Terms and Conditions of BOC Credit Card “ So Three Amazing Rewards – Up to 3% Cash Rebate”:

1. The BOC Credit Card “So Three Amazing Rewards – Up to 3% Cash Rebate” (the “Promotion”) is only applicable to cardholders of BOC Credit Cards, BOC Dual Currency Credit Cards and BOC Co-branded Cards issued in Hong Kong bearing the BOC logo (Unless Specified) (the “Eligible Credit Cards”), excluding BOC Credit Cards issued in the mainland and Macau, Private Label Cards, BOC Purchasing Cards and USD Credit Cards.
   
   
2. The Promotion runs from 1 January to 30 June 2023 (both dates inclusive). (the “Promotion Period”).
   
   
3. The registration period of the Promotion runs from 10:00 on 6 January to 23:59 on 30 June 2023 (the “Registration Period”). To participate in the Promotion, the cardholder must enter the correct information of his/her Eligible Credit Card and register via the BoC Pay mobile application ( “BoC Pay”), website of the Promotion, BOCHK Mobile Application or BOCHK Credit Card Official WeChat Account (WeChat ID: BOCHK_CC) once during the Registration Period (the “Registration”). The Registration reference number will be announced when the Registration is successful. The Promotion is only applicable to the first 100,000 successfully registered eligible cardholders (the “Customers”). The Registration quota is calculated based on the computer record of BOC Credit Card (International) Limited (the “Company”) and is on a first-come-first-served basis.
   
   
4. The Promotion consists of “Online Spending Reward – Extra 2.6% Cash Rebate for Designated Online Spending” (refer to clause 4a), “Bill Payment Reward – Extra 2.6% Cash Rebate for Bill Payment” (refer to clause 4b) and “Eat, Play and Dine Reward – Extra 2.6% Cash Rebate for Retail Spending at Physical Stores” (refer to clause 4c), plus the basic rebate of 0.4% (Customers can earn 1 gift points for every HK$1 spending and 250 gift points can be converted toHK$1, which is equivalent to 0.4% rebate). So, the Customers are eligible to enjoy up to 3% cash rebate for each reward. Each Customer (counted by the Identification Document Number) can enjoy below offers during the month of registration and any calendar months onwards
   
   
   1. “Online Spending Reward– Extra 2.6% Cash Rebate for Designated Online Spending”: Each Customer can enjoy extra of 2.6% Cash Rebate on designated online spending at 5 specified merchant categories (includes supermarket, electronic product, entertainment, dining and travel (refers to below table) (with no single net spending requirement amount, counted by posted amount of the transaction) (the “Eligible Online Spending”) by using Eligible Credit Cards (excludes Chill Card). The reward is capped at a maximum of HK$100 Cash Rebate in any calendar month and a maximum of HK$600 Cash Rebate during the entire Promotion Period.
      
      

      5 specified merchant categories	Eligible Online Spending
      Online Supermarket Spending	Online purchases of goods at supermarkets, convenience stores or department stores. Examples of merchants including but not limited to: PARKnSHOP, Wellcome, HKTVmall, Ztore/Neighbour Buy and Sogo Online Shops
      Online Electronic Product Spending	Online purchases of electronic products at electronic product merchants. Examples of merchants including but not limited to: Apple.com, Broadway, Fortress and YOHO Online Shops For avoidance of doubt, spending on electronic products booked online but settled at physical points of sales shall not be deemed as Eligible Spending.
      Online Entertainment Spending	Online spending for recreational products or services at entertainment merchants, cinemas, attractions, recreational outlets or ticketing. Examples of merchants including but not limited to: iTune, Cityline, Hong Kong Disneyland, Ocean Park Hong Kong Online Platform
      Online Dining Spending	Online spending for food and beverage ordered from restaurants, fast food stores, restaurants chain or food delivery platform merchants. Examples of merchants including but not limited to: Deliveroo, foodpanda and OpenRice Online Platform For avoidance of doubt, online booking of banquets, private banquets, private parties and food or beverages provided by dining outlets/food counters in hotels/department stores/associations/clubhouses shall not be deemed as Eligible Spending
      Online Travel Merchant Spending	Online purchase of any travel products (including hotel reservations, air tickets, travel packages or attraction tickets) at travel agencies, airlines, hotels or online travel platforms. Examples of merchants including but not limited to: Agoda, Expedia, Klook, Trip.com and Cathay Pacific Online Shops For avoidance of doubt, spending on travel products booked online but settled at physical points of sales shall not be deemed as Eligible Spending.

