General Terms and Conditions of Shanghai Commercial Bank Credit Card “Year Round Merchant Offers Program”
1. Unless otherwise specified, the promotion period (the “Promotion Period”) of Year Round Merchant Offers Program (the “Program”) is valid until 31 December 2023.
2. The Program is only applicable to the principal and supplementary card cardholders of the credit cards/co-branded credit cards/business credit cards (except RMB credit cards) (the “Designated Credit Cards”) issued by Shanghai Commercial Bank Limited (the "Bank").
3. Offers are applicable to UnionPay Dual Currency Diamond Credit Card cardholders at outlets accepting this card for payment; please check with respective merchants for details.
4. To be eligible for the offers under the Program, cardholders must present the Designated Credit Cards prior to the purchase/order/reservation and settle payment with the Designated Credit Cards (if applicable).
5. All dining offers are applicable to dine-in only and are not applicable to 10% service charge, tea and condiment charges (unless otherwise specified).
6. Unless otherwise specified, the offers cannot be used in conjunction with other promotional offers, discounts, membership benefits, cash coupons, vouchers, fixed price items, special price items and promotional items, etc. The offers cannot be exchanged for cash, other products or discounts and are not transferable. Please contact the merchants for details.
7. All photos are for reference only.
8. All products and services are supplied by the merchants who are solely responsible for all obligations and liabilities relating to the products, quality of service, supply and/or other related matters, to which the Bank shall have no liability whatsoever. Any disputes or complaints in respect to the products and/or services shall be made to the merchants directly.
9. The offers are subject to availability and the relevant terms and conditions of the respective merchants. For details, please contact the respective merchants.
10. If the respective merchant is closed for business, the offers will be terminated without prior notice to cardholders.
11. The Bank and the merchants reserve the right to amend these Terms and Conditions, change or terminate the offers without prior notice. The Bank accepts no liability for any changes or termination of the offers and will not notify the cardholders separately of any such changes or termination.
12. In case of any disputes, the decision of the Bank and the merchants shall be final.
13. In case of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

General Terms and Conditions for HSBC Credit Card Red Hot Year-round Offers

When can you enjoy the offer
1. The promotional period is from 1 January to 31 December 2023.

What is the offer
2. Year-round offers :
a. During the promotional period, you can enjoy dining or shopping offers of up to 10% off at Participating Merchants with your Eligible Credit Card.
3. Birthday offers:
a. You can enjoy birthday offers once during your birthday month. You are required to state the offer redemption in advance and pay for the transaction conducted at the selected hotels/restaurants with the designated Eligible Credit Card in order to enjoy the birthday offers.

How can you enjoy the offer
4. You can enjoy the offer during the promotional period if you:
a. hold an Eligible Credit Card and your credit card account is valid and in good standing;
b. make a three-day advance reservation to enjoy the birthday offers (unless otherwise specified). Please check with the Participating Merchants for details; and
c. to enjoy the birthday offers, Participating Merchants may ask you to present proof of identity for birthday month verification. Any collection of such personal data will be in accordance with the Participating Merchant's terms and conditions. We accept no liability in respect of the Participating Merchant's collection of the personal data.
5. You cannot:
a. transfer the offer or exchange it for cash or other products, services or discounts; and
b. use the offer in conjunction with other promotional programmes, offers, discounts, coupons, membership benefits or VIP privileges (unless otherwise specified). You may check with the Participating Merchants for details.

