Offers are only applicable at website and MyiCellar App
Free delivery for single purchase of HKD500 or above (including Hong Kong island, Kowloon, New Terriroties, Tung Chung, Diacovery Bay and Ma Wan), HKD 60 delivery charge shall apply if the purchase amount below HKD500, please check the details with MyiCellar
Each customer can enjoy the offer once only
Please visit www.myicellar.com/terms-and-condition for terms and conditions
If any products become out of stock, MyiCellar reserve the right to offer alternative products of similar value and style
MyiCellar will contact customer to confirm the stock availability and pricing within 5 working days

1. The promotion is applicable to the selected items of designated website https://www.myicellar.com/promo/hsbcyro-1425
2. Eligible cardholders must register as MyiCellar member, make transactions at myiCellar Mobile App within the promotion period and input designated promo code when checkout.
3. Each eligible cardholders can enjoy promo code once during the promotion period.
4. The offer is only applicable to the selected items listed in this page.
5. Free delivery for a single purchase of HKD500 or above is available at addresses located in Hong Kong Island, Kowloon, New Territories, Tung Chung, Discovery Bay and Ma Wan. HKD60 delivery charge shall apply if the purchase amount is below HKD500. Please check with MyiCellar for details.
6. MyiCellar Terms & Conditions apply, please visit www.myicellar.com/terms-and-condition.html for details.
7. MyiCellar shall make every effort to ensure that prices, vintage, details and sizes of products at our e-store are up-to-date. Prices are subject to change without prior notice and all orders are subject to our acceptance at our sole discretion and stock availability.
8. Myicellar shall make every effort to ensure product(s) displayed at our online shop are in stock. If from time to time any products become out of stock, we reserve the right to offer alternative product(s) of similar value and style.
9. All orders are subject to confirmation of final availability and we reserve the right to reject the order in the vent that any of the products or services requested are unavailable.
10. MyiCellar will contact customer to confirm the stock availability and pricing within 3 working days.
11. All matters and disputes are subject to the final decision of MyiCellar Limited, where these terms and conditions are available in Chinese, the English version shall prevail whenever there is a discrepancy between the two versions.

Remarks:
1. Offer is limited and will be served on a first-come first-served basis. Each Cardholder is entitled to offer at most once. Quota full message will be shown on the Merchant’s webpage if quota of the Offer is full.
2. All payments via e-Wallet (except for Apple Pay, Google Pay and Samsung Pay), reloads of e-Wallet or Octopus Automatic Add-Value Service shall not be considered as Eligible Transactions

