* iPhone for Life programme is offered by Citibank (Hong Kong) Limited (“Citibank”), The HongKong and Shanghai Banking Corporation Limited (“HSBC”), Hang Seng Bank Limited (“Hang Seng”) and Standard Chartered Bank (Hong Kong) Limited ("SCB"). Guaranteed buy-back value is provided by 1O1O.
Designated bank < Terms and Conditions for iPhone for Life Programme> (please visit related bank website for details):
Example for reference: Customers who purchase iPhone 14 128GB (handset price is HK$5,699) and join iPhone for Life. Customers can enjoy interest-free instalment plan, and designated "Guaranteed Buy-Back Value". Detail calculations:
| iPhone 14 handset price: |
HK$5,699 |
| Instalment period: |
35 months |
| Instalment payment: |
HK$162 per month (1) |
| "Guaranteed Buy-Back Value": |
HK$1,791 (2) |
Total instalment amount for the first 24 months: HK$162 (1) per month x 24 months = HK$3,907 (approximately 69% of handset price)
• Customers can return the iPhone to a designated 1O1O Center on the 24th month to receive the "Guaranteed Buy-Back Value" with an option for upgrading to a newer iPhone model, or choose to keep the iPhone and continue the instalment payment until the 35th month (total HK$5,699).
"Guaranteed Buy-Back Value": Handset price plus prepayment - total paid instalment amount of first 24 months = HK$$5,699-HK$3,907.9 = HK$1,791.1 (1) (approximately 31% of handset price)
Remark: Above sample is for illustration only.
(1) The monthly instalment payment amount is subject to the designed credit card bank, monthly instalment payment amount and percentage are subject to the consideration of places of decimal in calculation. Example: customers purchase an iPhone 14 128GB and join 35 months instalment period, monthly instalment amount for the first 24 months is HK$162.8 (handset price HK$5,699 / 35 months = HK$162.8) and total instalment amount for the 24 months is HK$3,907.2. On the 24th month, customers can choose to return the iPhone to enjoy the "Guaranteed Buy-Back Value" of HK$1,791.1.
(2) Valued at approximately 31% of handset price.
# Promotion valid until 31 August, 2023. Only applicable to selected customers ("Customers") of Credit Cards issued by Citibank (Hong Kong) Limited, The HongKong and Shanghai Banking Corporation Limited (and its successors and assigns), Hang Seng Bank Limited and Standard Chartered Bank (Hong Kong) Limited. Must subscribe to a designated 5G service plan with iPhone 14 at 1O1O Center, and apply for iPhone for Life program within the specified time and pay the handset price with the designated credit card. Must subscribe to a designated VAS to the value of HK$39/month or above, and agree to a commitment period of 36 months or above. An Administration Fee of HK$18 per month is payable in respect of all service plans. Eligible customers can enjoy approximately 69% of handset price for the first 24 months, and the 25th installment is approximately 31% of handset price (also equal to the guaranteed buy-back value). Within 25 days after the 24th monthly statement date of the designated credit card, customers can choose to return the iPhone to a designated 1O1O Center to receive the guaranteed buy-back value (also equal to the 31% of handset price) with an option for upgrading to a newer iPhone model, or choose to keep their iPhone. Please visit 1O1O’s website for service plan details and Terms & Conditions. iPhone for Life program is provided by Citibank (Hong Kong) Limited, The HongKong and Shanghai Banking Corporation Limited, Hang Seng Bank Limited and Standard Chartered Bank (Hong Kong) Limited.
@ Promotion valid until 31 August, 2023. Only applicable to selected customers ("Customers") of Credit Cards ("Approved Credit Cards") issued by Citibank (Hong Kong) Limited, The HongKong and Shanghai Banking Corporation Limited (and its successors and assigns), Hang Seng Bank Limited and Standard Chartered Bank (Hong Kong) Limited. Must purchase a designated iPhone 14 series handset (only applicable to iPhone 14/ 14 Plus/ 14 Pro/ 14 Pro Max, maximum 2 handsets for each customer) at 1O1O Center, and apply for iPhone for Life program within the specified time and pay the special standalone handset price with the designated Hang Seng credit card. Eligible customers can enjoy approximately 71% of special standalone handset price for the first 24 months, and the 25th installment is approximately 29% of special standalone handset price (also equal to the guaranteed buy-back value).
Within 25 days after the 24th monthly statement date of the designated credit card, customers can choose to return the iPhone to a designated 1O1O Center to receive the guaranteed buy-back value (also equal to the 20% of handset price plus prepayment) with an option for upgrading to a newer iPhone model, or choose to keep their iPhone. Please visit 1O1O’s website for service plan details and Terms & Conditions. iPhone for Life program is provided by Citibank (Hong Kong) Limited, The HongKong and Shanghai Banking Corporation Limited, Hang Seng Bank Limited and Standard Chartered Bank (Hong Kong) Limited.
Δ Extra-low monthly payment refers to the comparison between the first 24 installments and the 24-month installment payment with a normal credit card.
* The act of returning a product must comply with the below Terms & Conditions:
Merchant Product Return Terms and Conditions:
- Customers shall have the Product Return Option provided by the CSL Mobile Limited (“CSL”/”We”) to return the Product within 25 days after the 24th month from transaction date under the Plan to receive the Buy-Back Value, subject to the conditions hereunder from the Merchant and “1O1O iPhone for Life Trade-in Service”.
- Upon successful assessment by us of the returned Product based on the Device Acceptance Criteria herein, and subject to customer’s full compliance of the Merchant Product Return Terms and Conditions, 1O1O iPhone for Life Trade-in Service” and the terms and conditions governing the Plan, we shall pay the Buy-Back Value by crediting directly to the Cardholder’s designated Hang Seng Credit Card account within 21 days counted from the day of returning the Product at our retail store.