Read before you enjoy the offer
6. The offers are applicable to your HSBC UnionPay Dual Currency Credit Card only at outlets accepting it for payment.
7. Designated offers are applicable exclusively to designated card type(s) only. Please refer to individual offers for details of applicable card type(s).
8. The offers are applicable to regular priced items only and are not applicable to other discounted items, special/promotional offers, fixed price items, special promotional menu, guest chef promotions, cigarettes/cigars/tobacco, bottled wine, liquor, spirit, private functions, banquets, weddings, meetings/conferences, catering services, room service, ticket sales events, coupons, cash vouchers, complimentary valet parking, bonus point programme, any mileage programmes, sales merchandise, VIP/private rooms, any booked services before the promotional period and VIP/membership benefits (unless otherwise specified). Please check with the Participating Merchants for details.
9. The dining offers are only applicable to food bills (unless otherwise specified) and dine-in consumption only. Discounts on the beverage bills are only applicable to specific merchants. Please check with the Participating Merchants for details.
10. The dining offers in hotels are only applicable to 2-12 persons (unless otherwise specified). Please check with the Participating Merchants for details.
11. The maximum number of diners per table will be subject to the rules and regulation announced by the Government and the respective merchants.
12. The dining offers are not applicable to service charge, and any charge for tea and condiments (unless otherwise specified). Please check with the Participating Merchants for details.
13. You must be one of the patrons. Advance booking by stating a redemption of the offers is required. You may have to present the Card prior to enjoying the offers. Please check with the Participating Merchants for details.
14. In addition to those black-out dates that may be imposed by individual merchant, the dining offers are not valid on general holidays (including Sundays) in Hong Kong, eve of general holidays (excluding Saturdays), festive days, eves of festive days, days with an open firework display, days where tickets are required for entry to the venue and black-out dates as specified by merchants. Please check with the Participating Merchants for details.
15. The offers shall be terminated immediately upon closure of the outlets or business shutdown.
16. In case of renovation in any of the outlets of the Participating Merchants, no offers will be available. Please check with the Participating Merchants for details.
17. The offers are subject to additional terms and conditions set out by the merchants. Please check with the Participating Merchants for details.
18. Prices and products/services/offers/food/beverages/menu descriptions are provided by the Participating Merchants and are for reference only. You understand and accept that we are not the supplier of such products/services/offers/food/beverages/menu purchased and you should refer to the Participating Merchants for details. We accept no liability for the quality of products/services/food/beverages provided by the Participating Merchants.
19. All products and services relating to the promotion are available while stocks last. They are directly supplied by the Participating Merchants or third-party suppliers, and we accept no liability for their quality.
20. The use of the birthday offer will be subject to terms and conditions, please check with the Participating Merchants for details.
21. These terms and conditions and other terms and conditions of the Eligible Credit Card and the Participating Merchants will apply. We and the Participating Merchants reserve the right to vary or cancel the offer, or amend the terms and conditions from time to time without prior notice. Please refer to our website for the latest details, availability and terms and conditions of the offer.
22. If we or the Participating Merchants believe that you have acted in a fraudulent or abusive manner, you will not be able to enjoy the offer.
23. In case of disputes arising out of this promotion, the decision of the Participating Merchants and/or us shall be final and conclusive.
24. We write the terms and conditions of the offer under Hong Kong laws. In the event of any discrepancy or inconsistency between the English and Chinese versions of the promotional materials and these terms and conditions, the English version shall prevail.

What these terms mean
25. 'Eligible Credit Card' refers to any HSBC Personal and Business credit cards (excluding Purchasing Card and Private Label Card) issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns).
26. 'Participating Merchant' refers to respective merchants which offering year-round offer and/or Birthday offer for HSBC Credit Cardholder.

