Terms and Conditions of Gift Point Rewards Programme:
  1. Gift Point Rewards Programme (the “Programme”) includes, but is not limited to, “Cash Rebate” Gift Points Redemption Programme, Instant Rewards, Mileage Awards, “Offset Spending with Gift Points” Redemption Programme, and “Merchant Gift eVoucher” Gift Points Redemption Programme (the “Gift”). Unless otherwise specified, the Programme is applicable to BOC Credit Cards that are issued in Hong Kong bearing thelogo (the “Eligible Credit Card”), Smart Account and Payment Account (the “Eligible Banking Account”), but excludes BOC Credit Cards issued in the mainland and Macau, BOC Chill Cards, BOC CEA Dual Currency Credit Cards, BOC Hong Kong Airlines Visa Cards, BOC Great Wall International Credit Cards, USD cards, BOC Purchasing Cards, Private Label Cards and participants of the Automated Cash Rebate Redemption.

  2. Unless otherwise specified, the Gift Points earned through the Eligible Credit Card and/or Eligible Banking Account (the “Gift Points of Eligible Account”) under the name of the same Main Cardholder or banking account can be pooled together for Gift redemption.

  3. Unless otherwise specified, Gift Points will be deducted from the selected Eligible Credit Card or Eligible Banking Account for redemption purposes. Where the Gift Points required for redemption are insufficient, the system shall deduct the remaining requested Gift Points from other Eligible Credit Card or Eligible Banking Accounts of the customer automatically, calculated based on the most recent expiry date of the Gift Points. The status of the relevant account must be normal, valid and in good standing at the time of redemption. Bank of China (Hong Kong) Limited (the “BOCHK”) and/or BOC Credit Card (International) Ltd (the "Company") reserve the right to cease Gift redemption for a relevant account which is blocked or terminated (whether or not resulting from a discretion exercised by BOCHK or the Company).

  4. Unless otherwise specified, the available Gift Points balance of an Eligible Credit Card is subject to the record shown on the latest monthly statement. The Gift Points balance of an Eligible Banking Account can be checked through the BoC Pay Mobile App.

  5. Gift Points cannot be exchanged for cash and are not transferrable.

  6. Accepted redemptions cannot be cancelled or changed. Redeemed Gifts cannot be transferred, returned, changed to other gifts/gift vouchers, converted into cash or refunded. Usage of Gifts is bound by the relevant terms of the Suppliers. The Company and/or BOCHK are not the suppliers of the Gifts. Customers need to contact relevant suppliers directly if there is any enquiry or complaint regarding the Gifts. The Company and/or BOCHK will not be responsible for consequences related to the usage of Gifts and their related services. Redeemed Gift Points cannot be returned.

  7. Gift Point(s) of a cancelled/expired Eligible Credit Card and/or a cancelled Eligible Banking Account will be cleared automatically and will not be accepted for any Gift redemption.

  8. Unless otherwise specified, the Eligible Credit Card under the same customer name may be entitled to the enhanced discount rates in different redemption programmes based on the years of cardholding for Gift redemption (the “Year of Cardholding Offer”), provided that the Credit Card is still valid and in good standing. Year of Cardholding Offer is calculated based on the longest held BOC Credit Card. The Year of Cardholding Offer for Commercial Cards will be calculated based on the card issued date of each individual Cardholder’s account and not by the company account open date. A customer who holds both an Eligible Credit Card and Eligible Banking Account is entitled to the Year of Cardholding Offer based on the longest held BOC Credit Card. A customer who does not hold any Eligible Credit Card will not be entitled to the Year of Cardholding Offer.

  9. The Year of Cardholding Offer is applicable to the “Cash Rebate” Gift Points Redemption Programme, “Merchant Gift eVoucher” Gift Point Redemption Programme, “Offset Spending with Gift Points” Redemption Programme and other programmes specified by the Company from time to time. The Year of Cardholding Offer is not applicable to BOC Henderson Club Visa Card. Details are as below:
    Year(s) of Cardholding Required Gift Points for redeeming HK$100 Merchant Gift eVoucher/ Cash Rebate Required Gift Points for redeeming HK$50 Merchant Gift eVoucher Required Gift Points for offsetting HK$1
    Held for 10 years or below 25,000 Gift Points 12,500 Gift Points 250 Gift Points
    Held for 11 years or above 20,000 Gift Points (20% off) 10,000 Gift Points (20% off) 200 Gift Points (20% off)
    Remark: Cardholders who have held their cards for 10 years but below the 11-year threshold can redeem a particular merchant gift eVoucher/cash rebate or offset spending at the basic redemption rate of Gift Points. Cardholders who have held their cards for 11 years or above can redeem particular merchant gift eVoucher/cash rebate or offset spending with 20% off the redemption rate of Gift Points.

