Spend well.
Get more back.

This benefit does not apply to a purchase. • Customer: New customer • The source states a fixed coupon value and no spending denominator. • Application, registration or activation required. See conditions. • For successful applicants whose credit card is confirmed. • Register and make a reservation by calling 3428 2782 within the first six months after card issuance. • Cardmember must visit DR-Max Limited in person to redeem the welcome offer. • Each cardmember is eligible for the welcome offers once only. • Terms and conditions apply to the DR-MAX book coupon.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed coupon value and no spending denominator.
• Application or registration is required.
• For successful applicants whose credit card is confirmed.
• Register and make a reservation by calling 3428 2782 within the first six months after card issuance.
• Cardmember must visit DR-Max Limited in person to redeem the welcome offer.
• Each cardmember is eligible for the welcome offers once only.
• Terms and conditions apply to the DR-MAX book coupon.
• DR-MAX welcome offer: 2022-02-01 – Not stated

This benefit does not apply to a purchase. • Customer: New customer • The source states a fixed gift and no spending denominator. • Application, registration or activation required. See conditions. • For successful applicants whose credit card is confirmed. • Register and make a reservation by calling 3428 2782 within the first six months after card issuance. • Cardmember must visit DR-Max Limited in person to redeem the welcome offer. • Each cardmember is eligible for the welcome offers once only. • The map is subject to change without prior notice.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed gift and no spending denominator.
• Application or registration is required.
• For successful applicants whose credit card is confirmed.
• Register and make a reservation by calling 3428 2782 within the first six months after card issuance.
• Cardmember must visit DR-Max Limited in person to redeem the welcome offer.
• Each cardmember is eligible for the welcome offers once only.
• The map is subject to change without prior notice.
• DR-MAX welcome offer: 2022-02-01 – Not stated

This benefit does not apply to a purchase. • An approval-time promise is not a spending percentage. • Application, registration or activation required. See conditions. • Card application must be submitted at DR-MAX. • The local merchant interest-free instalment terms say the plan is for designated AEON cards and each application is subject to AEON approval. • The approved amount is repaid by monthly instalments. • Late or finance charges can apply if required payments are not made.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: An approval time promise is not a spending percentage.
• Application or registration is required.
• Card application must be submitted at DR-MAX.
• The local merchant interest-free instalment terms say the plan is for designated AEON cards and each application is subject to AEON approval.
• The approved amount is repaid by monthly instalments.
• Late or finance charges can apply if required payments are not made.

This benefit does not apply to a purchase. • The source states a fixed coupon value and no spending denominator. • Application, registration or activation required. See conditions. • Given to the cardmember during the birthday month. • Electronic coupon is delivered to My Inbox - e-Coupon in the eligible cardmember AEON HK mobile app account during the birthday month. • Cardmember must download the AEON HK mobile app to receive the e-birthday coupon. • Terms and conditions apply to the DR-MAX e-coupon. • The local tutorial requires the cardmember to select and use the coupon in the app and present the QR code to DR-MAX staff.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed coupon value and no spending denominator.
• Application or registration is required.
• Given to the cardmember during the birthday month.
• Electronic coupon is delivered to My Inbox - e-Coupon in the eligible cardmember AEON HK mobile app account during the birthday month.
• Cardmember must download the AEON HK mobile app to receive the e-birthday coupon.
• Terms and conditions apply to the DR-MAX e-coupon.
• The local tutorial requires the cardmember to select and use the coupon in the app and present the QR code to DR-MAX staff.

This benefit does not apply to a purchase. • The source states a fixed gift and no spending denominator. • Given to the cardmember during the birthday month. • The source identifies the complimentary gift as Animal Encyclopedia (24 Books). • The gift is subject to change without prior notice.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states a fixed gift and no spending denominator.
• Given to the cardmember during the birthday month.
• The source identifies the complimentary gift as Animal Encyclopedia (24 Books).
• The gift is subject to change without prior notice.

