9. Can I use "Offset Spending with Gift Points" service to offset transactions made overseas / in the mainland?

"Offset Spending with Gift Points" service can only be used for transactions that are settled with BoC Pay QR payment in Hong Kong Dollars. Transactions made overseas and in the mainland can be offset if they were settled in Hong Kong Dollars.

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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!