- The returned Product shall be subject to functional diagnostics and physical assessment during Product return based on the Device Acceptance Criteria herein.
- We reserve the right to refuse to provide this Trade-in Service to you if the devices that do not comply with below< Device Acceptance Criteria>.
Device Acceptance Criteria
| Eligible Grades |
Remarks |
| Turn ON/OFF |
Device able to turn on |
Device Locks
(iCloud/ Personal Accounts/ Passcode) |
Device able to log out/ remove iCloud/ any personal account/ passcode |
| Screen Glass |
Will be acceptable as long as there are no chip or cracked screen |
| Back & Side Cover |
Heavy scratches & small dents are acceptable as long as there are no cracks |
| LCD Not Working/ Dead Pixels |
Screen shows watermark, black spot, white spot when brightness is adjusted to max and on a white background, it will not be eligible for device return |
| Cracked Screen/ Cover |
Cracked/ chipped screen or cover it will not be eligible for device return |
| Buttons Functionality |
Buttons are responsive and fully functional |
| Battery Defect |
Battery % below 50% will not be acceptable |
| Fingerprint/ Face ID Defect |
Fingerprint & Face ID can be detected upon unlocking the device |
| Camera Defect |
Camera able to focus and take a photo |
| Liquid Damage |
LCD screen doesn’t show traces of watermark or sim tray's liquid indicator is not damped |
| Speaker/ Microphone Defect |
(Automated test in app) Speaker able to produce sound & Mic able to pick up the sound |
- The Product registered for iPhone for Life program must be returned in good condition and functioning properly. Trade-in prices may vary depending on the extent of damage to the returned Product.
- Service on the mobile number registered for iPhone for Life program must be active in the name of the Eligible Cardholder at the 1O1O at the time of the Product returned for trade in.
- The Product Return Option is non-transferrable and shall only be exercised by the Cardholder who signed up for iPhone for Life and purchased the Product from the us with the Eligible Card.
- In the event where the original Product is swapped by Apple Authorized Repair Centre (e.g. warranty claim) or Restart Service, document prove showing the swap shall be provided to us for exercising the Product Return Option.
- The charger and accessories are not required upon returning of the Product.
- Customers shall ensure that all personal data is transferred out and SIM card removed from the returned Product prior to exercising the Product Return Option. These shall be deemed lost and cannot be recovered once the Product is returned and we shall not be held liable for erasure of any personal data remained in the returned Product.
- The title and ownership of the Product shall be transferred to us upon the Product return and payment of the Buy-Back Value by us.
iPhone for Life Trade-in Service (this “Trade-in Service”) Terms and conditions:
- This Trade-in Service is valid from 16 September 2022 until further notice on our official website (https://www.1010.com.hk/en/iphone_for_life) (the “Promotion Period”).
- To be eligible for this Trade-in Service,
- Your trade-in device must be a designated iPhone device purchased from 1O1O Center (except online store) by you under the iPhone for Life Installment Plan (the “Installment Plan”) within the Promotion Period (the “Eligible Device”);
- You must fully comply with our Product Return Terms and Conditions https://www.1010.com.hk/en/iphone_for_life and these terms and conditions;
- Eligible Device must meet all and the Device Acceptance Criteria and any other criteria as determined by us from time to time in its sole discretion. For details, please visit https://www.1010.com.hk/en/iphone_for_life; and
- Trade in Machine must not be altered in any way.
- You must return the Eligible Device to designated 1O1O Center within 25 days after the 24th month from transaction date of the Installment Plan.
- If your Eligible Device meets all the requirements set out in Clause (ii) above as determined by us at our absolute discretion, we will provide you a trade-in price up to 29% of the standalone handset price (apply to standalone) or 31% of the device price (apply to connection plan) of your Eligible Device prevailing at time of your purchase. The actual trade-in price will depend on the condition of your Eligible Device as determined by us in our absolute discretion. We reserve the right to refuse to provide this Trade-in Service to you if the devices that do not comply with.
- Before you return your Eligible Device, you are responsible to ensure all data of your Eligible Device have been permanently erased. We will not be responsible for any loss, retrieval, restoration or transference of personal data from Eligible Device being traded in.
- Once your Eligible Device is traded in, it cannot be reclaimed.
- The Installment Plan is provided to you by We are not the supplier of the Installment Plan, and make no representation or guarantee as to the quality of the Installment Plan and any other goods and services provided by Citibank (Hong Kong) Limited, The HongKong and Shanghai Banking Corporation Limited, Hang Seng Bank Limited and Standard Chartered Bank (Hong Kong) Limited. In case of any enquiry or dispute about the Installment Plan, please contact related bank.
- You will be responsible for any and all remaining payments under the Installment Plan.
- The General Terms and Conditions of 1O1O apply (https://www.1010.com.hk/terms_and_conditions) to the relationship between 1O1O and you in respect of this Trade-in Service.
- We reserve the right to change or terminate this Trade-in Service, or its terms and conditions at any time without prior notice. In the event of dispute, our decision shall be final.
- In the event of inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.
- The iPhone for Life trade-in service is only applicable to designated stores. For designated stores, please refer to the following website https://www.1010.com.hk/en/contactus , the company reserves the right to change the list of stores at any time without prior notice.
“Citi iPhone for Life Plan” Terms and Conditions:
- “Citi iPhone for Life Plan” (the “Plan”) consists of Merchant Installment Plan, a loan provided by Citibank (Hong Kong) Limited (“Citibank”) (the “Merchant Installment Plan” or “Loan”) and Guaranteed Buy-Back Value provided by the designated mobile service providers (the “Guaranteed Buy-Back Value”).
- The Plan applies to cardholders ("Cardholders") of Citi Credit Cards issued by Citibank (excluding Citi Rewards UnionPay Card) (“Eligible Cards” or “Account(s)”).