No usable purchase percentage; threshold comparison rates are not flat rewards. • The local source states a points rate but no cash-equivalent conversion ratio. • Applies to all eligible spending, subject to the conditions. • Applies to credit purchase spending. • Accrued points can be redeemed through the AEON Bonus Point Program. • The local source does not state a cash-equivalent percentage or a separate cap.

• Eligibility: Audience: all
• Eligible spending: Type: all
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The local source states a points rate but no cash equivalent conversion ratio.
• Applies to credit purchase spending.
• Accrued points can be redeemed through the AEON Bonus Point Program.
• The local source does not state a cash-equivalent percentage or a separate cap.

This benefit does not apply to a purchase. • This is a card payment feature, not a spending percentage. • Application, registration or activation required. See conditions. • Cardholder can tap the contactless symbol at checkout. • No signature is required for a single transaction under HK$1,000. • To activate contactless payment, the first successful transaction must use EMV-chip insertion at any merchant except AEON Stores.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card payment feature, not a spending percentage.
• Application or registration is required.
• Cardholder can tap the contactless symbol at checkout.
• No signature is required for a single transaction under HK$1,000.
• To activate contactless payment, the first successful transaction must use EMV-chip insertion at any merchant except AEON Stores.

This benefit does not apply to a purchase. • An interest-free instalment plan is not a spending percentage. • Application, registration or activation required. See conditions. • HTML lists electrical appliances, furniture, health and equipment, and designated products. • The local terms say the plan is for designated AEON cards and each application is subject to AEON approval. • The approved purchase amount is repaid by monthly instalments. • After approval, the instalment application and purchase cannot be cancelled. • Late or finance charges can apply if required payments are not made.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: An interest free instalment plan is not a spending percentage.
• Application or registration is required.
• HTML lists electrical appliances, furniture, health and equipment, and designated products.
• The local terms say the plan is for designated AEON cards and each application is subject to AEON approval.
• The approved purchase amount is repaid by monthly instalments.
• After approval, the instalment application and purchase cannot be cancelled.
• Late or finance charges can apply if required payments are not made.

Category or merchant does not match. • An interest-free instalment plan is not a spending percentage. • Application, registration or activation required. See conditions. • Merchants: spca • Eligible merchants: spca • Applies to cardmembers spending HK$1,000 or above in SPCA. • Source states a six-month interest-free card instalment plan. • Each plan application is subject to AEON approval. • The approved amount is repaid by monthly instalments. • After approval, the instalment application and purchase cannot be cancelled. • Late or finance charges can apply if required payments are not made.

• Eligibility: Audience: all
• Eligible spending: Applies to: spca · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: An interest free instalment plan is not a spending percentage.
• Application or registration is required.
• Applies to cardmembers spending HK$1,000 or above in SPCA.
• Source states a six-month interest-free card instalment plan.
• Each plan application is subject to AEON approval.
• The approved amount is repaid by monthly instalments.
• After approval, the instalment application and purchase cannot be cancelled.
• Late or finance charges can apply if required payments are not made.

This benefit does not apply to a purchase. • Audience: Senior; Customer: New customer • This is a card service feature, not a spending percentage. • Application, registration or activation required. See conditions. • An AAVS account holder may link one own Octopus and up to three Octopus belonging to family members, friends or relatives. • Applicants must be aged 12 or above. • Application and activation are required. • First-time application fee is waived; transfer or reactivation has a non-refundable HK$20 handling fee. • This is a card service feature, not a spending reward.

• Eligibility: Audience: senior · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a card service feature, not a spending percentage.
• Application or registration is required.
• An AAVS account holder may link one own Octopus and up to three Octopus belonging to family members, friends or relatives.
• Applicants must be aged 12 or above.
• Application and activation are required.
• First-time application fee is waived; transfer or reactivation has a non-refundable HK$20 handling fee.
• This is a card service feature, not a spending reward.

