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New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • Limit: 1 transactions · Promotion Total • Limit applies to: One welcome reward per cardholder. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Apply for and receive approval for the Student Visa Gold Card during the promotion period. • Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue. • The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant. • Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions. • RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening. • The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 1 · Applies to: One welcome reward per cardholder. · Period: promotion total · Type: limited · Unit: transactions
• Application or registration is required.
• Apply for and receive approval for the Student Visa Gold Card during the promotion period.
• Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue.
• The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant.
• Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions.
• RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening.
• The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.
• Successful Student Visa Gold Card applications during the promotion period.: 2026-04-01 – 2027-02-28

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Audience: Student; Customer: Existing customer • Limit: 1 transactions · Promotion Total • Limit applies to: One welcome reward per cardholder. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Applies to all eligible spending, subject to the conditions. • Apply for and receive approval for the Student Visa Gold Card during the promotion period. • Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue. • The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant. • Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions. • RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening. • The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.

• Eligibility: Audience: student · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 1 · Applies to: One welcome reward per cardholder. · Period: promotion total · Type: limited · Unit: transactions
• Application or registration is required.
• Apply for and receive approval for the Student Visa Gold Card during the promotion period.
• Spend a cumulative net HKD 2,000 or more on eligible primary-card transactions in the first 60 calendar days after card issue.
• The account must remain valid and in good standing during the promotion and when the reward is credited. A primary HSBC personal credit card cancelled in the 12 months before approval disqualifies the applicant.
• Excluded spend includes fees and interest, supplementary-card transactions, HSBC online or mobile bill payments, stored-value and wallet top-ups (including Octopus Auto Add Value), wallet transactions, cash advances, cash plans and instalment repayments, semi-cash and bank-product transactions, remittances, gambling, tax, direct debit, recurring payments, and unposted, cancelled, or refunded transactions.
• RewardCash is credited within two months after the qualifying spend is completed. HSBC may reclaim it if a qualifying transaction is reversed or the card is cancelled within 13 months of account opening.
• The reward is not convertible or transferable. The promotion can be used once. HSBC may provide only one of concurrent HSBC promotions unless stated otherwise.
• Successful Student Visa Gold Card applications during the promotion period.: 2026-04-01 – 2027-02-28

Open source offer ↗

Category or merchant does not match. • Audience: Student • Limit: 1 transactions · Promotion Total • Limit applies to: One extra rebate per cardholder. • Application, registration or activation required. See conditions. • Eligible categories: 八達通 • Apply for the Student Visa Gold Card by 2026-12-31 and apply for eligible Octopus Auto Add Value of HKD 250 or HKD 500 within the first 60 calendar days after card issue; complete the first auto top-up. • The card account must be valid and in good standing. A primary HSBC personal credit card cancelled in the 12 months before card approval disqualifies the applicant. • The eligible Octopus must not have had an Auto Add Value service successfully set up with any HSBC card on or before 2026-08-30. • HSBC credits the rebate by 2027-08-01. Cancellation or invalidation of the Octopus or Auto Add Value service before credit, or card cancellation within 13 months of account opening, can cause loss or recovery of the rebate. • The rebate cannot be converted to cash or transferred; it applies to future card spending, not outstanding balances. Concurrent HSBC promotions may be limited to one unless stated otherwise.

• Eligibility: Audience: student
• Eligible spending: Applies to: 八達通 · Type: category
• Benefit limit: Amount: 1 · Applies to: One extra rebate per cardholder. · Period: promotion total · Type: limited · Unit: transactions
• Application or registration is required.
• Apply for the Student Visa Gold Card by 2026-12-31 and apply for eligible Octopus Auto Add Value of HKD 250 or HKD 500 within the first 60 calendar days after card issue; complete the first auto top-up.
• The card account must be valid and in good standing. A primary HSBC personal credit card cancelled in the 12 months before card approval disqualifies the applicant.
• The eligible Octopus must not have had an Auto Add Value service successfully set up with any HSBC card on or before 2026-08-30.
• HSBC credits the rebate by 2027-08-01. Cancellation or invalidation of the Octopus or Auto Add Value service before credit, or card cancellation within 13 months of account opening, can cause loss or recovery of the rebate.
• The rebate cannot be converted to cash or transferred; it applies to future card spending, not outstanding balances. Concurrent HSBC promotions may be limited to one unless stated otherwise.
• The Auto Add Value promotion period.: 2026-08-31 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Audience: Student • Limit applies to: HKD 50 basic RewardCash rebate. • Application, registration or activation required. See conditions. • Eligible categories: 八達通 • Register Octopus Auto Add Value through the HSBC Reward+ application. • The product page gives no separate validity period or complete qualification terms. The linked full terms are not part of the retained source set.

• Eligibility: Audience: student
• Eligible spending: Applies to: 八達通 · Type: category
• Benefit limit: Applies to: HKD 50 basic RewardCash rebate. · Period: not stated · Type: not stated
• Application or registration is required.
• Register Octopus Auto Add Value through the HSBC Reward+ application.
• The product page gives no separate validity period or complete qualification terms. The linked full terms are not part of the retained source set.

Open source offer ↗

Category or merchant does not match. • Audience: Student • The page states up to 6x RewardCash and up to 2.4%; it also states HKD 4.17 equals one mile. Detailed program terms are not retained. • Limit applies to: Red Hot Choice RewardCash earning. • Eligible categories: 最紅自主獎賞簽賬類別 • Applies to Red Hot Choice spending categories. The retained page does not list the exact categories, enrollment steps, eligible transactions, or caps.

• Eligibility: Audience: student
• Eligible spending: Applies to: 最紅自主獎賞簽賬類別 · Type: category
• Benefit limit: Applies to: Red Hot Choice RewardCash earning. · Period: not stated · Type: not stated
• Percentage note: The page states up to 6x RewardCash and up to 2.4%; it also states HKD 4.17 equals one mile. Detailed program terms are not retained.
• Applies to Red Hot Choice spending categories. The retained page does not list the exact categories, enrollment steps, eligible transactions, or caps.

Open source offer ↗

Category or merchant does not match. • Threshold-equivalent calculation: HKD 30 / HKD 300 x 100 = 10%; the effective rate decreases above the HKD 300 minimum spend. • Limit: 1 transactions · Per Day • Limit applies to: One Eslite discount per eligible cardholder per day. • Minimum spend: Period: per_transaction; Spend: 300 • Eligibility: One of: Payment Methods: visa-contactless OR Payment Methods: apple-pay OR Payment Methods: google-pay OR Payment Methods: samsung-pay • Merchants: eslite • Eligible merchants: eslite • One transaction must have a final net amount of at least HKD 300 at Hong Kong Eslite Bookstores or Eslite Living Time. Eslite Lifestyle counters and pop-up stores are excluded. • Pay with an eligible HSBC Visa card by Visa contactless or mobile payment using Apple Pay, Google Pay, or Samsung Pay. For mobile payment, show the added eligible card to the cashier; the physical Visa card must support contactless payment. • The card account must remain active and in good standing. Do not combine with another cash discount or offer. Keep the original receipt. Cancelled or refunded transactions require return of the discount.

• Eligibility: Audience: all
• Eligible spending: Applies to: eslite · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$300.00
• Requirements: Pay with: visa contactless or Pay with: apple pay or Pay with: google pay or Pay with: samsung pay
• Benefit limit: Amount: 1 · Applies to: One Eslite discount per eligible cardholder per day. · Period: per day · Type: limited · Unit: transactions
• Percentage note: Threshold equivalent calculation: HKD 30 / HKD 300 x 100 = 10%; the effective rate decreases above the HKD 300 minimum spend.
• One transaction must have a final net amount of at least HKD 300 at Hong Kong Eslite Bookstores or Eslite Living Time. Eslite Lifestyle counters and pop-up stores are excluded.
• Pay with an eligible HSBC Visa card by Visa contactless or mobile payment using Apple Pay, Google Pay, or Samsung Pay. For mobile payment, show the added eligible card to the cashier; the physical Visa card must support contactless payment.
• The card account must remain active and in good standing. Do not combine with another cash discount or offer. Keep the original receipt. Cancelled or refunded transactions require return of the discount.
• Qualifying Eslite purchases.: 2026-01-01 – 2026-12-31

Open source offer ↗

The offer is not available on the snapshot weekday or date. • Source-stated 5% of the final net order amount after discounts, including delivery, platform, and other applicable fees. • Limit: 15 HKD · Per Transaction • Limit applies to: Foodpanda RewardCash balance rebate per qualifying order. • Minimum spend: Period: per_transaction; Spend: 200 • Merchants: foodpanda • Eligible merchants: foodpanda • Place a qualifying food delivery or self-pickup order through the foodpanda website or app. The final net amount must be at least HKD 200. • The cardholder must have active foodpanda pandapro membership. Orders for pandapro subscriptions or vouchers, third-party or e-wallet payments, unposted, cancelled, refunded, fraudulent, or unauthorised transactions do not qualify. • There are 24,900 offers per eligible month, first come, first served. Rebate is deposited to pandapay within 48 hours and must be used within 7 days. foodpanda may recover the rebate for cancellations or refunds.

