Terms and Conditions of “Hang Seng Visa Credit Card Summer Reward Double Up” (the “Promotion”):

1. The promotion period of the Promotion is from 16 June to 15 August 2025, both dates inclusive (“Promotion Period”).
2. The Promotion is applicable to principal cardholder of Hang Seng Visa Credit Card(s) (“Customer”) (including Affinity Card, but excluding Commercial Card, Business Card, Spending Card, USD Visa Gold Card and Private Label Card) (“Eligible Credit Card”), subject to the record of Hang Seng Bank Limited (“Hang Seng”).
3. Eligible Transactions refer to single Online or Foreign Currencies Retail Transactions with a net spending amount of HKD 500 or above (“Eligible Transactions”), but exclude any 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, etc.) and tax payments, all Alipay and WeChat Pay transactions, phone / fax orders (including bill payments and purchases), transactions in Hong Kong Dollars at the point of sales (in case of online transactions, the place of registration and/or settlement of the merchant) outside Hong Kong (“DCC Transaction”), cash coupon purchase, instalment payments, 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 or Transactions of Tuition Fee Payment / Examination Fee Payment / Bookstores made with University / College Affinity Credit Card, please refer to related Hang Seng Bank website for relevant spending definition and details. All transactions that are found to be fraudulent or eventually cancelled / returned will be considered as ineligible transactions and are not applicable to this promotion and extra rebate / Points will not be rewarded.
4. During the entire Promotion Period, upon accumulating Eligible Transactions with net spending of HKD6,000 or above , each customer can earn extra $300 + FUN Dollars / 60,000 yuu Points, whilst upon accumulating Eligible Transactions with net spending of HKD15,000 or above, customers can earn extra $1,200 + FUN Dollars / 240,000 yuu Points (“Reward”).
5. Eligible Online Retail 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.
6. Eligible Foreign Currencies Retail Transaction includes retail spending at the point of sales outside Hong Kong in foreign currencies made with Eligible Credit Card, excluding transaction in Hong Kong dollars or dynamic currency conversion transaction.
7. The Eligible Spending and Reward are based on the net spending amount through Eligible Transactions, which means the final amount charged to the Hang Seng Credit Card, deducted after the use of any discount offers and +FUN Dollars / yuu Points / Merchant Dollars (if applicable).
8. The +FUN Dollars rebate / yuu Points will be rounded down to the nearest dollar / point.
9. If there is more than one Eligible Credit Card under Customer, all Eligible Transactions made under principal Eligible Credit Card(s) of the same cardholder will be included for calculating extra Reward on a combined basis.
10. To enjoy the Promotion, Customers must successfully register once via the hotline 2998 6000 or online registration web page with principal Eligible Credit Card(s) during the Promotion Period. Upon completion of registration, Customers will receive a reference number, which shall be final and conclusive. Customers can also register via +FUN Centre in Hang Seng Personal Banking mobile app (Log on Hang Seng Personal Banking mobile app. Select “Cards” > “+FUN Centre” > Select this promotion and register). If a customer registers repeatedly, only the first registration is valid. Only Eligible Transactions made from the registration date to the end of the Promotion Period will be counted for the Reward. Customers who have successfully registered for “+FUN Everyday Spending Rewards” from 16 May to 15 June 2025 need not register again and will be automatically entitled to this Promotion starting from 16 June 2025.
11. All Eligible Transactions must be completed within the Promotion Period and posted to the relevant credit card accounts on or before 31 August 2025.
12. Eligible 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 +FUN Dollars Rewards / yuu Points before the Customers conduct the transactions. The decision on the Eligible Transaction definition of Hang Seng shall be final.
13. Hang Seng will determine the eligibility of the customers for all +FUN Dollars / yuu Points to be rewarded based on the transactions records held by Hang Seng. In case of any disputes, Hang Seng’s records shall be final and conclusive.
14. The extra +FUN Dollars / yuu Points will be credited into Eligible Credit Card accounts with the highest Eligible Spending maintained in Hang Seng’s record in November 2025. Such credit card accounts must remain valid and in good standing when the relevant +FUN Dollars / yuu Points are credited. Customers can log in to Hang Seng Personal e-Banking (if applicable) or call 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
15. No alteration or cancellation can be made to the registration, and all rewarded +FUN Dollars / yuu Points cannot be transferred or converted into cash under any circumstances. Extra +FUN Dollars or yuu Points will be calculated per Eligible Transaction.
16. Customers must keep the original sales slips of all posted transactions for verification purpose should any dispute arise. Hang Seng reserves the right to request customers to provide the relevant original sales slips for verification. All sales slips submitted to Hang Seng will not be returned.
17. Use of +FUN Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. Use of yuu Points is subject to the terms and conditions for Hang Seng enJoy Card Reward Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
18. Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card (“enJoy Card”) are rewarded with yuu Points. Please refer to Hang Seng enJoy Card promotion page for Reward Points Programme details.
19. All products, services and information related to this promotion are directly sold and supplied to customers by the relevant merchants who are solely responsible for all related obligations and liabilities.
20. Hang Seng reserves the right to vary or convert +FUN Dollars / yuu Points to other forms of rewards (including but not limited to points or cash rebates) equivalent to the same values / amounts / earning ratio of the +FUN Dollars / yuu Points to eligible customers from time to time without prior notice.
21. Unless otherwise specified, this Promotion can be used in conjunction with other +FUN Dollars / yuu Points promotions.
22. Hang Seng reserves the right to vary or terminate the promotion at any time and to amend the terms and conditions of the promotion from time to time without prior notice. In case of any disputes, the decision of Hang Seng shall be final.
23. No person other than the customer 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.
24. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
25. These Terms and Conditions are subject to prevailing regulatory requirements.
26. The English version of these terms and conditions shall prevail whenever there is any discrepancy between the English and Chinese versions.

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 protected by the Deposit Protection Scheme in Hong Kong.

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