin Cafe offer: Now – 2027-03-31

Open source offer ↗

The source calendar restrictions cannot be confirmed for this date. • Limit applies to: Hyatt Regency Hong Kong, Sha Tin Sha Tin 18 a la carte items receive 10% off • Eligible merchants: hyatt-regency-hong-kong-sha-tin-sha-tin-18 • Applies Monday to Thursday only. Not valid on public holidays or their eves, Valentine's Day, Mother's Day or its eve, Father's Day or its eve, or Winter Solstice. Dine-in only; no in-room service.

• Eligibility: Audience: all
• Eligible spending: Applies to: hyatt regency hong kong sha tin sha tin 18 · Type: merchant
• Benefit limit: Applies to: Hyatt Regency Hong Kong, Sha Tin Sha Tin 18 a la carte items receive 10% off · Period: not stated · Type: not stated
• Applies Monday to Thursday only. Not valid on public holidays or their eves, Valentine's Day, Mother's Day or its eve, Father's Day or its eve, or Winter Solstice. Dine-in only; no in-room service.
• Sha Tin 18 offer: Now – 2027-03-31

Open source offer ↗

The source calendar restrictions cannot be confirmed for this date. • Limit applies to: Hyatt Regency Hong Kong, Sha Tin Tin Tin Bar a la carte items and drinks receive 10% off • Eligible merchants: hyatt-regency-hong-kong-sha-tin-tin-tin-bar • Applies Monday to Thursday only. Excludes Happy Hour, public holidays and their eves, Valentine's Day, Mother's Day or its eve, Father's Day or its eve, and Winter Solstice. Dine-in only; no in-room service.

• Eligibility: Audience: all
• Eligible spending: Applies to: hyatt regency hong kong sha tin tin tin bar · Type: merchant
• Benefit limit: Applies to: Hyatt Regency Hong Kong, Sha Tin Tin Tin Bar a la carte items and drinks receive 10% off · Period: not stated · Type: not stated
• Applies Monday to Thursday only. Excludes Happy Hour, public holidays and their eves, Valentine's Day, Mother's Day or its eve, Father's Day or its eve, and Winter Solstice. Dine-in only; no in-room service.
• Tin Tin Bar offer: Now – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit applies to: Hyatt Regency Hong Kong, Sha Tin Melo Spa single treatments receive 15% off • Minimum spend: Period: per_transaction; Spend: 900 • Eligible merchants: hyatt-regency-hong-kong-sha-tin-melo-spa • Applies to one single treatment valued at HK$900 or above. The page does not state other service restrictions.

• Eligibility: Audience: all
• Eligible spending: Applies to: hyatt regency hong kong sha tin melo spa · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$900.00
• Benefit limit: Applies to: Hyatt Regency Hong Kong, Sha Tin Melo Spa single treatments receive 15% off · Period: not stated · Type: not stated
• Applies to one single treatment valued at HK$900 or above. The page does not state other service restrictions.
• Melo Spa single-treatment offer: Now – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit: 1000 point · Per Day • Limit applies to: P Coins rebate per cardholder • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 580 • Eligible merchants: pinkoi • Use Credit/Debit Card Payment for at least HK$580 in one eligible order on Pinkoi app or website. State the intention to use the offer before ordering and pay the full eligible amount with Citi The Club Credit Card. • Maximum 1,000 P Coins per order and once per day. The first 200 eligible transactions each quarter receive the offer, while quota lasts. Excludes discounts, shipping and transaction fees, and payments through Apple Pay, Alipay, PayPal, PayMe, WeChat Pay HK, or other third parties. P Coins are valid for 6 months and are credited within 2 days after order completion. Cannot combine with first-purchase discounts or other promotions.

• Eligibility: Audience: all
• Eligible spending: Applies to: pinkoi · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$580.00
• Benefit limit: Amount: 1000 · Applies to: P Coins rebate per cardholder · Period: per day · Type: limited · Unit: point
• Application or registration is required.
• Use Credit/Debit Card Payment for at least HK$580 in one eligible order on Pinkoi app or website. State the intention to use the offer before ordering and pay the full eligible amount with Citi The Club Credit Card.
• Maximum 1,000 P Coins per order and once per day. The first 200 eligible transactions each quarter receive the offer, while quota lasts. Excludes discounts, shipping and transaction fees, and payments through Apple Pay, Alipay, PayPal, PayMe, WeChat Pay HK, or other third parties. P Coins are valid for 6 months and are credited within 2 days after order completion. Cannot combine with first-purchase discounts or other promotions.
• Citi Credit Card – P Coins Rebate Offer: 2026-04-17 – 2027-03-31

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit applies to: Quality HealthCare Medical Services designated clinic services receive 4% off • Eligible merchants: quality-healthcare-medical-services • Applies only to services at designated entities or clinics. Excludes medical doctor and dentist consultations and treatments other than Dental Scaling & Polishing, medication, visa check-up services, and online purchases including QHMS eShop. The retained files do not provide a complete list of eligible clinics.

• Eligibility: Audience: all
• Eligible spending: Applies to: quality healthcare medical services · Type: merchant
• Benefit limit: Applies to: Quality HealthCare Medical Services designated clinic services receive 4% off · Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• Applies only to services at designated entities or clinics. Excludes medical doctor and dentist consultations and treatments other than Dental Scaling & Polishing, medication, visa check-up services, and online purchases including QHMS eShop. The retained files do not provide a complete list of eligible clinics.
• Quality HealthCare Medical Services discount: Now – 2027-12-31

Open source offer ↗

Category or merchant does not match. • Limit: 3000 HKD · Promotion Total • Limit applies to: Standard Subscription Plan waiver value, up to HK$3,000 • Application, registration or activation required. See conditions. • Eligible merchants: smart-charge • Subscribe to the designated Standard Subscription Plan with a minimum 36-month commitment at residential estates served or soon to be served by Smart Charge. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026. • The two waived months are months 34 and 35. At subscription, pay one month of service fee and a refundable deposit of at least HK$4,500. Extra usage and upgrades cost extra. Early termination removes the offer and can trigger an early termination charge.

• Eligibility: Audience: all
• Eligible spending: Applies to: smart charge · Type: merchant
• Benefit limit: Amount: 3000 · Applies to: Standard Subscription Plan waiver value, up to HK$3,000 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• Subscribe to the designated Standard Subscription Plan with a minimum 36-month commitment at residential estates served or soon to be served by Smart Charge. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026.
• The two waived months are months 34 and 35. At subscription, pay one month of service fee and a refundable deposit of at least HK$4,500. Extra usage and upgrades cost extra. Early termination removes the offer and can trigger an early termination charge.
• Smart Charge Year-Round Promotion: 2026-04-01 – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit: 2346 HKD · Promotion Total • Limit applies to: Lite Subscription Plan waiver value, up to HK$2,346 • Application, registration or activation required. See conditions. • Eligible merchants: smart-charge • Subscribe to the designated Lite Subscription Plan with a minimum 36-month commitment at residential estates served or soon to be served by Smart Charge. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026. • The two waived months are months 34 and 35. At subscription, pay one month of service fee and a refundable deposit of at least HK$4,500. Extra usage and upgrades cost extra. Early termination removes the offer and can trigger an early termination charge.

• Eligibility: Audience: all
• Eligible spending: Applies to: smart charge · Type: merchant
• Benefit limit: Amount: 2346 · Applies to: Lite Subscription Plan waiver value, up to HK$2,346 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• Subscribe to the designated Lite Subscription Plan with a minimum 36-month commitment at residential estates served or soon to be served by Smart Charge. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026.
• The two waived months are months 34 and 35. At subscription, pay one month of service fee and a refundable deposit of at least HK$4,500. Extra usage and upgrades cost extra. Early termination removes the offer and can trigger an early termination charge.
• Smart Charge Year-Round Promotion: 2026-04-01 – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit applies to: Smart Charge 36-month Rental Wallbox Plan waives HK$280 service fee for one month • Application, registration or activation required. See conditions. • Eligible merchants: smart-charge • Subscribe to the designated Rental Wallbox Service Plan with a minimum 36-month commitment at a designated estate. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026. The waived fee is for the last month of the commitment period. Electricity is not included; installation fees may apply. Early termination removes the offer and can trigger an early termination charge.

