Insurance, Daily Bill Payment and Spending Instalment Rewards - Hang Seng Credit Card

Cumulative Insurance Payment Spending during 15 July 2026 to 31 October 2026 and/or 1 November 2026 to 31 January 2027 (HKD)	Extra Reward (Hang Seng Visa Credit Cards / enJoy Cards⁴)
250,000 or above	$1,000 / 200,000 Points
100,000 to below 250,000	$500 / 100,000 Points
30,000 to below 100,000	$100 / 20,000 Points
10,000 to below 30,000	$50 / 10,000 Points

Cumulative Insurance Payment Spending during the entire promotion period (HKD)	Extra Reward
750,000 or above	$800 / 160,000 Points

	Cumulative Bill Payment Spending	Extra Reward in Respective Phase
From 15 July 2026 to 31 October 2026 (Phase 1-3) and/or 1 November 2026 to 31 January 2027 (Phase 4-6)	Consecutively accumulate HKD1,500 or above at each phase of Phase 1-3 and/or Phase 4-6	2% / 4X Points
Accumulate HKD1,500 or above during any phase	0.4% / 1X Points

The promotion period of the Promotion is from 15 July 2026 to 31 January 2027, both dates inclusive (“Promotion Period”).
The Promotion is applicable to principal cardholder of Hang Seng Visa Credit Card(s) (“Customer”) (including Affinity Card, but excluding Commercial Card, Business Card, Spending Card, USD Visa Gold Card and Private Label Card) (“Eligible Credit Card”), subject to the record of Hang Seng Bank Limited (“Hang Seng”).
Eligible Retail Transactions means retail transactions (“Eligible Retail Transactions”), but exclude any online bill payments via Hang Seng Personal Banking mobile app or Hang Seng e-Banking (including but not limited to water bills, electricity bills, insurance premiums, payments to other banks and credit cards, etc.) and tax payments, all Alipay and WeChat Pay transactions, phone / fax orders (including bill payments and purchases), cash coupon purchase, instalment payments, balance transfers, split transactions, “Octopus Automatic Add-Value Service” auto top-up amounts (including but not limited to reloading of Smart Octopus via e-wallets or other channels), purchase and / or reload of stored value cards or e-wallets or transactions via e-wallets, purchase of products / services at financial / non-financial institutions (including but not limited to, foreign currency, money orders, travellers’ cheques, deposits and money transfers and Trading Platform spending in Plus500, IG.com etc.), casino chip purchases, autopays, cash advance transactions, handling fees of cash advance / annual fees / handling fees / finance charges, late charges of credit cards and any transactions under recurring payment instructions or Transactions of Tuition Fee Payment / Examination Fee Payment / Bookstores made with University / College Affinity Credit Card, please refer to related Hang Seng Bank website for relevant spending definition and details. All transactions that are found to be fraudulent or eventually cancelled / returned will be considered as ineligible transactions and are not applicable to this Promotion and extra rebate / Points will not be rewarded.

Customers who successfully register in Promotion Period and accumulate Insurance and/or Bill Payment Spending will receive extra +FUN Dollars rebate / yuu Points (“Reward”).
Reward 1: Customers who accumulate net Eligible Retail Transactions of HKD500 or above during 15 July 2026 to 31 October 2026 and/or 1 November 2026 to 31 January 2027 will receive the following extra Reward on Eligible Insurance Payment Spending during above period(s) respectively. Each Customer is entitled for up to an extra $1,000 +FUN Dollars / 200,000 yuu Points in above period(s) respectively. Each Customer is entitled for up to an extra $2,800 +FUN Dollars / 560,000 yuu Points during the entire Promotion Period.
Eligible Insurance Payment Spending means 1) the online bill payment transaction made to insurance companies via Hang Seng Personal Banking mobile app or Hang Seng e-Banking, and/or 2) insurance payment settled as retail spending through online or physical store.

Cumulative Insurance Payment Spending during above period(s)	Extra Reward
HKD250,000 or above	$1,000 +FUN Dollars or 200,000 yuu Points
HKD100,000 to below HKD250,000	$500 +FUN Dollars or 100,000 yuu Points
HKD30,000 to below HKD100,000	$100 +FUN Dollars or 20,000 yuu Points
HKD10,000 to below HKD30,000	$50 +FUN Dollars or 10,000 yuu Points
Cumulative Insurance Payment Spending during entire Promotion Period	Extra Reward
HKD750,000 or above	$800 +FUN Dollars or 160,000 yuu Points

Reward 2:
The Promotion Period of Reward 2 is divided into 6 phases:
Phase 1: 15 July 2026 to 31 August 2026
Phase 2: 1 September 2026 to 30 September 2026
Phase 3: 1 October 2026 to 31 October 2026
Phase 4: 1 November 2026 to 30 November 2026
Phase 5: 1 December 2026 to 31 December 2026
Phase 6: 1 January 2027 to 31 January 2027
Customers who accumulate a net Eligible Retail Transactions of HKD500 or above during each phase, will receive the following extra +FUN Dollars / yuu Points for Eligible Bill Payment Spending during such phase respectively. Each Customer is entitled for up to an extra $50 +FUN Dollars / 10,000 yuu Points in each phase and up to an extra $300 +FUN Dollars / 60,000 yuu Points during the entire Promotion Period.
Eligible Bill Payment Spending means the online bill payment transaction via Hang Seng Personal Banking mobile app or Hang Seng e-Banking, but excluding payment to insurance companies, Inland Revenue Department, brokers and banking and credit card services.

