To be entitled to the interest rate, handling fee and promotional offer, customers must submit application of the Fubon Tax Loan and successfully drawdown on or before 31 March 2015.

To be entitled to the interest rebate offer, customer must open or possess a Fubon Bank’s (the “Bank”) Principal Credit Card Account or magicmoney manager HKD Interest-bearing Current Account (“Designated Account”). Interest rebate amount is equivalent to: Approved Loan Amount x Monthly Flat Rate x Number of Months Entitled for Interest Rebate. Interest rebate will be credited in cash to the customer’s Designated Account of the Bank in July 2015. Customer shall have a prompt payment record, no early repayment, and maintain all accounts valid and effective, from the loan drawdown date to the rebate date to enjoy the interest rebate. The Bank reserves the right to determine the way of crediting such interest rebate. Customer shall continue the loan repayment after receipt of the interest rebate, in case customer has delinquent payment record(s) or early loan settlement after the interest rebate has been credited, the Bank will reclaim from customer the full amount of interest rebate.

The Bank will disburse full loan amount directly to the customer’s designated bank account within 4-7 working days after successful approval and deduction of handling fee. The corresponding confirmation letter will be mailed to customer. The designated bank (except the Bank) may impose a service charge on the customer's designated bank account for the remittance. Should there be any delay during the application process, resulting in the late payment to Inland Revenue Department by the customer, the Bank will not be responsible for any surcharge incurred.

For married couples to enjoy the benefit of lower interest rate, both applicants must submit application forms at the same time and successfully drawdown the loan simultaneously.

The annual income requirement for MasterCard Platinum is HK$250,000. If the application requirement for MasterCard Platinum is not met, the application will be processed as a Titanium MasterCard / Classic MasterCard application (annual income requirements for Titanium MasterCard and Classic MasterCard are HK$80,000 and HK$60,000 respectively). Credit cards will only be issued to non-existing Fubon Credit Card customers. The Bank reserves all rights to determine the approval of credit card, card type and credit limit at its absolute discretion.

Upon loan approval and confirmation with customers, a Fubon credit card with a perpetual annual fee waiver will be offered to the customer. The new card will be sent to the customer at his/her correspondence address by the Bank or customer will be contacted to collect the new card at branch. MasterCard Platinum or Titanium MasterCard cardholders will get a 50,000 bonus point reward; for MasterCard Classic cardholders the bonus point reward will be 30,000. Even in the case of successful application, no bonus point reward will be granted if a customer has cancelled the Bank's credit card or co-branded card in the past 6 months of application date. To be eligible for the bonus point reward, customer is required to spend at least HK$2,800 or above on eligible retail purchase and/or cash advance with the principal card within the first 3 months from the date of card issuance. Transaction date(s) shown in the statement(s) issued by the Bank shall be regarded as the relevant date(s) of transaction. The bonus points will be credited to the cardholder’s new Credit Card Account, which must be a valid account in normal status, within 4 to 6 weeks (from transaction posting date) upon the cardholder fulfilling the spending requirement and such credit will then be shown in the principal cardholder's statement. If any such transaction(s) is/are later cancelled or reversed after redemption of the welcome gift causing the customers not fulfilling the spending requirement, the Bank will debit a sum of HK$300 as handling fee against his/her Credit Card Account immediately without prior notice. The annual fee for that calendar year will be charged against a cardholder in the following calendar year in the event that the Bank’s records show that a customer has failed to pay the minimum payment on or before the payment due date twice or on more occasion within a period of twelve consecutive months immediately on the anniversary of account open date. If the cardholder cancels his or her Fubon Credit Card within 14 months from card issuance, the Bank will charge the cardholder a sum of HK$300 as handling fee for the credit card which has been cancelled. The sum will be deducted from the cancelled Fubon Credit Card account immediately.

Customer has to submit the required personal information and/or all necessary documents to the Bank for final approval after the preliminary approved result has been obtained by phone. Final approval of the application will be subject to the Bank’s decision upon receipt of the required documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.

Fubon Tax Loan is only applicable to the customer who received salaries tax demand notes issued by the Government of Hong Kong Special Administrative Region.

The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.

The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive.