Terms and Conditions of CCB (Asia) TRAVO Mastercard Complimentary Global Airport Lounge Access Program ("Program"):

  1. PROMOTION PERIOD - From December 10, 2025 to February 28, 2026 (both dates inclusive).
  2. THE PROGRAM - This Program is only applicable to principal cardmembers ("Cardmember(s)", "you") of TRAVO World Mastercard and TRAVO Mastercard ("Eligible Card(s)") issued by China Construction Bank (Asia) Corporation Limited ("the "Bank", "we", "us" or "our"").
  3. REGISTRATION - Registration must be made during December 10 to December 21, 2025 ("Registration Period") at designated link. If you have more than one Eligible Card, registration of one of your Eligible Card will automatically register all of other Eligible Card(s) under your name. If you made the transactions with various Eligible Card(s), eligible transaction amount will be combined and counted cumulatively.
    a) The Program offers 800 quotas of Airport Lounge Access powered by LoungeKey ("the Lounge Access"), you must successfully register the Program during the registration period. The registration is on a first-come-first-served basis. No registration will be accepted outside the registration period.
    b) During the promotion period, you can entitle up to 4 Lounge Access quota. During registering, you must provide and ensure the English Full Names on the passport of all users are accurately filled in. Failure to do so may result in the Lounge refusing entry.
    c) The English Full Names of the Lounge Access users you have submitted cannot be modified once the submission is completed.
    d) The Lounge Access will be sent via email ("the Confirmation Email") to the registered email address of you by January 16, 2026.
  4. Rewards:
    a) Each Lounge Access quota is only available for one registered user. The Lounge Access is generally valid for 12 months. For details, please refer to the Confirmation Email, which shall prevail ("Validity Period").
    b) Each Lounge Access has spending requirements. You need to accumulate eligible local or overseas spending of HK$ 5,000 (or equivalent foreign currency) ("Spending Requirements") with the Eligible Card during January 1 to February 28, 2026 (both dates inclusive) ("Spending Period") for one Lounge Access. For two Lounge Accesses, a spending of HK$10,000 (or equivalent foreign currency) is required, and so on for each additional Lounge Access.
    c) For details about the lounge access, please visit https://www.loungekey.com/en/conditions-of-use for more information.
  5. Charges - If you fail to achieve the required eligible spending amount during the Spending Period, the Bank will charge an administrative fee of HK$380 per Lounge Access to your Eligible Card by 30 April 2026 without prior notice.
  6. ELIGIBLE RETAIL SPENDING - Retail transactions made in Hong Kong, foreign currency, online transactions, and transactions with original sales slip or official payment record conducted outside Hong Kong with Eligible Card.
  7. OVERSEAS PURCHASES - Overseas Purchases for 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 Eligible Card Account based on the exchange rate adopted by 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 Mastercard on the issuer of the Eligible Card) and an overseas transaction fee, in such amounts as set forth in the Fee Schedule.
  8. EXCLUDED TRANSACTIONS - The following spending will not be qualified as eligible transactions: transactions not posted on or before February 28, 2026, fund transfer, balance transfers, installment loans, all interest free installment transactions, electronic wallet (AlipayHK, PayMe, WeChat Pay HK) transactions/ top-up/ fund transfer, payment for insurance policies issued by insurance companies, autopay transactions, all Octopus reloading (include Octopus reloading via electronic wallet), 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 Eligible 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.
  9. Any eligible retail spending made under CCB (Asia) TRAVO World Mastercard New Customer Welcome Gift Program ("Welcome Gift Program") during Spending Period will not be considered as eligible transactions under this Program.
  10. SUPPLEMENTARY CARDS - Spending or spending installment made by supplementary cardmember(s) of the Eligible Card(s) during the Spending Period will be treated as made by principal cardmember(s) of the Eligible Card(s) for the purpose of the Program.
  11. OUR RECORD PREVAILS - Our records of your Lounge Access earned under the Program and all our decisions regarding Lounge Access shall be final and binding upon you.
  12. ELIGIBILITY - Your eligibility for the Program is subject to our checking on your Eligible Card account status and your Eligible Card account(s) remaining valid and in good standing (as determined at our discretion) throughout the Promotion Period and at the time when the Lounge Access is given. Where the Lounge Access has been credited to an Eligible Card account and there is a subsequent reversal of any transaction(s) in respect of which the Lounge Access has been credited, the Bank will charge an administrative fee of HK$380 per Lounge Access to your Eligible Card without prior notice.
  13. 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.
  14. 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.
  15. 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.
  16. ENGLISH VERSION SHALL PREVAIL - In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

To borrow or not to borrow? Borrow only if you can repay!