香港信用卡比較

登記及適用資格

• General eligible transactions include spending and credit instalment plan with AEON Card JAL.
• Local dining excludes online platforms, banquet services, private functions, private room events, dining outlets in hotels, department stores, associations and clubhouses, and food and beverage services provided by a designated merchant of other spending categories.
• Japan overseas transactions exclude online transactions from the HKD6 = 1 mile rate; those online transactions fall back to general eligible transaction treatment.
• JAL annual fee waiver requires HKD30,000 or above on credit purchase and card instalment in 12 months from first card confirmation date and annually thereafter.

上限及計算週期

• Octopus AAVS, eligible AEON Netmember online bill payments except Inland Revenue Department, digital wallet reload/transfer/any transaction including AlipayHK / WeChat Pay HK / PayMe, P2P transfers and cryptocurrency transactions are capped at 1,250 JMB Miles per month.
• AEON Card JAL annual fee is HKD480; first year is waived, and coming year waiver requires HKD30,000 qualifying spend.

不適用交易

• JMB Mile T&C excludes cash advances, cash advance cash instalment plan, bill payments to Inland Revenue Department, fees and charges, betting and gambling, unposted/cancelled/refunded transactions and fraudulent, illegal or criminal transactions.
• Annual-fee waiver spend calculation excludes cash advance, cash advance instalment, cash instalment handling charges, AEON Netmember payments, wire transfer, insurance payment, digital-wallet reload/transfer including Octopus AAVS, AlipayHK, PayMe, TNG and WeChat Pay HK, daily cashing, fees, AEON Purchase Instalment Plan, gambling and invalid/unposted/cancelled/refunded/fraudulent transactions.
• Welcome offer excludes cash advance, AEON Netmember payments, wire transfer, mobile transfer/top-up, P2P, cryptocurrency, speculation commerce, financial products/services, gambling, charges, AEON Purchase Instalment Plan, advertising services, AEON Mobile POS Express in-app payment, Octopus top-up and invalid/unposted/unauthorised/cancelled/refunded/fraudulent transactions.

年費、費用及申請資格

• AEON fee schedule lists AEON Card JAL annual fee as HKD480.
• Product page lists first-year annual fee waiver; coming-year annual fee waiver requires HKD30,000 eligible spend in 12 months.
• AEON fee schedule lists Mastercard foreign-currency transaction fee at 1.95% and HKD foreign transaction fee at 1% for overseas or non-HK registered merchants.

未確認事項及記錄備註

• Do not apply AEON Bonus Point redemption mechanics to JAL; official Bonus Point FAQ states AEON Card JAL cardholders are not eligible for the AEON Bonus Point redemption program.

官方來源（保留來源用字）

• AEON Card JAL product page
• AEON Card JAL JMB Mile Terms and Conditions
• AEON Card JAL annual fee waiver terms
• AEON Card JAL lounge service terms
• AEON Card JAL welcome offer terms
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• AEON Card Premium is by invitation only.

上限及計算週期

• AEON Premium page does not state a separate cap for 3X AEON Stores or 2X other merchants rewards in the reviewed text.

不適用交易

• Premium eligibility excludes handling fee, Cash Advance, Cash Advance Cash Instalment Plan, AEON online bill payment, e-wallet value added service, fund transfer and merchant payment including Alipay, WeChat Pay, TNG and PayMe, finance charge, gambling, refund and invalid/unposted/unauthorised/cancelled transactions.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Airport lounge access is intentionally modelled as paid-access benefit, not a free lounge entitlement.

官方來源（保留來源用字）

• AEON Card Premium product page
• AEON Eat / Live / Ride spending category PDF
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement
• AEON Premium Mastercard Mastercard Airport Experiences PDF
• AEON Premium Mastercard DragonPass / Mastercard Travel Pass PDF

登記及適用資格

• AEON Card Premium is by invitation only.

上限及計算週期

• AEON Premium page does not state a separate cap for 3X AEON Stores or 2X other merchants rewards in the reviewed text.

不適用交易

• Premium eligibility excludes handling fee, Cash Advance, Cash Advance Cash Instalment Plan, AEON online bill payment, e-wallet value added service, fund transfer and merchant payment including Alipay, WeChat Pay, TNG and PayMe, finance charge, gambling, refund and invalid/unposted/unauthorised/cancelled transactions.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Fee schedule lists general AEON UnionPay foreign-currency fee at 1%, while Premium product page separately states foreign transaction fees are waived for Premium UnionPay; use product-page feature for this card but refresh if fee precision is critical.

官方來源（保留來源用字）

• AEON Card Premium product page
• AEON Eat / Live / Ride spending category PDF
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• AEON Card Premium is by invitation only.

上限及計算週期

• AEON Premium page does not state a separate cap for 3X AEON Stores or 2X other merchants rewards in the reviewed text.

不適用交易

• Premium eligibility excludes handling fee, Cash Advance, Cash Advance Cash Instalment Plan, AEON online bill payment, e-wallet value added service, fund transfer and merchant payment including Alipay, WeChat Pay, TNG and PayMe, finance charge, gambling, refund and invalid/unposted/unauthorised/cancelled transactions.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Visa Signature offers are network benefits and may change or terminate without notice; profile treats them as non-rebate benefits.

官方來源（保留來源用字）

• AEON Card Premium product page
• AEON Eat / Live / Ride spending category PDF
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Reward Program promotion period reviewed: 2026-03-01 to 2026-08-31 inclusive.

上限及計算週期

• Each eligible customer in each monthly statement cycle gets unlimited 0.4% basic WAKU COIN reward.

不適用交易

• Online spending excludes insurance transactions, e-wallet transactions and AEON Merchant Interest-free Instalment Plan.

年費、費用及申請資格

• Official product page states permanent annual fee waiver.

未確認事項及記錄備註

• Do not apply AEON Bonus Point redemption mechanics to WAKUWAKU; official Bonus Point FAQ states AEON CARD WAKUWAKU cardholders are not eligible for that redemption program.

官方來源（保留來源用字）

• AEON CARD WAKUWAKU product page
• AEON CARD WAKUWAKU Reward Program Terms and Conditions
• AEON CARD WAKUWAKU Welcome Rebate Promotion after 2026-05-01
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Japan AEON bucket applies to designated Japan AEON physical stores, including AEON and AEON STYLE in Japan, with store list subject to update.

上限及計算週期

• Japan AEON 25X bucket caps at 50,000 Bonus Points per month, shown as up to HKD200 reference rebate.

不適用交易

• Eat, Live and Ride spending categories exclude transactions made via e-wallets including AlipayHK, WeChat Pay HK, Weixin, Alipay and PayMe.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Rechecked the dedicated official promotion terms on 2026-08-30. The existing period ends 2026-08-31 and the successor period runs 2026-09-01 to 2027-02-28 with the same 20X/25X structure.

官方來源（保留來源用字）

• AEON JCB Credit Card product page
• AEON JCB Japanese Yen Spending Rewards terms
• AEON Eat / Live / Ride spending category PDF
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Purple Everyday Rewards requires registration for the relevant promotion.

上限及計算週期

• Purple Everyday Rewards extra rewards cap is 25,000 Bonus Points per spending category per cardholder per month, 75,000 Bonus Points in total, shown as up to HKD300 reference rebate.

不適用交易

• Eat, Live and Ride spending categories exclude transactions made via e-wallets including AlipayHK, WeChat Pay HK, Weixin, Alipay and PayMe.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Mastercard-specific global service benefits are not modelled as rebate categories.

官方來源（保留來源用字）

• AEON Card Purple product and Purple Everyday Rewards page
• AEON Eat / Live / Ride spending category PDF
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• UnionPay Travel the Globe registration period is 2026-04-28 to 2026-07-31; each card needs to register once on AEON HK Mobile App to enjoy rewards from the calendar month onwards.

上限及計算週期

• UnionPay travel promotion caps extra rewards at 25,000 Bonus Points per month for each of the two reward buckets, 50,000 Bonus Points per month in total, shown as up to HKD200 reference rebate.

不適用交易

• Eat, Live and Ride spending categories exclude transactions made via e-wallets including AlipayHK, WeChat Pay HK, Weixin, Alipay and PayMe.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• UnionPay Travel the Globe promotion is active after 2026-06-30 but ends on 2026-07-31; date-gate this boosted bucket.

官方來源（保留來源用字）

• AEON UnionPay Card Travel the Globe Rewards page
• AEON Card Purple product and Purple Everyday Rewards page
• AEON Eat / Live / Ride spending category PDF
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Purple Everyday Rewards requires registration for the relevant promotion.

上限及計算週期

• Purple Everyday Rewards extra rewards cap is 25,000 Bonus Points per spending category per cardholder per month, 75,000 Bonus Points in total, shown as up to HKD300 reference rebate.

不適用交易

• Eat, Live and Ride spending categories exclude transactions made via e-wallets including AlipayHK, WeChat Pay HK, Weixin, Alipay and PayMe.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• AEON Card Purple page groups Visa, Mastercard, JCB and UnionPay under Purple, but JCB has a separate page and does not currently support mobile payments.

官方來源（保留來源用字）

• AEON Card Purple product and Purple Everyday Rewards page
• AEON Eat / Live / Ride spending category PDF
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Unless otherwise specified, cardholders earn 1 AEON Bonus Point for every HKD1 credit purchase.

上限及計算週期

• Welcome offer must be redeemed by registration and reservation at DR-Max Limited within the first six months after card issuance; each cardmember is eligible once only.

不適用交易

• DR-MAX 5% book discount excludes electronic English and designated products.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• DR-MAX coupon fine print is referenced by product page but not fully exposed as a standalone official terms PDF in reviewed sources.

官方來源（保留來源用字）

• DR-MAX Titanium Mastercard product page
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Unless otherwise specified, cardholders earn 1 AEON Bonus Point for every HKD1 credit purchase.

上限及計算週期

• SPCA online-shop discount requires entering code AEONSPCA26 at checkout.

不適用交易

• All payment via e-wallet or third-party payment applications/platforms is not applicable for SPCA 10% discount.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Puppy and Kitten SPCA Mastercard pages share the same reward / benefit mechanics; they differ by card design.

官方來源（保留來源用字）

• SPCA Mastercard Kitten product page
• SPCA Purchase Offer Terms and Conditions
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Unless otherwise specified, cardholders earn 1 AEON Bonus Point for every HKD1 credit purchase.