• Eligibility: Audience: all
• Eligible spending: Applies to: foodpanda · Type: merchant
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Amount: 15 · Applies to: Foodpanda RewardCash balance rebate per qualifying order. · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
• Percentage note: Source stated 5% of the final net order amount after discounts, including delivery, platform, and other applicable fees.
• Place a qualifying food delivery or self-pickup order through the foodpanda website or app. The final net amount must be at least HKD 200.
• The cardholder must have active foodpanda pandapro membership. Orders for pandapro subscriptions or vouchers, third-party or e-wallet payments, unposted, cancelled, refunded, fraudulent, or unauthorised transactions do not qualify.
• There are 24,900 offers per eligible month, first come, first served. Rebate is deposited to pandapay within 48 hours and must be used within 7 days. foodpanda may recover the rebate for cancellations or refunds.
• Each Wednesday and Saturday during the promotion period.: 2026-01-03 – 2026-12-30

Open source offer ↗

Category or merchant does not match. • Customer: New customer • Limit: 1 transactions · Lifetime • Limit applies to: One KKBOX offer per cardholder. • Merchants: kkbox • Eligible merchants: kkbox • For a new KKBOX customer on the single-user, standard-sound plan. The price is HKD 99 per month for the first three months, then HKD 65 per month. • Each cardholder can enjoy the offer once. The retained source does not state the offer dates.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: kkbox · Type: merchant
• Benefit limit: Amount: 1 · Applies to: One KKBOX offer per cardholder. · Period: lifetime · Type: limited · Unit: transactions
• For a new KKBOX customer on the single-user, standard-sound plan. The price is HKD 99 per month for the first three months, then HKD 65 per month.
• Each cardholder can enjoy the offer once. The retained source does not state the offer dates.

Open source offer ↗

Category or merchant does not match. • Calculated from the source-stated 9折 price: 100% - 90% = 10% discount. • Limit applies to: Full-price CGV Cinemas tickets. • Merchants: cgv-cinemas • Eligible merchants: cgv-cinemas • The product page states the discount applies to full-price cinema tickets. No validity period is stated.

• Eligibility: Audience: all
• Eligible spending: Applies to: cgv cinemas · Type: merchant
• Benefit limit: Applies to: Full price CGV Cinemas tickets. · Period: not stated · Type: not stated
• Percentage note: Calculated from the source stated 9折 price: 100% 90% = 10% discount.
• The product page states the discount applies to full-price cinema tickets. No validity period is stated.

Open source offer ↗

This benefit does not apply to a purchase. • Audience: Student • Limit applies to: Primary Visa Gold annual membership fee. • The student-card terms grant a permanent annual fee waiver. The KFS lists a standard HKD 600 annual fee for a primary Visa Gold card.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: Primary Visa Gold annual membership fee. · Period: not stated · Type: not stated
• The student-card terms grant a permanent annual fee waiver. The KFS lists a standard HKD 600 annual fee for a primary Visa Gold card.

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Limit applies to: Spending instalment plan. • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 1000 • Applies to all eligible spending, subject to the conditions. • A cardholder may apply for the spending instalment plan for a single transaction of HKD 1,000 or more through Reward+ or HSBC HK App. • The retained product page does not state plan charges or full eligibility terms. Do not treat this plan as the separate interest-free merchant instalment plan.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Minimum requirement: Period: per transaction · Spend: HK$1,000.00
• Benefit limit: Applies to: Spending instalment plan. · Period: not stated · Type: not stated
• Application or registration is required.
• A cardholder may apply for the spending instalment plan for a single transaction of HKD 1,000 or more through Reward+ or HSBC HK App.
• The retained product page does not state plan charges or full eligibility terms. Do not treat this plan as the separate interest-free merchant instalment plan.

Open source offer ↗

Alternative offer in the same group; only the best group offer is counted. • Audience: Student • Cash-equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Applies to all eligible spending, subject to the conditions. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • This is the general Cash Rebate Scheme tier for eligible card spending; special double-rebate conditions are stated separately in the same source terms. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD1 ÷ HKD250 × 100 = 0.4%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• This is the general Cash Rebate Scheme tier for eligible card spending; special double-rebate conditions are stated separately in the same source terms.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Alternative offer in the same group; only the best group offer is counted. • Audience: Student • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Applies to all eligible spending, subject to the conditions. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • Double cash rebate applies to spending made on the Eligible Cardholder's own birthday. Principal and supplementary cardholders can use their own respective birthdays; one cardholder cannot use another cardholder's birthday. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• Double cash rebate applies to spending made on the Eligible Cardholder's own birthday. Principal and supplementary cardholders can use their own respective birthdays; one cardholder cannot use another cardholder's birthday.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

