1. 8% cashback is applicable to the first 1,250 HKD eligible transaction on livi PayLater each calendar month at Designated Merchants, while the 1% cashback is applicable to the first 10,000 HKD on livi PayLater Mastercard / livi Debit Mastercard / livi UnionPay QR payment each calendar month for all eligible transactions. Customers cannot enjoy 8% cashback offer and 1% cashback offer on the same eligible transaction on livi PayLater simultaneously. Terms and Conditions – livi PayLater Mastercard 8% Cashback Offer & livi 1% Spending Cashback Offer apply.
2. The “$0 Handling fee"/ "interest free" offer only applies to spending instalments with 3-month tenor in promotion period and does not apply to spending instalments with 6-month tenor or above. The actual handling fee / interest is dependent on the customer’s loan amount, credit rating and other factors considered by livi.
3. For the Extra Rewards and Privileges of above merchants, relevant terms and conditions apply. Please also refer to the the below remarks for details:
- HBX Offer brand exclusions include but are not limited to ACRONYM, Adidas Originals x Mastermind World, Advisory Board Crystals, Dominans Stravan, Hypebeast Magazine, HYPETRAK Magazine, Human Made, Jason Markk, Jordan Brand, Mastermind World, Medicom Toy, Nike, New Balance, Places + Faces, Polo Ralph Lauren, Ron English, Stone Island, Vans, Yarn Studios.  For full brand exclusions, refer to "https://hbx.com/terms#sign-up-now"
4. Merchants have sole and absolute discretion on the selection of covered items across all promoitonal offers. For details, please consult the merchants. Quotas are limited and the offer is rewarded on a first-come-first-served basis.
5. livi PayLater is a credit product.
6. To borrow or not to borrow? Borrow only if you can repay!