China Construction Bank (Asia) - Terms and Conditions

Terms and Conditions of CCB (Asia) Visa Infinite Credit Card Spend and Rewards Program ("Program"):

THE PROGRAM - This Program is only available for the Visa Infinite Credit Cards (except Business Card) ("Card(s)") issued by China Construction Bank (Asia) Corporation Limited (the "Bank", "we", "us" or "our") and is only available to principal cardmembers of the Cards ("Cardmember(s)", "you"). During the promotion period, Customers must hold a ‘PREMIER SELECT’ or ‘PREMIER BANKING’ account(s) which must be valid at the time of receipt of Cash Rebate, otherwise the Cash Rebate(s) will be forfeited. The Promotion Period is divided into 3 phases: Phase 1 – from October 1 to October 31, 2022; Phase 2 – from November 1 to November 30, 2022 and Phase 3 – from December 1 to December 31, 2022.
PROGRAM REQUIREMENT - To be eligible for the Program, you must be the first 2,500 CCB (Asia) Visa Infinite Cardmembers who have successfully registered during the registration period specified in clause 3 below. Upon achieving the respective spending requirement as specified in clause 4 below in any phase during the Promotion Period, you will be entitled to cash rebate as rewards for your spending for that particular phase ("Rewards").
REGISTRATION - Registration must be made during the registration period below on our website at www.asia.ccb.com/hk/visnr/en. You will be given a registration reference number upon successful registration. Registration must be made within the periods as follow: For Phase 1, Phase 2 and Phase 3: 10:00 a.m. of October 1, 2022 - 11:59 p.m. of October 31, 2022 (If you register in this phase, you have successfully registered for Phase 1, Phase 2 and Phase 3). For Phase 2: 12:00 a.m. of November 1, 2022 - 11:59 p.m. of November 30, 2022 (If you register in this phase, you have successfully registered for Phase 2 and Phase 3). For Phase 3: 12:00 a.m. of December 1, 2022 - 11:59 p.m. of December 31, 2022 (If you register in this phase, you have successfully registered for Phase 3). The registration is on a first-come-first-served basis. No registration will be accepted outside these periods. Time shall be of the essence and shall be in Hong Kong time in accordance with our system and record.

SPENDING AMOUNT, REWARDS - The Promotion Period has 3 phases. Upon making eligible local and overseas retail spending or any cash advance transactions ("Eligible Transactions") of CCB (Asia) Visa Infinite Credit Card in any of the above phases to enjoy 1.5% rebate (include basic 0.5% rebate and extra 1% rebate from this promotion). Only transactions with a single net spending of HKD200 or above will be eligible. For the extra 1% cash rebate from this promotion, the maximum cash rebate will be awarded in each phase is HKD100; the maximum cash rebate will be awarded for the entire Program in the 3 phases is HKD300.

Eligible Spending	Rebate Ratio	Maximum Monthly Cash Rebate from this Promotion	Maximum Cash Rebate during the whole promotion period
Single transaction of HKD200 or above	1.5% rebate* (include unlimited basic^# 0.5% rebate and extra 1% rebate from this promotion)	HKD100	HKD300

*Cardmembers who have chosen for the CCB (Asia) Visa Infinite Auto Cash Rebate Program, every spend of HKD200 will be converted into HKD1 cash rebate; i.e. spend HKD10,000 to enjoy HKD50 cash rebate, which is equivalent to 0.5% Cash Rebate. Under this promotion, Cardmembers can enjoy extra 1% cash rebate, i.e. spend HKD10,000 to enjoy extra HKD100 cash rebate, which equates to a total of 1.5% cash rebate; Cardmembers who have chosen for the CCB (Asia) Visa Infinite Credit Card Bonus Points Reward Scheme, every HKD1 spent can get 1x bonus point; i.e. spend HKD10,000 to receive 10,000 bonus points, which could be redeemed for a HKD50 cash coupon – equivalent to 0.5% rebate. Under this promotion, cardmembers can enjoy extra 1% cash rebate, i.e. spend HKD10,000 to enjoy extra HKD100 cash rebate (equivalent to 20,000 Bonus Points), which equates to a total of 1.5% rebate.

#Except for the total Bonus Points earned for transaction(s) of online bill payment(s) and payment(s) to insurance companies as there will be capped at 12 times of the latest approved credit limit (not applicable to temporary increase in credit limit).

EXCLUDED TRANSACTIONS - The following spending will not be qualified as eligible transactions: transactions not posted on or before November 10, 2022 (Phase 1), December 10, 2022 (Phase 2) and January 10, 2023 (Phase 3), balance transfers, instalment loans, all interest free instalment 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, fund transfer or payment via mobile apps, interest-free advance cash out program, bill payment, 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.
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.
SUPPLEMENTARY CARDS - Spending 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.
NOTIFICATION OF THE REWARDS - The cash rebate will be credited to eligible Principal Card accounts on or before February 28, 2023. 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.
OUR RECORD PREVAILS - Our records of your Rewards 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 Rewards have been credited to a Card account and there is a subsequent reversal of any transaction(s) in respect of which the Reward was awarded, the Bank reserves the rights to debit the Rewards that have been credited into the Card account(s).
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.
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.

Terms & Conditions