This benefit does not apply to a purchase. • Audience: Student; Customer: New customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2800 • New principal card applicant only: the applicant must not have held any principal or supplementary card of any type issued by Dah Sing Bank in the past 12 months. • The applicant must successfully apply for the Dah Sing Distinction Platinum Card during the 2026 Promotion Period. Each Eligible Cardholder can apply for one Eligible Card and receive this welcome offer once only; if other Dah Sing credit cards are also applied for, the welcome offer is available through the first approved Dah Sing credit card only. • Accumulate Eligible Spending of HKD2,800 or above within the first 2 months from the card issuance date. Eligible Spending includes retail purchases, cash advances, autopay, recurring payments, interest-free monthly installments, gift redemption fees if applicable, and cheque payments if applicable; the source lists the exclusions in the evidence. • The rebate is credited within 8 weeks after the spending requirement is met as credit-card free spending credit. The card account must be valid and in good standing; the credit is not transferable, refundable, or exchangeable for cash. • If the awarded card account is cancelled within 13 months from card issuance, the Bank may debit a HKD300 handling fee. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: not applicable
• Requirements: Period spend ≥: HK$2,800.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New principal card applicant only: the applicant must not have held any principal or supplementary card of any type issued by Dah Sing Bank in the past 12 months.
• The applicant must successfully apply for the Dah Sing Distinction Platinum Card during the 2026 Promotion Period. Each Eligible Cardholder can apply for one Eligible Card and receive this welcome offer once only; if other Dah Sing credit cards are also applied for, the welcome offer is available through the first approved Dah Sing credit card only.
• Accumulate Eligible Spending of HKD2,800 or above within the first 2 months from the card issuance date. Eligible Spending includes retail purchases, cash advances, autopay, recurring payments, interest-free monthly installments, gift redemption fees if applicable, and cheque payments if applicable; the source lists the exclusions in the evidence.
• The rebate is credited within 8 weeks after the spending requirement is met as credit-card free spending credit. The card account must be valid and in good standing; the credit is not transferable, refundable, or exchangeable for cash.
• If the awarded card account is cancelled within 13 months from card issuance, the Bank may debit a HKD300 handling fee.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student • Application, registration or activation required. See conditions. • Successfully apply for a principal Dah Sing Distinction Platinum Card through the designated online application form or Dah Sing Mobile Banking App during the promotion period. Applications submitted through the online form or app by branch staff or a credit-card promoter are excluded. • Become a new-to-deposit YOU Banking customer, or as an existing deposit customer open or upgrade to a YOU i-Account as Primary Account Holder, from the card application date to 3 months after the new card issuance date. • Achieve Savings Deposit Growth of HKD30,000 or above in 3 consecutive months from the calendar month following the YOU i-Account opening. The source defines this as average daily savings deposit balance less the deposit benchmark; the benchmark is HKD0 for new-to-deposit customers and the specified prior-month eligible balance for existing deposit customers. • The eligible card and YOU Banking account must be valid and in good standing when the rebate is credited. The offer is available once only, and closing the card or YOU Banking account within 18 months of card issuance may cause a HKD300 handling fee. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Successfully apply for a principal Dah Sing Distinction Platinum Card through the designated online application form or Dah Sing Mobile Banking App during the promotion period. Applications submitted through the online form or app by branch staff or a credit-card promoter are excluded.
• Become a new-to-deposit YOU Banking customer, or as an existing deposit customer open or upgrade to a YOU i-Account as Primary Account Holder, from the card application date to 3 months after the new card issuance date.
• Achieve Savings Deposit Growth of HKD30,000 or above in 3 consecutive months from the calendar month following the YOU i-Account opening. The source defines this as average daily savings deposit balance less the deposit benchmark; the benchmark is HKD0 for new-to-deposit customers and the specified prior-month eligible balance for existing deposit customers.
• The eligible card and YOU Banking account must be valid and in good standing when the rebate is credited. The offer is available once only, and closing the card or YOU Banking account within 18 months of card issuance may cause a HKD300 handling fee.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Cash Rebate Offer Promotion Period: 2026-07-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student • Application, registration or activation required. See conditions. • Successfully apply for a principal Dah Sing Distinction Platinum Card during the Extra HKD300 Cash Rebate Offer Promotion Period and successfully join VIP Banking or Hello Kitty VIP Banking as a Primary Account Holder within the applicable quarter. • The applicant must not have maintained or cancelled VIP Banking or Hello Kitty VIP Banking during the prior period specified for the card-issuance quarter. Maintain total balance of HKD1,000,000 or above, or equivalent, at the applicable VIP i-Account or Hello Kitty VIP i-Account maintenance date. • The terms provide quarter-specific join dates, prior-period restrictions, maintenance dates, and rebate posting dates. The relevant card and VIP account must be valid and in good standing when the rebate is issued. • Each Eligible New VIP Banking Customer can receive this extra cash rebate once only, regardless of the number of VIP accounts opened. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Successfully apply for a principal Dah Sing Distinction Platinum Card during the Extra HKD300 Cash Rebate Offer Promotion Period and successfully join VIP Banking or Hello Kitty VIP Banking as a Primary Account Holder within the applicable quarter.
• The applicant must not have maintained or cancelled VIP Banking or Hello Kitty VIP Banking during the prior period specified for the card-issuance quarter. Maintain total balance of HKD1,000,000 or above, or equivalent, at the applicable VIP i-Account or Hello Kitty VIP i-Account maintenance date.
• The terms provide quarter-specific join dates, prior-period restrictions, maintenance dates, and rebate posting dates. The relevant card and VIP account must be valid and in good standing when the rebate is issued.
• Each Eligible New VIP Banking Customer can receive this extra cash rebate once only, regardless of the number of VIP accounts opened.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Student; Customer: New customer • Application, registration or activation required. See conditions. • The card page states that a successful card application and joining VIP Banking provide fabulous welcome rewards. • The amount, form, eligibility details, validity period, and cap are not stated in the local card page. The page links to VIP Banking terms; linked pages are not used as evidence in this workflow. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The card page states that a successful card application and joining VIP Banking provide fabulous welcome rewards.
• The amount, form, eligibility details, validity period, and cap are not stated in the local card page. The page links to VIP Banking terms; linked pages are not used as evidence in this workflow.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Category or merchant does not match. • Audience: Student • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: direct-debit • Eligible categories: 慈善捐款 • Double cash rebate applies to donations and payments to Diocesan Boys' School Foundation Limited. • Use the Foundation direct debit authorization form for the donation or payment items listed in that form. Individual transaction and Cash Rebate Scheme exclusions apply. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 慈善捐款 · Type: category
• Requirements: Pay with: direct debit
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Application or registration is required.
• Double cash rebate applies to donations and payments to Diocesan Boys' School Foundation Limited.
• Use the Foundation direct debit authorization form for the donation or payment items listed in that form. Individual transaction and Cash Rebate Scheme exclusions apply.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Category or merchant does not match. • Audience: Student • Cash-equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual-transaction rule and no cash rebate for an individual transaction below HKD250. The source-stated category, birthday, overseas, and other limits remain in constraints. • Eligible categories: 海外簽賬 • Double cash rebate applies to overseas transactions. Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong. • Individual transaction and Cash Rebate Scheme exclusions apply. • Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 ÷ HKD250 × 100 = 0.8%; source states an individual transaction rule and no cash rebate for an individual transaction below HKD250. The source stated category, birthday, overseas, and other limits remain in constraints.
• Double cash rebate applies to overseas transactions. Overseas transactions include HKD or foreign-currency transactions made outside Hong Kong, foreign-currency transactions made in Hong Kong, and transactions at any merchant not registered in Hong Kong.
• Individual transaction and Cash Rebate Scheme exclusions apply.
• Cash Rebate Scheme is calculated per individual transaction; an individual transaction below HKD250 earns no rebate. Valid transactions include retail purchase amounts and Octopus AAVS amounts. Exclusions include cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. The Bank has final decision on applicability.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Category or merchant does not match. • Audience: Student • Limit: 25 HKD · Per Month • Limit applies to: First HKD500 Octopus AAVS amount in each month • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: octopus-aavs • Eligible categories: 八達通 • Apply for Octopus AAVS with the Eligible Card successfully within 2 months from the card issuance date. Make at least one retail transaction with the card in each month to receive the offer for that month. • The offer applies only to the Eligible Cardholder's Octopus AAVS amount. The card account must be valid and in good standing, and Octopus AAVS must be maintained when the rebate is credited. • Only the first HKD500 of Octopus AAVS each month qualifies; the maximum rebate is HKD25 per month. The offer lasts for 12 months starting in the month when Octopus AAVS is successfully set up. • The source lists exclusions including cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 八達通 · Type: category
• Requirements: Pay with: octopus aavs
• Benefit limit: Amount: 25 · Applies to: First HKD500 Octopus AAVS amount in each month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Application or registration is required.
• Apply for Octopus AAVS with the Eligible Card successfully within 2 months from the card issuance date. Make at least one retail transaction with the card in each month to receive the offer for that month.
• The offer applies only to the Eligible Cardholder's Octopus AAVS amount. The card account must be valid and in good standing, and Octopus AAVS must be maintained when the rebate is credited.
• Only the first HKD500 of Octopus AAVS each month qualifies; the maximum rebate is HKD25 per month. The offer lasts for 12 months starting in the month when Octopus AAVS is successfully set up.
• The source lists exclusions including cash advance, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer Program, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy Bill Payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees, casino transactions, and unposted, cancelled, refunded, unauthorized, or chargeback transactions.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

This benefit does not apply to a purchase. • Audience: Student • Every time the card is used, the Bank contributes a portion of the spending to Diocesan Boys' School in support of educational and research development. • The amount, percentage, cap, and timing of the contribution are not stated on the local card page. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Every time the card is used, the Bank contributes a portion of the spending to Diocesan Boys' School in support of educational and research development.
• The amount, percentage, cap, and timing of the contribution are not stated on the local card page.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

No comparable purchase saving is specified for this benefit type. • Audience: Student • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: direct-debit • Eligible categories: 學費／課程 • Available with the direct debit authorization payment service for children's DBS tuition fees, lunch box fees, school bus fare, and donation or payment to DBS Foundation Limited. • The source states up to 60 days interest-free repayment period; no further period rule is stated for this DBS direct-debit feature. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 學費／課程 · Type: category
• Requirements: Pay with: direct debit
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Available with the direct debit authorization payment service for children's DBS tuition fees, lunch box fees, school bus fare, and donation or payment to DBS Foundation Limited.
• The source states up to 60 days interest-free repayment period; no further period rule is stated for this DBS direct-debit feature.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

This benefit does not apply to a purchase. • Audience: Student • No interest is charged when the statement balance is paid in full by the due date. The length of the interest-free period depends on when the purchase is made within the statement cycle. • No interest-free period applies to cash advance, Smart Choice Balance Transfer Program, or Cash Conversion Plan. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• No interest is charged when the statement balance is paid in full by the due date. The length of the interest-free period depends on when the purchase is made within the statement cycle.
• No interest-free period applies to cash advance, Smart Choice Balance Transfer Program, or Cash Conversion Plan.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 餐飲 • Dining is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Dining is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 時裝 • Fashion is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 時裝 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Fashion is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 美容／個人護理 • Beauty is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 美容／個人護理 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Beauty is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 其他 • Lifestyle is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Lifestyle is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Audience: Student • Application, registration or activation required. See conditions. • Eligible categories: 旅遊 • Travel is listed under Year-round Merchant Offers for the 2026 Promotion Period. • The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred. • Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply. • Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.

