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Examples on How to Earn Cash Rebate

1. PROMOTION PERIOD – From October 1, 2023 to January 31, 2024 (both dates inclusive), and is divided into 2 phases:
   • Phase 1 – from October 1 to November 30, 2023;
   • Phase 2 – from December 1, 2023 to January 31, 2024.
2. THE PROGRAM – The Program is only applicable to the cardmembers (“Cardmembers” or “you”) of 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 for eligible cross-border and/ or overseas retail spending ("Eligible Transactions") made by the Card(s) during the Promotion Period.
3. REGISTRATION –
   • Registration must be made during the below registration period at our website: www.asia.ccb.com/hk/overseas/en. If you have more than one Card, registration of one of your Cards will automatically register all of other Cards under your name. If you made the transactions with various Cards, eligible transaction amount will be combined and counted cumulatively.
   • You will be given a registration reference number upon successful registration. Registration period is as follow:
     • Phase 1: 10:00 a.m. of October 1, 2023 - 11:59 p.m. of November 30, 2023 (If you register in this phase, you have successfully registered for Phase 1 and Phase 2).
     • Phase 2: 12:00 a.m. of December 1, 2023 - 11:59 p.m. of January 31, 2024 (If you register in this phase, you have successfully registered for Phase 2).
   • You must be the first 7,500 Cardmembers 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. Time shall be of the essence and shall be in Hong Kong time in accordance with our system and record.
4. SPENDING AMOUNT, REWARDS – Cardmembers can enjoy up to HKD2,000 cash rebate by using your Cards to make eligible cross-border and/ or overseas retail transactions during the Promotion Period. Details as follow:
   • Cross-border Spending: Upon making eligible retail transactions in RMB with your Cards, you can enjoy 3% cash rebate (“Basic Cash Rebate”). Each Cardmember will be awarded a maximum of HKD400 Basic Cash Rebate in each phase; and a maximum of HKD800 Basic Cash Rebate during the whole Promotion Period. If that transactions made via CCB (Asia) UnionPay Dual Currency Credit Card by Apple Pay or UnionPay APP, you can enjoy extra 5% cash rebate (“Extra Cash Rebate”). Each Cardmember will be awarded a maximum of HKD200 Extra Cash Rebate in each phase; and a maximum of HKD400 Extra Cash Rebate during the whole Promotion Period.
   • Overseas Spending: Upon making eligible retail transactions in other currencies with your Cards, you can enjoy 3% cash rebate. Each Cardmember will be awarded a maximum of HKD400 cash rebate in each phase; and a maximum of HKD800 cash rebate during the whole Promotion Period.

   For the above Cross-border Spending and Overseas Spending, each Cardmember will be awarded a maximum of HKD1,000 cash rebate in total during each phase; and a maximum of HKD2,000 cash rebate in total during the whole Promotion Period.

5. EXCLUDED TRANSACTIONS – The following spending will not be qualified as eligible transactions: transactions not posted on or before December 8, 2023 (Phase 1) and February 8, 2024 (Phase 2), online foreign currency transactions (classified as online transaction according to the merchant codes/transaction types as defined by Visa International, Mastercard Asia/Pacific (Hong Kong) Limited, UnionPay or a merchant's acquiring bank), fund transfer, 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, interest-free advance cash out program, bill payment, wire transfers, betting and gambling transactions, recurring transactions, charity donations, phone/fax/mail order, cash advance, 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.
6. ELIGIBLE CROSS-BORDER AND OVERSEAS RETAIL SPENDING – Transactions with original sales slip or official payment record conducted outside Hong Kong (Online transactions conducted in foreign currencies are not valid). 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.
7. 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.
8. NOTIFICATION OF THE REWARDS – The cash rebate will be credited to your eligible Principal Card accounts with the highest net spending amount of Eligible Transactions in our records on or before April 30, 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.
9. 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.
10. 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 was awarded, the Bank reserves the rights to debit the cash rebate that has been credited into the Card account(s).
11. KEEP SALES SLIPS – You have to keep all original sales slips or official payment records of the Eligible Transactions. In case of dispute, we may ask you to provide these slips, records, and/or further evidence for inspection and we may keep them.
12. 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.
13. 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.
14. ENGLISH VERSION SHALL PREVAIL – In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.