Terms and Conditions of "Gift Points Earning for BOC Credit Card":

Cardholder with Eligible Credit Card^*, who successfully conducts any one of the eligible transactions set out below with Eligible Credit Card (includes payment through BoC Pay and other mobile payment binding with BOC Credit Card)

1. Retail Purchase^{^}
2. "Cash Before Card Service"
3. Online bill payment (Only applicable to BOC Visa Infinite Card, BOC UnionPay Dual Currency Diamond Card, BOC World MasterCard, BOC Visa Signature Card, BOC Platinum Credit Card, BOC Titanium Credit Card or BOC Commercial Card^{^})
4. "JET Payment" Service^{^}
5. Octopus Automatic Add Value Service^{^}

is entitled to earn 1 Gift Point of Credit Card for every HK$1 spent or for every RMB¥1 spent with BOC Dual Currency Card (charges of annual fee, any handling fee, cash advance, balance transfer and cash installment plan are not entitled to Gift Point). The program does not apply to any transaction / merchant category as BOC Credit Card (International) Ltd ("The Company") may at its sole discretion determine from time to time. The Program does not apply to the BOC Dual Currency Card spending in the mainland for the purpose of property, motor vehicle, fuel, air ticket, hospital and the settlement of school fees, as well as purchases in wholesale and supermarkets. The Company reserves the right to change the above mentioned categories and merchants from time to time at its sole discretion. Eligible transactions, whether posted or not and subsequently partly or fully cancelled, refunded or reversed (including tax refund on purchases) will not be eligible for Gift Points.

^*Eligible Credit Card refers to BOC Credit Cards that are issued in Hong Kong bearing the BOC logo (excluding BOC Credit Cards issued in the mainland and Macau, BOC CEA Dual Currency Credit Card, BOC Hong Kong Airlines Visa Card, BOC Great Wall International Credit Card, USD card, BOC Purchasing Card, Private Label Card and participants of the Automated Cash Rebate Redemption)

^{^}The Gift Point is not applicable to bill payment made to payees such as the "Inland Revenue Department", "Banking and Credit Card Services", "Securities Broker", "Credit Services" and under the bill type of "Policy Loan Repayment". For bill payments made to other merchant categories via Online Bill Payment, "JET Payment", Octopus Automatic Add Value Service transactions, person to person (P2P) fund transfer via mobile device/app/electronic platform as well as retail transactions under Supermarket, Convenience Store, Grocery Stores, Miscellaneous Food Stores and Government Department categories, each main card and additional card of Eligible Credit Card under the name of same main cardholder is entitled to an aggregate maximum of 10,000 Gift Points per statement cycle. Merchant categories are defined by Visa, MasterCard, China UnionPay or the Company at sole discretion and may subject to change from time to time.