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New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HKD500 fixed reward ÷ HKD5,000 minimum eligible spending = 10.0% at the threshold. Effective rate changes when eligible spending exceeds the minimum. • Application, registration or activation required. See conditions. • Applies to all eligible spending, subject to the conditions. • Applicant must not hold a principal card of any type issued by the Bank in Hong Kong at the time of application or during the past 12 months; supplementary cards are excluded from this test. • Applicable to a successful principal-card applicant for a Greater Bay Area CUP Dual Currency Diamond Card during the Promotion Period. • Accumulate eligible spending of HKD/RMB5,000 or above within the first 3 months from new card issuance; supplementary-card spending combines with the related principal card. • Eligible transactions by physical card or Apple Pay include local, overseas, and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS transactions, and cash advances. • Exclude cash or purchase instalments, balance transfers, MPF/SVC contributions, Bank online-banking bill payments, casino chips, traveller's cheques, all credit-card charges, and transactions designated by the Bank. • Convert non-HKD transactions at the Visa International or UnionPay International rate; for this card, RMB1 equals HKD1 for eligible retail spending. • Unposted, cancelled, refunded, fraudulent, or otherwise ineligible transactions do not count; eligible transactions must post to the designated account within the first 3 months. • The HKD500 spending rebate is credited to the eligible principal-card HKD account within 2 months after the month in which the requirement is met and is for future retail spending only. • The card account must remain valid and in good credit standing during the Promotion Period and fulfilment period. • The Bank may charge an administrative fee of HKD600 for card cancellation within 13 months, or for an ineligible or duplicate gift, ineligible spending, or fraud or abuse.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HKD500 fixed reward ÷ HKD5,000 minimum eligible spending = 10.0% at the threshold. Effective rate changes when eligible spending exceeds the minimum.
• Application or registration is required.
• Applicant must not hold a principal card of any type issued by the Bank in Hong Kong at the time of application or during the past 12 months; supplementary cards are excluded from this test.
• Applicable to a successful principal-card applicant for a Greater Bay Area CUP Dual Currency Diamond Card during the Promotion Period.
• Accumulate eligible spending of HKD/RMB5,000 or above within the first 3 months from new card issuance; supplementary-card spending combines with the related principal card.
• Eligible transactions by physical card or Apple Pay include local, overseas, and online retail transactions, mobile payment including UnionPay App, WeChat Pay HK, PayMe and Alipay, Octopus AAVS transactions, and cash advances.
• Exclude cash or purchase instalments, balance transfers, MPF/SVC contributions, Bank online-banking bill payments, casino chips, traveller's cheques, all credit-card charges, and transactions designated by the Bank.
• Convert non-HKD transactions at the Visa International or UnionPay International rate; for this card, RMB1 equals HKD1 for eligible retail spending.
• Unposted, cancelled, refunded, fraudulent, or otherwise ineligible transactions do not count; eligible transactions must post to the designated account within the first 3 months.
• The HKD500 spending rebate is credited to the eligible principal-card HKD account within 2 months after the month in which the requirement is met and is for future retail spending only.
• The card account must remain valid and in good credit standing during the Promotion Period and fulfilment period.
• The Bank may charge an administrative fee of HKD600 for card cancellation within 13 months, or for an ineligible or duplicate gift, ineligible spending, or fraud or abuse.
• principal-card application promotion period: 2026-07-01 – 2026-12-31

This benefit does not apply to a purchase. • Customer: New customer • Fixed reward; no eligible-spend denominator. • Application, registration or activation required. See conditions. • Register the Apple Pay Promotion through the Bank website or WeChat during the Promotion Period; the registration quota is 5,000 and each cardholder registers once. • During the Promotion Period, a successfully registered cardholder who adds an eligible principal Visa or UnionPay card to Apple Pay receives an HKD20 spending rebate. • The first-time adding reward is not available if the eligible card was added to Apple Pay from 2022-09-26 through 2026-06-30, and each cardholder can receive it once in the Promotion Period. • Eligible cards include principal Visa and UnionPay cards, including virtual cards; supplementary cards, Pacific Internet cards, and gift cards are excluded. • The eligible card must remain valid until the reward is credited; the account must be valid and in good financial standing when the reward is credited. • The reward is credited in March 2027, is for future retail transactions only, and cannot be returned, transferred, exchanged for cash or other products, or withdrawn by cash advance.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Fixed reward; no eligible spend denominator.
• Application or registration is required.
• Register the Apple Pay Promotion through the Bank website or WeChat during the Promotion Period; the registration quota is 5,000 and each cardholder registers once.
• During the Promotion Period, a successfully registered cardholder who adds an eligible principal Visa or UnionPay card to Apple Pay receives an HKD20 spending rebate.
• The first-time adding reward is not available if the eligible card was added to Apple Pay from 2022-09-26 through 2026-06-30, and each cardholder can receive it once in the Promotion Period.
• Eligible cards include principal Visa and UnionPay cards, including virtual cards; supplementary cards, Pacific Internet cards, and gift cards are excluded.
• The eligible card must remain valid until the reward is credited; the account must be valid and in good financial standing when the reward is credited.
• The reward is credited in March 2027, is for future retail transactions only, and cannot be returned, transferred, exchanged for cash or other products, or withdrawn by cash advance.
• Apple Pay Promotion Period: 2026-07-01 – 2026-12-31

Category or merchant does not match. • Source-stated 5% extra rebate; HKD3,000 is an eligibility threshold, not the rate. • Limit: 200 HKD · Per Month • Limit applies to: eligible Apple Pay spending in each monthly Promotion Phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 3000 • Eligible categories: Apple Pay • Register the Promotion during 2026-07-01 to 2026-12-31 through the Bank website or WeChat; the registration quota is 5,000 and each cardholder registers once. • After successful registration, accumulate eligible retail spending of HKD3,000 or above in each monthly Promotion Phase using the physical card and/or Apple Pay; receive an extra 5% rebate on eligible Apple Pay spending in that phase. • The reward is capped at HKD200 in each Promotion Phase and HKD1,200 for the entire Promotion Period. • Eligible transactions are local retail, foreign non-HKD retail, and online retail transactions paid by physical card or Apple Pay. • Exclude cash advances, Octopus add-value, UnionPay QR/App transactions, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, designated RMB categories, and other transactions designated by the Bank. • RMB1 spent in Mainland China by a CUP Dual Currency Credit Card equals HKD1 for the spending threshold. • Spending on more than one principal card cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the reward. • Transactions must post before the reward is credited; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must remain valid and in good standing.

• Eligibility: Audience: all
• Eligible spending: Applies to: Apple Pay · Type: category
• Requirements: Period spend ≥: HK$3,000.00
• Benefit limit: Amount: 200 · Applies to: eligible Apple Pay spending in each monthly Promotion Phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% extra rebate; HKD3,000 is an eligibility threshold, not the rate.
• Application or registration is required.
• Register the Promotion during 2026-07-01 to 2026-12-31 through the Bank website or WeChat; the registration quota is 5,000 and each cardholder registers once.
• After successful registration, accumulate eligible retail spending of HKD3,000 or above in each monthly Promotion Phase using the physical card and/or Apple Pay; receive an extra 5% rebate on eligible Apple Pay spending in that phase.
• The reward is capped at HKD200 in each Promotion Phase and HKD1,200 for the entire Promotion Period.
• Eligible transactions are local retail, foreign non-HKD retail, and online retail transactions paid by physical card or Apple Pay.
• Exclude cash advances, Octopus add-value, UnionPay QR/App transactions, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, designated RMB categories, and other transactions designated by the Bank.
• RMB1 spent in Mainland China by a CUP Dual Currency Credit Card equals HKD1 for the spending threshold.
• Spending on more than one principal card cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the reward.
• Transactions must post before the reward is credited; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must remain valid and in good standing.
• Apple Pay Promotion Period: 2026-07-01 – 2026-12-31

Category or merchant does not match. • Source-stated 5% cash rebate; HKD2,000 is an eligibility threshold, not the rate. • Limit: 300 HKD · Per Month • Limit applies to: eligible RMB/MOP retail spending in each promotion phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 2000 • Eligible categories: 澳門簽賬 • Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and successful registration once enrolls all eligible cards under the cardholder's HKID. • After registration, accumulate RMB and/or MOP eligible retail transactions of HKD2,000 or more in each promotion phase to receive a 5% cash rebate. • The source phase table lists phases 1-3 in 2026, phases 4-7 in 2025, and phases 8-12 in 2026, while clause 2 states an overall 2026 Promotion Period; this source wording is preserved without date correction. • The rebate is capped at HKD300 in each phase and HKD3,600 for the entire Promotion Period. • Eligible transactions include RMB and/or MOP retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone during the Promotion Period. • For an eligible Mainland China transaction, RMB1 equals HKD1 for rebate calculation. • Exclude RMB transportation transactions under the separate Travel & Earn promotion, cash advances, Octopus automatic add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and designated RMB categories including property, wholesale, hospital, and tuition payments. • Eligible spending is counted by credit-card number and multiple principal-card accounts cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate. • Transactions must post within the applicable phase; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must be valid and in good financial standing. • The rebate is credited to the principal-card account in the month after the transaction, is rounded to the nearest whole number, and is for future retail spending only; it cannot be transferred, exchanged for cash, or used as a cash advance. • The Bank may debit the rebate value if a related transaction is cancelled after the Promotion Period and may vary or terminate the Promotion without prior notice.

