China Construction Bank (Asia) - Terms and Conditions

Terms and Conditions of CCB (Asia) Credit Card Online Tax Bill Payment Program (the "Program"):

PROMOTION PERIOD – The promotion period is from December 1, 2023 to December 31, 2023 (both dates inclusive) (“Promotion Period”).
THE PROGRAM – This Program is only applicable to principal cardmembers of credit cards (except Business Card) ("Card(s)") issued by China Construction Bank (Asia) Corporation Limited (the "Bank", "we", "us" or "our") who received the promotional materials (include MMS message/ eDM) ("Promotional Material(s)") of this Program from the Bank ("Selected Customers" or "you").
REGISTRATION –
1. Registration must be made during the below registration period at our website: . If you have more than one Card, registration of one of your Cards will automatically register all of other Cards under your name.
2. You will be given a registration reference number upon successful registration. Registration period is from 10:00 a.m. of December 1, 2023 to 11:59 p.m. of December 31, 2023.
3. You must be the first 5,000 Selected Customers who have successfully registered during the registration period. The registration is on a first-come-first-served basis. No registration will be accepted outside the registration period. Please note that the relevant time must be in Hong Kong time in accordance with our system and record.
TAX PAYMENT APPLICATION -
1. You must settle the Tax Demand Note through our Mobile/Online Banking Online Bill Payment Service () ("Online Bill Payment Service"). We will directly transfer the tax payment to Inland Revenue Department ("Inland Revenue Department") on behalf of you upon confirmation through Online Tax Bill Payment Service.
2. We will process tax payment according to the cut-off time shown on the Mobile Banking app or Online Banking website at the time of submission.
3. Your Card account must have sufficient credit limit and must be in good standing (the status as determined at our discretion) to be eligible for this Program and at the time when your application is processing.
4. You must provide all necessary information and tax payment details through Online Tax Bill Payment Service, including (a) Shroff Account Number; (b) Tax Payment Amount; and (c) Card account that will be debited for Tax Payment Amount. All relevant information provided will be considered as accurate and no further verification with any parties will be made by the Bank. Upon confirmation through Online Tax Bill Payment Service, the Bank will process the tax payment according to your instruction.

PROGRAM REWARDS -

During the Promotion Period, Selected Customers can enjoy cash rebate (“Cash Rebate”) upon settling salaries tax and personal assessments ("Tax Payment") successfully for accumulated transaction(s) of HKD5,000 or above through Online Bill Payment Service and making at least 1 Eligible Retail Spending (“Eligible Retail Spending”) by any Cards under this Program. If you settle a number of Tax Demand Notes with various Cards, tax payment amount will be counted cumulatively. The maximum Cash Rebate will be awarded for each Selected Customer throughout the entire Program is HKD200. Details as follow:

Eligible Retail Spending	Accumulated Amount of Online Tax Bill Payment	Cash Rebate	Maximum Cash Rebate during the whole Promotion Period
At least 1 transaction	HKD5,000 – HKD20,000	HKD50	HKD200
	HKD20,001 – HKD50,000	HKD100
	HKD50,001 – HKD80,000	HKD150
	HKD80,001 or above	HKD200

To enjoy the Cash Rebate, all tax payments (including scheduled payments) shall be made during the Promotion Period. Transaction date and time of the Bank's record shall prevail.

