“Terms and Conditions of Hang Seng Credit Card Million Dining Credit Lucky Draw Promotion (“Lucky Draw Promotion)”

  1. The promotion period is 11 November 2024 to 7 January 2025 (“Promotion Period”).
  2. Customer of Hang Seng Bank Limited (“Hang Seng Bank”) must be cardholder (“Eligible Customers”) of Hang Seng Credit Card, Affinity Card or Spending Card (“Eligible Credit Card”) during the Promotion Period to be entitled to the Lucky Draw Promotion, but excluding USD Visa Gold Card, Renminbi Credit Card, UnionPay RMB Diamond Commercial Card, e-shopping Mastercard and Private Label Cards .
  3. Staff of Hang Seng Bank who meet the requirements of being an Eligible Customer may participate in this Lucky Draw Promotion .
  4. Eligible transactions mean local/overseas/online net retail transactions conducted with physical Eligible Credit Card or mobile payment during the Promotion Period, excluding any online bill payments via Hang Seng Personal e-Banking, phone/fax orders (including bill payments and purchases), cash coupon purchase, balance transfers, split transactions, “Octopus Automatic Add-Value Service” auto top-up amounts (including but not limited to reloading of Smart Octopus via e-wallets or other channels), purchase and/or reload of stored value cards or e-wallets or transactions via e-wallets, purchase of products/services at financial / non-financial institutions (including but not limited to foreign currency, money orders, travellers’ cheques, deposits and money transfers and Trading Platform spending in Plus500, IG.com etc.), casino chip purchases, autopays, cash advance transactions, handling fees of cash advance/annual fees/handling fees/finance charges, late charges of credit cards and any transactions under recurring payment instructions (“Eligible Transactions”). Any transactions that are found to be fraudulent unposted, cancelled or refunded will be considered as ineligible transactions and are not applicable to this promotion and no lucky draw chance will be rewarded.
  5. Eligible Retail Transactions and eligible merchant codes shall be classified according to the merchant codes/transaction types as defined by Visa Worldwide Pte. Limited, Mastercard Asia/Pacific (Hong Kong) Limited and UnionPay International or determined by the respective merchant's acquiring bank, and at the sole and absolute discretion of Hang Seng. Hang Seng has no obligation to clarify which transactions are eligible for the lucky draw chance before the Customers conduct the transactions. The decision on the Eligible Transaction definition of Hang Seng shall be final.
  6. Eligible Customers who make Eligible Transaction with each Eligible Credit Card during the Promotion Period:
    1. Each Eligible Credit Card will be automatically entitled to obtain 1 lucky draw chance upon single net spending of HKD500 or above (if the principal card and its supplementary card share the same credit limit, the total lucky draw chance will be combined and credited to the principal card account) (“Promotion 1”);
    2. will double up the total lucky draw chances upon total net Eligible Transaction spending accumulated with HKD25,000 or above during the Promotion Period (“Promotion 2”).
  7. Unless otherwise specified, Eligible local/overseas/online retail transactions include but not limited to:
    1. Eligible Online Spending Transaction includes any online spending transactions in local or foreign currencies with Eligible Credit Card. For foreign currencies transactions, the transaction amount will be based on the transaction currency transaction amount converted to Hong Kong Dollars and posted in the credit card statement;
    2. Eligible Overseas Spending include overseas retail spending in foreign currencies made with Eligible Credit Card, excluding dynamic currency conversion transaction. For foreign currencies transactions, the transaction amount will be based on the transaction currency transaction amount converted to Hong Kong Dollars and posted in the credit card statement;
    3. Eligible Mobile Payment Transaction includes any transactions made in local currency settled by Mobile Payment Services with Eligible Credit Card which are registered to Apple Pay, Google Pay™, Samsung Pay and UnionPay App (collectively, “Mobile Payment Services”) that are recognized by Hang Seng.
