創興信用卡客戶專享本地餅店節日消費禮遇賺取高達4倍積分獎賞

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由即日至2021年9月22日，憑創興信用卡於本地餅店單一簽賬滿港幣250元或以上，尊享高達4倍積分獎賞，即每簽賬港幣1元可獲4分信用卡積分。

請即前往本地餅店，選購您與家人朋友喜愛的美味餅食甜品迎接佳節!

優惠受條款及細則約束
借定唔借? 還得到先好借!

創興信用卡餅店節日消費禮遇一般條款及細則

1.	創興信用卡餅店節日消費禮遇(「優惠」)之優惠期為2021年9月7日至2021年9月22日，包括首尾兩日(「優惠期」)。
2.	優惠只適用於持有由創興銀行有限公司 (「本行」) 發出的創興信用卡／創興聯營信用卡 (「創興信用卡」) 的主卡及附屬卡持卡人(「客戶」)。創興公司卡持卡人及本行員工不獲享此優惠。
3.	客戶必須於優惠期內以創興信用卡於本地餅店單一簽賬滿本行指定金額方可具資格享有關優惠。「本地餅店簽賬」是指於香港的餅店，即根據VISA／Mastercard／銀聯卡組織之商戶編號被釐定為餅店(「本地餅店」)的港幣簽賬所進行並已誌賬的港幣合資格簽賬。為免產生疑問，以下類別的簽賬並不屬於本地餅店簽賬：設於百貨公司／超級市場／酒店／餐廳內的餅店專櫃、已被取消／正在進行索償／退貨及／或退款的簽賬或本行不時指定的其他類別簽賬。客戶的簽賬是否被界定為本地餅店簽賬，由本行全權及絕對酌情決定。本行的決定為最終決定，而該決定對所有客戶、持卡人及本優惠計劃參與者具有約束力。
4.	每位創興信用卡主卡客戶於優惠期內最多可享額外6,000積分獎賞。客戶於不同的創興信用卡賬戶所累積的本地餅店簽賬將合併以計算優惠獎賞，並將獲發的獎賞於2021年12月31日或之前誌入至優惠期內於本地餅店簽賬累積消費金額最高之創興信用卡賬戶內。如適用的創興信用卡賬戶設有附屬卡，經附屬卡完成的本地餅店簽賬將被視為其主卡的本地餅店簽賬以計算優惠獎賞。
5.	積分獎賞均不可兌換現金或服務，亦不得轉讓。如合資格客戶之適用獎賞計劃為「現金回贈」，額外積分獎賞將以0.5%之兌換率轉換為等值之現金回贈金額(如適用)。
6.	本行會根據本行紀錄內的交易誌賬日期及時間決定任何交易是否符合本優惠計劃的獎賞資格。如客戶的交易紀錄與本行的紀錄不符，概以本行的紀錄為準，但因明顯謬誤、本行的欺詐、失責或疏忽而引致者則除外。所有本地餅店簽賬交易以交易日期計算，並須於優惠期內完成。
7.	符合有關所需簽賬要求且獲發之額外3倍積分獎賞優惠將於2021年12月31日或之前誌入相關客戶有關信用卡賬戶內，並顯示於相關月結單上。
8.	本條款及細則受中華人民共和國香港特別行政區法律管轄，並按其詮譯，但《合約(第三者權利)條例》(香港法例第623章)不適用於本優惠推廣、優惠、有關獎賞或本條款及細則。客戶、持卡人及本優惠推廣參與者確認同意受本行之依據個人資料(私隱)條例致客戶及其他人士通知書個人資料（私隱）條例致客戶及其他人士通知書、收集個人資料聲明及本行私隱政策的條款約束，詳情見本行的網站(www.chbank.com)。
9.	任何虛假、未經許可、已取消或已退款的交易均不會被視為本優惠推廣項下的合資格交易，亦不會獲發優惠或積分獎賞。
10.	客戶的所有信用卡賬戶在推廣期內及誌入獲發獎賞時必須運作正常、有效及信用狀況良好，方可享有奬賞。如客戶信用卡賬戶已取消或有不良紀錄，將不獲發奬賞，有關奬賞將自動被沒收或取消，恕不另行通知。
11.	本行保留在無需事先通知的情況下，可不時更改、暫停、終止或取消上述優惠、奬賞或修訂本條款及細則的酌情權，本行的決定為最終定論，詳情見本行的網站(www.chbank.com)。
12.	有關商戶提供之相關商品／服務之供應量及質素，本行恕不負責。如客戶對有關商品／服務及／或交易有任何爭議／投訴，請直接與有關商戶聯絡。
13.	客戶必須保留有關交易的所有文件正本，如有任何爭議，本行保留要求客戶提供有關簽賬存根正本及／或其他有關文件正本或證據的權利，以作核實，而已遞交的有關文件或證據將不獲發還。
14.	本優惠推廣、優惠奬賞及其他相關奬勵亦須受本行不時更新的有關「賬戶條款」及信用卡之條款及細則約束，就當中任何歧異而言（如有），各條款及細則之凌駕性排序優先為本條款及細則、其次為有關信用卡之條款及細則、然後為有關「賬戶條款」。
15.	本條款及細則的中、英文版本如有任何歧異，概以英文版本為準。
16.	本優惠推廣僅適用於香港。