- The Plan is available at the designated mobile service providers’ outlets including 1O1O and CSL (the "Merchant(s)") and the merchant list may vary from time to time subject to the decision of Citibank. For details, please visit Citibank website.
- Under the Plan, Cardholders may purchase specific iPhone model (the “Product”) from the Merchants and repay the full amount of the merchant sales price of the Product (the “Loan Amount”) by equal monthly installment payments through Eligible Cards according to Merchant Installment Plan. The Plan is governed by these “Citi iPhone for Life Plan” Terms and Conditions, Merchant Installment Plan Terms and Condition (available at https://citibank.hk/mip ), relevant Citi Credit Card Agreement Terms and Conditions, Merchant Product Return Terms and Conditions, and Merchants’ other terms and conditions (available at the Merchants’ websites)
- If the Cardholders enroll the Plan, the Cardholder shall be deemed to have read, agreed, and accepted all the terms and conditions governing the Plan. Citibank and/or the Merchants each reserves the right to vary or change such relevant terms and conditions in any appropriate method at any time without prior notice or accept or decline any application for the Plan without giving any reason therefor.
- Cardholders undertakes to repay the Loan Amount to Citibank by equal monthly installments through the Card (each an “Installment”) with the first Installment being charged on the Plan’s transaction date, and each subsequent Installment will be charged to the Eligible Card on the same monthly calendar day (or the next calendar day if there is no such day) of the Plan’s transaction date until the Loan Amount is fully repaid. Payment of each Installment shall be treated in the same way as any other transactions charged to the Account and subject to all relevant Citi Credit Card Agreement Terms and Conditions. In any event, Cardholders are required to repay the Loan Amount in full to Citibank and is liable for all charges, including without limitation to charges on overdue payments, in accordance with the terms of relevant Citi Credit Card Agreement Terms and Conditions.
- Citibank may at its absolute discretion and at any time without giving any prior notice and reason, (i) not offer the Plan to Cardholder; or (ii) withdraw or cancel the Plan / Loan / Account. Upon the occurrence of any of the aforementioned event, or if the Cardholder cancels the Account, Cardholder shall immediately repay all outstanding liabilities under the Account, including without limitation any amount outstanding under the Loan, to Citibank.
- The Product is provided by the Merchants subject to availability and may be changed from time to time. For details, please contact the Merchants.
- Under the Plan, Cardholders may elect to exercise the Product Return Option provided by the Merchants to return the Product to the respective Merchants to receive the Product’s applicable Guaranteed Buy-Back Value from the respective Merchants (“Product Return Option”), subject to all the following conditions are met by the Cardholders:
- Cardholders must repay each of the equal monthly installment payments according to Merchant Installment Plan under the Plan up to the 24th tenor and the remaining installments in one lump sum payment on the 25th month statement cycle date representing the applicable Guaranteed Buy-Back Value;
- Cardholders may exercise the Product Return Option after the 24th month statement cycle date and return the Product to respective Merchants within the designated period that is stipulated by the Merchants and Citibank;
- Account status must be current and in good standing under all the terms and conditions governing the Plan set out in Clause 4;
- the Product shall meet all the functional conditions and relevant requirements as assessed and designated by the Merchants in accordance with the Product Acceptance Criteria of respective Merchants’ respective Product Return Terms and Conditions (which may be named differently, collectively as “Product Return Terms and Conditions” in below). For details, please contact the Merchants;
- Cardholders must return the Product to the same Merchants from whom the Product was purchased; and
- Cardholders are in full compliance with the Product Return Terms and Conditions and other applicable terms and conditions of respective Merchants. For the details of the Product Return Terms and Conditions of the Merchants, please check with respective Merchants.
- Cardholders shall not be entitled to Product Return Option if any of the conditions set out in Clause 9 is not fulfilled, in such circumstances:
- Cardholders shall not be entitled to receive the Product’s applicable Guaranteed Buy-Back Value from the Merchants, yet he/ she still has to fulfil the obligations or liabilities under the Plan
- Cardholders shall still be responsible for repaying the Loan Amount in full with equal monthly installment payments according to Merchant Installment Plan under the Plan, regardless whether or not Cardholders has exercised the Product Return Option.
- Cardholders shall be responsible for repaying the Loan Amount in full with equal monthly installment payments according to Merchant Installment Plan under the Plan, regardless whether or not Cardholders has exercised the Product Return Option voluntarily or Cardholders has been disqualified for the Product Return Option involuntarily due to the occurrence of any of the aforementioned event.
- The Product Return Option is solely provided by and at the discretion of the respective Merchants, and not by Citibank. Citibank does not guarantee nor warrant the availability of the Product Return Option nor the ability of the Merchants to buy back the Product at the Guaranteed Buy-Back Value in the event the respective Merchant(s) fails to do so for whatever reason, including without limitation in the event of bankruptcy or winding up of the Merchant. The Merchant shall be solely responsible for disputes, enquires, liabilities and complaints in relation to the Product, Product Return Option, and the Guaranteed Buy-Back Value and its related services.
- In the event that the Merchant(s) cease operations (including in the event of bankruptcy or winding up of the Merchant), Cardholders shall be entitled to receive the Product’s applicable Guaranteed Buy-Back Value from the Merchant(s)’ designated trade-in partner (as specified in the Merchant(s)’ official website), without prejudice to his/her obligations under the Plan. Citibank shall not in any event be liable for any failure by the Merchant(s) or its trade-in partner to provide or fulfill the Product Return Option for any reason whatsoever, including without limitation in the event of the Merchant’s cessation of business, bankruptcy or winding up.
