Remarks:
1. Cardholder will only be awarded 1 stamp per day.
2. The 6th Eligible Transaction must be completed on or before the last day of each calendar month and Cardholders must press the red button mentioned above to redeem the Offer and deduct HK$25 of the amount payable for that spending on or before the 4th day of the next calendar month. When the red “InstaRedeem” button on the "Spending" page of DBS Card+ disappears after the expiration date, Cardholders will be deemed to have forfeited the Offer automatically. The Bank will not make any special arrangements and any forms of compensation.
3. 10,000 quota is set for the HK$25 “InstaRedeem” amount to be issued per calendar month during the Promotion Period on a first-come, first-served basis.

DBS “I Love Coffee Offer” Terms and Conditions:
1. DBS “I Love Coffee Offer” (the “Promotion”) is applicable to the principal 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”). This Promotion is not applicable to supplementary cardholders.
2. The promotion period is from 1 July 2023 to 31 December 2023, both dates inclusive (“Promotion Period”).
3. To participate in the Promotion, Cardholders must download DBS Card+ mobile application (“DBS Card+”), successfully register DBS Card+ account and enable the “InstaRedeem” push notification of DBS Card+.
4. During the Promotion Period, Cardholders who complete a single transaction of HK$25 or above at any of the coffee shops in Hong Kong (only applicable to physical shops, including but not limited to the purchase of coffee, drinks and deli, in-app and online purchase is excluded) as designated by the Bank (“Designated Coffee Shops”, as detailed in the list at go.dbs.com/hk-coffeeoffer-en) with the Applicable Credit Card ("Eligible Transaction") will receive 1 stamp. The stamp will be displayed on the DBS Card+ “Spending” page. For every 5 stamps collected by the Cardholder, the next Eligible Transaction (“6th Eligible Transaction”) and displayed on the DBS Card+ “Spending” page will enclose a red button of HK$25 “InstaRedeem” amount (“Offer”). Cardholder can click the red button to use the Offer to off-set HK$25 of the amount payable for that spending. To enjoy the above Offer, the 6th Eligible Transaction must be completed on or before the last day of each calendar month and Cardholders must press the red button mentioned above to redeem the Offer and deduct HK$25 of the amount payable for that spending on or before the 4th day of the next calendar month. When the red “InstaRedeem” button on the DBS Card+ “Spending” page disappears after the expiration date, Cardholders will be deemed to have forfeited the Offer automatically. The Bank will not make any special arrangements and any forms of compensation.
5. Eligible Transactions completed via e-Wallets (except Apple Pay, Google Pay or Samsung Pay) are not applicable to this Promotion.
6. Cardholders will only be awarded 1 stamp per day. Stamps collected within each calendar month during the Promotion Period cannot be carried forward to the next calendar month. All stamp record will be reset and recalculate in each calendar month.
7. Each DBS Card+ user can enjoy the Offer up to 3 times in each calendar month during the Promotion Period. The Offer entitled by the 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 the Cardholders and that held by the Bank, the Bank’s record shall be conclusive and binding on the Cardholders.
8. 10,000 quota is set for the Offer to be issued per calendar month during the Promotion Period on a first-come, first-served basis. When the quota of a calendar month is full, the Bank will no longer issue any stamp in that calendar month.
9. If Cardholder’s Eligible Transaction meets the Offer requirements of other “InstaRedeem” promotion at the same time, the Bank has the right to determine which Offer to be awarded in respect of the Eligible Transaction. When the Eligible Transaction has already been awarded under other “InstaRedeem” promotion, such Eligible Transaction cannot be awarded with the Offer again under this Program and vice versa. In case of any disputes, the Bank reserves the right of final decision.
10. 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 Offers 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 Cardholders from participating in the Promotion and/or enjoying the Offer.
11. The Bank may make changes to the list of Designated Coffee Shops (detailed in the list at go.dbs.com/hk-coffeeoffer-en) at any time without notice.
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 supplies. 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 may change these terms and conditions and/or modify or terminate the Promotion. The Bank’s decision is final.