• Eligibility: Audience: student
• Eligible spending: Applies to: 旅遊 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The complete list of eligible merchants is not available.
• Travel is listed under Year-round Merchant Offers for the 2026 Promotion Period.
• The local HTML contains only the category label and an image reference for the detailed offer. No matching image file is present in source_folder, so no rate, cap, named merchant, or redemption detail is inferred.
• Year-round Merchant Offer rules: the Eligible Cardholder must settle full payment with the Eligible Card; third-party mobile payment applications or platforms are excluded; a designated promo code is required if applicable; regular-priced items apply unless otherwise specified; the offer cannot be combined with other promotions or vouchers unless otherwise specified; availability, merchant terms, and stock limits apply.
• Card eligibility: applicant must be aged 18 or above, be a Hong Kong resident, meet the annual income requirement of HKD150,000, and be a DBS Alumni, member of DBS Alumni Parents' Association, member of Diocesan School Old Boys Association, parent or guardian of a student, Old Boy studying at the school, School Committee member, teacher, or staff member.
• Year-round Merchant Offers Promotion Period: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • Fixed welcome gift; the source states no cash value or percentage denominator. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded. • Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift. • New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card. • Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions. • Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date. • Once the gift is chosen it cannot be exchanged. Gifts are first come, first served while stocks last; the Bank may offer a replacement if stock is unavailable, and gifts cannot be exchanged for cash. • The suitcase redemption letter is mailed within 2 weeks after the spending requirement is met. The applicant must redeem the gift with the letter; redemption details are in the letter and lost, stolen or damaged letters are not reissued. • The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and at redemption. • The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. • The gift is supplied by participating merchants. Product photos and reference retail prices are for reference, and product or service complaints are directed to the relevant merchant.

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

New-customer offers are excluded from this purchase comparison. • Audience: Student; Customer: New customer • Fixed welcome gift; the source states no cash value or percentage denominator. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded. • Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift. • New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card. • Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions. • Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date. • Once the gift is chosen it cannot be exchanged. Gifts are first come, first served while stocks last; the Bank may offer a replacement if stock is unavailable, and gifts cannot be exchanged for cash. • The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and at redemption. • The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails. • The gift is supplied by participating merchants. Product photos and reference retail prices are for reference, and product or service complaints are directed to the relevant merchant.

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

Whole-dollar rebate rounding requires the statement total or an explicit per-transaction basis. • Audience: Student; Customer: New customer • Threshold-equivalent calculation: HK$500 Spending Rebate ÷ HK$3,000 minimum eligible spending × 100 = 16.67% at the inclusive minimum; the effective rate can be lower above the threshold because the rebate is fixed. The source states that the rebate is rounded to the nearest dollar and cannot be redeemed for cash. • Limit: 500 HKD · Promotion Total • Limit applies to: One HK$500 Spending Rebate per eligible new cardholder • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to an applicant who does not hold the principal card of any card type issued by Bank of Communications (Hong Kong) Limited in Hong Kong at card application or in the preceding 12 months; supplementary cards are excluded. • Applicants must successfully apply for the principal Go-Goal Platinum Card during 1 January 2026 to 31 December 2026. A Greater Bay Area CUP Dual Currency Diamond Card principal-card applicant is not entitled to an extra welcome gift. • New-card eligible spending of HKD3,000 or above must be accumulated within the first 3 months after the new card issue date. Supplementary-card spending is combined with the related principal card. • Eligible spending includes local, overseas and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS, and cash advance by physical card or Apple Pay bound to the Eligible Credit Card. The terms exclude cash or purchase instalments, balance transfers, MPF or SVC contributions, online bill payment through the Bank, casino chips, travellers cheques, credit-card charges and Bank-designated exclusions. • Unposted, cancelled, refunded or fraudulent transactions are not eligible. Eligible transactions must post to the designated credit-card account within 3 months from the new card issue date. • The rebate is credited within 2 months after the month in which the relevant spending requirement is met and is rounded to the nearest dollar. It can be used only for retail spending; it cannot be used as cash advance, to offset finance charges or earlier outstanding balances, or be redeemed for cash or other gifts, refunded or transferred. • The card account must remain valid and in good credit status during the Promotion Period, fulfilment period and when the rebate is awarded. • The Bank may charge HKD600 per card for an ineligible or duplicate gift, ineligible spending, or gift fraud or abuse. It may also charge HKD600 if the applicant cancels the new card within 13 months after issue. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only. The Bank may vary or terminate the promotion without prior notice; its decision is final in disputes and the Chinese version prevails.

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

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

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

This benefit does not apply to a purchase. • Audience: Student • This is a repayment-tenor feature with a handling fee, not a spending percentage. • The HTML page states that tuition-fee payment can use repayment of up to 24 months by paying a one-off handling fee. • The allowed HTML does not state the handling-fee amount, a separate application step, or other numerical condition for this feature. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

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

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

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

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

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

This benefit does not apply to a purchase. • Audience: Student • This is an annual-fee waiver, not a spending percentage. • The Go-Goal page states a perpetual annual fee waiver for the Go-Goal Platinum Card. • The allowed HTML does not state the standard annual fee amount, separate principal or supplementary-card scope, or an additional condition for the waiver. • The HTML card description says the Go-Goal Card is applicable to university and tertiary students only.

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

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 ↗

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. • 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 ↗

This benefit does not apply to a purchase. • Audience: Resident • Limit: unlimited. • Application, registration or activation required. See conditions. • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The formal DragonPass guide sets the promotion period as 2026-04-01 to 2027-03-31; the Wise Gold promotion page states a 2026-07-01 start, and the formal guide controls the resolved date. • The benefit applies to the ICBC Wise Gold Dual Currency Credit Card - UnionPay Diamond Card. Primary and supplementary card lounge services are calculated separately. • Register with the cardholder's reserved mobile number. Benefits from multiple ICBC (Asia) cards cannot be accumulated and only one card can be used for registration. • Activation requires the DragonPass website or app and RMB3 card validation. The cardholder must present the DragonPass card or benefit link, scan the QR code and verify the information. • The service is for the cardholder only and cannot be transferred or lent. Companion service for the Wise Gold cards is not available from 2026-02-01. • Lounge entry may be restricted when airports or high-speed railway stations are overcrowded. Service availability and operating hours vary by lounge and follow DragonPass rules. • The Bank may disqualify the benefit when DragonPass data does not match Bank records, card validity is not recognised, or fraudulent, abusive or malicious arbitrage activity is found.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: unlimited
• Application or registration is required.
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The formal DragonPass guide sets the promotion period as 2026-04-01 to 2027-03-31; the Wise Gold promotion page states a 2026-07-01 start, and the formal guide controls the resolved date.
• The benefit applies to the ICBC Wise Gold Dual Currency Credit Card - UnionPay Diamond Card. Primary and supplementary card lounge services are calculated separately.
• Register with the cardholder's reserved mobile number. Benefits from multiple ICBC (Asia) cards cannot be accumulated and only one card can be used for registration.
• Activation requires the DragonPass website or app and RMB3 card validation. The cardholder must present the DragonPass card or benefit link, scan the QR code and verify the information.
• The service is for the cardholder only and cannot be transferred or lent. Companion service for the Wise Gold cards is not available from 2026-02-01.
• Lounge entry may be restricted when airports or high-speed railway stations are overcrowded. Service availability and operating hours vary by lounge and follow DragonPass rules.
• The Bank may disqualify the benefit when DragonPass data does not match Bank records, card validity is not recognised, or fraudulent, abusive or malicious arbitrage activity is found.
• promotion: 2026-04-01 – 2027-03-31

This benefit does not apply to a purchase. • Audience: Resident • Limit: 500000 USD • Limit applies to: personal accident insurance indemnity • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The card page states coverage for accidental death or permanent disablement, loss of limb, loss of sight, loss of speech and loss of hearing during a journey on public conveyance. • Coverage, exclusions, indemnity limits and compensation are subject to the AXA group insurance policy and related terms. Aon Hong Kong Limited is the insurance broker for enquiries and claims support.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 500000 · Applies to: personal accident insurance indemnity · Currency: USD · Period: not stated · Type: limited · Unit: currency
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The card page states coverage for accidental death or permanent disablement, loss of limb, loss of sight, loss of speech and loss of hearing during a journey on public conveyance.
• Coverage, exclusions, indemnity limits and compensation are subject to the AXA group insurance policy and related terms. Aon Hong Kong Limited is the insurance broker for enquiries and claims support.