Cumulative Bill Payment Spending	Extra Reward in Respective Phase
Consecutively accumulate HKD1,500 or above during all phases from 15 July 2026 to 31 October 2026 and/or 1 November 2026 to 31 January 2027	2% +FUN Dollars rebate or 4X yuu Points
Accumulate HKD1,500 or above during any phase of Phase 1 to Phase 6	0.4% +FUN Dollars rebate or 1X yuu Points

The Eligible Spending and Reward are based on the net spending amount through Eligible Transactions, which is the final amount charged to the Hang Seng Credit Card after the use of any discount offers and +FUN Dollars / yuu Points / Merchant Dollars (if applicable).
If there is more than one Eligible Credit Card under Customer, all Eligible Transactions made under principal Eligible Credit Card(s) of the same cardholder will be included for calculating extra Reward on a combined basis.
To enjoy the Promotion, Customers must successfully register via +FUN Centre in Hang Seng Personal Banking mobile app (Log on Hang Seng Personal Banking mobile app. Select “Cards” > “+FUN Centre” > Select this promotion and register). If a Customer registers repeatedly, only the first registration is valid. Only Eligible Transactions made from the registration date to the end of the Promotion Period will be counted for the Reward.
All Eligible Transactions must be completed within the Promotion Period and posted to the relevant credit card accounts on or before the designated date. The Eligible Transactions during 15 July 2026 to 31 October 2026 and 1 November 2026 to 31 January 2027 must be completed within the period and posted to the relevant credit card accounts on or before 15 November 2026 and 15 February 2027 respectively.
Eligible Transactions and eligible merchant codes shall be classified according to the merchant codes / transaction types as defined by Visa or determined by the respective merchant's acquiring bank, and at the sole and absolute discretion of Hang Seng. Hang Seng has no obligation to clarify which transactions are eligible for the +FUN Dollars / yuu Points before the Customers conduct the transactions. The decision on the Eligible Transaction definition of Hang Seng shall be final.
Hang Seng will determine the eligibility of the customers for all +FUN Dollars / yuu Points to be rewarded based on the transactions records held by Hang Seng. In case of any disputes, Hang Seng’s records shall be final and conclusive.
The extra +FUN Dollars / yuu Points will be credited into Eligible Credit Card accounts with the highest Eligible Spending maintained in Hang Seng’s record before the designated date. Such credit card accounts must remain valid and in good standing when the relevant +FUN Dollars / yuu Points are credited. The extra +FUN Dollars / yuu Points of 15 July 2026 to 31 October 2026 and 1 November 2026 to 31 January 2027 will be credited into Eligible Credit Card accounts in January 2027 and April 2027 respectively. Customers can log in to Hang Seng Personal e-Banking (if applicable) or call 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
No alteration or cancellation can be made to the registration, and all rewarded +FUN Dollars / yuu Points cannot be transferred or converted into cash under any circumstances. Extra +FUN Dollars / yuu Points rewarded will be rounded down to the nearest dollar / point. The +FUN Dollars / yuu Points less than $1 +FUN Dollar / 1 yuu Point will not be rewarded.
Customers must keep the original sales slips of all posted transactions for verification purpose should any dispute arise. Hang Seng reserves the right to request customers to provide the relevant original sales slips for verification. All sales slips submitted to Hang Seng will not be returned.
Use of +FUN Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. Use of yuu Points is subject to the terms and conditions for Hang Seng enJoy Card Reward Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
Hang Seng enJoy Visa Platinum Card (“enJoy Card”) are rewarded with yuu Points. Please refer to Hang Seng enJoy Card promotion page for Reward Points Programme details.
Hang Seng reserves the right to vary or convert +FUN Dollars / yuu Points to other forms of rewards (including but not limited to points or cash rebates) equivalent to the same values / amounts / earning ratio of the +FUN Dollars / yuu Points to eligible customers from time to time without prior notice.
Unless otherwise specified, this Promotion can be used in conjunction with other +FUN Dollars / yuu Points promotions.
Hang Seng reserves the right to vary or terminate the Promotion at any time and to amend the terms and conditions of the Promotion from time to time without prior notice. In case of any disputes, the decision of Hang Seng shall be final.
No person other than the customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
These Terms and Conditions are subject to prevailing regulatory requirements.
The English version of these terms and conditions shall prevail whenever there is any discrepancy between the English and Chinese versions.