Fubon iN ShopBack Visa Platinum Card

Fubon Credit Card Key Facts Statement

Shop More! “iN” Back More!

By successfully applying on or before 31 December 2026, cardholders of the Fubon iN ShopBack Visa Platinum Card can enjoy the following welcome offer.

Receive a HK$150 cash rebate when you spend
HK$5,000 within the first 3 months from the date of card issuance

Remarks:
The above welcome gift offer is subject to the relevant terms and conditions, please click here for details.

Apply via Fubon GO / the Bank website now to step up the fun with fabulous cash rebates!

Download Now

Please go to the official app store, search for and download “Fubon GO”. Do not download any unknown applications from an unknown source.

Fubon Bank Integrated Customer Service Hotline: 2566 8181 (press 1 after language selection)
Monday to Sunday: 8:30am to 12am

To borrow or not to borrow? Borrow only if you can repay!

Please click here to view or download the terms and conditions of the promotional offer.

Download Cardholder Agreement

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Shop More! “iN” Back More!

Your online shopping experience is about to be comprehensively upgraded! Combining ShopBack's powerful shopping, rewards, and payment platform with the classic online shopping perk features of the iN Card, you can earn up to an 8% cash rebate on online spending as always. When you bind your Fubon iN ShopBack Card and spend at relevant online stores via ShopBack using this card, you can unlock full ShopBack merchant deals and enjoy an extra unlimited ShopBack cash rebate of up to 1%. Plus, choose from two stylish card designs: [Daybreak Black] or [Twilight Silver]!

Maximise Rewards with ShopBack

Transaction Category		Credit Card Bonus Point to Earn	ShopBack Cashback^*	Equivalent Cash Rebate^{^}
Online Spending via ShopBack	Travel & 30 ShopBack Selected Merchants	20X Bonus Points (=8% Credit Card Cash Rebate)	ShopBack Merchant Cashback + Extra 1% (no cap)	9% + ShopBack Merchant Cashback
Online Spending via ShopBack	Other ShopBack Merchants		ShopBack Merchant Cashback + Extra 0.2% (no cap)	8.2% + ShopBack Merchant Cashback
Non-ShopBack Spending	Online Spending		/	8%
Non-ShopBack Spending	Other Retail Spending	1X Bonus Point (=0.4% Credit Card Cash Rebate)	/	0.4%

^*You must bind the Fubon iN ShopBack Card to your ShopBack account and use the card to make eligible purchases on participating merchants online shop via ShopBack.
^{^}Total Cash Rebate / Cashback include 20X Bonus Points (equivalent to 8% Cash Rebate) plus additional 1%/ 0.2% ShopBack Cashback. Subject to Terms and Conditions.

ShopBack Guide

ShopBack GuideTo learn how to apply for a ShopBack account, please click here.

Additional Perks

Additional Perks Fubon iN Day
Every month on the 28th, enjoy exclusive Fubon iN Day benefits with the Fubon iN ShopBack Card!
More details will be announced soon. Stay tuned for extra rewards and privileges!

Remarks:

The Fubon iN ShopBack Visa Platinum Bonus Points Reward Program is valid until 31 December 2026.
The 20X Credit Card Bonus Points include: (i) basic 1X bonus point; and (ii) additional 19X bonus points for Online Spending (including ShopBack).
Customers must accumulate at least HK$1,000 in eligible transaction each calendar month in order to enjoy additional 19X bonus points on Online Spending. For the definition of eligible transaction, please refer to relevant terms and conditions.
The maximum number of additional bonus points entitled under Online Spending category will be capped at 62,500 Bonus Points per calendar month.
The credit card cash rebate rate is calculated based on 250 points being equivalent to HK$1 credit card cash rebate.
Customers must redeem via Fubon Internet Banking or Mobile Banking. The minimum redemption amount is HK$1 credit card cash rebate. Subsequent redemptions must be made in multiples of the base unit of 250 points.
The Bonus Points and gifts from different Card accounts under the same Customer will be calculated and redeemed separately. The Bonus Points accumulated will be valid for up to one year (calculated by Membership year). Due date of the Bonus Points will be shown on the cardholder’s principal card monthly statement. Voided or expired Bonus Points will be automatically purged and cannot be carried forward to the next year or used to redeem gifts.
ShopBack cash rebate is issued by ShopBack. For details, please contact ShopBack at help@shopback.com.hk.
To qualify for ShopBack Cashback, customers bind the Fubon iN ShopBack Card to your ShopBack account and use the card to make eligible purchases on participating merchants online shop via ShopBack.
All ShopBack Cashback is provided by ShopBack. The Bank assumes no liability for any transactions or arrangements between customers and ShopBack or its related partner merchants.
The Fubon iN Day promotion is scheduled to begin on August 28, 2026. The Bank reserves the right to amend, suspend, or terminate this promotion at its sole discretion, without prior notice.
The list of Travel and 30 selected ShopBack Merchants is provided by ShopBack. ShopBack Merchant is subject to change from time to time without prior notice. For details, please refer to ShopBack Official Application and Website.