• Eligibility: Audience: all
• Eligible spending: Applies to: 澳門簽賬 · Type: category
• Requirements: Period spend ≥: HK$2,000.00
• Benefit limit: Amount: 300 · Applies to: eligible RMB/MOP retail spending in each promotion phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% cash rebate; HKD2,000 is an eligibility threshold, not the rate.
• Application or registration is required.
• Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and successful registration once enrolls all eligible cards under the cardholder's HKID.
• After registration, accumulate RMB and/or MOP eligible retail transactions of HKD2,000 or more in each promotion phase to receive a 5% cash rebate.
• The source phase table lists phases 1-3 in 2026, phases 4-7 in 2025, and phases 8-12 in 2026, while clause 2 states an overall 2026 Promotion Period; this source wording is preserved without date correction.
• The rebate is capped at HKD300 in each phase and HKD3,600 for the entire Promotion Period.
• Eligible transactions include RMB and/or MOP retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone during the Promotion Period.
• For an eligible Mainland China transaction, RMB1 equals HKD1 for rebate calculation.
• Exclude RMB transportation transactions under the separate Travel & Earn promotion, cash advances, Octopus automatic add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and designated RMB categories including property, wholesale, hospital, and tuition payments.
• Eligible spending is counted by credit-card number and multiple principal-card accounts cannot be combined; supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate.
• Transactions must post within the applicable phase; cancelled, refunded, fraudulent, unauthorized, or unposted transactions do not qualify. The account must be valid and in good financial standing.
• The rebate is credited to the principal-card account in the month after the transaction, is rounded to the nearest whole number, and is for future retail spending only; it cannot be transferred, exchanged for cash, or used as a cash advance.
• The Bank may debit the rebate value if a related transaction is cancelled after the Promotion Period and may vary or terminate the Promotion without prior notice.
• RMB/MOP Promotion Period: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Source-stated 5% credit rebate; no minimum spend is stated. • Limit: 100 HKD · Per Month • Limit applies to: eligible GBA travel expenses in each month • Application, registration or activation required. See conditions. • Eligible categories: 交通 • Applicable to principal UnionPay Dual Currency credit cards issued by the Bank; supplementary cards, Pacific Internet cards, and gift cards are excluded. • Register online or through WeChat; eligible expense is counted from the month in which the eligible account successfully registers. • Registered cardholders receive a source-stated 5% credit rebate on any eligible travel expense during 2026. • Eligible travel expense covers Hong Kong, Macau, Mainland China, and cross-border tunnel, highway and bridge tolls; petrol-station fuel; parking; electric-vehicle charging; car repair and maintenance; auto detailing; and designated public transport including MTR, buses, ferries, trams, light rail, high-speed rail, Turbo Jet, water jets, cross-border buses, intercity trains, subways, and Mainland public buses. • Exclude cash advances and related fees, Octopus automatic add value, electronic wallets, instalments, split transactions, balance transfers, tax, traveller's cheques, insurance, credit-card charges, other redemption fees, cancelled, returned, fraudulent, and unposted transactions, and other transactions designated by the Bank. • Supplementary-card travel expense combines with the related principal account. The account maximum is HKD100 credit rebate per month, credited by the end of the following month; rebate is rounded to the nearest integer and amounts below HKD1 are not awarded. • For Mainland China transactions, RMB1 equals HKD1 for this promotion. Multiple eligible credit-card accounts cannot combine spending. • The account must be valid and in good financial standing when the rebate is credited. The Bank may debit the rebate after a cancellation, refund, or fraudulent act and may determine eligibility from its transaction record.

• Eligibility: Audience: all
• Eligible spending: Applies to: 交通 · Type: category
• Benefit limit: Amount: 100 · Applies to: eligible GBA travel expenses in each month · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% credit rebate; no minimum spend is stated.
• Application or registration is required.
• Applicable to principal UnionPay Dual Currency credit cards issued by the Bank; supplementary cards, Pacific Internet cards, and gift cards are excluded.
• Register online or through WeChat; eligible expense is counted from the month in which the eligible account successfully registers.
• Registered cardholders receive a source-stated 5% credit rebate on any eligible travel expense during 2026.
• Eligible travel expense covers Hong Kong, Macau, Mainland China, and cross-border tunnel, highway and bridge tolls; petrol-station fuel; parking; electric-vehicle charging; car repair and maintenance; auto detailing; and designated public transport including MTR, buses, ferries, trams, light rail, high-speed rail, Turbo Jet, water jets, cross-border buses, intercity trains, subways, and Mainland public buses.
• Exclude cash advances and related fees, Octopus automatic add value, electronic wallets, instalments, split transactions, balance transfers, tax, traveller's cheques, insurance, credit-card charges, other redemption fees, cancelled, returned, fraudulent, and unposted transactions, and other transactions designated by the Bank.
• Supplementary-card travel expense combines with the related principal account. The account maximum is HKD100 credit rebate per month, credited by the end of the following month; rebate is rounded to the nearest integer and amounts below HKD1 are not awarded.
• For Mainland China transactions, RMB1 equals HKD1 for this promotion. Multiple eligible credit-card accounts cannot combine spending.
• The account must be valid and in good financial standing when the rebate is credited. The Bank may debit the rebate after a cancellation, refund, or fraudulent act and may determine eligibility from its transaction record.
• GBA Travel Promotion Period: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Source-stated 5% rebate; HKD1,000 is an eligibility threshold, not the rate. • Limit: 300 HKD · Per Month • Limit applies to: eligible designated-foreign-currency spending in each monthly phase • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 1000 • Eligible categories: 海外簽賬 • Applicable to principal and virtual CUP Dual Currency Credit Cards issued by the Bank; VISA cards, supplementary cards, Pacific Internet cards, and gift cards are excluded. • Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and registration is first-come, first-served. The source lists online code 2026006CCD0000106 and WeChat code 202606CCD0000106. • In each monthly phase, accumulate eligible retail spending of HKD1,000 or above in designated foreign currencies of Japan, South Korea, Thailand, and Taiwan, China to receive a 5% rebate. • The rebate is capped at HKD300 in each phase and HKD1,800 for the entire Promotion Period. • Eligible transactions are non-HKD foreign retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone; the amount uses the HKD value posted after currency conversion and country or region coding by UnionPay International. • Exclude foreign transactions paid in HKD, local retail spending, RMB transactions, cash advances, Octopus add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and other transactions designated by the Bank. • Spending is counted by credit-card number and multiple eligible accounts cannot combine. Supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate; spending from another principal card cannot combine. • The Bank credits Phase 1-3 rebates in November 2026 and Phase 4-6 rebates in February 2027, subject to change; the amount is rounded to the nearest whole number. • Transactions must post before crediting and the account must remain valid and in good financial standing. Fraudulent, false, unauthorized, cancelled, refunded, or unposted transactions do not qualify; the Bank may debit the rebate after later cancellation.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Requirements: Period spend ≥: HK$1,000.00
• Benefit limit: Amount: 300 · Applies to: eligible designated foreign currency spending in each monthly phase · Currency: HKD · Period: per month · Type: limited · Unit: currency
• Percentage note: Source stated 5% rebate; HKD1,000 is an eligibility threshold, not the rate.
• Application or registration is required.
• Applicable to principal and virtual CUP Dual Currency Credit Cards issued by the Bank; VISA cards, supplementary cards, Pacific Internet cards, and gift cards are excluded.
• Register through the Bank website or WeChat during the Promotion Period; the quota is 5,000 and registration is first-come, first-served. The source lists online code 2026006CCD0000106 and WeChat code 202606CCD0000106.
• In each monthly phase, accumulate eligible retail spending of HKD1,000 or above in designated foreign currencies of Japan, South Korea, Thailand, and Taiwan, China to receive a 5% rebate.
• The rebate is capped at HKD300 in each phase and HKD1,800 for the entire Promotion Period.
• Eligible transactions are non-HKD foreign retail spending, UnionPay QR/App retail spending, online retail spending, and purchases by post, fax, or phone; the amount uses the HKD value posted after currency conversion and country or region coding by UnionPay International.
• Exclude foreign transactions paid in HKD, local retail spending, RMB transactions, cash advances, Octopus add value, electronic wallets, instalments, MPF/SVC, balance transfers, online bills, casino chips, tax, traveller's cheques, insurance, card charges, other redemption fees, and other transactions designated by the Bank.
• Spending is counted by credit-card number and multiple eligible accounts cannot combine. Supplementary-card transactions combine with the principal account but the supplementary card does not receive the rebate; spending from another principal card cannot combine.
• The Bank credits Phase 1-3 rebates in November 2026 and Phase 4-6 rebates in February 2027, subject to change; the amount is rounded to the nearest whole number.
• Transactions must post before crediting and the account must remain valid and in good financial standing. Fraudulent, false, unauthorized, cancelled, refunded, or unposted transactions do not qualify; the Bank may debit the rebate after later cancellation.
• Designated Foreign Currencies Promotion Period: 2026-07-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 本地餐飲 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞滋味 / 本地餐飲 source subcategory. • Eligible Hong Kong restaurant or dining transactions are identified by the card-network merchant code. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞滋味 / 本地餐飲 source subcategory.
• Eligible Hong Kong restaurant or dining transactions are identified by the card-network merchant code. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 海外簽賬 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞世界 / 海外簽賬 source subcategory. • Eligible transactions are made overseas and coded as overseas by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞世界 / 海外簽賬 source subcategory.
• Eligible transactions are made overseas and coded as overseas by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 澳門簽賬 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞世界 / 澳門簽賬 source subcategory. • Eligible transactions are made in Macau and coded as Macau by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 澳門簽賬 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞世界 / 澳門簽賬 source subcategory.
• Eligible transactions are made in Macau and coded as Macau by Visa, Mastercard, or UnionPay. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 健身中心 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 健身中心 source subcategory. • The source lists the participating fitness centres under 賞享受. • The complete participating-merchant list in the HTML source is: Be Earth, Go24 Fitness, PURE Group, Snap Fitness, Square Fitness.

• Eligibility: Audience: all
• Eligible spending: Applies to: 健身中心 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 健身中心 source subcategory.
• The source lists the participating fitness centres under 賞享受.
• The complete participating-merchant list in the HTML source is: Be Earth, Go24 Fitness, PURE Group, Snap Fitness, Square Fitness.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 戲院 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 戲院 source subcategory. • The source lists the participating cinemas under 賞享受. • The complete participating-merchant list in the HTML source is: CGV Cinemas, 英皇戲院, Festival Grand Cinema, 康怡戲院, 皇室戲院, K11 Art House, MCL 院線, Movie Town, STAR Cinema.

• Eligibility: Audience: all
• Eligible spending: Applies to: 戲院 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 戲院 source subcategory.
• The source lists the participating cinemas under 賞享受.
• The complete participating-merchant list in the HTML source is: CGV Cinemas, 英皇戲院, Festival Grand Cinema, 康怡戲院, 皇室戲院, K11 Art House, MCL 院線, Movie Town, STAR Cinema.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 娛樂 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 娛樂 source subcategory. • The source lists the participating lifestyle and entertainment merchants under 賞享受. • The complete participating-merchant list in the HTML source is: 焙著你烘焙, 購票通, 太古城中心冰上皇宮, EF English Centers, 青苗琴行, 快達票, KKBOX, KKTix, Moov, Neway CEO Karaoke, 康體通, 通利琴行.

• Eligibility: Audience: all
• Eligible spending: Applies to: 娛樂 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 娛樂 source subcategory.
• The source lists the participating lifestyle and entertainment merchants under 賞享受.
• The complete participating-merchant list in the HTML source is: 焙著你烘焙, 購票通, 太古城中心冰上皇宮, EF English Centers, 青苗琴行, 快達票, KKBOX, KKTix, Moov, Neway CEO Karaoke, 康體通, 通利琴行.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 旅行社 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 旅行社 source subcategory. • The source lists the participating travel agencies under 賞享受; online hotel orders through 美麗華旅遊 are excluded. • The complete participating-merchant list in the HTML source is: hutchgo, KKDay, Klook, 美麗華旅遊, 新華旅遊, Trip.com, 永安旅遊, 油麻地旅遊.

