Instant Rewards Terms and Conditions:

1. Instant Rewards (the "Offer") is only applicable to BOC Credit Cards that are issued in Hong Kong bearing the 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, BOC Express Cash, Intown Card, Private Label Card and the participants of Cash Rebate plan) (the "eligible Credit Card").
   
2. Eligible credit cardholders are entitled to convert Reward Gift Points (the "Gift Points") to instant cash discount at designated merchants on the basis of every 250 Gift Points equals to HK$1 instant cash discount and the residual transaction amount must be settled by a valid eligible Credit Card, or to convert Gift Points to designated cash coupon / voucher at designated merchants on the basis of every 25,000 Gift Points equals to HK$100 special cash coupon / voucher.
   
3. Redeemed Gift Points will be instantly deducted from cardholder's eligible credit card account(s).
   
4. Gift Points from the Main and the Additional Card(s) under the name of the same main cardholder can be pooled for redemption purposes (excluding BOC Henderson Club Visa Card, BOC CEA Dual Currency Credit Card and BOC Hong Kong Airlines Visa Card). This privilege is only applicable to the Main Cardholder. Where the Gift Points required for redemption are insufficient, such Gift Points as may be available from other related card accounts will be deducted using points close to expiry from the eligible Credit Card. The status of the eligible Credit Card account must be valid and in good standing at the time of redemption.
   
5. All Gift Points cannot be exchanged for cash and/or goods; they are also not transferrable, unless otherwise specified.
   
6. The maximum redeemable amount of Instant Rewards is subject to the transaction amount.
   
7. This offer is only applicable for such product / service as may be specified by a participating merchant. BOC Credit Card (International) Ltd ("The Company") will not be responsible for the product / service provided by the participating merchants.
   
8. Gift Points valid for redemption are those posted on the latest account monthly statement(s). Where the Gift Points available are insufficient to cover a transaction amount, the shortfall will be deducted from other specified eligible Credit Card account.
   
9. Once Gift Points have been redeemed, all such transactions cannot be changed, refunded or cancelled and all redeemed Gift Points cannot be reinstated. All redeemed products cannot be changed or returned for refund.
   
10. Any fraudulent use or abuse of the Program or the redemption process may result in forfeiture of the accrued Gift Point(s) as well as the cancellation of the card account(s). The Company further reserves the right to take such legal actions as may be appropriate in such instances.
    
11. The offer is subject to the terms and conditions of the Company and the participating merchants. Please refer to the respective offer / promotion or get further clarifications either from the Company or the participating merchants.
    
12. The Company and the participating merchants reserve the right to change, suspend or terminate the offer / promotion or to amend the terms and conditions at their sole discretion without prior notice.
    
13. All matters and disputes are subject to the final decision of the Company and merchants / suppliers.
    
14. Should there be any discrepancy or inconsistency between the English and the Chinese versions of these Terms and Conditions, the Chinese version shall prevail.