Enjoy 7X Bonus Points Reward for Single or Year-round Travel Insurance Plan

Enjoy up to 20% off premium discount and earn 7X bonus points reward upon purchase of a designated Single or Annual Travel Insurance Plan with Fubon Credit Card.

Click here to enroll or to learn more.

Remarks: The promotion period is from 1 January 2026 to 31 December 2026, the promotion is subject to relevant terms and conditions. For product detail, terms and condition, please click here.

For enquiries, please call Fubon Bank Integrated Customer Service Hotline 2566 8181 (Press "3" after language selection) during office hours^* for more details.
^*Office hours: Monday to Friday: 9am to 7pm (except public holidays).

An Array of Other Privileges/Features

First 3-year annual fee waiver^{^}
20% discount on the rental of a Safe Deposit Box for the first year
Octopus Add Value Service, please click here for details
Built in contactless payment: just tap the card on a contactless card reader accepting Visa payWave/ Mastercard contactless payment, please click here for details.

^{^}

Fubon Bank will charge an annual fee to a cardholder for the following calendar year if Fubon Bank's records show that the cardholder has failed to pay the minimum payment on the payment due date twice or more within a period of 12 consecutive months from the anniversary of the account opening date.

Fubon Bank Integrated Customer Service Hotline: 2566 8181 (press 1 after language selection)
Monday to Sunday: 8:30am to 12am

Please click here to view or download the terms and conditions of the promotional offer.

To borrow or not to borrow? Borrow only if you can repay!

Download Cardholder Agreement

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Privileges Redemption Method – Cash Rebate

Method 1 :	Log in to Fubon Bank Mobile Banking App “Fubon+ HK” > My Credit Card > Redeem Cash Rebate
Method 2 :	Login to Fubon Internet Banking Service > Credit Card > Redeem Reward > Coupon / Cash Credit
Method 3 :	Call the Fubon Bank Integrated Customer Service Hotline at 2566 8181 (after language selection press 1 > 1 > enter Credit Card Number > 2 > 2)

Redemption Channels	Required Bonus Points	Rewards
Fubon Bank Mobile Banking App “Fubon+ HK” (“Fubon+ HK”)	250 points	HK$1 Cash Credit^* or above
Fubon Internet Banking Service (“Internet Banking”)	250 points	HK$1 Cash Credit^*
Fubon Internet Banking Service (“Internet Banking”)	25,000 points	HK$100 Cash Credit^{^}
Fubon Bank Integrated Customer Service Hotline (“Hotline”)	5,000 points	HK$20 Cash Credit^#
Fubon Bank Integrated Customer Service Hotline (“Hotline”)	25,000 points	HK$100 Cash Credit^{^}

^*It is required to redeem a minimum of 250 Bonus Points (equivalent to HK$1) per redemption. Redemption shall be in multiples of 250 Bonus Points thereafter.
^#It is required to redeem a minimum of 5,000 Bonus Points (equivalent to HK$20) per redemption. Redemption shall be in multiples of 5,000 Bonus Points thereafter. ^{^}It is required to redeem a minimum of 25,000 Bonus Points (equivalent to HK$100) per redemption. Redemption shall be in multiples of 25,000 Bonus Points thereafter.

Privileges Redemption Method – Bonus Point Conversion to Asia Miles

Method 1:

Method 2:

Download and return the completed redemption form to Fubon Bank by email or mail

Remarks:

If made via mail-in, Fubon Bank will not charge an administration fee for the Fubon Credit Card redemption program
A handling fee of HK$50 will be charged for every 5,000 miles conversion (In any circumstances, the handling fee will be rounded up to the nearest multiple of 5,000 miles). A minimum of HK$250 and a maximum of HK$500 handling fee will be charged for each conversion.