上限及計算週期

• SPCA online-shop discount requires entering code AEONSPCA26 at checkout.

不適用交易

• All payment via e-wallet or third-party payment applications/platforms is not applicable for SPCA 10% discount.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Puppy and Kitten SPCA Mastercard pages share the same reward / benefit mechanics; they differ by card design.

官方來源（保留來源用字）

• SPCA Mastercard Puppy product page
• SPCA Purchase Offer Terms and Conditions
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Unless otherwise specified, cardholders earn 1 AEON Bonus Point for every HKD1 credit purchase.

上限及計算週期

• No cap was stated in reviewed WATAMI double Bonus Point text.

不適用交易

• WATAMI double Bonus Point offer is applicable to e-wallet transactions from UnionPay App, but not AlipayHK or WeChat Pay HK.

年費、費用及申請資格

• AEON fee schedule states credit cards and co-brand credit cards issued by AEON, including supplementary cards, have permanent annual fee waiver except AEON Card JAL, whose annual fee is HKD480.

未確認事項及記錄備註

• Merchant birthday coupon fine print was referenced by product page but not exposed as a standalone official PDF in reviewed sources.

官方來源（保留來源用字）

• WATAMI Visa Card product page
• AEON Bonus Point Year Round Rewards
• AEON Bonus Point Credit Rebate Program
• AEON Cardholder Agreement
• AEON major terms and conditions of cardholder agreement
• AEON fee schedule and key facts statement

登記及適用資格

• Cardmembers are automatically enrolled in the free Membership Rewards Basic Program if no Membership Rewards enrolment option is specified.

上限及計算週期

• Turbo Program double points apply to the first HKD160,000 spent per program year; from HKD160,001 onward each HKD1 earns 1 point.

不適用交易

• Membership Rewards general terms exclude charges processed and billed before enrolment, American Express Card annual fee, Gold Card Draft, cash advance and other cash services, Travelers Cheque purchases, Gift Cheque or Travel Gift Certificate purchases, dishonoured cheque charges, finance charges, late payment and referral charges, overseas purchase tax refunds, tax bill payment and the payment portion under Points + $ redemption items.

年費、費用及申請資格

• KFS states retail purchase APR is 35.96% when the account is opened, subject to review; equivalent standard rate is 0.0985% per day.

未確認事項及記錄備註

• Product page also exposes an RCP_FnC link, but its KFS values are for American Express Card / Gold Card rather than the credit-card product; this profile uses GRCC_FnC because it matches the official credit-card annual fees shown on the product page.

官方來源（保留來源用字）

• American Express Credit Card product page
• American Express Credit Card / Gold Credit Card KFS and fees schedule
• American Express Hong Kong Membership Rewards Terms and Conditions

登記及適用資格

• Foreign currencies spend must be settled in a foreign currency other than Hong Kong dollars.

上限及計算週期

• No ongoing points cap was identified in the Essential Credit Card Membership Rewards T&C reviewed in this pass.

不適用交易

• Membership Rewards general terms exclude charges processed and billed before enrolment, American Express Card annual fee, Gold Card Draft, cash advance and other cash services, Travelers Cheque purchases, Gift Cheque or Travel Gift Certificate purchases, dishonoured cheque charges, finance charges, late payment and referral charges, overseas purchase tax refunds, tax bill payment and the payment portion under Points + $ redemption items.

年費、費用及申請資格

• KFS states retail purchase APR is 35.96% when the account is opened, subject to review; equivalent standard rate is 0.0985% per day.

未確認事項及記錄備註

• Essential has no annual fee but still uses Membership Rewards redemption mechanics, so ranking should value points only after user redemption preference is known.

官方來源（保留來源用字）

• American Express Essential Credit Card product page
• American Express Essential Credit Card KFS and fees schedule
• American Express Essential Credit Card Membership Rewards T&C
• American Express Essential Credit Card welcome offer T&C
• American Express Hong Kong Membership Rewards Terms and Conditions

登記及適用資格

• Foreign currencies spend must be settled in a currency other than Hong Kong dollars; dynamic-currency-conversion HKD transactions and online HKD transactions do not count as foreign-currency spend.

上限及計算週期

• Foreign Currencies and Travel Spend Offer is split into calendar quarters from 2026-01-02 to 2026-06-30.

不適用交易

• Membership Rewards general terms exclude charges processed and billed before enrolment, American Express Card annual fee, Gold Card Draft, cash advance and other cash services, Travelers Cheque purchases, Gift Cheque or Travel Gift Certificate purchases, dishonoured cheque charges, finance charges, late payment and referral charges, overseas purchase tax refunds, tax bill payment and the payment portion under Points + $ redemption items.

年費、費用及申請資格

• KFS states retail purchase APR is 35.96% when the account is opened, subject to review; equivalent standard rate is 0.0985% per day.

未確認事項及記錄備註

• Explorer is the Amex profile with the clearest high miles angle in the 2026 official terms, but the 10.75X route was refreshed on 2026-06-30 and still ends on 2026-06-30; the separate 5X selected-online-merchant route remains valid through 2026-12-31.

官方來源（保留來源用字）

• American Express Explorer Credit Card product page
• American Express Explorer Credit Card KFS and fees schedule
• American Express Explorer Credit Card benefits T&C
• American Express Explorer Credit Card 2026 Membership Rewards T&C
• American Express Explorer Credit Card welcome offer T&C
• American Express Hong Kong Membership Rewards Terms and Conditions

登記及適用資格

• Cardmembers are automatically enrolled in the free Membership Rewards Basic Program if no Membership Rewards enrolment option is specified.

上限及計算週期

• Turbo Program double points apply to the first HKD160,000 spent per program year; from HKD160,001 onward each HKD1 earns 1 point.

不適用交易

• Membership Rewards general terms exclude charges processed and billed before enrolment, American Express Card annual fee, Gold Card Draft, cash advance and other cash services, Travelers Cheque purchases, Gift Cheque or Travel Gift Certificate purchases, dishonoured cheque charges, finance charges, late payment and referral charges, overseas purchase tax refunds, tax bill payment and the payment portion under Points + $ redemption items.

年費、費用及申請資格

• KFS states retail purchase APR is 35.96% when the account is opened, subject to review; equivalent standard rate is 0.0985% per day.

未確認事項及記錄備註

• Do not use the separate RCP_FnC charge-card style KFS for this credit-card profile; the applicable reviewed KFS is GRCC_FnC for American Express Credit Card / Gold Credit Card.

官方來源（保留來源用字）

• American Express Gold Credit Card product page
• American Express Credit Card / Gold Credit Card KFS and fees schedule
• American Express Hong Kong Membership Rewards Terms and Conditions

登記及適用資格

• Program Period runs from January 1 to December 31 of each calendar year.

上限及計算週期

• 3-points-per-HKD1 base rate applies only to the first HKD120,000 spend per Program Period, equivalent to 360,000 Membership Rewards points.

不適用交易

• Membership Rewards general terms exclude charges processed and billed before enrolment, American Express Card annual fee, Gold Card Draft, cash advance and other cash services, Travelers Cheque purchases, Gift Cheque or Travel Gift Certificate purchases, dishonoured cheque charges, finance charges, late payment and referral charges, overseas purchase tax refunds, tax bill payment and the payment portion under Points + $ redemption items.

年費、費用及申請資格

• KFS states retail purchase APR is 35.96% when the account is opened, subject to review; equivalent standard rate is 0.0985% per day.

未確認事項及記錄備註

• Use points-per-HKD and redemption-value assumptions separately; product page conversion examples do not make Membership Rewards equivalent to fixed cash rebate.

官方來源（保留來源用字）

• American Express Platinum Credit Card product page
• American Express Platinum Credit Card KFS and fees schedule
• American Express Platinum Credit Card Membership Rewards Program T&C
• American Express Platinum Credit Card Double Points 2026 T&C
• American Express Platinum Credit Card welcome offer T&C
• American Express Hong Kong Membership Rewards Terms and Conditions

登記及適用資格

• Official product page says cash back is automatically credited to the account every month.

上限及計算週期

• No cap was identified on the 1.2% cash back earn rate in the official product-page and cash-back materials reviewed in this pass.

不適用交易

• Welcome T&C excludes cancelled, refunded, disputed or unposted transactions, annual fee, balance transfer, travellers cheque purchases, gift cheque or travel gift certificate purchases, dishonoured cheque charges, finance charges, late payment and referral charges, overseas purchase tax refunds, tax bill payment and utility gas/electricity payment.

年費、費用及申請資格

• KFS states retail purchase APR is 35.96% when the account is opened, subject to review; equivalent standard rate is 0.0985% per day.

未確認事項及記錄備註

• This is the only American Express profile in this batch with a fixed cash-back rate rather than Membership Rewards points.

官方來源（保留來源用字）

• Blue Cash Credit Card from American Express product page
• Blue Cash Credit Card KFS and fees schedule
• Blue Cash Credit Card Cardmember Agreement
• Blue Cash Credit Card welcome offer T&C
• Blue Cash Credit Card offers T&C

登記及適用資格

• Accelerator Program requires successful enrolment with the eligible card during the promotion period; enrolment is required once for the entire promotion period.

上限及計算週期

• Turbo Program additional 1 point applies to the first HKD160,000 eligible billed spend per Enrollment Year.

不適用交易

• Membership Rewards general terms exclude charges processed and billed before enrolment, American Express Card annual fee, Gold Card Draft, cash advance and other cash services, Travelers Cheque purchases, Gift Cheque or Travel Gift Certificate purchases, dishonoured cheque charges, finance charges, late payment and referral charges, overseas purchase tax refunds, tax bill payment and the payment portion under Points + $ redemption items.

年費、費用及申請資格

• KFS states retail purchase APR is 35.96% when the account is opened, subject to review; equivalent standard rate is 0.0985% per day.

未確認事項及記錄備註

• The Platinum Card is included because it is in the catalog, but its subtype is charge_card and it should not be treated as a normal low-fee revolving credit card recommendation.

官方來源（保留來源用字）

• The Platinum Card product page
• The Platinum Card KFS and fees schedule
• The Platinum Card benefit T&C
• The Platinum Card Membership Rewards Accelerator Program T&C
• The Platinum Card welcome offer T&C
• American Express Hong Kong Membership Rewards Terms and Conditions

登記及適用資格

• Wellness Bonus Point Programme runs 2026-01-01 to 2026-12-31.