• Eligibility: Audience: all
• Eligible spending: Applies to: smart charge · Type: merchant
• Benefit limit: Applies to: Smart Charge 36 month Rental Wallbox Plan waives HK$280 service fee for one month · Period: not stated · Type: not stated
• Application or registration is required.
• Subscribe to the designated Rental Wallbox Service Plan with a minimum 36-month commitment at a designated estate. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026. The waived fee is for the last month of the commitment period. Electricity is not included; installation fees may apply. Early termination removes the offer and can trigger an early termination charge.
• Smart Charge Year-Round Promotion: 2026-04-01 – 2027-03-31

Open source offer ↗

Category or merchant does not match. • Limit applies to: Smart Charge 60-month Rental Wallbox Plan waives HK$230 service fee for one month • Application, registration or activation required. See conditions. • Eligible merchants: smart-charge • Subscribe to the designated Rental Wallbox Service Plan with a 60-month commitment at a designated estate. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026. The waived fee is for the last month of the commitment period. Electricity is not included; installation fees may apply. Early termination removes the offer and can trigger an early termination charge.

• Eligibility: Audience: all
• Eligible spending: Applies to: smart charge · Type: merchant
• Benefit limit: Applies to: Smart Charge 60 month Rental Wallbox Plan waives HK$230 service fee for one month · Period: not stated · Type: not stated
• Application or registration is required.
• Subscribe to the designated Rental Wallbox Service Plan with a 60-month commitment at a designated estate. Call 2888 0088, pay with Citi The Club Credit Card, and complete installation by June 30, 2026. The waived fee is for the last month of the commitment period. Electricity is not included; installation fees may apply. Early termination removes the offer and can trigger an early termination charge.
• Smart Charge Year-Round Promotion: 2026-04-01 – 2027-03-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Limit: 70000 HKD · Promotion Total • Limit applies to: Citi Banking Benefits cash rebate headline • Application, registration or activation required. See conditions. • The card page says a Citi The Club Credit Card customer can open a Citigold account and join for up to HK$70,000 cash rebate. The detailed attached Citigold terms cover multiple new-funds and investment offers but do not identify which tier or requirement produces the page's HK$70,000 headline. Keep the headline as shown; eligibility and exact calculation remain unclear.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 70000 · Applies to: Citi Banking Benefits cash rebate headline · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• The card page says a Citi The Club Credit Card customer can open a Citigold account and join for up to HK$70,000 cash rebate. The detailed attached Citigold terms cover multiple new-funds and investment offers but do not identify which tier or requirement produces the page's HK$70,000 headline. Keep the headline as shown; eligibility and exact calculation remain unclear.
• Citigold and Citigold Private Client Welcome Offer period linked from the card page: 2026-10-01 – 2026-10-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer; Document: Welcome Offer Gift Acknowledgement & Hold Fund Form • Limit: 15124 HKD · Promotion Total • Limit applies to: Maximum cash rebate for eligible Citigold Private Client time deposits • Application, registration or activation required. See conditions. • The primary cardholder must qualify for the Citigold Private Client New Funds Offer, sign the Welcome Offer Gift Acknowledgement & Hold Fund Form, and set up a 3-month HKD, USD, or RMB time deposit using new funds. The 1% p.a. top-up applies only to the first 3 months and to an aggregate principal amount up to HK$6,000,000 equivalent; maximum cash rebate is HK$15,124. • Account opening must be October 1-31, 2026; eligible deposit booking must be October 1-December 31, 2026. The detailed terms allow booking through a relationship manager or Citi Mobile. The card page says branch booking; the channel difference is unresolved.

• Eligibility: Audience: all · Customer status: new · Document: Welcome Offer Gift Acknowledgement & Hold Fund Form
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 15124 · Applies to: Maximum cash rebate for eligible Citigold Private Client time deposits · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• The primary cardholder must qualify for the Citigold Private Client New Funds Offer, sign the Welcome Offer Gift Acknowledgement & Hold Fund Form, and set up a 3-month HKD, USD, or RMB time deposit using new funds. The 1% p.a. top-up applies only to the first 3 months and to an aggregate principal amount up to HK$6,000,000 equivalent; maximum cash rebate is HK$15,124.
• Account opening must be October 1-31, 2026; eligible deposit booking must be October 1-December 31, 2026. The detailed terms allow booking through a relationship manager or Citi Mobile. The card page says branch booking; the channel difference is unresolved.
• Citigold Private Client account opening period; eligible time deposits can be booked through December 31, 2026: 2026-10-01 – 2026-10-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer; Document: Welcome Offer Gift Acknowledgement & Hold Fund Form • Limit: 3781 HKD · Promotion Total • Limit applies to: Maximum cash rebate for eligible Citigold time deposits • Application, registration or activation required. See conditions. • The primary cardholder must qualify for the Citigold New Funds Offer, sign the Welcome Offer Gift Acknowledgement & Hold Fund Form, and set up a 3-month HKD, USD, or RMB time deposit using new funds. The 1% p.a. top-up applies only to the first 3 months and to an aggregate principal amount up to HK$1,500,000 equivalent; maximum cash rebate is HK$3,781. • Account opening must be October 1-31, 2026; eligible deposit booking must be October 1-December 31, 2026. The detailed terms allow booking through a relationship manager or Citi Mobile. The card page says branch booking; the channel difference is unresolved.

• Eligibility: Audience: all · Customer status: new · Document: Welcome Offer Gift Acknowledgement & Hold Fund Form
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 3781 · Applies to: Maximum cash rebate for eligible Citigold time deposits · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• The primary cardholder must qualify for the Citigold New Funds Offer, sign the Welcome Offer Gift Acknowledgement & Hold Fund Form, and set up a 3-month HKD, USD, or RMB time deposit using new funds. The 1% p.a. top-up applies only to the first 3 months and to an aggregate principal amount up to HK$1,500,000 equivalent; maximum cash rebate is HK$3,781.
• Account opening must be October 1-31, 2026; eligible deposit booking must be October 1-December 31, 2026. The detailed terms allow booking through a relationship manager or Citi Mobile. The card page says branch booking; the channel difference is unresolved.
• Citigold account opening period; eligible time deposits can be booked through December 31, 2026: 2026-10-01 – 2026-10-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Limit applies to: Citi The Club Credit Card awards 10,000 Clubpoints • Application, registration or activation required. See conditions. • The card page includes 10,000 Clubpoints in its new-card welcome offer and states an equivalent value of HK$2,000. The retained sources do not include the detailed terms for this Clubpoints component; age, income, period, and qualification conditions cannot be confirmed from the available terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Citi The Club Credit Card awards 10,000 Clubpoints · Period: not stated · Type: not stated
• Application or registration is required.
• The card page includes 10,000 Clubpoints in its new-card welcome offer and states an equivalent value of HK$2,000. The retained sources do not include the detailed terms for this Clubpoints component; age, income, period, and qualification conditions cannot be confirmed from the available terms.

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Limit applies to: The Club Platinum Membership（優惠值未列明） • Application, registration or activation required. See conditions. • The card page lists The Club Platinum Membership as part of the new-card welcome offer. It also lists priority booking for popular concerts and events, free shipping, The Club Personal Assistant Service, and tier benefits and shopping privileges. The retained sources do not include detailed membership conditions or duration.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: The Club Platinum Membership（優惠值未列明） · Period: not stated · Type: not stated
• Application or registration is required.
• The card page lists The Club Platinum Membership as part of the new-card welcome offer. It also lists priority booking for popular concerts and events, free shipping, The Club Personal Assistant Service, and tier benefits and shopping privileges. The retained sources do not include detailed membership conditions or duration.