DBS Credit Card x MyiCellar Spending Offer Terms and Conditions:
1. DBS Credit Card x MyiCellar Spending Offer (“Promotion”) is only applicable to the cardholders (“Cardholders”) of DBS Credit Cards and Co-branded Cards (excluding Private Label Cards and Business Cards) (“Applicable Credit Cards”) issued by DBS Bank (Hong Kong) Limited (the “Bank”).
2. The Promotion runs from 1 March 2022 to 31 December 2022, both dates inclusive (“Promotion Period”).
3. During Promotion Period, Cardholders who are being MyiCellar’s (“Merchant”) member and shop at Merchant‘s designated webpage (https://www.myicellar.com/promo/dbsyro-1240/) paying with Applicable Credit Cards in Hong Kong Dollars (“Eligible Transaction”) and inputting a valid promo code (“Promo Code”) can enjoy the corresponding offer on selected products (“Offer”) below:
a. Offer 1: Cardholders who is Merchant’s member and conduct a net single Eligible Transaction of HK$1,200 or above, and input a valid promo code (DBS120cheers), can enjoy HK$120 discount after net discount; OR
b. Offer 2: Cardholders who is Merchant’s member and conduct a net single Eligible Transaction of HK$2,500 or above and input a valid promo code (DBS300cheers) can enjoy HK$300 discount after net discount.
4. Offer is limited and will be served in first come first served basis. Each Cardholder is entitled to each offer at most once. Quota full message will be shown on the Merchant’s webpage if quota of the Offer is full.
5. Cardholders are required to register as Merchant members to use the promo code, and input the above Promo Code when conducting Eligible Transactions in order to enjoy the Offer. To use the Promo Code, Cardholders must input the Promo Code at Merchant’s Website before checkout. The Bank and the Merchant will not accept any liability should a Cardholder fail to input the Promo Code when conducting Eligible Transactions and that it results in forfeiture of the Cardholder’s eligibility to the Offer.
6. Unless expressly specified, Offer cannot be used in conjunction with other promotional offers or discounts, coupons or membership offers.
7. The Terms of Service set out at www.myicellar.com/terms-and-condition.html shall apply to all uses of the Promo Code.
8. For the avoidance of doubt, the following types of transactions shall not be considered as Eligible Transactions:
a. Any transactions that are subject to cancellation, charge-back, return of goods and/or refund;
b. Any autopay, unposted transactions, or bill payment transactions of any means as specified by the Bank from time to time;
c. All payments via e-Wallet, reloads of e-Wallet or Octopus Automatic Add-Value Service; or
d. Any other type of transaction as determined by the Bank from time to time.
9. Offer is only applicable to Cardholders whose Applicable Credit Card accounts are valid, not in default and in good standing (as determined by the Bank at its sole discretion) during the Promotion Period and when the Offer is issued. If the status of a Cardholder’s Applicable Credit Card account is not in good standing, the Bank reserves the right to disqualify the Cardholder from participating in the Promotion and/or enjoying the Offer.
10. The Offer entitled by Cardholders shall be determined by the Bank at its sole discretion based on the Bank’s record. If there is any discrepancy between the record held by Cardholders and that held by the Bank, the Bank’s record shall be conclusive and binding on the Cardholders.
11. Cardholders must retain the original transaction slips of any transactions. In case of any disputes, the Bank reserves the right to require Cardholders to submit the relevant original transaction slips, other documents or evidence for verification. The submitted transaction slips, documents and/or evidence will not be returned. If there is any discrepancy between the Bank’s record and Cardholder’s record of any transaction, the Bank’s record shall prevail.
12. The Bank is not the supplier of the products/services and the description, photos or reference price (if any) in relation to the products/services, which are not provided by the Bank and intended to be for reference only. Any enquiry, claim or complaint in relation to the quality or availability of the products/services or the accuracy of any of the aforementioned information contained on this marketing material shall be directed to the participating suppliers. The Bank shall assume no liability in respect thereof.
13. Participation in the Promotion is subject to there being no abuse or non-compliance by the Cardholder, failing which the Bank will debit the values of the Offer from the Cardholder’s account without notice and/or take such action to recover any outstanding amounts.
14. The Bank and the Merchant may change these terms and conditions and/or modify or terminate the Promotion. The Bank and the Merchant’s decision are final.
15. The English version shall prevail if there is any inconsistency between the English and Chinese versions.

General Terms and Conditions for DBS Credit Card Offers:
1. Unless otherwise specified, the promotion offers published in this webpage ("Offers") are only applicable to the cardholders of DBS Credit Cards, DBS Co-branded Cards and DBS COMPASS VISA (excluding Business Card and Private Label Card) (“Applicable Credit Cards”) issued by DBS Bank (Hong Kong) Limited (the “Bank”) (“Cardholders”).
2. To enjoy the Offers, Cardholders are required to settle payment with the Applicable Credit Cards.
3. For Cardholders holding DBS Black American Express® Card, Offers are applicable to them only at merchants’ outlets (either physical or online) accepting American Express® Card for payment.
4. Certain Offers are not valid on public holidays, eves of public holidays, festive days, eves of festive days and black-out days as designated by the merchants. Please contact the respective merchants for details.
5. Cardholders should confirm the Offers with the respective merchants before payment. Unless otherwise specified, the Offers are only applicable to the respective merchant outlets in Hong Kong.
6. Unless otherwise specified, the Offers are applicable to regular-priced items only and not applicable to fixed-priced, discounted, consignment, promotional, festive and designated items/services. The Offers cannot be used in conjunction with other promotional offers or discounts, coupons or membership offers.
7. Advance appointment with mentioning of using the Offers during reservation may be required for specific merchants. Please call the respective merchants for details in advance.
8. Unless otherwise specified, the Offers related to dining are not applicable to take-away items, set menu, discounted dishes, room services, meetings, private functions, banquets, catering services, happy hours, charge for tea and condiments and 10% service charge.
9. All products and services are subject to availability while stocks last.
10. The prices of all products and services published in this webpage are for reference only. No notice will be made should there be any changes.
11. The Bank is not the supplier of the products/services or the description, photos or reference prices (if any) in relation to the products/services published in this webpage (which are intended to be for reference only). Any enquiry, claim or complaint in relation to the quality or availability of the products/services or the accuracy of any of the aforementioned information contained in this webpage shall be directed to the relevant merchants. The Bank shall assume no liability in respect thereof.
12. The Bank will not accept any liability for any loss incurred by Cardholders should the respective merchants refuse to provide the Offers.
13. Besides these terms and conditions, each Offer is subject to specific terms and conditions applicable to it.
14. A person who is not a party to these terms and conditions may not enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong).
15. The Bank and the respective merchants may change these terms and conditions and/or modify or terminate the Offers. The Bank’s and the respective merchant’s decision are final.
16. The English version shall prevail if there is any inconsistency between the English and Chinese versions.