上限及計算週期

• No cap was stated for AIA premium payment 1X, medical/live-well 3X or green/healthy 3X rewards in the reviewed feature terms.

不適用交易

• Unposted, cancelled, refunded and fraudulent transactions are ineligible.

年費、費用及申請資格

• KFS lists APR for retail purchase and cash advance for other BEA credit cards at 35.91% when the account is opened.

未確認事項及記錄備註

• AIA welcome offer starts on 2026-07-01, so it is not active on 2026-06-30.

官方來源（保留來源用字）

• BEA AIA Credit Card product page
• BEA AIA Credit Card welcome offer T&C
• BEA AIA Credit Card feature terms
• BEA AIA premium instalment popup

登記及適用資格

• Extra Reward requires monthly Basic Reward Eligible Transactions of HKD2,000.

上限及計算週期

• Extra Reward cap is HKD200 cash rebate per eligible account per calendar month.

不適用交易

• BEA master terms exclude cash advances, statement instalments, Cash in Hand, balance/fund transfers, most stored-value/e-wallet add-value, Cyberbanking bill payments, casino chips, fees, refunds/cancellations, EEA card-present transactions and insurance premium transactions from Basic Reward.

年費、費用及申請資格

• Official product page states first-year annual fee waiver.

未確認事項及記錄備註

• Refreshed official welcome offer terms on 2026-06-30; the HKD500 welcome offer is valid for 2026-07-01 through 2027-01-13.

官方來源（保留來源用字）

• BEA GOAL Credit Card product page
• BEA GOAL welcome offer T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS

登記及適用資格

• Student welcome gift is only applicable to a successful credit card application through online or designated mobile link.

上限及計算週期

• Extra Reward cap is HKD200 cash rebate per eligible account per calendar month.

不適用交易

• Same GOAL Basic Reward, Extra Reward and welcome-offer exclusions apply, including digital wallets, Octopus top-up, supermarkets, government departments, bill/tax payments, recurring/autopay, fees, unposted/refunded/fraudulent transactions and BEA-determined exclusions.

年費、費用及申請資格

• KFS lists Titanium Card / BEA GOAL Credit Card annual membership fee as HKD600 principal and HKD300 supplementary before waiver or if charged.

未確認事項及記錄備註

• Refreshed official welcome offer terms on 2026-06-30; the HKD300 student welcome offer is valid for 2026-07-01 through 2027-01-13.

官方來源（保留來源用字）

• BEA GOAL Student Credit Card product page
• BEA GOAL student welcome offer T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS

登記及適用資格

• JCB contactless promotion requires BEA Mall App registration and is limited to first 5,000 successful registered cardholders.

上限及計算週期

• JCB contactless promotion cap is HKD100 rebate per calendar month, HKD300 per phase and HKD600 across the whole 2026-04-01 to 2026-09-30 promotion.

不適用交易

• JCB contactless promotion excludes retail purchase instalments, cash advances, online/ATM bill payments, tax, recurring/autopay, Octopus top-up, digital wallets, fund transfers, prepaid-card purchase/recharge, insurance premiums, designated local ticket agents, government departments, mail/fax/telephone orders, Cash in Hand amounts, fees/charges, casino chips and unposted/cancelled/refunded/fraudulent transactions.

年費、費用及申請資格

• Official product page states first-year annual fee waiver.

未確認事項及記錄備註

• JCB contactless promotion remains relevant after 2026-06-30 because it runs until 2026-09-30.

官方來源（保留來源用字）

• BEA JCB Platinum Card product page
• BEA JCB Platinum welcome offer T&C
• BEA JCB local and Macau spending T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS

登記及適用資格

• Applicant must hold a valid SupremeGold Account.

上限及計算週期

• Bonus Point Reward extra points cap: 115,000 per eligible account per calendar month.

不適用交易

• Same BEA master-reward exclusions as BEA World Mastercard apply to Basic and Extra Rewards.

年費、費用及申請資格

• KFS note states annual fee waiver is applicable to BEA SupremeGold World Mastercard.

未確認事項及記錄備註

• Relationship maintenance condition should be surfaced before recommending this card.

官方來源（保留來源用字）

• BEA SupremeGold World Mastercard product page
• BEA SupremeGold World Mastercard new-customer offer T&C
• BEA SupremeGold World Mastercard existing-customer offer T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS

登記及適用資格

• Extra Reward promotional period reviewed as 2025-01-01 to 2026-12-31.

上限及計算週期

• Extra Reward cap is 100,000 bonus points per eligible account per calendar month.

不適用交易

• Basic Reward exclusions follow the BEA master-reward exclusions including cash advance, instalments, most stored-value/e-wallet add-value, Cyberbanking bill payments, fees, refunds/cancellations, EEA card-present transactions and insurance premium transactions.

年費、費用及申請資格

• KFS lists UnionPay Dual Currency Diamond annual membership fee as HKD1,800 principal and HKD900 supplementary before waiver or if charged.

未確認事項及記錄備註

• Product page has UnionPay-provided airport limousine and lounge links; those benefits are external UnionPay benefits and should not be converted to card cash rebate.

官方來源（保留來源用字）

• BEA UnionPay Dual Currency Diamond Card product page
• BEA UnionPay Diamond welcome offer T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS

登記及適用資格

• Ongoing rewards follow BEA UnionPay Dual Currency Diamond master reward terms.

上限及計算週期

• UnionPay Diamond Extra Reward cap is 100,000 bonus points per eligible account per calendar month.

不適用交易

• Same UnionPay Diamond Basic Reward, Extra Reward and welcome exclusions apply, including digital wallets, Octopus top-up, insurance premiums, supermarkets, government departments, recurring/autopay, fees, bill/tax payments, casino, unposted/refunded/fraudulent transactions and BEA-determined exclusions.

年費、費用及申請資格

• Official student product page states perpetual annual fee waiver.

未確認事項及記錄備註

• Recommendation UI should flag the official 2-month versus 3-month student welcome-spend-window conflict rather than promising a deterministic welcome deadline.

官方來源（保留來源用字）

• BEA UnionPay Diamond Student Credit Card product page
• BEA UnionPay Diamond Student welcome offer T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS

登記及適用資格

• Virtual welcome is only for customers who have not held a BEA Credit Card in the prior 6 months and never held a BEA Virtual Credit Card.

上限及計算週期

• Virtual-card details can be viewed up to 10 times through the designated link.

不適用交易

• Virtual-card welcome general exclusions follow BEA welcome-offer exclusions including BEA-determined eligible-spending rules, unposted/refunded/fraudulent transactions and account-validity requirements.

年費、費用及申請資格

• KFS fees depend on selected underlying physical card: World Mastercard HKD1,800/HKD900 or UnionPay Dual Currency Diamond HKD1,800/HKD900 before waiver or if charged.

未確認事項及記錄備註

• Ranking must first resolve which underlying card type the user is applying for; do not rank the virtual card as a third independent reward table.

官方來源（保留來源用字）

• BEA Virtual Card product page
• BEA Virtual Credit Card welcome offer T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS

登記及適用資格

• BEA Mall registration is required for the 12.5X Bonus Point Reward route; eligible spend is counted from the calendar month of successful registration.

上限及計算週期

• Bonus Point Reward extra points cap: 115,000 per eligible account per calendar month.

不適用交易

• Basic Reward exclusions include cash advances, statement instalments, Cash in Hand, balance/fund transfers, stored-value card or e-wallet purchase/add-value except PayMe/Octopus AAVS, Cyberbanking bill payments, casino chips, fees/charges, refunded/cancelled items, EEA card-present transactions and insurance premium transactions.

年費、費用及申請資格

• Official product page states first-year annual fee waiver.

未確認事項及記錄備註

• Refreshed official Mega Rewards T&C on 2026-06-30; it still states the promotional period is 2026-05-01 to 2026-06-30, so date-gate the issuer Mega Rewards route after that date.

官方來源（保留來源用字）

• BEA World Mastercard product page
• BEA World Mastercard welcome offer T&C
• BEA Credit Cards Privilege Services and Spending Reward T&C
• BEA Credit Card KFS
• BEA Own Your Mega Rewards T&C

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• HK GO extra 3X cap is 25,000 Gift Points per account per month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Recommendation engine must model day-of-month and payroll-service status.

官方來源（保留來源用字）

• BOC HK GO Credit Card detail page
• BOC HK GO up to 5X Gift Points terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Online transaction bucket cap is 100,000 Gift Points per card account per calendar month, including basic Gift Points.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• The promotion uses online and selected-online-merchant definitions controlled by BOCHK and Visa merchant/category coding.

官方來源（保留來源用字）

• BOC Bliss Card detail page
• BOC Bliss Card online reward offer terms
• BOC Bliss selected online merchant list
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Visa Infinite: dining and pets combined cap 100,000 Gift Points per month; travel cap 250,000 Gift Points per month; total monthly cap 300,000 Gift Points.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• The 10X / 8X reward period starts the day after this audit date; ranking must not apply these rates before 2026-07-01.

官方來源（保留來源用字）

• BOC Cheers Card detail page
• BOC Cheers Card promotion terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Promotion period: from now until 31 December 2026, based on transaction date.

上限及計算週期

• Gift Point component is listed as unlimited in the offer table.

不適用交易

• Excluded: e-wallet transactions including BoC Pay+, AlipayHK and WeChat Pay HK, Instant Rewards, Cash Before Cash, balance transfers, autopay, Octopus Add Value/Automatic Add Value, instalments including cash instalments, statement instalments, online bill payment instalments and unposted merchant instalments, annual fees, finance charges, arrangement fees, public utilities or bill payments including tax, telecom, membership fees, education/tuition, rental/utilities, online payment systems including PayPal or Alipay, stored-value-card or e-wallet purchase/reload, P2P fund transfer via mobile/app/electronic platform, gift delivery charges, financial/nonfinancial institution transactions including deposits, foreign currency, money transfer, speculation, insurance, mutual fund, stock monthly contribution and property purchase, casino/gambling, charity donations and non-profit organisations, transactions without sales slips, unauthorised transactions, and other categories defined by BOCHK at its sole discretion.