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit applies to: The Peninsula Hong Kong cake e-voucher worth HK$538 • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: apple-pay; samsung-pay; google-pay • Applies to all eligible spending, subject to the conditions. • Apply for a principal Citi The Club Credit Card through a designated link or participating platform during the promotion period and receive approval by November 13, 2026. Within one month after card issuance, enable Citi Mobile push notifications and complete five eligible transactions using Apple Pay, Samsung Pay, or Google Pay. The eligible transaction conditions must remain valid through reward issuance. • The offer is limited to the first 1,000 successful eligible cardholders, one reward per cardholder, while stock lasts. The e-voucher is issued to My Vouchers in Citi Mobile within three calendar months after the month the conditions are met. A HK$500 cash rebate may be granted as an alternative if the voucher is unavailable; see the grouped alternative offer.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Pay with: apple pay / samsung pay / google pay
• Benefit limit: Applies to: The Peninsula Hong Kong cake e voucher worth HK$538 · Period: not stated · Type: not stated
• Application or registration is required.
• Apply for a principal Citi The Club Credit Card through a designated link or participating platform during the promotion period and receive approval by November 13, 2026. Within one month after card issuance, enable Citi Mobile push notifications and complete five eligible transactions using Apple Pay, Samsung Pay, or Google Pay. The eligible transaction conditions must remain valid through reward issuance.
• The offer is limited to the first 1,000 successful eligible cardholders, one reward per cardholder, while stock lasts. The e-voucher is issued to My Vouchers in Citi Mobile within three calendar months after the month the conditions are met. A HK$500 cash rebate may be granted as an alternative if the voucher is unavailable; see the grouped alternative offer.
• Citi Credit Card New Customer Limited-Time Offer: 2026-09-14 – 2026-10-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit applies to: Citi The Club Credit Card reward: HK$500 cash rebate • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: apple-pay; samsung-pay; google-pay • Applies to all eligible spending, subject to the conditions. • This is not a cardholder choice. Citibank may grant this alternative cash rebate if the Peninsula cake e-voucher is unavailable. The same designated application, approval, five digital-wallet transaction, and new-customer conditions as the cake e-voucher apply. The source says first 1,000 successful eligible cardholders; one reward per cardholder.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Pay with: apple pay / samsung pay / google pay
• Benefit limit: Applies to: Citi The Club Credit Card reward: HK$500 cash rebate · Period: not stated · Type: not stated
• Application or registration is required.
• This is not a cardholder choice. Citibank may grant this alternative cash rebate if the Peninsula cake e-voucher is unavailable. The same designated application, approval, five digital-wallet transaction, and new-customer conditions as the cake e-voucher apply. The source says first 1,000 successful eligible cardholders; one reward per cardholder.
• Citi Credit Card New Customer Limited-Time Offer: 2026-09-14 – 2026-10-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: Existing customer • Limit applies to: Citi Credit Card referrals earn HK$3,300 cash rebate • The card page says a referrer earns HK$3,300 cash rebate after successfully referring three friends. The retained sources do not state the friends' application rules, referral channel, or promotion period.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Citi Credit Card referrals earn HK$3,300 cash rebate · Period: not stated · Type: not stated
• The card page says a referrer earns HK$3,300 cash rebate after successfully referring three friends. The retained sources do not state the friends' application rules, referral channel, or promotion period.

Open source offer ↗

Category or merchant does not match. • Limit applies to: Citi The Club Credit Card annual travel insurance cover（優惠值未列明） • Eligible categories: 旅遊 • The policy covers journeys during the policy period; each journey must not exceed 90 days. The principal cardholder must use Citi The Club Credit Card to pay for one or more of: outbound/inbound travel tickets, the whole accommodation cost, or a tour package. If a ticket, accommodation, or tour package is redeemed with Clubpoints, pay any additional taxes, fuel surcharges, and required local fees with the card. • The insured person is the principal cardholder, or a family plan may cover a spouse and dependent children. Principal cardholder and spouse must be 18-70; dependent children must be 23 or younger and travel with a parent. • Main per-journey limits include medical expenses HK$200,000 per insured person / HK$600,000 per family (follow-up treatment sublimit HK$100,000); accidental death and permanent total disablement HK$500,000 / HK$1,500,000; baggage HK$10,000 / HK$30,000; cancellation HK$8,000 / HK$24,000; personal liability HK$1,500,000 / HK$3,000,000. Other cover includes hospital/quarantine cash, emergency assistance, travel delay, curtailment, personal money, home contents, rental vehicle excess, and golf hole-in-one, each subject to the policy table, sublimits, exclusions, and claim conditions.

• Eligibility: Audience: all
• Eligible spending: Applies to: 旅遊 · Type: category
• Benefit limit: Applies to: Citi The Club Credit Card annual travel insurance cover（優惠值未列明） · Period: not stated · Type: not stated
• The policy covers journeys during the policy period; each journey must not exceed 90 days. The principal cardholder must use Citi The Club Credit Card to pay for one or more of: outbound/inbound travel tickets, the whole accommodation cost, or a tour package. If a ticket, accommodation, or tour package is redeemed with Clubpoints, pay any additional taxes, fuel surcharges, and required local fees with the card.
• The insured person is the principal cardholder, or a family plan may cover a spouse and dependent children. Principal cardholder and spouse must be 18-70; dependent children must be 23 or younger and travel with a parent.
• Main per-journey limits include medical expenses HK$200,000 per insured person / HK$600,000 per family (follow-up treatment sublimit HK$100,000); accidental death and permanent total disablement HK$500,000 / HK$1,500,000; baggage HK$10,000 / HK$30,000; cancellation HK$8,000 / HK$24,000; personal liability HK$1,500,000 / HK$3,000,000. Other cover includes hospital/quarantine cash, emergency assistance, travel delay, curtailment, personal money, home contents, rental vehicle excess, and golf hole-in-one, each subject to the policy table, sublimits, exclusions, and claim conditions.
• Annual TravelCare Insurance Policy: 2026-04-25 – 2027-04-24

Open source offer ↗

Category or merchant does not match. • Limit: 20000 HKD · Promotion Total • Limit applies to: Maximum aggregate claim amount per insured electronic product during its 12-month protection period, or the invoice price if lower • Eligible merchants: club-shopping • The covered product must be a designated electronic product carrying the Smart Protection label, bought from The Club Online Platform for at least HK$300 per product, using a valid Club account linked to Citi The Club Credit Card. The insured must be a Hong Kong resident aged 18 or older. • Protection lasts 12 months from delivery. Accidental damage is covered. Each repair or total-loss benefit is up to 70% of the repair cost or invoice price, subject to a total maximum of HK$20,000 or the invoice price, whichever is lower. The deductible is HK$100 or 30% of the loss, whichever is greater. Theft, wear and tear, mechanical/electrical breakdown, and damage covered by a warranty are excluded. No renewal is available.

• Eligibility: Audience: all
• Eligible spending: Applies to: club shopping · Type: merchant
• Benefit limit: Amount: 20000 · Applies to: Maximum aggregate claim amount per insured electronic product during its 12 month protection period, or the invoice price if lower · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• The covered product must be a designated electronic product carrying the Smart Protection label, bought from The Club Online Platform for at least HK$300 per product, using a valid Club account linked to Citi The Club Credit Card. The insured must be a Hong Kong resident aged 18 or older.
• Protection lasts 12 months from delivery. Accidental damage is covered. Each repair or total-loss benefit is up to 70% of the repair cost or invoice price, subject to a total maximum of HK$20,000 or the invoice price, whichever is lower. The deductible is HK$100 or 30% of the loss, whichever is greater. Theft, wear and tear, mechanical/electrical breakdown, and damage covered by a warranty are excluded. No renewal is available.
• Complimentary Smart Protection promotion: 2025-04-25 – 2027-04-24

Open source offer ↗

Category or merchant does not match. • Customer: Existing customer; Document: Valid The Club membership ID under the cardholder's name for hotline bookings; csl/1O1O/Club Sim postpaid account registered with HKID. • Limit: 10 day pass · Per Transaction • Limit applies to: Roaming day passes awarded per Booking • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 1000 • Eligible merchants: club-travel • Use Citi The Club Credit Card to book and pay through Club Travel for a hotel or flight to a designated destination. Each HK$1,000 of net spend per Booking earns one pass; spend is counted in HK$1,000 units and is capped at 10 passes per Booking. Exclude taxes, service charges, fuel surcharges, discounts, and coupons; include amounts offset by Clubpoints. • The cardholder must be a member of The Club with a valid activated account and an existing csl/1O1O/Club Sim postpaid account registered with HKID, with IDD and roaming active. A valid csl/1O1O/Club Sim postpaid mobile account must be registered in the Club account. Activate the pass in the csl/1O1O/Club Sim app. Pass validity is three months from crediting. • For flights, the pass applies only to the first arrival destination; transit and later destinations do not count, and no pass is issued for Hong Kong. For hotels, the hotel location sets the destination. The retained destination list was last updated April 22, 2022; the 2026 terms say destination coverage may change.