This benefit does not apply to a purchase. • Audience: Resident • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • This UnionPay Diamond card feature covers payment and travel services in the Greater Bay Area, including Hong Kong-Zhuhai-Macao Bridge tolls and shuttle bus, the Hong Kong section of Guangzhou-Shenzhen-Hong Kong High-speed Rail, Guangzhou-Shenzhen intercity trains, Railway 12306, selected Mainland metro and taxi services, MTR, KMB, Long Win Bus, Citybus, selected taxis, toll tunnels and highways.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• This UnionPay Diamond card feature covers payment and travel services in the Greater Bay Area, including Hong Kong-Zhuhai-Macao Bridge tolls and shuttle bus, the Hong Kong section of Guangzhou-Shenzhen-Hong Kong High-speed Rail, Guangzhou-Shenzhen intercity trains, Railway 12306, selected Mainland metro and taxi services, MTR, KMB, Long Win Bus, Citybus, selected taxis, toll tunnels and highways.

Category or merchant does not match. • Audience: Resident • Eligible categories: 海外簽賬 • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The card has HKD and RMB accounts. Cardholders can spend in local currency across the Chinese Mainland and Hong Kong, with a foreign-exchange-fee waiver for spending in CNY and foreign currencies.

• Eligibility: Audience: resident
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The card has HKD and RMB accounts. Cardholders can spend in local currency across the Chinese Mainland and Hong Kong, with a foreign-exchange-fee waiver for spending in CNY and foreign currencies.

This benefit does not apply to a purchase. • Audience: Resident • Application, registration or activation required. See conditions. • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • Download the UnionPay App and bind the ICBC Dual Currency Credit Card to use QR-code payment and access Hong Kong, Macau and cross-border privileges.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• Download the UnionPay App and bind the ICBC Dual Currency Credit Card to use QR-code payment and access Hong Kong, Macau and cross-border privileges.

This benefit does not apply to a purchase. • Audience: Resident • Available only to invited persons. • The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account. • If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available. • The source lists UnionPay premium privileges such as entertainment, travel, dining and shopping. The linked UnionPay page is not used as evidence.

• Eligibility: Audience: resident
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Available only to invited persons.
• The principal card applicant must be a Hong Kong resident over 18 and hold an ICBC Wise Gold integrated account.
• If the ICBC Wise Gold account is cancelled, the related card becomes invalid and its exclusive offers are no longer available.
• The source lists UnionPay premium privileges such as entertainment, travel, dining and shopping. The linked UnionPay page is not used as evidence.

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • This is a fixed voucher reward with no percentage denominator. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • New customers who successfully apply for the ICBC SUP Credit Card or Dual Currency Credit Card and meet the designated spending requirement are eligible. • Spend HK$/RMB 3,000 on purchases or cash advances within the first 2 months of new card issuance to receive the HK$300 SUP Retail eVoucher. • Each applicant may receive only one application gift, card activation gift and/or welcome offer for the first ICBC Credit Card, regardless of the number of successful applications. • The offer is first-come-first-served and subject to available stock.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a fixed voucher reward with no percentage denominator.
• Application or registration is required.
• New customers who successfully apply for the ICBC SUP Credit Card or Dual Currency Credit Card and meet the designated spending requirement are eligible.
• Spend HK$/RMB 3,000 on purchases or cash advances within the first 2 months of new card issuance to receive the HK$300 SUP Retail eVoucher.
• Each applicant may receive only one application gift, card activation gift and/or welcome offer for the first ICBC Credit Card, regardless of the number of successful applications.
• The offer is first-come-first-served and subject to available stock.

Merchant eligibility cannot be established from the incomplete source list. • Source-stated 15% discount. • Limit: 1 transactions · Per Day • Limit applies to: One use of the SUP spending privilege per cardholder per day • Application, registration or activation required. See conditions. • Eligible categories: 書店／文具 • From 2026-04-01 to 2028-03-31, inclusive, the ICBC SUP Dual Currency Credit Card - UnionPay Diamond Card receives 15% off General Books published by SUP at SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press. • Each cardholder may use the SUP spending privilege once per day. • The source footnote lists restrictions and eligible item classes, including non-book products, sale and yellow-tag products, magazines, textbooks, reference books, academic publications, supplementary exercises, designated professional law books, Jin Yong novels, multimedia products, book vouchers, gift cards, workshop or event registration fees, designated-partner merchandise, café F&B items, Afterword Lounge admission fees, plastic shopping-bag levy payments, One Book Club activation cards and specified products. • The privileges are provided by SUP and are subject to its terms. The source gives named shop examples but not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 書店／文具 · Type: category
• Benefit limit: Amount: 1 · Applies to: One use of the SUP spending privilege per cardholder per day · Period: per day · Type: limited · Unit: transactions
• Percentage note: Source stated 15% discount.
• Application or registration is required.
• The complete list of eligible merchants is not available.
• From 2026-04-01 to 2028-03-31, inclusive, the ICBC SUP Dual Currency Credit Card - UnionPay Diamond Card receives 15% off General Books published by SUP at SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press.
• Each cardholder may use the SUP spending privilege once per day.
• The source footnote lists restrictions and eligible item classes, including non-book products, sale and yellow-tag products, magazines, textbooks, reference books, academic publications, supplementary exercises, designated professional law books, Jin Yong novels, multimedia products, book vouchers, gift cards, workshop or event registration fees, designated-partner merchandise, café F&B items, Afterword Lounge admission fees, plastic shopping-bag levy payments, One Book Club activation cards and specified products.
• The privileges are provided by SUP and are subject to its terms. The source gives named shop examples but not a complete local merchant list.
• SUP Spending and Year-round dining offers: 2026-04-01 – 2028-03-31

Merchant eligibility cannot be established from the incomplete source list. • Source-stated 30% discount. • Limit: 1 transactions · Per Day • Limit applies to: One use of the SUP dining privilege per cardholder per day • Eligible categories: 本地餐飲 • From 2026-04-01 to 2028-03-31, inclusive, the ICBC SUP Dual Currency Credit Card - UnionPay Diamond Card receives 30% off the SUP year-round dining offer at SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press. • The offer applies to regular-price a la carte dine-in or takeaway dining orders. • The offer does not apply to fixed meals, set menus, other non-dine-in or takeaway consignment items, dining services operated by Pacific Coffee, or government plastic bags and related environmental charges. • Each cardholder may use the privilege once per day. The privileges are provided by SUP and are subject to its terms; the source gives named shop examples but not a complete local merchant list.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Amount: 1 · Applies to: One use of the SUP dining privilege per cardholder per day · Period: per day · Type: limited · Unit: transactions
• Percentage note: Source stated 30% discount.
• The complete list of eligible merchants is not available.
• From 2026-04-01 to 2028-03-31, inclusive, the ICBC SUP Dual Currency Credit Card - UnionPay Diamond Card receives 30% off the SUP year-round dining offer at SUP book shops, including Joint Publishing, Chung Hwa Book Co. and The Commercial Press.
• The offer applies to regular-price a la carte dine-in or takeaway dining orders.
• The offer does not apply to fixed meals, set menus, other non-dine-in or takeaway consignment items, dining services operated by Pacific Coffee, or government plastic bags and related environmental charges.
• Each cardholder may use the privilege once per day. The privileges are provided by SUP and are subject to its terms; the source gives named shop examples but not a complete local merchant list.
• SUP Spending and Year-round dining offers: 2026-04-01 – 2028-03-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • This is a fixed discount; the source does not state a fixed comparison price for calculation. • Limit: 1 transactions · Per Day • Limit applies to: One selected instant discount per cardholder per day • Eligibility: Payment Methods: physical-card • Applies to all eligible spending, subject to the conditions. • From 2026-04-01 to 2027-03-31, inclusive, physical-card holders may select only one of the two instant-discount choices. • Each cardholder may use the selected discount at most once per day. The source does not state that the two choices can be combined. • The offers are subject to the source terms and conditions and available stock.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Pay with: physical card
• Benefit limit: Amount: 1 · Applies to: One selected instant discount per cardholder per day · Period: per day · Type: limited · Unit: transactions
• Percentage note: This is a fixed discount; the source does not state a fixed comparison price for calculation.
• From 2026-04-01 to 2027-03-31, inclusive, physical-card holders may select only one of the two instant-discount choices.
• Each cardholder may use the selected discount at most once per day. The source does not state that the two choices can be combined.
• The offers are subject to the source terms and conditions and available stock.
• Instant Discount Offer: 2026-04-01 – 2027-03-31

