6.2 若合資格客戶在MoneyHero獎賞兌換表格中選了Apple Store禮品卡，推廣獎賞將以Apple Store禮品卡形式發放， 若合資格客戶在MoneyHero獎賞換領表格上選了Apple Store禮品卡以外的獎賞，推廣獎賞將以Apple Store惠康購物現金券形式發放，
7.3 特別獎賞不可退款或兌換為現金或其他獎賞。全部有關此推廣之獎賞存貨 換完即止。客人有責任於領取特別獎賞時檢查有關推廣之特別獎賞的品質。有關任何特別獎賞之品質問題包括質量、供應、運輸、維修等，MoneyHero概不負責。
7.10如果申請人被發現或合理懷疑參與任何形式的欺詐行為（包括但不限於虛假身份、篡改圖像、故意發送垃圾郵件或操控任何 MoneyHero 的流程或網站），MoneyHero將保留取消任何參與者的資格並扣留或沒收全部或部分禮品的權利。
Best Credit Card Exclusive Offer Guarantee (the “Promotion”) Terms & Conditions
1. Eligible Customers who apply for any of the selected credit card products listed below (each a “Designated Credit Card”) through the MoneyHero website or App, are approved by the Product Provider, fulfill the specific spending requirements within the Promotion Period (if applicable) and then find a higher face value gift card/voucher exclusive offer being offered publicly by a third party in respect of the same Designated Credit card during the Promotion Period can submit proof of the same to MoneyHero to receive an additional gift card/voucher to offset the price difference in accordance with the terms of this Promotion.
“Best Credit card Exclusive Offer Guarantee” claim form : Click here
2. Promotion Period
Unless otherwise specified, the promotion period of the Promotion is from 1 December, 2023 to 31 December, 2023 both dates inclusive (the “Promotion Period”).
3. Designated Credit cards
For the purposes of this Promotion, the Designated Credit cards and Product Providers are:
CNCBI Motion Credit Card (the Product Provider being China CITIC Bank International)
Citi Cashback Credit Card (the Product Provider being Citibank Hong Kong)
In order to receive a Promotion Reward and to comprise "Eligible Customers", customers are required to, during one the Promotion Period:
4.1 Be a resident of Hong Kong aged 18 or above;
4.2 Be a New Credit Card Customer (Definition according to related bank);
4.3 Fully complete and submit an application for a Designated Credit card on the designated link through MoneyHero during. If the application is not made via the designated link, or an Ad-blocker, tracking blocker or incognito mode is enabled during the application, it may not be counted as valid and may lead to the customer not being eligible for any rewards. MoneyHero reserves the right to withhold any rewards where, according to its records, the application is not made through MoneyHero in accordance with these Terms and Conditions;
4.4 Fully complete and submit the MoneyHero Reward Redemption Form within 7 days after receiving the MoneyHero Reward Redemption Form from MoneyHero;
4.5 Have their application for the Designated Credit card approved by the Product Provider and complete the spending requirement (if applicable) for the Designated Credit card accordingly;
4.5 Apply for the Promotion Reward via the designated link on the MoneyHero Website and provide the following details in the Best Credit card Exclusive Offer Guarantee Form:
Screenshot of a gift card, coupon, voucher offered publicly by a third party in respect of the same Designated Credit card applied for by the customer for the same credit card amount, that is of a higher face value which is a genuine offer and not an error (the “Higher Offer”) than the gift card, coupon, voucher offered by MoneyHero under the same conditions (the “Original MoneyHero Offer”);
The phone number provided in the MoneyHero Reward Redemption Form;
The email address provided in the MoneyHero Reward Redemption Form;
The name of the Designated Credit card applied for via MoneyHero; and
The application reference number of the Designated Credit card applied for via MoneyHero.
5. Higher Offer Terms:
The Higher Offer submitted by an Eligible Customer must:
5.1 be a gift card, coupon, voucher available to the public when applying for a credit card that is the same as the Designated Credit card offered by the same Product Provider applied for as part of this Promotion;
5.2 not be offered by the Product Provider itself, whether directly or indirectly;
5.3 be available to the public and valid at the same time when the Eligible Customer is applying for the same Designated Credit card via MoneyHero;
5.4 be determined based on the face value of the gift card, coupon, voucher which is offered in respect of the same (i) credit card, (ii) Product Provider as the Designated Credit card applied for via MoneyHero; and;
5.5 be in the same currency as the reward offered by MoneyHero.
5.6 For the avoidance of doubt, the Higher Offer available from a third party must be a gift card, coupon, voucher with a specified face value. Any claims for a Higher Offer in respect of physical goods are not valid for the purposes of this Promotion and will not be considered.
6. Promotion Reward
6.1 The Promotion Reward will be issued in the form of a gift card or coupon, depending on the difference in monetary value between the Original MoneyHero Offer and the Higher Offer, provided always that must be the same credit card product.