This benefit does not apply to a purchase. • Customer: New customer • A fee waiver is not a spending percentage. • Application, registration or activation required. See conditions. • No application fee applies to first-time AAVS applicants. • Transfer from another financial institution or reactivation after suspension or cancellation has a non-refundable HK$20 handling fee. • Fees are charged to the AAVS account.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: A fee waiver is not a spending percentage.
• Application or registration is required.
• No application fee applies to first-time AAVS applicants.
• Transfer from another financial institution or reactivation after suspension or cancellation has a non-refundable HK$20 handling fee.
• Fees are charged to the AAVS account.

This benefit does not apply to a purchase. • This is a non-spending service protection, not a spending percentage. • Application, registration or activation required. See conditions. • Cardholder must report a lost AAVS-linked Octopus to Octopus Cards Limited immediately. • After a successful loss report, the service protects the remaining value and value added through AAVS for three hours. • Protection is subject to the Octopus service terms.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: This is a non spending service protection, not a spending percentage.
• Application or registration is required.
• Cardholder must report a lost AAVS-linked Octopus to Octopus Cards Limited immediately.
• After a successful loss report, the service protects the remaining value and value added through AAVS for three hours.
• Protection is subject to the Octopus service terms.

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: 中國內地簽賬 • 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 Mainland China identified by country or region code. • Hong Kong and HKD transactions are excluded.

• Eligibility: Audience: all
• Eligible spending: Applies to: 中國內地簽賬 · 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 Mainland China 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: 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

Category or merchant does not match. • 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: citybus, hketoll, 香港電車, 九巴, mtr, pit • Eligible merchants: citybus, hketoll, 香港電車, 九巴, mtr, pit • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded. • Spend is limited to the named local-transport merchants and the source merchant-code rule.

• Eligibility: Audience: all
• Eligible spending: Applies to: citybus / hketoll / 香港電車 / 九巴 / mtr / pit · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• Spend is limited to the named local-transport merchants and the source merchant-code rule.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

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

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

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

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

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

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

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: 生活影音, 百老滙, bruno, 中原電器, 豐澤, j-select, 人気電器店, 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, 人気電器店, 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 by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded. • Spend is limited to the named participating electronics merchants and their qualifying Hong Kong transactions.

• Eligibility: Audience: all
• Eligible spending: Applies to: 生活影音 / 百老滙 / bruno / 中原電器 / 豐澤 / j select / 人気電器店 / 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
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• Spend is limited to the named participating electronics merchants and their qualifying Hong Kong transactions.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

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

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

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

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

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: aeon, aeon-style, aeon-supermarket, apita, bento-express-by-aeon, 中藝-香港, c生活, 千色-citistore, citysuper, citysuper-neighbourhood, citysuper-log-on, 谷辰, hktvmall, harvey-nichols, living-plaza-by-aeon, log-on, marks-and-spencer, mono-mono, 先施百貨, 崇光百貨, uny, 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, citysuper, citysuper-neighbourhood, citysuper-log-on, 谷辰, hktvmall, harvey-nichols, living-plaza-by-aeon, log-on, marks-and-spencer, mono-mono, 先施百貨, 崇光百貨, uny, 永安百貨, 一田 • Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded. • Spend is limited to the named participating department stores; department-store counters and sale outlets are excluded where stated.

• 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 / citysuper / citysuper neighbourhood / citysuper log on / 谷辰 / hktvmall / harvey nichols / living plaza by aeon / log on / marks and spencer / mono mono / 先施百貨 / 崇光百貨 / uny / 永安百貨 / 一田 · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• Spend is limited to the named participating department stores; department-store counters and sale outlets are excluded where stated.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

Category or merchant does not match. • Cash-equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source-stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted. • Limit: 2000 HKD · Promotion Total • Limit applies to: extra 5X RewardCash across eligible spend • Application, registration or activation required. See conditions. • Merchants: 7-for-all-mankind, agnes-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, agnes-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 by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration. • The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash. • The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X. • Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded. • Spend is limited to the named participating fashion and accessories merchants and their qualifying Hong Kong transactions.

