Spend well.
Get more back.

Whole-dollar rebate rounding requires the statement total or an explicit per-transaction basis. • The formal terms state 1% of the eligible retail purchase amount. • Applies to all eligible spending, subject to the conditions. • Applies to principal and supplementary Dah Sing ONE+ Platinum and ONE+ Titanium cards. • The cash rebate is calculated on eligible retail purchase amounts in each statement cycle. Fractional rebate is calculated to 2 decimals and the total is rounded up to the nearest dollar. • Excludes cash advances, autopay, Happy Installment, Cash-In Plan, branch Cash-In, Smart Choice Balance Transfer, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy, JET Payment, tax, interest-free monthly installments, cheque, bank handling fees, casino, unposted, cancelled, refunded, unauthorized and chargeback transactions. • Credits are posted on the next statement and settle new purchases only; the Bank decides eligibility and original sales slips must be retained.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The formal terms state 1% of the eligible retail purchase amount.
• Applies to principal and supplementary Dah Sing ONE+ Platinum and ONE+ Titanium cards.
• The cash rebate is calculated on eligible retail purchase amounts in each statement cycle. Fractional rebate is calculated to 2 decimals and the total is rounded up to the nearest dollar.
• Excludes cash advances, autopay, Happy Installment, Cash-In Plan, branch Cash-In, Smart Choice Balance Transfer, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy, JET Payment, tax, interest-free monthly installments, cheque, bank handling fees, casino, unposted, cancelled, refunded, unauthorized and chargeback transactions.
• Credits are posted on the next statement and settle new purchases only; the Bank decides eligibility and original sales slips must be retained.

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: The reward is credited within four months after the spending period, settles new purchases only, and requires a valid card and good repayment record. A card cancelled within 13 months can incur a HKD300 fee. • Threshold-equivalent calculation: HKD500 fixed cash rebate / HKD5,000 minimum Eligible Spending = 10%; the effective rate can be lower above the threshold and the source states a fixed reward. • Limit: 500 HKD · Promotion Total • Limit applies to: One HKD500 Welcome Offer cash rebate per eligible new principal cardholder • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Applies to all eligible spending, subject to the conditions. • The promotion runs from 1 January 2025 through 31 December 2026, inclusive. • The new principal applicant must not have held any principal or supplementary card of any type issued by the Bank in the preceding 12 months. One Welcome Offer applies to the first approved Dah Sing card only. • Within the first two months after card issuance, the cardholder must accumulate Eligible Spending of at least HKD5,000 and complete at least 5 Eligible Spending transactions. Principal and supplementary-card spending is combined. • Eligible Spending includes retail, cash advance, autopay, designated mobile payments such as Google Pay, Samsung Pay and Apple Pay, Stocks Investment Savings Plans, interest-free monthly installments, gift-redemption fees and cheque payments. Wallet top-ups, new Octopus through mobile payment, recurring payments including Octopus AAVS and Autotoll, mobile transfers or top-ups including PayMe, TNG, WeChat and AlipayHK, Happy Installment, Cash-In Plan, branch Cash-In, Smart Choice Balance Transfer, Cash Conversion Plan, bank fees, PayEasy, JET Payment, casino and invalid or reversed transactions are excluded. • The reward is credited within four months after the spending period, settles new purchases only, and requires a valid card and good repayment record. A card cancelled within 13 months can incur a HKD300 fee.

• Eligibility: Audience: all · Customer status: new · Document: The reward is credited within four months after the spending period, settles new purchases only, and requires a valid card and good repayment record. A card cancelled within 13 months can incur a HKD300 fee.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 500 · Applies to: One HKD500 Welcome Offer cash rebate per eligible new principal cardholder · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD500 fixed cash rebate / HKD5,000 minimum Eligible Spending = 10%; the effective rate can be lower above the threshold and the source states a fixed reward.
• Application or registration is required.
• The promotion runs from 1 January 2025 through 31 December 2026, inclusive.
• The new principal applicant must not have held any principal or supplementary card of any type issued by the Bank in the preceding 12 months. One Welcome Offer applies to the first approved Dah Sing card only.
• Within the first two months after card issuance, the cardholder must accumulate Eligible Spending of at least HKD5,000 and complete at least 5 Eligible Spending transactions. Principal and supplementary-card spending is combined.
• Eligible Spending includes retail, cash advance, autopay, designated mobile payments such as Google Pay, Samsung Pay and Apple Pay, Stocks Investment Savings Plans, interest-free monthly installments, gift-redemption fees and cheque payments. Wallet top-ups, new Octopus through mobile payment, recurring payments including Octopus AAVS and Autotoll, mobile transfers or top-ups including PayMe, TNG, WeChat and AlipayHK, Happy Installment, Cash-In Plan, branch Cash-In, Smart Choice Balance Transfer, Cash Conversion Plan, bank fees, PayEasy, JET Payment, casino and invalid or reversed transactions are excluded.
• The reward is credited within four months after the spending period, settles new purchases only, and requires a valid card and good repayment record. A card cancelled within 13 months can incur a HKD300 fee.
• Welcome Offer Promotion Period: 2025-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Limit: 300 HKD · Promotion Total • Limit applies to: One extra cash rebate per qualifying cardholder • Application, registration or activation required. See conditions. • The offer period is 1 July 2026 through 31 December 2026, inclusive. • The applicant must successfully apply for a principal Dah Sing ONE+ card or other eligible card through the designated online form or mobile app, not through branch staff or a promoter. • A new-to-deposit YOU Banking customer or existing customer must open or upgrade a YOU i-Account as Primary Account Holder from card application through three months after card issuance. • Savings Deposit Growth must reach at least HKD30,000 in each of three consecutive months after account opening. • The reward is available once only and is posted to the eligible card. The card and account must remain valid and in good standing; account closure within 18 months can incur a HKD300 handling fee.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 300 · Applies to: One extra cash rebate per qualifying cardholder · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Application or registration is required.
• The offer period is 1 July 2026 through 31 December 2026, inclusive.
• The applicant must successfully apply for a principal Dah Sing ONE+ card or other eligible card through the designated online form or mobile app, not through branch staff or a promoter.
• A new-to-deposit YOU Banking customer or existing customer must open or upgrade a YOU i-Account as Primary Account Holder from card application through three months after card issuance.
• Savings Deposit Growth must reach at least HKD30,000 in each of three consecutive months after account opening.
• The reward is available once only and is posted to the eligible card. The card and account must remain valid and in good standing; account closure within 18 months can incur a HKD300 handling fee.
• Extra HKD300 Cash Rebate Offer Period: 2026-07-01 – 2026-12-31

This benefit does not apply to a purchase. • Customer: New customer • The formal terms state a monthly handling fee of 0.18% for the Cash-In Plan. • Application, registration or activation required. See conditions. • The offer applies to a new card applicant whose card application is made from 1 July 2026 through 31 December 2026 and who had no Bank card in the preceding 12 months. • The applicant must apply through the hotline at 2828 8002 within the first two months after card issuance. The loan is subject to final approval. • The approved loan amount is up to HKD100,000 or the available credit limit, whichever is lower. The tenor is 6 or 12 months and the monthly handling fee is 0.18%. • Early settlement can incur a HKD300 cancellation fee.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The formal terms state a monthly handling fee of 0.18% for the Cash In Plan.
• Application or registration is required.
• The offer applies to a new card applicant whose card application is made from 1 July 2026 through 31 December 2026 and who had no Bank card in the preceding 12 months.
• The applicant must apply through the hotline at 2828 8002 within the first two months after card issuance. The loan is subject to final approval.
• The approved loan amount is up to HKD100,000 or the available credit limit, whichever is lower. The tenor is 6 or 12 months and the monthly handling fee is 0.18%.
• Early settlement can incur a HKD300 cancellation fee.
• New Credit Cardholder Cash-In Plan Promotion Period: 2026-07-01 – 2026-12-31

This benefit does not apply to a purchase. • Document: The Bank charges the handling fee first and credits the free-spending credit on or before 30 April 2027. The credit is for new transactions only and requires a valid card and good repayment record. • Limit: 10000 HKD · Per Transaction • Limit applies to: First HKD10,000 of approved Happy Installment loan amount per approved application • Application, registration or activation required. See conditions. • The applicant must apply for the new card from 1 July 2026 through 31 December 2026. • Apply through the designated website after logging in to e-Banking or Mobile Banking within the first two months after issuance or on or before 31 March 2027, whichever is earlier, inclusive. • Up to 3 applications can be approved. The offer is for an Eligible Card and cannot be combined with the online application offer for the first 3 applications. • The Bank charges the handling fee first and credits the free-spending credit on or before 30 April 2027. The credit is for new transactions only and requires a valid card and good repayment record. • The 0 handling fee applies to the first HKD10,000 of the approved loan for a maximum 6-month tenor and is available for up to 3 approved applications. Any amount above the first HKD10,000 is outside this waiver.

• Eligibility: Audience: all · Document: The Bank charges the handling fee first and credits the free spending credit on or before 30 April 2027. The credit is for new transactions only and requires a valid card and good repayment record.
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 10000 · Applies to: First HKD10,000 of approved Happy Installment loan amount per approved application · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Application or registration is required.
• The applicant must apply for the new card from 1 July 2026 through 31 December 2026.
• Apply through the designated website after logging in to e-Banking or Mobile Banking within the first two months after issuance or on or before 31 March 2027, whichever is earlier, inclusive.
• Up to 3 applications can be approved. The offer is for an Eligible Card and cannot be combined with the online application offer for the first 3 applications.
• The Bank charges the handling fee first and credits the free-spending credit on or before 30 April 2027. The credit is for new transactions only and requires a valid card and good repayment record.
• The 0 handling fee applies to the first HKD10,000 of the approved loan for a maximum 6-month tenor and is available for up to 3 approved applications. Any amount above the first HKD10,000 is outside this waiver.
• New card application promotion period: 2026-07-01 – 2026-12-31
• Application deadline: within the first two months after issuance or by 31 March 2027, whichever is earlier: Now – 2027-03-31

This benefit does not apply to a purchase. • The product page states a first 2 years annual fee waiver for the Dah Sing ONE+ Credit Card.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The product page states a first 2 years annual fee waiver for the Dah Sing ONE+ Credit Card.

This benefit does not apply to a purchase. • The Key Facts Statement states an interest-free period of up to 60 days for eligible retail purchases when the required balance is paid by the due date. • No interest-free period applies to Cash Advance, Smart Choice Balance Transfer or Cash Conversion Plan balances.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The Key Facts Statement states an interest-free period of up to 60 days for eligible retail purchases when the required balance is paid by the due date.
• No interest-free period applies to Cash Advance, Smart Choice Balance Transfer or Cash Conversion Plan balances.

This benefit does not apply to a purchase. • Audience: Resident • Application, registration or activation required. See conditions. • The product page states an online application flow with identity verification, no proof of income or address, and instant online approval subject to the applicant's actual circumstances. • The stated eligibility is age 18 or above, Hong Kong resident and annual income of at least HKD150,000.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The product page states an online application flow with identity verification, no proof of income or address, and instant online approval subject to the applicant's actual circumstances.
• The stated eligibility is age 18 or above, Hong Kong resident and annual income of at least HKD150,000.