Act now to redeem your favorite rewards!
Simply follow the above redemption methods to redeem fabulous rewards at ease.

Please click here to view or download the terms and conditions of the promotional offer.

To borrow or not to borrow? Borrow only if you can repay!

Terms & Conditions

Promotion Code Terms and Conditions:
Customers who submit application and successfully apply for the Fubon Credit Card via Fubon Bank website or Fubon GO Mobile App within the promotion period as stated in the relevant advertisement, and enter designated promotion code will be entitled extra designated reward. Only one promotion code can be applied for each application. Each customer may enjoy the designated reward of promotion code once only during the designated promotion period. Fubon Bank (Hong Kong) Limited (the “Bank”) will not be liable if a customer fails to input the promotion code when conducting the application. For details, please refer to the terms and conditions of the relevant promotional code(s).

Terms and Conditions of Fubon iN ShopBack Visa Platinum Card Welcome Offer (the “Offer”):

The promotion period runs from 29 June 2026 until 31 December 2026 (“Promotion Period”). Only Eligible Customer whose principal card of Fubon iN ShopBack Visa Platinum Card (“Eligible Credit Card”) application is approved within the promotion period, and who do not hold any of the Bank's credit cards or co-branded cards (including supplementary card) as of the application date are eligible for the Offer (“Eligible Customer”).
To be eligible for the Offer, the relevant credit card account must be still valid and in normal status. Eligible Customer will not be eligible for the Offer if they have cancelled any of the Bank’s credit cards or co-branded cards within the past 6 months of application date even in the case of successful application for the Eligible Credit Card.
Eligible Customer is required to make accumulated spending of HK$5,000 or above on Eligible Transactions (as defined in clause 5 below) and/or cash advance with Eligible Credit Card within the first 3 months from the date of card issuance to enjoy HK$150 cash rebate (“Offer”).
The transaction date(s) shown in the statement(s) issued by the Bank shall be regarded as the relevant transaction date(s).
Eligible Transactions only includes retail purchases. Other transactions including but not limited to tax payment, online bill payment, balance transfers, installment, administration fee, financial charges, annual fee, autopay transactions, Octopus AAVS reload transactions, casino transactions and all fraudulent, unauthorised, unposted, cancelled or refunded transactions will not be counted as the eligible spending requirement. The decision of the Bank as to what constitutes an Eligible Transaction shall be final and conclusive.
If transactions are confirmed to qualify for a cash rebate subject to verification by the Bank at its sole and absolute discretion, the corresponding cash rebate 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 Eligible Customer fulfilling the specified spending requirement and such credit will then be shown in the Eligible Customer’s statement.
If any Eligible Transaction(s) is/are later cancelled or reversed after redemption of the cash rebate causing the cardholder not fulfilling the spending requirement, or if the cardholder cancels the eligible credit card within 14 months after opening the account, the Bank reserves the right to debit a handling fee to recover the cost of the welcome gift the cardholder has received against his/her account immediately without prior notice.
Each customer can only enjoy a cash rebate once regardless of the number of the Bank’s credit cards or co-branded cards applications successfully applied for.
Cash rebate cannot be transferred, returned, exchanged for other gift/coupons/reward/offer or redeemed for cash.
The Bank reserves the right for the decision of final approval of all Credit Card application, and to suspend, vary or terminate the above offer and its terms and conditions (including but not limited to the value of the cash rebate amount) at any time without prior notice and without liability in any form whatsoever.
No person other than the Eligible Customer and the Bank will have any rights under the Contracts (Rights of Third Parties) ordinance to enforce or enjoy the benefits of any of the provisions of these terms and conditions.
These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong.
All records relating to the services, transactions and repayments under this Offer shall be based on the Bank’s records. In case of any matter and dispute, the Bank reserves the right of final decision.
In the event of any discrepancy between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Fubon iN ShopBack Visa Platinum Card Bonus Points Reward Program (“Reward Program”) Terms and Conditions:

The Reward Program consists of two parts: the first part is the Fubon iN ShopBack Visa Platinum Card Fubon Bonus Points Reward Program ("Fubon Bonus Points Reward Program"); the second part is the ShopBack Cash Rebate Program for the Fubon iN ShopBack Visa Platinum Card ("ShopBack Cash Rebate Program").
Unless otherwise specified, the Promotion Period of Reward Program is from 29 June 2026 until 31 December 2026, both dates inclusive (“Promotion Period”).
The Program is only applicable to the Fubon iN ShopBack Visa Platinum Card (“Eligible Credit Card”) issued by Fubon Bank (the “Bank") in Hong Kong.
Rewards under the Fubon Bonus Points Reward Program are issued by the Bank, while rewards under the ShopBack Cash Rebate Program are issued by ShopBack Hong Kong Limited (“ShopBack”).