• Eligibility: Audience: all
• Eligible spending: Applies to: 7 for all mankind / agnes 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
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• Spend is limited to the named participating fashion and accessories merchants and their qualifying Hong Kong transactions.
• 2026 Red Hot Rewards promotion: 2026-01-01 – 2026-12-31

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

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

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

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

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

• Eligibility: Audience: all
• Eligible spending: Applies to: agnes b fleuriste / cantevole / casetify / la boheme / royce / 屈臣氏酒窖 · Type: merchant
• Benefit limit: Amount: 2000 · Applies to: extra 5X RewardCash across eligible spend · Currency: HKD · Period: promotion total · Type: limited · Unit: currency
• Percentage note: Cash equivalent calculation: Source states HKD1 RewardCash per HKD250 spend for the base 1X and an extra 5X. Extra 5X = HKD5 per HKD250 = 2.0% of eligible spend. The source stated 2.4% is the combined base 1X plus extra 5X; no combined total is emitted.
• Application or registration is required.
• Register by 2026-10-31 through HSBC Reward+ or the HSBC rewards webpage and allocate the extra 5X to the selected category. The selection cannot be changed or withdrawn after registration.
• The extra reward applies only to the first HKD100,000 of eligible spend during the promotion and is capped at HKD2,000 RewardCash.
• The selected-category rule, merchant-code rules and source exclusions remain applicable; the source-stated 2.4% combines base 1X with this extra 5X.
• Eligible spending is based on the source merchant code or transaction rules; electronic-wallet transactions, unposted, cancelled and refunded transactions are excluded.
• Spend is limited to the named other participating merchants and their qualifying Hong Kong transactions.
• 2026 Red Hot Rewards 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: 5800 • Applies to all eligible spending, subject to the conditions. • New HSBC credit-card customer only; apply during the welcome-promotion period; receive an approved HSBC Gold primary card; accumulate at least HKD5,800 of eligible spend within the first 60 calendar days. • The card and account must remain valid and in good standing; applicants who cancelled any HSBC personal primary card during the prior 12 months and supplementary-card applicants are excluded. • Eligible spending is net posted spend under the source rules; fees, supplementary-card transactions, online or mobile-banking payments, stored-value or e-wallet transactions, cash advances, instalments, quasi-cash, wire transfers, gambling, tax, autopay, unposted, cancelled and refunded transactions are excluded. • One reward is available per eligible cardholder and is credited within two months after the eligibility check.

• 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
• Application or registration is required.
• New HSBC credit-card customer only; apply during the welcome-promotion period; receive an approved HSBC Gold primary card; accumulate at least HKD5,800 of eligible spend within the first 60 calendar days.
• The card and account must remain valid and in good standing; applicants who cancelled any HSBC personal primary card during the prior 12 months and supplementary-card applicants are excluded.
• Eligible spending is net posted spend under the source rules; fees, supplementary-card transactions, online or mobile-banking payments, stored-value or e-wallet transactions, cash advances, instalments, quasi-cash, wire transfers, gambling, tax, autopay, unposted, cancelled and refunded transactions are excluded.
• One reward is available per eligible cardholder and is credited within two months after the eligibility check.
• welcome promotion applications: 2026-03-01 – 2027-02-28