年費、費用及申請資格

• World Mastercard welcome offer HKD500 and Platinum Mastercard welcome offer HKD300 shown on official detail page; model separately from base rewards.

未確認事項及記錄備註

• BOCHK Chill has card-tier-specific rates; recommendation engine must know whether user holds World or Platinum tier before ranking.

官方來源（保留來源用字）

• BOC Chill Card detail page
• BOC Chill 10% / 5% cash rebate terms
• BOCHK credit card key facts statement

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Extra 2X component is capped at 25,000 Gift Points per cardholder per month; main and additional card spending can be combined.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• CMHK 3X is merchant-specific; do not apply to other telecom spending.

官方來源（保留來源用字）

• BOC CMHK Dual Currency Diamond Card detail page
• 3X Rewards Gift Points on CMHK Spending terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Product page says the 5X local dining and department store reward has no upper limit; no separate cap was found in the reviewed 2026 terms.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Monthly accumulated transaction amount for the 5X threshold includes local and / or overseas retail purchase and / or cash advance, but many non-retail and payment-like transactions are excluded.

官方來源（保留來源用字）

• BOC Esso World Mastercard detail page
• BOC Esso World Mastercard terms and conditions
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Selected Go merchant cash rebate cap is HKD100 per BOC Go Card account per calendar month, consisting of HKD92 cash rebate plus 2,000 Gift Points equivalent to HKD8.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Refreshed official BOC Go sources on 2026-06-30: the current main promotion PDF and upgraded mobile-payment T&C still end on 2026-06-30, while the product page footer says unless otherwise specified promotions run until 2026-12-31; keep promotional rates date-gated pending a refreshed detailed T&C after 2026-06-30.

官方來源（保留來源用字）

• BOC Go Card detail page
• BOC Go Card main promotion terms
• BOC Go Card Extra Gift Points on Mainland & Local Mobile Payment Transaction Promotion terms
• BOC Go selected merchant list
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• No reward cap was found for the reviewed 2026 VanGO 8X Gift Points terms, but merchant and BOCHK terms may change without prior notice.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Chinese 2026 terms were used because the English product-offer PDF available from the English page still contained a 2025 validity end date; Chinese version prevails if versions differ.

官方來源（保留來源用字）

• BOC GOOD DAY Platinum Card detail page
• BOC GOOD DAY Platinum Card year-round discount offer terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Discounted redemption promotion runs until 2026-12-31.

上限及計算週期

• Visa Signature extra 120,000 Gift Points can be earned once per BOC Henderson Club Visa Signature Card account in the 2026 promotion period.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Use card-specific 18,000 Gift Points = HKD100 value instead of BOCHK standard 25,000 Gift Points = HKD100 for this card.

官方來源（保留來源用字）

• BOC Henderson Club Visa Card detail page
• BOC Henderson Club Visa Card promotional offers terms
• BOC Henderson Club Visa Signature 120,000 Gift Points terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Birthday extra 1X cap is 25,000 Gift Points per month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Birthday reward is date-specific and should not drive general monthly recommendations.

官方來源（保留來源用字）

• BOC HKCEA Dual Currency Platinum Card detail page
• BOC HKCEA 2026 promotion terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• HKICPA fee settlement extra 1X cap is 25,000 Gift Points per card account per month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Double points are association-fee-specific and should not be applied to ordinary professional services spend.

官方來源（保留來源用字）

• BOC HKICPA Platinum Card detail page
• BOC HKICPA 2026 offers terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• 2% rebate applies during the reviewed HKMU offer period shown on the official terms page.

上限及計算週期

• Combined 2% cash rebate cap is HKD100 per card account per month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Tuition fee instalment is a financing/service benefit and should not be counted as rebate.

官方來源（保留來源用字）

• BOC HKMU Dual Currency Platinum Card detail page
• BOC HKMU Dual Currency Platinum Card offer terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Promotion period is 2026-01-01 to 2026-12-31.

上限及計算週期

• Online purchase rebate cap is HKD100 per card account per month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• QuickPass bucket only applies to the UnionPay Dual Currency Platinum variant.

官方來源（保留來源用字）

• BOC HKUST Platinum Card detail page
• BOC HKUST Platinum Card offer terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Product offer terms reviewed are valid until 2026-12-31.

上限及計算週期

• No general monthly FWC Points cap found in the reviewed product offer terms.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Refreshed official product offer terms on 2026-08-19; the current PDF states all listed offers are valid until 2026-12-31.

官方來源（保留來源用字）

• BOC Hong Kong Airlines Visa Card detail page
• BOC Hong Kong Airlines Visa Card product offer terms
• Hong Kong Airlines BOC Hong Kong Airlines Visa Card FWC partner page
• BOCHK credit card key facts statement

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• HA Staff Co-Op Shop extra points cap is 25,000 Gift Points per month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Reward engine must know whether card is World Mastercard or UnionPay Dual Currency Platinum before applying HA Staff Co-Op Shop rate.

官方來源（保留來源用字）

• BOC Hospital Authority Credit Card detail page
• BOC Hospital Authority 2026 offers terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Sa Sa mobile-payment cash rebate cap is HKD100 per card account per calendar month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• The 5% discount and 5% cash rebate are different benefit mechanics; avoid double counting against net price unless the ranking engine models merchant discount separately.

官方來源（保留來源用字）

• BOC SaSa Dual Currency Credit Card detail page
• BOC SaSa Dual Currency Credit Card product offer terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• No card-specific ongoing bonus cap found in the product page and downloaded welcome terms.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Rankable only for base earning; no ongoing special category reward should be inferred.

官方來源（保留來源用字）

• BOC Shue Yan University Credit Card detail page
• BOC Shue Yan University Credit Card welcome terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Product page describes the year-round SOGO 5% cashback offer as uncapped; no separate cap was found in the reviewed SOGO 5% terms.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Chinese card-specific terms were used because this SOGO microsite redirects to Chinese content; Chinese version prevails if terms differ.

官方來源（保留來源用字）

• BOC SOGO Visa Card detail page
• BOC SOGO Visa Card terms
• BOC SOGO merchant list
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Taobao handling fee waiver terms state no limitation on the number of waivers during the promotion period.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Do not rank Mastercard Travel Rewards as a fixed rate; participating merchant and Mastercard platform data must be current.

官方來源（保留來源用字）

• BOC Taobao World Mastercard detail page
• BOC Taobao World Mastercard promotional offer terms
• Mastercard Travel Rewards program terms for BOC World Mastercard
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• No explicit monthly points cap was found in the reviewed 3X local spending terms.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Rate should apply only after the HKD15,000 monthly threshold is satisfied.

官方來源（保留來源用字）

• BOC UnionPay Dual Currency Diamond Card detail page
• BOC UnionPay Dual Currency Diamond Card 3X local spending terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Reviewed 2X overseas transaction terms state no cap and no minimum spending requirement.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• This is a commercial card; do not mix into personal-card ranking unless business-card use is requested.

官方來源（保留來源用字）

• BOC UnionPay Dual Currency Commercial Platinum Card detail page
• BOC UnionPay Dual Currency Commercial Platinum Card 2X overseas terms
• BOC UnionPay Dual Currency Commercial fee schedule
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• Reviewed 3X dining/overseas terms state no cap and no minimum spending requirement.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• This is a commercial card; do not mix into personal-card ranking unless business-card use is requested.

官方來源（保留來源用字）

• BOC Visa Infinite Business Card detail page
• BOC Visa Infinite Business Card 3X Gift Points terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• No card-specific ongoing bonus cap found in the product page and downloaded commercial card terms.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Rankable only as a base commercial Gift Points card.

官方來源（保留來源用字）

• BOC Visa Platinum Business Card detail page
• BOC Commercial Card Visa fee schedule
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• 4% mobile payment promotion runs from 2026-07-01 to 2026-12-31, based on transaction date.

上限及計算週期

• Each card account, main and additional card combined, is capped at HKD100 cash rebate per calendar month.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Chiyu Banking Corporation official credit-card page links to this BOCHK / BOC Credit Card (International) issued CYB card.

官方來源（保留來源用字）

• CYB Dual Currency Diamond Card product page
• BOC Dual Currency Card 4% Cash Rebate Offer T&C
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• 10X dining promotion runs from 2026-01-01 to 2026-12-31, based on eligible dining transactions.

上限及計算週期

• Including basic Gift Points, each eligible CYB Visa Infinite card account is capped at 125,000 Gift Points per calendar month for the 10X dining offer, equal to HKD500 at 25,000 Gift Points = HKD100.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Chiyu Banking Corporation official credit-card page links to this BOCHK / BOC Credit Card (International) issued CYB card.

官方來源（保留來源用字）

• CYB Visa Infinite Card product page
• CYB Visa Infinite 10X dining / lounge terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Promotion period runs from 2026-01-01 to 2026-12-31, based on transaction date.

上限及計算週期

• No monthly extra Gift Points cap was found in the reviewed CYB World Mastercard dining and department-store T&C.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Chiyu Banking Corporation official credit-card page links to this BOCHK / BOC Credit Card (International) issued CYB card.

官方來源（保留來源用字）

• CYB World Mastercard product page
• CYB World Mastercard dining and department store terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Reviewed BOCHK product pages and promotion terms commonly define base reward as 1 Gift Point per HKD1 eligible spending.

上限及計算週期

• 5% cash rebate cap is HKD100 per month per card account.

不適用交易

• Common BOCHK promotion exclusions include e-wallet transactions such as BoC Pay+, AlipayHK and WeChat Pay HK unless the offer specifically includes a selected mobile payment wallet.

年費、費用及申請資格

• KFS states retail purchase interest rate is 32% per annum, with maximum retail purchase APR 35.70%; delinquent APR example can reach 35.94%.

未確認事項及記錄備註

• Merchant benefits such as Sinopec and cinema discounts should be modelled separately from the 5% rebate.

官方來源（保留來源用字）

• GBA Youth Card detail page
• GBA Youth Card promotional offer terms
• BOCHK credit card key facts statement
• BOCHK Gift Point Rewards page

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• AIA welcome gifts reviewed for 2026-01-01 to 2026-06-30, ending on the 2026-06-30 last-checked date.

未確認事項及記錄備註

• AIA welcome offer is date-sensitive because the reviewed period ends on 2026-06-30.

