Terms and Conditions of “Winter Spending Rewards” (the “Promotion”):

  1. The promotion period of the Promotion is from 1 December 2025 to 28 February 2026, both dates inclusive (“Promotion Period”). The Promotion Period is divided into 2 phases.
    Phase 1: 1 December 2025 to 14 January 2026
    Phase 2: 15 January 2026 to 28 February 2026
  2. The Promotion is applicable to principal card customer (“Customer(s)”) of Hang Seng Credit Card, Affinity Card, enJoy Spending Card, enJoy Commercial Card or enJoy Business Card, but excluding supplementary card, other Commercial Card / Business Card / Spending Card, Hang Seng Bupa Card, Hang Seng UnionPay Renminbi Diamond Commercial Card, Renminbi Credit Card, USD Visa Gold Card, e-shopping Mastercard and Private Label Cards (“Eligible Credit Card(s)”), subject to the record of Hang Seng Bank Limited (“Hang Seng”).
  3. Holders of principal Hang Seng Visa Card(s) (including Affinity Card, enJoy Spending Card, enJoy Commercial Card and enJoy Business Card, but excluding supplementary Card, other Commercial Card, Business Card, Spending Card, USD Visa Gold Card and Private Label Card) (“Hang Seng Visa Card(s)”) will be entitled to extra rewards as detailed below (“Hang Seng Visa Card Exclusive Rewards”).
  4. To enjoy the Promotion, each Customer must successfully register for the Promotion once via online registration web page with principal Eligible Credit Card during the Promotion Period. Upon completion of registration, Customer will receive a reference number, which shall be final and conclusive. Customer can also register the Promotion at +FUN Centre in Hang Seng Personal Banking mobile app. Each customer only needs to register once. All Eligible Credit Cards under the Customer’s name are then registered for this Promotion. No alteration or cancellation can be made to the registration.
  5. “Eligible Transaction” refer to retail transactions made with Eligible Credit Card from the registration date to the end of the Promotion Period, 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 insurance company’s transactions, all Alipay and WeChat Pay transactions, phone / fax orders (including bill payments and purchases), 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 are considered as ineligible transactions and are not qualified for this Promotion. Extra rebate / Points will not be rewarded.
  6. 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 (“Online Transaction(s)”).
  7. 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 (“Foreign Currencies Transaction(s)”).
  8. Once the customers have successfully registered for the Promotion and “Fortress Wow Reward”, the spending at Fortress physical stores or online store from 1 to 31 December 2025 will not be counted as Eligible Transaction in the Promotion.
  9. Customer who accumulates eligible spending of designated amount during Promotion Period are entitled to extra +FUN Dollars or yuu Points (“Rewards”). The Rewards are subject to these terms and conditions.
    Reward 1:
    Customer who accumulates eligible spending of specified amount in each phase can be entitled to up to an extra $700 + FUN Dollars / 140,000 yuu Points in each phase.
    Accumulated eligible spending amount of Rewards
    (+FUN Dollars / yuu Points)    		 Hang Seng Visa Card Exclusive Rewards
    (+FUN Dollars / yuu Points)
    HKD8,000 or above $150 / 30,000 $100 / 20,000
    HKD15,000 or above $500 / 100,000 $200 / 40,000
  10. Reward 2:
    Customer who are entitled to reward 1 and accumulates Online / Foreign Currencies Transactions of HKD5,000 or above in each phase can be entitled to up to an extra $200 +FUN Dollars / 40,000 yuu Points in each phase.
    Rewards
    (+FUN Dollars / yuu Points)    		 Hang Seng Visa Card Exclusive Rewards
    (+FUN Dollars / yuu Points)
    $100 / 20,000 $100 / 20,000
  11. Reward 3:
    If the accumulated eligible spending of Customer reaches HKD60,000 or above in the entire Promotion Period, each customer can earn extra reward.
    Rewards
    (+FUN Dollars / yuu Points)    		 Hang Seng Visa Card Exclusive Rewards
    (+FUN Dollars / yuu Points)
    $600 / 120,000 $400 / 80,000
  12. The Rewards are calculated based on the net spending amount of Eligible Transactions, which means the final amount charged to Eligible Credit Cards. The amount deducted from the usage of any discount offers and/or +FUN Dollars / yuu Points / Merchant Dollars (if applicable) will not be taken into account.
  13. 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 the Rewards on a combined basis.
  14. All Eligible Transactions must be completed within the Promotion Period and posted to the relevant credit card accounts on or before 15 March 2026.
  15. 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 of Hang Seng on the Eligible Transactions definition shall be final.
  16. Hang Seng will determine the eligibility of the customers for all +FUN Dollars / yuu Points to be rewarded based on the transaction records held by Hang Seng. In case of any disputes, Hang Seng’s records shall be final and conclusive.
  17. The extra +FUN Dollars / yuu Points will be credited into the Eligible Credit Card account with the highest Eligible Spending maintained in Hang Seng’s record by the end of May 2026. 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.
  18. 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. Extra +FUN Dollars / yuu Points rewarded will be rounded down to the nearest dollar / point. The +FUN Dollars / yuu Points less than $1 +FUN Dollar / 1 yuu Point will not be rewarded.
  19. 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 any Customer to provide the relevant original sales slips for verification. All sales slips submitted to Hang Seng will not be returned.
  20. 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.
  21. 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.
  22. 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.
  23. Unless otherwise specified, this Promotion can be used in conjunction with other +FUN Dollars / yuu Points promotions.
  24. Hang Seng reserves the right to suspend, revise or terminate the Promotion and relevant offers at any time and to amend the terms and conditions of the Promotion at any time and from time to time without prior notice. The decision of Hang Seng regarding all matters in relation to the Promotion and relevant offers shall be final and binding on all the parties concerned.
  25. No person other than the customer and Hang Seng (which includes its successors and assigns) has 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.
  26. These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  27. These Terms and Conditions are subject to prevailing regulatory requirements.
  28. The English version of these terms and conditions shall prevail whenever there is any discrepancy between the English and Chinese versions.


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