Category or merchant does not match. • Customer: New customer • The product page and C45 formal terms state this extra cash rebate rate for designated online-platform spending. • Limit: 500 HKD · Per Month • Limit applies to: Extra online-platform cash rebate • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Merchants: amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, dian-ping • Eligible merchants: amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, dian-ping • The promotion runs from 1 January 2026 to 31 December 2026. • Eligible monthly retail spending of at least HKD5,000 is required. Principal and supplementary card spending is combined. • The designated-platform purchase must post by the 15th of the next month. The Bank credits the rebate within 90 days after month end. • The offer is limited to one rebate per cardholder per month, up to HKD500. The rebate offsets the card balance only. • The account must be valid and in good standing when the rebate is credited. The Bank may recover the rebate after a refund or cancellation. • The offer cannot be combined with other card promotions except where the terms state otherwise, including the welcome offer. • Excluded online-campaign transactions include installment amounts, car-loan repayments, cash advances, bills, taxes, insurance premiums, casino transactions, bank fees, annual fees, online payment-system payments, stored-value or e-wallet purchases and reloads, financial or non-financial institution transactions, transfers, fund or stock contributions, property transactions, charity, unposted, cancelled or refunded transactions, split bills, and unauthorized, fraudulent, abusive transactions. • The designated platform IDs are amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, and dian-ping. Source aliases include Pinduoduo, Meituan, and Dianping. • Only principal cardholders of OCBC Credit Cards, including co-branded cards, are eligible. • New-card offer: the card application must be approved during the promotion period. The applicant must not have held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the previous 13 months. The 6% rate applies during the first three consecutive months after approval. • Platinum Card applications require applicants to be at least 18 years old and have annual income of at least HKD150,000.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pdd pinduoduo / jd com / mei tuan / dian ping · Type: merchant
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 500 · Applies to: Extra online platform cash rebate · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The product page and C45 formal terms state this extra cash rebate rate for designated online platform spending.
• Application or registration is required.
• The promotion runs from 1 January 2026 to 31 December 2026.
• Eligible monthly retail spending of at least HKD5,000 is required. Principal and supplementary card spending is combined.
• The designated-platform purchase must post by the 15th of the next month. The Bank credits the rebate within 90 days after month end.
• The offer is limited to one rebate per cardholder per month, up to HKD500. The rebate offsets the card balance only.
• The account must be valid and in good standing when the rebate is credited. The Bank may recover the rebate after a refund or cancellation.
• The offer cannot be combined with other card promotions except where the terms state otherwise, including the welcome offer.
• Excluded online-campaign transactions include installment amounts, car-loan repayments, cash advances, bills, taxes, insurance premiums, casino transactions, bank fees, annual fees, online payment-system payments, stored-value or e-wallet purchases and reloads, financial or non-financial institution transactions, transfers, fund or stock contributions, property transactions, charity, unposted, cancelled or refunded transactions, split bills, and unauthorized, fraudulent, abusive transactions.
• The designated platform IDs are amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, and dian-ping. Source aliases include Pinduoduo, Meituan, and Dianping.
• Only principal cardholders of OCBC Credit Cards, including co-branded cards, are eligible.
• New-card offer: the card application must be approved during the promotion period. The applicant must not have held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the previous 13 months. The 6% rate applies during the first three consecutive months after approval.
• Platinum Card applications require applicants to be at least 18 years old and have annual income of at least HKD150,000.
• Online Platform Cash Rebate Promotion Period: 2026-01-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Customer: New customer • The product page and C45 formal terms state this extra cash rebate rate for designated online-platform spending. • Limit: 500 HKD · Per Month • Limit applies to: Extra online-platform cash rebate • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5000 • Merchants: amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, dian-ping • Eligible merchants: amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, dian-ping • The promotion runs from 1 January 2026 to 31 December 2026. • Eligible monthly retail spending of at least HKD5,000 is required. Principal and supplementary card spending is combined. • The designated-platform purchase must post by the 15th of the next month. The Bank credits the rebate within 90 days after month end. • The offer is limited to one rebate per cardholder per month, up to HKD500. The rebate offsets the card balance only. • The account must be valid and in good standing when the rebate is credited. The Bank may recover the rebate after a refund or cancellation. • The offer cannot be combined with other card promotions except where the terms state otherwise, including the welcome offer. • Excluded online-campaign transactions include installment amounts, car-loan repayments, cash advances, bills, taxes, insurance premiums, casino transactions, bank fees, annual fees, online payment-system payments, stored-value or e-wallet purchases and reloads, financial or non-financial institution transactions, transfers, fund or stock contributions, property transactions, charity, unposted, cancelled or refunded transactions, split bills, and unauthorized, fraudulent, abusive transactions. • The designated platform IDs are amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, and dian-ping. Source aliases include Pinduoduo, Meituan, and Dianping. • Only principal cardholders of OCBC Credit Cards, including co-branded cards, are eligible. • New-card offer: the card application must be approved during the promotion period. The applicant must not have held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the previous 13 months. The 5% rate applies after the first three consecutive months. • Platinum Card applications require applicants to be at least 18 years old and have annual income of at least HKD150,000.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pdd pinduoduo / jd com / mei tuan / dian ping · Type: merchant
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 500 · Applies to: Extra online platform cash rebate · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The product page and C45 formal terms state this extra cash rebate rate for designated online platform spending.
• Application or registration is required.
• The promotion runs from 1 January 2026 to 31 December 2026.
• Eligible monthly retail spending of at least HKD5,000 is required. Principal and supplementary card spending is combined.
• The designated-platform purchase must post by the 15th of the next month. The Bank credits the rebate within 90 days after month end.
• The offer is limited to one rebate per cardholder per month, up to HKD500. The rebate offsets the card balance only.
• The account must be valid and in good standing when the rebate is credited. The Bank may recover the rebate after a refund or cancellation.
• The offer cannot be combined with other card promotions except where the terms state otherwise, including the welcome offer.
• Excluded online-campaign transactions include installment amounts, car-loan repayments, cash advances, bills, taxes, insurance premiums, casino transactions, bank fees, annual fees, online payment-system payments, stored-value or e-wallet purchases and reloads, financial or non-financial institution transactions, transfers, fund or stock contributions, property transactions, charity, unposted, cancelled or refunded transactions, split bills, and unauthorized, fraudulent, abusive transactions.
• The designated platform IDs are amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, and dian-ping. Source aliases include Pinduoduo, Meituan, and Dianping.
• Only principal cardholders of OCBC Credit Cards, including co-branded cards, are eligible.
• New-card offer: the card application must be approved during the promotion period. The applicant must not have held an OCBC credit card, including a co-branded card, or an OCBC business debit card in the previous 13 months. The 5% rate applies after the first three consecutive months.
• Platinum Card applications require applicants to be at least 18 years old and have annual income of at least HKD150,000.
• Online Platform Cash Rebate Promotion Period: 2026-01-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Customer: Existing customer • The product page and C45 formal terms state this extra cash rebate rate for designated online-platform spending. • Limit: 500 HKD · Per Month • Limit applies to: Extra online-platform cash rebate • Eligibility: Phase Spend Min: 5000 • Merchants: amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, dian-ping • Eligible merchants: amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, dian-ping • The promotion runs from 1 January 2026 to 31 December 2026. • Eligible monthly retail spending of at least HKD5,000 is required. Principal and supplementary card spending is combined. • The designated-platform purchase must post by the 15th of the next month. The Bank credits the rebate within 90 days after month end. • The offer is limited to one rebate per cardholder per month, up to HKD500. The rebate offsets the card balance only. • The account must be valid and in good standing when the rebate is credited. The Bank may recover the rebate after a refund or cancellation. • The offer cannot be combined with other card promotions except where the terms state otherwise, including the welcome offer. • Excluded online-campaign transactions include installment amounts, car-loan repayments, cash advances, bills, taxes, insurance premiums, casino transactions, bank fees, annual fees, online payment-system payments, stored-value or e-wallet purchases and reloads, financial or non-financial institution transactions, transfers, fund or stock contributions, property transactions, charity, unposted, cancelled or refunded transactions, split bills, and unauthorized, fraudulent, abusive transactions. • The designated platform IDs are amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, and dian-ping. Source aliases include Pinduoduo, Meituan, and Dianping. • Only principal cardholders of OCBC Credit Cards, including co-branded cards, are eligible. • The 5% rate applies to existing cardholders. No application or promotion enrollment is stated.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Applies to: amazon / food panda / keeta / klook / kkday / taobao / tmall / pdd pinduoduo / jd com / mei tuan / dian ping · Type: merchant
• Requirements: Period spend ≥: HK$5,000.00
• Benefit limit: Amount: 500 · Applies to: Extra online platform cash rebate · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: The product page and C45 formal terms state this extra cash rebate rate for designated online platform spending.
• The promotion runs from 1 January 2026 to 31 December 2026.
• Eligible monthly retail spending of at least HKD5,000 is required. Principal and supplementary card spending is combined.
• The designated-platform purchase must post by the 15th of the next month. The Bank credits the rebate within 90 days after month end.
• The offer is limited to one rebate per cardholder per month, up to HKD500. The rebate offsets the card balance only.
• The account must be valid and in good standing when the rebate is credited. The Bank may recover the rebate after a refund or cancellation.
• The offer cannot be combined with other card promotions except where the terms state otherwise, including the welcome offer.
• Excluded online-campaign transactions include installment amounts, car-loan repayments, cash advances, bills, taxes, insurance premiums, casino transactions, bank fees, annual fees, online payment-system payments, stored-value or e-wallet purchases and reloads, financial or non-financial institution transactions, transfers, fund or stock contributions, property transactions, charity, unposted, cancelled or refunded transactions, split bills, and unauthorized, fraudulent, abusive transactions.
• The designated platform IDs are amazon, food-panda, keeta, klook, kkday, taobao, tmall, pdd-pinduoduo, jd-com, mei-tuan, and dian-ping. Source aliases include Pinduoduo, Meituan, and Dianping.
• Only principal cardholders of OCBC Credit Cards, including co-branded cards, are eligible.
• The 5% rate applies to existing cardholders. No application or promotion enrollment is stated.
• Online Platform Cash Rebate Promotion Period: 2026-01-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • The formal Cash Rebate Terms state 0.8% for this transaction category; the source's up-to qualification is retained. • Limit applies to: Cash rebate per statement period; see constraints for the approved-limit formula. • Eligible categories: 本地餐飲 • The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases. • The rebate posts to the next statement. A monthly rebate below HKD1 is not paid. • The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate. • Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions. • For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category. • The 0.8% rate applies to eligible local food and beverage transactions.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Applies to: Cash rebate per statement period; see constraints for the approved limit formula. · Period: not stated · Type: not stated
• Percentage note: The formal Cash Rebate Terms state 0.8% for this transaction category; the source's up to qualification is retained.
• The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases.
• The rebate posts to the next statement. A monthly rebate below HKD1 is not paid.
• The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate.
• Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions.
• For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category.
• The 0.8% rate applies to eligible local food and beverage transactions.

Open source offer ↗

Category or merchant does not match. • The formal Cash Rebate Terms state 0.8% for this transaction category; the source's up-to qualification is retained. • Limit applies to: Cash rebate per statement period; see constraints for the approved-limit formula. • Eligible categories: 海外簽賬 • The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases. • The rebate posts to the next statement. A monthly rebate below HKD1 is not paid. • The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate. • Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions. • For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category. • The 0.8% overseas rate excludes internet transactions and overseas transactions charged in HKD.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Applies to: Cash rebate per statement period; see constraints for the approved limit formula. · Period: not stated · Type: not stated
• Percentage note: The formal Cash Rebate Terms state 0.8% for this transaction category; the source's up to qualification is retained.
• The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases.
• The rebate posts to the next statement. A monthly rebate below HKD1 is not paid.
• The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate.
• Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions.
• For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category.
• The 0.8% overseas rate excludes internet transactions and overseas transactions charged in HKD.

Open source offer ↗

Category or merchant does not match. • The formal Cash Rebate Terms state 0.5% for this transaction category. • Limit applies to: Cash rebate per statement period; see constraints for the approved-limit formula. • Eligible categories: 其他 • The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases. • The rebate posts to the next statement. A monthly rebate below HKD1 is not paid. • The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate. • Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions. • For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category. • The 0.5% rate applies to eligible other retail transactions.

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Applies to: Cash rebate per statement period; see constraints for the approved limit formula. · Period: not stated · Type: not stated
• Percentage note: The formal Cash Rebate Terms state 0.5% for this transaction category.
• The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases.
• The rebate posts to the next statement. A monthly rebate below HKD1 is not paid.
• The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate.
• Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions.
• For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category.
• The 0.5% rate applies to eligible other retail transactions.

Open source offer ↗

Category or merchant does not match. • The formal Cash Rebate Terms state 0.5% for this transaction category. • Limit: 50 HKD · Per Transaction • Limit applies to: Cash rebate from an eligible monthly car-loan repayment transaction • Eligible categories: 借貸/分期付款 • The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases. • The rebate posts to the next statement. A monthly rebate below HKD1 is not paid. • The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate. • Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions. • For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category. • The 0.5% rate applies only to eligible monthly car-loan repayment transactions; the cash rebate is capped at HKD50 per transaction.