官方來源（保留來源用字）

• CCB Asia AIA Mastercard Credit Card product page
• CCB Asia AIA Credit Card welcome gifts terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• AIA welcome gifts reviewed for 2026-01-01 to 2026-06-30, ending on the 2026-06-30 last-checked date.

未確認事項及記錄備註

• AIA welcome offer is date-sensitive because the reviewed period ends on 2026-06-30.

官方來源（保留來源用字）

• CCB Asia AIA UnionPay Diamond Credit Card product page
• CCB Asia AIA Credit Card welcome gifts terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• AIA welcome gifts reviewed for 2026-01-01 to 2026-06-30, ending on the 2026-06-30 last-checked date: HKD800 cash rebate via eligible premium instalment or Chill instalment, AIA Vitality annual fee rebate, or HKD300 cash rebate option.

未確認事項及記錄備註

• AIA welcome offer is date-sensitive because the reviewed period ends on 2026-06-30.

官方來源（保留來源用字）

• CCB Asia AIA Visa Credit Card product page
• CCB Asia AIA Credit Card welcome gifts terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• KFS states Construction Industry UnionPay Dual Currency Credit Card retail purchase and cash advance APR are 19.56%.

未確認事項及記錄備註

• This profile is rankable only for users who match the construction worker eligibility and spend in the designated construction-fee categories.

官方來源（保留來源用字）

• CCB Asia Construction Industry UnionPay Dual Currency Credit Card product page
• CCB Asia Construction Industry Extra Bonus Point Rewards Programme terms
• CCB Asia Construction Industry welcome gift terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Welcome offer shown on product page is up to HKD800 cash rebate for eligible new principal card applications, subject to separate welcome terms.

未確認事項及記錄備註

• Rechecked the live eye Credit Card page and official FAQ on 2026-08-30; the current 11% programme still runs from 2026-07-01 to 2026-09-30 with three monthly phases.

官方來源（保留來源用字）

• CCB Asia eye Credit Card product page
• CCB Asia eye Credit Card cash rebate terms previous phase
• CCB Asia eye Credit Card Extra Bonus Point Rewards terms
• CCB Asia eye Credit Card 11% rebate FAQ
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Application is through CCB HK and MO mobile app and requires mobile device identity verification.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Common Bonus Points Terms exclude CCB Asia GBA Virtual UnionPay Credit Card from eligible Bonus Points credit card coverage.

年費、費用及申請資格

• Product page states supplementary card and ATM cash advance are not applicable to the Virtual Card.

未確認事項及記錄備註

• Do not rank this card for reward earn rate until CCB Asia publishes a current reward formula for the GBA Virtual card.

官方來源（保留來源用字）

• CCB Asia GBA Virtual UnionPay Credit Card product page
• CCB Asia GBA Virtual UnionPay Credit Card user guide
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Product page states AAVS reload amount can be HKD500 or HKD250.

未確認事項及記錄備註

• This profile is cash-rebate rankable but not miles-rankable because the common Bonus Points Terms exclude this card from Asia Miles redemption.

官方來源（保留來源用字）

• CCB Asia Octopus UnionPay Dual Currency Credit Card product page
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Product page states Mainland China spending is settled in RMB while Hong Kong and overseas spending is settled in HKD.

未確認事項及記錄備註

• Pui Ching school and alumni affinity privileges are not converted into cash-equivalent rebate unless a deterministic conversion is available.

官方來源（保留來源用字）

• CCB Asia Pui Ching UnionPay Dual Currency Credit Card product page
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Welcome offer reviewed for applications from 2026-07-01 to 2026-09-30: HKD800 cash rebate for eligible Chill instalment or HKD600 cash rebate for HKD6,000 eligible spending, subject to terms.

未確認事項及記錄備註

• TRAVO promotional rates were refreshed against the current official page and TRAVO Rewards terms on 2026-08-19.

官方來源（保留來源用字）

• CCB Asia TRAVO Mastercard product page
• CCB Asia TRAVO Rewards terms
• CCB Asia TRAVO Mastercard welcome gifts terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Product page states first card membership year annual fee waiver.

未確認事項及記錄備註

• The common ordinary 2-year Bonus Point expiry does not apply to Diamond Prestige; card-specific perpetual point terms prevail.

官方來源（保留來源用字）

• CCB Asia UnionPay Diamond Prestige Credit Card product page
• CCB Asia UnionPay Diamond Prestige Credit Card terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Welcome offer reviewed on product page: HKD800 cash rebate for eligible Chill instalment or HKD300 cash rebate for HKD6,000 eligible spending, subject to terms.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CCB Asia UnionPay Dual Currency Credit Card product page
• CCB Asia UnionPay Dual Currency welcome gifts terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Product page states annual fee waiver for Premier Banking customers with HKD1,000,000 minimum total relationship balance, Private Wealth customers with HKD8,000,000 and Private Banking customers with HKD25,000,000.

未確認事項及記錄備註

• Elite 8-points-per-mile route should be ranked only for cardholders who meet the Premier or selected-customer eligibility.

官方來源（保留來源用字）

• CCB Asia Visa Infinite Credit Card product page
• CCB Asia Visa Infinite Credit Card terms
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Product page states Bonus Points are valid up to 2 years.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CCB Asia Visa Platinum Credit Card product page
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• Eligible credit-card transactions include posted credit card transactions and interest-free instalment plan transactions unless card-specific terms say otherwise.

上限及計算週期

• Bonus points on insurance-company payments, CCB Asia hire-purchase or leasing repayment and online bill payments paid by credit card are capped each calendar year at 1 time of the latest approved permanent combined credit limit.

不適用交易

• Bonus Points Reward Programme exclusions include cash advance, electronic fund transfer via credit card, Cash Out Installment Programme, Chill Spending Installment Programme, finance charges, late charges, fees and charges.

年費、費用及申請資格

• Auto loan autopay with this card can earn Bonus Points according to product page.

未確認事項及記錄備註

• This profile is cash-rebate rankable but not miles-rankable because the common Bonus Points Terms exclude this card from Asia Miles redemption.

官方來源（保留來源用字）

• CCB Asia Octopus Auto Living UnionPay Diamond Credit Card product page
• CCB Asia Bonus Points Reward Programme page
• CCB Asia Bonus Points Reward Programme terms effective 2026-01-01
• CCB Asia Credit Card Key Facts Statement

登記及適用資格

• PhoenixMiles membership is required and points are automatically converted monthly.

上限及計算週期

• Monthly maximum bonus points equals the cardmember credit limit.

不適用交易

• Mileage exclusions include balance transfers, repayments, handling fees or charges of Cash-in, Dollar$mart, Statement Balance, Non-Conventional and Flexi-Tax installment plans, unit trust or monthly investment contributions, Inland Revenue Department payments, finance fees, annual fees, casino chips, banking charges and unposted, cancelled, refunded or invalid transactions.

年費、費用及申請資格

• Air China Dual Currency is excluded from the CNCBI Dual Currency Cash Rebate Rewards Program.

未確認事項及記錄備註

• Rank as a miles card, not a cash rebate card.

官方來源（保留來源用字）

• CNCBI Air China Dual Currency Credit Card product page
• CNCBI Air China Dual Currency Credit Card Mileage Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Dual Currency cash rebate applies to CNCBI Dual Currency Credit Cards except the CNCBI Air China Dual Currency Credit Card.

上限及計算週期

• 4% program cap is HKD100 per transaction and HKD500 per calendar month.

不適用交易

• Common cash rebate exclusions include balance transfers, Cash-in Programs, Dollar$mart, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Plan.

年費、費用及申請資格

• Product page states the card is exclusive to CITICdiamond customers and has perpetual annual fee waiver.

未確認事項及記錄備註

• Official up to 4% Cash Rebate on Mobile Wallet and Renminbi Spending T&C checked on 2026-08-19 now runs from 2026-07-01 to 2026-12-31 and is relationship-gated to CITICdiamond customers.

官方來源（保留來源用字）

• CNCBI CITICdiamond UnionPay Dual Currency Credit Card product page
• CNCBI CITICdiamond UnionPay Dual Currency Credit Card up to 4% Cash Rebate on Mobile Wallet and RMB Spending T&C
• CNCBI Dual Currency Credit Card Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Cash rebate is credited to the relevant card account and can only offset new eligible retail purchase transactions, not outstanding balances.

上限及計算週期

• Monthly cash rebate cap is credit limit multiplied by 0.4%.

不適用交易

• Common cash rebate exclusions include balance transfers, Cash-in Programs, Dollar$mart, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Plan.

年費、費用及申請資格

• Product page states perpetual annual fee waiver.

未確認事項及記錄備註

• Old commented product-page promotional copy is not modelled; the rankable reward is the common 0.4% cash rebate terms.

官方來源（保留來源用字）

• CNCBI CITICfirst Platinum Card product page
• CNCBI Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Designated merchants include DCH Food Mart, DCH Food Mart Deluxe, DCH Living online shopping platform, specified Dah Chong Hong motor service and used-car merchants, Hong Kong Motor Club eShop, Bentley Hong Kong, Honda Hong Kong, Nissan Hong Kong and specified electronics merchants.

上限及計算週期

• Monthly maximum extra bonus points under the 15X program is 200,000.

不適用交易

• Modern promotional terms commonly exclude WeChat Pay, WeChat Pay HK, Alipay, AlipayHK, PayMe and FPS transactions unless the offer expressly includes a specified wallet route.

年費、費用及申請資格

• KFS reviewed on 2026-06-30 states interest-free period is up to 57 days and does not apply to cash advances.

未確認事項及記錄備註

• Rankable for points earning, but not for cash-equivalent optimization until a clean redemption value table is added.

官方來源（保留來源用字）

• CNCBI DCH Living Mastercard product page
• CNCBI DCH Living Mastercard 15X Bonus Points Program T&C
• CNCBI DCH Living Mastercard Bonus Points Redemption Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Dual Currency cash rebate applies to CNCBI Dual Currency Credit Cards except the CNCBI Air China Dual Currency Credit Card.

上限及計算週期

• Monthly base cash rebate cap is combined credit limit multiplied by 0.4%.

不適用交易

• Common cash rebate exclusions include balance transfers, Cash-in Programs, Dollar$mart, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Plan.

年費、費用及申請資格

• Product page states first-year annual fee waiver.