This benefit does not apply to a purchase. • Customer: New customer • Application, registration or activation required. See conditions. • New HSBC credit-card customer; activate the HSBC Gold card within the first 60 calendar days; successfully apply for and receive approval for a Cash Instalment Plan with an approved withdrawal amount of at least HKD20,000 and a repayment period of at least 12 months. • One reward is available per eligible cardholder; the card and account must remain valid and in good standing. Early repayment or cancellation can remove or claw back the reward. • The reward is credited within six months after the approved funds transfer under the promotion terms.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Application or registration is required.
• New HSBC credit-card customer; activate the HSBC Gold card within the first 60 calendar days; successfully apply for and receive approval for a Cash Instalment Plan with an approved withdrawal amount of at least HKD20,000 and a repayment period of at least 12 months.
• One reward is available per eligible cardholder; the card and account must remain valid and in good standing. Early repayment or cancellation can remove or claw back the reward.
• The reward is credited within six months after the approved funds transfer under the promotion terms.
• cash instalment promotion: 2026-03-01 – 2027-02-28

This benefit does not apply to a purchase. • The waiver applies when total account balance is HK$8,000,000 or above. • Total balance includes deposits and investments in the member's sole-name accounts and joint-name accounts where the member is the primary account holder, plus accumulated premiums paid for life insurance plans distributed by the Bank. • The waiver is given as an HK$3,800 cash rebate credited to the card account. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The waiver applies when total account balance is HK$8,000,000 or above.
• Total balance includes deposits and investments in the member's sole-name accounts and joint-name accounts where the member is the primary account holder, plus accumulated premiums paid for life insurance plans distributed by the Bank.
• The waiver is given as an HK$3,800 cash rebate credited to the card account.
• Credit card applicants must be aged 18 or above.

Merchant eligibility cannot be established from the incomplete source list. • For assistance, call the card concierge hotline at (852) 3017 2288. • The page refers to dining-offer terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• For assistance, call the card concierge hotline at (852) 3017 2288.
• The page refers to dining-offer terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Services listed include restaurant reservations, ticket booking, and gift sourcing. • For assistance, call (852) 3017 2288. The page refers to external terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Services listed include restaurant reservations, ticket booking, and gift sourcing.
• For assistance, call (852) 3017 2288. The page refers to external terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

Merchant eligibility cannot be established from the incomplete source list. • Available at 48 premium golf clubs across 15 Asia Pacific countries. • Only applies to CNCBI Jewel World Elite Mastercard cards issued in Hong Kong. • The offer is provided by Mastercard and is subject to terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• Available at 48 premium golf clubs across 15 Asia Pacific countries.
• Only applies to CNCBI Jewel World Elite Mastercard cards issued in Hong Kong.
• The offer is provided by Mastercard and is subject to terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.
• Golf offer validity: Now – 2026-12-31

This benefit does not apply to a purchase. • Limit: 1 access · Per Year • Limit applies to: Priority Pass airport lounge access per calendar year • Application, registration or activation required. See conditions. • Access is to 1,400+ Priority Pass airport lounges worldwide. • Register for Priority Pass membership. For access, present the e-membership card, valid boarding pass, and CNCBI Jewel World Elite Mastercard Card. • The page says applicable terms and conditions apply; those terms are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 1 · Applies to: Priority Pass airport lounge access per calendar year · Period: per year · Type: limited · Unit: access
• Application or registration is required.
• Access is to 1,400+ Priority Pass airport lounges worldwide.
• Register for Priority Pass membership. For access, present the e-membership card, valid boarding pass, and CNCBI Jewel World Elite Mastercard Card.
• The page says applicable terms and conditions apply; those terms are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Audience: other • Limit: 2 rides · Promotion Total • Limit applies to: Complimentary airport limousine service for eligible Private Banking customers • Application, registration or activation required. See conditions. • Requires Private Banking customer status. • Service is to or from Hong Kong International Airport or a listed designated overseas airport. Hong Kong service uses Mercedes-Benz S320 or Toyota Alphard; overseas service uses business class. • Submit the booking request at least 3 working days in advance through the stated provider email or phone number. • The linked service terms are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: other
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 2 · Applies to: Complimentary airport limousine service for eligible Private Banking customers · Period: promotion total · Type: limited · Unit: rides
• Application or registration is required.
• Requires Private Banking customer status.
• Service is to or from Hong Kong International Airport or a listed designated overseas airport. Hong Kong service uses Mercedes-Benz S320 or Toyota Alphard; overseas service uses business class.
• Submit the booking request at least 3 working days in advance through the stated provider email or phone number.
• The linked service terms are not present in this HTML.
• Credit card applicants must be aged 18 or above.
• Airport limousine offer: 2026-10-13 – 2026-12-31

