No matter which payment method you use, the Gift Points earned through BoC Pay+ after upgrade will be credited to your Wallet and can be combined with Gift Points earned through eligible credit cards for use in BoC Pay+ and mobile banking. For eligible credit cards, please refer to the Terms and Conditions of Gift Point Rewards Programme.

• If the Smart Account you hold is not bound to a WeChat Pay Hong Kong account or holds a Payment Account: The balance and Gift Points in your Smart Account/Payment Account will be automatically transferred to the Wallet.

• If your Smart Account is also bound to WeChat Pay Hong Kong account, Gift Points from your Smart Account will be automatically transferred to your Wallet, while the balance will remain in the Smart Account. You can use or check your Smart Account through mobile banking.

• If you hold a BOC Dual Currency Card: You can choose any of your BOC credit cards bearing the BOCHK logo and issued in Hong Kong as the default payment method for your Wallet. Gift Points earned before upgrading will remain in the credit card account.