  8. The respective provider of the Mobile Payment Service (“Mobile Payment Service Providers”) and merchants may reject an Eligible Credit Card if its payment system cannot handle the individual Credit Card type. Please contact respective Mobile Payment Service Providers or the merchants for details. Use of Mobile Payment Service with Eligible Credit Cards is subject to the terms and conditions of Mobile Payment Service Addendum to Card member Agreement. For details, please visit hangseng.com/mobilepayment.
  9. All eligible transactions must be completed within the period of 11 November 2024 to 7 January 2025, and posted to the relevant offer’s Eligible Credit Card account on or before 21 January 2025. The relevant transaction and posting time shall be subject to Hang Seng’s records.
  10. Eligible Transactions are based on the net spending amount, which means the final amount charged to the Eligible Credit Card, and the use of any discount offers, +FUN Dollars, yuu Points or Merchant Dollars (if applicable) will not be taken into account.
  11. Hang Seng will randomly draw the winner from the Eligible Customers (“Prize Winner”) by system program. Eligible Customers will automatically enter the lucky draw promotion and no registration is required. Unlimited chances of lucky draw entries for each Eligible Customer. Each Eligible Customer can win the prize once only in this Lucky Draw Promotion, regardless of the number of Eligible Credit Cards he/she owns.
  12. A total of 50 prize are available for the Lucky Draw Promotion. Each Prize Winner will receive HKD 20,000 free dining credit (“Free Dining Credit”) which is applicable only to Eligible Local Dining Transaction and must be consumed between 1 and 30 June 2025 (both dates inclusive) while the Free Dining Credit is only applicable to Hong Kong Local Dining Transaction during the period. Unused credit amount during the period will not be extended or refunded in any form or in any circumstance. Prize Winner would pay in advance the posted Eligible Local Dining Transaction by statement due date. The Free Dining Credit will then be reimbursed on an actual consumption basis and credited to the corresponding Eligible Credit Card account of Prize Winner by end of August 2025.
  13. Eligible Local Dining Transaction includes any Eligible Transactions in local retail dining merchants paid in Hong Kong Dollars using Eligible Credit Card, according to the merchant codes/ transaction types as defined by VISA Worldwide Pte. Limited, Mastercard Asia/ Pacific (Hong Kong) Limited, and UnionPay International or determined by the respective merchant's acquiring bank. Unless otherwise specified, local retail dining transactions exclude restaurants in hotels, banquet services, private parties / functions, private room events, cake / bakery shops and dining outlets/ merchants in department stores, associations, clubhouses.
  14. Prize Winners will be notified by email or local SMS sent from Hang Seng Bank about the prize result in May 2025. Credit Card account of prize winners should remain valid and in good standing in period of Dining Credit fulfilment period. Customers can visit the Lucky Draw Promotion page for prize winner list from late May to 30 June 2025.
  15. Hang Seng Bank assumes no responsibility for technical hardware or software failures of any kind, lost or unavailable network connections, or failed, incomplete, garbled or delayed electronic transmission or any other reason such as incorrect or not up-to-date email address or local SMS receiving number at Hang Seng Bank record which may limit a prize winner ability to receive the email or local SMS on the prize winning of the Lucky Draw Promotion.
  16. All Dining Credit cannot be transferred or converted into cash or exchanged for other products under any circumstances.
  17. The Lucky Draw Promotion is offered by Hang Seng Bank. Hang Seng Bank reserves the right to vary or convert the Dining Credit to other forms of rewards (including but not limited to points or cash rebates) equivalent to the same values/amounts/earning ratio of the rewards to eligible customers from time to time without prior notice. In case of any discrepancy arising out of the promotion, the decision of Hang Seng Bank shall be final and conclusive.
  18. All products, services and information related to the Lucky Draw Promotion are directly sold and supplied to customers by the relevant merchants who are solely responsible for all related obligations and liabilities.
  19. No person other than the customers and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
  20. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  21. These Terms and Conditions are subject to prevailing regulatory requirements.
  22. Hang Seng reserve the right to amend the terms and conditions of the Lucky Draw Promotion without prior notice, and of final decision on all matters of dispute.
  23. In case of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

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