      
      The 5 specified merchant categories and Eligible Online Spending stated in clause 4a shall be classified according to the merchant codes/ transaction types as defined by VISA Worldwide Pte. Limited, Mastercard Asia/ Pacific (Hong Kong) Limited, and UnionPay International or a merchant's acquiring bank, and at the sole and absolute discretion of the Company. The Company has no obligation to clarify which transactions are eligible for the offer before customers conduct the transactions.
      
      
   2. “Bill Payment Reward – Extra 2.6% Cash Rebate for Bill Payment”: Each Customer can enjoy extra of 2.6% Cash Rebate on bill payment transactions made via BOCHK Personal Internet Banking/Mobile Banking, or the regular autopay bill payment transaction agreed with merchants (with no single net spending requirement amount, counted by posted amount of the transaction) (the “Eligible Bill Payment”). The reward is capped at a maximum of HK$50 Cash Rebate in any calendar month and a maximum of HK$300 Cash Rebate during the entire Promotion Period. The regular autopay bill payment transaction is defined and determined by the merchants, and at the sole and absolute discretion of the Company. The Company has no obligation to clarify which transactions are eligible for the offer before customers conduct the transactions.
      
      
   3. “Shop, Dine or Play Reward – Extra 2.6% Cash Rebate for Retail Spending at Physical Stores”: Each Customer can enjoy extra of 2.6% Cash Rebate by accumulating HK$8,000 or above in local and overseas retail spending at physical stores (with single net spending transaction amount of HK$500 or above per transaction, counted by posted amount of the transaction, but excludes Eligible Online Spending) in a calendar month (the “Eligible Retail Spending at Physical Stores”) The reward is capped at a maximum of HK$250 Cash Rebate in any calendar month and a maximum of HK$1,500 Cash Rebate during the entire Promotion Period.
      
      
   
   
5. For the above Eligible Online Spending and Eligible Retail Spending at Physical Stores includes the spending via mobile payment (includes BoC Pay, Union Pay App, Apple Pay, Google Pay, Samsung Pay and Huawei Pay) (if applicable), but excludes AlipayHK and WeChat Pay transactions, Instant Rewards transactions, Cash Before Cash amounts, balance transfer amounts, autopay transactions, Octopus Add Value/Automatic Add Value transactions, instalment transactions (including but not limited to cash instalments, statement instalments, online bill payment instalments and monthly payments of merchant interest-free instalments), annual fees, finance charges, arrangement fees, payments for public utilities/bill payments (including but not limited to payments for tax, telecommunication, membership fees, educational institution fees/tuition fees, rental or utilities bills), transactions via online payment systems to designated merchants (including but not limited to PayPal or Alipay), purchases and/or reloads of stored value cards or e-wallets, product/service transactions at financial/non-financial institutions (including but not limited to deposits, purchases of foreign currency, money transfers, speculation transactions, insurance transactions, mutual fund payments, stock monthly contributions and property purchases), casino and gambling transactions, transactions on charity donations and non-profit organisations, and any unauthorised transactions.
   
   
6. “Eligible Bill Payment” excludes those made to payees such as the Inland Revenue Department, Banking and Credit Card Services, Credit Services, Securities Broker and Loan Repayments (including but not limited to transactions under the bill type of Policy Loan Repayment), and exclude those Bill Payment by instalment, AlipayHK and WeChat Pay HK transaction. Eligible Bill Payment shall be determined at the sole and absolute discretion of the Company.
   
   
7. For Eligible Online Spending, Eligible Retail Spending at Physical Store and Eligible Bill Payment made with a BOC UnionPay Dual Currency Credit Card in Renminbi (RMB), every RMB1 spent will be calculated as HK$1.
   
