Hang Seng Card Products

Online Spending Privileges
Hang Seng Credit Card is breaking new ground in online spending - Cash Dollars and Interest-free Instalment Plans are now available online to bring you double spending privileges. What’s more, coupled with the enhanced services from "One-Time Password" and "Digital Wallet", plus Online Spending Cash Dollars Rewards and fabulous merchant offers, a brand new online shopping experience is to start under your fingertips.

Hang Seng Credit Card Rewards Programme
For every HKD250 retail spending with your card, you can earn $1 Cash Dollar which can be used as instant cash at over 7,600 designated merchant outlets throughout Hong Kong, or to redeem cash coupons. You will earn Merchant Dollars of the specific merchant on top of Cash Dollars for every spending at the Merchant Dollars Designated Merchants. You can use the cumulative Cash Dollars and Merchant Dollars as cash concurrently for the next purchase at the same designated merchants.

Hotel Dining Privileges and Discounts at Selected Merchant Outlets
Enjoy up to 20% discount at the designated restaurants of JW Marriott Hotel Hong Kong, Island Shangri-La, Hong Kong, Kowloon Shangri-La, Hong Kong, Conrad Hong Kong, InterContinental Hong Kong, Sheraton Hong Kong Hotel & Towers, W Hong Kong and The Mira Hong Kong. You can also enjoy discounts at over 4,600 merchant outlets in town throughout the year, including renowned restaurants, luxury stores, leisure destinations and more.

Up to 2.4% Cash Dollars Rebate on Overseas Spending / Online Shopping
From now till 30 June 2019, starting from the month of successful registration, when you have accumulated a monthly retail spending of HKD5,000 or above with your enJoy card, you can earn up to 2.4% Cash Dollars rebate on overseas spending / online shopping made in that month. Terms and conditions apply, please click "More" for details.

	For every HKD100 spending with MUJI Card at MUJI, you will earn $5 MUJI Dollars⁽²⁾ that can be used as cash for next purchase at MUJI. You can also enjoy Hang Seng Credit Card Cash Dollars on all spending.
	For every accumulated spending of HKD5,000⁽³⁾ with MUJI Card at MUJI, an extra $50 MUJI Dollars will be rewarded.
	Accumulated MUJI Dollars and Hang Seng Credit Card Cash Dollars can be used as cash concurrently within the same transaction⁽⁴⁾ for next purchase at MUJI, so you can save even more everytime you shop.
	Enjoy 10% off at Café&Meal MUJI⁽⁵⁾ with MUJI Card.
	Receive a MUJI Birthday Coupon⁽⁶⁾ in your birthday month.
	Receive MUJI Card newsletter that keeps you up-to-date on upcoming MUJI products and exclusive offers.

(1)	Principal Card customer who does not own and has not owned any personal Credit Card Principal Card (except The Hong Kong Jockey Club Membership Card, Prestige World Mastercard, enJoy Card and Hang Seng CUP Credit Card) issued by Hang Seng in the past six months, and who is applying for his/her first Hang Seng Credit Card, will be entitled to a Perpetual Annual Fee Waiver; otherwise, One-year annual fee waiver (applicable for general customers) / seven-year annual fee waiver (applicable to full-time university / tertiary students) will be offered; Supplementary Card customers can enjoy the same annual fee waiver as the Principal Card customer when applied at the same time.
(2)	MUJI Dollars are valid for 15 months, counting from the MUJI Card annual anniversary month. Use of MUJI 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.
(3)	Accumulated spending will be calculated in every June and December. Extra MUJI Dollars will be credited to the customer's MUJI Card account in every August and February respectively, and the card account must still be valid and in good condition when the extra MUJI Dollars are credited.
(4)	When the customer chooses to redeem MUJI Dollars and Hang Seng Credit Card Cash Dollars (""Cash Dollars"") upon purchase at MUJI, MUJI Dollars would be debited first until all MUJI Dollars accumulated in the card account have been used up, then the Cash Dollars in the card account would be debited until the total amount of the transaction is paid up. If the sum of all the accumulated MUJI Dollars and Cash Dollars is not sufficient to settle the bill, the outstanding transaction amount would be charged to the MUJI Card account.
(5)	Terms and Conditions of 10% off at Café&Meal MUJI for MUJI Cardholders: This offer is applicable to all Café&Meal MUJI stores in Hong Kong. This offer is valid from 1st January 2019 to 31st December 2019, both days inclusive. This offer is valid from Monday to Saturday 14:30 onwards, except public holidays. This offer is applicable to dine-in only. To enjoy this offer, cardholders must present and settle payment with MUJI Card. This offer cannot be redeemed for cash or used in conjunction with any other promotion offers. This offer shall be terminated upon closure of the respective merchant. All products, services and information related to this offer are directly sold and supplied to customers by MUJI who is solely responsible for all related obligations and liabilities. Offer is governed by these terms and conditions and other terms and conditions stipulated by MUJI (Hong Kong) Company Limited (‘MUJI’). Hang Seng Bank Limited (""Hang Seng"") and MUJI reserve the right to suspend, revise or terminate the offer at any time and to amend the terms and conditions thereof from time to time. In case of any disputes, the decision of Hang Seng and MUJI 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. In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.
(6)	Please refer to the MUJI Birthday Coupon for details of the Terms & conditions.
(7)	The spending limit on each purchase is set at HKD500 or HKD1,000 at the discretion of individual merchants. Transaction over HKD500 / HKD1,000 has to go through the normal credit card spending transaction procedures and customer must sign on the credit card sales slip in order to complete the payment transaction.

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