- Citibank is not a party to the Product purchase agreement between Cardholders and the Merchants, and makes no representation or warranty on the delivery, condition, servicing, suitability, availability or quality of the Product and its related services, as made available to Cardholders by the Merchants. Citibank shall not be liable for any loss or damage whatsoever that may be suffered by Cardholders, directly or indirectly, in connection with the Product. In no circumstances will Citibank be responsible for any refund or replacement of the Product for any reason.
- Citibank reserves the right to vary or amend these terms and conditions or withdraw or terminate the Plan at its discretion without prior notice and Citibank accepts no liability for such amendment, withdrawal or termination. All matters and disputes are subject to the final decision of Citibank.
- In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.
“Limited Time Offer HK$600 Spending Rebate (“Offer”)” Terms & Conditions:
- The promotion is valid from September 16, 2022 to November 30, 2022, both dates inclusive ( “Promotion Period”). All Citi iPhone for Life Plan” (the “Plan”) application must be conducted during the Promotion Period (based on application dates, as defined in Clause 20).
- This promotion is only applicable to CSL Mobile Limited ("the Merchant"), which includes its brands 1O1O and csl.
- This promotion is only applicable to cardholders (“Cardholders”) of Citi Credit Cards issued by Citibank (Hong Kong) Limited (“Citibank”) (except Citi Rewards UnionPay Card) (“Eligible Card”). The Merchant may reject an Eligible Card if its payment system cannot handle the Eligible Card type. Please contact the Merchant for details.
- During the Promotion Period, Cardholders, who successfully apply for the Plan with Eligible Card at the Merchant and when the Plan is approved by Citibank, are entitled to receive a HK$600 spending rebate.
- Only the first 1,500 Cardholders who fulfill the aforementioned offer requirements (as defined in Clause 20) during the Promotion Period are eligible for the Offer on a first-come-first-served basis, while the quota lasts.
- Regardless of the number of principal and supplementary Eligible Cards under the same Cardholder, each Cardholder (based on the unique Hong Kong Identity Card/ Passport number per Citibank’s record) can enjoy the Offer once only during the Promotion Period.
- If application for the Plan is approved and confirmed to be qualified for the spending rebate after verification by Citibank at its sole and absolute discretion, the corresponding rebate will be automatically credited to the Eligible Card account on or before January 30, 2023.
- Citibank will determine the eligibility of each Cardholder to participate in this promotion based on Citibank’s records, and at the sole and absolute discretion of Citibank.
- In case of any fraud/abuse/reversal or cancellation of transactions in respect of which the Offer was awarded, Citibank reserves the right to debit from the Cardholder’s Eligible Card account the equivalent amount of the Offer without prior notice.
- Cardholder’s account must be valid and with good credit record during the Promotion Period and the fulfillment period in order to be eligible to enjoy the Offer otherwise Citibank reserves the right to forfeit the Offer without prior notice.
- Cardholders must keep and submit the relevant original credit card sales slips and original merchant sales receipts and/or other documents in respect of the transactions for inspection upon request by Citibank. All documents submitted to Citibank will not be returned.
- Unless otherwise specified, this promotion cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.
- Availability of the offers or services is subject to availability, account status checking and final acceptance by Citibank at its absolute discretion. Photos, product specifications and prices are for reference only.
- Citibank shall not be responsible for any matters in relation to the related products or services. The Merchant is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services. Please contact the Merchant for details.
- Other terms and conditions apply, please inquire the details with the Merchant.
- Citibank reserves the right to amend the terms & conditions without prior notice, while all matters and disputes are subject to the final decision of Citibank.
- In the event of any discrepancy between the English and Chinese versions of these terms & conditions, the English version shall prevail.
Terms and Conditions for “Hang Seng Credit Card iPhone for Life”:
- Hang Seng Credit Card iPhone for Life Plan (the “Plan”) consists of Hang Seng Credit Card Installment Plan provided by Hang Seng Bank Limited (“Hang Seng”); and Guaranteed Buy-Back Value (“Guaranteed Buy-Back Value”) provided by the designated mobile service providers. The duration of the Plan is subject to the dates announced by the Participating Merchants (“Period”).
- The Plan is applicable to customer(s) ("Eligible Customer(s)") holding Hang Seng Credit Card, Affinity Card, Commercial Card, Corporate Card or Spending Card, excluding Hang Seng USD Visa Gold Card, Renminbi Credit Card, UnionPay Renminbi Diamond Commercial Card and Private Label Card ("Eligible Credit Card(s)").
- The Plan is available at the designated mobile service providers including 1O1O, 3 Hong Kong, China Mobile, CSL, Hong Kong Broadband Network, SmarTone, and Telecom Digital SUN Mobile (the "Participating Merchant(s)") and the Participating Merchants list may vary from time to time subject to the decision of Participating Merchants and Hang Seng. For details, please contact the Participating Merchants.
- Eligible Customers may purchase the newest iPhone models (“Product”) (i.e. iPhone 14 series purchased on or after 23 September 2022 or iPhone 13 series purchased on or before 22 September 2022) from the Participating Merchants, and repay the full amount of the Product by Hang Seng Credit Card Installment Plan using Eligible Credit Cards with an equal monthly installment payments according to the repayment schedule. The Plan is governed by Hang Seng Credit Card Installment Program and Hang Seng Credit Card Cardmember Agreement (“Cardmember Agreement”). If the Eligible Customer enrolls the Plan, the Eligible Customer shall be deemed to have read, agreed and accepted all the terms and conditions governing the Plan. Hang Seng and the Participating Merchants each reserves the right to vary or change such relevant terms and conditions in any appropriate method at anytime without prior notice or accept or decline any application for the Plan without giving any reason therefor.