This benefit does not apply to a purchase. • Audience: other • Limit: 1 ride · Promotion Total • Limit applies to: Complimentary airport limousine service for eligible CITICdiamond customers • Application, registration or activation required. See conditions. • Requires CITICdiamond customer status. • Service is to or from Hong Kong International Airport or a listed designated overseas airport. Hong Kong service uses Mercedes-Benz S320 or Toyota Alphard; overseas service uses business class. • Submit the booking request at least 3 working days in advance through the stated provider email or phone number. • The linked service terms are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: other
• Eligible spending: Type: not applicable
• Benefit limit: Amount: 1 · Applies to: Complimentary airport limousine service for eligible CITICdiamond customers · Period: promotion total · Type: limited · Unit: ride
• Application or registration is required.
• Requires CITICdiamond customer status.
• Service is to or from Hong Kong International Airport or a listed designated overseas airport. Hong Kong service uses Mercedes-Benz S320 or Toyota Alphard; overseas service uses business class.
• Submit the booking request at least 3 working days in advance through the stated provider email or phone number.
• The linked service terms are not present in this HTML.
• Credit card applicants must be aged 18 or above.
• Airport limousine offer: 2026-10-13 – 2026-12-31

Merchant eligibility cannot be established from the incomplete source list. • Eligible categories: 酒店 • The offer covers a collection of participating luxury hotels. Other hotel offers are also mentioned, but their values are not stated. • The offer is provided by Mastercard and is subject to terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Applies to: 酒店 · Type: category
• Benefit limit: Period: not stated · Type: not stated
• The complete list of eligible merchants is not available.
• The offer covers a collection of participating luxury hotels. Other hotel offers are also mentioned, but their values are not stated.
• The offer is provided by Mastercard and is subject to terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Subject to availability. Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Subject to availability. Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Subject to availability. Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Subject to availability. Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Subject to availability. Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Subject to availability. Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Listed as a benefit of complimentary HoteLux Elite Plus membership. The page refers to additional terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

Category or merchant does not match. • Merchants: agoda • Eligible merchants: agoda • Book the stay through Agoda. The page refers to external terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Applies to: agoda · Type: merchant
• Benefit limit: Period: not stated · Type: not stated
• Book the stay through Agoda. The page refers to external terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • The page describes offers at a wide range of restaurants and names LUBUDS Group brands as examples; it does not state that the list is exclusive. • The offer is provided by Mastercard and is subject to terms that are not present in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The page describes offers at a wide range of restaurants and names LUBUDS Group brands as examples; it does not state that the list is exclusive.
• The offer is provided by Mastercard and is subject to terms that are not present in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Eligibility: Payment Methods: eligible-card • Pay the entire cost of common-carrier tickets with the eligible card. • Coverage scope, exclusions, indemnity limits, and compensation are subject to the insurance policy, which is not present in this HTML. • AIG Asia Pacific Insurance Pte Ltd provides the insurance. The Bank states that it is not the provider and is not responsible for insurance liabilities or obligations. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Requirements: Pay with: eligible card
• Benefit limit: Period: not stated · Type: not stated
• Pay the entire cost of common-carrier tickets with the eligible card.
• Coverage scope, exclusions, indemnity limits, and compensation are subject to the insurance policy, which is not present in this HTML.
• AIG Asia Pacific Insurance Pte Ltd provides the insurance. The Bank states that it is not the provider and is not responsible for insurance liabilities or obligations.
• Credit card applicants must be aged 18 or above.
• Travel insurance offer: 2026-10-13 – 2026-12-31

