Terms and Conditions for CCB (Asia) TRAVO World Mastercard Overseas Merchants Spending Program (the "Program")

1. The Program is only applicable to principal and supplementary cardmembers ("Cardmember(s)", "you" or "your") of CCB (Asia) TRAVO World Mastercard ("Eligible Card(s)") issued by China Construction Bank (Asia) Corporation Limited (the "Bank" or "we").
2. The promotion period of the Program is from January 1, 2026 to June 30, 2026 (both dates inclusive) ("Promotion Period"), and divided into 2 phases:
   1. Phase 1: From January 1, 2026 to March 31, 2026 (both dates inclusive)
   2. Phase 2: From April 1, 2026 to June 30, 2026 (both dates inclusive)
3. Cardmembers are entitled to the cash rebate as stated in Clause 4 below upon completion of eligible spending (“Eligible Spending”) at designated merchants within the Promotion Period.
4. Each Cardmember can enjoy the cash rebate at each participating merchant once in each phase of the Promotion Period. The cash rebate for principal and supplementary Cardmembers is counted separately. Details as below:

   Country	Designated Merchants	Redemption Channels	Eligible spending amount in a single transaction in each phase	Cash Rebate cap in each phase	Maximum Rebate Cap during the Promotion Period
   China	Alipay Wallet	Online	Spend RMB40 or above	RMB6	RMB12
   	DiDi	Online	Spend RMB100 or above	RMB15	RMB30
   	Meituan & Dianping	Online	Spend RMB100 or above	RMB15	RMB30
   Japan	East Japan Railway Company (SUICA)^	Online	Top up JPY4,000 or above to SUICA via Apple Pay	JPY600	JPY1,200
   	Isetan Mitsukoshi	Online	JPY80,000 or above	JPY12,000	JPY24,000
   	MITSUI OUTLET PARK OSAKA KADOMA	In-Store	JPY80,000 or above	JPY12,000	JPY24,000
   	MITSUI OUTLET PARK SAPPORO KITAHIROSHIMA	In-Store	JPY80,000 or above	JPY12,000	JPY24,000
   	MITSUI OUTLET PARK MAKUHARI	In-Store	JPY80,000 or above	JPY12,000	JPY24,000

   ^{^}East Japan Railway Company (Suica) offer is only valid when topped up with Apple Pay. Mobile Suica, other payment services, and charging at station ticket vending machines are not eligible. Please check how to use Apple Pay for Suica at the following link: https://support.apple.com/en-us/HT207154
5. Eligible Spending is defined according to the merchant codes/transaction type issued by Mastercard or a merchant’s acquiring bank from time to time.
6. The Reward (rounded to the nearest 2 decimal places) will be credited to your Eligible Card within 30 calendar days after completion of Eligible Spending.
7. The Bank may debit the relevant Eligible Card for the equivalent value of any cash rebate that you have enjoyed without prior notice if any transaction(s) for which the cash rebate was awarded is subsequently reversed or found out to be ineligible.
8. The status of the Eligible Card account must remain valid and in good standing (as determined at the Bank’s discretion) throughout the Promotion Period and at the time when the cash rebate is given.
9. The Bank reserve the right to vary the Programme and/or these Terms and Conditions, or to cancel the Programme, at our discretion at any time without giving you prior notice.
10. 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.
11. The Bank retain the final decision in any differences or disputes under the Programme.
12. 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!