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11. Can I use the "Year of Cardholding Offer" and Monday's Surprise offer at the same time?

Yes. By using both offers, every 160 Gift Points can be used to offset HKD1 of the transaction amount (20% off on top of 20% off).

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BoC Pay is accepted by merchants with the label shown below.
Reminder: To borrow or not to borrow? Borrow only if you can repay!