  10. Subject to the requirements stated thereinafter, an Eligible Credit Cardholder who successfully conducts any one of the Eligible Transactions set out below with an Eligible Credit Card (includes payment through BoC Pay and other mobile payment bound with a BOC Credit Card) will be entitled to participate in the Programme:
    1. Retail Purchase #
    2. “Cash Before Card Service”
    3. Online bill payment (only applicable to BOC Visa Infinite Cards, BOC UnionPay Dual Currency Diamond Cards, BOC World MasterCards, BOC Visa Signature Card, BOC Platinum Credit Cards, BOC Titanium Credit Card or BOC Commercial Cards#)
    4. “JET Payment” Service #
    5. Octopus Automatic Add Value Service #
    A Cardholder is entitled to earn 1 Gift Point of Credit Card for every HK$1 spent or for every RMB¥1 spent with a BOC Dual Currency Credit Card (annual fees, handling fees, cash advances, balance transfers and cash instalment plans are not entitled to Gift Points). The Programme does not apply to any transaction / merchant category as the Company may at its sole discretion determine from time to time. The Programme does not apply to the BOC Dual Currency Card spending in the mainland for purchase 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, which are subsequently partly or fully cancelled, refunded or reversed (including tax refund on purchases) will not be eligible for Gift Points.

    #Gift Points are not applicable to bill payments 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 AlipayHK, WeChat Pay, PayMe, Online Bill Payment, "JET Payment", Octopus Automatic Add Value Service transactions, person to person (P2P) fund transfers 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 an 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 their sole discretion and may be subject to change from time to time.

  11. An Eligible Credit Cardholder of a BOC Dual Currency Credit Card can enjoy the offer using the account denominated in Hong Kong dollars.

  12. Unless otherwise specified, the maximum retention period for Gift Points is as follows: 3 years for BOC Visa Infinite Card and BOC UnionPay Dual Currency Diamond Card, 2 years for BOC World Mastercard, BOC Visa Signature Card and BOC Platinum Card, and 1 year for other card types. Gift Points earned by each Commercial Card cannot be pooled for Gift redemption. All Gift Points earned by the Main and Additional Cardholders can be pooled together for Gift redemption and can be redeemed by Cardholders. Gift Points from various Eligible Credit Card under the same Main Card Cardholder can be pooled together for redemption (excludes BOC Chill Card, BOC Henderson Club Visa Card, BOC CEA Dual Currency Credit Card and BOC Hong Kong Airlines Visa Card). The Programme is only applicable to the Main Cardholder. The Company reserves the right to reject any redemption request and/or to cancel all awarded Gift Points if a Cardholder breaches the provision of the Credit Card User Agreement/Credit Card Agreement (the "User Agreement"), cancels the card or defaults in card payments.

  13. Unless otherwise specified, the earned Gift Point(s) will be reflected within 3 days after the transaction is posted. Gift Point(s) earned with an Eligible Credit Card within the last statement cycle before Gift Points expiry will only be reflected in the next Gift Points validity period. For example, if the expiry date of Credit Card Gift Points is 31 December 2020, Gift Point(s) posted during 1 - 31 December 2020 will expire on 31 December 2021 (assuming the validity period for Gift Points of such Credit Card is 1 year).

  14. Subject to the requirements stated thereinafter, the customer of an Eligible Banking Account who successfully conducts any one of the eligible transactions set out below through BoC Pay QR Payment bound with an Eligible Banking Account will be entitled to participate in the Programme:
    1. Purchases at merchant(s)
    2. Bill payments
    The customer of an Eligible Banking Account is entitled to earn 1 Gift Point of Banking Account for every HK$1 spent with BoC Pay. Eligible transactions, whether posted or not, which are subsequently partly or fully cancelled, refunded or reversed will not be eligible for Gift Points.

  15. Unless otherwise specified, the maximum retention period for each Reward Gift Point for the Eligible Banking Account is up to 1 year. Each customer of an Eligible Banking Account is entitled to an aggregate maximum of 1,000 Gift Points per month from purchases at merchant(s) and/or bill payments via the “Faster Payment System”. Each customer of an Eligible Banking Account is entitled to Gift Points from purchases at merchant(s) via the UnionPay network with no upper limits each month. BOCHK reserves the right to change the above-mentioned categories and merchants from time to time at its sole discretion.