• Eligibility: Audience: all
• Eligible spending: Applies to: 旅行社 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 旅行社 source subcategory.
• The source lists the participating travel agencies under 賞享受; online hotel orders through 美麗華旅遊 are excluded.
• The complete participating-merchant list in the HTML source is: hutchgo, KKDay, Klook, 美麗華旅遊, 新華旅遊, Trip.com, 永安旅遊, 油麻地旅遊.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 美容／個人護理 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 美容／個人護理 source subcategory. • The source lists the participating personal-care merchants under 賞享受. • The complete participating-merchant list in the HTML source is: 沐館, 靜, 日月按摩, TONI&GUY HONG KONG, 梔 Zi Massage & Wellness.

• Eligibility: Audience: all
• Eligible spending: Applies to: 美容／個人護理 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 美容／個人護理 source subcategory.
• The source lists the participating personal-care merchants under 賞享受.
• The complete participating-merchant list in the HTML source is: 沐館, 靜, 日月按摩, TONI&GUY HONG KONG, 梔 Zi Massage & Wellness.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 交通 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞享受 / 交通 source subcategory. • The source lists the participating transport merchants under 賞享受. • The complete participating-merchant list in the HTML source is: 加德士, 城巴, ESSO, 易通行, 香港電車, 九巴, MTR, PIT, Shell, Shell Recharge, SINOPEC, Tesla.

• Eligibility: Audience: all
• Eligible spending: Applies to: 交通 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞享受 / 交通 source subcategory.
• The source lists the participating transport merchants under 賞享受.
• The complete participating-merchant list in the HTML source is: 加德士, 城巴, ESSO, 易通行, 香港電車, 九巴, MTR, PIT, Shell, Shell Recharge, SINOPEC, Tesla.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 超級市場 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 超級市場 source subcategory. • The source lists the participating supermarkets under 賞家居. • The complete participating-merchant list in the HTML source is: 759阿信屋, Big C, 日記士多, Don Don Donki, 大生生活超市, 新鮮生活, GreenPrice, 本灣水產, 百佳超級市場, FUSION, TASTE, TASTE x FRESH INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, 多來買.

• Eligibility: Audience: all
• Eligible spending: Applies to: 超級市場 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 超級市場 source subcategory.
• The source lists the participating supermarkets under 賞家居.
• The complete participating-merchant list in the HTML source is: 759阿信屋, Big C, 日記士多, Don Don Donki, 大生生活超市, 新鮮生活, GreenPrice, 本灣水產, 百佳超級市場, FUSION, TASTE, TASTE x FRESH INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, 多來買.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 家居／家具 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 家居／家具 source subcategory. • The source lists the participating home-goods merchants under 賞家居. • The complete participating-merchant list in the HTML source is: at.home, 生活提案, 生活工房, JHC真好城, KeyChain Pay, 生活館, 生活廊, 蓆夢思, 歐化寶, 歐化傢俬.

• Eligibility: Audience: all
• Eligible spending: Applies to: 家居／家具 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 家居／家具 source subcategory.
• The source lists the participating home-goods merchants under 賞家居.
• The complete participating-merchant list in the HTML source is: at.home, 生活提案, 生活工房, JHC真好城, KeyChain Pay, 生活館, 生活廊, 蓆夢思, 歐化寶, 歐化傢俬.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 電子產品 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 電子產品 source subcategory. • The source lists the participating electrical and electronics merchants under 賞家居. • The complete participating-merchant list in the HTML source is: 生活影音, 百老滙, BRUNO, 中原電器, 豐澤, J SELECT, 人気电器店, Panasonic陳列室, Price網購, 蘇寧, 偉明電業, 惠而浦網上商店W-Mall, 衛訊, 友和 YOHO.

• Eligibility: Audience: all
• Eligible spending: Applies to: 電子產品 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 電子產品 source subcategory.
• The source lists the participating electrical and electronics merchants under 賞家居.
• The complete participating-merchant list in the HTML source is: 生活影音, 百老滙, BRUNO, 中原電器, 豐澤, J SELECT, 人気电器店, Panasonic陳列室, Price網購, 蘇寧, 偉明電業, 惠而浦網上商店W-Mall, 衛訊, 友和 YOHO.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 電訊 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 電訊 source subcategory. • The source lists the participating telecom merchants under 賞家居. The source excludes online bill payments made with HSBC ordinary, Gold, and UnionPay dual-currency cards. • The complete participating-merchant list in the HTML source is: 1O1O, 3香港, csl, Club Sim, HKT 家居電話, 網上行, Now TV, SmarTone, SUPREME.

• Eligibility: Audience: all
• Eligible spending: Applies to: 電訊 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 電訊 source subcategory.
• The source lists the participating telecom merchants under 賞家居. The source excludes online bill payments made with HSBC ordinary, Gold, and UnionPay dual-currency cards.
• The complete participating-merchant list in the HTML source is: 1O1O, 3香港, csl, Club Sim, HKT 家居電話, 網上行, Now TV, SmarTone, SUPREME.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 寵物用品 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞家居 / 寵物用品 source subcategory. • The source lists the participating pet-care merchants under 賞家居. • The complete participating-merchant list in the HTML source is: 寵寵線, Petmium寵物百貨, Q-Pets, 紅蘿蔔, The Dog’s Garden, Three Little Meow.

• Eligibility: Audience: all
• Eligible spending: Applies to: 寵物用品 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞家居 / 寵物用品 source subcategory.
• The source lists the participating pet-care merchants under 賞家居.
• The complete participating-merchant list in the HTML source is: 寵寵線, Petmium寵物百貨, Q-Pets, 紅蘿蔔, The Dog’s Garden, Three Little Meow.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 百貨公司 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 百貨公司 source subcategory. • The source lists the participating department stores under 賞購物. • The complete participating-merchant list in the HTML source is: AEON, AEON STYLE, AEON SUPERMARKET, APITA, Bento Express by AEON, 中藝（香港）, C生活, 千色Citistore, city'super, city'super neighbourhood, city'super LOG-ON, 谷辰, HKTVmall, HARVEY NICHOLS, Living PLAZA by AEON, LOG-ON, MARKS & SPENCER, Mono Mono, 先施百貨, 崇光百貨, UNY 生活創富, 永安百貨, 一田.

• Eligibility: Audience: all
• Eligible spending: Applies to: 百貨公司 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 百貨公司 source subcategory.
• The source lists the participating department stores under 賞購物.
• The complete participating-merchant list in the HTML source is: AEON, AEON STYLE, AEON SUPERMARKET, APITA, Bento Express by AEON, 中藝（香港）, C生活, 千色Citistore, city'super, city'super neighbourhood, city'super LOG-ON, 谷辰, HKTVmall, HARVEY NICHOLS, Living PLAZA by AEON, LOG-ON, MARKS & SPENCER, Mono Mono, 先施百貨, 崇光百貨, UNY 生活創富, 永安百貨, 一田.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 書店／文具 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 書店／文具 source subcategory. • The source lists the participating bookstores under 賞購物. • The complete participating-merchant list in the HTML source is: 中華書局, 誠品書店, 三聯書店, 商務印書館.

• Eligibility: Audience: all
• Eligible spending: Applies to: 書店／文具 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 書店／文具 source subcategory.
• The source lists the participating bookstores under 賞購物.
• The complete participating-merchant list in the HTML source is: 中華書局, 誠品書店, 三聯書店, 商務印書館.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 時裝 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 時裝 source subcategory. • The source lists the participating fashion and accessories merchants under 賞購物. • The complete participating-merchant list in the HTML source is: 7 For All Mankind, agnès b., BIRKENSTOCK, Brooks Brothers, Club Monaco, Columbia, Crocs, DECATHLON, ECCO, eGG Optical Boutique, Go Wild, GU, MISCH MASCH, NICAL, 眼鏡88, ORiental Traffic, WA ORiental Traffic, ROCKPORT, SKECHERS, SPORT b., Teva, Theory, TWIST, UGG, UNIQLO, ZALORA, Zoff.

• Eligibility: Audience: all
• Eligible spending: Applies to: 時裝 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 時裝 source subcategory.
• The source lists the participating fashion and accessories merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: 7 For All Mankind, agnès b., BIRKENSTOCK, Brooks Brothers, Club Monaco, Columbia, Crocs, DECATHLON, ECCO, eGG Optical Boutique, Go Wild, GU, MISCH MASCH, NICAL, 眼鏡88, ORiental Traffic, WA ORiental Traffic, ROCKPORT, SKECHERS, SPORT b., Teva, Theory, TWIST, UGG, UNIQLO, ZALORA, Zoff.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 美容／個人護理 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 美容／個人護理 source subcategory. • The source lists the participating beauty and skincare merchants under 賞購物. • The complete participating-merchant list in the HTML source is: @cosme STORE, BEAUTY AVENUE, 法國嬌蘭, IPSA, JOYCE BEAUTY, mtm labo, TIME by mtm labo, SPA by mtm labo, NARS, 莎莎, Serge Lutens, SHISEIDO, 雪花秀.

• Eligibility: Audience: all
• Eligible spending: Applies to: 美容／個人護理 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 美容／個人護理 source subcategory.
• The source lists the participating beauty and skincare merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: @cosme STORE, BEAUTY AVENUE, 法國嬌蘭, IPSA, JOYCE BEAUTY, mtm labo, TIME by mtm labo, SPA by mtm labo, NARS, 莎莎, Serge Lutens, SHISEIDO, 雪花秀.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 藥房／保健品 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 藥房／保健品 source subcategory. • The source lists the participating health-care merchants under 賞購物. • The complete participating-merchant list in the HTML source is: 南北行, OSIM, OTO, SLOWOOD, 維特健靈, 位元堂, 屈臣氏.

• Eligibility: Audience: all
• Eligible spending: Applies to: 藥房／保健品 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 藥房／保健品 source subcategory.
• The source lists the participating health-care merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: 南北行, OSIM, OTO, SLOWOOD, 維特健靈, 位元堂, 屈臣氏.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible-spend limit. • Limit: 2000 HKD · Promotion Total • Limit applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion • Application, registration or activation required. See conditions. • Eligible categories: 其他 • The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31. • After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn. • Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000. • The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • This offer is the 賞購物 / 其他 source subcategory. • The source lists the participating other merchants under 賞購物. • The complete participating-merchant list in the HTML source is: agnes b. FLEURISTE, Cantevole, CASETiFY, La Bohéme, ROYCE', 屈臣氏酒窖.