• Eligibility: Audience: all · Customer status: existing · Document: Valid The Club membership ID under the cardholder's name for hotline bookings; csl/1O1O/Club Sim postpaid account registered with HKID.
• Eligible spending: Applies to: club travel · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$1,000.00
• Benefit limit: Amount: 10 · Applies to: Roaming day passes awarded per Booking · Period: per transaction · Type: limited · Unit: day pass
• Application or registration is required.
• Use Citi The Club Credit Card to book and pay through Club Travel for a hotel or flight to a designated destination. Each HK$1,000 of net spend per Booking earns one pass; spend is counted in HK$1,000 units and is capped at 10 passes per Booking. Exclude taxes, service charges, fuel surcharges, discounts, and coupons; include amounts offset by Clubpoints.
• The cardholder must be a member of The Club with a valid activated account and an existing csl/1O1O/Club Sim postpaid account registered with HKID, with IDD and roaming active. A valid csl/1O1O/Club Sim postpaid mobile account must be registered in the Club account. Activate the pass in the csl/1O1O/Club Sim app. Pass validity is three months from crediting.
• For flights, the pass applies only to the first arrival destination; transit and later destinations do not count, and no pass is issued for Hong Kong. For hotels, the hotel location sets the destination. The retained destination list was last updated April 22, 2022; the 2026 terms say destination coverage may change.
• Complimentary Data Roaming Day Pass promotion: 2026-04-25 – 2027-04-24

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: Citi The Club Credit Card retail purchases receive up to 58 days interest-free • The fees schedule states an interest-free period of up to 58 days. The bank does not charge a retail-purchase finance charge when the cardholder pays the full statement balance by the due date each month; otherwise finance charges apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Citi The Club Credit Card retail purchases receive up to 58 days interest free · Period: not stated · Type: not stated
• The fees schedule states an interest-free period of up to 58 days. The bank does not charge a retail-purchase finance charge when the cardholder pays the full statement balance by the due date each month; otherwise finance charges apply.
• Interest-free period shown in the Citi Credit Card Fees Schedule: 2025-12-01 – Not stated

Open source offer ↗

Category or merchant does not match. • Customer: New customer • Limit: 1000 HKD · Promotion Total • Limit applies to: Cash rebate on eligible foreign currency spending • Application, registration or activation required. See conditions. • Eligible categories: 海外簽賬 • New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval. • Eligible spending is posted retail or online spending settled in a currency other than Hong Kong dollars. • The rebate applies in the first 3 months from card issuance. • The source says the offers are subject to applicable terms and conditions, but it does not include those terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Amount: 1000 · Applies to: Cash rebate on eligible foreign currency spending · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval.
• Eligible spending is posted retail or online spending settled in a currency other than Hong Kong dollars.
• The rebate applies in the first 3 months from card issuance.
• The source says the offers are subject to applicable terms and conditions, but it does not include those terms.
• Welcome offer promotion period: Now – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HK$600 ÷ HK$6,000 × 100 = 10%. This is the rate at the minimum qualifying spend; the effective rate decreases above HK$6,000. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval. • Accumulate at least HK$6,000 in eligible retail transactions in the first 2 months from card issuance. • Eligible retail transactions include local and overseas retail spending, online retail transactions, and mail or phone order transactions. • The source says the offers are subject to applicable terms and conditions, but it does not include those terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HK$600 ÷ HK$6,000 × 100 = 10%. This is the rate at the minimum qualifying spend; the effective rate decreases above HK$6,000.
• Application or registration is required.
• New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval.
• Accumulate at least HK$6,000 in eligible retail transactions in the first 2 months from card issuance.
• Eligible retail transactions include local and overseas retail spending, online retail transactions, and mail or phone order transactions.
• The source says the offers are subject to applicable terms and conditions, but it does not include those terms.
• Welcome offer promotion period: Now – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit: 10000 point · Promotion Total • Limit applies to: Motion$ earned by the virtual card welcome offer • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval. • Virtual Motion Credit Card only. Earn M$1 for each HK$1 of eligible retail transactions in the first 2 months from card issuance, up to M$10,000. • Motion$ can be converted to 10,000 miles. The bank may change reward types and Motion$ redemption requirements without prior notice. • Eligible retail transactions include local and overseas retail spending, online retail transactions, and mail or phone order transactions. • The linked Motion$ terms are not included in the retained source. • The source says the offers are subject to applicable terms and conditions, but it does not include those terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Benefit limit: Amount: 10000 · Applies to: Motion$ earned by the virtual card welcome offer · Period: promotion total · Type: limited · Unit: point
• Application or registration is required.
• New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval.
• Virtual Motion Credit Card only. Earn M$1 for each HK$1 of eligible retail transactions in the first 2 months from card issuance, up to M$10,000.
• Motion$ can be converted to 10,000 miles. The bank may change reward types and Motion$ redemption requirements without prior notice.
• Eligible retail transactions include local and overseas retail spending, online retail transactions, and mail or phone order transactions.
• The linked Motion$ terms are not included in the retained source.
• The source says the offers are subject to applicable terms and conditions, but it does not include those terms.
• Welcome offer promotion period: Now – 2026-12-31

This benefit does not apply to a purchase. • Customer: New customer • Application, registration or activation required. See conditions. • New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval. • The page states a first-year annual fee waiver but does not state the fee amount. • The source says the offers are subject to applicable terms and conditions, but it does not include those terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New Cardmembers are applicants who do not currently hold and have not cancelled a principal CNCBI credit card in the 12 months before the month of approval.
• The page states a first-year annual fee waiver but does not state the fee amount.
• The source says the offers are subject to applicable terms and conditions, but it does not include those terms.

