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 2024.

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 2024 Year-round Discount Offers:
1. The offers are valid until 31 December 2024.
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 +FUN Dollars (“+FUN 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. +FUN Dollars year-round offers are subject to the related terms and conditions. Use of +FUN 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.

2024 Year Round Offer General Terms & Conditions:
1. Unless otherwise specified, all offers are applicable to:
i. BOC Credit Card, BOC Dual Currency Credit Card (including Co-branded Card, but not applicable to Private Label Card, Purchasing Card, USD credit card and Intown Card) bearing the BOCHK logo; BOC Debit Card bearing the BOCHK logo; and BOC ATM Card bearing the BOCHK logo and UnionPay logo issued by Bank of China (Hong Kong) Limited (“BOCHK”) (the “Eligible Credit Card and/or BOC ATM Card”), and/or
ii. Mobile payment, which refers to contactless payment made with Eligible Credit Card, Debit Card and/or BOC ATM Card that provisioned on a designated mobile phone or device (includes Apple Pay, Google Pay, Samsung Pay and Huawei Pay) (“Mobile Payment”). Apple Pay only applies to Eligible Credit Card (not applicable to BOC Commercial Card); Google Pay and Samsung Pay apply only to Eligible Credit Card (not applicable to BOC Commercial Card and BOC Dual Currency Credit Card) and Huawei Pay applies only to eligible BOC Dual Currency Credit Card, and/or
iii. BoC Pay, which refers to QR Code payments made with the BoC Pay mobile app. Customers must successfully bind the BoC Pay mobile app with eligible BOC Dual Currency Credit Card and/or Smart Account and/or register the Payment Account (“BoC Pay”).
2. To enjoy the offers, customers must settle payments, and/or settle payments via mobile payment, with the “Eligible Credit Card, Debit Card and/or BOC ATM Card”, and/or settle payments via BoC Pay.
3. Unless otherwise specified, all offers are valid until 31 December 2024 (both dates inclusive, based on transaction date).
4. Unless otherwise specified, offers are available on site only.
5. Unless otherwise specified, BOC ATM Card only applies to specific Merchants. For details, please check with Merchants.
6. Customers can enjoy hotel accommodation privilege or beauty/health/hair care/car service offers by appointment only. Offers are subject to prevailing circumstances and availability of the relevant facility/service.
7. Unless otherwise specified, offers cannot be used in conjunction with any other discounts, discounted/fixed-price items, ticket sales events, cash coupons, gift vouchers, VIP Card or membership reward schemes, and are not applicable to sales or any other promotional offers. Please check with the respective merchants for details.
8. Offers cannot be exchanged for cash or other products and are not transferable.
9. Apart from the terms and conditions as listed in this promotion material, offers are subject to specific terms and conditions of the respective merchants. For details, please refer to the individual offer and promotion or check with respective merchants.
10. Free Gifts, samples and trial services are in limited supply and available while stocks last. Each customer can only enjoy the same offer once. Please contact the respective merchants for details.
11. Any change to the offer terms will be subject to the prevailing circumstances at the time of patronage.
12. All offers are subject to change without prior notice. BOC Credit Card (International) Ltd (the “Company”) and/or BOCHK accept no responsibility for any such change and will not notify customers separately of any such change.
13. Upon closure of a participating merchant, the relevant offer(s) shall cease immediately.
14. BOCCC is not the service provider of any participating merchants, any enquires or disputes should be directed to the relevant service providers. BOCCC and/or BOCHK accept no liability for and shall not be responsible for the quality of or any other matters relating to the food, products and services provided by the participating merchants. The participating merchants are solely responsible for all obligations and liabilities relating to the food, products and services.
15. BOCHK and/or BOCCC and/or the participating merchants each reserves its right to suspend, change, or terminate the offers or amend the offer terms and conditions at its sole discretion without prior notice.
16. No person other than the cardholders, the participating merchants and BOCCC and BOCHK will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
17. These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
18. In case of dispute, BOCCC, the participating merchants and/or BOCHK reserve the right for the final decision on all matters.
19. The above products, services and offers are subject to relevant terms and conditions, please refer to relevant promotion items or enquire with BOCCC and/or BOCHK.
20. Should there be any discrepancy or inconsistency between the English and the Chinese versions of these terms and conditions, the Chinese version shall prevail.

