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3. At which merchants can I use "Offset Spending with Gift Points"?

You can use "Offset Spending with Gift Points" service at merchants that support BoC Pay QR payments. Transactions must be in Hong Kong Dollars. "Offset Spending with Gift Points" service is not applicable to FPS transactions.

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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!