Fubon Bonus Points Reward Program Terms and Conditions:

Eligible Credit Card Cardholders (“Eligible Customers”) who make transactions in the categories specified below with the Eligible Credit Card during the Promotion Period (“Eligible Transactions”) shall be entitled to receive 1X Basic Bonus Point Reward (“Basic Bonus Point Reward”) for every HK$1 of Eligible Transaction amount. In addition, if an Eligible Customer accumulates Eligible Transactions and/or Online Spending (as defined in Clauses 2 and 3) of HK$1,000 or above on each calendar month, the Eligible Customer shall be entitled to additional bonus points rewards (“Additional Bonus Points Reward”) for eligible Online Spending in accordance with the table below, as detailed below:

Transaction Category Basic Bonus Points Reward Additional Bonus Points Reward Equivalent Cash Rebate Up To

Online Spending 1X bonus point 19X bonus points 8%

Other Retail Transactions - 0.4%

A maximum of 20X Bonus Points Reward can be earned for every HK$1 of Eligible Online Transaction amount, comprising 1X Basic Bonus Points Reward and 19X Additional Bonus Points Reward. The Additional Bonus Points Reward is applicable to Eligible Online Spending only; Other Retail Transactions are not eligible for the Additional Bonus Points Reward.
“Eligible Transactions” refer to include the retail transactions and the retail spending via mobile payment* posted during the Promotion Period. The following types of transactions are not considered eligible, including but not limited to: cash advances, administration fees, finance charges, annual fees; payments to the Inland Revenue Department, payment relating to the category of insurance or Pension Services, casino and gambling transactions Octopus Automatic Add-Value Service, online bill payment / utilities bill / insurance or pension services transactions made with credit card via internet banking or ATM, “Interest-free Cash Installment Plan”, “Any-can-do Purchase Installment Plan”, retail purchases with installment plans, any transactions may specified in program(s) and any transactions involving abuse or fraud are not applicable. The decision of the Bank as to what constitutes an Eligible Transaction shall be final and conclusive.
“Online Spending” refer to the posted Eligible Transactions conducted via online channels, regardless of the transaction country or currency, including both local and foreign currencies. The transaction amount will be based on the amount in Hong Kong Dollars after conversion posted in the credit card statement. Retail and/or re-loading transactions made through stored value facilities (SVF) using stored-value payment tools (including but not limited to Alipay, WeChat Pay, PayMe and PayPal) will not be eligible for the additional Bonus Points.
For Octopus Automatic Add-Value (AAVS) transaction, Eligible Customers will receive 100 bonus points for each transaction, regardless of the top-up amount. For details, please visit the bank’s website > Cards > Other Services > Octopus Automatic Add-Value Service.
The Bank may from time to time at its sole discretion define the meaning of “Eligible Transactions”, designated spending categories and merchant list, with reference to Visa International for properly defining the above-mentioned designated categories.
Basic Bonus Points Reward and Additional Bonus Points Reward (“Bonus Points Rewards”) accrual is counted on a calendar month basis, starting from the first day of the month until the last day of the month. All transactions will be counted based on the transaction posted date.
The maximum Basic Bonus Points Reward to be earned by Eligible Customers on each monthly statement will be triple of their Cards' credit limit (except the Additional Bonus Points Reward under “Online Spending”). The maximum number of Additional Bonus Points entitled under “Online Spending” category will be capped at 62,500 Bonus Points for each Eligible Credit Card account per month.
The Bonus Points Rewards will be calculated on each transaction and rounded down to the nearest dollar. Any Bonus Points of less than HK$1 will not be rewarded.
Basic Bonus Points Reward will be calculated based on the issuance date of the approval code of the Eligible Transactions and credited to the Principal Card of Eligible Credit Card account on the posting date. The Additional Bonus Points Reward will be credited to the principal Card of Eligible Credit Card account automatically within 3 months after each settlement. Only Eligible Customer whose credit card accounts are valid and in good standing throughout the Promotion Period and at the time when the Bonus Points Reward are being awarded will be eligible for the Bonus Points Reward. In the event of termination of a credit card account, violation of the Credit Card User Agreement/Credit Card Agreement or the card account being in default, the Bonus Points Reward entitlement will be forfeited automatically forthwith.
Eligible Transactions of a supplementary card (if any) will be combined with those from the main card to calculate towards the total Bonus Points Reward under the same credit card account.
All fraudulent, unauthorised, unposted, cancelled or refunded (including Shopping tax refund) transactions will be excluded from the Program.
The Bank will verify the transaction record to confirm the Bonus Points Reward entitlement of each Eligible Customers. In the event of discrepancy between the Bank’s record and details recorded on the credit card sales slip, the Bank’s record shall prevail.
The Bonus Points Rewards are non-refundable and non-transferrable.
If any transaction is verified by the Bank as ineligible, or if a transaction for earning Bonus Point(s) is cancelled or refunded after it is posted, the Bank will reverse the relevant Bonus Point(s) from the Card account. If the Bonus Point(s) have already been redeemed and cannot be reversed, the Bank reserves the right to debit an equivalent amount in accordance with the ratio of 1 Bonus Point = HK$0.004^ from the Card account without prior notice. All accumulated Bonus Points will be forfeited immediately upon termination of the Card account (regardless of any reason). ^The Bank should be entitled to charge an amount equal to the value of the Bonus Points Reward to the Eligible Customers’ account.
If an Eligible Customers commits any dishonest or fraudulent act, the Bank shall cancel the eligibility of the respective cardholder for the offer and reverse any awarded Bonus Point(s) from the related card account without prior notice. The Bank also reserves the right to cancel the respective credit card account and/or take such legal actions as the Bank may deem necessary.