Remarks:
1. Offer is limited and will be served on a first-come first-served basis. Each Cardholder is entitled to offer at most once (except up to 45% off offer and free delivery offer). Quota full message will be shown on the Merchant’s webpage if quota of the Offer is full.
2. All payments via e-Wallet (except for Apple Pay, Google Pay and Samsung Pay), reloads of e-Wallet or Octopus Automatic Add-Value Service shall not be considered as Eligible Transactions.

DBS Credit Card x MyiCellar Selected Products Spending Offer Terms and Conditions:
1. DBS Credit Card x MyiCellar Selected Products Spending Offer (“Promotion”) is only applicable to the cardholders (“Cardholders”) of DBS Credit Cards and Co-branded Cards (excluding Private Label Cards and Business Cards) (“Applicable Credit Cards”) issued by DBS Bank (Hong Kong) Limited (the “Bank”).
2. The Promotion runs from 1 March 2022 to 31 December 2022, both dates inclusive (“Promotion Period”).
3. During Promotion Period, Cardholders who are being MyiCellar’s (“Merchant”) member and shop at Merchant’s designated webpage (http://www.myicellar.com/com/dbstactical?token=dbs202203) and paying with Applicable Credit Cards in Hong Kong Dollars (“Eligible Transaction”) can enjoy below offers(“Offer”):
a. Selected products up to 45% off;
b. Spending upon single purchase of HK$500 or above can enjoy free delivery;
c. From 1 March to 31 March 2022, spending upon single purchase of HK$800 or above, can enjoy 1 Sake Online Workshop offered by Merchant.
4. Offer is limited and will be served in first come first served basis. Each Cardholder is entitled to Offer at most once, except for Offer a and b. Quota full message will be shown on the Merchant’s webpage if quota of the Offer is full.
5. Unless expressly specified, Offer cannot be used in conjunction with other promotional offers or discounts, coupons or membership offers.
6. The Terms of Service set out at www.myicellar.com/terms-and-condition.html shall be applied to Merchant.
7. Regarding to the Sake Online Workshop offered by Merchant, please visit Merchant’s website: http://www.myicellar.com/com/dbstactical?token=dbs202203
8. For the avoidance of doubt, the following types of transactions shall not be considered as Eligible Transactions:
a. Any transactions that are subject to cancellation, charge-back, return of goods and/or refund;
b. Any autopay, unposted transactions, or bill payment transactions of any means as specified by the Bank from time to time;
c. All payments via e-Wallet, reloads of e-Wallet or Octopus Automatic Add-Value Service; or
d. Any other type of transaction as determined by the Bank from time to time.
9. Offer is only applicable to Cardholders whose Applicable Credit Card accounts are valid, not in default and in good standing (as determined by the Bank at its sole discretion) during the Promotion Period and when the Offer is issued. If the status of a Cardholder’s Applicable Credit Card account is not in good standing, the Bank reserves the right to disqualify the Cardholder from participating in the Promotion and/or enjoying the Offer.
10. The Offer entitled by Cardholders shall be determined by the Bank at its sole discretion based on the Bank’s record. If there is any discrepancy between the record held by Cardholders and that held by the Bank, the Bank’s record shall be conclusive and binding on the Cardholders.
11. Cardholders must retain the original transaction slips of any transactions. In case of any disputes, the Bank reserves the right to require Cardholders to submit the relevant original transaction slips, other documents or evidence for verification. The submitted transaction slips, documents and/or evidence will not be returned. If there is any discrepancy between the Bank’s record and Cardholder’s record of any transaction, the Bank’s record shall prevail.
12. The Bank is not the supplier of the products/services and the description, photos or reference price (if any) in relation to the products/services, which are not provided by the Bank and intended to be for reference only. Any enquiry, claim or complaint in relation to the quality or availability of the products/services or the accuracy of any of the aforementioned information contained on this marketing material shall be directed to the participating suppliers. The Bank shall assume no liability in respect thereof.
13. Participation in the Promotion is subject to there being no abuse or non-compliance by the Cardholder, failing which the Bank will debit the values of the Offer from the Cardholder’s account without notice and/or take such action to recover any outstanding amounts.
14. The Bank and the Merchant may change these terms and conditions and/or modify or terminate the Promotion. The Bank and the Merchant’s decision are final.
15. The English version shall prevail if there is any inconsistency between the English and Chinese versions.