- If the Eligible Customer fails to make full repayment of the statement balance specified in the Eligible Customer’s credit card account statement on or before the payment due date of each month, the Eligible Customer shall pay a finance charge on all outstanding balance on the credit card account pursuant to the relevant Cardmember Agreement governing the use of the credit card account. The Eligible Customer shall pay a finance charge and other charges on any monthly installment amount due but unpaid at the prevailing interest rate applicable to the credit card account from the post date of such monthly installment. The Eligible Customer will be responsible for any finance charge, late charge or other liabilities or losses which may be incurred due to late payment in any event;
- installments shall be posted to the Eligible Credit Card account on a monthly basis similar to a normal retail transaction. Installments are subject to interest rate or other fees pursuant to the applicable Hang Seng Credit Card Cardmember Agreement if he/she pays less than the total amount due indicated on the monthly statement of the Eligible Credit Card;
- Eligible Customer is acknowledged that he/she will be charged according to the repayment schedule as shown in the form of the relevant Participating Merchants up to the 24th tenor, and the remaining installments will be charged representing the applicable “Guaranteed Buy-Back Value” as determined by the relevant Participating Merchant.
- Under the Plan, Eligible Customers may elect to exercise the Product Return Option provided by the Participating Merchants to return the Product to the respective Participating Merchants to receive the Product’s applicable “Guaranteed Buy-Back Value” from the respective Participating Merchants (“Product Return Option”), subject to all the following conditions are met by the Eligible Customers:
- Full repayment has been made by the Eligible Customer under the Plan by repaying each of equal monthly installment payments according to the repayment schedule up to the 24th tenor being posted and the remaining installments representing the applicable “Guaranteed Buy-Back Value” under the Plan;
- Eligible Customers may exercise the Product Return Option and return the Product to respective Participating Merchant within the designated period that is stipulated by the Participating Merchants;
- Eligible Credit Card account status must be current and in good standing under both the terms and conditions of the Plan and the Cardmember Agreement applicable to the Eligible Credit Card;
- the Product shall meet all the functional conditions and relevant requirements as assessed and designated by the Participating Merchants in accordance with the Product Acceptance Criteria of respective Participating Merchants’ respective Product Return Terms and Conditions (which may be named differently, collectively as “Product Return Terms and Conditions” in below) . For details, please contact the Participating Merchants;
- Eligible Customers must return the Product to the same Participating Merchants from whom the Product was purchased;
- Eligible Customers are in full compliance with the Product Return Terms and Conditions of respective Participating Merchants and these Terms and Conditions governing Eligible Customers’ participation in the Plan. For the details of the Product Return Terms and Conditions of the Participating Merchants, please check with respective Participating Merchants.
- Hang Seng reserves the right to cancel or terminate the Plan at any time (including but not limited to below conditions) with reasonable notice and all outstanding balance of the Plan will become due and repayable immediately (i.e. all unpaid outstanding principle, handling fee and other charges of the Plan) if:
- Eligible Customer breaches any of these Terms and Conditions or Cardmember Agreement; or
- Eligible Credit Card Account is delinquent or Eligible Customer fails to repay any debt upon demand by Hang Seng; or
- Eligible Credit Card Account or the Plan is cancelled by Eligible Customer or terminated by Hang Seng, or on the Eligible Customer’s bankruptcy.
Notwithstanding any terms hereof, upon termination of the Eligible Credit Card Account or the Plan for any reason, all outstanding balance of the monthly installment payments under the repayment schedule of the Plan including the applicable “Guaranteed Buy-Back Value” will become due and payable immediately and will be automatically posted in full amount from the Eligible Credit Card Account.
- Eligible Customer shall not be entitled to Product Return Option if any of the conditions set out in Clause 5 is not fulfilled, in such circumstances:
- Eligible Customers’ participation in the Plan shall be cancelled or terminated, such cancellation or termination shall not affect his/her obligations or liabilities under the Plan;
- Eligible Customer shall not be entitled to receive the Product’s applicable “Guaranteed Buy-Back Value” from the Participating Merchants;
- Eligible Customer shall still be responsible for each of the equal monthly installments according to the repayment schedule up to the 24th tenor and the remaining installments representing the applicable “Guaranteed Buy-Back Value” under the Plan, regardless whether or not Eligible Customer has exercised the Product Return Option.
- The Product Return Option is solely provided by and at the absolute discretion of the Participating Merchants. Hang Seng neither guarantees nor warrants the availability of the Product Return Option nor the ability of the Participating Merchants to buy back the Product at the “Guaranteed Buy-Back Value” in the event the Participating Merchants fails to do so for whatever reason, including without limitation in the event of bankruptcy or winding up of the Participating Merchants. The Participating Merchants shall be solely responsible for disputes, enquires, liabilities and complaints in relation to the Product, Product Return Option, and the “Guaranteed Buy-Back Value” (if applicable) and its related services.
- All Products of this Plan are directly sold and supplied by the Participating Merchants who are solely responsible for all related obligations and liabilities. Hang Seng shall not in any event be liable for any failure by the Participating Merchants or its trade-in partner referred to in Clause 3 to provide or fulfill the “Product Return Option” for any reason whatsoever.
- All transactions that are found to be fraudulent or eventually cancelled / returned will be considered as ineligible transactions and are not applicable to this Plan.
- The Plan is subject to the terms and conditions of the relevant services of Hang Seng. If there is any inconsistency between the terms and conditions of the relevant services and these terms and conditions, these terms and conditions shall prevail.
- Hang Seng reserves the right to suspend, vary or terminate all the Plans at any time and to amend the relevant terms and conditions of the Plan from time to time without prior notice. The decision of the Bank on all matters relating to this Plan and the relevant Plans shall be final and binding on all parties concerned. In case of any discrepancy arising out of the Plan, the decision of Hang Seng Bank shall be final and conclusive.
- 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 provisions 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.
