By accepting and participating in this reward offer/promotion, you acknowledge that you have fully read and agree to all associated Terms and Conditions.

Bonus Points and Cash Rebate are not applicable to cash advances, balance transfer, cash installment loan amount/tax loan and personal loan amount/merchant installment loan amount and the repayment amount, purchase/reload/transfer of e-wallet (including but not limited to Alipay, PayMe, Tap & Go and WeChat Pay), Financial Institutions transactions (including but not limited to Securities Brokers and Dealers etc), Octopus Add Value/Automatic Add Value transactions, donations, purchase of casino chips, gambling transactions, unauthorized transactions, autopay transactions, video game arcades/establishments, motion picture theatres, parking lots and garages, automobile rentals, fuel, transportation fees, all payment types (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, telecommunications fees, membership fees, insurance payment or utilities bills payment, charitable/non-profit organization transactions, tax payment, payment for MPF contribution etc. or other categories as ICBC (Asia) may determine from time to time in its sole discretion). Also, the Rewards are not applicable to the transactions of supermarkets, property, motor vehicle, wholesale, hospital, tuition and other related merchants in China etc. (transaction types are determined according to the merchant categories as defined time to time by Visa, Mastercard and UnionPay and reserves the right to change the merchant categories from time to time, or at its sole discretion of Industrial and Commercial Bank of China (Asia) Limited). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

For the following transactions in Hong Kong, every HKD/RMB 1 spent will earn a maximum of 1 point or 0.5% cash rebate: Transactions of supermarkets/grocery stores/convenience stores/miscellaneous food shops, property, motor vehicle, wholesale, hospital, tuition, cleaning/maintenance/janitorial services, advertising services, bakeries/patisseries, fast food restaurants, pharmacies/food services/restaurants, and other related merchants. (Transaction types are determined according to the merchant categories as defined from time to time by Visa, Mastercard, and UnionPay. Industrial and Commercial Bank of China (Asia) Limited reserves the right to change the merchant categories from time to time at its sole discretion.). Clause (3) is excluded from application to ICBC Wise Gold Dual Currency Credit Card, ICBC Wise Gold Credit Card, and ICBC Essence Credit Cards.

Eligible transactions outside the scope of Clause (2) and (3) shall accrue rewards points or cash rebates according to the respective credit card category.

If ICBC(Asia) suspects any fraudulent conduct by the cardholder, ICBC(Asia) may suspend and/or cancel the cardholder’s eligibility to earn or use rewards, as well as their Credit Card privileges. ICBC(Asia) may require the cardholder to submit supporting documentation to determine whether the relevant transaction(s) involve fraudulent conduct. ICBC(Asia) reserves the sole discretion to determine whether the cardholder has engaged in fraudulent conduct or whether a transaction constitutes an Invalid Transaction. Upon confirmation of fraudulent conduct, ICBC(Asia) will immediately revoke the cardholder’s reward eligibility and deduct any accrued cash rebates and/or bonus points from the associated Credit Card without prior notice. If the account lacks sufficient bonus points, ICBC(Asia) will debit an amount equivalent to the value of the fraudulently obtained rewards (calculated at the base redemption rate under the Cash Rebate Programme Terms). ICBC(Asia) further reserves the right to cancel the Credit Card and/or pursue any legal action it deems appropriate.

“ICBC (Asia)” or “The Bank” is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.