General Terms and Conditions for DBS Credit Card Offers:
1. Unless otherwise specified, the promotion offers published in this webpage ("Offers") are only applicable to the cardholders of DBS Credit Cards, DBS Co-branded Cards and DBS COMPASS VISA (excluding Business Card and Private Label Card) (“Applicable Credit Cards”) issued by DBS Bank (Hong Kong) Limited (the “Bank”) (“Cardholders”).
2. To enjoy the Offers, Cardholders are required to settle payment with the Applicable Credit Cards.
3. For Cardholders holding DBS Black American Express® Card, Offers are applicable to them only at merchants’ outlets (either physical or online) accepting American Express® Card for payment.
4. Certain Offers are not valid on public holidays, eves of public holidays, festive days, eves of festive days and black-out days as designated by the merchants. Please contact the respective merchants for details.
5. Cardholders should confirm the Offers with the respective merchants before payment. Unless otherwise specified, the Offers are only applicable to the respective merchant outlets in Hong Kong.
6. Unless otherwise specified, the Offers are applicable to regular-priced items only and not applicable to fixed-priced, discounted, consignment, promotional, festive and designated items/services. The Offers cannot be used in conjunction with other promotional offers or discounts, coupons or membership offers.
7. Advance appointment with mentioning of using the Offers during reservation may be required for specific merchants. Please call the respective merchants for details in advance.
8. Unless otherwise specified, the Offers related to dining are not applicable to take-away items, set menu, discounted dishes, room services, meetings, private functions, banquets, catering services, happy hours, charge for tea and condiments and 10% service charge.
9. All products and services are subject to availability while stocks last.
10. The prices of all products and services published in this webpage are for reference only. No notice will be made should there be any changes.
11. The Bank is not the supplier of the products/services or the description, photos or reference prices (if any) in relation to the products/services published in this webpage (which are intended to be for reference only). Any enquiry, claim or complaint in relation to the quality or availability of the products/services or the accuracy of any of the aforementioned information contained in this webpage shall be directed to the relevant merchants. The Bank shall assume no liability in respect thereof.
12. The Bank will not accept any liability for any loss incurred by Cardholders should the respective merchants refuse to provide the Offers.
13. Besides these terms and conditions, each Offer is subject to specific terms and conditions applicable to it.
14. A person who is not a party to these terms and conditions may not enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong).
15. The Bank and the respective merchants may change these terms and conditions and/or modify or terminate the Offers. The Bank’s and the respective merchant’s decision are final.
16. The English version shall prevail if there is any inconsistency between the English and Chinese versions.