General Terms and Conditions for Hang Seng Credit Card and Hang Seng Affinity Card 2023 Year-round Discount Offers:
1. The offers are valid until 31 December 2023.
2. To enjoy the offers, customers are required to present Hang Seng Credit Card, Affinity Card or Spending Card before ordering / upon making reservation / upon purchase, and to settle payment with Hang Seng Credit Card, Affinity Card and Spending Card.
3. Selected Credit Card offers are only applicable to Selected Hang Seng Credit Card customers. Selected Hang Seng Credit Card includes: Hang Seng Visa Infinite Card, Prestige World Mastercard®, World Mastercard, The Hong Kong Jockey Club Membership Card (Platinum Mastercard and Gold Mastercard), The Racing Club Membership Card, Platinum Card, Prestige Banking Renminbi Platinum Card, Renminbi Platinum Card, Affinity Platinum Card, Affinity Platinum Spending Card, Commercial Card, UnionPay Renminbi Diamond Commercial Card, Business Card and any other Selected Hang Seng Credit Card issued by Hang Seng Bank Limited (“Hang Seng”).
4. The offers are applicable to Hang Seng UnionPay Credit Card Customers only at outlets accepting UnionPay Credit Card for payment.
5. The offers are applicable to outlets in Hong Kong only (unless otherwise specified).
6. To enjoy the hotel accommodation or beauty/ health/ haircare/ car service offers, advance reservations are required. These offers are subject to the availability of the hotel room or relevant service. Customers are required to present their Hang Seng Credit Card, Affinity Card or Spending Card upon hotel check-in or before enjoying the relevant offers.
7. The dining offers are not applicable to 10% service charge, charge for tea and condiments, takeaway services, set menu, regular-priced dishes/ special-priced items, private functions, banquets, private parties, catering services, tickets, ticket sales events and during happy hours (unless otherwise specified). Minimum consumption requirements of the respective merchants shall not include 10% service charge (unless otherwise specified). One dining offer can be used per table per patronage only.
8. The hotel accommodation offers are subject to 10% service charge (based on the original price), and are not applicable to function rooms, conference rooms and long-stay appointments (unless otherwise specified).
9. The dining and hotel accommodation offers are not applicable on public holidays and eves, festive days and eves, fireworks display nights, when tickets are required for entry to the relevant hotels/ restaurants and other dates as designated from time to time by the merchants (unless otherwise specified). Please check with the respective merchants for details.
10. The offers are applicable to regular-priced items/ services only and are not applicable to fixed-priced, special-priced, consignment, promotional, festive and designated items/ services (unless otherwise specified).
11. The offers are not transferable, and cannot be redeemed or exchanged for cash, other products or discounts, and cannot be used in conjunction with other promotional offers, discounts, coupons, cash coupons, cake coupons or membership benefits/ VIP cards/ VIP bonus point programs of the merchants (unless otherwise specified).
12. Promotional/ redemption/ gift items are only available while stock lasts for selected offers. Each customer may enjoy such offer once only.
13. Additional terms and conditions are applicable to individual offer, please check with the respective merchants for details.
14. Offers are subject to availability and the offer details may be changed from time to time without prior notice.
15. Upon closure of the respective merchants, the relevant offers shall be terminated immediately.
16. All products, services, and information related to the offers are directly sold and supplied to customers by the respective merchants who are solely responsible for all related obligations and liabilities.
17. Hang Seng and the Merchant reserve the right to suspend, revise or terminate the above offers and amend the terms and conditions thereof at any time without prior notice.
18. In case of any dispute, the decision of Hang Seng and the respective merchants shall be final.
19. No person other than the Customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
20. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
21. These Terms and Conditions are subject to prevailing regulatory requirements.
22. In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Remarks:
- Hang Seng Credit Card Cash Dollars (“Cash Dollars”) and Merchant Dollars (“Merchant Dollars”) are not applicable to Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card, Hang Seng UnionPay Renminbi Diamond Commercial Card, USD Visa Gold Card, Renminbi Credit Card, e-shopping Mastercard and Private Label Cards. yuu Reward Points (“yuu Reward Points”) are applicable to Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card only. Cash Dollars year-round offers are subject to the related terms and conditions. Use of Cash Dollars and/ or Merchant Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Program. Use of yuu Reward Points is subject to the terms and conditions for Hang Seng enJoy Card Reward Point Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
- Hang Seng Spending Card account is a non-interest bearing account. Funds maintained in the Hang Seng Spending Card account are not protected deposit and are not protected by the Deposit Protection Scheme in Hong Kong.