- The English version of these terms and conditions shall prevail whenever there is a discrepancy between the English and Chinese versions.
General Terms and Conditions of “iPhone for Life Extra Reward”
- iPhone for Life Extra Reward includes “100% rebate on the 1st repayment amount” (the “Reward 1”) and “APPLE gift Lucky draw” (the “Reward 2”), (collectively as “Extra Reward”)
- Unless otherwise specified, the promotion period is from 23 September to 31 December 2022, both date inclusive (“Promotion Period”). Extra Reward is divided into two phases, from 23 September 2022 to 12 November 2022 (“Phase 1”) and from 13 November 2022 to 31 December 2022 (“Phase 2”).
- Extra Reward is applicable to Principal Cardholders of Hang Seng Credit Card, Affinity Card, Commercial Card, Corporate Card or Spending Card, but excluding Hang Seng USD Visa Gold Card, Renminbi Credit Card, UnionPay Renminbi Diamond Commercial Card, Private Label Card, and all Supplementary Cards (“Eligible Credit Card”) (“Eligible Customers”).
- During the Promotion Period, Eligible Customers (including Staff of Hang Seng Bank) must fulfill the following requirements to enjoy the Extra Reward:
- Register once only with their Eligible Credit Card online (either by directly go to the registration web page or through “Hang Seng Credit Card Chat with DORI”)
- Repay the full amount of the iPhone for Life by Hang Seng Credit Card Installment Plan using Eligible Credit Cards with an equal monthly installment payment according to the repayment schedule (“Eligible Transaction”)) at Participating Merchants
- Only Eligible Transactions completed by the registered Eligible Credit Card during the Promotion Period will be counted for the Extra Reward.
- The Eligible Transaction must be completed within the Promotion Period and posted to the relevant credit card accounts within 14 days after the Promotion Period. If the principal card and its supplementary card share the same credit limit, the Eligible Transaction will be calculated on a combined basis and the rebate will be credited into the principal card account. Such credit card accounts and Eligible Transaction should remain valid and in good standing when the relevant Extra Reward are credited.
- Spending amount is calculated based on a single credit card account, including spending of supplementary card for which transactions are posted to the same principal card account.
- No alteration or cancellation can be made to the registration, and all rewarded Extra Reward cannot be transferred or converted into cash or other products under any circumstances.
- Use of Cash Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. Use of yuu Reward Points is subject to the terms and conditions for Hang Seng enJoy Card Reward Point Programme. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
- Hang Seng enJoy Visa Platinum Card and Hang Seng enJoy Spending Card (“enJoy Card”) are rewarded with yuu Reward Points. Please refer to hangseng.com/enjoycard for Reward Points Programme details.
- All transactions that are found to be fraudulent or eventually cancelled / returned will be considered as ineligible transactions and are not applicable to this promotion.
- This promotion is offered by Hang Seng. In case of any discrepancy arising out of the promotion, the decision of Hang Seng shall be final and conclusive.
- Hang Seng reserves the right to vary or substitute Cash Dollars reward to other forms of rewards (including but not limited to points or cash reward) equivalent to the same values / amounts / earnings ratio of the Cash Dollars to Prize Winners from time to time without prior notice. The nature of the alternative gifts may differ from the Prize offered in this promotion.
- Hang Seng reserves the right to suspend, vary or terminate all the offers at any time and to amend the relevant terms and conditions from time to time without prior notice. The decision of the Bank on all matters relating to this promotion and the relevant offers shall be final and binding on all parties concerned.
- 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 provisions 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.
- The English version of these terms and conditions shall prevail whenever there is a discrepancy between the English and Chinese versions.
Additional Terms and Conditions for “100% rebate on the 1st repayment amount” (the “Reward 1”):
- The maximum Reward 1 under the Eligible Transaction is $300 Cash Dollars (Hang Seng Credit Card) / 60,000 yuu Points (enJoy Card) per Eligible Credit Card account during the entire Promotion Period.
- Reward 1 is available in a quota cap of 10,000, on a first-come-first-served basis, while quota lasts.
- The extra Cash Dollars rebate / yuu Points under Reward 1 will be credited into the Eligible Credit Card account by batches in February 2023 (applicable to Eligible Transactions made during Phase 1) and April 2023 (applicable to Eligible Transactions made during Phase 2). Customer can log on to Hang Seng Personal e-Banking (if applicable) or call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 to check the reward details.
Additional Terms and Conditions for “APPLE gift Lucky draw” (the “Reward 2”):
- To get a lucky draw entry in Phase 1 or Phase 2, Eligible Customers should have opted-in SMS channel to receive Hang Seng Bank’s latest offers, promotion and services message, subject to status of the Bank’s record at the time of the Lucky Draw.
- The lucky draw is on a per Eligible Customer basis. Each Eligible Customer will be entitled to a maximum of 1 lucky draw entry per the entire Promotion Period for all the Eligible Transactions made with all the Eligible Credit Cards under the same Eligible Customer’s name.
- Eligible Customers will be automatically entitled to 1 lucky draw entry for Eligible transaction(s) made during Phase 1 and posted to the relevant credit card accounts on or before 26 November 2022 and automatically entitled to 1 lucky draw entry for Eligible transaction(s) made during Phase 2 and posted to the relevant credit card accounts on or before 14 January 2023.
- Hang Seng will randomly draw the winners from the Eligible Customers (“Prize Winner”) by system program, subject to the bank system record date of complete posted Eligible Transactions. Prize Winners will be rewarded HK$10,000 worth of APPLE gift (“APPLE gift”). 5 Prize Winners will be drew for Phase 1 and Phase 2 respectively, a total of 10 Prize Winners for the entire Promotion Period.