高達4倍積分獎賞(「4倍積分獎賞」)之條款及細則

17.	客戶於優惠期內，憑創興信用卡於本地餅店單一簽賬滿港幣250元或以上，可享最高4倍積分獎賞，即每簽賬港幣1元可獲4分積分。
18.	4倍積分獎賞包括基本1倍積分獎賞及額外3倍積分獎賞。優惠期內額外積分獎賞之上限為6,000積分獎賞。

越秀集團成員

由即日至2021年9月22日，凭创兴信用卡于本地饼店单一签账满港币250元或以上，尊享高达4倍积分奖赏，即每签账港币1元可获4分信用卡积分。

请即前往本地饼店，选购您与家人朋友喜爱的美味饼食甜品迎接佳节!

优惠受条款及细则约束
借定唔借? 还得到先好借!

创兴信用卡饼店节日消费礼遇一般条款及细则

1.	创兴信用卡饼店节日消费礼遇(「优惠」)之优惠期为2021年9月7日至2021年9月22日，包括首尾两日(「优惠期」)。
2.	优惠只适用于持有由创兴银行有限公司 (「本行」) 发出的创兴信用卡／创兴联营信用卡 (「创兴信用卡」) 的主卡及附属卡持卡人(「客户」)。创兴公司卡持卡人及本行员工不获享此优惠。
3.	客户必须于优惠期内以创兴信用卡于本地饼店单一签账满本行指定金额方可具资格享有关优惠。「本地饼店签账」是指于香港的饼店，即根据VISA／Mastercard／银联卡组织之商户编号被厘定为饼店(「本地饼店」)的港币签账所进行并已志账的港币合资格签账。为免产生疑问，以下类别的签账并不属于本地饼店签账：设于百货公司／超级市场／酒店／餐厅内的饼店专柜、已被取消／正在进行索偿／退货及／或退款的签账或本行不时指定的其他类别签账。客户的签账是否被界定为本地饼店签账，由本行全权及绝对酌情决定。本行的决定为最终决定，而该决定对所有客户、持卡人及本优惠计划参与者具有约束力。
4.	每位创兴信用卡主卡客户于优惠期内最多可享额外6,000积分奖赏。客户于不同的创兴信用卡账户所累积的本地饼店签账将合并以计算优惠奖赏，并将获发的奖赏于2021年12月31日或之前志入至优惠期内于本地饼店签账累积消费金额最高之创兴信用卡账户内。如适用的创兴信用卡账户设有附属卡，经附属卡完成的本地饼店签账将被视为其主卡的本地饼店签账以计算优惠奖赏。
5.	积分奖赏均不可兑换现金或服务，亦不得转让。如合资格客户之适用奖赏计划为「现金回赠」，额外积分奖赏将以0.5%之兑换率转换为等值之现金回赠金额(如适用)。
6.	本行会根据本行纪录内的交易志账日期及时间决定任何交易是否符合本优惠计划的奖赏资格。如客户的交易纪录与本行的纪录不符，概以本行的纪录为准，但因明显谬误、本行的欺诈、失责或疏忽而引致者则除外。所有本地饼店签账交易以交易日期计算，并须于优惠期内完成。
7.	符合有关所需签账要求且获发之额外3倍积分奖赏优惠将于2021年12月31日或之前志入相关客户有关信用卡账户内，并显示于相关月结单上。
8.	本条款及细则受中华人民共和国香港特别行政区法律管辖，并按其诠译，但《合约(第三者权利)条例》(香港法例第623章)不适用于本优惠推广、优惠、有关奖赏或本条款及细则。客户、持卡人及本优惠推广参与者确认同意受本行之依据个人资料(私隐)条例致客户及其他人士通知书个人资料（私隐）条例致客户及其他人士通知书、收集个人资料声明及本行私隐政策的条款约束，详情见本行的网站(www.chbank.com)。
9.	任何虚假、未经许可、已取消或已退款的交易均不会被视为本优惠推广项下的合资格交易，亦不会获发优惠或积分奖赏。
10.	客户的所有信用卡账户在推广期内及志入获发奖赏时必须运作正常、有效及信用状况良好，方可享有奬赏。如客户信用卡账户已取消或有不良纪录，将不获发奬赏，有关奬赏将自动被没收或取消，恕不另行通知。
11.	本行保留在无需事先通知的情况下，可不时更改、暂停、终止或取消上述优惠、奬赏或修订本条款及细则的酌情权，本行的决定为最终定论，详情见本行的网站(www.chbank.com)。
12.	有关商户提供之相关商品／服务之供应量及质素，本行恕不负责。如客户对有关商品／服务及／或交易有任何争议／投诉，请直接与有关商户联络。
13.	客户必须保留有关交易的所有文件正本，如有任何争议，本行保留要求客户提供有关签账存根正本及／或其他有关文件正本或证据的权利，以作核实，而已递交的有关文件或证据将不获发还。
14.	本优惠推广、优惠奬赏及其他相关奬励亦须受本行不时更新的有关「账户条款」及信用卡之条款及细则约束，就当中任何歧异而言（如有），各条款及细则之凌驾性排序优先为本条款及细则、其次为有关信用卡之条款及细则、然后为有关「账户条款」。
15.	本条款及细则的中、英文版本如有任何歧异，概以英文版本为准。
16.	本优惠推广仅适用于香港。

