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2. How do I use "Offset Spending with Gift Points"?

Method 1: With "Scan" function

  1. Click the "Scan" tab at the bottom (or enter via "Scan to Pay" in the Menu).
  2. Scan the UnionPay QR code provided by the merchant.
  3. Enter the payment amount (if necessary).
  4. Select "Offset with Points" on the payment details page.
  5. Enter payment passcode or use biometric authentication.
  6. Payment and Offset Spending with Points completed.

Method 2: With "QR Pay" function

  1. Click the "QR Pay" tab at the bottom (or enter via "QR Code Payment" in the Menu).
  2. Enter payment passcode or use biometric authentication.
  3. Present the QR code to the merchant.
  4. Payment completed. Select "Offset with Points".
  5. Confirm to use "Offset with Points".
  6. Offset Spending with Points completed.

Method 3: With "Transaction Records" function

  1. Select "Transaction Records" under "My Account" in the Menu.
  2. Select a merchant transaction settled in Hong Kong Dollars with marking of "Offset Now" (Smart tips: You can offset a transaction that "Offset with Gift Points" has not been used within 7 days ).
  3. Click " Offset with Points" and confirm the offset details.
  4. Enter payment passcode or use biometric authentication.
  5. Offset Spending with Points completed.
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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!