- Phase 1 Lucky draw will be completed on or before 9 December 2022 while Phase 2 Lucky draw will be completed on or before 27 January 2023. Prize Winners will be notified by SMS sent from Hang Seng about the prize result within 14 working days. Prize details please refer to the content listed in the SMS.
- Hang Seng assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms of SMS communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed, incomplete, garbled or delayed electronic transmission which may limit a Prize Winner ability to receive the SMS of this Program.
Terms and Conditions for iPhone for Life Programme applicable to Personal Credit Card Cardholders (“Terms and Conditions”)
- iPhone for Life
- iPhone for Life is a programme under which you may purchase a Product using an Eligible Credit Card under Interest-free Merchant Instalment Plan of more than 24 monthly instalment payments.
- You will need to make 24 monthly instalment payments according to the repayment schedule, and the remaining instalments represents the Guaranteed Buy-Back Value. Upon full repayment of the 24 monthly instalment payments, you may elect to exercise the Product Return Option provided by the Participating Merchants to return the Product to the respective Participating Merchants to receive the Product’s Guaranteed Buy-Back Value from the Participating Merchants, if:
- the Product is returned to the same Participating Merchants from whom the Product was purchased; and
- the Product shall meet all the function conditions and relevant requirements as assesses and designated by the Participating Merchants in accordance with the product acceptance criteria of respective Participating Merchant’s Product Return Terms and Conditions, which may vary from time to time. For details, please contact the Participating Merchants;
Alternatively, you may choose not to exercise the Product Return Option and continue to pay for the remaining instalments according to the repayment schedule.
- You are eligible to apply for the iPhone for Life Programme if you hold an Eligible Credit Card and your credit card account is valid and in good standing.
- The duration of the Programme is subject to the dates announced by the Participating Merchants.
- The Product Return Option is solely provided by and at the absolute discretion of the Participating Merchants. In the event the Participating Merchants fails to buy back the Product at the Guaranteed Buy-Back Value, including without limitation in the event of bankruptcy or winding up of the Participating Merchants, the Participating Merchants shall be solely responsible for disputes, enquires, liabilities and complaints in relation to the Product, Product Return Option, and the Guaranteed Buy-Back Value and its related services.
- The Product is directly sold and supplied by the Participating Merchants. We are not liable for the goods and services provided by any merchants or its trade-in partner.
- You have to keep all original sales slips or official payment records of the Product. In case of dispute, we may at any time ask you to submit these slips, records, and/or further evidence for inspection and we may keep them.
- If we believe that you have acted in a fraudulent or abusive way, you will not be able to participate in the Programme and we can debit your credit card to repay all outstanding balance or cancel your credit card.
- In case of dispute arising out of this Programme, our decision shall be final and conclusive.
- Termination
- Upon termination of the Eligible Card, Eligible Card account or the Programme for any reasons, all outstanding balance of the monthly instalment payments under the repayment schedule of the Programme, including the applicable Guaranteed Buy-Back Value, will become immediately due and payable by you and will be automatically posted in full amount from the Eligible Card account.
- We reserve the right to cancel or terminate the Programme at any time.
- Applicable Terms and Conditions
- The terms and conditions of the Eligible Credit Card, Interest-free Merchant Instalment Plan, RewardCash Programme, Reward+ and all other applicable prevailing promotions offered by us will continue to apply.
- We have the right to change or cancel the Programme or vary the terms and conditions of the Programme from time to time. You will be bound by a variation unless we actually receive full payment of the total amount of all instalment outstanding under the Programme before the date on which that variation takes effect. Please check our website for the latest details and terms and conditions of the Programme.
- Governing law and version
- These Terms and Conditions are governed by and will be construed according to Hong Kong laws.
- Our provision and your use of the Interest-free Merchant Instalment Plan are subject to any applicable regulatory requirements.
- The English version of these Terms and Conditions prevails to the extent of any inconsistency between the English and the Chinese versions. Any Chinese version of these Terms and Conditions is for reference only.
Definitions
- “Programme” means the iPhone for Life programme.
- “Eligible Credit Card” means any Hong Kong Dollar personal primary, combined additional or separate additional credit cards issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns). HSBC Pulse UnionPay Dual Currency Diamond Credit Card and HSBC UnionPay Dual Currency Card are not Eligible Credit Cards.
- “Interest-free Merchant Instalment Plan” means the credit card interest-free merchant instalment plan offered by the Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) from time to time. You may pay a transaction by Interest-free Merchant Instalment at designated participating merchants using HSBC credit cards. Participating merchants might provide various repayment tenors and may require minimum transaction amount.
- “Product” means specific iPhone model and other Apple® products that we and the Participating Merchants may jointly decide to make available under the Programme from time to time.
- “Product Return Option” means the option provided by the Participating Merchants that may be exercised by you to return the Product to the respective merchant to receive the Product’s Guaranteed Buy-Back Value
- “Participating Merchants” means XXXX.
- “Guaranteed Buy-Back Value” means a residual buy back value of the Product offered by the Participating Merchants under the Product Return Option as specified by the Participating Merchants from time to time.
- “Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China.
- we, us, our means The Hongkong and Shanghai Banking Corporation Limited and its successors and assigns.
- you or your means the person to whom we issue a credit card (whether a primary or an additional credit card) that is eligible for the Programme.
Effective from 8 September 2022
Terms and Conditions of Limited time offer: Extra Rewards Promotion (the "Promotion"):
- The Promotion is valid from 16 September 2022 to 31 December 2022 (both dates inclusive) (the "Promotion Period").
- To be eligible for the Promotion and the corresponding Extra Rewards below, cardholders ("Cardholders") are required to make transactions at designated mobile service providers (“Participating Merchants”) using the iPhone for Life Plan (“Eligible Transactions”) during the Promotion Period with credit cards issued by Standard Chartered Bank (Hong Kong) Limited ("SCB"), including Standard Chartered Credit Card and its Co-branded Card, MANHATTAN Credit Card and its Co-branded Card (except Standard Chartered UnionPay Dual Currency Platinum Credit Card, Standard Chartered Business Card and Standard Chartered Corporate Card) (the "Eligible Card").