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Amount: 2000 · Applies to: Extra RewardCash under the 2026 Red Hot Rewards of Your Choice promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 5X RewardCash; HKD5 / HKD250 x 100 = 2.0%. The source separately states up to 2.4% total including the basic 1X RewardCash, a HKD2,000 maximum extra RewardCash, and the first HKD100,000 eligible spend limit.
• Application or registration is required.
• The cardholder must register through HSBC Reward+ or the HSBC webpage by 2026-10-31.
• After registration, the cardholder allocates the extra 5X RewardCash to the selected major spending category; the allocation cannot be changed or withdrawn.
• Only eligible transactions under the selected category qualify. The first HKD100,000 of eligible transactions is covered by the promotion, and the maximum extra RewardCash is HKD2,000.
• The card account must remain valid and in good standing. The source excludes fees, finance charges, bill payments, stored-value-card transactions, e-wallet transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• This offer is the 賞購物 / 其他 source subcategory.
• The source lists the participating other merchants under 賞購物.
• The complete participating-merchant list in the HTML source is: agnes b. FLEURISTE, Cantevole, CASETiFY, La Bohéme, ROYCE', 屈臣氏酒窖.
• 2026 Red Hot Rewards of Your Choice promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 本地餐飲 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Dining. • Eligible Hong Kong restaurant or dining transactions are identified by card-network merchant codes. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Dining.
• Eligible Hong Kong restaurant or dining transactions are identified by card-network merchant codes. Banquet services, private functions, private rooms, hotel or department-store dining counters, clubhouses, and food services of designated merchants in other categories are excluded.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 購物 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Shopping. • The source applies to eligible transactions at designated merchants in the Shopping category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The complete list of eligible merchants is not available.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Shopping.
• The source applies to eligible transactions at designated merchants in the Shopping category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 家居／家具 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Home. • The source applies to eligible transactions at designated merchants in the Home category. Department-store counters, outlets, and online bill payments with the excluded HSBC card types are excluded; the complete list is available only through the linked rewards page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 家居／家具 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The complete list of eligible merchants is not available.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Home.
• The source applies to eligible transactions at designated merchants in the Home category. Department-store counters, outlets, and online bill payments with the excluded HSBC card types are excluded; the complete list is available only through the linked rewards page.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 娛樂 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Lifestyle. • The source applies to eligible transactions at designated merchants in the Lifestyle category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 娛樂 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The complete list of eligible merchants is not available.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Lifestyle.
• The source applies to eligible transactions at designated merchants in the Lifestyle category. Counters at department stores and outlets are excluded, and the complete list is available only through the linked rewards page.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 海外簽賬 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Overseas & Mainland China Spending. • The source applies to eligible transactions made overseas. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Overseas & Mainland China Spending.
• The source applies to eligible transactions made overseas. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash. • Limit: 100000 HKD · Promotion Total • Limit applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion • Eligible categories: 澳門簽賬 • The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period. • The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash. • The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions. • The source major category is Overseas & Mainland China Spending. • The source applies to eligible transactions made in Macau. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 澳門簽賬 · Type: category
• Benefit limit: Amount: 100000 · Applies to: Eligible Transactions receiving extra RewardCash under the 2026 Special Reward Promotion · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: the source states basic RewardCash of HKD1 per HKD250 and extra 3X RewardCash; HKD3 / HKD250 x 100 = 1.2%. The source states that this extra reward is in addition to the basic RewardCash.
• The cardholder must hold an eligible HSBC Visa Signature Card and keep the account valid and in good standing during the promotion period.
• The first HKD100,000 of eligible transactions is entitled to the extra RewardCash. The promotion is in addition to basic RewardCash.
• The source excludes annual fees, finance and late charges, HSBC Mobile Banking or Internet Banking bill payments, stored-value cards, e-wallet transactions, cash advances and cash or instalment-plan withdrawals or repayments, semi-cash transactions, wire transfers, gambling, tax payments, and unposted, cancelled, or refunded transactions.
• The source major category is Overseas & Mainland China Spending.
• The source applies to eligible transactions made in Macau. Hong Kong transactions and transactions in Hong Kong Dollars are excluded.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • The card page advertises up to HKD800 RewardCash for online application; detailed new-customer, spending, and first-60-days conditions are in the welcome terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The card page advertises up to HKD800 RewardCash for online application; detailed new-customer, spending, and first-60-days conditions are in the welcome terms.

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • The card page states that a new credit-card customer can get an extra HKD200 RewardCash after successfully applying for the Cash Instalment Plan; detailed activation, amount, and term conditions are in the promotional terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The card page states that a new credit-card customer can get an extra HKD200 RewardCash after successfully applying for the Cash Instalment Plan; detailed activation, amount, and term conditions are in the promotional terms.

This benefit does not apply to a purchase. • Customer: New customer • Application, registration or activation required. See conditions. • The card page states that the first two years annual fee is waived for this card; the welcome terms define the eligible card and application scope.

• Eligibility: Audience: all · 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 the first two years annual fee is waived for this card; the welcome terms define the eligible card and application scope.

Category or merchant does not match. • Merchants: 香港尖沙咀凱悅酒店內的咖啡廳, 希戈餐廳, 凱悅軒 • Eligible merchants: 尖沙咀凱悅酒店咖啡廳, 希戈餐廳, 凱悅軒 • The offer applies to dining at the Hyatt hotel in Tsim Sha Tsui, including its café, Hugo’s, and Hyatt Chuan, as stated on the card page.

• Eligibility: Audience: all
• Eligible spending: Applies to: 尖沙咀凱悅酒店咖啡廳 / 希戈餐廳 / 凱悅軒 · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• The offer applies to dining at the Hyatt hotel in Tsim Sha Tsui, including its café, Hugo’s, and Hyatt Chuan, as stated on the card page.

Category or merchant does not match. • Eligible categories: 的士／網約車／租車 • The source states a 7折 discount for Hong Kong-Guangdong cross-border car transfer service. The source points to Visa terms for further details; no link target is used as evidence.

• Eligibility: Audience: all
• Eligible spending: Applies to: 的士／網約車／租車 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The source states a 7折 discount for Hong Kong-Guangdong cross-border car transfer service. The source points to Visa terms for further details; no link target is used as evidence.

This benefit does not apply to a purchase. • The card page states that Visa concierge service and a dedicated 24-hour hotline are available. The service is provided by Visa and is subject to its terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The card page states that Visa concierge service and a dedicated 24-hour hotline are available. The service is provided by Visa and is subject to its terms.

This benefit does not apply to a purchase. • The card page states that the HSBC virtual credit card can be activated and added to a mobile wallet after approval for online and physical-store use.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The card page states that the HSBC virtual credit card can be activated and added to a mobile wallet after approval for online and physical-store use.

Category or merchant does not match. • Merchants: Kanesaka 香港, Plaisance by Mauro Colagreco, Mosu Hong Kong, Yakitori YAMATO（香港）, Prohibition 扒房．酒吧, CIAK, 潮廳, 南海小館, Beefbar, AKATSUKI Izakaya • Eligible merchants: kanesaka-hong-kong, plaisance-by-mauro-colagreco, mosu-hong-kong, yakitori-yamato-hong-kong, prohibition-hong-kong, ciak, 潮廳, 南海小館, beefbar, akatsuki-izakaya • Dine-in only at the listed designated Lai Sun Group restaurants in Hong Kong; takeaway and retail services are excluded. • The discount does not apply to service charges, bottled sake, wine, or spirits. One discount per table. It cannot be combined with special, promotional, custom menus, private-room dining, or other promotions. • The discount is not available on 2026-01-01, 2026-02-14, 2026-02-16 to 2026-02-20, 2026-04-03 to 2026-04-07, 2026-05-10, 2026-06-21, 2026-09-25 to 2026-09-26, 2026-12-22, 2026-12-24 to 2026-12-26, and 2026-12-31.

• Eligibility: Audience: all
• Eligible spending: Applies to: kanesaka hong kong / plaisance by mauro colagreco / mosu hong kong / yakitori yamato hong kong / prohibition hong kong / ciak / 潮廳 / 南海小館 / beefbar / akatsuki izakaya · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Dine-in only at the listed designated Lai Sun Group restaurants in Hong Kong; takeaway and retail services are excluded.
• The discount does not apply to service charges, bottled sake, wine, or spirits. One discount per table. It cannot be combined with special, promotional, custom menus, private-room dining, or other promotions.
• The discount is not available on 2026-01-01, 2026-02-14, 2026-02-16 to 2026-02-20, 2026-04-03 to 2026-04-07, 2026-05-10, 2026-06-21, 2026-09-25 to 2026-09-26, 2026-12-22, 2026-12-24 to 2026-12-26, and 2026-12-31.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Limit: 4 items · Per Transaction • Limit applies to: Regular 2D cinema tickets in one transaction • Merchants: 英皇戲院 • Eligible merchants: emperor-cinemas • At Emperor Cinemas, Monday to Thursday regular 2D tickets or small popcorn qualify for buy-one-get-one. The offer is limited to one use per offer per day and up to four tickets in one transaction. • Ticket payment must use the card through mobile payment or Visa contactless at the box office; payment at self-service machines, the website, and the mobile application is also accepted for ticket offers. Popcorn requires mobile payment or Visa contactless. • The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates: 2026-01-01, 2026-02-17 to 2026-02-19, 2026-04-03 to 2026-04-07, 2026-05-01, 2026-05-25, 2026-06-19, 2026-07-01, 2026-09-26, 2026-10-01, 2026-10-19, and 2026-12-25 to 2026-12-26.

• Eligibility: Audience: all
• Eligible spending: Applies to: emperor cinemas · Type: merchant
• Benefit limit: Amount: 4 · Applies to: Regular 2D cinema tickets in one transaction · Period: per transaction · Type: limited · Unit: items
• At Emperor Cinemas, Monday to Thursday regular 2D tickets or small popcorn qualify for buy-one-get-one. The offer is limited to one use per offer per day and up to four tickets in one transaction.
• Ticket payment must use the card through mobile payment or Visa contactless at the box office; payment at self-service machines, the website, and the mobile application is also accepted for ticket offers. Popcorn requires mobile payment or Visa contactless.
• The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates: 2026-01-01, 2026-02-17 to 2026-02-19, 2026-04-03 to 2026-04-07, 2026-05-01, 2026-05-25, 2026-06-19, 2026-07-01, 2026-09-26, 2026-10-01, 2026-10-19, and 2026-12-25 to 2026-12-26.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Limit: 4 items · Per Transaction • Limit applies to: Regular 3D cinema tickets in one transaction • Merchants: 英皇戲院 • Eligible merchants: emperor-cinemas • At Emperor Cinemas, Monday to Thursday regular 3D tickets qualify for 9折. The offer is limited to one use per offer per day and up to four tickets in one transaction. • The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: emperor cinemas · Type: merchant
• Benefit limit: Amount: 4 · Applies to: Regular 3D cinema tickets in one transaction · Period: per transaction · Type: limited · Unit: items
• At Emperor Cinemas, Monday to Thursday regular 3D tickets qualify for 9折. The offer is limited to one use per offer per day and up to four tickets in one transaction.
• The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

The offer is not available on the snapshot weekday or date. • Limit: 4 items · Per Transaction • Limit applies to: Regular 2D cinema tickets in one transaction • Merchants: 英皇戲院 • Eligible merchants: emperor-cinemas • At Emperor Cinemas, Friday to Sunday regular 2D tickets qualify for 8折. The offer is limited to one use per offer per day and up to four tickets in one transaction. • The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.