   
8. For the basic rebate of 0.4% (Customers can earn 1 gift points for every HK$1 spending. And 250 gift points can be exchanged for HK$1 which is equivalent to 0.4% rebate), the terms and conditions of “Cash Rebate” Gift Points Redemption Program applied.
   
   
9. All Eligible Online Spending, Eligible Retail Spending at Physical Stores and Eligible Bill Payment will be counted on the respective transaction date (bill payment transactions made via BOCHK Personal Internet Banking/Mobile Banking will be counted on the transaction date; for details, please refer to the BOCHK Personal Internet Banking/Mobile Banking). Upon verification of the Eligible Online Spending, Eligible Retail Spending at Physical Stores and Eligible Bill Payment transaction details by the Company, the cash rebate will be credited to the first registered main card account within two months after the last day of each calendar month during the Promotion Period. Cash rebate awarded will be rounded to the nearest dollar. To be eligible for the cash rebate, the Eligible Online Spending, Eligible Retail Spending at Physical Store and Eligible Bill Payment (based on transaction date) of each calendar month must be successfully posted on or before the 7th day of the subsequent month.
   
   

   Promotion Period (both dates inclusive)	Posting Date of Eligible Online Spending, Eligible Retail Spending at Physical Store and Eligible Bill Payment	Date of crediting of extra Cash Rebate	Monthly Statement showing the record of Cash Rebate
   The first calendar month: 1 – 31 January 2023	On or before 7 February 2023	On or before 30 April 2023	April or May 2023
   The second calendar month: 1 – 28 February 2023	On or before 7 March 2023	On or before 31 May 2023	May or June 2023
   The third calendar month: 1 – 31 March 2023	On or before 7 April 2023	On or before 30 June 2023	June or July 2023
   The fourth calendar month: 1 – 30 April 2023	On or before 7 May 2023	On or before 31 July 2023	July or August 2023
   The fifth calendar month: 1 – 31 May 2023	On or before 7 June 2023	On or before 31 August 2023	August or September 2023
   The sixth calendar month: 1 – 30 June 2023	On or before 7 July 2023	On or before 30 September 2023	September or October 2023

   
   
10. An Eligible Customer who holds more than one Eligible Credit Card account can register only once with any one of his/her Eligible Credit Cards. No cash rebate will be awarded if the cardholder registers/spends with any card other than an Eligible Credit Card. The cash rebates will be automatically credited to the first registered main card account. During the Promotion Period, if the registered credit card has been converted or upgraded, the cash rebate will be credited to the new card account.
    
    
11. Registration and Eligible Online Spending, Eligible Retail Spending at Physical Store and Eligible Bill Payment transaction made with a supplementary card will be combined with those from the main card to calculate towards the cash rebate. All Eligible Credit Card accounts of the cardholder will be automatically combined for the calculation of the entitled cash rebates.
    
    
12. Once the Registration has been completed, the information provided will be recorded and cannot be cancelled, altered or changed. The Registration record announced via the Registration system is only for reference and cannot be taken as confirmation of the final result. The Company will determine the eligibility of each transaction by matching the cardholder transaction records held by the Company and the relevant data provided. If the information from the cardholder differs from those of the Company records, the latter shall be final and conclusive.
    
    
13. The Promotion is only applicable to spending transactions with sales slips/electronic payment slips. The cardholder must retain all original transaction sales slips for reference. In case of any dispute, the Company reserves the right to request the cardholder to provide the original transaction sales slip(s) and/or such further documentation or evidence for verification at any time during or after the Promotion. All sales slips and/or such further documentation submitted to the Company will not be returned.
    
    
14. Any fraudulent, unauthorised, unposted, cancelled or refunded transactions will not be deemed as Eligible Online Spending, Eligible Retail Spending at Physical Store and Eligible Bill Payment transaction.
    
    
15. An Eligible Customer whose credit card accounts and Mobile Payment binding status (if applicable) are valid and in good standing during the entire Promotion Period and at the time the cash rebates are being awarded will be eligible for the Promotion and the cash rebate. In the event of termination of the credit card account, violation of the Card User Agreement, unbinding of the registered BOC UnionPay Dual Currency Credit Card from BoC Pay, or forfeiture of the cash rebate during the Promotion or at the time the cash rebates are being awarded, the cash rebates will be cancelled automatically forthwith.
    