• Eligibility: Audience: all
• Eligible spending: Applies to: 借貸/分期付款 · Type: category
• Benefit limit: Amount: 50 · Applies to: Cash rebate from an eligible monthly car loan repayment transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: The formal Cash Rebate Terms state 0.5% for this transaction category.
• The monthly rebate cap is calculated as 0.5% × 5 × the approved credit limit; exclude temporary credit-limit increases and credit-balance increases.
• The rebate posts to the next statement. A monthly rebate below HKD1 is not paid.
• The account must be normal and in good standing when the rebate is credited. Rebate can offset retail or cash-advance balances, but it is not paid as cash. Cancellation forfeits accrued rebate.
• Excluded transactions include cash advances; Flexi-Money cash installments except merchant interest-free plans; bills; balance transfers; casino transactions; fees and charges; counterfeit, unauthorized, cancelled, or refunded transactions.
• For UnionPay transactions in Mainland China, real-estate, automobile, hospital, and tutorial or tuition-fee transactions are excluded. UnionPay or the acquirer sets the merchant category.
• The 0.5% rate applies only to eligible monthly car-loan repayment transactions; the cash rebate is capped at HKD50 per transaction.

Open source offer ↗

The source lists an exclusion affecting 電子錢包增值; eligibility for this purchase is not established. • Customer: New customer • HKD300 / HKD4,800 × 100 = 6.25%; both amounts are in HKD; the effective rate decreases above HKD4,800. • Limit applies to: Welcome cash rebate • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 4800 • Applies to all eligible spending, subject to the conditions. • The applicant must not have held an OCBC credit card, including a co-branded card, in the previous 13 months. • The principal and supplementary card spending is combined. Eligible retail and cash-advance spending of at least HKD4,800 must post within three months after card issuance. • Eligible spending excludes installment amounts, bills, unposted, cancelled or refunded transactions, fraudulent or unauthorized transactions, car-loan repayments, and e-wallet reloads through PayMe, WeChat Pay, or Alipay. • The account must be valid, non-delinquent, and in good financial standing when the rebate is credited. The rebate is credited within eight weeks after the qualifying spend posts. • The offer is available once only. If two or more cards are applied for at the same time, the first approved card receives the reward. • Card application eligibility states annual income of HKD150,000 or above. • If the principal cardholder cancels within one year after the rebate is credited, a separate HKD488 handling fee applies and is debited from the principal account without prior notice. • The product page states a minimum applicant age of 18 years for Platinum Cards.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$4,800.00
• Benefit limit: Applies to: Welcome cash rebate · Period: not stated · Type: not stated
• Percentage note: HKD300 / HKD4,800 × 100 = 6.25%; both amounts are in HKD; the effective rate decreases above HKD4,800.
• Application or registration is required.
• The applicant must not have held an OCBC credit card, including a co-branded card, in the previous 13 months.
• The principal and supplementary card spending is combined. Eligible retail and cash-advance spending of at least HKD4,800 must post within three months after card issuance.
• Eligible spending excludes installment amounts, bills, unposted, cancelled or refunded transactions, fraudulent or unauthorized transactions, car-loan repayments, and e-wallet reloads through PayMe, WeChat Pay, or Alipay.
• The account must be valid, non-delinquent, and in good financial standing when the rebate is credited. The rebate is credited within eight weeks after the qualifying spend posts.
• The offer is available once only. If two or more cards are applied for at the same time, the first approved card receives the reward.
• Card application eligibility states annual income of HKD150,000 or above.
• If the principal cardholder cancels within one year after the rebate is credited, a separate HKD488 handling fee applies and is debited from the principal account without prior notice.
• The product page states a minimum applicant age of 18 years for Platinum Cards.

Open source offer ↗

This benefit does not apply to a purchase. • The benefit waives a fixed annual fee; it is not a percentage-based offer. • Limit applies to: Annual fee waiver • Application, registration or activation required. See conditions. • The UnionPay Platinum principal-card annual fee is waived for the first three years. • The KFS lists the standard principal-card annual fee as HKD1,800 per year; this is the waived amount recorded for the principal card. • Card application eligibility states annual income of HKD150,000 or above. • The source does not confirm that the supplementary-card annual fee is waived. • The product page states a minimum applicant age of 18 years for Platinum Cards.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Annual fee waiver · Period: not stated · Type: not stated
• Percentage note: The benefit waives a fixed annual fee; it is not a percentage based offer.
• Application or registration is required.
• The UnionPay Platinum principal-card annual fee is waived for the first three years.
• The KFS lists the standard principal-card annual fee as HKD1,800 per year; this is the waived amount recorded for the principal card.
• Card application eligibility states annual income of HKD150,000 or above.
• The source does not confirm that the supplementary-card annual fee is waived.
• The product page states a minimum applicant age of 18 years for Platinum Cards.

Open source offer ↗

This benefit does not apply to a purchase. • This benefit is not a percentage-based offer. • Limit applies to: Flexi-Money installment plan • The product page names the Flexi-Money interest-free installment plan as an available financing feature. • The linked Flexi-Money product details were not available in the retained files; amount, term, eligibility, and fees remain unknown.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Flexi Money installment plan · Period: not stated · Type: not stated
• Percentage note: This benefit is not a percentage based offer.
• The product page names the Flexi-Money interest-free installment plan as an available financing feature.
• The linked Flexi-Money product details were not available in the retained files; amount, term, eligibility, and fees remain unknown.

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This benefit does not apply to a purchase. •

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

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

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

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

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

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets of HK$8,000,000 or more for the first three consecutive months after account opening. • Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading. • Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed. • Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card. • A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027. • The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets of HK$8,000,000 or more for the first three consecutive months after account opening.
• Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading.
• Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed.
• Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card.
• A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027.
• The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$5,000,000 to below HK$8,000,000 for the first three consecutive months after account opening. • Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading. • Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed. • Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card. • A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027. • The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$5,000,000 to below HK$8,000,000 for the first three consecutive months after account opening.
• Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading.
• Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed.
• Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card.
• A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027.
• The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$3,000,000 to below HK$5,000,000 for the first three consecutive months after account opening. • Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading. • Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed. • Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card. • A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027. • The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a newly opened Wise Gold account and designated average daily Total Liquid Assets from HK$3,000,000 to below HK$5,000,000 for the first three consecutive months after account opening.
• Complete one eligible investment transaction of HK$100,000 or equivalent in the designated period. Eligible products are investment fund subscription, currency-linked contract, structured deposit, eligible stock trading, investment fund transfer-in, or FX trading.
• Fund subscription must be a lump-sum purchase with a subscription fee of at least 0.6%; money market funds, switching, redemption, and Fund Monthly Saving Plan subscriptions are excluded. A currency-linked contract must have a tenor of at least two weeks. Stock trades must meet the stated HKEX or Stock Connect rules; transfer-in funds must be distributed by the Bank; FX trading must be completed.
• Successfully apply for or hold either the ICBC Wise Gold Credit Card (World Mastercard) or ICBC Wise Gold Dual Currency Credit Card.
• A new customer is one who held no Bank account in sole or joint name during the 12 months before opening, except a customer who held only a credit card. One reward per customer; joint accounts count as one and the primary account holder receives the reward. The reward cannot combine with other account-opening promotions unless stated.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• The first-three-month asset period, eligible transaction period, and reward period depend on the account-opening month. For October openings, the asset period is November 2026–January 2027 and the reward is due by the end of March 2027; for November openings, the periods are December 2026–February 2027 and by the end of April 2027; for December openings, they are January–March 2027 and by the end of May 2027.
• The customer must hold a valid Wise Gold account when the reward is credited. The reward is a free card spending limit for card purchases only, not cash advances or card balances. A customer without the specified card must apply; if the card application is declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • This bonus is additional to one eligible new-customer account-opening tier. The customer must agree to receive the Bank's SMS or email marketing for all product types when opening the account and keep that preference until the reward redemption date. • One bonus per eligible customer. The underlying account-opening reward requires a new Wise Gold account, the applicable average daily Total Liquid Assets tier, one eligible transaction of HK$100,000 or equivalent, and successful application for or holding of either Wise Gold card. • The reward timing depends on the account-opening month and the customer must hold a valid Wise Gold account when credited. If the card application is declined, the customer can notify staff to receive the amount in the Wise Gold HKD savings account. The free spending limit can be used for card purchases only, not cash advances or card balances. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• This bonus is additional to one eligible new-customer account-opening tier. The customer must agree to receive the Bank's SMS or email marketing for all product types when opening the account and keep that preference until the reward redemption date.
• One bonus per eligible customer. The underlying account-opening reward requires a new Wise Gold account, the applicable average daily Total Liquid Assets tier, one eligible transaction of HK$100,000 or equivalent, and successful application for or holding of either Wise Gold card.
• The reward timing depends on the account-opening month and the customer must hold a valid Wise Gold account when credited. If the card application is declined, the customer can notify staff to receive the amount in the Wise Gold HKD savings account. The free spending limit can be used for card purchases only, not cash advances or card balances. Bank staff are not eligible.
• Wise Gold account opening reward: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: Existing customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade. • This HK$4,000 tier requires the average daily Total Liquid Assets to increase by HK$3,000,000 or more over the September 2026 average during the first-three-month calculation period. • An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated. • The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline. • The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade.
• This HK$4,000 tier requires the average daily Total Liquid Assets to increase by HK$3,000,000 or more over the September 2026 average during the first-three-month calculation period.
• An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated.
• The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline.
• The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• successful Wise Gold account upgrade: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: Existing customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade. • This HK$2,000 tier requires the average daily Total Liquid Assets to increase by at least HK$1,500,000 and less than HK$3,000,000 over the September 2026 average during the first-three-month calculation period. • An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period. • Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only. • One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated. • The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline. • The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Requires a successful Wise Gold account upgrade during the promotion period and an average daily Total Liquid Assets balance of at least HK$3,000,000 for the first three consecutive months after upgrade.
• This HK$2,000 tier requires the average daily Total Liquid Assets to increase by at least HK$1,500,000 and less than HK$3,000,000 over the September 2026 average during the first-three-month calculation period.
• An eligible existing customer held a Bank deposit account in sole or joint name before 1 October 2026 and, in the 12 months before the upgrade, had not upgraded to Wise Gold or received a Wise Gold account-opening or upgrade reward. The Bank's system record determines the successful upgrade date; signing the Account Amendment Form starts a 4–5 working-day processing period.
• Total Liquid Assets include Bank deposit balances and investment market value. For a sole-name account, the customer's other joint-account balances also count; joint-account assets count for the primary account holder only.
• One upgrade reward per customer. A customer cannot receive another upgrade reward by upgrading another account after a successful upgrade. The reward cannot combine with other account-opening promotions unless stated.
• The calculation and reward periods depend on the successful upgrade month: October upgrades use November 2026–January 2027 and reward by end-March 2027; November upgrades use December 2026–February 2027 and reward by end-April 2027; December upgrades use January–March 2027 and reward by end-May 2027. September 2026 assets are the comparison baseline.
• The customer must hold a valid Wise Gold account when credited. The free spending limit is credited to an ICBC card account and can be used for card purchases only, not cash advances or card balances. A customer without an ICBC card must apply; if declined, the customer can notify staff to receive the reward in the Wise Gold HKD savings account. Bank staff are not eligible.
• successful Wise Gold account upgrade: 2026-10-01 – 2026-12-31