  16. If a customer who holds an Eligible Banking Account is upgraded from Payment Account to Smart Account, the original points will be retained and transferred to the newly opened Smart Account accordingly.

  17. Enquiries on Gift Points that are earned from an Eligible Banking Account can be made via, but not limited to, BoC Pay or BOCHK Mobile Banking. The Gift Points earned on each exchange may not be reflected instantly. Actual transaction record of Gift Points and the latest points balance are subject to BOCHK record.

  18. BOCHK and the Company reserves the right to change or amend the point exchange rate and/or the minimum points required each time.

  19. Any fraudulent use or abuse of the Programme or the redemption process may result in forfeiture of the accrued Gift Point(s) as well as the cancellation of the relevant Gift Points Accounts. The Company further reserves the right to take such legal actions as may be appropriate in such instances.

  20. Customers are responsible for the data charges of using and/or downloading the BOCHK Mobile Application imposed by their service providers. Please download the mobile app from the official software application store or BOCHK homepage, and pay attention to the identifying words of the search. By using the BOCHK Mobile App, the customers agree to the disclaimer and policy of BOCHK on the BOCHK Mobile App from time to time.

  21. BOCHK and the Company accept no liability for the quality of or any matter relating to the Gift or services provided by the participating suppliers/merchants. The relevant participating suppliers/merchants are solely responsible for the obligations and liabilities relating to the Gift or services.

  22. BOCHK and/or the Company reserve the right to change, suspend or terminate the Programme or to amend the terms and conditions of this Programme at their sole discretion. Terms and conditions apply for the above products, services and offers. For details, please make enquiries to the Company and/or BOCHK staff.

  23. All matters and disputes are subject to the final decision of the Company and/or BOCHK.

  24. No persons other than the customers, BOCHK 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.

  25. Should there be any discrepancy or inconsistence between the English and the Chinese versions of these Terms and Conditions, the Chinese version shall prevail.

Terms and Conditions of “Cash Rebate” Gift Points Redemption Programme:
  1. Unless otherwise specified, a customer who holds an Eligible Credit Card (excluding the co-brand cards that may be announced by the Company from time to time) is entitled to redeem cash rebates with Gift Points of the Eligible Account. During the redemption, the Eligible Credit Card must be set as the master account, and the required Gift Points will be deducted from the Eligible Credit Card first. “Cash Rebate” Gift Points Redemption Program is not applicable to customers who do not hold an Eligible Credit Card. Unless otherwise specified, each batch of 25,000 Gift Points equals to a HK$100 cash rebate, and the redemption must be in multiples of 25,000 Gift Points. Redemption of BOC Henderson Club Visa Card should refer to designated promotion terms and conditions.

  2. Under normal circumstances, it may take up to 3 working days to post the redeemed "Cash Rebate" amount to the requesting Cardholder’s Eligible Credit Card. Related transaction activities will be shown on the monthly statement that follows. All accepted redemptions can neither be cancelled nor changed.

  3. "Cash Rebate" amount cannot be transferred, refunded or exchanged for cash. Should the "Cash Rebate" be posted to an account that is blocked or terminated (whether or not resulting from a discretion exercised by the Company), the related cash rebate redemption will be cancelled and the affected Cardholder will not have any right to seek redress from the Company.

Terms and Conditions of Instant Rewards:
  1. Unless otherwise specified, a customer who holds an Eligible Credit Card is entitled to redeem instant cash discounts/designated vouchers/gift vouchers with Gift Points of the Eligible Account. During the redemption, the Eligible Credit Card must be set as the master account, and the required Gift Points will be deducted from the Eligible Credit Card first. Instant Rewards are not applicable to customers who do not hold an Eligible Credit Card.

  2. Customer is entitled to convert Gift Points of an Eligible Account to instant cash discounts/designated vouchers/gift vouchers at physical stores/online stores of designated merchants on the basis of 250 Gift Points to HK$1 instant cash discount or 25,000 Gift Points to HK$100 specific voucher/gift voucher. For redeeming the instant cash discount, the maximum redeemable amount of Instant Rewards is subject to the transaction amount and available balance of Gift Points.

  3. Instant Rewards is only applicable to designated products and services as may be specified at the physical stores/online stores of participating merchants.