高达4倍积分奖赏(「4倍积分奖赏」)之条款及细则

17.	客户于优惠期内，凭创兴信用卡于本地饼店单一签账满港币250元或以上，可享最高4倍积分奖赏，即每签账港币1元可获4分积分。
18.	4倍积分奖赏包括基本1倍积分奖赏及额外3倍积分奖赏。优惠期内额外积分奖赏之上限为6,000积分奖赏。

越秀集团成员

From now till 22 September 2021, you may enjoy up to 4X bonus points reward upon spending of HK$250 or above with Chong Hing Credit Card in a single transaction payment at Local Bakery shops, i.e. 4 bonus points will be rewarded for every HK$1 spending.

Visit Local Bakery shops now, select the delicious cakes and dessert for you, your family and friends to celebrate the festive season!

Terms and Conditions Apply
To borrow or not to borrow? Borrow only if you can repay!

General Terms and Conditions of Chong Hing Credit Card Festival Bakery Spending Privileges

1.	The promotion period of Chong Hing Credit Card Festival Bakery Spending privileges (“Privilege”) is from 7 September 2021 to 22 September 2021, both dates inclusive (“Promotion Period”).
2.	The Privilege is applicable to the principal cardholders and supplementary card cardholders ( “Cardholders”) of Chong Hing Credit Cards/ Chong Hing Affinity Cards ( “Chong Hing Credit Cards”) issued by Chong Hing Bank Limited (the “Bank”). The Privilege is not available to cardholders of Chong Hing Corporate Card and all of the Bank staff members.
3.	To be eligible to the Privilege, Cardholder is required to spend not less than the Bank’s designated amount under a single transaction during the Promotion Period at any Local Bakery shops with Chong Hing Credit Cards. “Local Bakery Spending” refers to all posted eligible spendings in Hong Kong Dollars at bakery shops in Hong Kong which are classified as bakery shops (“Local Bakery”) according to the merchant codes issued by VISA / Mastercard / UnionPay. For the avoidance of doubt, spendings of the following types of transactions do not fall under the scope of Local Bakery Spending: spendings at bakery consignment counters in department stores / supermarkets / hotels / restaurants, transactions that have been subject to cancellation / charge-back / return of goods and/ or refund or any other types of transactions specified by the Bank from time to time. The Bank has the rights at its sole and absolute discretion to decide whether Cardholder’s spending is classified as Local Bakery Spending, and the decision of the Bank is final and binding on all Cardholders, customers and participants of this promotion programme.
4.	Each principal Cardholder of Chong Hing Credit Cards may earn up to a maximum of 6,000 extra bonus points reward during the Promotion Period. Local Bakery Spendings accumulated in different Chong Hing Credit Card accounts of a Cardholder will be combined for calculating the reward redemption of the Privilege, and the reward granted will be credited into the eligible Chong Hing Credit Card account on or before 31 December 2021 based on the highest cumulative Local Bakery Spending amount during the Promotion Period. If there is a supplementary card under the applicable Chong Hing Credit Card account, Local Bakery Spending under a supplementary card will be deemed as the Local Bakery Spending under its principal card for calculation of the reward redemption of the Privilege.
5.	Bonus points are not redeemable for cash / services and are not transferable. Extra bonus points will be converted into cash rebate at the exchange rate of 0.5% if the applicable reward programme of an eligible Cardholder is under the “Cash Rebate” scheme.
6.	Eligibility of any transactions for the reward purpose of this promotion programme shall be determined based on the transaction posting date and time in the Bank’s record. If there is any discrepancy between the Bank’s record and the Cardholder’s transaction record, the Bank’s record shall prevail (save for manifest error, breach, negligence or fraud of the Bank). All Local Bakery Spending transactions shall be based on the transaction dates and have to be completed during the Promotion Period.