General Terms and Conditions of "Year-round and Privileged Offers":
1. The "Year-round and Privileged Offers" ("Offer") is valid from 1 Jan 2023 to 31 Dec 2023 (both dates inclusive) ("Promotion Period") (unless otherwise specified).
2. The Offer only applies to customers holding Principal Card or Supplementary Card of the credit card or Co-brand card ("Eligible Card") issued by Dah Sing Bank, Limited ("Bank") ("Eligible Cardholder"). The Bank's Cash Card, Corporate Card, Purchasing Card, Business Card, Gift Card, Private Label Card, "Smart Choice" Balance Transfer Program Account and Cash Conversion Plan Account are not eligible. Some participating merchants of the Offer ("Participating Merchants") do not accept payment with UnionPay Dual Currency Credit Card. Please refer to the Participating Merchants for details.
3. The Eligible Cardholder must settle full payment with Eligible Card to enjoy the Offer.
4. The Eligible Cardholder must also be a member of the Participating Merchant. To register as a member, please refer to the Participating Merchants for details. The personal data of Eligible Cardholders may be collected by Participating Merchants and the use of such personal data shall be subject to the Personal Information Collection Statement issued by Participating Merchants. For details, please refer to the website of the Participating Merchants (if applicable).
5. Unless otherwise specified, the Offer is available at all outlets, websites and / or mobile apps of the Participating Merchants (if applicable). In order to be eligible for the Offer, the Eligible Cardholder must enter a designated promo code / offer code / coupon code (if applicable) when making payment via the Participating Merchant's website or mobile app. The Bank or the Participating Merchants shall not be liable if the Eligible Cardholder fails to enter the designated promo code / offer code / coupon code and is unable to enjoy the Offer.
6. Foreign currency transactions shall be automatically converted into Hong Kong dollars on the date the relevant transaction is processed at a rate determined by the relevant card association (i.e. VISA International, MasterCard Asia / Pacific (Hong Kong) Limited, UnionPay International) (if applicable). For details of service charges relating to foreign currency transactions, please refer to "List of Service Charges for Dah Sing Credit Card / Private Label Card" issued by the Bank.
7. The Offer is only applicable to regular-priced items and is not applicable to fixed-priced, selected, discounted or promotional items (unless otherwise specified) (if applicable).
8. The Offer cannot be exchanged for cash, bonus points, other products, services or discounts. The Offer is not refundable and transferable and cannot be used in conjunction with other promotional offers, discounts, discount cards, VIP cards, cash vouchers and gift vouchers (unless otherwise specified) (if applicable).
9. The Offer shall be terminated immediately in the event that the Participating Merchant ceases business.
10. All photos, product prices and product information that relate to the Offer are provided by the Participating Merchants and are for reference purposes only. The Offer is subject to the relevant Terms and Conditions issued by the Participating Merchants. For details, please contact the Participating Merchants.
11. The use of cash coupons / gift coupons is subject to the relevant terms and conditions printed thereon. The Bank is not the supplier of any cash coupons / gift coupons / other gifts / products / food / services offered to the Eligible Cardholders and shall not be responsible for any matters in relation to the quality and availability of cash coupons / gift coupons / other gifts / products / food / services. The Bank makes no representation or guarantee in respect of such cash coupons / gift coupons / other gifts / products / food / services supplied under the Offer. Any enquiry, comment or complaint about such cash coupons / gift coupons / other gifts / products / food / services should be directed to Participating Merchants.
12. The Offer is subject to availability. The price and Offer terms may be changed from time to time. The Bank and Participating Merchants reserve the right to amend these Terms and Conditions or cancel or amend the Offer at any time without prior notice. For details, please contact the Participating Merchants. Should any disputes arise, the decision of the Bank and the Participating Merchants shall be final.
13. These Terms and Conditions shall form part of the applicable agreements governing the use of Eligible Cards and shall be construed accordingly. In case of any conflict between these Terms and Conditions and such agreements, these Terms and Conditions shall prevail.
14. In case of any fraud / abuse / reversal or cancellation of transactions in respect of which the Offer is awarded, the Bank reserves the right to debit the equivalent amount of the Offer from the Eligible Cardholder's account(s) without prior notice.
15. In the event of any discrepancy between the Chinese version and English version of these Terms and Conditions, the Chinese version shall prevail.
16. Gifts are available while stock lasts. Participating Merchants reserve the right to offer any alternative products if the relevant product is out of stock or otherwise not available without prior notice (if applicable).

Dining Offer's Terms and Conditions (if applicable):
1. The Offer is not valid on public holidays and eves, festive days and eves and black-out days such as Valentine's Day, Mother's Day, Father's Day and etc (unless otherwise specified).
2. The Offer is valid for dine-in food only. Advance booking is required. The Eligible Cardholder must indicate that the bill will be settled using an Eligible Card (as defined under clause 2 of the General Terms and Conditions) before ordering. The Offer is not applicable to discounted set meal / dishes (unless otherwise specified).
3. The Offer is not applicable to private parties, private room dining, banquets, special functions, room services, beverages, cigarette and liquor, promotional items / menus, ticketed events, tea and condiments and 10% service charges (unless otherwise specified).
4. If any food items are sold out, Participating Merchants reserve the right to substitute such items with alternative items without prior notice.