Terms and Conditions of Mileage Awards:
  1. An Eligible Credit Cardholder who wishes to participate in the Mileage Awards must enrol in Mileage Awards in order to transfer Gift Points to air mileage scheme(s). Customer may call the 24-hour customer service hotline for registration.

  2. Customer must be a member of one of the participating airline’s air mileage scheme(s) in order to participate in Mileage Awards. Customer can contact any participating airline(s) to inquire and/or to register for participation in any such scheme. Customer must register their own membership number of relevant participating airline(s) in order to enrol in Mileage Awards and/or to redeem air mileage. Customer is not allowed to redeem air mileage using a membership number(s) not belonging to them or not under their own registered personal name.

  3. The customer who participates in Mileage Awards, and holds an Eligible Credit Card account and/or Eligible Banking Account that is valid and in good standing, will be entitled to transfer the Gift Points to the respective air mileage scheme(s). Mileage Awards is not applicable to customers who do not hold an Eligible Credit Card.

  4. For first time redemption, the minimum level shall be 1,000 Miles/Miles Points/Kilometers. Redemption shall be in multiples of 500 Miles/Miles Points/Kilometers thereafter. The conversion rate of Gift Points to air mileage may differ for each participating airline, and it may be varied from time to time. The latest conversion rate is available at our website.

  5. A handling fee of HK$50 will be charged for every conversion of 5,000 Miles/Miles Points/Kilometers (the “Mileage”) (for conversion of less than 5,000 Mileage, the handling fee will be charged at the same rate as 5,000 Mileage redemption), subject to a minimum of HK$100 or a maximum of HK$300 per transaction. No handling fee will be charged for Mileage redemption using BOC Private Card or BOC Cheers Card.

  6. All Gift Points redeemed and deducted from the customer’s Gift Point of Eligible Account cannot be reinstated. Under normal circumstances, a transaction will take up to 2 to 3 weeks to complete.

  7. BOCHK and/or the Company accept no liability for the Gift Points transferred to any of the participating airline(s) under Mileage Awards or for the actions taken/contemplated by the participating airline(s) in connection with its mileage scheme or otherwise.

  8. Customer is subject to and must comply with the terms and conditions of respective participating airline(s)’ air mileage schemes enrolled under Mileage Awards. Customer who has successfully applied for the mileage program will be notified of the Terms and Conditions by the participating airline(s).

  9. The participating airlines may change its mileage program rules, including but not limited to regulations, policies, benefits, participation conditions, mileage expiry or mileage levels, in whole or in part, at any time, with or without prior notice, even though such changes may materially affect the value of the free mileage already accumulated. BOCHK and the Company accept no liability for any impact to the customer due to such changes.

Terms and Conditions of “Offset Spending with Gift Points” Redemption Programme:
  1. “Offset Spending with Gift Points” via BoC Pay is applicable to customers who hold an Eligible Credit Card (excluding the co-brand cards that may be announced by the Company from time to time, including but not limited to BOC Henderson Club Visa Card) and/or Eligible Banking Account.

  2. Customer is required to bind BoC Pay with a BOC Dual Currency Card or Eligible Banking Account before using “Offset Spending with Gift Points”. Usage of BoC Pay is subject to its Terms and Conditions, please call Credit Card Customer Services Hotline on (852) 2853 8828 or Personal Customer Service Hotline on (852) 3988 2388 if there are any enquiries.

  3. Eligible Transaction refers to a merchant transaction that is settled by BoC Pay QR payment in Hong Kong dollars excluding transaction settled by FPS. The BOC Dual Currency Card or Eligible Banking Account selected by the customer will be treated as the master account; Gift Points will be deducted from the master account first. Where the Gift Points in the master account are insufficient, the system will automatically deduct the remaining Gift Points from the customer’s Eligible Credit Card or Eligible Banking Account which has Gift Points that will expire first. Gift Point(s) of a cancelled/expired Eligible Credit Card and/or a cancelled Eligible Banking Account will be cleared automatically and will not be accepted for the usage of “Offset Spending with Gift Points”.

  4. Every 250 Gift Points can be used to offset HK$1 of eligible transaction amount. Customer has to meet the minimum amount requirement (HK$1) per redemption. Customer may redeem up to the transaction amount in full with Gift Points (transaction amount must be in a whole number, e.g. if the transaction amount is HK$100.5, customer can offset a maximum of HK$100 with 25,000 Gift Points, and the residual amount must be settled via BoC Pay) or available Gift Points (whichever is lower). The amount offset by “Offset Spending with Gift Points” will be posted into the master account that has been chosen by the customer within 3 working days after the transaction. For BOC Dual Currency Card, records of eligible transaction and that of “Offset Spending with Gift Points” may differ, and may be shown on different monthly statements, due to different cut-off dates of the credit card.