Open source offer ↗

The source lists an exclusion affecting 電子錢包增值; eligibility for this purchase is not established. • Customer: New customer • A fixed spending-limit reward has no eligible card-spend denominator. • Application, registration or activation required. See conditions. • Available to a Wise Gold account customer who successfully applies for the principal ICBC Wise Gold World Mastercard during the promotion period. • Make one retail purchase or cash advance with the card within the first two months after card issuance. • Not available to a customer who holds any ICBC (Asia) credit card or cancelled any ICBC (Asia) credit card, including an affinity card, during the previous 12 months. • The designated spending requirement excludes balance transfers, cash instalment and loan amounts or repayments, e-wallet reloads or transfers, Octopus add-value transactions, donations, casino chips, gambling, unauthorised or unposted transactions, autopay, and the other transaction types listed in remark 11. Mainland merchant-category exclusions also apply.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fixed spending limit reward has no eligible card spend denominator.
• Application or registration is required.
• Available to a Wise Gold account customer who successfully applies for the principal ICBC Wise Gold World Mastercard during the promotion period.
• Make one retail purchase or cash advance with the card within the first two months after card issuance.
• Not available to a customer who holds any ICBC (Asia) credit card or cancelled any ICBC (Asia) credit card, including an affinity card, during the previous 12 months.
• The designated spending requirement excludes balance transfers, cash instalment and loan amounts or repayments, e-wallet reloads or transfers, Octopus add-value transactions, donations, casino chips, gambling, unauthorised or unposted transactions, autopay, and the other transaction types listed in remark 11. Mainland merchant-category exclusions also apply.
• successful principal card application: 2026-10-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • The source states unlimited lounge access but no percentage rate. • Limit: unlimited. • Limit applies to: designated airport and high-speed rail lounge services • Available to Wise Gold account customers who hold the ICBC Wise Gold World Mastercard. DragonPass provides the designated airport and high-speed rail lounge services. • The service network covers more than 140 countries and regions, including Mainland China, Hong Kong, Macau, and Western countries. The source states unlimited service access during the promotion period. • Cardholders can use the DragonPass website or app to check the service network and lounge locations. DragonPass terms apply; the Bank is not the service provider and is not responsible for its service obligations. Additional Bank and Mastercard terms also apply.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: designated airport and high speed rail lounge services · Period: promotion total · Type: unlimited · Unit: service
• Percentage note: The source states unlimited lounge access but no percentage rate.
• Available to Wise Gold account customers who hold the ICBC Wise Gold World Mastercard. DragonPass provides the designated airport and high-speed rail lounge services.
• The service network covers more than 140 countries and regions, including Mainland China, Hong Kong, Macau, and Western countries. The source states unlimited service access during the promotion period.
• Cardholders can use the DragonPass website or app to check the service network and lounge locations. DragonPass terms apply; the Bank is not the service provider and is not responsible for its service obligations. Additional Bank and Mastercard terms also apply.
• designated airport and high-speed rail lounge services: 2026-10-01 – 2027-03-31

Open source offer ↗

Alternative offer in the same group; only the best group offer is counted. • Limit: unlimited. • Limit applies to: CashBack from eligible Mox Credit Card transactions • Applies to all eligible spending, subject to the conditions. • Requires no Mox+ and the CashBack Spending Rewards Scheme. • CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together. • The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: CashBack from eligible Mox Credit Card transactions · Period: not stated · Type: unlimited
• Requires no Mox+ and the CashBack Spending Rewards Scheme.
• CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together.
• The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.
• Eligible Mox Credit Card transactions: 2026-09-01 – Not stated

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 30 / HKD 1,500 × 100 = 2%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 1500 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD1,500 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$1,500.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 30 / HKD 1,500 × 100 = 2%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD1,500 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 120 / HKD 3,000 × 100 = 4%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD3,000 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 120 / HKD 3,000 × 100 = 4%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD3,000 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 300 / HKD 6,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 6000 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD6,000 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 300 / HKD 6,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD6,000 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

Category or merchant does not match. • Document: Invitation to register for the promotion in the Mox app. • Threshold-equivalent calculation: HKD 450 / HKD 9,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 450 HKD · Per Month • Limit applies to: Combined Xiaomi Spending Promotion rewards for the calendar month • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 9000 • Merchants: mi.com (Hong Kong), Xiaomi Stores (Hong Kong) • Eligible merchants: mi-com-hong-kong, xiaomi-stores-hong-kong • Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD9,000 in the month. • Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served. • Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31. • Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed. • The account and card must remain open and in good standing when the reward is delivered. • Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.

• Eligibility: Audience: all · Document: Invitation to register for the promotion in the Mox app.
• Eligible spending: Applies to: mi com hong kong / xiaomi stores hong kong · Type: merchant
• Requirements: Period spend ≥: HK$9,000.00
• Benefit limit: Amount: 450 · Applies to: Combined Xiaomi Spending Promotion rewards for the calendar month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HKD 450 / HKD 9,000 × 100 = 5%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Cumulative eligible Mox Credit Card spend at Xiaomi must reach HKD9,000 in the month.
• Register in the Mox app during the registration period; the registration quota is 10,000 and is first come, first served.
• Spend at mi.com (Hong Kong) or Xiaomi Stores (Hong Kong); eligible transactions must settle by 2026-10-31.
• Spend Rewards are quota-limited and distributed first come, first served; only one participation is allowed.
• The account and card must remain open and in good standing when the reward is delivered.
• Alipay and WeChat Pay e-payments and e-wallet top-ups do not count toward the spending requirement.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• Mox may deduct the reward value if a qualifying transaction is later reversed, cancelled, or refunded and the spending requirement is no longer met.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• Eligible Xiaomi transactions and promotion registration: 2026-10-01 – 2026-10-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 330 / HKD 1,500 × 100 = 22%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 1500 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD1,500 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$1,500.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 330 / HKD 1,500 × 100 = 22%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD1,500 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 390 / HKD 3,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD3,000 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 390 / HKD 3,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD3,000 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 780 / HKD 6,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 6000 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD6,000 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$6,000.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 780 / HKD 6,000 × 100 = 13%; rounded to 2 decimal places; the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD6,000 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code. • Threshold-equivalent calculation: HKD 750 / HKD 9,000 × 100 = 8.3333…%, rounded to 8.33% (2 decimal places); the rate decreases above the minimum spend. • Limit: 1 reward · Promotion Total • Limit applies to: Spending Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 9000 • Applies to all eligible spending, subject to the conditions. • Eligible Mox Credit Card spending must total at least HKD9,000 within the 60-day Reward Period. • Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time. • The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time. • Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met. • The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used. • A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts. • Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period. • Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a Mox Account; select this welcome offer when using a referral code.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$9,000.00
• Benefit limit: Amount: 1 · Applies to: Spending Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Percentage note: Threshold equivalent calculation: HKD 750 / HKD 9,000 × 100 = 8.3333…%, rounded to 8.33% (2 decimal places); the rate decreases above the minimum spend.
• Application or registration is required.
• Eligible Mox Credit Card spending must total at least HKD9,000 within the 60-day Reward Period.
• Use the invitation or referral code during the Promotion Period, complete Mox account opening within 15 days, and complete the Mox Credit application within 30 days of the Joining Day or Enrollment Time.
• The Reward Period starts on the later of the Mox Credit Approval Day or Enrollment Time.
• Only one Spending Reward is allowed. The terms do not state which tier applies when more than one threshold is met.
• The page shows a different amount for some new-customer tiers; the formal dated PDF reward amount is used.
• A New Customer has not held a Mox Account in the 12 months before the Joining Day; an unused prior account also counts.
• Each Eligible Spending Transaction must be settled by the merchant and shown as completed in the Mox app by the end of the Reward Period.
• Transactions ineligible for Mox Card Rewards do not count; examples include e-wallet top-ups and Octopus top-ups through Apple Pay.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion enrolment and offer selection: 2026-05-04 – 2026-12-31

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Limit applies to: Asia Miles earned from eligible Mox Credit Card transactions • Applies to all eligible spending, subject to the conditions. • Requires no Mox+ and the Asia Miles Spending Rewards Scheme; HKD10 of eligible transaction amount earns 1 Asia Mile. • CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together. • The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: Asia Miles earned from eligible Mox Credit Card transactions · Period: not stated · Type: not stated
• Requires no Mox+ and the Asia Miles Spending Rewards Scheme; HKD10 of eligible transaction amount earns 1 Asia Mile.
• CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together.
• The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.
• Eligible Mox Credit Card transactions: 2026-09-01 – Not stated

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Limit applies to: Asia Miles earned from eligible Mox Credit Card transactions • Applies to all eligible spending, subject to the conditions. • Requires Mox+ and the Asia Miles Spending Rewards Scheme; HKD5 of eligible transaction amount earns 1 Asia Mile. • CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together. • The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: Asia Miles earned from eligible Mox Credit Card transactions · Period: not stated · Type: not stated
• Requires Mox+ and the Asia Miles Spending Rewards Scheme; HKD5 of eligible transaction amount earns 1 Asia Mile.
• CashBack and Asia Miles are alternatives under the selected Spending Rewards Scheme; do not add them together.
• The page refers to the Mox Rewards for Cards Schedule for eligibility and exclusions; that schedule is not in the retained source files.
• Eligible Mox Credit Card transactions: 2026-09-01 – Not stated

Open source offer ↗

Category or merchant does not match. • Limit applies to: Mystery gift at selected Xiaomi Stores • Merchants: Xiaomi Causeway Bay Store, Xiaomi YOHO MALL Store, Xiaomi Mong Kok Chong Hing Plaza Store • Eligible merchants: xiaomi-causeway-bay-store, xiaomi-yoho-mall-store, xiaomi-mong-kok-chong-hing-plaza-store • Available while stocks last; ask store staff for details. The item value and other eligibility terms are not stated. • The gift quota is limited and allocated first come, first served; Mox will announce when the quota is full.

• Eligibility: Audience: all
• Eligible spending: Applies to: xiaomi causeway bay store / xiaomi yoho mall store / xiaomi mong kok chong hing plaza store · Type: merchant
• Benefit limit: Applies to: Mystery gift at selected Xiaomi Stores · Period: not stated · Type: not stated
• Available while stocks last; ask store staff for details. The item value and other eligibility terms are not stated.
• The gift quota is limited and allocated first come, first served; Mox will announce when the quota is full.

Open source offer ↗

This benefit does not apply to a purchase. • Limit: 10000 transaction · Promotion Total • Limit applies to: Approved Split Purchases under the Xiaomi promotion • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 3000 • Merchants: mi.com (Hong Kong), Participating Xiaomi Stores (Hong Kong) • One eligible transaction of at least HKD3,000 at mi.com (Hong Kong) or a participating Xiaomi Store (Hong Kong). • Split Purchase tenor must be 3 to 12 months. • Mox must approve and set up the Split Purchase by 2027-01-07; a cancelled Split Purchase is not eligible. • Quota: 10,000 Approved Split Purchases, first come, first served. • Pay the full Mox Credit statement balance by its due date to avoid finance charges on the instalments.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Minimum requirement: Period: per transaction · Spend: HK$3,000.00
• Benefit limit: Amount: 10000 · Applies to: Approved Split Purchases under the Xiaomi promotion · Period: promotion total · Type: limited · Unit: transaction
• Application or registration is required.
• One eligible transaction of at least HKD3,000 at mi.com (Hong Kong) or a participating Xiaomi Store (Hong Kong).
• Split Purchase tenor must be 3 to 12 months.
• Mox must approve and set up the Split Purchase by 2027-01-07; a cancelled Split Purchase is not eligible.
• Quota: 10,000 Approved Split Purchases, first come, first served.
• Pay the full Mox Credit statement balance by its due date to avoid finance charges on the instalments.
• Eligible Xiaomi purchase and Split Purchase application: 2026-06-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit: 10000 transaction · Promotion Total • Limit applies to: Approved Split Purchases under the Xiaomi promotion • Application, registration or activation required. See conditions. • No monthly fee or one-off fee applies for the full Approved Split Purchase tenor. The normal fee amounts are not stated.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 10000 · Applies to: Approved Split Purchases under the Xiaomi promotion · Period: promotion total · Type: limited · Unit: transaction
• Application or registration is required.
• No monthly fee or one-off fee applies for the full Approved Split Purchase tenor. The normal fee amounts are not stated.
• Approved Xiaomi Split Purchases: 2026-06-01 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Audience: other; Document: Direct invitation from Mox to participate in the selected-customer promotion. • Limit: 1 reward · Promotion Total • Limit applies to: Reward under the selected-customer Split Purchase promotion • Application, registration or activation required. See conditions. • Eligible categories: 借貸/分期付款 • The customer must have no previously approved Split Purchase. • Apply during the Promotion Period for one or more eligible Mox Credit transactions or an eligible statement balance, with total principal of at least HKD5,000 and a tenor of at least 6 months. • Mox must approve the Split Purchase by 2027-01-01. Only one reward is allowed and it is based on the first eligible Split Purchase approved. • The customer must receive a direct Mox invitation to participate. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; no Mox account may be suspended, in arrears, or in default. • The eligible Split Purchase must not be cancelled. • Mox will pay the reward by the last day of the second calendar month after approval.