General Terms & Conditions of Mobile Payment and BoC Pay:
1. To enjoy the relevant offer, cardholder needs to present the relevant mobile application with the added “Eligible Credit Card, Debit Card and/or BOC ATM Card (if applicable)” and/or Smart Account and/or Payment Account to the cashier before payment and settle the payment successfully.
2. Offers are available at all branches of participating merchants in Hong Kong, but not applicable to online transactions (Unless otherwise specified).
3. Any unposted/ cancelled/ refunded/ falsified transactions are also excluded. Cash Voucher/ Cash Discount will be cancelled or returned along with relevant transactions.
4. Unless otherwise specified, the Cash Voucher will be given upon the completion of the transaction immediately and cannot be accumulated or deferred for future use. Each cardholder is entitled to enjoy the Mobile Payment and BoC Pay Merchant Offers once each day.
5. All the matters and disputes will be subject to the final decision of BOCCC and the participating merchants. In case of any disputes, the participating merchants may request cardholder to present Applicable Credit Card / Debit Card / BOC Card (if applicable) in physical form for verification.
6. For more details about BoC Pay, please refer to www.bochk.com/en/more/ebanking/bocpay.html.
7. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries/regions. For compatible devices and more details about Apple Pay, please refer to www.apple.com/hk/apple-pay. Google Pay works with NFC capable Android™ devices running Android Lollipop 5.0 or higher. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Samsung Pay only supports NFC payment. For compatible devices and more details about Samsung Pay, please refer to www.samsung.com/hk/samsungpay/#samsung-pay. Huawei Pay is a trademark of Huawei Technologies Co., Ltd and is submitted for trademark registration in China and other countries/regions. For compatible devices and more details about Huawei Pay, please visit the Huawei Pay Hong Kong website. Customers are responsible for the data charges of using and/or downloading BOCHK Mobile Application imposed by their service providers.
8. Customers are responsible for the data charges of using and/or downloading BOCHK Mobile Application imposed by their service providers.
9. Please download BOCHK Mobile Application from official application stores or BOCHK website, and ensure the search wording is correct.
10. By using BOCHK Mobile Application, the viewer agrees to be bound by the content of this disclaimer as it may be amended by BOCHK from time to time and posted to on BOCHK Mobile Application.
11. Mobile Payment Applications are the third parties’ Mobile Applications. Mobile Applications are subject to such service providers’ terms and conditions. BOCHK is not the service provider of the Mobile Applications. If customers have any enquiries or complaints to them, please directly contact the service providers. BOCHK gives no guarantee to the Mobile Applications of the service providers, or does not accept any liability arising in conjunction with the use of the Mobile Applications or the services provided by the service providers.
12. BOCHK has not reviewed or verified the information in the Third Party Mobile Applications or any materials, products or services or privacy practices posted or offered therein or thereat and shall not be in any circumstances liable for any loss (whether in negligence or otherwise) whatsoever or howsoever that you may sustain arising from the use of any information, materials, products or services or privacy practices posted or offered at the Third Party Mobile Applications. BOCHK does not or does not mean to endorse or recommend any information, materials, products or services posted or offered at the Third Party Mobile Applications. Nor shall BOCHK be liable for any inaccuracy or failure of any information, materials, products or services posted or offered at the Third Party Mobile Applications. Please read the terms and conditions and the relevant disclaimer(s) and privacy policy that may be contained in the Third Party Mobile Applications.

General Terms & Conditions on Dining Offers:
1. Unless otherwise specified, offers are applicable to dine-in only. All prices are subject to a 10% service charge (based on original price) plus charges for tea and condiments. Advance booking may be required for specific merchants.
2. Unless otherwise specified, offers are not applicable on chef promotions, special menus, catering services, room services, wine dinners, banquets, wedding, conference, private party and VIP room, special promotion events and other food and beverage in the restaurants (i.e. tobacco, cigarettes etc).
3. Offers may not be available during public holidays and festive seasons (Eve and Festive Day) such as Chinese New Year, Valentine's Day, Easter Holidays, Mother's Day, Father's Day, Mid-Autumn, National Day, Winter Solstice, Christmas Eve, Christmas Day, New Year's Eve and New Year's Day or or firework display nights or other blackout dates as may be designated from time to time by the participating merchants. Please contact the respective merchants for details.
4. The above products, services and offers are bound by the relevant terms and conditions, please refer to the related marketing materials or check with the Merchant or BOCHK and/or BOCCC for details.
5. No person other than the customer, BOCHK and/or the Card Company and the Merchant 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.
6. BOCHK and/or the Card Company is not the supplier of the Merchant. Relevant products are provided by the Merchant. Any enquiries or disputes relating to the goods and services should be directed to the Merchant. BOCHK and/or the Card Company accept no liability for the quality of or any other matters relating to the goods, products and services provided by the Merchant. The Merchant and/or the providers of the services are solely responsible for all obligations and liabilities.
7. BOCHK, BOCCC and the Merchant reserve the right to change, suspend or cancel this Promotion or revise its terms and conditions at their discretion.
8. In case of any disputes, BOCHK, BOCCC and the Merchant reserve the right of final decision on all matters and disputes.
9. Should there be any discrepancy or inconsistency between the English and the Chinese versions of these terms and conditions, the Chinese version shall prevail.