No usable purchase percentage; threshold comparison rates are not flat rewards. • This is a fixed discount; the source does not state a fixed comparison price for calculation. • Limit: 1 transactions · Per Day • Limit applies to: One selected instant discount per cardholder per day • Eligibility: Payment Methods: physical-card • Applies to all eligible spending, subject to the conditions. • From 2026-04-01 to 2027-03-31, inclusive, physical-card holders may select only one of the two instant-discount choices. • Each cardholder may use the selected discount at most once per day. The source does not state that the two choices can be combined. • The offers are subject to the source terms and conditions and available stock.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Requirements: Pay with: physical card
• Benefit limit: Amount: 1 · Applies to: One selected instant discount per cardholder per day · Period: per day · Type: limited · Unit: transactions
• Percentage note: This is a fixed discount; the source does not state a fixed comparison price for calculation.
• From 2026-04-01 to 2027-03-31, inclusive, physical-card holders may select only one of the two instant-discount choices.
• Each cardholder may use the selected discount at most once per day. The source does not state that the two choices can be combined.
• The offers are subject to the source terms and conditions and available stock.
• Instant Discount Offer: 2026-04-01 – 2027-03-31

The offer is not confirmed active on the snapshot date. • The source states 2.5%; no calculation was used. • Limit: 500 HKD · Promotion Total • Limit applies to: Rebate Offer across both phases; maximum HK$250 in each phase • Eligibility: Payment Methods: mobile-banking; online-banking; Phase Spend Min: 1000 • Eligible categories: 學費／課程 • The promotion runs from 2026-04-01 to 2027-03-31, inclusive, and is divided into Phase 1 (2026-04-01 to 2026-09-30) and Phase 2 (2026-10-01 to 2027-03-31). • The cardholder must be an ICBC SUP Credit Card or Dual Currency Credit Card principal cardholder and pay HK$1,000 or more of designated-school tuition through ICBC Mobile Banking or Online Banking. • A designated school is a school whose tuition can be paid through the Bill Payment function of ICBC Mobile Banking or ICBC Online Banking. • The source calls the benefit an extra 2.5% free credit-card spending limit and the formal terms call it a Rebate Offer credited to the card account. • The maximum Rebate Offer is HK$250 in each phase and HK$500 across both phases. Phase 1 crediting is in November 2026 and Phase 2 crediting is in May 2027. • The offer is limited to 1,000 principal cardholders on a first-come-first-served basis and is subject to available quota. Fraudulent or abusive transactions can disqualify the cardholder, and the Bank may change or terminate the promotion.

• Eligibility: Audience: all
• Eligible spending: Applies to: 學費／課程 · Type: category
• Requirements: Pay with: mobile banking / online banking · Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 500 · Applies to: Rebate Offer across both phases; maximum HK$250 in each phase · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: The source states 2.5%; no calculation was used.
• The promotion runs from 2026-04-01 to 2027-03-31, inclusive, and is divided into Phase 1 (2026-04-01 to 2026-09-30) and Phase 2 (2026-10-01 to 2027-03-31).
• The cardholder must be an ICBC SUP Credit Card or Dual Currency Credit Card principal cardholder and pay HK$1,000 or more of designated-school tuition through ICBC Mobile Banking or Online Banking.
• A designated school is a school whose tuition can be paid through the Bill Payment function of ICBC Mobile Banking or ICBC Online Banking.
• The source calls the benefit an extra 2.5% free credit-card spending limit and the formal terms call it a Rebate Offer credited to the card account.
• The maximum Rebate Offer is HK$250 in each phase and HK$500 across both phases. Phase 1 crediting is in November 2026 and Phase 2 crediting is in May 2027.
• The offer is limited to 1,000 principal cardholders on a first-come-first-served basis and is subject to available quota. Fraudulent or abusive transactions can disqualify the cardholder, and the Bank may change or terminate the promotion.
• Tuition promotion Phase 1: 2026-04-01 – 2026-09-30
• Tuition promotion Phase 2: 2026-10-01 – 2027-03-31

This benefit does not apply to a purchase. • The source provides a service heading without a numeric percentage. • The ICBC (Asia) Credit Card page lists exclusive courtesy VIP lounges as an ICBC SUP Dual Currency Credit Card benefit heading. • The local page links to a separate shopping and dining promotion page; detailed lounge eligibility is not included in the local source.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source provides a service heading without a numeric percentage.
• The ICBC (Asia) Credit Card page lists exclusive courtesy VIP lounges as an ICBC SUP Dual Currency Credit Card benefit heading.
• The local page links to a separate shopping and dining promotion page; detailed lounge eligibility is not included in the local source.

The source calendar restrictions cannot be confirmed for this date. • The source states financing rates and repayment tenors, not a spending-reward percentage. • Application, registration or activation required. See conditions. • 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% for a 12-month tenor based on a HK$10,000 installment amount; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively. • APR is calculated under 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. Terms and conditions and relevant fees and charges apply. • Application hotline: 2533 8686. Office hours are Monday to Friday, 10am to 6pm, except public holidays; after the language option is selected, press 9 to speak to a representative.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states financing rates and repayment tenors, not a spending reward percentage.
• Application or registration is required.
• 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% for a 12-month tenor based on a HK$10,000 installment amount; APR for 24- and 36-month tenors is 5.46% and 5.48% respectively.
• APR is calculated under 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. Terms and conditions and relevant fees and charges apply.
• Application hotline: 2533 8686. Office hours are Monday to Friday, 10am to 6pm, except public holidays; after the language option is selected, press 9 to speak to a representative.

This benefit does not apply to a purchase. • The source lists participating transport and payment channels without a numeric percentage. • The source lists designated Hong Kong taxis, Hong Kong-Zhuhai-Macau 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 machines, Shenzhen taxis and Guangzhou public buses.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source lists participating transport and payment channels without a numeric percentage.
• The source lists designated Hong Kong taxis, Hong Kong-Zhuhai-Macau 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 machines, Shenzhen taxis and Guangzhou public buses.

This benefit does not apply to a purchase. • The source describes account and currency handling without a numeric percentage. • The card has HKD and RMB accounts. Local-currency spending in Mainland China and Hong Kong is settled from the corresponding account, and the source states that foreign-exchange fees are waived for spending in CNY and foreign currencies.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source describes account and currency handling without a numeric percentage.
• The card has HKD and RMB accounts. Local-currency spending in Mainland China and Hong Kong is settled from the corresponding account, and the source states that foreign-exchange fees are waived for spending in CNY and foreign currencies.

This benefit does not apply to a purchase. • The source describes an app-binding feature without a numeric percentage. • Application, registration or activation required. See conditions. • Eligibility: Payment Methods: unionpay-app • Download the UnionPay App and bind it with the ICBC Dual Currency Credit Card to access Hong Kong, Macau and cross-border privileges. The source does not enumerate the linked QR-code privileges.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: unionpay app
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source describes an app binding feature without a numeric percentage.
• Application or registration is required.
• Download the UnionPay App and bind it with the ICBC Dual Currency Credit Card to access Hong Kong, Macau and cross-border privileges. The source does not enumerate the linked QR-code privileges.

Category or merchant does not match. • The source states a fee waiver but provides no percentage. • Eligible categories: 海外簽賬 • When spending overseas with the ICBC SUP Dual Currency Credit Card, the cardholder can receive a handling-fee waiver and exemption from extra charges caused by exchange fluctuation. The source does not state a monetary limit.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fee waiver but provides no percentage.
• When spending overseas with the ICBC SUP Dual Currency Credit Card, the cardholder can receive a handling-fee waiver and exemption from extra charges caused by exchange fluctuation. The source does not state a monetary limit.