Category or merchant does not match. • Customer: New customer • Limit: 1000 HKD · Promotion Total • Limit applies to: Cash rebate during the first 3 months from card issuance • Eligible categories: 海外簽賬 • For new cardmembers who successfully apply. A new cardmember does not currently hold, and has not cancelled, any principal CNCBI credit card in the 12 months before the month of approval. • Eligible foreign-currency spending means posted retail and online transactions settled in a currency other than HKD. • The spending period is the first 3 months from card issuance. • This is one of the listed welcome offer choices. • The page links to separate welcome offer terms; their conditions are not present in this HTML.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Amount: 1000 · Applies to: Cash rebate during the first 3 months from card issuance · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• For new cardmembers who successfully apply. A new cardmember does not currently hold, and has not cancelled, any principal CNCBI credit card in the 12 months before the month of approval.
• Eligible foreign-currency spending means posted retail and online transactions settled in a currency other than HKD.
• The spending period is the first 3 months from card issuance.
• This is one of the listed welcome offer choices.
• The page links to separate welcome offer terms; their conditions are not present in this HTML.
• Welcome offer promotion period: Now – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HK$600 / HK$6,000 × 100 = 10%. This is the threshold-equivalent rate at the minimum qualifying spend; the effective rate decreases above HK$6,000. • Limit applies to: No separate cap is stated. • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • For new cardmembers who successfully apply. A new cardmember does not currently hold, and has not cancelled, any principal CNCBI credit card in the 12 months before the month of approval. • Requires accumulated eligible retail transactions of at least HK$6,000 in the first 2 months from card issuance. • Eligible retail transactions include local and overseas retail spending, merchant instalment plans, online retail transactions, and mail or phone orders. • This is one of the listed welcome offer choices. • The page links to separate welcome offer terms; their conditions are not present in this HTML.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Applies to: No separate cap is stated. · Period: not stated · Type: not stated
• Percentage note: HK$600 / HK$6,000 × 100 = 10%. This is the threshold equivalent rate at the minimum qualifying spend; the effective rate decreases above HK$6,000.
• For new cardmembers who successfully apply. A new cardmember does not currently hold, and has not cancelled, any principal CNCBI credit card in the 12 months before the month of approval.
• Requires accumulated eligible retail transactions of at least HK$6,000 in the first 2 months from card issuance.
• Eligible retail transactions include local and overseas retail spending, merchant instalment plans, online retail transactions, and mail or phone orders.
• This is one of the listed welcome offer choices.
• The page links to separate welcome offer terms; their conditions are not present in this HTML.
• Welcome offer promotion period: Now – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit: 10000 point · Promotion Total • Limit applies to: Motion$ earned in the first 2 months from card issuance • Applies to all eligible spending, subject to the conditions. • For new cardmembers who successfully apply. A new cardmember does not currently hold, and has not cancelled, any principal CNCBI credit card in the 12 months before the month of approval. • Earn M$1 for each HK$1 of eligible retail transactions in the first 2 months from card issuance, up to M$10,000. • The source states that M$10,000 is convertible to 10,000 miles. The Bank may change reward types and Motion$ redemption requirements without notice; customers can check inMotion for current rewards and requirements. • Eligible retail transactions include local and overseas retail spending, merchant instalment plans, online retail transactions, and mail or phone orders. • This is one of the listed welcome offer choices. • The page links to separate welcome offer terms; their conditions are not present in this HTML.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Benefit limit: Amount: 10000 · Applies to: Motion$ earned in the first 2 months from card issuance · Period: promotion total · Type: limited · Unit: point
• For new cardmembers who successfully apply. A new cardmember does not currently hold, and has not cancelled, any principal CNCBI credit card in the 12 months before the month of approval.
• Earn M$1 for each HK$1 of eligible retail transactions in the first 2 months from card issuance, up to M$10,000.
• The source states that M$10,000 is convertible to 10,000 miles. The Bank may change reward types and Motion$ redemption requirements without notice; customers can check inMotion for current rewards and requirements.
• Eligible retail transactions include local and overseas retail spending, merchant instalment plans, online retail transactions, and mail or phone orders.
• This is one of the listed welcome offer choices.
• The page links to separate welcome offer terms; their conditions are not present in this HTML.
• Welcome offer promotion period: Now – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: No waiver amount or limit is stated. • The page states a perpetual annual fee waiver. It does not state the waived amount.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: No waiver amount or limit is stated. · Period: not stated · Type: not stated
• The page states a perpetual annual fee waiver. It does not state the waived amount.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: nadaman-kowloon-shangri-la • Eligible merchants: nadaman-kowloon-shangri-la • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Nadaman (Kowloon Shangri-La): Wateshoku Iro-dori Set Lunch HK$395, Monday to Sunday; Omakase Kaiseki Set Dinner HK$1,838, Monday to Sunday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Reservation must be made at least 2 days in advance through BOC Private Card Lifestyle Manager. • Daily supply is limited. The discount does not apply to the 10% service charge. • Blackout dates include, but are not limited to, 9-10 May, 21 June, 21-22 December, 24-26 December and 31 December 2026, plus other festive days and special events. • The offer cannot be used with Shangri-La Circle Points redemption or other Shangri-La membership benefits; Shangri-La Circle members cannot earn Shangri-La Circle Points.

• Eligibility: Audience: all
• Eligible spending: Applies to: nadaman kowloon shangri la · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Nadaman (Kowloon Shangri-La): Wateshoku Iro-dori Set Lunch HK$395, Monday to Sunday; Omakase Kaiseki Set Dinner HK$1,838, Monday to Sunday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Reservation must be made at least 2 days in advance through BOC Private Card Lifestyle Manager.
• Daily supply is limited. The discount does not apply to the 10% service charge.
• Blackout dates include, but are not limited to, 9-10 May, 21 June, 21-22 December, 24-26 December and 31 December 2026, plus other festive days and special events.
• The offer cannot be used with Shangri-La Circle Points redemption or other Shangri-La membership benefits; Shangri-La Circle members cannot earn Shangri-La Circle Points.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: shang-palace • Eligible merchants: shang-palace • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Shang Palace: Designated Set Dinner HK$1,328, Monday to Sunday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. • Daily supply is limited. The discount does not apply to the 10% service charge. • Blackout dates include, but are not limited to, 9-10 May, 21 June, 24-25 September, 21-22 December, 24-26 December and 31 December 2026, plus other festive days and special events. • Shangri-La Circle members cannot earn Shangri-La Circle Points.

• Eligibility: Audience: all
• Eligible spending: Applies to: shang palace · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Shang Palace: Designated Set Dinner HK$1,328, Monday to Sunday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager.
• Daily supply is limited. The discount does not apply to the 10% service charge.
• Blackout dates include, but are not limited to, 9-10 May, 21 June, 24-25 September, 21-22 December, 24-26 December and 31 December 2026, plus other festive days and special events.
• Shangri-La Circle members cannot earn Shangri-La Circle Points.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: ami • Eligible merchants: ami • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Ami: Selected Tasting Dinner HK$1,288 or HK$1,588, Monday to Sunday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited. • The discount does not apply to the 10% service charge, which must be paid at the restaurant. • Blackout dates include, but are not limited to, New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, Boxing Day and New Year's Eve, plus other festive days and special events.

• Eligibility: Audience: all
• Eligible spending: Applies to: ami · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Ami: Selected Tasting Dinner HK$1,288 or HK$1,588, Monday to Sunday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited.
• The discount does not apply to the 10% service charge, which must be paid at the restaurant.
• Blackout dates include, but are not limited to, New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, Boxing Day and New Year's Eve, plus other festive days and special events.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: arbor • Eligible merchants: arbor • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Arbor: Selected Lunch Menu HK$688 or HK$888, and Selected Dinner Menu HK$1,988, Monday to Sunday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited. • The discount does not apply to the 10% service charge, which must be paid at the restaurant. • Blackout dates include, but are not limited to, New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, Boxing Day and New Year's Eve, plus other festive days and special events.

• Eligibility: Audience: all
• Eligible spending: Applies to: arbor · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Arbor: Selected Lunch Menu HK$688 or HK$888, and Selected Dinner Menu HK$1,988, Monday to Sunday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited.
• The discount does not apply to the 10% service charge, which must be paid at the restaurant.
• Blackout dates include, but are not limited to, New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, Boxing Day and New Year's Eve, plus other festive days and special events.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: epure • Eligible merchants: epure • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • ÉPURE: Selected Lunch Menu HK$688 or HK$888, and Selected Dinner Menu HK$1,388 or HK$1,688, Monday to Sunday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited. • The discount does not apply to the 10% service charge, which must be paid at the restaurant. • Blackout dates include, but are not limited to, New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, Boxing Day and New Year's Eve, plus other festive days and special events.

• Eligibility: Audience: all
• Eligible spending: Applies to: epure · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• ÉPURE: Selected Lunch Menu HK$688 or HK$888, and Selected Dinner Menu HK$1,388 or HK$1,688, Monday to Sunday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited.
• The discount does not apply to the 10% service charge, which must be paid at the restaurant.
• Blackout dates include, but are not limited to, New Year's Day, Valentine's Day, Mother's Day, Father's Day, Christmas Eve, Christmas Day, Boxing Day and New Year's Eve, plus other festive days and special events.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: beefbar • Eligible merchants: beefbar • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Beefbar: Designated Lunch Menu HK$650, Monday to Friday; Designated Dinner Menu HK$1,380, Monday to Saturday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited. • The discount does not apply to the 10% service charge, which must be paid at the restaurant. • Blackout dates include, but are not limited to, 24-25 December and 31 December 2026, all holiday lunches and special events.

• Eligibility: Audience: all
• Eligible spending: Applies to: beefbar · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Beefbar: Designated Lunch Menu HK$650, Monday to Friday; Designated Dinner Menu HK$1,380, Monday to Saturday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited.
• The discount does not apply to the 10% service charge, which must be paid at the restaurant.
• Blackout dates include, but are not limited to, 24-25 December and 31 December 2026, all holiday lunches and special events.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: chiu-tang • Eligible merchants: chiu-tang • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Chiu Tang: Designated Menu HK$1,280, Monday to Sunday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited. • The discount does not apply to the 10% service charge, which must be paid at the restaurant. • Blackout dates include, but are not limited to, 22 December 2026 and special events.