全年優惠一般條款及細則
1. 推廣期由2024年1月1日至2024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。
如此條款及細則的中、英文版有所差異，一概以英文版為準。

General Terms & Conditions:
1. Unless otherwise specified, the promotion period is from January 1 to December 31, 2024 (both dates inclusive).
2. Unless otherwise specified, the promotion applies to cardholders of Citi Credit Cards, Debit Cards and Commercial Cards issued by Citibank (Hong Kong) Limited and other Citi entities ("Citibank") ("Eligible Cards") ("Cardholders"). The merchant may reject an Eligible Card if their payment system cannot handle some of the Eligible Card type, please contact the respective merchant for details.
3. Unless otherwise specified, Cardholders are required to state their intention to enjoy the offer(s) to the respective merchant prior to payment and settle the whole payment by respective Eligible Cards in order to enjoy the offer(s) from the respective merchant.
4. Unless otherwise specified, Cardholders are required to input designated promo code prior to payment (if applicable) and settle the whole payment by respective Eligible Cards in order to enjoy the offer(s) from the respective merchant.
5. Unless otherwise specified, the offers cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.
6. Availability of the offers is subject to offer or service availability, account status checking and final acceptance by Citibank and the respective merchants' absolute discretion. Photos, product specifications and prices are for reference only.
7. Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
8. Citibank and the respective merchants reserve the right to amend the Terms and Conditions without prior notice.
9. All matters and disputes are subject to the final decision of Citibank and the respective merchants.
10. In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
11. Other Terms and Conditions apply, please inquire the details with the respective merchants.

Year Round Merchant Offers Terms and Conditions
1. This merchant offers program is only applicable to customers (each a “Cardholder”) holding credit card(s) issued by Bank of Communications (Hong Kong) Limited (the “Bank”) and other credit cards as designated by the Bank from time to time (“Eligible Credit Card”), both principal and supplementary cards inclusive, but it is not applicable to the Bank of Communications Pacific Internet card and gift card.
2. In order to enjoy The Offers, Cardholder must indicate to settle payment by Eligible Credit Card prior to purchase / placement of order / reservation / settlement of payment and thereafter settle payment by Eligible Credit Card.
3. Advance booking is required for specific offers, including but not limited to beauty treatment, health check, dining and accommodation offers.
4. Offers cannot be used in conjunction with other promotional offers, coupons, discount, special-priced items, fixed price items, member-priced items, whole sale priced items, VIP offers, birthday offers or any other forms of offers unless otherwise specified.
5. Offers cannot be exchanged for cash, other products or discounts and are not transferable unless otherwise specified.
6. All offers, products, awards and gifts are available while stocks last. Only one free gift is allowed for each invoice.
7. Discounted items cannot be exchanged or refunded unless otherwise specified.
8. Dining offers are for dine-in only and not applicable to service charges unless otherwise specified.
9. Cardholders understand and accept that all photos, details, availability and descriptions of all products and services are provided by the corresponding merchants and are for reference only. The Bank has no responsibility whatsoever. All liabilities in relation to such products and/or services (including but not limited to the quality and supply) are solely borne by the merchants.
10. The Offers are bound by the terms and conditions of the relevant merchants. Please contact the relevant merchants for details.
11. The Bank and the relevant merchants reserve the right to amend any terms and conditions, change or terminate The Offers without prior notice. The Bank accepts no liability for any changes or termination of The Offers.
12. In case of any dispute, the decision of the Bank and the merchants shall be final.
13. No person other than the Cardholders and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to enjoy the benefit of any terms under these terms and conditions.
14. In case of any discrepancy between the Chinese and English versions of these terms and conditions, the Chinese version shall prevail.