Hang Seng Card Products – HKBU Credit Card

Hong Kong Baptist University Credit Card

Hong Kong Baptist University Credit Card - Signifies your special status and entitles you to a range of exclusive benefits and services. You also contribute to your University every time you spend!

Fabulous Welcome Offers

Successfully apply for a University / College Affinity Card, you can enjoy an array of fabulous welcome offers.

Benefitting University Development

Hang Seng Bank will donate part of the total spending of Principal and Supplementary Card customers to HKBU for support of campus enhancement projects, student activities and alumni affairs development.

Exclusive Privileges⁽¹⁾ for Hong Kong Baptist University Credit Card

	Enjoy 30% off at Starbucks on Baptist University Road Campus, Pacific Coffee on Shaw Campus and Ho Sin Hang Campus
	Enjoy 10% off at Bistro Bon (NTT International House) and 10% service charge will be waived
	Enjoy 20% off the food and beverage at BU Fiesta (Baptist University Road Campus)
	10% service charge will be waived at Renfrew Restaurant (Shaw Campus)
	Enjoy an annual fee discount on the HKBU Sports Centre User Card (For Principal Cardholders only)
	HKBU graduates who are qualified to apply for the library borrower card can enjoy a 1-year annual fee waiver on his/her library borrower card application
	Enjoy 20% off for medical consultation at HKBU Mr. & Mrs. Chan Hon Yin Chinese Medicine Specialty Clinic and Good Clinical Practice Centre (Kowloon Tong), HKBU Tsimshatsui Chinese Medicine Clinic (Tsim Sha Tsui), HKBU Chinese Medicine Specialty Centre (Tsim Sha Tsui), HKBU School of Chinese Medicine – Lui Seng Chun (Prince Edward), HKBU ‒ Jockey Club Chinese Medicine Disease Prevention and Health Management Centre (Prince Edward), HKBU HK Island Wei Ke Qiang Chinese Medicine Specialty Clinic (Sheung Wan), Haven of Hope – HKBU Chinese Medicine Specialty Clinic (Causeway Bay), The Hong Kong Anti-Cancer Society - HKBU Chinese Medicine Centre (Wong Chuk Hang), HKBU Chinese Medicine Specialty Clinic (North Point) and HKBU Chinese Medicine Clinic (Jockey Club Cadenza Hub) (Tai Po).
	Enjoy 20% off the tuition fees for short courses of School of Continuing Education of HKBU (i.e. for courses in which Certificates of Attendance will be issued)
	Enjoy a 6-month or 12-month interest-free instalment plan for payment of tuition fees for courses of School of Continuing Education of HKBU⁽²⁾⁽³⁾

University / College Affinity Credit Card "Up to 5x Cash Dollars Self-enhancement Reward"

Earn up to 5x Cash Dollars for every purchase at local or online bookstores, payment on courses held by local and overseas universities/institutions (according to the reimbursable course list of The Continuing Education Fund ) or payment on local and overseas public examination fees with the card.

Hang Seng Credit Card Privileges

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 7,000 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 4,700 merchant outlets in town throughout the year, including renowned restaurants, luxury stores, leisure destinations and more.

Earn up to 6x Cash Dollars Throughout the Year
From 1 January to 31 December 2018 , upon successful registration, you will be rewarded up to 6x Cash Dollars throughout the year starting from the registration month when you make overseas / online / interest-free instalment transactions with Hang Seng Credit Card, upon accumulated monthly retail spending of HKD5,000 or above.

Mobile Payment Services

Customers can pay with Hang Seng Credit Card using Apple Pay, Google Pay™ or Samsung Pay to experience a secure, simple and speedy way of payment, while enjoying the benefits of Hang Seng Credit Card^#. For products and services information, terms and conditions, please visit hangseng.com/mobilepayment.

Remark:
Apple Pay is trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is trademark of Google Inc..
Samsung Pay is a trademark of Samsung Electronics Co., Ltd.

# For some merchants, customers are required to do the transaction with a physical card in order to enjoy the relevant offers, please consult respective merchants for details. Payment with Mobile Payment Services by using Hang Seng Credit Cards is not applicable to Cash Dollars / Merchant Dollars Redemption. Customer can only redeem Cash Dollars / Merchant Dollars by using their physical card during transactions.

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Useful Tools

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Notes and Remarks

(1)	Customers may enquire the relevant merchants / associations for the latest offers before undertaking transaction. Hang Seng Bank Limited ("Hang Seng") and the relevant merchants / associations will not be liable for any loss to customers due to changes of the offers. Hang Seng and each relevant merchant / association reserve the right to revise the Terms and Conditions of each corresponding offer from time to time. All products, services and information regarding this promotion are directly sold and supplied to customers by each of the participating merchants, who is solely responsible for all related obligations and liabilities. In case of any dispute, Hang Seng and each relevant merchant / association reserve the right of final decision.
(2)	Customer is required to pay the related one-off handling fee for interest-free instalment plan and the instalment amount must be HKD1,000 or above (excluding the related one-off handling fee). The one-off handling fee will be 2% of the total instalment amount for a six-month instalment plan, and 2.5% of the total instalment amount for a 12-month instalment plan. The annualised percentage rate (APR) of one-off handling fee is as follows: 7.15% for 6-month instalment, 4.78% for 12-month instalment. The APR is calculated based on the requirement of the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualised rate. The one-off handling fee will be posted in full amount to the relevant credit card account on the date to be decided at the sole discretion of Hang Seng. Hang Seng reserves the right to change the handling fee. Please contact the branch staff of Hong Kong Baptist University for details.
(3)	No finance charge is payable by the customer who makes full repayment of the statement balance specified in the customer's credit card account statement on or before the payment due date of each month. If the customer fails to make full repayment of the statement balance specified in the customer’s credit card account statement on or before the payment due date of each month, the customer shall pay a finance charge on all outstanding balance on the credit card account pursuant to the relevant Hang Seng credit card cardmember agreement governing the use of the credit card account. The customer shall pay a finance charge and other charges on any monthly instalment amount due but unpaid, and the finance charge thereby shall be levied from the post date of such monthly instalment amount due but unpaid, and shall be calculated at the prevailing interest rate applicable to the credit card account.

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

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