1.

Welcome gifts for principal cardholders are only applicable to applicants not holding any personal credit card issued by Chong Hing Bank Limited (the "Bank") (including co-branded cards) in the past 12 months.

2.

Each principal card applicant is entitled to the welcome gift for not more than once upon card issuance.

3.

Once the welcome gift has been selected, cardholders cannot alter the selection or exchange the gift.

4.

If the applicant does not indicate the welcome gift preference, the welcome gift by default will be the ‘30,000 “Point-to-Gift” Bonus Points Rewards’ for principal cardholders.

5.

If the principal cardholder cancels the card within 13 months from the date of card issuance, the Bank reserves the right to debit the cost of the welcome gift from the cardholder's credit card account without any notice.

6.

The Bank reserves the right to change the terms and conditions of the above promotion from time to time without any notice. The relevant amendment will be available for reference at the Bank’s local branches or in its website.

7.

The Bank reserves the right of final decision in case of disputes.

1.

For principal cardholder with accumulated retail spending(s) and/ or cash advance(s)^ of HK$2,000 or above using the new Card within the first 2 months from its issuance, the Bank will credit a donation of HK$150 to Wah Yan One Family directly.

2.

The Bank will arrange for the donation to Wah Yan One Family within 2 months after fulfillment of the prescribed spending requirement by the principal cardholder.