未確認事項及記錄備註

• Refreshed official GBA 10% terms on 2026-06-30; promotional rows are rankable for 2026-07-01 through 2026-12-31.

官方來源（保留來源用字）

• CNCBI GBA Dual Currency Credit Card product page
• CNCBI GBA Dual Currency Credit Card up to 10% Cash Rebate on RMB and UnionPay App Program T&C
• CNCBI Dual Currency Credit Card Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• FWC membership is required for mileage crediting and points are only redeemable as FWC points, not cash, coupons, gifts or rebate.

上限及計算週期

• Monthly maximum bonus points under the base rewards program equals the cardmember credit limit.

不適用交易

• Modern promotional terms commonly exclude WeChat Pay, WeChat Pay HK, Alipay, AlipayHK, PayMe and FPS transactions unless the offer expressly includes a specified wallet route.

年費、費用及申請資格

• KFS reviewed on 2026-06-30 states interest-free period is up to 57 days and does not apply to cash advances.

未確認事項及記錄備註

• Official As Low As HKD2 = 1 FWC Point Program T&C checked on 2026-08-19 now runs from 2026-07-01 to 2026-12-31.

官方來源（保留來源用字）

• CNCBI Hong Kong Airlines Mastercard product page
• CNCBI Hong Kong Airlines Mastercard Rewards Program T&C
• CNCBI Hong Kong Airlines Mastercard As Low As HKD2 = 1 FWC Point Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Eligible merchant spending is limited to JD App, JD Mall Hong Kong and Kai Bo Food Supermarket as defined in the promotional terms.

上限及計算週期

• 4% JD Group merchant rebate cap is HKD200 per month.

不適用交易

• Common cash rebate exclusions include balance transfers, Cash-in Programs, Dollar$mart, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Plan.

年費、費用及申請資格

• KFS reviewed on 2026-06-30 states interest-free period is up to 57 days and does not apply to cash advances.

未確認事項及記錄備註

• Promotion started on 2026-06-29, so it is active on the 2026-06-30 review date and runs to 2026-12-31 unless changed.

官方來源（保留來源用字）

• CNCBI JD Mastercard product page
• CNCBI JD Mastercard Promotional Program T&C
• CNCBI Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• 2.5% promotion applies to principal cardmembers and posted eligible retail transactions, cash advance, mail order and phone order during the promotion period.

上限及計算週期

• Monthly base cash rebate cap is credit limit multiplied by 0.4%.

不適用交易

• Common cash rebate exclusions include balance transfers, Cash-in Programs, Dollar$mart, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Plan.

年費、費用及申請資格

• Product page states annual fee is HKD3,800.

未確認事項及記錄備註

• Official 2.5% Cash Rebate Rewards Program T&C checked on 2026-08-19 now runs from 2026-07-01 to 2026-12-31.

官方來源（保留來源用字）

• CNCBI Jewel World Elite Mastercard product page
• CNCBI Jewel World Elite / World Mastercard 0.4% Cash Rebate Rewards Program T&C
• CNCBI Jewel World Elite Mastercard 2.5% Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• 1.5% promotion requires successful monthly salary disbursement of HKD12,000 or above via Automated Payroll Payments to a PAYROLLplus Account registered on or after 2024-10-01.

上限及計算週期

• Monthly base cash rebate cap is credit limit multiplied by 0.4%.

不適用交易

• Common cash rebate exclusions include balance transfers, Cash-in Programs, Dollar$mart, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Plan.

年費、費用及申請資格

• Product page and KFS list World card annual fee tier as HKD2,000 principal and HKD1,000 supplementary before waiver or if charged.

未確認事項及記錄備註

• Official 1.5% Cash Rebate Rewards Program T&C checked on 2026-08-19 now runs from 2026-07-01 to 2026-12-31 and is salary-payroll gated.

官方來源（保留來源用字）

• CNCBI Jewel World Mastercard product page
• CNCBI Jewel World Elite / World Mastercard 0.4% Cash Rebate Rewards Program T&C
• CNCBI Jewel World Mastercard 1.5% Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Cash rebate is credited to the relevant card account and can only offset new eligible retail purchase transactions, not outstanding balances.

上限及計算週期

• Monthly eligible retail spending threshold is HKD3,800 before dining/online extra rebate entitlement.

不適用交易

• Modern promotional terms commonly exclude WeChat Pay, WeChat Pay HK, Alipay, AlipayHK, PayMe and FPS transactions unless the offer expressly includes a specified wallet route.

年費、費用及申請資格

• KFS reviewed on 2026-06-30 states interest-free period is up to 57 days and does not apply to cash advances.

未確認事項及記錄備註

• Reviewed product-page foreign-currency copy includes older dated material and is not modelled as current reward.

官方來源（保留來源用字）

• CNCBI Motion Credit Card product page
• CNCBI Motion Credit Card 6% Cash Rebate on Dining and Online Spending Program T&C
• CNCBI Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Cash rebate is credited to the relevant card account and can only offset new eligible retail purchase transactions, not outstanding balances.

上限及計算週期

• Monthly eligible retail spending threshold is HKD3,800 before dining/online extra rebate entitlement.

不適用交易

• Modern promotional terms commonly exclude WeChat Pay, WeChat Pay HK, Alipay, AlipayHK, PayMe and FPS transactions unless the offer expressly includes a specified wallet route.

年費、費用及申請資格

• KFS states Motion Credit Card virtual annual membership fee is HKD1,800 and cash advance APR is not applicable.

未確認事項及記錄備註

• Official Motion 6% Cash Rebate T&C checked on 2026-08-19 now runs from 2026-07-01 to 2026-12-31.

官方來源（保留來源用字）

• CNCBI Motion Credit Card virtual product page
• CNCBI Motion Credit Card 6% Cash Rebate on Dining and Online Spending Program T&C
• CNCBI Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• Cash rebate is credited to the relevant card account and can only offset new eligible retail purchase transactions, not outstanding balances.

上限及計算週期

• Monthly cash rebate cap is the lower of credit limit multiplied by 0.4% or the rebate on HKD100,000 eligible transactions in the month.

不適用交易

• Common cash rebate exclusions include balance transfers, Cash-in Programs, Dollar$mart, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Plan.

年費、費用及申請資格

• Product page states first-year annual fee waiver.

未確認事項及記錄備註

• Old first-year high-rebate copy on the reviewed product HTML appears dated/commented and is not modelled as current.

官方來源（保留來源用字）

• CNCBI VISA Platinum Card product page
• CNCBI Cash Rebate Rewards Program T&C
• CNCBI credit card key facts statement and fees
• CNCBI Credit Card Cardmember Agreement
• CNCBI credit card agreement highlights and general terms

登記及適用資格

• First 2-year annual fee waiver is shown on the corporate card page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude tax payments, cash advance, casino transactions, online bill payments, installment payments, credit card annual fees, interest / finance / service charges, late charges, falsified, cancelled, indemnified or refunded transactions, donations and other transactions designated by the bank.

年費、費用及申請資格

• Corporate card cash advance fees are referenced to the Credit Card Charges Table; full corporate fee schedule requires review.

未確認事項及記錄備註

• Rankable for business-card cashback only; exclude from consumer-card recommendations unless business-card use is requested.

官方來源（保留來源用字）

• Chong Hing Corporate Credit Cards product page

登記及適用資格

• First 2-year annual fee waiver is shown on the corporate card page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude tax payments, cash advance, casino transactions, online bill payments, installment payments, credit card annual fees, interest / finance / service charges, late charges, falsified, cancelled, indemnified or refunded transactions, donations and other transactions designated by the bank.

年費、費用及申請資格

• Corporate card cash advance fees are referenced to the Credit Card Charges Table; full corporate fee schedule requires review.

未確認事項及記錄備註

• Rankable for business-card cashback only; exclude from consumer-card recommendations unless business-card use is requested.

官方來源（保留來源用字）

• Chong Hing Corporate Credit Cards product page

登記及適用資格

• Points are valid for a maximum of three years according to the Point-to-Gift page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep card-specific cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing Credit Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Points are valid for a maximum of three years according to the Point-to-Gift page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF metadata reviewed but fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep card-specific cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing Platinum Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points
• Chong Hing Credit Card Key Facts Statement

登記及適用資格

• Student card is restricted to local tertiary institution student applicants according to product title.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep student-card cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing student credit cards product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Points are valid for a maximum of three years according to the Point-to-Gift page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep card-specific cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing Platinum Mastercard / Titanium Mastercard product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Points are valid for a maximum of three years according to the Point-to-Gift page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep card-specific cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing Platinum Mastercard / Titanium Mastercard product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Student card is restricted to local tertiary institution student applicants according to product title.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Student page states 2.3% monthly preferential interest rate offer, equivalent to 27.6% per annum, with APRs for unsettled retail purchases and cash advances at 30.29% and 33.36% respectively.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep student-card cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing student credit cards product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Points are valid for a maximum of three years according to the Point-to-Gift page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep card-specific cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing UnionPay Credit Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Student card is restricted to local tertiary institution student applicants according to product title.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep student-card cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing student credit cards product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Points are valid for a maximum of three years according to the Point-to-Gift page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• UnionPay Dual Currency Gold principal and supplementary cardholders can enjoy perpetual annual fee waiver according to the Chong Hing Credit Card page.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep card-specific cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing UnionPay Credit Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Points are valid for a maximum of three years according to the Point-to-Gift page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Eligible transactions exclude cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, purchase or reload of stored value cards or e-wallets, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, transactions at charitable organizations and other transactions designated by the bank.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning and redemption mechanics; keep card-specific cash rebate participation and fee-table details as caveats.

官方來源（保留來源用字）

• Chong Hing Credit Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points
• Chong Hing Credit Card Key Facts Statement

登記及適用資格

• Card is specially for personal, corporate and association members of HKCCCC according to product page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Donation spending excludes cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, stored-value-card or e-wallet purchase/reload, instalment payments, credit card annual fees, interest / finance / service charges, late charges, falsified, cancelled, indemnified or refunded transactions, charitable organization transactions and other bank-designated transactions.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning plus official co-brand donation mechanics; do not treat association donation as cardholder cash rebate.