• Eligibility: Audience: all
• Eligible spending: Applies to: emperor cinemas · Type: merchant
• Benefit limit: Amount: 4 · Applies to: Regular 2D cinema tickets in one transaction · Period: per transaction · Type: limited · Unit: items
• At Emperor Cinemas, Friday to Sunday regular 2D tickets qualify for 8折. The offer is limited to one use per offer per day and up to four tickets in one transaction.
• The source excludes selected cinemas, concessionary tickets, special or discounted sessions, private bookings, large bookings, and the listed blackout dates in the Emperor Cinemas terms.
• 2026 Special Reward Promotion: 2026-01-01 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval. • The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing. • Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • For a new credit-card customer, HKD8,000 or more eligible spend qualifies for HKD600 RewardCash when the application is not through the listed online channels.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval.
• The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing.
• Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• For a new credit-card customer, HKD8,000 or more eligible spend qualifies for HKD600 RewardCash when the application is not through the listed online channels.
• HSBC credit-card welcome promotion: 2026-03-01 – 2027-02-28

No usable purchase percentage; threshold comparison rates are not flat rewards. • Customer: Existing customer • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval. • The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing. • Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions. • For an existing credit-card customer, HKD8,000 or more eligible spend qualifies for HKD200 RewardCash.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• The applicant must apply for the HSBC Visa Signature Card during the promotion period and receive approval.
• The stated spending threshold must be reached with eligible spending within the first 60 calendar days after card issuance. The card account must remain valid and in good standing.
• Eligible-spending exclusions include fees and charges, supplementary-card transactions, mail/fax/phone orders, HSBC bill payments, stored-value cards and e-wallets, Octopus automatic add value, RewardCash shopping-redemption transactions, cash or instalment-plan withdrawals and repayments, semi-cash transactions, wire transfers, gambling, tax payments, autopay or recurring payments, and unposted, cancelled, or refunded transactions.
• For an existing credit-card customer, HKD8,000 or more eligible spend qualifies for HKD200 RewardCash.
• HSBC credit-card welcome promotion: 2026-03-01 – 2027-02-28

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Threshold-equivalent calculation: HKD600 fixed RewardCash ÷ HKD5,800 minimum qualifying spend = 10.3448% at the threshold; effective rate changes above the minimum. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5800 • Applies to all eligible spending, subject to the conditions. • New HSBC credit-card customer. • Apply for and receive the HSBC UnionPay Dual Currency Credit Card. • Spend HKD or RMB 5,800 or more within the first 60 calendar days after card issuance. • The card account must remain valid and in good standing.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,800.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HKD600 fixed RewardCash ÷ HKD5,800 minimum qualifying spend = 10.3448% at the threshold; effective rate changes above the minimum.
• Application or registration is required.
• New HSBC credit-card customer.
• Apply for and receive the HSBC UnionPay Dual Currency Credit Card.
• Spend HKD or RMB 5,800 or more within the first 60 calendar days after card issuance.
• The card account must remain valid and in good standing.
• welcome promotion applications: 2026-03-01 – 2027-02-28

No usable purchase percentage; threshold comparison rates are not flat rewards. • Customer: Existing customer • Threshold-equivalent calculation: HKD200 fixed RewardCash ÷ HKD5,800 minimum qualifying spend = 3.4483% at the threshold; effective rate changes above the minimum. • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 5800 • Applies to all eligible spending, subject to the conditions. • Existing HSBC credit-card customer. • Apply for and receive the HSBC UnionPay Dual Currency Credit Card. • Spend HKD or RMB 5,800 or more within the first 60 calendar days after card issuance. • The card account must remain valid and in good standing.

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$5,800.00
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: Threshold equivalent calculation: HKD200 fixed RewardCash ÷ HKD5,800 minimum qualifying spend = 3.4483% at the threshold; effective rate changes above the minimum.
• Application or registration is required.
• Existing HSBC credit-card customer.
• Apply for and receive the HSBC UnionPay Dual Currency Credit Card.
• Spend HKD or RMB 5,800 or more within the first 60 calendar days after card issuance.
• The card account must remain valid and in good standing.
• welcome promotion applications: 2026-03-01 – 2027-02-28

This benefit does not apply to a purchase. • Application, registration or activation required. See conditions. • New HSBC credit-card customer. • Activate the card within the first 60 days after issuance. • Successfully apply for a Cash Instalment Plan with approved drawdown of at least HKD20,000 and a selected tenor of at least 12 months. • RewardCash is credited once after the requirements are met.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New HSBC credit-card customer.
• Activate the card within the first 60 days after issuance.
• Successfully apply for a Cash Instalment Plan with approved drawdown of at least HKD20,000 and a selected tenor of at least 12 months.
• RewardCash is credited once after the requirements are met.
• new-card Cash Instalment promotion: 2026-03-01 – 2027-02-28

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Eligible categories: 本地餐飲 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Valid for Hong Kong restaurants and eateries identified by the eligible merchant category code. • Banquets, private functions, private rooms, parties, and listed excluded dining locations are not eligible.