ELIGIBLE RETAIL SPENDING - Retail transactions made in Hong Kong, online transactions, and transactions with original sales slip or official payment record conducted outside Hong Kong.
OVERSEAS PURCHASES - Overseas Purchases for Visa or Mastercard, all transactions effected in a currency other than Hong Kong Dollars are converted from the transaction currency into Hong Kong Dollars and charged to the Card Account based on the exchange rate adopted by Visa or Mastercard, as applicable, on the date of conversion. In addition, all transactions effected in a currency other than Hong Kong Dollars are subject to a foreign currency conversion fee (representing the charge imposed by Visa or Mastercard on the issuer of the Card) and an overseas transaction fee, in such amounts as set forth in the Fee Schedule. Overseas Purchases for UnionPay Dual Currency Credit Card - Save and except for transactions effected in RMB and transacted in Mainland China, all transactions effected in a currency other than HKD including transactions effected in RMB transacted in territories outside Mainland China, including without limitation, Hong Kong or Macau, are converted from the transaction currency into HKD and charged to Cardmember's HKD Card account based on the exchange rate adopted by UnionPay’s prevailing exchange rate on the date of conversion. Cardmember agrees to accept UnionPay’s exchange rates as quoted from time to time without dispute.
EXCLUDED TRANSACTIONS - The following spending will not be qualified as Eligible Retail Spending: transactions not posted on or before January 8, 2024 , fund transfer, balance transfers, installment loans, all interest free installment transactions, electronic wallet top-up or fund transfer, payment for insurance policies issued by insurance companies, autopay transactions, all Octopus reloading (include Octopus reloading via electronic wallet), purchase of gift cards and/or reload of stored value cards, “Interest-free $martExpress” transactions, RentSmart transactions, interest-free advance cash out program, bill payment, wire transfers, betting and gambling transactions, recurring transactions, charity donations, phone/fax/mail order, tax payment, fees and charges made or incurred (whether in relation to the Card account(s) or otherwise) and any transactions that have been cancelled or refunded, such other categories as we may at our sole discretion determine from time to time, or which we otherwise decide are not eligible.
SUPPLEMENTARY CARDS - All the online tax payment or spending made by supplementary cardmember(s) of the Card(s) during the Promotion Period will be treated as made by principal cardmember(s) of the Card(s) for the purpose of the Program.
PAYMENT NOTIFICATION - The corresponding transaction(s) for the Online Tax Bill Payment Service shall be shown on the monthly statement. You are responsible to check the tax payment status and whether the tax payment has been made successfully. You should bear all risks related to the tax payment instruction under this Program.
NOTIFICATION OF THE REWARDS - The Cash Rebate will be credited to your Card account with the highest Tax Payment amount maintained in our record on or before March 31, 2024. Cash Rebate can only be applied against the outstanding in Card account statement and cannot be converted into cash, and/ or withdrawn as cash advance nor transferable.
BONUS POINT REWARD - All the spending of Tax Payment made by Card account through our Online Bill Payment Service is not eligible for any bonus points under the CCB (Asia) Credit Card Bonus Points Rewards Program.
NO CHANGE AFTER SUBMISSION - Any application of this Program is irrevocable and may not be changed once submitted to us.
OUR RECORD PREVAILS - Our records of your Cash Rebate earned under the Program and all our decisions regarding Cash Rebate shall be final and binding upon you.
ELIGIBILITY - Your eligibility for the Program is subject to our checking on your Card account status and your Card account(s) remaining valid and in good standing (as determined at our discretion) throughout the Promotion Period and at the time when the Cash Rebate is given. Where Cash Rebate has been credited to a Card account and there is a subsequent reversal of any transaction(s) in respect of which the Cash Rebate has been credited, the Bank reserves the rights to debit the Cash Rebate that has been credited into the Card account(s).
KEEP SALES SLIPS - You have to keep all original sales slips or official payment records of the Eligible Retail Spending. In case of dispute, we may ask you to provide these slips, records, and/or further evidence for inspection and we may keep them.
RIGHT TO VARY, ETC. - We reserve the right to vary the Program and/or these Terms and Conditions, or to replace, cancel or withdraw the Program, at our discretion at any time without giving you prior notice.
AUTHORIZATION - When you make a payment via Online Tax Bill Payment Service, you will be considered to authorize the Bank to provide and receive relevant information relevant to this Program to and from Inland Revenue Department or any parties, and keep the information provided for reference and verification purposes.
APPLICABILITY - All the Terms and Conditions of Online Banking Services Agreement and CCB (Asia) Credit Card Cardmember Agreement and CCB (Asia) Credit Card Fee Schedule (“Fee Schedule”) are applicable to this Program. In case of any inconsistency between those and the Terms and Conditions under this Program, the former shall prevail.
DISCLAIMER - The Bank shall not be liable for any actions, claims, losses, costs or expenses (especially the surcharge or penalty imposed by Inland Revenue Department as a result of any delay or void of the tax payment) suffered by the cardmember.
FINAL DECISION - We retain the final decision in any differences or disputes under the Program, and shall not be responsible or liable for any claims or liability resulting from any cardmember's participation in the Program howsoever suffered or incurred.
ENGLISH VERSION SHALL PREVAIL - In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Terms & Conditions