• Eligibility: Audience: all
• Eligible spending: Applies to: chiu tang · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Chiu Tang: Designated Menu HK$1,280, Monday to Sunday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Reservation must be made at least 1 day in advance through BOC Private Card Lifestyle Manager. Daily supply is limited.
• The discount does not apply to the 10% service charge, which must be paid at the restaurant.
• Blackout dates include, but are not limited to, 22 December 2026 and special events.
• Promotion period; exact start date is not stated: Now – 2026-12-31

The source calendar restrictions cannot be confirmed for this date. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: somm • Eligible merchants: somm • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • SOMM: 4-course SOMMallset Dinner Experience with 3-glass wine pairing HK$1,398, Monday to Sunday; SOMMkind of Royale Brunch Menu HK$1,318, Saturday, Sunday and public holidays. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Advance reservation must be made through BOC Private Card Lifestyle Manager. • The dinner includes the stated four-course menu and three-glass wine pairing. The brunch includes 90 minutes of free-flow selected Champagne, sake, wines and seasonal cocktails with the stated food courses. • The discount does not apply to the 10% service charge, which must be paid at the restaurant. • Blackout dates include, but are not limited to, 9-10 May and 20-21 June 2026, plus other festive days and special event dates.

• Eligibility: Audience: all
• Eligible spending: Applies to: somm · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• SOMM: 4-course SOMMallset Dinner Experience with 3-glass wine pairing HK$1,398, Monday to Sunday; SOMMkind of Royale Brunch Menu HK$1,318, Saturday, Sunday and public holidays.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Advance reservation must be made through BOC Private Card Lifestyle Manager.
• The dinner includes the stated four-course menu and three-glass wine pairing. The brunch includes 90 minutes of free-flow selected Champagne, sake, wines and seasonal cocktails with the stated food courses.
• The discount does not apply to the 10% service charge, which must be paid at the restaurant.
• Blackout dates include, but are not limited to, 9-10 May and 20-21 June 2026, plus other festive days and special event dates.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a buy-one-get-one-free menu offer but no comparable percentage. • Limit: 1 transactions · Per Transaction • Limit applies to: One offer or designated set menu per table each time; merchant quota applies • Merchants: embla • Eligible merchants: embla • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Embla: Designated Lunch Menu HK$688, Wednesday to Saturday; Designated Dinner Menu HK$1,288, Tuesday to Saturday. • Advance reservation is required and the client must state use of the offer at reservation and before ordering. • The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time. • The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise. • The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise. • Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final. • Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated. • Advance reservation is required. Dietary restrictions must be told to the restaurant at least 48 hours in advance, and a credit-card guarantee is required. • A 48-hour cancellation policy applies. Late cancellation charges are HK$1,000 for dinner and HK$688 for lunch. • The offer does not apply on festive days or special event dates with special menus, including holiday, special-occasion and guest-chef menus. It cannot be used with Embla vouchers, discounts or other promotions. • Blackout dates include, but are not limited to, festive days and other special event dates. • The discount does not apply to the 10% service charge, which must be paid at the restaurant.

• Eligibility: Audience: all
• Eligible spending: Applies to: embla · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One offer or designated set menu per table each time; merchant quota applies · Period: per transaction · Type: limited · Unit: transactions
• Percentage note: The source states a buy one get one free menu offer but no comparable percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Embla: Designated Lunch Menu HK$688, Wednesday to Saturday; Designated Dinner Menu HK$1,288, Tuesday to Saturday.
• Advance reservation is required and the client must state use of the offer at reservation and before ordering.
• The client must be one of the diners. The offer is for one table each time and, unless otherwise specified, one offer or designated set menu per table each time.
• The offer applies to dine-in food or beverage from the designated set menu at the stated times. It excludes festive or special menus, guest-chef promotions, wine dinners, weddings, meetings, conferences, takeaways, deliveries, banquets, catering, private or corporate functions, private rooms, 10% service charge, and other items listed in the terms unless the merchant states otherwise.
• The offer cannot be combined with other promotional offers, discounts, membership offers, staff discounts, gift vouchers or cash coupons unless the merchant states otherwise.
• Availability, stock, merchant quota and first-come-first-served rules apply. Menu descriptions, prices and services are reference information and the merchant's information is final.
• Cancelled, refunded, falsified, unposted, fraudulent or unauthorised transactions are not eligible. The account must remain normal, valid and in good credit standing; termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Advance reservation is required. Dietary restrictions must be told to the restaurant at least 48 hours in advance, and a credit-card guarantee is required.
• A 48-hour cancellation policy applies. Late cancellation charges are HK$1,000 for dinner and HK$688 for lunch.
• The offer does not apply on festive days or special event dates with special menus, including holiday, special-occasion and guest-chef menus. It cannot be used with Embla vouchers, discounts or other promotions.
• Blackout dates include, but are not limited to, festive days and other special event dates.
• The discount does not apply to the 10% service charge, which must be paid at the restaurant.
• Promotion period; exact start date is not stated: Now – 2026-12-31

Category or merchant does not match. • Source-stated 10% discount on the a la carte menu. • Minimum spend: Period: per_transaction; Spend: 500 • Merchants: airside-cafe • Eligible merchants: airside-cafe • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • Minimum spending of HK$500 is required for the a la carte menu discount. • Reservation must be made at least 1 day in advance through the stated reservation channel and is subject to availability. • Blackout dates include, but are not limited to, 26 September, 1 October, 19 October, 24-26 December and 31 December 2026. • The offer is used at the eligible transaction, cannot be exchanged for cash or other items, and cannot be combined with other offers or discounts. No refund is honoured after completion. • The offer is subject to availability while stocks last. The account must remain normal, valid and in good standing; fraud or abuse can forfeit eligibility. • The Promotion Period ends on 31 December 2026; the exact start date is not stated.

• Eligibility: Audience: all
• Eligible spending: Applies to: airside cafe · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$500.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 10% discount on the a la carte menu.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• Minimum spending of HK$500 is required for the a la carte menu discount.
• Reservation must be made at least 1 day in advance through the stated reservation channel and is subject to availability.
• Blackout dates include, but are not limited to, 26 September, 1 October, 19 October, 24-26 December and 31 December 2026.
• The offer is used at the eligible transaction, cannot be exchanged for cash or other items, and cannot be combined with other offers or discounts. No refund is honoured after completion.
• The offer is subject to availability while stocks last. The account must remain normal, valid and in good standing; fraud or abuse can forfeit eligibility.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Promotion period; exact start date is not stated: Now – 2026-12-31

No comparable purchase saving is specified for this benefit type. • The source states a fixed complimentary item and value but no eligible-spend denominator for a percentage. • Minimum spend: Period: per_transaction; Spend: 1200 • Merchants: watermark • Eligible merchants: watermark • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • The complimentary house red wine is available upon spending HK$1,200 at WATERMARK. • Reservation must be made at least 1 day in advance through the stated reservation channel and is subject to availability. • Blackout dates include, but are not limited to, 26 September, 1 October, 19 October, 24-26 December and 31 December 2026. • The offer is used at the eligible transaction, cannot be exchanged for cash or other items, and cannot be combined with other offers or discounts. No refund is honoured after completion. • The offer is subject to availability while stocks last. The account must remain normal, valid and in good standing; fraud or abuse can forfeit eligibility. • The Promotion Period ends on 31 December 2026; the exact start date is not stated.