Terms and Conditions – livi x MyiCellar Exclusive 2% Cash Rebate Offer:
Promotion Period
1. This livi x MyiCellar Exclusive 2% Cash Rebate Offer (Offer) is valid from 1 April 2022 to 30 June 2022, both dates inclusive (Promotion Period).
Who can enjoy the Offer
2. The Offer is exclusive to customers of Livi Bank Limited (livi or we) who have successfully applied livi PayLater facility and have successfully completed the transaction below (Specified Transaction) during the Promotion Period and who fulfil other conditions set out in these Terms and Conditions (Eligible Customers).
3. Specified Transaction means:
a. a single transaction using livi PayLater Mastercard® (Specified Card) for payment at MyiCellar (Merchant); and
b. with a liviPayLater facility drawn to finance such transaction.
What is the Offer
4. The Offer is cash rebate of 2% of the amount of relevant Specified Transaction. Upon completion of a Specified Transaction, we will credit the Offer to the Eligible Customer’s liviSave Account within the next calendar month.
For the purpose of calculating the Offer:
a. the amount of the Specified Transaction is the net payment amount charged to the Specified Card after all applicable discounts, reductions and use of vouchers/gift cards, and will be rounded down to the nearest whole number. For example, an Eligible Transaction of HK$102.95 will be rounded down to HK$102;
b. if the Specified Transaction is settled in a currency other than Hong Kong Dollar, the Offer will be calculated based on the amount charged in Hong Kong Dollar according to the terms and conditions governing such Card;
c. the amount of Offer will be rounded down to the nearest cent. For example, if the Offer amount as calculated is HK$2.539, it will be rounded down to HK$2.53; and
d. if any refund or charge-back occurs (whether or not on a Specified Transaction) during the Promotion Period, we reserve the right to set off such refunded amount against the aggregate Specified Transaction amount of the calendar month in which the refund occurs when calculating the Offer. If the aggregate Specified Transaction amount of such calendar month is insufficient for such setoff, the balance will be set off against of Specified Transaction amounts of later months in the Promotion Period until the same is fully set off. Any such set-off will not affect our calculation on the Monthly Cap.
Conditions for enjoying the Offer
5. The Eligible Customer's liviSave Account and Specified Card must remain valid and in good standing as decided by livi at the time when the Offer is rewarded to him/her. Otherwise, the Offer will be cancelled or forfeited without prior notice to the Eligible Customer. The Eligible Customer should ensure the personal information registered with livi is valid and up to date.
6. Each Eligible Customer can earn up to HK$150 during each calendar month within the Promotion Period. The Offer has limited quotas and it is rewarded on a first-come-first-served basis. Our records on the Specified Transactions (including the date of the Specified Transactions and the information and documents submitted to us) and our records on the available Offer quotas are final and conclusive in the absence of obvious error.
7. We disclaim any liability or responsibility in relation to any dispute, agreement, arrangement, complaint, representation, etc. as between the Eligible Customer and the Merchant in relation to the Offer.
8. For the avoidance of doubt, nothing under these Terms and Conditions or the Offer will deem, imply, render or suggest that the Merchant is acting as an agent or representative of livi or otherwise soliciting business on behalf of livi.
Changing these Terms and Conditions
9. We reserve the right to vary these Terms and Conditions at any time. You may check our App or website for the latest information, availability and terms and conditions of this promotion.
Other terms
10. The Offer is not transferable, replaceable or redeemable for properties or other membership/loyalty points, rewards or privileges.
11. Any fraud or misrepresentation in obtaining the Offer and/or abuse of the Offer will result in its cancellation or forfeiture. We reserve the right to cancel or forfeit the Offer and to recover any costs and loss.
12. We have the right to suspend, terminate, revise or substitute the granting of the Offer at our discretion without prior notice.
13. No person other than the Eligible Customer and us will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any provisions of these Terms and Conditions.
14. In case of any dispute, our decision will be final and conclusive.
15. The availability and enjoyment of the Offer are subject to prevailing regulatory requirements.
16. These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
17. The English version of these Terms and Conditions shall prevail if there is any inconsistency between the English and the Chinese versions.