Alternative offer in the same group; only the best group offer is counted. • Audience: Senior • Cash-equivalent calculation: HKD2 cash reward ÷ HKD200 Eligible Transaction × 100 = 1%. The amount is calculated per eligible transaction up to the last integer; each transaction below HKD200 earns no cash reward. • Minimum spend: Period: per_transaction; Spend: 200 • Applies to all eligible spending, subject to the conditions. • The Cash Reward Scheme applies to principal and supplementary cardholders of the Dah Sing DORAEMON Credit Card. • Eligible Transactions are retail purchase amounts and Octopus Automatic Add Value Service amounts only. • Eligible Transactions exclude cash advances, autopay, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment amounts, JET Payment amounts, tax payments, interest-free monthly instalment amounts, cheque payment amounts if applicable, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions. • Cash reward is calculated for each Eligible Transaction up to the last integer shown on the monthly statement. A transaction below HKD200 does not receive cash reward. The Bank has the final decision on whether a transaction is eligible. • Cash reward is credited monthly. If a DORAEMON Kids Savings Account was successfully applied for together with an Eligible Card, rewards for principal and supplementary cardholders are credited to designated account or accounts, divided proportionally across a maximum of three accounts; otherwise rewards are credited to the respective Eligible Card account. • If a relevant Eligible Transaction is cancelled or charged off after the reward is distributed, the Bank may debit the equivalent reward value from the Eligible Card account without prior notice. • Cash reward is for settling new purchases only. It is not transferable and cannot be redeemed for cash, withdrawn as a cash advance, or exchanged for a gift or discount. • The HTML lists Rewards Through Octopus Auto-reload and says bonus points. The dated formal terms define Octopus AAVS amounts as Eligible Transactions under the Cash Reward Scheme; the formal terms control and no separate points rate is emitted. • The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

• Eligibility: Audience: senior
• Eligible spending: Type: all
• Minimum requirement: Period: per transaction · Spend: HK$200.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Cash equivalent calculation: HKD2 cash reward ÷ HKD200 Eligible Transaction × 100 = 1%. The amount is calculated per eligible transaction up to the last integer; each transaction below HKD200 earns no cash reward.
• The Cash Reward Scheme applies to principal and supplementary cardholders of the Dah Sing DORAEMON Credit Card.
• Eligible Transactions are retail purchase amounts and Octopus Automatic Add Value Service amounts only.
• Eligible Transactions exclude cash advances, autopay, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, Stocks Investment Savings Plans, PayEasy Bill Payment amounts, JET Payment amounts, tax payments, interest-free monthly instalment amounts, cheque payment amounts if applicable, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions.
• Cash reward is calculated for each Eligible Transaction up to the last integer shown on the monthly statement. A transaction below HKD200 does not receive cash reward. The Bank has the final decision on whether a transaction is eligible.
• Cash reward is credited monthly. If a DORAEMON Kids Savings Account was successfully applied for together with an Eligible Card, rewards for principal and supplementary cardholders are credited to designated account or accounts, divided proportionally across a maximum of three accounts; otherwise rewards are credited to the respective Eligible Card account.
• If a relevant Eligible Transaction is cancelled or charged off after the reward is distributed, the Bank may debit the equivalent reward value from the Eligible Card account without prior notice.
• Cash reward is for settling new purchases only. It is not transferable and cannot be redeemed for cash, withdrawn as a cash advance, or exchanged for a gift or discount.
• The HTML lists Rewards Through Octopus Auto-reload and says bonus points. The dated formal terms define Octopus AAVS amounts as Eligible Transactions under the Cash Reward Scheme; the formal terms control and no separate points rate is emitted.
• The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

New-customer offers are excluded from this purchase comparison. • Audience: Senior; Customer: New customer • Fixed welcome gift; the local source states no cash value or comparison denominator, so no percentage is calculated. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to a new principal card applicant who did not hold any principal or supplementary card of any card type issued by the Bank in the 12 months before the card opening date. • The applicant must successfully apply for an Eligible Card from 1 January 2026 to 31 December 2026. Each New Cardholder may apply for one Eligible Card and receive the welcome offer once only; if other Dah Sing Credit Cards are also applied for, only the first approved Dah Sing Credit Card welcome offer applies. • Eligible Spending of HKD3,000 or above must be accumulated within the first two months from the card issuance date. Supplementary-card Eligible Spending is combined with the corresponding principal Eligible Card. • Eligible Spending includes retail purchases, online transactions, cash advances, autopay, recurring payments, designated mobile-payment transactions including Apple Pay, Google Pay and Samsung Pay, interest-free monthly instalments, gift-redemption fees if applicable, and cheque payments if applicable. • Eligible Spending excludes Stocks Investment Savings Plans, Octopus Automatic Add Value Service amounts, mobile-wallet top-ups including Octopus top-ups through mobile payment, adding a new Octopus through mobile payment, mobile transfers and top-ups including PayMe, TNG and Tap & Go, WeChat Pay HK, AlipayHK, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, Pay Easy Bill Payment amounts, JET Payment amounts, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions. • The Bank decides eligibility from its records. Eligible Spending uses the relevant transaction dates and decimal places are rounded down to the nearest integer. • After the spending requirement is met, the Bank will notify the New Cardholder of delivery or redemption arrangements within three months. The Eligible Card account must be valid and in good standing when notification is issued. Delivery is to the statement mailing address and the Bank will not reissue or redeliver an unreceived gift. • If redemption by letter is required, the New Cardholder must bring the letter to the designated redemption centre. The Bank will not reissue a letter that is damaged, lost, stolen or expired; centre details are in the letter. • The New Cardholder must keep original sales slips. The Bank may request original slips or other documents for verification, and submitted documents will not be returned. • For fraud, abuse, reversal or cancellation of qualifying transactions, the Bank may debit the equivalent gift value from the New Cardholder's card or linked bank account without prior notice. • Gift photos and product information are for reference. The Bank is not the gift supplier and gives no representation or guarantee about gift quality. • The gift is not transferable or refundable and cannot be exchanged for cash, another gift or a discount. It is available first come first served while stocks last; the Bank may substitute another gift, and the gift cannot be changed, cancelled or returned once provided. • If the New Cardholder cancels the principal Eligible Card within 13 months from the card issuance date after receiving the gift, the Bank will charge a handling fee of HKD200. • The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