官方來源（保留來源用字）

• Hong Kong Chiu Chow Chamber of Commerce Visa Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Card is specially for personal, corporate and association members of HKCCCC according to product page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Donation spending excludes cash advances, tax payments, casino transactions, Chong Hing Bank online bill payments, stored-value-card or e-wallet purchase/reload, instalment payments, credit card annual fees, interest / finance / service charges, late charges, falsified, cancelled, indemnified or refunded transactions, charitable organization transactions and other bank-designated transactions.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning plus official co-brand donation mechanics; do not treat association donation as cardholder cash rebate.

官方來源（保留來源用字）

• Hong Kong Chiu Chow Chamber of Commerce Visa Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Co-branded cards are excluded from the Cash Rebate Scheme according to the cash rebate page.

上限及計算週期

未有完整記錄，請查看官方條款；唔代表冇限制。

不適用交易

• Donation spending excludes cash advances, tax payments, Octopus Automatic Add-Value reloads, casino transactions, Chong Hing Bank online bill payments, stored-value-card or e-wallet purchase/reload, instalment payments, credit card annual fees, interest / finance / service charges, late payment charges, falsified, cancelled, indemnified or refunded transactions, charitable organization transactions and other bank-designated transactions.

年費、費用及申請資格

• Product page links Chong Hing Credit Card Key Facts Statement; PDF fee table requires visual review before rankable fee modelling.

未確認事項及記錄備註

• Rankable on reviewed Point-to-Gift earning plus official co-brand donation mechanics; do not treat association donation as cardholder cash rebate.

官方來源（保留來源用字）

• Wah Yan One Family Visa Platinum Card product page
• Chong Hing Point-to-Gift / Cash Rebate Spending Reward Schemes
• Chong Hing Point-to-Gift redemption items by points

登記及適用資格

• Local dining transactions must be HKD transactions at Hong Kong dining outlets classified as restaurants or dining merchants by the relevant card association.

上限及計算週期

• Official product schema says automatic rebate with no cap; no separate cap was found in the extracted rebate programme text.

不適用交易

• Ineligible transactions include FPS services, cash advances, balance-transfer and loan amounts, selected installment programmes, tax payment, selected online bill or utility payments, insurance transactions, charity/non-profit transactions, mutual fund payments and securities transactions.

年費、費用及申請資格

• Citi fee schedule lists Citi Cash Back Card annual membership fee together with Citi PremierMiles in the downloaded KFS/fee schedule.

未確認事項及記錄備註

• Dining and hotel classification depend on merchant category coding, so recommendation output must retain MCC caveats.

官方來源（保留來源用字）

• Citi Cash Back Card product page and rebate programme terms
• Citi credit card fee schedule
• Citi terms and conditions index

登記及適用資格

• Cash Rebate Program applies from 2013-09-27 until further notice under the reviewed product-page terms.

上限及計算週期

• Online Spending Cash Rebate applies only to the first HKD10,000 or equivalent foreign currencies of eligible online transactions every statement cycle.

不適用交易

• Ineligible transactions include FPS services, cash advances, Balance Transfer Program, Cash Conversion Program, FlexiBill, PayLite and Quick Cash installment programs, Inland Revenue Department payments, online bill payment or utilities bill via internet banking or online payment system, insurance transactions, charity/non-profit transactions, mutual funds payment, fees and charges, casino transactions, unposted/cancelled/refunded transactions, unauthorized transactions and fraud or abuse transactions.

年費、費用及申請資格

• Fee schedule effective 2025-12-01 lists Citi Clear Card annual membership fee as HKD300 for principal card and HKD150 for supplementary card.

未確認事項及記錄備註

• Citi Clear should be date-checked periodically because its product terms are listed as until further notice rather than a fixed end date.

官方來源（保留來源用字）

• Citi Clear Card product page
• Citi credit card fee schedule

登記及適用資格

• The 5% HKTVmall discount is limited to purchases on Thursdays using the Citi HKTVmall Card Payment Channel and the relevant coupon code.

上限及計算週期

• 5X Monday bonus points are subject to a maximum of 50,000 bonus Points per eligible card account per statement cycle based on the reviewed product-page terms.

不適用交易

• HKTVmall 5% discount exclusions include HKTVmall e-Gift Vouchers, Stage 1 milk powder, Apple products, iTunes gift cards, online game vouchers, 999 gold items and logistics goods, with HKTVmall reserving the right to update exclusions.

年費、費用及申請資格

• Official product page eligibility: minimum annual income HKD120,000 and age 18 or older.

未確認事項及記錄備註

• The 5% HKTVmall benefit is an instant discount with merchant exclusions, not universal cashback.

官方來源（保留來源用字）

• Citi HKTVmall Card product page
• Citi credit card fee schedule
• Citi ThankYou Rewards page

登記及適用資格

• Registration is required once through the designated registration page, SMS or Citi Mobile App within the promotion period.

上限及計算週期

• 15% fare rebate tier requires monthly eligible transactions of HKD4,000 or above and is capped at HKD300 per designated credit card account per month.

不適用交易

• Promotion ineligible transactions include dynamic currency conversion transactions, Octopus AAVS, Octopus Add Value through mobile payment, Balance Transfer Program, Cash Conversion Program, FlexiBill, PayLite, Quick Cash, PayAll, Inland Revenue Department payments, bill payments, utilities payments, autopay and recurring transactions, mutual funds payment, fees and charges, insurance transactions, casino transactions, unposted/cancelled/refunded transactions, unauthorized transactions and fraud or abuse transactions.

年費、費用及申請資格

• Official product page eligibility: minimum annual income HKD120,000, waived for student card application; age 18 or older; HKID holder.

未確認事項及記錄備註

• The 15%/5% promotion is date-gated to 2026-08-31 and requires registration, so default ranking must not apply it after expiry without refresh.

官方來源（保留來源用字）

• Citi Octopus Card product page
• Citi Octopus Credit Card FAQ
• Citi credit card fee schedule

登記及適用資格

• Online Transactions must have official payment records and be classified as online transactions by relevant card-association or acquiring-bank merchant codes or transaction types.

上限及計算週期

• Bonus Points are capped at 50,000 Points per eligible card account per statement cycle, inclusive of Online Bonus Points and Fitness Bonus Points.

不適用交易

• Ineligible transactions include FPS services, cash advances, Balance Transfer Program, Cash Conversion Program, FlexiBill, PayLite and Quick Cash installment programs, Inland Revenue Department payments, online bill payment or utilities bill via internet banking or online payment system, insurance transactions, charity/non-profit transactions, mutual funds payment, fees and charges, casino transactions, unposted/cancelled/refunded transactions, unauthorized transactions and fraud or abuse transactions.

年費、費用及申請資格

• Official product page eligibility: minimum annual income HKD120,000 or minimum HKD80,000 in Citi Plus banking account; age 18 or older; applicable to Citi Plus account holders only.

未確認事項及記錄備註

• Citi Plus Points value is not normalized into cash because redemption choices and conversion ratios vary through Citi ThankYou Rewards.

官方來源（保留來源用字）

• Citi Plus Credit Card product page
• Citi Plus selected customer welcome rewards T&C
• Citi credit card fee schedule

登記及適用資格

• The HKD20,000 threshold counts total eligible transactions, including both local and overseas transactions, in one statement cycle.

上限及計算週期

• No base earn cap was identified in the reviewed PremierMiles page terms.

不適用交易

• Eligible Transactions exclude FPS services, cash advances, Balance Transfer Program, Cash Conversion Program, FlexiBill, PayLite and Quick Cash installment programs, Inland Revenue Department payments, online bill payment or utilities bill via internet banking or online payment system, insurance transactions, charity or non-profit transactions, mutual funds payment, fees and charges, casino transactions, unposted/cancelled/refunded transactions, unauthorized transactions and fraud or abuse transactions.

年費、費用及申請資格

• Official product page eligibility: minimum annual income HKD120,000 and age 18 or older.

未確認事項及記錄備註

• Miles value is not normalized into cash; recommendation scoring needs a user-supplied or product-owned mile valuation.

官方來源（保留來源用字）

• Citi PremierMiles Card product page
• Citi ThankYou Rewards page
• Citi credit card fee schedule
• Citi PremierMiles / Cash Back / Plus purchase protection factsheet

登記及適用資格

• Only principal cardholders are eligible for Points redemption unless otherwise specified.

上限及計算週期

• No base earn cap was identified for the HKD6/HKD4 miles earn rates in the reviewed Citi Prestige terms.

不適用交易

• Invalid transactions not eligible for Points include cash advances, fees and charges, withdrawal amount under Balance Transfer Program, Cash Conversion Program and Quick Cash Installment Program, Inland Revenue Department payments, casino transactions, online bill payment, insurance transactions, charity or non-profit transactions, FPS services, and unposted, cancelled or refunded transactions.

年費、費用及申請資格

• Official product page eligibility: annual income HKD600,000 or more and age 18 or older.

未確認事項及記錄備註

• Prestige ranking should require an explicit miles valuation and user intent for premium travel benefits.

官方來源（保留來源用字）

• Citi Prestige Card product page
• Citi Prestige Card terms index
• Citi ThankYou Rewards page
• Citi credit card fee schedule

登記及適用資格

• Shopping and entertainment qualifying transactions are determined by MCC, including listed department store, apparel, shoes, jewelry, cosmetics, selected specialty retail, digital goods, theatres, ticket agencies and amusement-park/carnival/circus MCCs.

上限及計算週期

• Extra Points are capped at 113,400 Points per eligible card account per statement cycle, pooled between Mobile Payments and Shopping & Entertainment extra-points programs.

不適用交易

• Invalid or ineligible transactions include FPS services, Octopus Add Value Service transactions, cash advances, Balance Transfer Program, Cash Conversion Program, FlexiBill, PayLite and Quick Cash installment programs, Inland Revenue Department payments, online bill payment or utilities bill via internet banking or online payment system, insurance transactions, charity/non-profit transactions, mutual funds payment, fees and charges, casino transactions, unposted/cancelled/refunded transactions, unauthorized transactions and fraud or abuse transactions.

年費、費用及申請資格

• Official product page eligibility: minimum annual income HKD120,000, waived for student card application; age 18 or older.

未確認事項及記錄備註

• The displayed percentage is a Points Rebate equivalence from Citi materials, not direct cash cashback.

官方來源（保留來源用字）

• Citi Rewards Card product page
• Citi Rewards Card terms and conditions
• Citi ThankYou Rewards page
• Citi credit card fee schedule

登記及適用資格

• For Citi Rewards UnionPay Card, all Points are accumulated under the HKD account.