  5. “Offset Spending with Gift Points” can be used together with the “Discount/Instant Discount” offer. The following situations are only applicable to “Scan to Pay” transactions: if the customer confirms to offset the spending with Gift Points, the “Discount/Instant Discount” offer will be applied to the relevant transaction first, and the Payment Amount will be equal to the amount after the deduction of “Discount/Instant Discount” from the original price. If the customer has sufficient Gift Points of Eligible Account to offset the Payment Amount, Gift Points will be deducted from the selected BOC Dual Currency Card and/or Eligible Banking Account. The Offset Amount will be posted to the customer’s master account after the transaction (please refer to Examples A and B below for details). If the customer does not have sufficient Gift Points of Eligible Account to offset the Payment Amount, all the available Gift Points of Eligible Account will be deducted from the account(s) first and the Offset Amount will be posted to customer’s master account after the transaction (please refer to the Example C below for details). Payment Amount must be settled by the selected master account.

    Example Original Price “Discount/Instant Discount” Amount Payment Amount Gift Point balance of Eligible Account (for Offset the Spending) Points to be Deducted Offset Amount Point Balance
    A $99 $20 $79 24,750
    ($99)    		 19,750 $79 5,000
    B $99 $20 $79 22,250
    ($89)    		 19,750 $79 2,500
    C $99 $20 $79 17,250
    ($69)    		 17,250 $69 0


  6. “Offset Spending with Gift Points” cannot be cancelled after redemption. If a customer returns or cancels the Eligible Transaction, Gift Points used for offset will not be returned. The offset amount will be credited to the customer’s master account. For BOC Dual Currency Card, returned credit amount can be used to settle outstanding retail spending on the credit card. For Eligible Banking Account, returned credit amount can be used to settle the outstanding retail spending and bill payment. The returned credit amount cannot be transferred, returned or exchanged for cash. The status of the relevant account must be normal, valid and/or in good standing at the time of redemption. If a relevant account which is blocked or terminated (whether or not resulting from a discretion exercised by BOCHK or the Company), the redemption amount will be cancelled, and BOCHK and the Company shall not be liable to the customer for any losses caused.

Terms and Conditions of “Merchant Gift eVoucher” Gift Points Redemption Programme:
  1. “Merchant Gift eVoucher” Gift Points Redemption Programme via BoC Pay is applicable to customers who hold an Eligible Credit Card (excluding co-brand cards that may be announced by the Company from time to time, including but not limited to BOC Henderson Club Visa Card) and/or Eligible Banking Account.

  2. Customer is required to bind BoC Pay with a BOC Dual Currency Card or Eligible Banking Account before participating in “Merchant Gift eVoucher” Gift Points Redemption Programme. Usage of BoC Pay is subject to its Terms and Conditions, please call Credit Card Customer Services Hotline on (852) 2853 8828 or Personal Customer Service Hotline on (852) 3988 2388 if there are any enquiries.

  3. Customers can only redeem Merchant Gift eVoucher (“Gift eVoucher”) via BoC Pay. While participating in this Programme, the Eligible Credit Card or Eligible Banking Account selected by the customer will be treated as the master account; Gift Points will be deducted from the master account first. Where the Gift Points in the master account are insufficient, the system will automatically deduct the remaining Gift Points from the customer’s Eligible Credit Card or Eligible Banking Account which has Gift Points that will expire sooner.

  4. A transaction using Gift Points to redeem Gift eVouchers cannot be altered, returned or cancelled once confirmed. The Gift Points of Eligible Account used for redemption will not be returned. Relevant redemption transactions will be shown on BoC Pay. Gift eVouchers redeemed will be stored on the customer’s BoC Pay after the transactions. The customer must keep and handle Gift eVouchers with care. Gift eVouchers redeemed cannot be changed, refunded or transferred. BOCHK and/or the Company will not reissue or change Gift eVouchers, nor will they accept responsibility for the loss of an Gift eVoucher if it is not caused by the BoC Pay mobile application system.

  5. There is limited stock of each type of Gift eVoucher. Redemption will be served on a first-come-first-served basis and while stocks last. Gift eVouchers will be bounded by the terms and conditions of respective suppliers, please refer to the detail page of the relevant Gift eVoucher.

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