6.2 If an Apple Store gift card has been chosen on the MoneyHero Reward Redemption Form, the Promotion Reward will be issued in the form of Apple Store gift card ; If a coupon/voucher other than an Apple Store gift card has been chosen on the MoneyHero Reward Redemption Form the Promotion Reward will be issued in the form of Wellcome coupon
6.3 The value of the Original MoneyHero Offer is based on that which has been specified by the Eligible Customer in the MoneyHero Reward Redemption Form.
6.4 If the claim for a Promotion Reward is verified and accepted by MoneyHero, the Promotion Reward will be issued within 16 weeks after the end of the Promotion Period, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward.
6.5 Promotion Rewards will not be distributed to Eligible Customers for whom the Product Provider cannot confirm with MoneyHero that the customer has applied for the specified Designated Credit card and fulfill spending requirement (if applicable).
6.6 Promotion Rewards will be distributed based on the difference in face value between the Original MoneyHero Offer and the Higher Offer:
6.7 For the avoidance of doubt, eligibility for any Promotion Reward pursuant to this Promotion will be in addition to the Original MoneyHero Offer that an Eligible Customer is entitled to receive from MoneyHero.
Face Value Difference between Original MoneyHero Offer and Higher Offer and the Promotion Reward
6.7 In order to receive a Promotion Reward, Eligible Customers are required to complete and submit the MoneyHero “Best Credit card Exclusive Offer Guarantee” claim form (the “Reward Claim Form”) to MoneyHero with all the required information during the Promotion Period.
6.8 By submitting a Reward Claim Form, MoneyHero Users warrant and represent that the information provided therein is complete, true, accurate and not falsified in any manner. MoneyHero reserves the right to (i) ask an Eligible Customer for further details regarding any Higher Offer submitted to MoneyHero, and (ii) deny eligibility for any Promotion Reward if requests for further details are not satisfied or MoneyHero believes that any details or information provided in the Reward Claim Form are untrue, fraudulent or otherwise incorrect, or if MoneyHero believes that this Promotion is being abused or manipulated. MoneyHero reserves the right to ask for additional information to verify eligibility.
7. General Promotion Terms
7A. In the event of any disputes, MoneyHero reserves the right to make the final decision in its absolute discretion, which shall be binding on all participants.
7B. MoneyHero the Product Providers reserve the right to amend these Terms and Conditions at any time, including changing the Promotion Period or Promotion Reward or to terminate this Promotion with or without prior notice.
7C. Promotion Rewards are not refundable nor exchangeable for cash or other rewards. All products and services relating to the Promotion are available while stock lasts. Customers are responsible for checking the quality of the Promotion Rewards at the time of redemption. MoneyHero shall have no legal liability relating to any aspects of the Promotion Rewards including but not limited to its quality, supply, delivery and maintenance.
7D. Promotion Rewards that remain unclaimed past the stipulated collection period (if any) will be forfeited.
7E. By participating in this Promotion, participants hereby represent and warrant that they will comply with all applicable Hong Kong laws or regulations in connection with their participation in this Promotion and they will not use this Promotion for any illegal or fraudulent purposes.
7F. By participating in this Promotion, participants agree to allow the Product Provider to update MoneyHero with information regarding the status of their application, including whether or not said application is successful and whether the participant has fulfilled all the conditions required to receive the Promotion Reward, for the purposes of verifying a participant’s eligibility for the Promotion Reward.
7H. Final approval of any product is determined by the product provider in its absolute discretion and is subject to their credit and risk processing criteria. Participation in this Promotion does not guarantee the approval of any product applied for. MoneyHero does not guarantee the approval of any product applied for.
7I. MoneyHero accepts no responsibility for any damage, loss, liabilities, injury or disappointment incurred or suffered by participants as a result of their participation in this Promotion. By participating in this Promotion, participants release MoneyHero and its agents from all liability, including, without limitation, with respect to this Promotion and the Promotion Reward.
7J. MoneyHero reserves the right to disqualify any participant and withhold or confiscate in full or part any rewards if the participant is found to be, or reasonably suspected of participating in any form of fraudulent practices (including but not limited to false identities, doctoring images, wilful spamming or manipulation of any MoneyHero’s processes, or website).
7K. By participating in this Promotion, customers hereby represent and warrant that they will comply with all applicable Hong Kong laws or regulations in connection with their participation in this Promotion and they will not use this Promotion for any illegal or fraudulent purposes.
7L. MoneyHero strives to keep its information accurate and up to date. However, this may sometimes differ from the information provided on the Product Provider, financial institution, service provider or specific product’s site. Eligible Customers should refer to the Product Provider’s website for the most updated rates/fees/T&Cs on the relevant product.
7M. Applicants understand and accept that Promotion Reward distribution is facilitated by MoneyHero; The Product Providers do not have any liability or responsibility for distribution of the Promotion Reward.
7N. In the event of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
7O. By participating in this Promotion, Eligible Customers agree to be bound by these Terms and Conditions.