1. The welcome privileges are valid for the customers that have successfully applied for Hang Seng Visa Platinum Commercial Card (“Visa Commercial Card”) for their Authorized Card User(s) (“Cardholder”) from 1 Oct 2022 to 31 Mar 2023 (both dates inclusive) (“Promotion Period”). Each Cardholder who fulfils the spending requirement of HK$5,000 or above within 90 days commencing from card issuance date (“Spending Period”) will be entitled to $400 Cash Dollars (“Welcome Gift”). Each Visa Platinum Commercial Card can enjoy the Welcome Gift offer once under this promotion.
2. Eligible transactions include local and overseas retail spending, billed instalments made during the Spending Period, but exclude the redemption of Cash Dollars/Merchant Dollars, use of cash or gift vouchers or other discounts or offers, online bill payments via Hang Seng Business e-Banking (including but not limited to water bills, electricity bills, insurance premiums, payment to other banks and credit cards, etc.), tax payments, phone / fax orders (including bill payments and purchases), cash coupon purchase, 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, 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.), cash advances, handling fee for cash advances transactions, casino chip purchases, auto pays, any transactions under recurring payment instruction, annual fees / handling fees / finance charges / late charges of credit cards, any transactions which are eventually cancelled / returned/ refunded/ found to be fraudulent. Only net spending amount is eligible for calculating the designated spending amount. In case of any dispute, the records of Hang Seng Bank Limited (“Hang Seng”) shall be final and conclusive.
3. Hang Seng has the sole and absolute discretion in determining the eligibility of the customer and the Cardholder for the Welcome Gift based on the transaction records held with Hang Seng.
4. The Welcome Gift will be credited to the relevant Cardholder’s Visa Platinum Commercial Card account within 2 months after the Spending Period upon the Cardholder who fulfills the relevant spending requirement. The relevant Visa Platinum Commercial Card account should be valid and in good standing when the Welcome Gift is credited.
5. Where any Welcome Gift has been credited to the relevant Visa Platinum Commercial Card account and the customer and/or the relevant Cardholder subsequently cancel(s) the Visa Platinum Commercial Card account within 13 months from the date of the Visa Platinum Commercial Card issued, the customer is required to return the equivalent amount of the Welcome Gift to Hang Seng. Hang Seng reserves the right to deduct an amount equivalent to the Welcome Gift awarded to the Cardholder directly from the relevant Visa Platinum Commercial Card account with prior notice.
6. The original sales slips of all posted transaction(s) must be kept. Hang Seng reserves the right to request to provide the relevant original sales slips for verification. All sales slips submitted to Hang Seng will not be returned.
7. Use of Cash Dollars is subject to the terms and conditions of Hang Seng Commercial Card Membership Rewards Program. For details, please call our 24-hour Hang Seng Credit Card Customer Service Hotline 2998 8222.
8. The Welcome Gifts is not transferrable, and cannot be exchanged for cash or other products.
9. No person other than the customer, the Cardholder 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.
10. Hang Seng reserves the right to suspend, alter or terminate the above welcome privileges; and vary these terms and conditions at any time without prior notice. In case of any disputes, Hang Seng reserves the right of final decision.
11. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
12. These Terms and Conditions are subject to prevailing regulatory requirements.
13. In the event of any discrepancy or inconsistency between the English version and the Chinese version of these terms and conditions, the English version shall apply and prevail.

# 24-hour Business Partner Direct - Mainland (Toll-free) allows you to contact us for free even when staying in Mainland China. This hotline is applicable to general enquiries on commercial banking services only, but not enquiries/transactions of investment related matters. The toll-free hotline can be accessed from mobile lines, fixed telephone lines, payphones and call cards. Please note that Hang Seng Bank Limited (the "Bank") assumes no responsibilities for charges by any phone/telecommunications service providers, as well as all claims, disputes and complaints in relation thereto.