ShopBack Cash Rebate Program Terms and Conditions:

Eligible Credit Card Cardholders (“Eligible Customers”) is required to have a ShopBack account (“ShopBack account” which is validly registered on the ShopBack mobile application and website (www.shopback.com.hk)).

Eligible Customers shall be entitled to receive ShopBack Cashback offers (the “Cashback Offers”) upon fulfilling the following conditions during the Promotion Period, the details of which are set forth below:

Binding the Eligible Credit Card to their ShopBack account; and

Successfully completing transaction in the categories specified below (the “Eligible Transactions”) with designated merchants within ShopBack.

Transaction Category (only applicable for online purchase)	Cashback Offers
Travel	Unlimited 1%
30 Designated ShopBack Partner Merchants^*	Unlimited 1%%
Others ShopBack Partner Merchants	Unlimited 0.2%

^*30 Designated ShopBack Partner Merchants: Please visit ShopBack mobile application and website for details. 30 Designated ShopBack Partner Merchant lists are subject to change from time to time without prior notice.

All the Cashback Offers are NOT applicable to transactions made via any third-party payment services providers or e-wallets (including but not limited to Octopus, Alipay, WeChat Pay, Tap & Go, Apple Pay and PayPal). The Cashback Offers will be forfeited if the order(s) placed at the Partner Merchants’ Sites through ShopBack is being rejected.
Unless otherwise specified, the Cashback Offers under this ShopBack Cash Rebate Program cannot be enjoyed in conjunction with other promotional offers.
All transactions made with the Eligible Credit Card through ShopBack during the Promotion Period must be posted on or before 7 January 2027 based on the transaction date as shown on the credit card monthly statement of the Eligible Credit Card.
Once the order is tracked and verified by the Partner Merchants, Eligible Customers can earn ShopBack cashback and the additional cashback will be credited.
To qualify for the Cashback Offers, Eligible Customers are required to click through ShopBack App each time before being redirected to the Partner Merchants’ Sites to make the transaction with the Eligible Credit Card.
Eligible Customers shall notify the ShopBack if they do not receive the Cashback Offer(s) within 30 days after the fulfilment date (being within 14 days of the transaction date). Otherwise, the Bank and ShopBack accept no liability and will not be liable for any loss or compensation.
Unless otherwise stated, the Offers cannot be exchanged for cash/services, other goods, or discounts, nor can it be transferred.
Eligibility for the Cashback Offers will be determined based on the cashback tracking time (not the order time). Once the cashback earned from Eligible Transaction is successfully tracked, the progress for this Cashback Offer will be updated accordingly.
Offer Details: The reward cashback will be displayed in your ShopBack account's cashback record once Eligible Customers meet the activity requirements, and it will be credited when the cashback status is "Confirmed."
The relevant Offer(s), if entitled, would be credited in Eligible Customers’ ShopBack accounts within 48 hours to 14 days after the transaction date.
Transactions involving cancellations, returns, or exchanges will not qualify for reward cashback under this Offer. Transactions that fall under the 0% cashback tier or have a cashback and checkout amount of $0 will not be included in the activity calculation.
The Offers may be subject to additional terms and conditions as set out by the Partner Merchants, please contact the Partner Merchants for details.
For any inquiries regarding the Cashback Offers, please contact ShopBack's Customer Service by email (help@shopback.com.hk ). No customer service hotline of ShopBack to be provided. For order-related queries or requests on returns/exchanges, please refer to the respective merchant's official website.