Terms and Conditions –livi PayLater Interest Free Offer with Designated Merchant:
Promotion Period
1. The Promotion Period for livi PayLater Interest Free Offer (Offer) varies for different Designated Merchant (Merchant). For details, please check our website (Promotion Period).
Who can enjoy the Offer
2. The Offer is exclusive to customers of Livi Bank Limited (livi or we) who have successfully applied livi PayLater facility (together with the livi PayLater Mastercard®),and have successfully completed the transaction below (Specified Transaction) at Merchant during the Promotion Period and who fulfil other conditions set out in these Terms and Conditions (Eligible Customers).
3. Specified Transaction means:
a. to spend with the Eligible Customer’s livi PayLater Mastercard; and
b. with a livi PayLater facility drawn to finance such spending.
4. Livi PayLater facility is subject to its own condition. For details, please check our App and Website.
What is the Offer
5. The Offer is a waiver of the monthly handing fee for up to certain months (Max Interest-Free Period) on the livi PayLater facility drawn to finance the Specified Transaction (Drawn Advance), without affecting any other fees and charges applicable on such Drawn Advance. For this purpose:
a. For Drawn Advance with an installment plan which does not exceed the Max Interest-Free Period, all monthly handling fee will be waived; and
b. For Drawn Advance with an installment plan which exceeds the Max Interest-Free Period, monthly handling fee will be waived from the first monthly statement until the Max Interest-Free Period is reached.
6. Merchant may offer various Max Interest-Free Period and may require minimum transaction amount or impose other terms and conditions. For details, please check our App Website or contact the Merchant directly.
Conditions for enjoying the Offer
7. The Eligible Customer's liviSave Account and livi PayLater facility must remain valid and in good standing as decided by livi at the time when the Offer is rewarded to him/her. Otherwise, the Offer will be cancelled or forfeited without prior notice to the Eligible Customer. The Eligible Customer should ensure the personal information registered with livi is valid and up to date.
8. There are limited quotas for the Offer and it is rewarded on a first-come-first-served basis. Our records on the Specified Transactions (including the date of the Specified Transactions and the information and documents submitted to us) and our records on the available Offer quotas are final and conclusive in the absence of obvious error.
9. livi may notify the Merchant when the Eligible Customer enjoys this Offer. The Eligible Customer agrees that livi may communicate and exchange his/her personal data with the Merchant for all purposes relating to the Offer.
10. We disclaim any liability or responsibility in relation to any dispute, agreement, arrangement, complaint, representation, etc. as between the Eligible Customer and the Merchant.
11. For the avoidance of doubt, nothing under these Terms and Conditions or the Offer will deem, imply, render or suggest that the Merchant is acting as an agent or representative of livi or otherwise soliciting business on behalf of livi.
12. We are not a supplier or service provider of the products/services/auxiliary services provided in the Specified Transaction, and shall not be responsible for any matters relating to them. The Merchant is solely responsible for all obligations and liabilities in relation to such products or services.
Changing these Terms and Conditions
13. We reserve the right to vary these Terms and Conditions at any time. You may check our App and website for the latest information, availability and terms and conditions of this promotion.
Other terms
14. The Offer is not transferable, refundable, replaceable or redeemable for cash, properties or other membership/loyalty points, rewards or privileges.
15. Any fraud or misrepresentation in obtaining the Offer and/or abuse of the Offer will result in its cancellation or forfeiture. We reserve the right to cancel or forfeit the Offer and to recover any costs and loss.
16. We have the right to suspend, terminate, revise or substitute the granting of the Offer at our discretion without prior notice.
17. No person other than the Eligible Customer and us will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any provisions of these Terms and Conditions.
18. In case of any dispute, our decision will be final and conclusive.
19. The availability and enjoyment of the Offer are subject to prevailing regulatory requirements.
20. These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
21. The English version of these Terms and Conditions shall prevail if there is any inconsistency between the English and the Chinese versions.

Mastercard Cashback Offer Terms and Conditions: https://www.livibank.com/pdf/mastercard-cash-back-tnc-en.pdf

Remarks:
1. From now till 30 Jun, spend with ZA Card at designated merchants to enjoy up to 11% ZA Coin rebate. Every HK$1 eligible transaction will earn you 11 ZA Coin (equal to HK$0.11). Participants must successfully link ZA bank account to ZA Coin, a third-party reward scheme operated by ZA International Financial Services Limited, to join the promotion. Terms and conditions apply.

ZA Card Promotion (“Promotion”) Terms and Conditions:
1. The Promotion is valid from 21 April 2022 to 30 June 2022, both dates inclusive. (“Promotion Period”).
2. By participating in this Promotion, participants are deemed to accept the terms and conditions (“T&Cs”).
3. The Promotion is only applicable to cardholders of ZA Card with active status who have successfully linked his/her ZA bank account to ZA Coin (“Participant”), a third-party reward scheme operated by ZA International Financial Services Limited (“ZAIF”).