• Eligibility: Audience: other · Document: Direct invitation from Mox to participate in the selected customer promotion.
• Eligible spending: Applies to: 借貸/分期付款 · Type: category
• Benefit limit: Amount: 1 · Applies to: Reward under the selected customer Split Purchase promotion · Period: promotion total · Type: limited · Unit: reward
• Application or registration is required.
• The customer must have no previously approved Split Purchase.
• Apply during the Promotion Period for one or more eligible Mox Credit transactions or an eligible statement balance, with total principal of at least HKD5,000 and a tenor of at least 6 months.
• Mox must approve the Split Purchase by 2027-01-01. Only one reward is allowed and it is based on the first eligible Split Purchase approved.
• The customer must receive a direct Mox invitation to participate.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; no Mox account may be suspended, in arrears, or in default.
• The eligible Split Purchase must not be cancelled.
• Mox will pay the reward by the last day of the second calendar month after approval.
• Split Purchase application: 2026-01-01 – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer; Document: Use the MOXMI26 invitation code or a referral code to open a new Mox Account. • Limit: 1 reward · Promotion Total • Limit applies to: Savings Reward under the MOXMI26 promotion • Application, registration or activation required. See conditions. • Complete Mox account opening within 15 days after using the invitation or referral code. • Transfer at least HKD50,000 to a Mox HKD savings account by the end of the 7-day fund-in period after the Joining Day or Enrollment Time. • Maintain at least HKD50,000 in Mox HKD savings accounts on every calendar day during the 29-day hold period after the fund-in period; time deposits do not count. • If the balance falls below HKD50,000 at any point in the hold period, the reward is not payable. Only one Savings Reward is allowed; delivery is due by 2027-03-31. • The new-customer rule excludes a Mox Account held in the customer's name during the 12 months before the Joining Day. • Complete the Mox Credit application and receive approval within 30 days after the Joining Day or Enrollment Time, as applicable. • At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default. • The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served. • Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel. • If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.

• Eligibility: Audience: all · Customer status: new · Document: Use the MOXMI26 invitation code or a referral code to open a new Mox Account.
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 1 · Applies to: Savings Reward under the MOXMI26 promotion · Period: promotion total · Type: limited · Unit: reward
• Application or registration is required.
• Complete Mox account opening within 15 days after using the invitation or referral code.
• Transfer at least HKD50,000 to a Mox HKD savings account by the end of the 7-day fund-in period after the Joining Day or Enrollment Time.
• Maintain at least HKD50,000 in Mox HKD savings accounts on every calendar day during the 29-day hold period after the fund-in period; time deposits do not count.
• If the balance falls below HKD50,000 at any point in the hold period, the reward is not payable. Only one Savings Reward is allowed; delivery is due by 2027-03-31.
• The new-customer rule excludes a Mox Account held in the customer's name during the 12 months before the Joining Day.
• Complete the Mox Credit application and receive approval within 30 days after the Joining Day or Enrollment Time, as applicable.
• At reward delivery, the customer must hold a valid Mox Account and Mox Credit; the account must not be suspended, in arrears, or in default.
• The Invitation Code has a 10,000-use quota; selection of this offer with a Referral Code has a separate 10,000-selection quota. Both quotas are first come, first served.
• Mox may decide whether this promotion can combine with other offers and will notify customers through the Mox app, website, or another channel.
• If the customer closes the Mox Account within 12 months of opening it after receiving a benefit, Mox may deduct the benefit value before closure.
• MOXMI26 promotion account opening: 2026-05-04 – 2026-12-31

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: interest free period · Period: not stated · Type: not stated
• KFS states no purchase interest is charged when the balance is paid in full by the due date each month.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: other • Limit applies to: principal annual fee • Available to Priority Banking or Premium Banking clients who meet the relevant Minimum Relationship Balance requirement, or payroll account clients. • Waiver covers one year from the card anniversary. The cardholder must meet the conditions in the annual-fee billing month.

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

This benefit does not apply to a purchase. •

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

This benefit does not apply to a purchase. • Non-spending payment and travel convenience feature; no numeric rate is stated. • The benefit appears under ICBC Horoscope Dual Currency Credit Card Offers and applies to the UnionPay Diamond Card. • Cardholders can enjoy a hassle-free journey across the Greater Bay Area through a series of convenient payment services with the card. • The named services are designated Hong Kong taxis, the Hong Kong-Zhuhai-Macau Bridge cross-bridge fare, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machine, Shenzhen taxis and Guangzhou public buses. • The source states payment convenience only; it does not state a discount, rebate, cap or travel-insurance benefit.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Non spending payment and travel convenience feature; no numeric rate is stated.
• The benefit appears under ICBC Horoscope Dual Currency Credit Card Offers and applies to the UnionPay Diamond Card.
• Cardholders can enjoy a hassle-free journey across the Greater Bay Area through a series of convenient payment services with the card.
• The named services are designated Hong Kong taxis, the Hong Kong-Zhuhai-Macau Bridge cross-bridge fare, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machine, Shenzhen taxis and Guangzhou public buses.
• The source states payment convenience only; it does not state a discount, rebate, cap or travel-insurance benefit.

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

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Non spending dual currency card feature; no numeric rate is stated.
• The card has both HKD and RMB accounts in one card.
• Cardholders can spend with the local currency across Mainland China and Hong Kong.
• This is a card feature, not a transaction reward.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Category or merchant does not match. • Source-stated 1.2% Cash Rebate, comprising 0.4% basic Cash Rebate and 0.8% Extra Cash Rebate for eligible overseas spending. The terms state that the Extra Cash Rebate is subject to a monthly maximum tied to the previous statement credit limit. • Application, registration or activation required. See conditions. • Eligible categories: 海外簽賬 • The HTML page names Mastercard Business Credit Card; the formal terms name Mastercard Platinum Business Credit Card as the Eligible Card. The offer is kept for this Mastercard business-card variant only. • The offer applies to designated cardholders of the Eligible Card and new corporate accounts applied for during the Promotion Period. • Eligible overseas spending is any retail and online spending in foreign-currency transactions. • Eligible spending excludes outstanding balance, cash advance, balance transfer, bank-channel bill payments, credit-card charges, monthly instalments, autopay, recurring transactions, Octopus automatic add-value, electronic-wallet or electronic-money transactions and top-ups, and unposted, unauthorised, cancelled, refunded, fraudulent or other bank-defined ineligible transactions. • Basic Cash Rebate is credited in the current monthly statement and Extra Cash Rebate in the next monthly statement. • The Extra Cash Rebate has a monthly maximum tied to the corresponding cash-rebate rate for the credit limit shown on the previous monthly statement, excluding temporary credit-limit increases. Spending above the monthly limit receives only the basic 0.4% Cash Rebate. • The card account must remain valid and in good standing during the Promotion Period and fulfilment period. Cash Rebate can only be applied against outstanding credit in the relevant account and cannot be withdrawn or transferred. • The Bank determines transaction eligibility from merchant codes, merchant names and transaction types defined by Mastercard or acquiring banks.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Source stated 1.2% Cash Rebate, comprising 0.4% basic Cash Rebate and 0.8% Extra Cash Rebate for eligible overseas spending. The terms state that the Extra Cash Rebate is subject to a monthly maximum tied to the previous statement credit limit.
• Application or registration is required.
• The HTML page names Mastercard Business Credit Card; the formal terms name Mastercard Platinum Business Credit Card as the Eligible Card. The offer is kept for this Mastercard business-card variant only.
• The offer applies to designated cardholders of the Eligible Card and new corporate accounts applied for during the Promotion Period.
• Eligible overseas spending is any retail and online spending in foreign-currency transactions.
• Eligible spending excludes outstanding balance, cash advance, balance transfer, bank-channel bill payments, credit-card charges, monthly instalments, autopay, recurring transactions, Octopus automatic add-value, electronic-wallet or electronic-money transactions and top-ups, and unposted, unauthorised, cancelled, refunded, fraudulent or other bank-defined ineligible transactions.
• Basic Cash Rebate is credited in the current monthly statement and Extra Cash Rebate in the next monthly statement.
• The Extra Cash Rebate has a monthly maximum tied to the corresponding cash-rebate rate for the credit limit shown on the previous monthly statement, excluding temporary credit-limit increases. Spending above the monthly limit receives only the basic 0.4% Cash Rebate.
• The card account must remain valid and in good standing during the Promotion Period and fulfilment period. Cash Rebate can only be applied against outstanding credit in the relevant account and cannot be withdrawn or transferred.
• The Bank determines transaction eligibility from merchant codes, merchant names and transaction types defined by Mastercard or acquiring banks.
• Up to 1.2% Cash Rebate Promotion Period: 2025-02-17 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HK$500 Free Spending Credit / HK$7,000 minimum Eligible Transaction spending = 7.142857%, rounded to six decimal places. The effective rate can be lower above the threshold and the source states a fixed welcome gift. • Limit: 500 HKD · Promotion Total • Limit applies to: One Welcome Gift for each Eligible Credit Card • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 7000 • Applies to all eligible spending, subject to the conditions. • The HTML page names Mastercard Business Credit Card and states a HK$500 Free Spending Credit; the formal terms name Mastercard Platinum Business Credit Card as the Eligible Credit Card. The formal card name controls the eligibility description. • Corporate customers must successfully apply for the Eligible Credit Card during the Promotion Period. The welcome gift is only for corporate customers who did not hold any Corporate Credit Card or Business Credit Card of the Bank in the previous 12 months. • Each Eligible Credit Card can receive this welcome gift once under the promotion. The card account must be valid and in good standing during the redemption period. • Eligible Transaction means retail transactions, online purchases, and purchases or reloads of stored-value cards and e-wallets. The terms exclude cash advances, outstanding balances, balance transfers, bank-channel bill payments including tax, utilities and insurance payments, credit-card charges, unposted, unauthorised, cancelled, refunded, fraudulent and other unqualified transactions. • HK$500 Free Spending Credit is credited to the eligible HKD credit-card account within two months after the Spending Period. The credit cannot be changed after the gift choice is set; if no choice or more than one choice is given, Gift Code A0052 is assigned. • If the Cardholder cancels the Eligible Credit Card within 12 months from welcome-gift redemption, the Bank may charge an HK$600 administrative fee. • The gift is available while stock lasts, is not transferable, returnable or redeemable for cash, and is subject to supplier terms. The Bank may provide an alternative gift if the selected gift is out of stock.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$7,000.00
• Benefit limit: Amount: 500 · Applies to: One Welcome Gift for each Eligible Credit Card · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Threshold equivalent calculation: HK$500 Free Spending Credit / HK$7,000 minimum Eligible Transaction spending = 7.142857%, rounded to six decimal places. The effective rate can be lower above the threshold and the source states a fixed welcome gift.
• Application or registration is required.
• The HTML page names Mastercard Business Credit Card and states a HK$500 Free Spending Credit; the formal terms name Mastercard Platinum Business Credit Card as the Eligible Credit Card. The formal card name controls the eligibility description.
• Corporate customers must successfully apply for the Eligible Credit Card during the Promotion Period. The welcome gift is only for corporate customers who did not hold any Corporate Credit Card or Business Credit Card of the Bank in the previous 12 months.
• Each Eligible Credit Card can receive this welcome gift once under the promotion. The card account must be valid and in good standing during the redemption period.
• Eligible Transaction means retail transactions, online purchases, and purchases or reloads of stored-value cards and e-wallets. The terms exclude cash advances, outstanding balances, balance transfers, bank-channel bill payments including tax, utilities and insurance payments, credit-card charges, unposted, unauthorised, cancelled, refunded, fraudulent and other unqualified transactions.
• HK$500 Free Spending Credit is credited to the eligible HKD credit-card account within two months after the Spending Period. The credit cannot be changed after the gift choice is set; if no choice or more than one choice is given, Gift Code A0052 is assigned.
• If the Cardholder cancels the Eligible Credit Card within 12 months from welcome-gift redemption, the Bank may charge an HK$600 administrative fee.
• The gift is available while stock lasts, is not transferable, returnable or redeemable for cash, and is subject to supplier terms. The Bank may provide an alternative gift if the selected gift is out of stock.
• Mastercard Platinum Business Credit Card Welcome Gift Promotion Period: 2026-04-01 – 2026-12-31