15. The English version shall prevail if there is any inconsistency between the English and Chinese versions.

Remarks:
1. In case of disputes, the decision of The Coffee Academics shall be final.

Terms and Conditions for Red Hot Dining Special – Selected Dining Outlets with Stamp Card Reward:
When can you enjoy the offer
1. The promotional period for the offer is from 1 October 2023 to 31 December 2023 (unless otherwise specified).
What is the offer
2. Offer 1: You can enjoy up to 30% off at designated dining outlets, which are also the participating merchants.
3. Offer 2: You can use your Eligible Credit Card to make Eligible Transactions with single Net Spending Amount of HK$150 or above at the participating merchants to earn one stamp via the HSBC Reward+ stamp card function. Every 3 stamps collected can instantly redeem for extra RewardCash via the HSBC Reward+. You are entitled to earn a maximum of 15 stamps to redeem a maximum of an extra $300 RewardCash during the promotional period. Redemption details as below:
- The stamp: The 3rd stamp; The extra RewardCash to be redeemed: $30
- The stamp: The 6th stamp; The extra RewardCash to be redeemed: $40
- The stamp: The 9th stamp; The extra RewardCash to be redeemed: $50
- The stamp: The 12th stamp; The extra RewardCash to be redeemed: $60
- The stamp: The 15th stamp; The extra RewardCash to be redeemed: $120
You can earn a maximum of one stamp per day. You can redeem the extra RewardCash via the HSBC Reward+ stamp card function on or before 14 January 2024. In the event that the extra RewardCash is not redeemed on or before 14 January 2024, the stamps will become invalid.
How can you enjoy the offer
4. You can enjoy the offer if you:
a. hold an Eligible Credit Card and your credit card account is valid and in good standing during the promotional period and the offer fulfilment period;
b. pay with an Eligible Credit Card for any Eligible Transactions at the participating merchants during the promotional period; and
c. have downloaded HSBC Reward+ and have registered for HSBC Personal Internet Banking, and successfully completed the Registration via HSBC Reward+ during the promotional period to enjoy Offer 2.
5. You cannot exchange the offer for cash, other products, services or discounts or transfer the offer. You cannot use the offer in conjunction with other discounts, promotional offers and discounted items / programmes (unless otherwise specified). Please check with the respective participating merchants for details.
Read before you enjoy the offer
6. The maximum number of diners per table will be subject to the rules and regulation announced by the Government and the participating merchants.
7. You must make a Registration before making any relevant transactions to enjoy Offer 2, any Eligible Transactions made before Registration will not be counted. You only need to register once during the promotional period. Completion of the Registration does not guarantee the eligibility of a card, transaction(s) or a cardholder for purposes of the offer and the calculation of the extra RewardCash.
8. The stamp earned will be reflected on HSBC Reward+ stamp card detail page within 3-5 working days after the Eligible Transaction has been posted.
9. All Eligible Transactions made by Eligible Credit Cards under Eligible Cardholder's name will be combined for the purpose of calculating the maximum RewardCash amount mentioned in clause 3. Eligible Transactions made by combined additional cards will not be counted under the corresponding primary card.
10. The offer does not apply to transactions paid with Eligible Credit Card via e-Wallet and transactions made with e-Wallet balance topped up by Eligible Credit Card.
11. You must be one of the diners and state the redemption of the offer(s) prior to ordering to enjoy the offer(s).
12. Advance reservation may be required for some of the participating merchants. Unless otherwise specified, only one offer / special set menu can be used per table each time. Please check with the respective participating merchants for details.
13. You can use the offer with 2 to 12 diners (unless otherwise specified) for dine-in consumption on food at the participating merchants.
14. You have to keep all original sales slips or official payment records of the Eligible Transactions. Eligible Credit Card numbers must be clearly shown in the original sales slips. In case of dispute, we may at any time ask you to submit these slips, and / or further documents or evidence for inspection and we may keep them.
15. If any transaction where the extra RewardCash was awarded is subsequently reversed, we may deduct the extra RewardCash from the Eligible Credit Card account without notice to you.
16. You cannot use the offer on takeaway food items, beverages, 10% service charge (based on usual retail price), tea and condiments (unless otherwise specified). Please check with the respective participating merchants for details.
17. The promotional food and beverage items are available while stock lasts and subject to availability or change without prior notice.
18. You cannot enjoy the offer on discounted / special priced / non-discount dishes, set menus, special promotional menus, guest chef promotions, wine dinners, private functions, banquets, weddings, meetings / conferences, catering services, room service, ticket sales events, coupons, complimentary valet parking, any mileage programmes, membership benefits, cigarettes / cigars, mooncakes, alcoholic beverages, champagnes, wines and liquors, sales merchandise, VIP rooms and private rooms (unless otherwise specified). Please check with the respective participating merchants for details.
19. You cannot enjoy the offer on festive days, general holidays (including Sunday) and days before the general holidays (unless otherwise specified). Please check with the respective participating merchants for details.
20. All photos displayed are for reference only.
21. Those product information / descriptions / prices / services / offers / food / beverage / menu descriptions featured in the promotion materials are provided by the respective participating merchants and are for reference only; we shall have no liability in this respect.
22. We are not the supplier of such products / services / offers / food / beverage purchased and please check with the respective participating merchants for details. We accept no liability for the quality of products / services / offers / food / beverage provided by the respective participating merchants.