• Eligibility: Audience: senior · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed welcome gift; the local source states no cash value or comparison denominator, so no percentage is calculated.
• Application or registration is required.
• The offer applies to a new principal card applicant who did not hold any principal or supplementary card of any card type issued by the Bank in the 12 months before the card opening date.
• The applicant must successfully apply for an Eligible Card from 1 January 2026 to 31 December 2026. Each New Cardholder may apply for one Eligible Card and receive the welcome offer once only; if other Dah Sing Credit Cards are also applied for, only the first approved Dah Sing Credit Card welcome offer applies.
• Eligible Spending of HKD3,000 or above must be accumulated within the first two months from the card issuance date. Supplementary-card Eligible Spending is combined with the corresponding principal Eligible Card.
• Eligible Spending includes retail purchases, online transactions, cash advances, autopay, recurring payments, designated mobile-payment transactions including Apple Pay, Google Pay and Samsung Pay, interest-free monthly instalments, gift-redemption fees if applicable, and cheque payments if applicable.
• Eligible Spending excludes Stocks Investment Savings Plans, Octopus Automatic Add Value Service amounts, mobile-wallet top-ups including Octopus top-ups through mobile payment, adding a new Octopus through mobile payment, mobile transfers and top-ups including PayMe, TNG and Tap & Go, WeChat Pay HK, AlipayHK, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, Pay Easy Bill Payment amounts, JET Payment amounts, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions.
• The Bank decides eligibility from its records. Eligible Spending uses the relevant transaction dates and decimal places are rounded down to the nearest integer.
• After the spending requirement is met, the Bank will notify the New Cardholder of delivery or redemption arrangements within three months. The Eligible Card account must be valid and in good standing when notification is issued. Delivery is to the statement mailing address and the Bank will not reissue or redeliver an unreceived gift.
• If redemption by letter is required, the New Cardholder must bring the letter to the designated redemption centre. The Bank will not reissue a letter that is damaged, lost, stolen or expired; centre details are in the letter.
• The New Cardholder must keep original sales slips. The Bank may request original slips or other documents for verification, and submitted documents will not be returned.
• For fraud, abuse, reversal or cancellation of qualifying transactions, the Bank may debit the equivalent gift value from the New Cardholder's card or linked bank account without prior notice.
• Gift photos and product information are for reference. The Bank is not the gift supplier and gives no representation or guarantee about gift quality.
• The gift is not transferable or refundable and cannot be exchanged for cash, another gift or a discount. It is available first come first served while stocks last; the Bank may substitute another gift, and the gift cannot be changed, cancelled or returned once provided.
• If the New Cardholder cancels the principal Eligible Card within 13 months from the card issuance date after receiving the gift, the Bank will charge a handling fee of HKD200.
• The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.
• DORAEMON Credit Card Welcome Offer Promotion Period: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Audience: Senior; Customer: New customer • Fixed welcome gift; the local source states no cash value or comparison denominator, so no percentage is calculated. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Applies to all eligible spending, subject to the conditions. • The offer applies to a new principal card applicant who did not hold any principal or supplementary card of any card type issued by the Bank in the 12 months before the card opening date. • The applicant must successfully apply for an Eligible Card from 1 January 2026 to 31 December 2026. Each New Cardholder may apply for one Eligible Card and receive the welcome offer once only; if other Dah Sing Credit Cards are also applied for, only the first approved Dah Sing Credit Card welcome offer applies. • Eligible Spending of HKD3,000 or above must be accumulated within the first two months from the card issuance date. Supplementary-card Eligible Spending is combined with the corresponding principal Eligible Card. • Eligible Spending includes retail purchases, online transactions, cash advances, autopay, recurring payments, designated mobile-payment transactions including Apple Pay, Google Pay and Samsung Pay, interest-free monthly instalments, gift-redemption fees if applicable, and cheque payments if applicable. • Eligible Spending excludes Stocks Investment Savings Plans, Octopus Automatic Add Value Service amounts, mobile-wallet top-ups including Octopus top-ups through mobile payment, adding a new Octopus through mobile payment, mobile transfers and top-ups including PayMe, TNG and Tap & Go, WeChat Pay HK, AlipayHK, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, Pay Easy Bill Payment amounts, JET Payment amounts, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions. • The Bank decides eligibility from its records. Eligible Spending uses the relevant transaction dates and decimal places are rounded down to the nearest integer. • After the spending requirement is met, the Bank will notify the New Cardholder of delivery or redemption arrangements within three months. The Eligible Card account must be valid and in good standing when notification is issued. Delivery is to the statement mailing address and the Bank will not reissue or redeliver an unreceived gift. • If redemption by letter is required, the New Cardholder must bring the letter to the designated redemption centre. The Bank will not reissue a letter that is damaged, lost, stolen or expired; centre details are in the letter. • The New Cardholder must keep original sales slips. The Bank may request original slips or other documents for verification, and submitted documents will not be returned. • For fraud, abuse, reversal or cancellation of qualifying transactions, the Bank may debit the equivalent gift value from the New Cardholder's card or linked bank account without prior notice. • Gift photos and product information are for reference. The Bank is not the gift supplier and gives no representation or guarantee about gift quality. • The gift is not transferable or refundable and cannot be exchanged for cash, another gift or a discount. It is available first come first served while stocks last; the Bank may substitute another gift, and the gift cannot be changed, cancelled or returned once provided. • If the New Cardholder cancels the principal Eligible Card within 13 months from the card issuance date after receiving the gift, the Bank will charge a handling fee of HKD200. • The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

• Eligibility: Audience: senior · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed welcome gift; the local source states no cash value or comparison denominator, so no percentage is calculated.
• Application or registration is required.
• The offer applies to a new principal card applicant who did not hold any principal or supplementary card of any card type issued by the Bank in the 12 months before the card opening date.
• The applicant must successfully apply for an Eligible Card from 1 January 2026 to 31 December 2026. Each New Cardholder may apply for one Eligible Card and receive the welcome offer once only; if other Dah Sing Credit Cards are also applied for, only the first approved Dah Sing Credit Card welcome offer applies.
• Eligible Spending of HKD3,000 or above must be accumulated within the first two months from the card issuance date. Supplementary-card Eligible Spending is combined with the corresponding principal Eligible Card.
• Eligible Spending includes retail purchases, online transactions, cash advances, autopay, recurring payments, designated mobile-payment transactions including Apple Pay, Google Pay and Samsung Pay, interest-free monthly instalments, gift-redemption fees if applicable, and cheque payments if applicable.
• Eligible Spending excludes Stocks Investment Savings Plans, Octopus Automatic Add Value Service amounts, mobile-wallet top-ups including Octopus top-ups through mobile payment, adding a new Octopus through mobile payment, mobile transfers and top-ups including PayMe, TNG and Tap & Go, WeChat Pay HK, AlipayHK, Happy Installment payments, Cash-In Plan payments, branch cash-in payments, Smart Choice Balance Transfer Program payments, Cash Conversion Plan payments, bank handling fees including annual fees, financial charges, late fees and cash-advance handling fees, Pay Easy Bill Payment amounts, JET Payment amounts, casino transactions, and unposted, cancelled, refunded, unauthorised or chargeback transactions.
• The Bank decides eligibility from its records. Eligible Spending uses the relevant transaction dates and decimal places are rounded down to the nearest integer.
• After the spending requirement is met, the Bank will notify the New Cardholder of delivery or redemption arrangements within three months. The Eligible Card account must be valid and in good standing when notification is issued. Delivery is to the statement mailing address and the Bank will not reissue or redeliver an unreceived gift.
• If redemption by letter is required, the New Cardholder must bring the letter to the designated redemption centre. The Bank will not reissue a letter that is damaged, lost, stolen or expired; centre details are in the letter.
• The New Cardholder must keep original sales slips. The Bank may request original slips or other documents for verification, and submitted documents will not be returned.
• For fraud, abuse, reversal or cancellation of qualifying transactions, the Bank may debit the equivalent gift value from the New Cardholder's card or linked bank account without prior notice.
• Gift photos and product information are for reference. The Bank is not the gift supplier and gives no representation or guarantee about gift quality.
• The gift is not transferable or refundable and cannot be exchanged for cash, another gift or a discount. It is available first come first served while stocks last; the Bank may substitute another gift, and the gift cannot be changed, cancelled or returned once provided.
• If the New Cardholder cancels the principal Eligible Card within 13 months from the card issuance date after receiving the gift, the Bank will charge a handling fee of HKD200.
• The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.
• DORAEMON Credit Card Welcome Offer Promotion Period: 2026-01-01 – 2026-12-31

This benefit does not apply to a purchase. • Audience: Senior • This is an annual-fee waiver, not a spending percentage. • The product page lists First 2 Years Annual Fee Waiver for the Dah Sing Doraemon Platinum Card. • The page does not state a separate application step, spending threshold, start date or supplementary-card scope for the waiver. • The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

• Eligibility: Audience: senior
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is an annual fee waiver, not a spending percentage.
• The product page lists First 2 Years Annual Fee Waiver for the Dah Sing Doraemon Platinum Card.
• The page does not state a separate application step, spending threshold, start date or supplementary-card scope for the waiver.
• The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

This benefit does not apply to a purchase. • Audience: Senior • This is a time-based repayment feature, not a spending percentage. • The card-specific terms and the standalone Key Facts Statement state an interest-free period of up to 60 days. • No interest is charged when the monthly statement balance is paid in full by the due date. The period length depends on when the purchase is made within the statement cycle. • There is no interest-free period for Cash Advance, Smart Choice Balance Transfer Program or Cash Conversion Plan transactions. • The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

• Eligibility: Audience: senior
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a time based repayment feature, not a spending percentage.
• The card-specific terms and the standalone Key Facts Statement state an interest-free period of up to 60 days.
• No interest is charged when the monthly statement balance is paid in full by the due date. The period length depends on when the purchase is made within the statement cycle.
• There is no interest-free period for Cash Advance, Smart Choice Balance Transfer Program or Cash Conversion Plan transactions.
• The product page requires the applicant to be aged 18 or above, be a Hong Kong resident, and meet an annual income requirement of HKD150,000.

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

This benefit does not apply to a purchase. •

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

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

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

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

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

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

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