Category or merchant does not match. • Fixed supermarket coupon; the source does not state a percentage of the insurance premium. • Limit: 500 HKD · Promotion Total • Limit applies to: Each eligible General Insurance Policy arranged during the Promotion Period • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 5000 • Eligible categories: 保險 • The offer applies to designated cardholders of the Mastercard Platinum Business Credit Card and new corporate accounts applied for during the Promotion Period. • A HK$500 supermarket coupon is given for a General Insurance Policy insured in the Cardholder name, arranged by the Bank during the Promotion Period, when the premium excluding levy is at least HK$5,000 and is paid with the Eligible Card. • The insurance policy is underwritten and issued by Paofoong Insurance Company (Hong Kong) Limited. The policy is a Paofoong product, not a Bank product; policy acceptance, service and policy liability remain with Paofoong. • The local source does not provide the policy coverage, exclusions or detailed premium terms. The linked policy document is not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Applies to: 保險 · Type: category
• Minimum requirement: Period: per transaction · Spend: HK$5,000.00
• Benefit limit: Amount: 500 · Applies to: Each eligible General Insurance Policy arranged during the Promotion Period · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Fixed supermarket coupon; the source does not state a percentage of the insurance premium.
• Application or registration is required.
• The offer applies to designated cardholders of the Mastercard Platinum Business Credit Card and new corporate accounts applied for during the Promotion Period.
• A HK$500 supermarket coupon is given for a General Insurance Policy insured in the Cardholder name, arranged by the Bank during the Promotion Period, when the premium excluding levy is at least HK$5,000 and is paid with the Eligible Card.
• The insurance policy is underwritten and issued by Paofoong Insurance Company (Hong Kong) Limited. The policy is a Paofoong product, not a Bank product; policy acceptance, service and policy liability remain with Paofoong.
• The local source does not provide the policy coverage, exclusions or detailed premium terms. The linked policy document is not used as evidence.
• Selected Commercial Insurance Products Offer Promotion Period: 2025-02-17 – 2026-12-31

This benefit does not apply to a purchase. • The page names a free corporate-liability benefit but gives no amount, coverage, cap, validity period or percentage. • The Mastercard Business Credit Card page lists Free Corporate Liability under Other Privileges. • The local source does not state the coverage, insurer, policy term, claim conditions or application step. Linked pages are not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page names a free corporate liability benefit but gives no amount, coverage, cap, validity period or percentage.
• The Mastercard Business Credit Card page lists Free Corporate Liability under Other Privileges.
• The local source does not state the coverage, insurer, policy term, claim conditions or application step. Linked pages are not used as evidence.

This benefit does not apply to a purchase. • The page states a discount benefit but gives no rate or cap. • The page states that each Business Credit Card comes with a range of software and services discounts. • The page gives Shopify, Regus, Hubspot, Kaspersky and Priority Pass as examples and uses “etc.”; the complete list and terms are not present locally. • The external Easysavings Specials site is a link target and is not used as evidence.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page states a discount benefit but gives no rate or cap.
• The page states that each Business Credit Card comes with a range of software and services discounts.
• The page gives Shopify, Regus, Hubspot, Kaspersky and Priority Pass as examples and uses “etc.”; the complete list and terms are not present locally.
• The external Easysavings Specials site is a link target and is not used as evidence.

This benefit does not apply to a purchase. • This is a fee waiver, not a spending percentage. • The page states an annual fee waiver for the first year for the Mastercard Business Credit Card. • The page does not state a later annual-fee amount or a separate application condition for the waiver.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fee waiver, not a spending percentage.
• The page states an annual fee waiver for the first year for the Mastercard Business Credit Card.
• The page does not state a later annual-fee amount or a separate application condition for the waiver.

No usable purchase percentage; threshold comparison rates are not flat rewards. • The page names the Bonus Point Reward Scheme but gives no points earning rate, redemption ratio, cap or percentage in the local evidence. • Applies to all eligible spending, subject to the conditions. • The page identifies the product as Visa Business Credit Card and describes the card in the benefit text as Platinum Business Credit Card. • The Bonus Point Reward Scheme is an alternative to the stated HK$1 per HK$250 Cash Rebate Reward Scheme; the two alternatives must not be counted together. • The linked redemption page is not used as evidence, so the points earning and redemption details remain unknown.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page names the Bonus Point Reward Scheme but gives no points earning rate, redemption ratio, cap or percentage in the local evidence.
• The page identifies the product as Visa Business Credit Card and describes the card in the benefit text as Platinum Business Credit Card.
• The Bonus Point Reward Scheme is an alternative to the stated HK$1 per HK$250 Cash Rebate Reward Scheme; the two alternatives must not be counted together.
• The linked redemption page is not used as evidence, so the points earning and redemption details remain unknown.

This benefit does not apply to a purchase. • This is a fee waiver, not a spending percentage. • The page states an annual fee waiver for the first year for the Visa Business Credit Card, whose benefit text calls it the Platinum Business Credit Card. • The page does not state a later annual-fee amount or a separate application condition for the waiver.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fee waiver, not a spending percentage.
• The page states an annual fee waiver for the first year for the Visa Business Credit Card, whose benefit text calls it the Platinum Business Credit Card.
• The page does not state a later annual-fee amount or a separate application condition for the waiver.

Not counted: this offer has the same calculation values as another offer. • Cash-equivalent calculation: HK$1 cash rebate / HK$250 purchase = 0.4%. The source states a purchase-based cash-rebate conversion and no numeric cap or validity period. • Applies to all eligible spending, subject to the conditions. • The page identifies the product as Dual Currency Diamond Corporate Credit Card. • The source states Cash Rebate Reward Scheme as an alternative to the Bonus Point Reward Scheme. • The source does not state transaction exclusions, crediting timing, a cap or a validity period for this local reward.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HK$1 cash rebate / HK$250 purchase = 0.4%. The source states a purchase based cash rebate conversion and no numeric cap or validity period.
• The page identifies the product as Dual Currency Diamond Corporate Credit Card.
• The source states Cash Rebate Reward Scheme as an alternative to the Bonus Point Reward Scheme.
• The source does not state transaction exclusions, crediting timing, a cap or a validity period for this local reward.

No usable purchase percentage; threshold comparison rates are not flat rewards. • The page names the Bonus Point Reward Scheme but gives no points earning rate, redemption ratio, cap or percentage in the local evidence. • Applies to all eligible spending, subject to the conditions. • The page identifies the product as Dual Currency Diamond Corporate Credit Card. • The Bonus Point Reward Scheme is an alternative to the stated HK$1 per HK$250 Cash Rebate Reward Scheme; the two alternatives must not be counted together. • The linked redemption page is not used as evidence, so the points earning and redemption details remain unknown.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The page names the Bonus Point Reward Scheme but gives no points earning rate, redemption ratio, cap or percentage in the local evidence.
• The page identifies the product as Dual Currency Diamond Corporate Credit Card.
• The Bonus Point Reward Scheme is an alternative to the stated HK$1 per HK$250 Cash Rebate Reward Scheme; the two alternatives must not be counted together.
• The linked redemption page is not used as evidence, so the points earning and redemption details remain unknown.

This benefit does not apply to a purchase. • This is a fee waiver, not a spending percentage. • The page states an annual fee waiver for the first year for the Dual Currency Diamond Corporate Credit Card. • The page does not state a later annual-fee amount or a separate application condition for the waiver.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fee waiver, not a spending percentage.
• The page states an annual fee waiver for the first year for the Dual Currency Diamond Corporate Credit Card.
• The page does not state a later annual-fee amount or a separate application condition for the waiver.

This benefit does not apply to a purchase. • The source states a maximum number of days and payment conditions, not a spending percentage. • The KFS is a generic credit-card document linked from the business-card page and states an interest-free period of up to 56 days. • The KFS states that no interest-free period applies to cash advances or bill payment of other credit-card bills. • Interest is not charged when the statement balance is paid in full by the due date; otherwise the KFS describes daily interest on unpaid balances and new transactions.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a maximum number of days and payment conditions, not a spending percentage.
• The KFS is a generic credit-card document linked from the business-card page and states an interest-free period of up to 56 days.
• The KFS states that no interest-free period applies to cash advances or bill payment of other credit-card bills.
• Interest is not charged when the statement balance is paid in full by the due date; otherwise the KFS describes daily interest on unpaid balances and new transactions.
• KFS Effective Date: 2026-04-20 – Not stated

This benefit does not apply to a purchase. • This is a fee waiver, not a spending percentage. • The KFS lists a Paper Statement Fee of HK$5 per month per account, then states that the fee is not applicable to Business / Corporate Credit Cards customers. • The KFS note also lists age, Comprehensive Social Security Assistance and Government Disability Allowance exceptions and provides a fee-waiver contact path for the latter cases.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fee waiver, not a spending percentage.
• The KFS lists a Paper Statement Fee of HK$5 per month per account, then states that the fee is not applicable to Business / Corporate Credit Cards customers.
• The KFS note also lists age, Comprehensive Social Security Assistance and Government Disability Allowance exceptions and provides a fee-waiver contact path for the latter cases.
• KFS Effective Date: 2026-04-20 – Not stated

Category or merchant does not match. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit: 5000 HKD · Per Statement Period • Limit applies to: Eligible Transactions at Designated Merchants that qualify for Extra Cashback • Eligibility: Phase Spend Below: 15000; Phase Spend Min: 4000 • Merchants: china-mobile-hong-kong, s-ash, circle-k-convenience-store, foodpanda, hktvmall, klook, mcdonalds-hong-kong, parknshop, fusion, taste, international, food-le-parc, gourmet, great-food-hall, express, parknshop-frozen-food-stores, parknshop-eshop, watsons, sasa • Eligible merchants: china-mobile-hong-kong, s-ash, circle-k-convenience-store, foodpanda, hktvmall, klook, mcdonalds-hong-kong, parknshop, fusion, taste, international, food-le-parc, gourmet, great-food-hall, express, parknshop-frozen-food-stores, parknshop-eshop, watsons, sasa • Must sign up for and receive a Standard Chartered Smart Credit Card. • The page says no offer registration is required and the offer is available every day. • Monthly Eligible Spending is measured by monthly statement cycle. The source states no Cashback for a month when this spending is below HKD 4,000. • The source defines Eligible Transactions by Clause 3 of the linked Rewards Scheme Terms and Conditions. That definition is not in the retained HTML. • The source says eligible transactions must be completed and posted during a statement cycle in each month of 2026. This does not align clearly with the stated promotion end date of 3 January 2027. • Transactions above the HKD 5,000 extra-Cashback cap count as Other Eligible Transactions and may receive Basic Cashback. • Total Cashback includes Extra Cashback and Basic Cashback. The stated total is 5%. • Cashback for interest-free merchant instalments is awarded monthly, only on the instalment amount posted during the Promotion Period. • The transaction description must show the Designated Merchant name, as determined by the Bank. • The listed HK Ticketing promotion ended on 14 February 2026 and is excluded from this active merchant scope. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents. • The 5% rate applies at designated merchant outlets in Hong Kong SAR only. A digital-wallet transaction qualifies only if the designated merchant name appears in the credit-card statement description. • The 5% cashback includes the basic cashback. Monthly eligible spending must be at least HK$4,000. Spending above the Spending Cap is counted as other eligible transactions and receives the applicable basic rate. • The retained PDF does not state the promotion period, designated merchant list or Spending Cap amount. Its clause 2(b) directs readers to a website for those details; no linked page was used as evidence. • Eligible transactions and exclusions are the same as for basic cashback: retail transactions, including online transactions and interest-free monthly instalments, and Octopus Automatic Add-Value transactions, except card-account transfers or top-ups (including Octopus Wallet, Alipay, FPS and other digital payment accounts), insurance, bill payments through Standard Chartered Online Banking, Phone Banking or JET Payment Services, phone and mail orders, gambling and betting, securities brokers or dealers, listed non-financial-institution and financial-institution transactions, wholesale precious stones, metals, watches and jewellery, cash advances, balance transfers, Instalment Credit, Credit-to-Cash Preferential Annual Rate amounts, tax payments, financial charges and fees, and unposted, cancelled, refunded, falsified or unauthorised transactions. • Cashback is calculated on eligible transactions posted in a monthly statement cycle. Principal and supplementary card transactions on the same account count together. Cashback is rounded down to the nearest cent, is non-transferable, and is shown on the 360° Rewards Redemption Platform rather than automatically credited. The minimum redemption is HK$50 per account redemption. • For interest-free monthly instalments, cashback is awarded monthly only on the instalment amount posted in that month. The Bank may recover cashback after a related transaction is cancelled or refunded, forfeit cashback if the card account closes, or withhold cashback if the account is invalid or not in good financial standing or a minimum payment was late during the preceding 12 months. • The PDF states a 5% total Cashback at designated merchants and says this total includes basic Cashback. It is not an additional extra-Cashback rate.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Applies to: china mobile hong kong / s ash / circle k convenience store / foodpanda / hktvmall / klook / mcdonalds hong kong / parknshop / fusion / taste / international / food le parc / gourmet / great food hall / express / parknshop frozen food stores / parknshop eshop / watsons / sasa · Type: merchant
• Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
• Benefit limit: Amount: 5000 · Applies to: Eligible Transactions at Designated Merchants that qualify for Extra Cashback · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
• Must sign up for and receive a Standard Chartered Smart Credit Card.
• The page says no offer registration is required and the offer is available every day.
• Monthly Eligible Spending is measured by monthly statement cycle. The source states no Cashback for a month when this spending is below HKD 4,000.
• The source defines Eligible Transactions by Clause 3 of the linked Rewards Scheme Terms and Conditions. That definition is not in the retained HTML.
• The source says eligible transactions must be completed and posted during a statement cycle in each month of 2026. This does not align clearly with the stated promotion end date of 3 January 2027.
• Transactions above the HKD 5,000 extra-Cashback cap count as Other Eligible Transactions and may receive Basic Cashback.
• Total Cashback includes Extra Cashback and Basic Cashback. The stated total is 5%.
• Cashback for interest-free merchant instalments is awarded monthly, only on the instalment amount posted during the Promotion Period.
• The transaction description must show the Designated Merchant name, as determined by the Bank.
• The listed HK Ticketing promotion ended on 14 February 2026 and is excluded from this active merchant scope.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.
• The 5% rate applies at designated merchant outlets in Hong Kong SAR only. A digital-wallet transaction qualifies only if the designated merchant name appears in the credit-card statement description.
• The 5% cashback includes the basic cashback. Monthly eligible spending must be at least HK$4,000. Spending above the Spending Cap is counted as other eligible transactions and receives the applicable basic rate.
• The retained PDF does not state the promotion period, designated merchant list or Spending Cap amount. Its clause 2(b) directs readers to a website for those details; no linked page was used as evidence.
• Eligible transactions and exclusions are the same as for basic cashback: retail transactions, including online transactions and interest-free monthly instalments, and Octopus Automatic Add-Value transactions, except card-account transfers or top-ups (including Octopus Wallet, Alipay, FPS and other digital payment accounts), insurance, bill payments through Standard Chartered Online Banking, Phone Banking or JET Payment Services, phone and mail orders, gambling and betting, securities brokers or dealers, listed non-financial-institution and financial-institution transactions, wholesale precious stones, metals, watches and jewellery, cash advances, balance transfers, Instalment Credit, Credit-to-Cash Preferential Annual Rate amounts, tax payments, financial charges and fees, and unposted, cancelled, refunded, falsified or unauthorised transactions.
• Cashback is calculated on eligible transactions posted in a monthly statement cycle. Principal and supplementary card transactions on the same account count together. Cashback is rounded down to the nearest cent, is non-transferable, and is shown on the 360° Rewards Redemption Platform rather than automatically credited. The minimum redemption is HK$50 per account redemption.
• For interest-free monthly instalments, cashback is awarded monthly only on the instalment amount posted in that month. The Bank may recover cashback after a related transaction is cancelled or refunded, forfeit cashback if the card account closes, or withhold cashback if the account is invalid or not in good financial standing or a minimum payment was late during the preceding 12 months.
• The PDF states a 5% total Cashback at designated merchants and says this total includes basic Cashback. It is not an additional extra-Cashback rate.
• Smart Card designated-merchant Cashback promotion: 2026-08-01 – 2027-01-03