上限及計算週期

• Extra Points are capped at 113,400 Points per eligible card account per statement cycle, pooled between Mobile Payments and Shopping & Entertainment extra-points programs.

不適用交易

• Invalid or ineligible transactions include FPS services, Octopus Add Value Service transactions, cash advances, Balance Transfer Program, Cash Conversion Program, FlexiBill, PayLite and Quick Cash installment programs, Inland Revenue Department payments, online bill payment or utilities bill via internet banking or online payment system, insurance transactions, charity/non-profit transactions, mutual funds payment, fees and charges, casino transactions, unposted/cancelled/refunded transactions, unauthorized transactions and fraud or abuse transactions.

年費、費用及申請資格

• Official product page eligibility: minimum annual income HKD120,000, waived for student card application; age 18 or older; HKID holder is applicable to Citi Rewards UnionPay Card.

未確認事項及記錄備註

• The displayed percentage is a Points Rebate equivalence from Citi materials, not direct cash cashback.

官方來源（保留來源用字）

• Citi Rewards Card product page
• Citi Rewards Card terms and conditions
• Citi credit card fee schedule

登記及適用資格

• Student applicant must choose an underlying Citi student card product; rewards, fees, card network and exclusions depend on that underlying card.

上限及計算週期

• Not rankable as a standalone card because it represents multiple underlying Citi student card variants with different reward formulas.

不適用交易

• Underlying card exclusions apply, including the category-specific Citi Octopus, Rewards, Cash Back, PremierMiles, The Club and HKTVmall rules captured in their respective profiles.

年費、費用及申請資格

• Official student page states no income requirement.

未確認事項及記錄備註

• Recommendation logic should map student applications to the specific underlying Citi card profile chosen by the user.

官方來源（保留來源用字）

• Citi Student Credit Cards product page
• Citi credit card fee schedule

登記及適用資格

• Cardholder must be a member of The Club Membership Program and link the card to the relevant The Club account.

上限及計算週期

• Designated merchant rebate is capped at 1,500 Clubpoints for each principal cardholder The Club account per statement cycle; after reaching the limit, cardholders can still enjoy 1% rebate on eligible transactions.

不適用交易

• Clubpoints conversion ratio and redemption value can change without prior notice at Club HKT discretion.

年費、費用及申請資格

• Official product page shows no annual fee and age 18 or older; page also shows minimum annual income HKD120,000 in the application section.

未確認事項及記錄備註

• Clubpoints should not be treated as cash unless recommendation scoring models The Club redemption value and user acceptance.

官方來源（保留來源用字）

• Citi The Club Credit Card product page
• Citi The Club Pay with Clubpoints redemption T&C
• Citi The Club designated merchants list
• Citi credit card fee schedule

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung BeBe Dream VISA Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states first 5-year annual fee waiver.

未確認事項及記錄備註

• Do not apply the expired special reward program that was shown with 2024 dates.

官方來源（保留來源用字）

• CMB Wing Lung Corporate Card product page
• CMB Wing Lung Luxe Visa Infinite or Corporate Card Special Reward Program page
• CMB Wing Lung Corporate Card travel protection terms page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states first 5 years annual fee waiver for CMB Wing Lung Mastercard Platinum Card cardholders.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Credit Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• KFS lists Luxe Visa Infinite annual fee as HKD6,000 before waiver or if charged.

未確認事項及記錄備註

• Special Reward Program page still references 2024 dates and is not modelled as current.

官方來源（保留來源用字）

• CMB Wing Lung Luxe Visa Infinite product page
• CMB Wing Lung Luxe Visa Infinite annual fee waiver program T&C
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states first 5 years annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung UnionPay Dual Currency Platinum Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states first 5 years annual fee waiver.

未確認事項及記錄備註

• The visible World page gives a best-case HKD2.4 per mile statement; ranking should prefer the ordinary HKD12 per mile row unless category eligibility is known.

官方來源（保留來源用字）

• CMB Wing Lung World Mastercard product page
• CMB Wing Lung World Mastercard up to HKD500 incentive T&C
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states first 5 years annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Xcite Visa Platinum Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Evangelization VISA Platinum Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Hong Kong Chu Hai College VISA Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Hong Kong Sanatorium & Hospital Affinity Corporate Mastercard product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Pet Line VISA Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Hong Kong Jockey Club Staff Social Club VISA Platinum Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Hong Kong Medical Association VISA Platinum Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Bonus Point Program is valid until 2026-12-31 according to the reviewed page.

上限及計算週期

• Bonus points are valid for up to 2 years and expiry is shown on the monthly statement.

不適用交易

• Bonus Point Program exclusions include cash advance, credit to cash, online bill payment, gambling chips, securities transactions, foreign exchange, travellers cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement transactions and unauthorized transactions.

年費、費用及申請資格

• Product page states permanent annual fee waiver.

未確認事項及記錄備註

未有完整記錄，請查看官方條款；唔代表冇限制。

官方來源（保留來源用字）

• CMB Wing Lung Tien Dao VISA Card product page
• CMB Wing Lung Bonus Point Program page
• CMB Wing Lung Credit Card KFS
• CMB Wing Lung UnionPay Dual Currency Credit Card KFS

登記及適用資格

• Principal cardholder must hold a valid ANA Mileage Club account for mileage crediting.

上限及計算週期

• Welcome overseas spending cap is the first HKD5,000 eligible overseas spending per month, capped at 2,500 miles per month including basic and extra miles.

不適用交易

• Eligible transactions exclude cash advances, autopay, Octopus AAVS, mobile-wallet top-ups including Octopus top-up through mobile payment, adding new Octopus through mobile payment, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy bill payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees including annual fee / finance charge / late fee / cash advance handling fee, casino transactions, and unposted / cancelled / refunded / unauthorized / chargeback transactions.

年費、費用及申請資格

• Product page states annual income requirement is HKD150,000.

未確認事項及記錄備註

• Treat ANA flight privileges and airline discounts as ancillary benefits, not universal rebate rates.

官方來源（保留來源用字）

• Dah Sing ANA World Mastercard product page
• Dah Sing ANA World Mastercard T&C
• Dah Sing Credit Card Key Facts Statement

登記及適用資格

• Cash rebate is calculated by individual transaction, not aggregate monthly spend.

上限及計算週期

• Individual transaction amount below HKD250 earns no cash rebate.

不適用交易

• Cash rebate excludes cash advances, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy bill payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees including annual fee / finance charge / late fee / cash advance handling fee, casino transactions, and unposted / cancelled / refunded / unauthorized / chargeback transactions.

年費、費用及申請資格

• Product page states annual income requirement is HKD150,000.

未確認事項及記錄備註

• Do not rank older Autotoll top-up fee-rebate benefits as live after 2026-02-23.

官方來源（保留來源用字）

• Dah Sing Autotoll E-Serve Credit Card product page
• Dah Sing Autotoll E-Serve Credit Card T&C
• Dah Sing Autotoll E-Serve service amendment notice
• Dah Sing Credit Card Key Facts Statement

登記及適用資格

• Principal cardholder must be a British Airways Club member and the Club membership name must match the principal cardholder name.

上限及計算週期

• Welcome overseas spending reward applies only to first HKD10,000 eligible overseas spending per month in the first 6 months from issuance.

不適用交易

• Qualified transactions exclude cash advances, autopay, Octopus AAVS, mobile-wallet top-ups including Octopus top-ups through mobile payment, adding new Octopus through mobile payment, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy bill payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees including annual fee / finance charge / late fee / cash advance handling fee, casino transactions, and unposted / cancelled / refunded / unauthorized / chargeback transactions.

年費、費用及申請資格

• Product page states annual income requirement is HKD150,000.

未確認事項及記錄備註

• Ranking should consider British Airways Club account readiness and foreign/cross-border fees on overseas and BA purchases.

官方來源（保留來源用字）

• Dah Sing British Airways Platinum Card product page
• Dah Sing British Airways Platinum Card T&C
• Dah Sing Credit Card Key Facts Statement

登記及適用資格

• Cash reward eligible transactions include retail purchase amounts and Octopus AAVS amounts only.

上限及計算週期

• Each eligible transaction below HKD200 earns no cash reward.

不適用交易

• Cash Reward Scheme excludes cash advances, autopay, Happy Installment, Cash-In Plan, branch cash-in, Smart Choice Balance Transfer, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy bill payment, JET Payment, tax payments, interest-free monthly installment amounts, cheque payments, bank handling fees including annual fee / finance charge / late fee / cash advance handling fee, casino transactions, and unposted / cancelled / refunded / unauthorized / chargeback transactions.

年費、費用及申請資格

• Product page states annual income requirement is HKD150,000.

未確認事項及記錄備註

• Profile intentionally separates Platinum and Classic rates because the catalog currently groups both tiers under one card id.

官方來源（保留來源用字）

• Dah Sing Doraemon Platinum Card product page
• Dah Sing Doraemon Credit Card T&C
• Dah Sing Doraemon limited-time spending promotion T&C
• Dah Sing Credit Card Key Facts Statement

登記及適用資格

• Bonus Point Scheme eligible transactions include retail transactions and Octopus AAVS amounts.

上限及計算週期

• No explicit general bonus point cap identified in the reviewed Hello Kitty card T&C.

不適用交易

• Bonus Point Scheme excludes cash advances, autopay, Happy Installment, Cash-in Plan, branch cash-in, Smart Choice Balance Transfer, Cash Conversion Plan, Stocks Investment Savings Plans, PayEasy bill payment, JET Payment, tax payments, interest-free monthly installments, cheque payments, bank handling fees including annual fee / finance charge / late fee / cash advance handling fee, casino transactions, and unposted / cancelled / refunded / unauthorized / chargeback transactions.

年費、費用及申請資格

• Product page states annual income requirement is HKD150,000.

未確認事項及記錄備註

• Pure reward ranking needs a separate bonus point redemption value; this profile stores deterministic earn rules and flags Sanrio benefits separately.

官方來源（保留來源用字）

• Dah Sing Hello Kitty Visa Platinum Card product page
• Dah Sing Hello Kitty Credit Card T&C
• Dah Sing Sanrio Diamond Club T&C
• Dah Sing Credit Card Key Facts Statement