This benefit does not apply to a purchase. • Audience: other • The source states up to 50% coverage for family members. It does not state the base amount. • Eligibility: Payment Methods: eligible-card • Pay the entire cost of common-carrier tickets with the eligible card. • The source does not state the base amount for the 50% family coverage. • Coverage scope, exclusions, indemnity limits, and compensation are subject to the insurance policy, which is not present in this HTML. • AIG Asia Pacific Insurance Pte Ltd provides the insurance. The Bank states that it is not the provider and is not responsible for insurance liabilities or obligations. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: other
• Eligible spending: Type: not applicable
• Requirements: Pay with: eligible card
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source states up to 50% coverage for family members. It does not state the base amount.
• Pay the entire cost of common-carrier tickets with the eligible card.
• The source does not state the base amount for the 50% family coverage.
• Coverage scope, exclusions, indemnity limits, and compensation are subject to the insurance policy, which is not present in this HTML.
• AIG Asia Pacific Insurance Pte Ltd provides the insurance. The Bank states that it is not the provider and is not responsible for insurance liabilities or obligations.
• Credit card applicants must be aged 18 or above.
• Travel insurance offer: 2026-10-13 – 2026-12-31

New-customer offers are excluded from this purchase comparison. • Customer: New customer • Limit: 10000 point · Promotion Total • Limit applies to: Motion$ earned under the welcome offer • Application, registration or activation required. See conditions. • Eligible categories: 購物 • New cardmembers must successfully apply. The page defines them as applicants who do not currently hold, and have not cancelled, a principal CNCBI credit card in the 12 months before the month of approval. • Earn M$1 for each HK$1 of eligible retail transactions during the first 2 months from card issuance. The points are convertible to 10,000 Miles at the stated maximum. • Eligible retail transactions include local, overseas, online, mail, and phone-order transactions. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all · Customer status: new
• Eligible spending: Applies to: 購物 · Type: category
• Benefit limit: Amount: 10000 · Applies to: Motion$ earned under the welcome offer · Period: promotion total · Type: limited · Unit: point
• Application or registration is required.
• New cardmembers must successfully apply. The page defines them as applicants who do not currently hold, and have not cancelled, a principal CNCBI credit card in the 12 months before the month of approval.
• Earn M$1 for each HK$1 of eligible retail transactions during the first 2 months from card issuance. The points are convertible to 10,000 Miles at the stated maximum.
• Eligible retail transactions include local, overseas, online, mail, and phone-order transactions.
• Credit card applicants must be aged 18 or above.
• Welcome offer promotion period: 2026-10-13 – 2026-12-31

This benefit does not apply to a purchase. • The page lists an interest-free repayment period of up to 57 days but gives no further conditions in this HTML. • Credit card applicants must be aged 18 or above.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The page lists an interest-free repayment period of up to 57 days but gives no further conditions in this HTML.
• Credit card applicants must be aged 18 or above.

This benefit does not apply to a purchase. • Audience: other • The retained HTML identifies the audience as a Supplementary Card. • The HTML does not state the waiver conditions or application requirements.

• Eligibility: Audience: other
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• The retained HTML identifies the audience as a Supplementary Card.
• The HTML does not state the waiver conditions or application requirements.

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 ↗

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This benefit does not apply to a purchase. • The source lists participating transport and payment channels without a numeric percentage. • The source lists designated Hong Kong taxis, Hong Kong-Zhuhai-Macau Bridge fare, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket machines, Shenzhen taxis and Guangzhou public buses.

• Eligibility: Audience: all
• Eligible spending: Type: not applicable
• Benefit limit: Period: not stated · Type: not stated
• Percentage note: The source lists participating transport and payment channels without a numeric percentage.
• The source lists designated Hong Kong taxis, Hong Kong-Zhuhai-Macau Bridge fare, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket machines, Shenzhen taxis and Guangzhou public buses.

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

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

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

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

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

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