Open source offer ↗

Category or merchant does not match. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit: 5000 HKD · Per Statement Period • Limit applies to: Eligible Transactions at Designated Merchants that qualify for Extra Cashback • Merchants: china-mobile-hong-kong, s-ash, circle-k-convenience-store, foodpanda, hktvmall, klook, mcdonalds-hong-kong, parknshop, fusion, taste, international, food-le-parc, gourmet, great-food-hall, express, parknshop-frozen-food-stores, parknshop-eshop, watsons, sasa • Eligible merchants: china-mobile-hong-kong, s-ash, circle-k-convenience-store, foodpanda, hktvmall, klook, mcdonalds-hong-kong, parknshop, fusion, taste, international, food-le-parc, gourmet, great-food-hall, express, parknshop-frozen-food-stores, parknshop-eshop, watsons, sasa • Must sign up for and receive a Standard Chartered Smart Credit Card. • The page says no offer registration is required and the offer is available every day. • The source table lists the Monthly Eligible Spending tier as “HKD 15,000” but gives no comparator. It is unclear whether this means exactly HKD 15,000 or a minimum of HKD 15,000. • The source defines Eligible Transactions by Clause 3 of the linked Rewards Scheme Terms and Conditions. That definition is not in the retained HTML. • The source says eligible transactions must be completed and posted during a statement cycle in each month of 2026. This does not align clearly with the stated promotion end date of 3 January 2027. • Transactions above the HKD 5,000 extra-Cashback cap count as Other Eligible Transactions and may receive Basic Cashback. • Total Cashback includes Extra Cashback and Basic Cashback. The stated total is 5%. • Cashback for interest-free merchant instalments is awarded monthly, only on the instalment amount posted during the Promotion Period. • The transaction description must show the Designated Merchant name, as determined by the Bank. • The listed HK Ticketing promotion ended on 14 February 2026 and is excluded from this active merchant scope. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents. • The 5% rate applies at designated merchant outlets in Hong Kong SAR only. A digital-wallet transaction qualifies only if the designated merchant name appears in the credit-card statement description. • The 5% cashback includes the basic cashback. Monthly eligible spending must be at least HK$4,000. Spending above the Spending Cap is counted as other eligible transactions and receives the applicable basic rate. • The retained PDF does not state the promotion period, designated merchant list or Spending Cap amount. Its clause 2(b) directs readers to a website for those details; no linked page was used as evidence. • Eligible transactions and exclusions are the same as for basic cashback: retail transactions, including online transactions and interest-free monthly instalments, and Octopus Automatic Add-Value transactions, except card-account transfers or top-ups (including Octopus Wallet, Alipay, FPS and other digital payment accounts), insurance, bill payments through Standard Chartered Online Banking, Phone Banking or JET Payment Services, phone and mail orders, gambling and betting, securities brokers or dealers, listed non-financial-institution and financial-institution transactions, wholesale precious stones, metals, watches and jewellery, cash advances, balance transfers, Instalment Credit, Credit-to-Cash Preferential Annual Rate amounts, tax payments, financial charges and fees, and unposted, cancelled, refunded, falsified or unauthorised transactions. • Cashback is calculated on eligible transactions posted in a monthly statement cycle. Principal and supplementary card transactions on the same account count together. Cashback is rounded down to the nearest cent, is non-transferable, and is shown on the 360° Rewards Redemption Platform rather than automatically credited. The minimum redemption is HK$50 per account redemption. • For interest-free monthly instalments, cashback is awarded monthly only on the instalment amount posted in that month. The Bank may recover cashback after a related transaction is cancelled or refunded, forfeit cashback if the card account closes, or withhold cashback if the account is invalid or not in good financial standing or a minimum payment was late during the preceding 12 months. • The PDF states a 5% total Cashback at designated merchants and says this total includes basic Cashback. It is not an additional extra-Cashback rate.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Applies to: china mobile hong kong / s ash / circle k convenience store / foodpanda / hktvmall / klook / mcdonalds hong kong / parknshop / fusion / taste / international / food le parc / gourmet / great food hall / express / parknshop frozen food stores / parknshop eshop / watsons / sasa · Type: merchant
• Benefit limit: Amount: 5000 · Applies to: Eligible Transactions at Designated Merchants that qualify for Extra Cashback · Currency: HKD · Period: per statement period · Type: limited · Unit: currency
• Must sign up for and receive a Standard Chartered Smart Credit Card.
• The page says no offer registration is required and the offer is available every day.
• The source table lists the Monthly Eligible Spending tier as “HKD 15,000” but gives no comparator. It is unclear whether this means exactly HKD 15,000 or a minimum of HKD 15,000.
• The source defines Eligible Transactions by Clause 3 of the linked Rewards Scheme Terms and Conditions. That definition is not in the retained HTML.
• The source says eligible transactions must be completed and posted during a statement cycle in each month of 2026. This does not align clearly with the stated promotion end date of 3 January 2027.
• Transactions above the HKD 5,000 extra-Cashback cap count as Other Eligible Transactions and may receive Basic Cashback.
• Total Cashback includes Extra Cashback and Basic Cashback. The stated total is 5%.
• Cashback for interest-free merchant instalments is awarded monthly, only on the instalment amount posted during the Promotion Period.
• The transaction description must show the Designated Merchant name, as determined by the Bank.
• The listed HK Ticketing promotion ended on 14 February 2026 and is excluded from this active merchant scope.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.
• The 5% rate applies at designated merchant outlets in Hong Kong SAR only. A digital-wallet transaction qualifies only if the designated merchant name appears in the credit-card statement description.
• The 5% cashback includes the basic cashback. Monthly eligible spending must be at least HK$4,000. Spending above the Spending Cap is counted as other eligible transactions and receives the applicable basic rate.
• The retained PDF does not state the promotion period, designated merchant list or Spending Cap amount. Its clause 2(b) directs readers to a website for those details; no linked page was used as evidence.
• Eligible transactions and exclusions are the same as for basic cashback: retail transactions, including online transactions and interest-free monthly instalments, and Octopus Automatic Add-Value transactions, except card-account transfers or top-ups (including Octopus Wallet, Alipay, FPS and other digital payment accounts), insurance, bill payments through Standard Chartered Online Banking, Phone Banking or JET Payment Services, phone and mail orders, gambling and betting, securities brokers or dealers, listed non-financial-institution and financial-institution transactions, wholesale precious stones, metals, watches and jewellery, cash advances, balance transfers, Instalment Credit, Credit-to-Cash Preferential Annual Rate amounts, tax payments, financial charges and fees, and unposted, cancelled, refunded, falsified or unauthorised transactions.
• Cashback is calculated on eligible transactions posted in a monthly statement cycle. Principal and supplementary card transactions on the same account count together. Cashback is rounded down to the nearest cent, is non-transferable, and is shown on the 360° Rewards Redemption Platform rather than automatically credited. The minimum redemption is HK$50 per account redemption.
• For interest-free monthly instalments, cashback is awarded monthly only on the instalment amount posted in that month. The Bank may recover cashback after a related transaction is cancelled or refunded, forfeit cashback if the card account closes, or withhold cashback if the account is invalid or not in good financial standing or a minimum payment was late during the preceding 12 months.
• The PDF states a 5% total Cashback at designated merchants and says this total includes basic Cashback. It is not an additional extra-Cashback rate.
• Smart Card designated-merchant Cashback promotion: 2026-08-01 – 2027-01-03