- Limited time offer: Extra Rewards
| |
Extra Rewards: Asia Miles (“Miles”) / CashBack / Cash Rebate |
| Standard Chartered Cathay Mastercard |
1,500 Miles |
| Smart Credit Card |
HK$250 |
| Other credit cards |
HK$150 |
-
- To be eligible for the Extra Rewards, Cardholders are also required to register their respective Eligible Card during the Promotion Period at www.sc.com/hk/ip.
- Only the first 2,000 successfully registered Cardholders are eligible for the Extra Rewards. Registration will be closed when the quota is full. Each Cardholder can only register ONE Eligible Card during the Promotion Period, and only that ONE registered Eligible Card will be used to calculate the Eligible Transactions and the relevant Extra Rewards. Each Cardholder is only entitled to enjoy the Extra Rewards (either in the form of Miles/ CashBack/ Cash Rebate) once during the Promotion Period, regardless of how many times the offer requirements are met and how many Eligible Cards each Cardholder is holding.
- If the quota is full, it will be stated in the related promotional webpage of SCB, please visit the webpage before patronage.
- Cardholders will receive a reference number upon successful registration. Cardholders are required to keep the reference number for verification by SCB until 30 April 2023 (if applicable). All registered information will be recorded. More than one registration of the same Cardholder will be treated as a unified record only and the last record will prevail. Successful registration cannot be cancelled.
- All Eligible Transactions made in the Promotion Period must be posted on or before 7 January 2023 based on the transaction date as shown on the credit card monthly statement of the Eligible Card.
- For Cardholders who use the Standard Chartered Cathay Mastercard to register and make Eligible Transactions in the Promotion, Asia Miles will be rewarded to the Cardholders as the Extra Rewards under this Promotion and
credited into the Cardholders' Asia Miles accounts in March 2023 or earlier. Asia Miles earned cannot be converted into bonus points or cash rebate and are non-transferrable. Cardholders acknowledge that the Asia Miles rewarded under this Promotion shall be credited to their respective Asia Miles membership accounts by Asia Miles Limited. SCB will use its best endeavour to provide the necessary information to Asia Miles Limited to facilitate this purpose, however SCB makes no warranty that the Asia Miles rewarded will be accurately credited to the Asia Miles membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Cardholder’s Asia Miles membership account for any reason beyond SCB’s control. Terms and conditions of Asia Miles apply for redemption and/or use of Asia Miles. For details, please visit www.asiamiles.com.
- The CashBack earned under this Promotion will be shown on the "360° Rewards" platform in March 2023 or earlier and will not be automatically credited to the Cardholders' accounts but can be freely redeemed for cash at the redemption platform. The CashBack will be given in Hong Kong dollars and the minimum threshold of CashBack redemption is HK$50 per account and in multiple of HK$50. Redemption of CashBack is subject to relevant terms and conditions. Please visit www.sc.com/hk/rewards for details and to redeem the CashBack.
- For Cardholders who use the Q Credit Card to register and make Eligible Transactions in the Promotion, Cash Rebate will be rewarded to the Cardholders as the Rewards under this Promotion. The Cash Rebate earned will be credited into Cardholders' Q Credit Card accounts in March 2023 or earlier.
- Eligible Transactions made by the Principal and Supplementary Cardholder(s) of the same Eligible Card for the Promotion will be counted collectively.
- Registered Cardholders shall notify SCB if they do not receive the Extra Rewards within 1 month after the fulfilment date (that is, 30 April 2023); otherwise, SCB accepts no liability and will not be liable for any compensation.
- The Eligible Card accounts must be valid and in good financial standing at the time when the Extra Rewards is/are credited; otherwise the Extra Rewards will be forfeited without further notice. The Extra Rewards amount cannot be drawn as cash advance, is/are non-exchangeable, non-transferable and cannot be used to offset credit card payment.
- SCB will verify the transaction record(s) to confirm the Cardholders' eligibility under the Promotion. In case of discrepancy between SCB's computer record and details recorded on the credit card sales slips, SCB's computer record(s) shall prevail.
- If the Cardholders have cancelled any related transaction which had been included in calculating the Extra Rewards offered under the Promotion after the receipt of such Extra Rewards or the Eligible Transactions are otherwise refunded, SCB has the right to debit the Extra Rewards from the Cardholders' Eligible Card accounts or charge against the Cardholders a cost equivalent to the value of the Extra Rewards without further notice.
- This Promotion is also subject to the relevant terms and conditions of Standard Chartered Credit Card iPhone for Life Promotion.
- Cardholders understand and accept that SCB is not the supplier of the products and/or services (including the Miles and the redeemed items) supplied by the merchant(s) under or in connection with this Promotion. SCB shall bear no liability relating to any aspect of the products and/or services (including the Miles and the redeemed items), including without limitation, their quality, the supply, the descriptions of products and/or services (including the Miles and the redeemed items) provided by the merchant(s), any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the promotion of the offer(s) or in making available the offer(s) or the products and/or services (including the Miles and the redeemed items) under the Promotion, by the relevant merchant(s), their respective employees, officers or agents.
- SCB reserves the right to extend, alter or terminate the Promotion and amend these terms and conditions at any time without prior notice. All matters or disputes in connection with the Promotion as set out in these terms and conditions will be subject to the final decision of SCB, which shall be final and conclusive.
- If there is any inconsistency or conflict between the English and Chinese versions of these terms and conditions, the English version shall prevail.
Basic Plan ($63)α and Now E Basic Pack Serviceβ
