The welcome privileges are valid for Authorized Card User (“Cardholder”) who submits Hang Seng UnionPay RMB Diamond Commercial Card (“UnionPay Commercial Card”) application(s) between 1 Oct 2022 to 31 Mar 2023 (both dates inclusive) (“Promotion Period”) in which the application(s) is/are successfully approved. Upon spending accumulated transaction amount of CNY$5,000 or above on Eligible Transactions within 90 days commencing from card issuance date (“Spending Period”), Cardholder will be entitled to HK$400 Mannings Cash Voucher (“Welcome Gift”).

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. Hang Seng will determine the eligibility of the customers for all welcome gifts based on transaction records held by Hang Seng. In case of discrepancy, Hang Seng’s records shall be final and conclusive.

If a customer has received the Welcome Gift and subsequently cancels the UnionPay Commercial Card account within 13 months from the date of the account opening, a handling fee of an equivalent amount with the value of the welcome offer received will be charged.

Gift redemption letter will be sent to the Cardholder within 60 days after the Spending Period. For details of redemption and its related terms and conditions, please refer to the redemption letter.

The relevant Commercial Card account(s) must be valid and in good credit condition when the gift redemption letter is sent.

All products and services related to the gift are directly supplied by the supplier who are solely responsible for all related obligations and liabilities. Hang Seng Bank Limited ("Hang Seng") and UnionPay accept no liability for the quality of goods and services supplied by the supplier or the availability of the products. Any disputes or complaints arising from the products shall be resolved directly between the Cardholder and the supplier.

Customers are required to keep original sales slips of all posted transaction(s). 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.

No person other than 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.

Hang Seng reserves the right to alter or terminate the above welcome privileges and relevant terms and conditions. In case of any disputes, Hang Seng reserves the right of final decision.

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.

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.