    
16. The cash rebate cannot be refunded, transferred, resold, or redeemed for cash or other gift items. Cash rebate can only be used to offset retail spending after the cash rebate has been awarded and cannot be used to offset any cash advances, finance charges or outstanding balance incurred before the cash rebate was awarded.
    
    
17. Any fraud and abuse will result in the forfeiture of an Eligible Customer’s eligibility to participate in the Promotion. Should a transaction be cancelled after the cash rebates have being awarded, the eligibility will be forfeited. The Company reserves the right to take legal action in such instances.
    
    
18. Customers are responsible for the data charges of downloading and/or using BoC Pay imposed by their service providers.
    
    
19. Please download mobile applications from official application stores or the BOCHK website, and ensure the search wording is correct. iPhone or iPad users may download BoC Pay Mobile Applications via Apple Store. Android users may download BoC Pay Mobile Applications via Google Play, Huawei AppGallery or the BOCHK website. Recommended Operating Systems are iOS (14.0 or above) and Android (8.1 or above). iOS is a trademark of Apple Inc., registered in US and other countries. Android is a trademark of Google LLC. By using the BOCHK Mobile Application, the customer agrees to be bound by the contents of the relevant disclaimer and privacy policy posted on the BOCHK Mobile Application and which may be updated by BOCHK from time to time.
    
    
20. Mobile Payment Applications are the third parties’ Mobile Applications. Mobile Payment Applications are subject to such service providers’ term and conditions. The Company is not the service provider of the Mobile Payment Applications. If customers have any enquiries or complaint about the Mobile Payment Applications, please directly contact the service providers. The Company gives no guarantee to the mobile Payment Applications of the service providers, and does not accept any liability arising in conjunction with the use of the Mobile Payment Applications or the services provided by the service providers.
    
    
21. The Company has not reviewed or verified the information in the third parties’ Mobile Applications or any materials, products, services or privacy practices posted or offered therein or thereat, and shall not be under any circumstances liable to any loss (whether in negligible or otherwise) whatsoever or howsoever that customers may sustain arising from the use of any information, materials, products, services, or privacy practices posted or offered by the third parties’ Mobile Applications. The Company does not or does not mean to endorse or recommend any information, materials products or services posted or offered at the third parties’ Mobile Applications. Not shall the Company be liable for any inaccuracy or failure of any information, materials, products or services posted or offered at the third parties’ Mobile Applications. Please read the terms and conditions and the relevant disclaimer(s) and privacy policy that may be contained in the third parties Mobile Applications.
    
    
22. Apple Pay, iPhone and Touch ID are trademarks of Apple Inc., registered in US and other countries. For compatible devices and more details about Apple Pay, please refer to www.apple.com/hk/apple-pay. Google Pay is not applicable to BOC Commercial Cards and Dual Currency Cards. Google Pay is a trademark of Google Inc. Google Pay works with NFC capable Android™ devices running Android Lollipop 5.0 or higher. Samsung Pay is not applicable to BOC Commercial Cards and Dual Currency Cards. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Samsung Pay only supports NFC payments. For compatible devices and more details about Samsung Pay, please refer to www.samsung.com/hk/samsungpay/#samsung-pay. Huawei Pay is not applicable to BOC Commercial Cards. Huawei Pay is a trademark of Huawei Technologies Co., Ltd, registered in China and other countries. For compatible devices and more details about Huawei Pay, please refer to the Hong Kong website of Huawei Pay. For more details on UnionPay App, please visit www.unionpayintl.com/en and go to "Mobile Payment" in "Products & Services" section.
    
    
23. These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
    
    
24. No person other than the cardholder and the Company will have any rights under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefits of any of the provisions of these terms and conditions.
    
    
25. The Company reserves the right to amend, suspend or cancel the Promotion or its terms and conditions, and the right of final decision on all matters and disputes.
    
    
26. Should there be any discrepancy or inconsistency between the English and the Chinese versions of these terms and conditions, the Chinese version shall prevail.