• Eligibility: Audience: all
• Eligible spending: Applies to: 本地餐飲 · Type: category
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Valid for Hong Kong restaurants and eateries identified by the eligible merchant category code.
• Banquets, private functions, private rooms, parties, and listed excluded dining locations are not eligible.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Eligible categories: 海外簽賬 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Valid for overseas transactions identified by country or region code. • Hong Kong and HKD transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 海外簽賬 · Type: category
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Valid for overseas transactions identified by country or region code.
• Hong Kong and HKD transactions are excluded.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Eligible categories: 澳門簽賬 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Valid for transactions in Macau identified by country or region code. • Hong Kong and HKD transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 澳門簽賬 · Type: category
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Valid for transactions in Macau identified by country or region code.
• Hong Kong and HKD transactions are excluded.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: be-earth, go24-fitness, pure-group, snap-fitness, square-fitness • Eligible merchants: be-earth, go24-fitness, pure-group, snap-fitness, square-fitness • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 健身中心 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: be earth / go24 fitness / pure group / snap fitness / square fitness · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 健身中心 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: cgv-cinemas, 英皇戲院, festival-grand-cinema, 康怡戲院, 皇室戲院, k11-art-house, mcl-院線, movie-town, star-cinema • Eligible merchants: cgv-cinemas, 英皇戲院, festival-grand-cinema, 康怡戲院, 皇室戲院, k11-art-house, mcl-院線, movie-town, star-cinema • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 戲院 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: cgv cinemas / 英皇戲院 / festival grand cinema / 康怡戲院 / 皇室戲院 / k11 art house / mcl 院線 / movie town / star cinema · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 戲院 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 購票通, 快達票, kktix • Eligible merchants: 購票通, 快達票, kktix • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 演唱會／票務 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 購票通 / 快達票 / kktix · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 演唱會／票務 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 太古城中心冰上皇宮 • Eligible merchants: 太古城中心冰上皇宮 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 主題樂園及景點 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 太古城中心冰上皇宮 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 主題樂園及景點 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: ef-english-centers, 青苗琴行, 通利琴行 • Eligible merchants: ef-english-centers, 青苗琴行, 通利琴行 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 教育 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: ef english centers / 青苗琴行 / 通利琴行 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 教育 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 焙著你烘焙, kkbox, moov, neway-ceo-karaoke, 康體通 • Eligible merchants: 焙著你烘焙, kkbox, moov, neway-ceo-karaoke, 康體通 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 娛樂 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 焙著你烘焙 / kkbox / moov / neway ceo karaoke / 康體通 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 娛樂 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: hutchgo, kkday, klook, 美麗華旅遊, 新華旅遊, trip-com, 永安旅遊, 油麻地旅遊 • Eligible merchants: hutchgo, kkday, klook, 美麗華旅遊, 新華旅遊, trip-com, 永安旅遊, 油麻地旅遊 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 旅行社 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: hutchgo / kkday / klook / 美麗華旅遊 / 新華旅遊 / trip com / 永安旅遊 / 油麻地旅遊 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 旅行社 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 沐館, 靜, 日月按摩, toni-guy-hong-kong, 梔-zi-massage-wellness • Eligible merchants: 沐館, 靜, 日月按摩, toni-guy-hong-kong, 梔-zi-massage-wellness • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 美容／個人護理 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 沐館 / 靜 / 日月按摩 / toni guy hong kong / 梔 zi massage wellness · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 美容／個人護理 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 城巴, 易通行, 香港電車, 九巴, mtr, pit • Eligible merchants: 城巴, 易通行, 香港電車, 九巴, mtr, pit • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 本地交通 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 城巴 / 易通行 / 香港電車 / 九巴 / mtr / pit · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 本地交通 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 加德士, esso, shell, shell-recharge, sinopec, tesla • Eligible merchants: 加德士, esso, shell, shell-recharge, sinopec, tesla • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞享受. • Valid only for the listed merchants in the 汽油／電動車充電 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 加德士 / esso / shell / shell recharge / sinopec / tesla · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞享受.
• Valid only for the listed merchants in the 汽油／電動車充電 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 759阿信屋, big-c, 日記士多, don-don-donki, 大生生活超市, 新鮮生活, greenprice, 本灣水產, 百佳超級市場, fusion, taste, taste-x-fresh, international, food-le-parc, gourmet, great-food-hall, 多來買 • Eligible merchants: 759阿信屋, big-c, 日記士多, don-don-donki, 大生生活超市, 新鮮生活, greenprice, 本灣水產, 百佳超級市場, fusion, taste, taste-x-fresh, international, food-le-parc, gourmet, great-food-hall, 多來買 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞家居. • Valid only for the listed merchants in the 超級市場 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 759阿信屋 / big c / 日記士多 / don don donki / 大生生活超市 / 新鮮生活 / greenprice / 本灣水產 / 百佳超級市場 / fusion / taste / taste x fresh / international / food le parc / gourmet / great food hall / 多來買 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞家居.
• Valid only for the listed merchants in the 超級市場 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: at-home, 生活提案, 生活工房, jhc真好城, keychain-pay, 生活館, 生活廊, 蓆夢思, 歐化寶, 歐化傢俬 • Eligible merchants: at-home, 生活提案, 生活工房, jhc真好城, keychain-pay, 生活館, 生活廊, 蓆夢思, 歐化寶, 歐化傢俬 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞家居. • Valid only for the listed merchants in the 家居／家具 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: at home / 生活提案 / 生活工房 / jhc真好城 / keychain pay / 生活館 / 生活廊 / 蓆夢思 / 歐化寶 / 歐化傢俬 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞家居.
• Valid only for the listed merchants in the 家居／家具 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 生活影音, 百老滙, bruno, 中原電器, 豐澤, j-select, 人気电器店, panasonic陳列室, price網購, 蘇寧, 偉明電業, 惠而浦網上商店-w-mall, 衛訊, 友和-yoho • Eligible merchants: 生活影音, 百老滙, bruno, 中原電器, 豐澤, j-select, 人気电器店, panasonic陳列室, price網購, 蘇寧, 偉明電業, 惠而浦網上商店-w-mall, 衛訊, 友和-yoho • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞家居. • Valid only for the listed merchants in the 電子產品 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 生活影音 / 百老滙 / bruno / 中原電器 / 豐澤 / j select / 人気电器店 / panasonic陳列室 / price網購 / 蘇寧 / 偉明電業 / 惠而浦網上商店 w mall / 衛訊 / 友和 yoho · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞家居.
• Valid only for the listed merchants in the 電子產品 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 1o1o, 3香港, csl, club-sim, hkt-家居電話, 網上行, now-tv, smartone, supreme • Eligible merchants: 1o1o, 3香港, csl, club-sim, hkt-家居電話, 網上行, now-tv, smartone, supreme • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞家居. • Valid only for the listed merchants in the 電訊 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 1o1o / 3香港 / csl / club sim / hkt 家居電話 / 網上行 / now tv / smartone / supreme · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞家居.
• Valid only for the listed merchants in the 電訊 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 寵寵線, petmium寵物百貨, q-pets, 紅蘿蔔, the-dog-s-garden, three-little-meow • Eligible merchants: 寵寵線, petmium寵物百貨, q-pets, 紅蘿蔔, the-dog-s-garden, three-little-meow • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞家居. • Valid only for the listed merchants in the 寵物用品 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 寵寵線 / petmium寵物百貨 / q pets / 紅蘿蔔 / the dog s garden / three little meow · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞家居.
• Valid only for the listed merchants in the 寵物用品 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: aeon, aeon-style, aeon-supermarket, apita, bento-express-by-aeon, 中藝-香港, c生活, 千色citistore, city-super, city-super-neighbourhood, city-super-log-on, 谷辰, hktvmall, harvey-nichols, living-plaza-by-aeon, log-on, marks-spencer, mono-mono, 先施百貨, 崇光百貨, uny-生活創富, 永安百貨, 一田 • Eligible merchants: aeon, aeon-style, aeon-supermarket, apita, bento-express-by-aeon, 中藝-香港, c生活, 千色citistore, city-super, city-super-neighbourhood, city-super-log-on, 谷辰, hktvmall, harvey-nichols, living-plaza-by-aeon, log-on, marks-spencer, mono-mono, 先施百貨, 崇光百貨, uny-生活創富, 永安百貨, 一田 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞購物. • Valid only for the listed merchants in the 百貨公司 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: aeon / aeon style / aeon supermarket / apita / bento express by aeon / 中藝 香港 / c生活 / 千色citistore / city super / city super neighbourhood / city super log on / 谷辰 / hktvmall / harvey nichols / living plaza by aeon / log on / marks spencer / mono mono / 先施百貨 / 崇光百貨 / uny 生活創富 / 永安百貨 / 一田 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞購物.
• Valid only for the listed merchants in the 百貨公司 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 中華書局, 誠品書店, 三聯書店, 商務印書館 • Eligible merchants: 中華書局, 誠品書店, 三聯書店, 商務印書館 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞購物. • Valid only for the listed merchants in the 書店／文具 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 中華書局 / 誠品書店 / 三聯書店 / 商務印書館 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞購物.
• Valid only for the listed merchants in the 書店／文具 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 7-for-all-mankind, agn-s-b, birkenstock, brooks-brothers, club-monaco, columbia, crocs, decathlon, ecco, egg-optical-boutique, go-wild, gu, misch-masch, nical, 眼鏡88, oriental-traffic, wa-oriental-traffic, rockport, skechers, sport-b, teva, theory, twist, ugg, uniqlo, zalora, zoff • Eligible merchants: 7-for-all-mankind, agn-s-b, birkenstock, brooks-brothers, club-monaco, columbia, crocs, decathlon, ecco, egg-optical-boutique, go-wild, gu, misch-masch, nical, 眼鏡88, oriental-traffic, wa-oriental-traffic, rockport, skechers, sport-b, teva, theory, twist, ugg, uniqlo, zalora, zoff • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞購物. • Valid only for the listed merchants in the 時裝 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 7 for all mankind / agn s b / birkenstock / brooks brothers / club monaco / columbia / crocs / decathlon / ecco / egg optical boutique / go wild / gu / misch masch / nical / 眼鏡88 / oriental traffic / wa oriental traffic / rockport / skechers / sport b / teva / theory / twist / ugg / uniqlo / zalora / zoff · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞購物.
• Valid only for the listed merchants in the 時裝 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: cosme-store, beauty-avenue, 法國嬌蘭, ipsa, joyce-beauty, mtm-labo, time-by-mtm-labo, spa-by-mtm-labo, nars, 莎莎, serge-lutens, shiseido, 雪花秀 • Eligible merchants: cosme-store, beauty-avenue, 法國嬌蘭, ipsa, joyce-beauty, mtm-labo, time-by-mtm-labo, spa-by-mtm-labo, nars, 莎莎, serge-lutens, shiseido, 雪花秀 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞購物. • Valid only for the listed merchants in the 美容／個人護理 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: cosme store / beauty avenue / 法國嬌蘭 / ipsa / joyce beauty / mtm labo / time by mtm labo / spa by mtm labo / nars / 莎莎 / serge lutens / shiseido / 雪花秀 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞購物.
• Valid only for the listed merchants in the 美容／個人護理 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: 南北行, osim, oto, slowood, 維特健靈, 位元堂, 屈臣氏 • Eligible merchants: 南北行, osim, oto, slowood, 維特健靈, 位元堂, 屈臣氏 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞購物. • Valid only for the listed merchants in the 藥房／保健品 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: 南北行 / osim / oto / slowood / 維特健靈 / 位元堂 / 屈臣氏 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞購物.
• Valid only for the listed merchants in the 藥房／保健品 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra RewardCash under 2026 最紅自主獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Below: 100000.01 • Merchants: agnes-b-fleuriste, cantevole, casetify, la-boh-me, royce, 屈臣氏酒窖 • Eligible merchants: agnes-b-fleuriste, cantevole, casetify, la-boh-me, royce, 屈臣氏酒窖 • Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31. • Allocate the extra 5X RewardCash to one selected category. • Qualifying spend is counted during 2026-01-01 to 2026-12-31. • The first HKD100,000 of qualifying spend is eligible for the extra reward. • Maximum extra RewardCash is HKD2,000. • The extra reward is in addition to the basic RewardCash. • Selected category bucket: 賞購物. • Valid only for the listed merchants in the 其他 group. • The merchant list and merchant category rules in the terms and conditions apply.

• Eligibility: Audience: all
• Eligible spending: Applies to: agnes b fleuriste / cantevole / casetify / la boh me / royce / 屈臣氏酒窖 · Type: merchant
• Requirements: Period spend <: HK$100,000.01
• Benefit limit: Amount: 2000 · Applies to: extra RewardCash under 2026 最紅自主獎賞 · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: extra 5X means HKD5 RewardCash per HKD250 eligible spend = 2.0%.
• Application or registration is required.
• Register for 最紅自主獎賞 through HSBC Reward+ or online banking by 2026-10-31.
• Allocate the extra 5X RewardCash to one selected category.
• Qualifying spend is counted during 2026-01-01 to 2026-12-31.
• The first HKD100,000 of qualifying spend is eligible for the extra reward.
• Maximum extra RewardCash is HKD2,000.
• The extra reward is in addition to the basic RewardCash.
• Selected category bucket: 賞購物.
• Valid only for the listed merchants in the 其他 group.
• The merchant list and merchant category rules in the terms and conditions apply.
• 2026 最紅自主獎賞 promotion: 2026-01-01 – 2026-12-31

No comparable purchase saving is specified for this benefit type. • Eligible categories: 中國內地簽賬 • Applies to RMB transactions made with the RMB sub-account. • The stated saving is subject to the card terms and transaction conditions.

• Eligibility: Audience: all
• Eligible spending: Applies to: 中國內地簽賬 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• Applies to RMB transactions made with the RMB sub-account.
• The stated saving is subject to the card terms and transaction conditions.

This benefit does not apply to a purchase. • Customer: New customer • Application, registration or activation required. See conditions. • Applies to the HSBC UnionPay Dual Currency card and applicable supplementary cards. • The waiver is tied to the qualifying card application and formal welcome terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• Applies to the HSBC UnionPay Dual Currency card and applicable supplementary cards.
• The waiver is tied to the qualifying card application and formal welcome terms.

This benefit does not apply to a purchase. • Supports HKD and RMB spending and settlement under the dual-currency structure.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Supports HKD and RMB spending and settlement under the dual-currency structure.

This benefit does not apply to a purchase. • Selected UnionPay merchant offers are available in different travel destinations. • Availability is subject to the external UnionPay offer terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Selected UnionPay merchant offers are available in different travel destinations.
• Availability is subject to the external UnionPay offer terms.

This benefit does not apply to a purchase. • Available after successful application and approval, subject to HSBC activation and wallet support.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Available after successful application and approval, subject to HSBC activation and wallet support.

This benefit does not apply to a purchase. • Support includes medical and travel assistance, such as health advice, referrals, emergency arrangements, translation, and contact support. • The service is available through the stated China support telephone channel.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Support includes medical and travel assistance, such as health advice, referrals, emergency arrangements, translation, and contact support.
• The service is available through the stated China support telephone channel.

This benefit does not apply to a purchase. • Offers are subject to the applicable merchant offer terms and availability.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Offers are subject to the applicable merchant offer terms and availability.

This benefit does not apply to a purchase. • Interest-free period can be up to 56 days when the full statement balance is paid by the due date. • The separate interest-free merchant instalment plan is not available for UnionPay Dual Currency cards.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Interest-free period can be up to 56 days when the full statement balance is paid by the due date.
• The separate interest-free merchant instalment plan is not available for UnionPay Dual Currency cards.