• Eligibility: Audience: all
• Eligible spending: Applies to: watermark · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$1,200.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed complimentary item and value but no eligible spend denominator for a percentage.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• The complimentary house red wine is available upon spending HK$1,200 at WATERMARK.
• Reservation must be made at least 1 day in advance through the stated reservation channel and is subject to availability.
• Blackout dates include, but are not limited to, 26 September, 1 October, 19 October, 24-26 December and 31 December 2026.
• The offer is used at the eligible transaction, cannot be exchanged for cash or other items, and cannot be combined with other offers or discounts. No refund is honoured after completion.
• The offer is subject to availability while stocks last. The account must remain normal, valid and in good standing; fraud or abuse can forfeit eligibility.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Promotion period; exact start date is not stated: Now – 2026-12-31

This benefit does not apply to a purchase. • No spending percentage applies to complimentary lounge access. • Limit: 5 transactions · Promotion Total • Limit applies to: Total complimentary Plaza Premium First visits during the Promotion Period • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • The benefit is for the main cardholder, supplementary cardholder and accompanying guest(s). Online reservation is not applicable. • Visits above five are charged at HK$550 per visit per person and debited to the main card account. • A cardholder may use free service once in each airport lounge each day. A later visit to the same lounge on the same day is charged at HK$550 per person. • Plaza Premium First is limited to the lounges near Gate 1 and Gate 35, East or West Hall, Level 6, Departures Level, Terminal 1, Hong Kong International Airport. Use by the main cardholder is limited to 3 hours per visit. • Access is subject to availability and each location's rules. A same-day boarding pass and eligible card do not guarantee admission. • The account must remain normal, valid and in good credit condition during the Promotion Period. The Promotion Period is 1 January to 31 December 2026.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 5 · Applies to: Total complimentary Plaza Premium First visits during the Promotion Period · Period: promotion total · Type: limited · Unit: transactions
• Percentage note: No spending percentage applies to complimentary lounge access.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• The benefit is for the main cardholder, supplementary cardholder and accompanying guest(s). Online reservation is not applicable.
• Visits above five are charged at HK$550 per visit per person and debited to the main card account.
• A cardholder may use free service once in each airport lounge each day. A later visit to the same lounge on the same day is charged at HK$550 per person.
• Plaza Premium First is limited to the lounges near Gate 1 and Gate 35, East or West Hall, Level 6, Departures Level, Terminal 1, Hong Kong International Airport. Use by the main cardholder is limited to 3 hours per visit.
• Access is subject to availability and each location's rules. A same-day boarding pass and eligible card do not guarantee admission.
• The account must remain normal, valid and in good credit condition during the Promotion Period. The Promotion Period is 1 January to 31 December 2026.
• Airport Lounges Services Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • No spending percentage applies to complimentary lounge access. • Limit: unlimited. • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • The main cardholder receives unlimited complimentary visits at designated Plaza Premium Lounges, including INTERVALS Sky Bar and Restaurant; Plaza Premium First is excluded from this row. • Supplementary cardholders and accompanying guests pay HK$250 each time at designated Plaza Premium Lounges. • A cardholder may use free service once in each airport lounge each day. A later visit to the same lounge on the same day is charged at HK$250 at Plaza Premium Lounge or INTERVALS Sky Bar and Restaurant. • The complete list of designated Plaza Premium Lounges is referenced externally and is not used as evidence. The Company may amend the list without prior notice. • INTERVALS Sky Bar and Restaurant use is limited to 90 minutes per visit. • Access is subject to availability and each location's rules. A same-day boarding pass and eligible card do not guarantee admission. • The account must remain normal, valid and in good credit condition during the Promotion Period. The Promotion Period is 1 January to 31 December 2026.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: unlimited
• Percentage note: No spending percentage applies to complimentary lounge access.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• The main cardholder receives unlimited complimentary visits at designated Plaza Premium Lounges, including INTERVALS Sky Bar and Restaurant; Plaza Premium First is excluded from this row.
• Supplementary cardholders and accompanying guests pay HK$250 each time at designated Plaza Premium Lounges.
• A cardholder may use free service once in each airport lounge each day. A later visit to the same lounge on the same day is charged at HK$250 at Plaza Premium Lounge or INTERVALS Sky Bar and Restaurant.
• The complete list of designated Plaza Premium Lounges is referenced externally and is not used as evidence. The Company may amend the list without prior notice.
• INTERVALS Sky Bar and Restaurant use is limited to 90 minutes per visit.
• Access is subject to availability and each location's rules. A same-day boarding pass and eligible card do not guarantee admission.
• The account must remain normal, valid and in good credit condition during the Promotion Period. The Promotion Period is 1 January to 31 December 2026.
• Airport Lounges Services Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • The source states a half-fee offer and HK$9,400, but does not state a numeric percentage. • Application, registration or activation required. See conditions. • BOC Private Card is by invitation only; contact the dedicated Relationship Manager. • The BOC Private Card application must be approved within the Promotion Period to receive the first-year annual fee of HK$9,400. • The Key Facts Statement lists the standard BOC Private Card main-card annual membership fee as HK$18,800; the formal offer states the first-year half-fee amount separately. • The account must remain normal, valid and in good credit condition during the Promotion Period. Termination, agreement breach or default forfeits the offer. • The Promotion Period ends on 31 December 2026; the exact start date is not stated.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a half fee offer and HK$9,400, but does not state a numeric percentage.
• Application or registration is required.
• BOC Private Card is by invitation only; contact the dedicated Relationship Manager.
• The BOC Private Card application must be approved within the Promotion Period to receive the first-year annual fee of HK$9,400.
• The Key Facts Statement lists the standard BOC Private Card main-card annual membership fee as HK$18,800; the formal offer states the first-year half-fee amount separately.
• The account must remain normal, valid and in good credit condition during the Promotion Period. Termination, agreement breach or default forfeits the offer.
• The Promotion Period ends on 31 December 2026; the exact start date is not stated.
• Promotion period; exact start date is not stated: Now – 2026-12-31

This benefit does not apply to a purchase. • No spending percentage applies to the interest-free period. • The Key Facts Statement states an interest-free period of up to 56 days. • No interest is charged when the balance is paid in full by the due date each month. If no payment or less than the outstanding balance is paid by the due date, interest is charged daily and the interest-free period is not available.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: No spending percentage applies to the interest free period.
• The Key Facts Statement states an interest-free period of up to 56 days.
• No interest is charged when the balance is paid in full by the due date each month. If no payment or less than the outstanding balance is paid by the due date, interest is charged daily and the interest-free period is not available.

No usable purchase percentage; threshold comparison rates are not flat rewards. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • New credit-card customer; apply during the promotion; approved card; accumulate HK$8,000 eligible spend in the first 60 calendar days. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New credit-card customer; apply during the promotion; approved card; accumulate HK$8,000 eligible spend in the first 60 calendar days.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• welcome promotion applications: 2026-03-01 – 2027-02-28

No usable purchase percentage; threshold comparison rates are not flat rewards. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • New credit-card customer; choose MoneyBack points when applying; bind the HSBC easy card to the MoneyBack App within 30 calendar days after card issue; accumulate HK$8,000 eligible spend in the first 60 calendar days. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New credit-card customer; choose MoneyBack points when applying; bind the HSBC easy card to the MoneyBack App within 30 calendar days after card issue; accumulate HK$8,000 eligible spend in the first 60 calendar days.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• welcome promotion applications: 2026-03-01 – 2027-02-28

No usable purchase percentage; threshold comparison rates are not flat rewards. • Customer: Existing customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • Existing credit-card customer; apply during the promotion; approved card; accumulate HK$8,000 eligible spend in the first 60 calendar days. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Existing credit-card customer; apply during the promotion; approved card; accumulate HK$8,000 eligible spend in the first 60 calendar days.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• welcome promotion applications: 2026-03-01 – 2027-02-28

No usable purchase percentage; threshold comparison rates are not flat rewards. • Customer: Existing customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • Existing credit-card customer; choose MoneyBack points when applying; bind the HSBC easy card to the MoneyBack App within 30 calendar days after card issue; accumulate HK$8,000 eligible spend in the first 60 calendar days. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Existing credit-card customer; choose MoneyBack points when applying; bind the HSBC easy card to the MoneyBack App within 30 calendar days after card issue; accumulate HK$8,000 eligible spend in the first 60 calendar days.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• welcome promotion applications: 2026-03-01 – 2027-02-28

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • New or existing customer; apply and receive approval; bind the card to the MoneyBack App within the first 30 calendar days after issue; membership is for one year; account must remain valid and in good standing.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New or existing customer; apply and receive approval; bind the card to the MoneyBack App within the first 30 calendar days after issue; membership is for one year; account must remain valid and in good standing.
• VIP promotion applications: 2025-05-18 – 2027-02-28