To Earn ZA Coins
4. For the Eligible Transaction (as defined under Clause 20) at Designated Merchants (as defined under Clause 5), Participant can earn 11 ZA Coins (equal to HKD 0.11) for every HKD 1 spent.
5. Designated Merchants include the followings and ZA Bank may add or remove the designated merchants from time to time without further notice:
i. 1441 Fourteen Fortyone
ii. ATUM
iii. BEDU
iv. Bentori
v. Brasserie on the Eighth
vi. Burgeroom
vii. Champak
viii. Classified
ix. Conrad Hong Kong Cake Shop
x. Conrad Hong Kong Lobby Lounge
xi. Fireside
xii. Garden Cafe
xiii. Golden Leaf
xiv. Laoguo Taiwanese Hot Pot
xv. Little Bao
xvi. Little BEDU
xvii. Master 13
xviii. Mother Pearl
xix. MyiCellar
xx. Nicholini's
xxi. Orka Café
xxii. Outback (D‧Park)
xxiii. Outdark
xxiv. Pacific Bar
xxv. POSH Coffee Club
xxvi. Rise by Classified
xxvii. Sichuan House
xxviii. Smith & Sinclair
xxix. Smoke & Barrels
xxx. Teapigs
xxxi. Texas Burger
xxxii. Treehouse
xxxiii. Trois Café
6. ZA Coin earned from an Eligible Transaction shall be credited to Participant’s ZA Coin account operated by ZAIF shortly. ZA Bank will only use its best endeavour to provide the necessary information to ZAIF to facilitate this purpose, however ZA Bank makes no warranty that the ZA Coins earned will be accurately credited to ZA Coin account operated by ZAIF and no liability for any failure or delay in the crediting of ZA Coin to Participant’s ZA Coin account for any reason beyond ZA Bank’s control.
7. If the ZA Coin unit earned is not an integer, ZA Bank will adjust the ZA Coin to the nearest integer.
8. If relevant transaction is reversed, refunded, partially reversed or partially refunded (“Transaction Reversal”), ZA Bank will deduct the ZA Coin earned in relation to the reversed or refunded amount (if any). If Participant’s ZA Coin balance is insufficient, ZA Bank will deduct an amount from Participant’s ZA Bank HKD savings account corresponding to the cashback able to be made from the units of ZA Coin Participant earned in relation to the reversed or refunded amount.

To Redeem ZA Coin
9. ZA Coin can be redeemed to cash in ZA Bank App at a rate of 100 ZA Coins = HKD 1. Upon successful redemption, the cash will be credited to Participant’s ZA Bank HKD savings account shortly. The monthly cash redemption amount is capped at HKD 10,000. For details of the Terms and Conditions of ZA Coin apply for redemption, please visit coin.za.group. ZA Bank is not obliged to notify Participant of any changes or latest announcements from ZAIF.

Eligible Transaction
10. Eligible Transaction means retail transaction made with ZA Card but does NOT include the following:
i. Any Insurance-related payment;
ii. Any Payment to Inland Revenue Department/tax-related;
iii. Any Payment related to gambling and betting;
iv. Payment in relation to crypto-currencies;
v. Any Payment to financial institutions, (e.g. dealers / brokers, etc.);
vi. Fund transfer between personal accounts;
vii. Purchases of money/cashier orders or traveler’s cheques and currency exchange services;
viii. Quasi-cash transactions;
ix. Digital wallet top-ups;
x. Octopus top-ups;
xi. Any Payment related to financial charges or fees or penalty; or
xii. Cancelled, reversed or unposted transactions (including partial or full reversal or cancellation).
11. The list of Eligible Transactions may change from time to time without further notice. ZA Bank has no obligation to clarify each Eligible Transaction before any purchase. ZA Bank will not guarantee that the transaction is eligible for earning ZA Coin and will not be liable to Participant whatsoever for the ZA Coin due to any ineligible transaction. Please contact the for any enquiry.

General
12. The Promotion cannot be enjoyed in conjunction with other ZA Card offers in relation to ZA Coin rewards.
13. All rewards cannot be transferred unless otherwise specified herein.
14. ZA Bank reserves the right to adjust, withdraw or cancel the Promotion, and to amend or revise any of the T&Cs in relation to the Promotion from time to time without prior notice and without assigning any reasons whatsoever.
15. In case of any ambiguity, doubts or disputes arising out of or under any of the Terms or any communications, the decision of ZA Bank is final and conclusive in all circumstances without assigning any reasons whatsoever and no correspondence will be entered into.
16. If the Participant has any enquiries towards the Promotion, please contact ZA Bank at 3665 3665.
17. No one other than the Participant and ZA Bank (includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) of the Laws of Hong Kong to enforce or enjoy the benefit of any of the provision of these T&Cs.
18. These T&Cs are governed in all respects by and construed in accordance with the laws of the Hong Kong Special Administrative Region. The parties submit to the jurisdiction of the courts of the Hong Kong Special Administrative Region.
19. In the event of any discrepancy or inconsistencies between the English and Chinese versions of these T&Cs, the English version shall prevail.