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HK$800 ÷ HK$8,000 equivalent eligible spend × 100 = 10.00%. HKD and RMB qualifying spend count 1:1 under the terms. Rounded to 2 decimal places. This threshold-equivalent rate decreases when eligible spend exceeds the HK$8,000 equivalent minimum. The reward is limited to one payment per eligible cardholder. • Limit: 1 transactions · Promotion Total • Limit applies to: 每位合資格持卡人只可獲一次迎新獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • 新客須在發卡後首60個曆日內累積HKD/RMB 8,000或以上合資格簽賬；港幣及人民幣按1比1計算。 • HK$800數碼申請獎賞適用於滙豐網頁、個人網上理財或HSBC HK App申請；非上述渠道的新客獎賞為HK$600。 • 個人基本卡須獲批核；戶口在推廣期及獲享優惠時須有效並信用狀況良好。附屬卡申請人及批核日前12個月內曾取消任何滙豐個人信用卡基本卡的客戶不合資格。 • 合資格簽賬按銀聯或商戶收單銀行的商戶編號或交易類別判定。排除年費、財務費用、逾期費用、附屬卡交易、銀行繳費、儲值卡及電子錢包增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、賭博、繳稅、自動轉賬、循環付款，以及未誌賬、取消或退款交易。 • 每位合資格持卡人只可獲一次；獎賞錢通常在完成要求後兩個月內入賬。交易取消或開戶13個月內取消卡片時，銀行可扣回優惠。如同時參加其他推廣，銀行可決定只提供其中一項。

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Amount: 1 · Applies to: 每位合資格持卡人只可獲一次迎新獎賞 · Period: promotion total · Type: limited · Unit: transactions
• Percentage note: HK$800 ÷ HK$8,000 equivalent eligible spend × 100 = 10.00%. HKD and RMB qualifying spend count 1:1 under the terms. Rounded to 2 decimal places. This threshold equivalent rate decreases when eligible spend exceeds the HK$8,000 equivalent minimum. The reward is limited to one payment per eligible cardholder.
• Application or registration is required.
• 新客須在發卡後首60個曆日內累積HKD/RMB 8,000或以上合資格簽賬；港幣及人民幣按1比1計算。
• HK$800數碼申請獎賞適用於滙豐網頁、個人網上理財或HSBC HK App申請；非上述渠道的新客獎賞為HK$600。
• 個人基本卡須獲批核；戶口在推廣期及獲享優惠時須有效並信用狀況良好。附屬卡申請人及批核日前12個月內曾取消任何滙豐個人信用卡基本卡的客戶不合資格。
• 合資格簽賬按銀聯或商戶收單銀行的商戶編號或交易類別判定。排除年費、財務費用、逾期費用、附屬卡交易、銀行繳費、儲值卡及電子錢包增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、賭博、繳稅、自動轉賬、循環付款，以及未誌賬、取消或退款交易。
• 每位合資格持卡人只可獲一次；獎賞錢通常在完成要求後兩個月內入賬。交易取消或開戶13個月內取消卡片時，銀行可扣回優惠。如同時參加其他推廣，銀行可決定只提供其中一項。
• 迎新推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

New-customer offers are excluded from this purchase comparison. • Customer: New customer • HK$600 ÷ HK$8,000 equivalent eligible spend × 100 = 7.50%. HKD and RMB qualifying spend count 1:1 under the terms. Rounded to 2 decimal places. This threshold-equivalent rate decreases when eligible spend exceeds the HK$8,000 equivalent minimum. The reward is limited to one payment per eligible cardholder. • Limit: 1 transactions · Promotion Total • Limit applies to: 每位合資格持卡人只可獲一次迎新獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • 新客須在發卡後首60個曆日內累積HKD/RMB 8,000或以上合資格簽賬；港幣及人民幣按1比1計算。 • HK$600獎賞適用於滙豐網頁、個人網上理財或HSBC HK App以外的申請渠道；指定數碼渠道的新客獎賞為HK$800。 • 個人基本卡須獲批核；戶口在推廣期及獲享優惠時須有效並信用狀況良好。附屬卡申請人及批核日前12個月內曾取消任何滙豐個人信用卡基本卡的客戶不合資格。 • 合資格簽賬按銀聯或商戶收單銀行的商戶編號或交易類別判定；年費、財務費用、逾期費用、附屬卡交易、銀行繳費、儲值卡及電子錢包增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、賭博、繳稅、自動轉賬、循環付款，以及未誌賬、取消或退款交易不合資格。 • 每位合資格持卡人只可獲一次；獎賞錢通常在完成要求後兩個月內入賬。交易取消或開戶13個月內取消卡片時，銀行可扣回優惠。如同時參加其他推廣，銀行可決定只提供其中一項。

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Amount: 1 · Applies to: 每位合資格持卡人只可獲一次迎新獎賞 · Period: promotion total · Type: limited · Unit: transactions
• Percentage note: HK$600 ÷ HK$8,000 equivalent eligible spend × 100 = 7.50%. HKD and RMB qualifying spend count 1:1 under the terms. Rounded to 2 decimal places. This threshold equivalent rate decreases when eligible spend exceeds the HK$8,000 equivalent minimum. The reward is limited to one payment per eligible cardholder.
• Application or registration is required.
• 新客須在發卡後首60個曆日內累積HKD/RMB 8,000或以上合資格簽賬；港幣及人民幣按1比1計算。
• HK$600獎賞適用於滙豐網頁、個人網上理財或HSBC HK App以外的申請渠道；指定數碼渠道的新客獎賞為HK$800。
• 個人基本卡須獲批核；戶口在推廣期及獲享優惠時須有效並信用狀況良好。附屬卡申請人及批核日前12個月內曾取消任何滙豐個人信用卡基本卡的客戶不合資格。
• 合資格簽賬按銀聯或商戶收單銀行的商戶編號或交易類別判定；年費、財務費用、逾期費用、附屬卡交易、銀行繳費、儲值卡及電子錢包增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、賭博、繳稅、自動轉賬、循環付款，以及未誌賬、取消或退款交易不合資格。
• 每位合資格持卡人只可獲一次；獎賞錢通常在完成要求後兩個月內入賬。交易取消或開戶13個月內取消卡片時，銀行可扣回優惠。如同時參加其他推廣，銀行可決定只提供其中一項。
• 迎新推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • Customer: Existing customer • HK$200 ÷ HK$8,000 equivalent eligible spend × 100 = 2.50%. HKD and RMB qualifying spend count 1:1 under the terms. Rounded to 2 decimal places. This threshold-equivalent rate decreases when eligible spend exceeds the HK$8,000 equivalent minimum. The reward is limited to one payment per eligible cardholder. • Limit: 1 transactions · Promotion Total • Limit applies to: 每位合資格持卡人只可獲一次迎新獎賞 • Application, registration or activation required. See conditions. • Eligibility: Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • 現有信用卡客戶須在發卡後首60個曆日內累積HKD/RMB 8,000或以上合資格簽賬；港幣及人民幣按1比1計算。 • 個人基本卡須獲批核；戶口在推廣期及獲享優惠時須有效並信用狀況良好。附屬卡申請人及批核日前12個月內曾取消任何滙豐個人信用卡基本卡的客戶不合資格。 • 合資格簽賬按銀聯或商戶收單銀行的商戶編號或交易類別判定；年費、財務費用、逾期費用、附屬卡交易、銀行繳費、儲值卡及電子錢包增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、賭博、繳稅、自動轉賬、循環付款，以及未誌賬、取消或退款交易不合資格。 • 每位合資格持卡人只可獲一次；獎賞錢通常在完成要求後兩個月內入賬。交易取消或開戶13個月內取消卡片時，銀行可扣回優惠。如同時參加其他推廣，銀行可決定只提供其中一項。

• Eligibility: Audience: all · Customer status: existing
• Eligible spending: Type: all
• Requirements: Period spend ≥: HK$8,000.00
• Benefit limit: Amount: 1 · Applies to: 每位合資格持卡人只可獲一次迎新獎賞 · Period: promotion total · Type: limited · Unit: transactions
• Percentage note: HK$200 ÷ HK$8,000 equivalent eligible spend × 100 = 2.50%. HKD and RMB qualifying spend count 1:1 under the terms. Rounded to 2 decimal places. This threshold equivalent rate decreases when eligible spend exceeds the HK$8,000 equivalent minimum. The reward is limited to one payment per eligible cardholder.
• Application or registration is required.
• 現有信用卡客戶須在發卡後首60個曆日內累積HKD/RMB 8,000或以上合資格簽賬；港幣及人民幣按1比1計算。
• 個人基本卡須獲批核；戶口在推廣期及獲享優惠時須有效並信用狀況良好。附屬卡申請人及批核日前12個月內曾取消任何滙豐個人信用卡基本卡的客戶不合資格。
• 合資格簽賬按銀聯或商戶收單銀行的商戶編號或交易類別判定；年費、財務費用、逾期費用、附屬卡交易、銀行繳費、儲值卡及電子錢包增值、八達通自動增值、現金貸款及分期供款、半現金交易、電匯、賭博、繳稅、自動轉賬、循環付款，以及未誌賬、取消或退款交易不合資格。
• 每位合資格持卡人只可獲一次；獎賞錢通常在完成要求後兩個月內入賬。交易取消或開戶13個月內取消卡片時，銀行可扣回優惠。如同時參加其他推廣，銀行可決定只提供其中一項。
• 迎新推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

No usable purchase percentage; threshold comparison rates are not flat rewards. • HK$10 ÷ HKD/RMB 50 × 100 = 20.00%；同一推廣條款列明HKD與RMB按1比1計算。這是每筆交易達最低HKD/RMB 50時的門檻等值率；超過最低金額時有效回贈率下降。另須符合累積合資格簽賬HKD/RMB 8,000、指定QR付款及最多28次的條件。 • Limit: 28 transactions · Promotion Total • Limit applies to: 每筆HKD/RMB 50或以上的合資格QR Code付款交易；每次HK$10 • Application, registration or activation required. See conditions. • Minimum spend: Period: per_transaction; Spend: 50 • Eligibility: Payment Methods: qr-code-payment; Phase Spend Min: 8000 • Applies to all eligible spending, subject to the conditions. • 發卡後首60個曆日內累積合資格簽賬須達HKD/RMB 8,000，並至少進行一次HKD/RMB 50或以上的單一合資格QR Code交易；最多28次，每次HK$10，合共最多HK$280。 • 申請途徑符合其一：滙豐網頁、個人網上理財或HSBC HK App申請並輸入優惠碼HSBCPULSE且獲批；或透過電話理財或滙豐分行成功申請並獲批。 • 新客及現有信用卡客戶均可參加；過去12個月內曾取消任何滙豐個人信用卡基本卡的客戶及附屬卡申請人不合資格。QR Code付款功能只供基本卡持有人使用。 • 信用卡及戶口在獲享優惠時須有效並信用狀況良好；完成要求後兩個月內入賬。取消或退款交易不合資格，銀行可扣回已發放獎賞錢。優惠只可享用一次，不可轉讓；其他推廣可能限制同時獲享。