23. These terms and conditions and other terms and conditions of your Eligible Credit Card, the RewardCash Programme, HSBC Reward+ and the participating merchants will apply.
24. We reserve the right to vary or cancel the offer, or amend the terms and conditions from time to time without prior notice. Please check our website for the latest details, availability and terms and conditions of the offer.
25. If we believe that you have acted in a fraudulent or abusive way, you will not be able to enjoy the offers and we can debit your credit card to take back any offers you have enjoyed, or cancel your credit card.
26. In case of disputes arising out of this promotion, our decision shall be final and conclusive.
27. We write the terms and conditions of the offer under Hong Kong laws. In the event of any discrepancy or inconsistency between the English version and the Chinese version of the promotional materials and these terms and conditions, the English version shall prevail.
What these terms mean
28. 'Eligible Credit Card'
a. Offer 1: means any Hong Kong Dollar personal primary, combined additional, separate additional credit cards or UnionPay Dual Currency credit cards (applicable to Hong Kong Dollar sub-account only) issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns). Selected offers are only available to designated Eligible Credit Cards, please refer to the specific eligibility criteria of each offer for further details.
b. Offer 2: means any Hong Kong Dollar personal primary (excluding HSBC iCAN Card), combined additional credit cards or UnionPay Dual Currency personal primary credit cards (applicable to Hong Kong Dollar sub-account only) issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns). If you are holding an additional credit card only and do not hold any primary credit card, such additional card is not eligible for this offer.
29. 'Eligible Transactions' are purchases made in Hong Kong dollars with an Eligible Credit Card with a minimum Net Spending Amount of HK$150 each at the participating merchants during the promotional period. Payments for instalment plans and unposted / cancelled / refunded transactions will not qualify as Eligible Transactions. For participating merchants and offer details, please visit our website at www.hsbc.com.hk/creditcard or via the mobile application HSBC HK Reward+ or contact the respective participating merchants.
30. 'Net Spending Amount' means the final transaction amount charged to the Eligible Credit Card after all applicable discounts, reductions and use of vouchers / gift cards.
31. 'Reward+' refers to the HSBC HK Reward+ mobile application.
32. 'Registration' means the successful registration of an Eligible Credit Card via the mobile application HSBC HK Reward+.

"Chill merchant 10% Cash Rebate" Terms and Conditions:
1. Within the Promotion Period, Eligible Customers who make retail purchases at selected local and online merchants (“Chill Merchants”) with an Eligible Credit Card ("Eligible Merchant Transactions") can enjoy a 10% cash rebate. The 10% cash rebate includes the 0.4% cash rebate from the “Unlimited 0.4% Cash Rebate” and an extra 9.6% cash rebate. For the list of Chill
Merchants, please refer to www.bochk.com/s/a/chill_en.
1.1 Eligible Transactions and eligible merchant codes shall be determined at the sole and absolute discretion of The Company. The Company has no obligation to clarify which transactions are eligible for the Promotion before the transactions are made.
1.2 Chill Merchants are defined according to the merchant names, spending categories, merchant codes and transaction types as defined by Mastercard Asia/Pacific (Hong Kong) Limited or the merchant’s acquiring bank. Only transactions supported by official payment records and made at Chill Merchants are considered as Eligible Merchant Transactions for the reward. Transactions made at designated merchants via e-wallets are not eligible for the reward. The Company reserves the right to add, amend or remove any Chill Merchants at any time.
1.3 All products, services and information related to this promotion are directly sold and supplied to customers by the merchants who are solely responsible for all related obligations and liabilities.
2. “Overseas, Online Spending and Mobile payment 5% Cash Rebate” and “Chill Merchant 10% Cash Rebate” cannot be used in conjunction. Cash rebate will be calculated based on the higher rebate ratio when an Eligible Customer fulfils the spending requirement for “Overseas, Online Spending and Mobile payment 5% Cash Rebate” and “Chill Merchant 10% Cash Rebate” at the same time.
3. For cash rebate details of “Unlimited 0.4% Cash Rebate”, “Overseas, Online Spending and Mobile payment 5% Cash Rebate” and “Chill Merchant 10% Cash Rebate” of each credit card account, please refer to the below table:
“Overseas, Online Spending and Mobile payment 5% Cash Rebate”:
- Rebate from “Unlimited 0.4% Cash Rebate”: 0.4% (Maximum rebate (HK$): Unlimited)
- Extra cash rebate of related eligible transactions: 4.6% (Maximum rebate (HK$): HK$150)
- Total rebate: 5%
“Chill Merchant 10% Cash Rebate”:
- Rebate from “Unlimited 0.4% Cash Rebate”: 0.4% (Maximum rebate (HK$): Unlimited)
- Extra cash rebate of related eligible transactions: 9.6% (Maximum rebate (HK$): HK$150)
- Total rebate: 10%
4. If a cardholder commits any dishonest or fraudulent act, the Company shall cancel the eligibility of the respective cardholder for the offer and reverse any awarded cash rebate from the related card account without prior notice. The Company also reserves the right to cancel the respective credit card account and/or take such legal actions as may be necessary.
