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.

Terms and Conditions for Dining Offers:
1. Unless otherwise specified, the promotion period is valid till December 31, 2024.
2. The products/services are provided by the relevant merchant(s), China Construction Bank (Asia) Corporation Limited shall have no liability in any respect.
3. Cardmembers have to indicate their intention to enjoy the offers at the time of reservation and before ordering.
4. 10% service charge and charges for tea & condiments (if applicable) shall be counted based on original price.
5. Offers cannot be used in conjunction with other special promotion, discounts or promotional coupons, and cannot be transferred or exchanged for cash or other offers.
6. Unless otherwise specified, the offers are not applicable to public holidays/festive days and eve as specified by the merchant, banqueting, wedding banquets, VIP rooms, discounted set meals, special promotional item, cigarettes/cigars, beverages, bottled liquor/wine, tickets/coupons/vouchers, valet parking privileges, delivery service, take-away, or dates designated by the merchants, and are applicable to dine-in and Hong Kong outlets only.
7. The relevant offers shall be terminated immediately if the relevant merchant(s) or its outlets are not open for business.
8. All pictures and information of the offers are for reference only, please contact the relevant merchants for details.

Terms and Conditions for Merchant Promotion Program (“Program”):
1. Unless otherwise specified, the promotion period is valid till December 31, 2024.
2. Unless otherwise specified, this Program is only available for the credit card(s) (“Card”) issued by China Construction Bank (Asia) Corporation Limited (“Bank”) (except Business Card) and is available to cardmembers of the Cards (“Cardmember(s)”) during the promotion period stated in our promotional material. For CCB (Asia) UnionPay Dual Currency Credit Cardmembers the offer is only available at merchants accepting UnionPay Dual Currency credit card for payment.
3. To enjoy the offers set out in this promotional material (“Offers”), you need to settle the retail transactions with the Card. The Offers cannot be used in conjunction with any promotional offer(s) and cannot be exchanged for cash.
4. The Offers are subject to availability. All pictures and information of the Offers are for reference only, please contact the relevant merchants for details.
5. The Bank will not provide notice of non-availability or substitution.
6. The products/services are provided by the relevant merchant(s), the Bank shall have no liability in any respect. The validity and use of any product or service of the Offers under the Program shall be subject to the relevant usage instructions and terms and conditions set by the supplier.
7. The Bank shall not act as, or assume any liability of, a product/service supplier (or its agent). Any claim, complaint, or dispute concerning any product or service must be referred to and resolved between the relevant supplier and the Cardmember, which shall in no way relieve such Cardmember from his/her, payment or other obligations to us.
8. The Bank, merchants and suppliers reserves the right to vary the Program and/or these Terms and Conditions, or to cancel the Program, at our discretion at any time.
9. The Bank and the related merchant retain the final decision in any differences or disputes under the Program.
10. In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.