• Eligibility: Audience: all
• Eligible spending: Type: all
• Minimum requirement: Period: per transaction · Spend: HK$50.00
• Requirements: Pay with: qr code payment · Period spend ≥: HK$8,000.00
• Benefit limit: Amount: 28 · Applies to: 每筆HKD/RMB 50或以上的合資格QR Code付款交易；每次HK$10 · Period: promotion total · Type: limited · Unit: transactions
• Percentage note: HK$10 ÷ HKD/RMB 50 × 100 = 20.00%；同一推廣條款列明HKD與RMB按1比1計算。這是每筆交易達最低HKD/RMB 50時的門檻等值率；超過最低金額時有效回贈率下降。另須符合累積合資格簽賬HKD/RMB 8,000、指定QR付款及最多28次的條件。
• Application or registration is required.
• 發卡後首60個曆日內累積合資格簽賬須達HKD/RMB 8,000，並至少進行一次HKD/RMB 50或以上的單一合資格QR Code交易；最多28次，每次HK$10，合共最多HK$280。
• 申請途徑符合其一：滙豐網頁、個人網上理財或HSBC HK App申請並輸入優惠碼HSBCPULSE且獲批；或透過電話理財或滙豐分行成功申請並獲批。
• 新客及現有信用卡客戶均可參加；過去12個月內曾取消任何滙豐個人信用卡基本卡的客戶及附屬卡申請人不合資格。QR Code付款功能只供基本卡持有人使用。
• 信用卡及戶口在獲享優惠時須有效並信用狀況良好；完成要求後兩個月內入賬。取消或退款交易不合資格，銀行可扣回已發放獎賞錢。優惠只可享用一次，不可轉讓；其他推廣可能限制同時獲享。
• 推廣期: 2026-09-28 – 2026-12-31

Open source offer ↗

Category or merchant does not match. • Limit applies to: 優惠上限未列明 • Eligible categories: 其他 • HTML列明憑「最紅自主獎賞」可額外賺取高達2.4%獎賞錢。 • 適用簽賬範圍及計算條件未在HTML列明；不得由連結推斷。 • HTML另以「高達4.4%獎賞錢」列示2%及2.4%獎賞的合計宣傳標題；此為合計值，沒有作為另一項可計數優惠。

• Eligibility: Audience: all
• Eligible spending: Applies to: 其他 · Type: category
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• HTML列明憑「最紅自主獎賞」可額外賺取高達2.4%獎賞錢。
• 適用簽賬範圍及計算條件未在HTML列明；不得由連結推斷。
• HTML另以「高達4.4%獎賞錢」列示2%及2.4%獎賞的合計宣傳標題；此為合計值，沒有作為另一項可計數優惠。

Open source offer ↗

Category or merchant does not match. • Customer: New customer • Limit: 1 transactions · Promotion Total • Limit applies to: 每位合資格持卡人只可獲一次HK$200獎賞錢 • Application, registration or activation required. See conditions. • Eligible categories: 借貸/分期付款 • 新信用卡客戶須申請並獲批HSBC Pulse個人基本卡；發卡後首60個曆日內啟動合資格卡。 • 須成功申請並獲批「現金套現」分期計劃；提款額至少HK$20,000，還款期至少12個月。 • 每位合資格持卡人於推廣期內只可獲一次。獎賞錢於提款存入或轉賬日起六個月內入賬。 • 入賬前提早還款或取消分期計劃會失去優惠；入賬後提早還款或取消時銀行可扣回獎賞錢。戶口在推廣期及獲享優惠時須有效並信用狀況良好。

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: 借貸/分期付款 · Type: category
• Benefit limit: Amount: 1 · Applies to: 每位合資格持卡人只可獲一次HK$200獎賞錢 · Period: promotion total · Type: limited · Unit: transactions
• Application or registration is required.
• 新信用卡客戶須申請並獲批HSBC Pulse個人基本卡；發卡後首60個曆日內啟動合資格卡。
• 須成功申請並獲批「現金套現」分期計劃；提款額至少HK$20,000，還款期至少12個月。
• 每位合資格持卡人於推廣期內只可獲一次。獎賞錢於提款存入或轉賬日起六個月內入賬。
• 入賬前提早還款或取消分期計劃會失去優惠；入賬後提早還款或取消時銀行可扣回獎賞錢。戶口在推廣期及獲享優惠時須有效並信用狀況良好。
• 推廣期: 2026-03-01 – 2027-02-28

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: 主卡年費 • Application, registration or activation required. See conditions. • 合資格信用卡首兩年年費豁免；首兩年由開戶日起計。 • KFS列明Pulse主卡年費HK$1,800；信用卡申請須獲批核。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: 主卡年費 · Period: not stated · Type: not stated
• Application or registration is required.
• 合資格信用卡首兩年年費豁免；首兩年由開戶日起計。
• KFS列明Pulse主卡年費HK$1,800；信用卡申請須獲批核。
• 迎新推廣期內成功申請合資格信用卡: 2026-03-01 – 2027-02-28

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: 綜合戶口附屬卡年費 • Application, registration or activation required. See conditions. • 同一申請表成功申請的綜合戶口附屬卡可享首兩年年費豁免；首兩年由開戶日起計。 • KFS列明綜合戶口附屬卡年費HK$900；獨立戶口附屬卡不適用。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: 綜合戶口附屬卡年費 · Period: not stated · Type: not stated
• Application or registration is required.
• 同一申請表成功申請的綜合戶口附屬卡可享首兩年年費豁免；首兩年由開戶日起計。
• KFS列明綜合戶口附屬卡年費HK$900；獨立戶口附屬卡不適用。
• 迎新推廣期內成功申請合資格信用卡: 2026-03-01 – 2027-02-28

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Limit applies to: 優惠上限未列明 • Eligible categories: 中國內地簽賬, 澳門簽賬 • 豁免範圍為人民幣及澳門幣交易。

• Eligibility: Audience: all
• Eligible spending: Applies to: 中國內地簽賬 / 澳門簽賬 · Type: category
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• 豁免範圍為人民幣及澳門幣交易。

Open source offer ↗

This benefit does not apply to a purchase. • Document: 出示實體合資格信用卡作資格核實 • Limit: 7 transactions · Promotion Total • Limit applies to: 每位合資格持卡人免費餐飲套餐換領次數；每曆月最多一次 • Merchants: plaza-premium-lounge • 地點為香港西九龍站環亞貴賓室；每次換領一份套餐，可堂食或外帶，餐單可能不同。 • 戶口在推廣期及享用禮遇時須有效並信用狀況良好。每日名額有限、先到先得；只供合資格持卡人本人，不包括同行賓客。 • 參與商戶可因資格未能核實、容量、營運或安全原因拒絕提供禮遇；貴賓室關閉時禮遇不適用。 • 不可兌換現金、其他產品、服務或折扣，不可轉讓；不可與其他優惠同時使用，除非另有說明。銀行或商戶可更改或取消禮遇。

• Eligibility: Audience: all · Document: 出示實體合資格信用卡作資格核實
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 7 · Applies to: 每位合資格持卡人免費餐飲套餐換領次數；每曆月最多一次 · Period: promotion total · Type: limited · Unit: transactions
• 地點為香港西九龍站環亞貴賓室；每次換領一份套餐，可堂食或外帶，餐單可能不同。
• 戶口在推廣期及享用禮遇時須有效並信用狀況良好。每日名額有限、先到先得；只供合資格持卡人本人，不包括同行賓客。
• 參與商戶可因資格未能核實、容量、營運或安全原因拒絕提供禮遇；貴賓室關閉時禮遇不適用。
• 不可兌換現金、其他產品、服務或折扣，不可轉讓；不可與其他優惠同時使用，除非另有說明。銀行或商戶可更改或取消禮遇。
• 推廣期，包括首尾兩日: 2026-08-15 – 2027-02-14

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit applies to: 優惠上限未列明 • 免費使用環球指定機場貴賓廳服務，屬銀聯「錦繡中華」會員專屬權益，持卡人可享至2026-12-31。 • HTML未列明指定貴賓廳名單或完整資格條件。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• 免費使用環球指定機場貴賓廳服務，屬銀聯「錦繡中華」會員專屬權益，持卡人可享至2026-12-31。
• HTML未列明指定貴賓廳名單或完整資格條件。
• 銀聯「錦繡中華」會員專屬權益: Now – 2026-12-31

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • 「高達5折」表示最高50%票價折扣。 • Limit applies to: 優惠上限未列明 • Eligible categories: 交通 • 適用於中國內地指定城市地鐵；屬銀聯「錦繡中華」會員專屬權益，權益至2026-12-31。 • HTML未列明指定城市或完整資格條件。

• Eligibility: Audience: all
• Eligible spending: Applies to: 交通 · Type: category
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• Percentage note: 「高達5折」表示最高50%票價折扣。
• The complete list of eligible merchants is not available.
• 適用於中國內地指定城市地鐵；屬銀聯「錦繡中華」會員專屬權益，權益至2026-12-31。
• HTML未列明指定城市或完整資格條件。
• 銀聯「錦繡中華」會員專屬權益: Now – 2026-12-31

Open source offer ↗

Merchant eligibility cannot be established from the incomplete source list. • Limit applies to: 優惠上限未列明 • Eligible categories: 餐飲 • 適用於指定餐廳消費；屬銀聯「錦繡中華」會員專屬權益，權益至2026-12-31。 • HTML未列明指定餐廳名單或完整資格條件。

• Eligibility: Audience: all
• Eligible spending: Applies to: 餐飲 · Type: category
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• 適用於指定餐廳消費；屬銀聯「錦繡中華」會員專屬權益，權益至2026-12-31。
• HTML未列明指定餐廳名單或完整資格條件。
• 銀聯「錦繡中華」會員專屬權益: Now – 2026-12-31

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: 優惠上限未列明 • 信用卡提供港幣及人民幣結算。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• 信用卡提供港幣及人民幣結算。

Open source offer ↗

This benefit does not apply to a purchase. • Limit applies to: 優惠上限未列明 • Application, registration or activation required. See conditions. • 信用卡獲批後可啟動虛擬信用卡並新增至手機錢包。

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• Application or registration is required.
• 信用卡獲批後可啟動虛擬信用卡並新增至手機錢包。

Open source offer ↗

No comparable purchase saving is specified for this benefit type. • Limit applies to: 優惠上限未列明 • Applies to all eligible spending, subject to the conditions. • 如每月到期日或之前全數清還結欠，零售簽賬免收利息。 • 未全數清還時，未付結單結欠由上一結單日起計息；新交易由交易日起計息，直至全數清還。

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Applies to: 優惠上限未列明 · Period: not stated · Type: not stated
• 如每月到期日或之前全數清還結欠，零售簽賬免收利息。
• 未全數清還時，未付結單結欠由上一結單日起計息；新交易由交易日起計息，直至全數清還。

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This benefit does not apply to a purchase. •

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

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

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

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

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

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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

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

Open source offer ↗

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 ↗

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 ↗

No comparable purchase saving is specified for this benefit type. • 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 ↗

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 ↗