General Terms & Conditions of Home+ Credit Card Bonus Points Reward Scheme

The following provisions apply to the Home+ Credit Card Gifts Redemption Programme:

  1. THE PROGRAMME - This Programme is only available for Home+ Credit Cards ("Card") issued by China Construction Bank (Asia) Corporation Limited ("Bank", "we", "us", or "our") and is available only to the principal cardmembers of the Cards ("Cardmember(s)"). Cardmembers will earn 1 bonus points ("Bonus Point(s)") for every HK$1 spent on retail purchases and cash advances, unless otherwise specified by us from time to time.
  2. ELIGIBLE TRANSACTIONS - Only spending on retail purchases and cash advances (including by installment arrangements) will be eligible for Bonus Points. There are no Bonus Points for the following payment types, including but not limited to, "Cash Out" Installment Programme, "FUN Express" Installment Programme, settlement of finance charges, late charges, all account service charges, settlement through online personal banking service for insurance loan repayment, tax payment, payment for MPF contribution, or other categories as we may at our sole discretion determine from time to time.
  3. BONUS POINT CAP ON DESIGNATED TRANSACTIONS - The total Bonus Points earned for each calendar year (From 1 January to 31 December) (“Calendar Year”) will be capped at 12 times of the latest approved credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies.
  4. POSTING OF BONUS POINTS - Bonus Points will be credited when the eligible transaction is posted on the Card account. For interest-free purchase-by-installment transactions, Bonus Points will be credited when an installment is posted on the account. Any Bonus Points that are credited for ineligible transaction may, without prior notice, be reversed.
  5. BONUS POINTS EXPIRY - Bonus Points earned are valid for up to 2 years and will be forfeited without notice on the last day of the following calendar year. For example, Bonus Point earned during 1 January, 2020 to 31 December, 2020 will be expired on 31 December, 2021. Bonus Point earned during 1 January, 2021 to 31 December, 2021 will be expired on 31 December, 2022. All Bonus Points earned will be forfeited and cancelled without notice upon termination or cancellation of the Card account (despite any reason) with the Bank.
  6. CONSOLIDATION OF BONUS POINTS - Under this Programme, the Bonus Points earned on the Card cannot be combined with the bonus points earned by any other CCB (Asia) Credit Cards.
  7. APPLICATION PROCEDURE - Applications for gift redemption/purchase requests ("Application(s)") may only be made by principal Cardmembers of the Cards. Bonus Points earned by supplementary cardmember(s) will be treated as earned by the principal cardmember and be shown in the principal Cardmember's monthly statement. Applications are only accepted if the relevant account is in good credit status (as per our own discretion).
  8. INSUFFICIENT BONUS POINTS - Any Application for which insufficient Bonus Points are held will be automatically rejected. However, if there are sufficient Bonus Points for one or more of the items/gifts/redemptions/purchases listed in an Application, we will process following the listed order. Those unprocessed Application due to lack of Bonus Points will be automatically rejected.
  9. FORFEITURE OF BONUS POINTS - Any fraud or abuse committed in relation to the Programme (including, without limitation, the earning of any Bonus Point or in connection with any Application) may result in the forfeiture of any accrued Bonus Points as well as the cancellation of a Cardmember's Card account(s).
  10. APPLICABILITY - These Terms and Conditions apply to all Programmes in relation to Bonus Points, unless specifically varied or excluded.
  11. FINAL DECISION – We may modify, terminate or withdraw any of the Programmes at any time and have the final decision (at our discretion) in all matters and disputes in relation to the Programmes. We may vary any relevant details and these Terms and Conditions without prior notice. We shall not be responsible or liable for any claims or liability in relation to use of the Programmes by any Cardmember or other person.
  12. ENGLISH VERSION PREVAILS – Should there be any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.


Terms and Conditions of Cash Rebate Redemption:

  1. Successfully redeemed cash rebate will be credited to the Credit Card account upon deduction of the applicable Bonus Points. The cash rebate details will be shown in the Customer’s subsequent monthly statement of the relevant Credit Card account.


Terms and Conditions of Coupon Redemption Programme:

  1. COUPON REDEMPTION - Eligible Cardmembers can redeem designated Merchant Coupons ("Coupons" or “e-Coupon”) by required Bonus Points and there is no redemption quantity limit. Unless otherwise specified, Coupon will be mailed to the Cardmember's correspondence address or redemption code of e-Coupons will be sent to the Cardmember's correspondence mobile number by SMS approximately 4 to 6 weeks from our receipt of a successful Coupon redemption application ("Application"). A Cardmember shall enquire through our Customer Services Hotline at 3179 5533 if he/she fails to receive the Coupons or redemption code of e-Coupons within such period.
  2. RESTRICTIONS - All Applications are subject to availability of the relevant Coupons, and shall be accepted on a first-come-first-served basis. We may substitute other Coupons of similar value in case of non-availability. We will not provide notice of non-availability or substitution or any change in redemption and/or BonusPoints requirements. Coupons being redeemed are not exchangeable for cash. Coupons are not redeemable for cash, no change will be given for purchase under the face value of the relevant Coupons. Each Coupon can only be used once. Coupons redeemed under the Programme cannot be used in conjunction with any other promotion, unless otherwise specified by the Coupon suppliers ("Suppliers"). Coupons will only be valid with the Suppliers’ authorized signature and/or their chop (if applicable). Photocopies of Coupons will not be accepted (if applicable). Coupons must be presented to the relevant Suppliers by Cardmembers before placing an order or settling payment.
  3. DISCLAIMERS - We will not replace, and have no liability if any Coupons is lost or damaged for any reason. The validity and use of any Coupons under the Programmes is subject to all usage instructions and terms and conditions set by the Suppliers. We shall not act as, or assume any liability of, a product/service supplier or agent of any such Suppliers. Any claim, complaint, or dispute in connection with any such Coupons shall be addressed to and resolved directly with the relevant Suppliers, which shall in no way relieve such Cardmember from his/her payment and other obligations to us. We provide no warranty for any redeemed Coupons. Neither we nor the Suppliers will be responsible for any loss or damage of any Coupons. All matters or disputes in relation to the use of the Coupons will be subject to our final decision (or, as we determine, the Suppliers).