Terms and Conditions of “Hang Seng Credit Card Spending Promotion” (the “Promotion”)

  1. The promotion period for the Promotion runs from 16 May 2025 to 15 July 2025, inclusive (“Promotion Period”). The Promotion Period is divided into two phases:
    Phase 1: 16 May 2025 to 15 June 2025
    Phase 2: 16 June 2025 to 15 July 2025
  2. The Promotion applies to principal cardholders (“Customers”) of Hang Seng Credit Cards, Affinity Cards, Commercial Cards, Business Cards, or Spending Cards, excluding supplementary cards, Hang Seng Bupa Cards, Hang Seng UnionPay Renminbi Diamond Commercial Cards, Renminbi Credit Cards, USD Visa Gold Cards, e-shopping MasterCards, and Private Label Cards (“Eligible Credit Cards”), as determined by the records of Hang Seng Bank Limited (“Hang Seng”).
  3. Eligible Transactions refer to single retail transactions with a net spending amount of HKD 500 or more (“Eligible Transactions”), but exclude online bill payments via Hang Seng e-Banking (including but not limited to water bills, electricity bills, insurance premiums, payments to other banks and credit cards), tax payments, all Alipay and WeChat Pay transactions, phone/fax orders (including bill payments and purchases), Hong Kong Dollar transactions at points of sale outside Hong Kong (for online transactions, the merchant’s registration and/or settlement location) (“DCC Transactions”), cash coupon purchases, instalment payments, balance transfers, split transactions, “Octopus Automatic Add-Value Service” auto top-up amounts (including Smart Octopus reloads via e-wallets or other methods), purchases and/or reloads of stored value cards or e-wallet transactions, purchases of products/services from financial or non-financial institutions (including but not limited to foreign exchange, money orders, travellers’ cheques, deposits, money transfers, and Trading Platform spending on Plus500, IG.com, etc.), casino chip purchases, autopays, cash advances, cash advance handling fees, annual fees, card handling fees, finance charges, late charges, and transactions under recurring payment instructions, or transactions for tuition fees, examination fees, or bookstore purchases made with University/College Affinity Credit Cards. For detailed spending definitions, please visit the relevant Hang Seng Bank website. Transactions found to be fraudulent or subsequently cancelled/refunded will be deemed ineligible and will not qualify for this Promotion or additional rebates/Points.
  4. Customers who successfully register and accumulate a net Eligible Spending amount of HKD 6,000 per phase during the Promotion Period are eligible to receive an additional 2% +FUN Dollars rebate or 4X yuu Points on Eligible Spending exceeding HKD 6,000 per phase. Each Customer can earn up to an extra $500 +FUN Dollars or 100,000 yuu Points per phase, with a maximum of $1,000 +FUN Dollars or 200,000 yuu Points for the entire Promotion Period (“Reward”).
    Example:
    Accumulated Eligible Spending in the phase: HKD 16,000
    Eligible Spending eligible for Reward: HKD 10,000
    Rewards earned in the phase:
    HKD 10,000 × 2% +FUN Dollars rebate = $200 +FUN Dollars
    HKD 10,000 × 4X yuu Points = 40,000 yuu Points
  5. Eligible Spending and Rewards are calculated based on the net spending amount, defined as the final amount charged to the Hang Seng Credit Card after deducting any discount offers, +FUN Dollars, yuu Points, or Merchant Dollars (if applicable).
  6. The +FUN Dollars rebate or yuu Points will be rounded down to the nearest whole dollar or point.
  7. If a Customer holds more than one Eligible Credit Card, all Eligible Transactions under the principal Eligible Credit Card(s) of the same cardholder will be combined to determine the additional Reward.
  8. To participate in the Promotion, Customers must register once during the Promotion Period using their principal Eligible Credit Card(s) via the hotline 2998 6000 or the online registration web page. Upon successful registration, a reference number will be issued, which is final and binding. Customers may also register through the +FUN Centre in the Hang Seng Personal Banking mobile app (log in, select “Cards” > “+FUN Centre” > choose this promotion and register). Repeated registrations will be disregarded, with only the first successful registration considered valid. Only Eligible Transactions from the registration date to the end of the Promotion Period will count toward the Reward.
  9. All Eligible Transactions must be completed within the Promotion Period and posted to the relevant credit card accounts by 31 July 2025.
  10. Eligible Transactions and merchant codes will be determined based on classifications by Visa Worldwide Pte. Limited, Mastercard Asia/Pacific (Hong Kong) Limited, UnionPay International, or the respective merchant’s acquiring bank, at Hang Seng’s sole and absolute discretion. Hang Seng is not obligated to confirm transaction eligibility for +FUN Dollars or yuu Points prior to transaction processing. Hang Seng’s decision on Eligible Transaction definitions is final.
  11. Hang Seng will verify Customer eligibility for +FUN Dollars and yuu Points based on its transaction records. In case of any disputes, Hang Seng’s records are final and conclusive.
  12. Extra +FUN Dollars or yuu Points will be credited to the Eligible Credit Card account with the highest Eligible Spending recorded by Hang Seng in October 2025. The account must remain valid and in good standing at the time of crediting. Customers can check reward details by logging into Hang Seng Personal e-Banking (if applicable) or calling the 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
  13. Registrations cannot be altered or cancelled, and rewarded +FUN Dollars or yuu Points cannot be transferred or converted to cash under any circumstances. Extra +FUN Dollars or yuu Points will be calculated per Eligible Transaction and rounded down to the nearest whole dollar or point. Amounts less than $1 +FUN Dollar or 1 yuu Point will not be awarded.
  14. Customers must retain original sales slips for all posted transactions for verification purposes in case of disputes. Hang Seng reserves the right to request these slips and will not return submitted copies.
  15. Use of +FUN Dollars is governed by the Hang Seng Credit Card Membership Rewards Programme terms and conditions, while yuu Points usage is subject to the Hang Seng enJoy Card Reward Programme terms. For details, contact the 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
  16. Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card (“enJoy Card”) holders earn yuu Points. Refer to the Hang Seng enJoy Card promotion page for Reward Programme details.
  17. All products, services, and information related to this Promotion are provided directly by merchants, who bear full responsibility for associated obligations and liabilities.
  18. Hang Seng reserves the right to modify or convert +FUN Dollars or yuu Points into alternative rewards (e.g., points or cash rebates) of equivalent value or earning ratio without prior notice.
  19. Unless otherwise stated, this Promotion may be combined with other +FUN Dollars or yuu Points offers.
  20. Hang Seng reserves the right to amend or terminate the Promotion and its terms and conditions at any time without prior notice. In case of disputes, Hang Seng’s decision is final.
  21. No third party, other than the Customer and Hang Seng (including its successors and assigns), has rights under the Contracts (Rights of Third Parties) Ordinance to enforce or benefit from these Terms and Conditions.
  22. These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  23. These Terms and Conditions are subject to prevailing regulatory requirements.
  24. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.