全年優惠一般條款及細則
1. 推廣期由2023年1月1日至2023年12月31日(包括首尾兩日)。個別商戶的推廣期將有所不同，詳情請參閱商戶優惠一般條款及細則。
2. 持卡人須於點菜前／預約時／惠顧前(如適用)出示合資格之安信信用卡 ，並以該卡簽賬付款方可享優惠。
3. 全年商戶優惠可能不適用於公眾假期及節日(前夕及正日)及商戶不時指定之其他日子，詳情請向有關參與商戶查詢。
4. 全年商戶優惠須視乎供應情況而定。如有任何更改，將以惠顧時之優惠詳情為準。
5. 全年商戶優惠不可與其他優惠同時使用，亦不可兌換現金、其他貨品及不可轉讓。
6. 所有貨品資料、價目及圖片只供參考。
7. 除此宣傳品所含之條款及細則外，全年商戶優惠亦須受有關商戶的其他條款約束，詳情請參考個別優惠及推廣或向有關商戶查詢。
8. 商戶有權更改有關優惠推廣之期限，安信信貸有限公司（「安信」）概不承擔任何有關是項更改的責任，亦恕不另行通知客戶。
9. 如有參與商戶停止營業，該參與商戶所提供之優惠將會即時終止。
10. 安信對商戶提供的食品、產品或服務質素概不承擔任何責任及賠償，商戶將負上所有食品、產品及服務的法律責任。
11. 安信及商戶保留毋須事先通知的情況下更改、暫停或取消有關優惠及/或修訂其條款及細則的酌情權。
12. 安信及商戶對所有推廣及優惠事宜與及爭議保留最終決定權。

全年優惠一般條款及細則
1. 推廣期由2023年1月1日至2023年12月31日(包括首尾兩日)。個別商戶的推廣期將有所不同，詳情請參閱商戶優惠一般條款及細則。
2. 持卡人須於點菜前／預約時／惠顧前(如適用)出示合資格之安信信用卡 ，並以該卡簽賬付款方可享優惠。
3. 全年商戶優惠可能不適用於公眾假期及節日(前夕及正日)及商戶不時指定之其他日子，詳情請向有關參與商戶查詢。
4. 全年商戶優惠須視乎供應情況而定。如有任何更改，將以惠顧時之優惠詳情為準。
5. 全年商戶優惠不可與其他優惠同時使用，亦不可兌換現金、其他貨品及不可轉讓。
6. 所有貨品資料、價目及圖片只供參考。
7. 除此宣傳品所含之條款及細則外，全年商戶優惠亦須受有關商戶的其他條款約束，詳情請參考個別優惠及推廣或向有關商戶查詢。
8. 商戶有權更改有關優惠推廣之期限，安信信貸有限公司（「安信」）概不承擔任何有關是項更改的責任，亦恕不另行通知客戶。
9. 如有參與商戶停止營業，該參與商戶所提供之優惠將會即時終止。
10. 安信對商戶提供的食品、產品或服務質素概不承擔任何責任及賠償，商戶將負上所有食品、產品及服務的法律責任。
11. 安信及商戶保留毋須事先通知的情況下更改、暫停或取消有關優惠及/或修訂其條款及細則的酌情權。
12. 安信及商戶對所有推廣及優惠事宜與及爭議保留最終決定權。

General Terms and Conditions for HSBC Credit Card Red Hot Year-round Offers

When can you enjoy the offer
1. The promotional period is from 1 January to 31 December 2023.

What is the offer
2. Year-round offers :
a. During the promotional period, you can enjoy dining or shopping offers of up to 10% off at Participating Merchants with your Eligible Credit Card.
3. Birthday offers:
a. You can enjoy birthday offers once during your birthday month. You are required to state the offer redemption in advance and pay for the transaction conducted at the selected hotels/restaurants with the designated Eligible Credit Card in order to enjoy the birthday offers.