Open source offer ↗

Purchase inputs do not meet the eligibility rules. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit: unlimited. • Limit applies to: Eligible Transactions • Eligibility: Phase Spend Below: 15000; Phase Spend Min: 4000 • Applies to all eligible spending, subject to the conditions. • Must sign up for and receive a Standard Chartered Smart Credit Card. • The page says no offer registration is required and the offer is available every day. • This rate is shown for Monthly Eligible Spending of HKD 4,000 to HKD 14,999. Monthly spending below HKD 4,000 earns no Cashback for that month. • The source defines Eligible Transactions by Clause 3 of the linked Rewards Scheme Terms and Conditions. That definition is not in the retained HTML. • The source says eligible transactions must be completed and posted during a statement cycle in each month of 2026. This does not align clearly with the stated promotion end date of 3 January 2027. • Total Cashback includes Extra Cashback and Basic Cashback. The stated total is 5%. • Cashback for interest-free merchant instalments is awarded monthly, only on the instalment amount posted during the Promotion Period. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents. • This tier applies when monthly eligible spending is HK$4,000 to HK$14,999. No cashback is awarded for a month with less than HK$4,000 in monthly eligible spending. • Eligible transactions are retail transactions, including online transactions and interest-free monthly instalments, and Octopus Automatic Add-Value transactions. They exclude card-account transfers or top-ups to designated accounts, including Octopus Wallet, Alipay, FPS and other digital payment accounts; insurance payments; bill payments through Standard Chartered Online Banking, Phone Banking or JET Payment Services; phone and mail orders; gambling and betting; securities brokers or dealers; listed non-financial-institution and financial-institution transactions, including foreign currency, money orders, travellers cheques, bank-counter services, wire transfers and funds transfers; wholesale purchases of precious stones, metals, watches and jewellery; cash advances; balance transfers; Instalment Credit and Credit-to-Cash Preferential Annual Rate amounts; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions. • Cashback is calculated on eligible transactions posted in a monthly statement cycle. Principal and supplementary card transactions on the same account count together. Cashback is rounded down to the nearest cent, is non-transferable, and is shown on the 360° Rewards Redemption Platform rather than automatically credited. The minimum redemption is HK$50 per account redemption. • For interest-free monthly instalments, cashback is awarded monthly only on the instalment amount posted in that month. The Bank may recover cashback after a related transaction is cancelled or refunded, forfeit cashback if the card account closes, or withhold cashback if the account is invalid or not in good financial standing or a minimum payment was late during the preceding 12 months. • The 0.56% and 1.20% basic cashback tiers are alternatives. They apply to different monthly spending tiers.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: all
• Requirements: Period spend <: HK$15,000.00 · Period spend ≥: HK$4,000.00
• Benefit limit: Applies to: Eligible Transactions · Currency: HKD · Period: per statement period · Type: unlimited · Unit: currency
• Must sign up for and receive a Standard Chartered Smart Credit Card.
• The page says no offer registration is required and the offer is available every day.
• This rate is shown for Monthly Eligible Spending of HKD 4,000 to HKD 14,999. Monthly spending below HKD 4,000 earns no Cashback for that month.
• The source defines Eligible Transactions by Clause 3 of the linked Rewards Scheme Terms and Conditions. That definition is not in the retained HTML.
• The source says eligible transactions must be completed and posted during a statement cycle in each month of 2026. This does not align clearly with the stated promotion end date of 3 January 2027.
• Total Cashback includes Extra Cashback and Basic Cashback. The stated total is 5%.
• Cashback for interest-free merchant instalments is awarded monthly, only on the instalment amount posted during the Promotion Period.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.
• This tier applies when monthly eligible spending is HK$4,000 to HK$14,999. No cashback is awarded for a month with less than HK$4,000 in monthly eligible spending.
• Eligible transactions are retail transactions, including online transactions and interest-free monthly instalments, and Octopus Automatic Add-Value transactions. They exclude card-account transfers or top-ups to designated accounts, including Octopus Wallet, Alipay, FPS and other digital payment accounts; insurance payments; bill payments through Standard Chartered Online Banking, Phone Banking or JET Payment Services; phone and mail orders; gambling and betting; securities brokers or dealers; listed non-financial-institution and financial-institution transactions, including foreign currency, money orders, travellers cheques, bank-counter services, wire transfers and funds transfers; wholesale purchases of precious stones, metals, watches and jewellery; cash advances; balance transfers; Instalment Credit and Credit-to-Cash Preferential Annual Rate amounts; tax payments; financial charges and fees; and unposted, cancelled, refunded, falsified or unauthorised transactions.
• Cashback is calculated on eligible transactions posted in a monthly statement cycle. Principal and supplementary card transactions on the same account count together. Cashback is rounded down to the nearest cent, is non-transferable, and is shown on the 360° Rewards Redemption Platform rather than automatically credited. The minimum redemption is HK$50 per account redemption.
• For interest-free monthly instalments, cashback is awarded monthly only on the instalment amount posted in that month. The Bank may recover cashback after a related transaction is cancelled or refunded, forfeit cashback if the card account closes, or withhold cashback if the account is invalid or not in good financial standing or a minimum payment was late during the preceding 12 months.
• The 0.56% and 1.20% basic cashback tiers are alternatives. They apply to different monthly spending tiers.
• Smart Card Cashback promotion: 2026-08-01 – 2027-01-03

Open source offer ↗

Category or merchant does not match. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: Foreign currency retail transactions • Eligible categories: 海外簽賬 • The product overview says there are no foreign-currency transaction fees during travel and states a 1.95% fee waiver on foreign currency retail transactions. • The retained HTML does not make clear whether the waiver is limited to transactions made during travel. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Applies to: Foreign currency retail transactions · Period: not stated · Type: not stated
• The product overview says there are no foreign-currency transaction fees during travel and states a 1.95% fee waiver on foreign currency retail transactions.
• The retained HTML does not make clear whether the waiver is limited to transactions made during travel.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit: 60000 HKD · Per Month • Limit applies to: Cash out via FPS • The page states an interest and handling-fee waiver for the first HKD 60,000 monthly cash out via FPS. • The retained HTML does not state further eligibility, timing, or redemption conditions. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 60000 · Applies to: Cash out via FPS · Currency: HKD · Period: per month · Type: limited · Unit: currency
• The page states an interest and handling-fee waiver for the first HKD 60,000 monthly cash out via FPS.
• The retained HTML does not state further eligibility, timing, or redemption conditions.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: Annual fee • The product page states “No annual fees. Ever.” • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents. • The Smart Card terms state a perpetual annual fee waiver for principal and supplementary cardholders. The Smart Card KFS also lists both annual fees as waived.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Annual fee · Period: not stated · Type: not stated
• The product page states “No annual fees. Ever.”
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.
• The Smart Card terms state a perpetual annual fee waiver for principal and supplementary cardholders. The Smart Card KFS also lists both annual fees as waived.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: Cash advance fee • The product page states “No Cash advance fees. Ever.” • This is separate from the FPS cash-out interest and handling-fee waiver. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents. • The waiver applies to cash advances made over the counter or through a Jetco ATM or Visa International ATM Network.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Cash advance fee · Period: not stated · Type: not stated
• The product page states “No Cash advance fees. Ever.”
• This is separate from the FPS cash-out interest and handling-fee waiver.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.
• The waiver applies to cash advances made over the counter or through a Jetco ATM or Visa International ATM Network.

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: reimbursement charges on foreign currency transactions • Reimbursement charges on foreign currency transactions are waived whether the transactions are incurred in or outside Hong Kong SAR. Settlements are made in HKD. Visa International selects the conversion rate when it processes the transaction; market changes can make that rate differ from the rate on the transaction date.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: reimbursement charges on foreign currency transactions · Period: not stated · Type: not stated
• Reimbursement charges on foreign currency transactions are waived whether the transactions are incurred in or outside Hong Kong SAR. Settlements are made in HKD. Visa International selects the conversion rate when it processes the transaction; market changes can make that rate differ from the rate on the transaction date.

This benefit does not apply to a purchase. • Limit applies to: reimbursement charges on HKD transactions incurred outside Hong Kong SAR • Reimbursement charges are waived for HKD transactions incurred outside Hong Kong SAR. A local HKD transaction has no reimbursement charge; this is not a fee waiver for that transaction.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: reimbursement charges on HKD transactions incurred outside Hong Kong SAR · Period: not stated · Type: not stated
• Reimbursement charges are waived for HKD transactions incurred outside Hong Kong SAR. A local HKD transaction has no reimbursement charge; this is not a fee waiver for that transaction.

Category or merchant does not match. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: Handling fees for the listed payment and transfer services • Eligible categories: 賬單及公用事業 • The page lists rent, education expenses, car park fees, and payments to family and friends. • The retained HTML does not state the full eligibility, cap, or date terms for this service. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Applies to: 賬單及公用事業 · Type: category
• Benefit limit: Applies to: Handling fees for the listed payment and transfer services · Period: not stated · Type: not stated
• The page lists rent, education expenses, car park fees, and payments to family and friends.
• The retained HTML does not state the full eligibility, cap, or date terms for this service.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: CashBack for the Credit Card Statement Instalment Plan • The page states up to HKD 1,200 Cashback with the Credit Card Statement Instalment Plan. • The complete promotion terms are not in the retained HTML. The page does not state whether an application or registration step is required. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: CashBack for the Credit Card Statement Instalment Plan · Period: not stated · Type: not stated
• The page states up to HKD 1,200 Cashback with the Credit Card Statement Instalment Plan.
• The complete promotion terms are not in the retained HTML. The page does not state whether an application or registration step is required.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Resident; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: Chance to win Cashback in the Credit Card Statement Instalment Plan • The page describes a chance to win HKD 14,000 Cashback with the Credit Card Statement Instalment Plan. • The complete promotion terms are not in the retained HTML. The page does not state the odds or whether an application or registration step is required. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

• Eligibility: Audience: resident · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Chance to win Cashback in the Credit Card Statement Instalment Plan · Period: not stated · Type: not stated
• The page describes a chance to win HKD 14,000 Cashback with the Credit Card Statement Instalment Plan.
• The complete promotion terms are not in the retained HTML. The page does not state the odds or whether an application or registration step is required.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Audience: Resident; Customer: New customer; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: Annual Bonus Saver rebate • Eligibility: Phase Spend Min: 10000 • Applies to all eligible spending, subject to the conditions. • The source says new Bonus Saver clients can earn up to HKD 1,200 a year when monthly spending of at least HKD 10,000 is made with an SC Credit Card. • The source also mentions a limited-edition Standard Chartered Mickey Keep It Real 999.9 Gold Coin. The complete terms are not in the retained HTML. • The source does not state whether the monthly spending measure applies to this specific Smart Card promotion or list transaction exclusions. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

• Eligibility: Audience: resident · Customer status: new · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$10,000.00
• Benefit limit: Applies to: Annual Bonus Saver rebate · Period: not stated · Type: not stated
• The source says new Bonus Saver clients can earn up to HKD 1,200 a year when monthly spending of at least HKD 10,000 is made with an SC Credit Card.
• The source also mentions a limited-edition Standard Chartered Mickey Keep It Real 999.9 Gold Coin. The complete terms are not in the retained HTML.
• The source does not state whether the monthly spending measure applies to this specific Smart Card promotion or list transaction exclusions.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Audience: Resident; Customer: New customer; Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable. • Limit applies to: Bonus Saver campaign gold coin • Eligibility: Phase Spend Min: 10000 • Applies to all eligible spending, subject to the conditions. • The source mentions a limited-edition Standard Chartered Mickey Keep It Real 999.9 Gold Coin with the Bonus Saver campaign. • The source does not state the coin quantity or full eligibility terms in the retained HTML. • Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

• Eligibility: Audience: resident · Customer status: new · Document: Valid adult Hong Kong Identity Card, residential address proof, and income proof as applicable.
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$10,000.00
• Benefit limit: Applies to: Bonus Saver campaign gold coin · Period: not stated · Type: not stated
• The source mentions a limited-edition Standard Chartered Mickey Keep It Real 999.9 Gold Coin with the Bonus Saver campaign.
• The source does not state the coin quantity or full eligibility terms in the retained HTML.
• Card application eligibility: Hong Kong resident aged 18 or above, annual income of at least HKD 96,000, and the stated identity, address, and income documents.

Open source offer ↗

This benefit does not apply to a purchase. • Customer: New customer • Limit: unlimited. • Limit applies to: eligible 3-month Credit Card Statement Instalment Plans • Application, registration or activation required. See conditions. • The offer applies to a new cardholder who does not currently hold and has not cancelled a principal Standard Chartered or MANHATTAN credit card in the six months before the current principal-card application approval. • The applicant must successfully apply for and receive a principal Smart Card on or before 31 October 2026. • The cardholder must apply for the eligible plan within two months after card issuance and no later than 31 October 2026. The plan must have a 3-month repayment tenor, be applied for successfully through SC Mobile App or online, and receive instant approval without manned intervention. • The promotion states 0% handling fee. It does not state a 0% interest rate.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: eligible 3 month Credit Card Statement Instalment Plans · Period: promotion total · Type: unlimited · Unit: plans
• Application or registration is required.
• The offer applies to a new cardholder who does not currently hold and has not cancelled a principal Standard Chartered or MANHATTAN credit card in the six months before the current principal-card application approval.
• The applicant must successfully apply for and receive a principal Smart Card on or before 31 October 2026.
• The cardholder must apply for the eligible plan within two months after card issuance and no later than 31 October 2026. The plan must have a 3-month repayment tenor, be applied for successfully through SC Mobile App or online, and receive instant approval without manned intervention.
• The promotion states 0% handling fee. It does not state a 0% interest rate.
• promotion period: 2026-10-01 – 2026-10-31

This benefit does not apply to a purchase. • Limit applies to: Smart Card interest-free period • The retained Smart Card KFS states an interest-free period of up to 56 days. It does not state the eligible transaction types or the conditions for receiving the full period.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Smart Card interest free period · Period: not stated · Type: not stated
• The retained Smart Card KFS states an interest-free period of up to 56 days. It does not state the eligible transaction types or the conditions for receiving the full period.