Terms and Conditions for Handling Fee Rebate

  1. The promotion period is from 16 May 2025 to 15 July 2025 (“Promotion Period”).
  2. The Spending Instalment – Personalised Monthly Handling Fee Plan (“Spending Instalment Plan”) is available only to Hang Seng Credit Card principal cardmembers (“Cardmembers”), excluding supplementary cards (including additional supplementary cards), Renminbi Credit Cards, Business Cards, Commercial Cards, e-shopping MasterCards, Spending Cards, USD Visa Gold Cards, and Private Label Cards.
  3. To qualify for the handling fee rebate, Cardmembers must have registered for the +FUN Promotion Offer 1, applied for the Spending Instalment – Personalised Monthly Handling Fee Plan during the Promotion Period, and received approval for an accumulated instalment amount meeting the designated threshold below, with a repayment term of 12 months or more. The handling fee rebate scheme is as follows:
    Approved Accumulated Instalment Amount
    (only applicable for tenor of 12 months or above)     		Handling Fee Rebate
    HKD 8,000 or above $200 +FUN Dollars / 40,000 yuu Reward Points
  4. Each eligible Cardmember is entitled to the offer once during the Promotion Period, with only the first approved Spending Instalment Plan qualifying for the rebate.
  5. The handling fee rebate will be credited automatically to the eligible Cardmember’s credit card account in a single transaction on or before 31 October 2025, provided the account remains valid and in good standing. If a Cardmember repays the instalment amount early or cancels the Spending Instalment Plan after receiving the rebate, Hang Seng Bank Limited (“We” or “Us”) reserves the right to deduct the full handling fee rebate or its Hong Kong Dollar equivalent from the Cardmember’s credit card account for any Spending Instalment applications within the Promotion Period.
  6. All handling fee rebates are non-transferable and cannot be exchanged for cash.
  7. We reserve the right to suspend, modify, or terminate the offer and amend these terms and conditions at any time. In case of disputes, our decision is final.
  8. These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  9. These Terms and Conditions are subject to prevailing regulatory requirements.
  10. No third party, other than the Cardmember and Us (including our successors and assigns), has rights under the Contracts (Rights of Third Parties) Ordinance to enforce or benefit from these Terms and Conditions.
  11. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.


Note: Hang Seng Spending Card account is a non-interest bearing account. Funds maintained in the Hang Seng Spending Card account are not protected deposits and are not covered by the Deposit Protection Scheme in Hong Kong.

To borrow or not to borrow? Borrow only if you can repay!