7.	After fulfilling the relevant spending requirements, the extra 3X bonus points reward granted will be credited to the relevant Credit Card account of the Cardholder on or before 31 December 2021 and will be shown in the card statement concerned.
8.	These terms and conditions shall be governed by and constructed according to the laws of the Hong Kong Special Administrative Region (“Hong Kong”) of the People’s Republic of China but the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) shall not apply to this promotion programme, its Privilege, relevant rewards or these terms and conditions. The Cardholders, customers and participants of this promotion programme acknowledge that they are subject to the Bank’s Notice to Customers and other Persons relating to the Personal Data (Privacy) Ordinance, Personal Information Collection Statement and privacy policy statement of the Bank, which are available at the Bank’s website (www.chbank.com).
9.	All fraudulent, unauthorised, cancelled or refunded transactions will not be regarded as eligible transactions under this promotion programme, and will not be eligible to any Privilege or bonus points reward.
10.	To be eligible for the rewards, all the Cardholder’s credit card accounts shall be under normal operation, valid and in good standing throughout the Promotion Period and at the time when the granted bonus points are credited thereto. In the event of termination of a credit card account or the card account of the Cardholder with bad credit record , the reward granted will be forfeited or cancelled automatically forthwith without any notice.
11.	The Bank reserves the right to change, suspend, terminate or cancel the Privilege, reward or to amend these terms and conditions from time to time at its sole discretion without prior notice, which shall be available at the Bank’s website (www.chbank.com).
12.	The Bank will not be responsible for the availability and quality of the relevant products / services provided by the merchants with whom the Cardholders shall directly liaise for any complaint / dispute regarding the relevant products / services and / or transactions.
13.	Cardholders must retain all original transaction sales slips. In case of any dispute, the Bank reserves the right to request the Cardholder to provide the original transaction sales slip(s) and/ or such further original documentation or evidence for verification. All sales slips and/ or such further documentation or evidence submitted to the Bank will not be returned.
14.	This promotion programme, reward of the Privilege and other relevant rewards are also subject to the Account Terms, terms and conditions of the Cardholder Agreements of the Bank as may be updated from time to time. In the event and to the extent of any inconsistency, the priority of precedence shall be in the descending order of these terms and conditions, the terms and conditions of relevant the Cardholder Agreements and Account Terms.
15.	In case of any inconsistencies between the English and Chinese versions of these terms and conditions, the English version shall prevail.
16.	The promotion programme shall be available within Hong Kong only.

Terms and Conditions of up to 4X Bonus Points Reward (“4X Bonus Points Reward”)

17.	Cardholder may enjoy up to 4X Bonus Points Reward by spending HK$250 or above with Chong Hing Credit Card in a single transaction at Local Bakery shops during the Promotion Period , i.e. 4 bonus points will be rewarded for every HK$1 spending.
18.	4X Bonus Points Reward includes the basic rewards of 1X bonus points and extra 3X bonus points. A maximum of 6,000 extra bonus points reward may be earned during the Promotion Period.

A Member of Yuexiu Group