How can you enjoy the offer
4. You can enjoy the offer during the promotional period if you:
a. hold an Eligible Credit Card and your credit card account is valid and in good standing;
b. make a three-day advance reservation to enjoy the birthday offers (unless otherwise specified). Please check with the Participating Merchants for details; and
c. to enjoy the birthday offers, Participating Merchants may ask you to present proof of identity for birthday month verification. Any collection of such personal data will be in accordance with the Participating Merchant's terms and conditions. We accept no liability in respect of the Participating Merchant's collection of the personal data.
5. You cannot:
a. transfer the offer or exchange it for cash or other products, services or discounts; and
b. use the offer in conjunction with other promotional programmes, offers, discounts, coupons, membership benefits or VIP privileges (unless otherwise specified). You may check with the Participating Merchants for details.

Read before you enjoy the offer
6. The offers are applicable to your HSBC UnionPay Dual Currency Credit Card only at outlets accepting it for payment.
7. Designated offers are applicable exclusively to designated card type(s) only. Please refer to individual offers for details of applicable card type(s).
8. The offers are applicable to regular priced items only and are not applicable to other discounted items, special/promotional offers, fixed price items, special promotional menu, guest chef promotions, cigarettes/cigars/tobacco, bottled wine, liquor, spirit, private functions, banquets, weddings, meetings/conferences, catering services, room service, ticket sales events, coupons, cash vouchers, complimentary valet parking, bonus point programme, any mileage programmes, sales merchandise, VIP/private rooms, any booked services before the promotional period and VIP/membership benefits (unless otherwise specified). Please check with the Participating Merchants for details.
9. The dining offers are only applicable to food bills (unless otherwise specified) and dine-in consumption only. Discounts on the beverage bills are only applicable to specific merchants. Please check with the Participating Merchants for details.
10. The dining offers in hotels are only applicable to 2-12 persons (unless otherwise specified). Please check with the Participating Merchants for details.
11. The maximum number of diners per table will be subject to the rules and regulation announced by the Government and the respective merchants.
12. The dining offers are not applicable to service charge, and any charge for tea and condiments (unless otherwise specified). Please check with the Participating Merchants for details.
13. You must be one of the patrons. Advance booking by stating a redemption of the offers is required. You may have to present the Card prior to enjoying the offers. Please check with the Participating Merchants for details.
14. In addition to those black-out dates that may be imposed by individual merchant, the dining offers are not valid on general holidays (including Sundays) in Hong Kong, eve of general holidays (excluding Saturdays), festive days, eves of festive days, days with an open firework display, days where tickets are required for entry to the venue and black-out dates as specified by merchants. Please check with the Participating Merchants for details.
15. The offers shall be terminated immediately upon closure of the outlets or business shutdown.
16. In case of renovation in any of the outlets of the Participating Merchants, no offers will be available. Please check with the Participating Merchants for details.
17. The offers are subject to additional terms and conditions set out by the merchants. Please check with the Participating Merchants for details.
18. Prices and products/services/offers/food/beverages/menu descriptions are provided by the Participating Merchants and are for reference only. You understand and accept that we are not the supplier of such products/services/offers/food/beverages/menu purchased and you should refer to the Participating Merchants for details. We accept no liability for the quality of products/services/food/beverages provided by the Participating Merchants.
19. All products and services relating to the promotion are available while stocks last. They are directly supplied by the Participating Merchants or third-party suppliers, and we accept no liability for their quality.
20. The use of the birthday offer will be subject to terms and conditions, please check with the Participating Merchants for details.
21. These terms and conditions and other terms and conditions of the Eligible Credit Card and the Participating Merchants will apply. We and the Participating Merchants reserve the right to vary or cancel the offer, or amend the terms and conditions from time to time without prior notice. Please refer to our website for the latest details, availability and terms and conditions of the offer.
22. If we or the Participating Merchants believe that you have acted in a fraudulent or abusive manner, you will not be able to enjoy the offer.
23. In case of disputes arising out of this promotion, the decision of the Participating Merchants and/or us shall be final and conclusive.
24. We write the terms and conditions of the offer under Hong Kong laws. In the event of any discrepancy or inconsistency between the English and Chinese versions of the promotional materials and these terms and conditions, the English version shall prevail.

What these terms mean
25. 'Eligible Credit Card' refers to any HSBC Personal and Business credit cards (excluding Purchasing Card and Private Label Card) issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns).
26. 'Participating Merchant' refers to respective merchants which offering year-round offer and/or Birthday offer for HSBC Credit Cardholder.