Terms and Conditions for the Offer of up to an 10X extra Cash Dollars Rebate / yuu Points:

  1. The promotion period is from 1 October 2021 to 31 December 2021 (“Promotion Period”).
  2. This promotion is applicable to personal customers but not applicable to corporate customers of Hang Seng Bank Limited (“Hang Seng Bank”).
  3. To enjoy this promotion, policyholders are required to settle the premium by using their own Hang Seng Credit Card, Affinity Card, Commercial Card, Business Card or Spending Card (“Eligible Credit Card”), but not with Hang Seng UnionPay Renminbi Diamond Commercial Card and Private Label Cards.
  4. This promotion is only applicable to members of Hang Seng Olive Wellness App (“Hang Seng Olive”) who enter the registration page and successfully register their Eligible Credit Card number and policy number via Hang Seng Olive on or before 28 February 2022 (“Qualified Customer”).
  5. To enjoy the offer, Qualified Customer is required to successfully apply for Bupa Hero VHIS Plan (F00040) at Hang Seng Bank and settle the premium by annual payment mode with their Eligible Credit Card, then successfully register their Eligible Credit Card number and policy number online during the Promotion Period. Qualified Customers can enjoy the offer as the policyholder for multiple different policies. For each policy, only the first registration will be eligible for the offer.
  6. “Eligible Application” refers to any successful application for Bupa Hero VHIS Plan (F00040). The above plan is certified by the Food and Health Bureau of Hong Kong and is underwritten by Bupa (Asia) Limited ("Bupa") which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Bupa for distribution of this plan. Any application with unposted/ cancelled/ refunded premium will not qualify as Eligible Applications for the purposes of this promotion.
  7. Please refer to the below table for details of the extra Cash Dollars / yuu Points. Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card (“enJoy Card”) are rewarded with yuu Points. Please refer to hangseng.com/enjoycard for the details relating to yuu Points.
    Designated Medical Insurance Plan Hang Seng Olive Membership Extra Cash Dollars Rebate /yuu Points Maximum extra Cash Dollars Rebate (applicable to all Eligible Credit Card except Hang Seng enJoy Cards) Maximum extra yuu Points (applicable to Hang Seng enJoy Cards)
    Bupa Hero VHIS Plan (F00040) VIP Gold / VIP Silver 10X Cash Dollars Rebate /yuu Points No maximum cap No maximum cap
    Bronze 5X Cash Dollars Rebate /yuu Points
  8. The extra Cash Dollars / yuu Points will be credited into the Eligible Credit Card accounts by 31 March 2022. Such credit card accounts should remain valid and in good credit standing when the relevant Cash Dollars / yuu Points are credited. Customer can log on to Hang Seng Personal e-Banking (if applicable) or call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
  9. Spending amount is calculated based on one single credit card account.
  10. Extra Cash Dollars reward / yuu Points will be calculated based on the amount of each individual Eligible Application. The Cash Dollars reward / yuu Points rewarded will be rounded down to the nearest dollar. Any Cash Dollars reward of less than $1 Cash Dollar / yuu Points less than 1 point will not be rewarded.
  11. Use of Cash Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 for details. For redemption of yuu Points, Qualified Customers have to link the enJoy Card to the relevant reward points programme, subject to the terms and conditions of Hang Seng enJoy Card Reward Points Programme, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 for details.
  12. No alteration or cancellation can be made to the registered information, and all rewarded Cash Dollars rebate / yuu Points cannot be transferred or converted into cash under any circumstances.
  13. Only policyholder(s) whose policy(ies) of the Designated VHIS Plans is/are still effective on or before 28 February 2022 and before the extra Cash Dollars/yuu Points fulfillment will be eligible for the extra Cash Dollars/yuu Points, subject to all the terms herein.
  14. Any transactions which are eventually cancelled / returned or found to be fraudulent will be considered as ineligible transactions which are not applicable to this promotion and extra reward will not be rewarded.
  15. This promotion is jointly offered by Hang Seng Bank and Hang Seng Insurance. In case of any discrepancy arising out of the promotion, the decision of Hang Seng Bank and Hang Seng Insurance shall be final and conclusive.
  16. Hang Seng Bank reserves the right to vary or convert Cash Dollars reward / yuu Points to other forms of rewards (including but not limited to points or cash reward) equivalent to the same values / amounts / earnings ratio of the Cash Dollars to eligible customers from time to time without prior notice.
  17. This offer can be used in conjunction with other Life Insurance Plans or Health Insurance Schemes’ Cash Dollars Rebate / yuu Points offers.
  18. No person other than the customer, Hang Seng Bank and Hang Seng Insurance (which includes their 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 provisions of these Terms and Conditions.
  19. Hang Seng Bank and Hang Seng Insurance reserve the right of final decision on all matters relating to the above offers, which shall be binding on all the parties concerned. In case of any dispute, the decision of Hang Seng Bank and Hang Seng Insurance shall be final.
  20. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  21. These Terms and Conditions are subject to prevailing regulatory requirements.
  22. In case of any discrepancy between the English and Chinese versions of the terms and conditions, the English version shall prevail.

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


The above plan is certified by the Food and Health Bureau of Hong Kong and is underwritten by Bupa (Asia) Limited ("Bupa") which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Bupa for distribution of this plan. Premium will be payable to Bupa upon enrolment in this plan. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of this plan. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of staff performance but not solely the sales amount. Health Coaching Services is provided by Bupa. In respect of an eligible dispute arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the policy terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.

The above information is a product summary for reference only. Please refer to the Policy for the detailed coverage, general exclusions, terms and conditions.