5. The Company reserves the right to change, suspend or terminate the offer or amend the terms and conditions at its sole discretion.
6. Cardholders must retain all original transaction sales slips for reference. In case of any dispute, the Company reserves the right to request a cardholder to provide the original transaction sales slip(s) and/or such further documentation or evidence for verification at any time during or after the promotion. All sales slips and/or such further documentation submitted to the Company will not be returned.
7. No person other than the cardholder and The company will have any rights under the contracts (Rights of Third Parties) ordinance to enforce or enjoy the benefits of any of the provisions of these terms and conditions.
8. Should there be any discrepancy or inconsistency between the English and the Chinese versions of these terms and conditions, the Chinese version shall prevail and apply.

General Terms and Conditions:
1. The promotion period is from 1 April until 31 December 2023 (based on transaction date) (“Promotion Period”).
2. The promotion is only applicable to the “BOC Chill Card” (“Eligible Credit Card”) issued by BOC Credit Card (International) Co., Ltd. ("The Company") in Hong Kong. To be eligible for the offers, the BOC Chill Card Cardholder (“Eligible Customer”) must settle full payment with his/her BOC Chill Card.
3. Cash rebate reward accrual is counted on a calendar month basis, starting from the first day of the month until the last day of the month. Cash rebate awarded will be rounded to the nearest dollar where appropriate. All transactions will be counted based on the transaction date and only Eligible Transactions posted to Eligible Credit Card account within 7 days from the transaction date will be counted.
4. The cash rebate will be credited to the Eligible Credit Card account automatically within 3 months after each settlement. Only cardholders whose credit card accounts are valid and in good standing throughout the Promotion Period and at the time when the cash rebates are being awarded will be eligible for the cash rebate. In the event of termination of a credit card account, violation of the Credit Card User Agreement/Credit Card Agreement or the card account being in default, the cash rebate entitlement will be forfeited automatically forthwith.
5. Eligible Transactions of an additional card will be combined with those from the main card to calculate towards the total cash rebate under the same credit card account.
6. The cash rebate is based on the net spending amount, which means the final amount charged to the Credit Card, and the use of any discount offers and cash vouchers will not be taken into account.
7. Cash rebate is not applicable to transactions made with Alipay HK and WeChat Pay, amount redeemed under “Instant Reward” transactions, Cash Advances, Cash Before Card amounts, balance transfer amounts, autopay transactions, Octopus Add Value/Automatic Add Value transactions, instalment transactions (including but not limited to cash instalments, statement instalments, online bill payment instalments and monthly payments of merchant interest-free instalments), annual fees, finance charges, arrangement fees, payments for public utilities/bill payments (including but not limited to payments for tax, telecommunication, membership fees, educational institution fees/tuition fees or utilities bills), transactions via online banking bill payment, online payment system payments to designated merchants (including but not limited to PayPal or Alipay), purchases and/or reloads of stored value cards/gift cards or e-wallets, product/service transactions at financial/nonfinancial institutions (including but not limited to deposits, purchases of foreign currency, money transfers, speculation transactions, insurance transactions, mutual fund payments and stock monthly contribution), casino and gambling transactions, transactions for charity donations and to non-profit organisations, person to person (P2P) fund transfers via mobile device/app/electronic platforms, any other transactions without sales slips, any unauthorised transactions and any other categories as may be defined by The Company at its sole discretion from time to time.
8. The Company may from time to time at its sole discretion define the meaning of “Eligible Transactions”, designated spending categories and merchant list, with reference to Mastercard Asia/Pacific (Hong Kong) Limited for properly defining the abovementioned designated categories.
9. All fraudulent, unauthorised, unposted, cancelled or refunded transactions will be excluded from the cash rebate.
10. If an Eligible Transaction is cancelled subsequent to the offer of the cash rebate, cardholders will have to return to The Company the cash rebate being awarded. The Company reserves the right to debit the HKD card account with the cash rebate awarded without prior notice.
11. The Company will verify the transaction record to confirm the cash rebate entitlement of each cardholder. In the event of discrepancy between The Company’s record and details recorded on the credit card sales slip, The Company record shall prevail.
12. The cash rebate is meant exclusively for retail purchases and cannot be used for cash advances, settlement of financial charges or any previous outstanding balance accrued before the cash rebate is credited. The cash rebate cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.