This benefit does not apply to a purchase. • Customer: New customer • Application, registration or activation required. See conditions. • New credit-card customer; activate the card within the first 60 calendar days; successfully apply for and receive approval for a Cash Instalment Plan with an approved withdrawal amount of at least HK$20,000 and a repayment period of at least 12 months; one reward per eligible cardholder; early repayment or cancellation can remove or claw back the reward.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New credit-card customer; activate the card within the first 60 calendar days; successfully apply for and receive approval for a Cash Instalment Plan with an approved withdrawal amount of at least HK$20,000 and a repayment period of at least 12 months; one reward per eligible cardholder; early repayment or cancellation can remove or claw back the reward.
• cash instalment promotion: 2026-03-01 – 2027-02-28

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Eligible categories: 海外簽賬 • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: be-earth, go24-fitness, pure-group, snap-fitness, square-fitness • Eligible merchants: be-earth, go24-fitness, pure-group, snap-fitness, square-fitness • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: be earth / go24 fitness / pure group / snap fitness / square fitness · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: cgv-cinemas, festival-grand-cinema, k11-art-house, mcl, movie-town, star-cinema • Eligible merchants: cgv-cinemas, festival-grand-cinema, k11-art-house, mcl, movie-town, star-cinema • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: cgv cinemas / festival grand cinema / k11 art house / mcl / movie town / star cinema · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: kktix • Eligible merchants: kktix • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: kktix · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: ef-english-centers • Eligible merchants: ef-english-centers • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: ef english centers · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: kkbox, moov, neway-ceo-karaoke • Eligible merchants: kkbox, moov, neway-ceo-karaoke • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: kkbox / moov / neway ceo karaoke · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: hutchgo, kkday, klook, trip-com • Eligible merchants: hutchgo, kkday, klook, trip-com • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: hutchgo / kkday / klook / trip com · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: toniandguy-hong-kong, zi-massage-and-wellness • Eligible merchants: toniandguy-hong-kong, zi-massage-and-wellness • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: toniandguy hong kong / zi massage and wellness · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: mtr, pit • Eligible merchants: mtr, pit • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: mtr / pit · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: esso, shell, shell-recharge, sinopec, tesla • Eligible merchants: esso, shell, shell-recharge, sinopec, tesla • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: esso / shell / shell recharge / sinopec / tesla · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: 759, big-c, don-don-donki, greenprice, fusion, taste, taste-x-fresh, international, food-le-parc, gourmet, great-food-hall • Eligible merchants: 759, big-c, don-don-donki, greenprice, fusion, taste, taste-x-fresh, international, food-le-parc, gourmet, great-food-hall • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 759 / big c / don don donki / greenprice / fusion / taste / taste x fresh / international / food le parc / gourmet / great food hall · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: at-home, jhc, keychain-pay • Eligible merchants: at-home, jhc, keychain-pay • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: at home / jhc / keychain pay · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: bruno, j-select, panasonic, price, w-mall, yoho • Eligible merchants: bruno, j-select, panasonic, price, w-mall, yoho • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: bruno / j select / panasonic / price / w mall / yoho · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: 1o1o, 3, csl, club-sim, hkt, now-tv, smartone, supreme • Eligible merchants: 1o1o, 3, csl, club-sim, hkt, now-tv, smartone, supreme • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 1o1o / 3 / csl / club sim / hkt / now tv / smartone / supreme · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: petmium, q-pets, the-dogs-garden, three-little-meow • Eligible merchants: petmium, q-pets, the-dogs-garden, three-little-meow • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: petmium / q pets / the dogs garden / three little meow · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: aeon, aeon-style, aeon-supermarket, apita, bento-express-by-aeon, c, citistore, citysuper, citysuper-neighbourhood, citysuper-log-on, hktvmall, harvey-nichols, living-plaza-by-aeon, log-on, marks-and-spencer, mono-mono, uny • Eligible merchants: aeon, aeon-style, aeon-supermarket, apita, bento-express-by-aeon, c, citistore, citysuper, citysuper-neighbourhood, citysuper-log-on, hktvmall, harvey-nichols, living-plaza-by-aeon, log-on, marks-and-spencer, mono-mono, uny • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: aeon / aeon style / aeon supermarket / apita / bento express by aeon / c / citistore / citysuper / citysuper neighbourhood / citysuper log on / hktvmall / harvey nichols / living plaza by aeon / log on / marks and spencer / mono mono / uny · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: 7-for-all-mankind, agn-s-b, birkenstock, brooks-brothers, club-monaco, columbia, crocs, decathlon, ecco, egg-optical-boutique, go-wild, gu, misch-masch, nical, 88, oriental-traffic, wa-oriental-traffic, rockport, skechers, sport-b, teva, theory, twist, ugg, uniqlo, zalora, zoff • Eligible merchants: 7-for-all-mankind, agn-s-b, birkenstock, brooks-brothers, club-monaco, columbia, crocs, decathlon, ecco, egg-optical-boutique, go-wild, gu, misch-masch, nical, 88, oriental-traffic, wa-oriental-traffic, rockport, skechers, sport-b, teva, theory, twist, ugg, uniqlo, zalora, zoff • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 7 for all mankind / agn s b / birkenstock / brooks brothers / club monaco / columbia / crocs / decathlon / ecco / egg optical boutique / go wild / gu / misch masch / nical / 88 / oriental traffic / wa oriental traffic / rockport / skechers / sport b / teva / theory / twist / ugg / uniqlo / zalora / zoff · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: @cosme-store, beauty-avenue, ipsa, joyce-beauty, mtm-labo, time-by-mtm-labo, spa-by-mtm-labo, nars, serge-lutens, shiseido • Eligible merchants: @cosme-store, beauty-avenue, ipsa, joyce-beauty, mtm-labo, time-by-mtm-labo, spa-by-mtm-labo, nars, serge-lutens, shiseido • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: @cosme store / beauty avenue / ipsa / joyce beauty / mtm labo / time by mtm labo / spa by mtm labo / nars / serge lutens / shiseido · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: osim, oto, slowood • Eligible merchants: osim, oto, slowood • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: osim / oto / slowood · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: agnes-b-fleuriste, cantevole, casetify, la-boh-me, royce • Eligible merchants: agnes-b-fleuriste, cantevole, casetify, la-boh-me, royce • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: agnes b fleuriste / cantevole / casetify / la boh me / royce · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Application, registration or activation required. See conditions. • Merchants: pns, fusion, taste, taste-x-fresh, international, food-parc, great-food-hall • Eligible merchants: pns, fusion, taste, taste-x-fresh, international, food-parc, great-food-hall • Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD. • The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: pns / fusion / taste / taste x fresh / international / food parc / great food hall · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD.
• The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• MoneyBack exclusive offers promotion: 2025-05-19 – 2026-12-31

Category or merchant does not match. • Application, registration or activation required. See conditions. • Merchants: pns, fusion, taste, taste-x-fresh, international, food-parc, great-food-hall • Eligible merchants: pns, fusion, taste, taste-x-fresh, international, food-parc, great-food-hall • Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD. • The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: pns / fusion / taste / taste x fresh / international / food parc / great food hall · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD.
• The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• MoneyBack exclusive offers promotion: 2025-05-19 – 2026-12-31

Category or merchant does not match. • Application, registration or activation required. See conditions. • Merchants: watsons • Eligible merchants: watsons • Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD. • The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: watsons · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD.
• The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• MoneyBack exclusive offers promotion: 2025-05-19 – 2026-12-31

Category or merchant does not match. • Application, registration or activation required. See conditions. • Merchants: watsons • Eligible merchants: watsons • Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD. • The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: watsons · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD.
• The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• MoneyBack exclusive offers promotion: 2025-05-19 – 2026-12-31

Category or merchant does not match. • Application, registration or activation required. See conditions. • Merchants: fortress, techlife-by-fortress • Eligible merchants: fortress, techlife-by-fortress • Link the eligible card to the MoneyBack App before spending; show the MoneyBack member QR code in store or log in online; eligible transaction must be settled in HKD. • The 4X rate is for MoneyBack members; the 6X rate is for MoneyBack VIP members. Exclude electronic-wallet, unposted, cancelled and refunded transactions and source-listed excluded products. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.