In the event of the closure of a Partner Merchant, Cashback Offers for successfully tracked transactions made via ShopBack shall still be credited based on actual circumstances.
If Eligible Customers commits any dishonest or fraudulent act, ShopBack shall cancel the eligibility of the respective Eligible Customer for the offer and reverse any awarded Cashback from the related ShopBack account without prior notice. ShopBack also reserves the right to cancel the respective ShopBack account and/or take such legal actions as ShopBack may deem necessary.
The Cashback Offers are provided by ShopBack. The Bank is not the supplier of the Cashback Offers, the ShopBack platform, ShopBack services, or any products or services provided by the relevant partner merchants, and shall not be responsible or liable for the quality, availability, accuracy of description, suitability, legality, performance, delay, cancellation, refund, return, warranty, after-sales services, or any other matters relating to the Cashback Offers, the ShopBack platform, or the products or services provided by the relevant partner merchants. ShopBack and/or the relevant partner merchants shall be solely responsible for their respective products, services, obligations and liabilities.
The Bank shall not be responsible or liable for any transactions or arrangements between Eligible Customers and ShopBack or the relevant partner merchants, including but not limited to transaction amounts, transaction accuracy, order processing, cashback tracking, cashback confirmation, service provision, reward fulfilment, termination of services, suspension of business, liquidation, bankruptcy, or any failure of the payee or relevant parties to fulfil their obligations.
In addition to these Terms and Conditions, the earning, tracking, confirmation, redemption and use of Cashback Offers shall also be subject to the ShopBack Cashback Programme, the terms and conditions of the ShopBack account, and the applicable terms and conditions imposed by the relevant ShopBack partner merchants. For details, please inquire with ShopBack.

General Terms and Conditions of Reward Program:

The use of the Card (including principal and supplementary cards) shall also be governed by the terms and conditions of “Fubon Bank VISA/MasterCard Cardholder Agreement”, the Bank’s Global Terms and Conditions for Accounts and Services and any other prevailing terms and conditions of the Bank (which are available at Fubon Bank’s website). In the event of any inconsistency between these terms and conditions and the generic terms and conditions, these terms and conditions shall prevail.
The Bank and ShopBack reserves the right to change, suspend or terminate the offer or amend the terms and conditions at its sole discretion. The Bank and ShopBack reserve the right of final decision in case of any dispute.
In case of any dispute arising from any matters in relation to the Reward Program, the decision of the Bank and/or ShopBack (as applicable) shall be final and conclusive.
Eligible Customers must retain all receipts or email of transaction for reference. The Bank and ShopBack reserves the right to request an Eligible Customers to provide the transaction documentation or evidence for verification and inspection at any time during or after the promotion.
No person other than the Eligible Customers, ShopBack and the Bank will have any rights under the Contracts (Rights of Third Parties) ordinance to enforce or enjoy the benefits of any of the provisions of these terms and conditions.
These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong.
In the event of any discrepancy between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Fubon iN ShopBack Visa Platinum Card Bonus Points Redemption Program Terms and Conditions:

Unless otherwise specified, the promotion period of Fubon iN ShopBack Visa Platinum Card Bonus Points Redemption Program (“Program”) is from 1 July 2026 until 31 December 2026 (“Promotion Period”).
The Program is only applicable to the Fubon iN ShopBack Visa Platinum Card (“Eligible Credit Card”) issued by Fubon Bank (the “Bank") in Hong Kong.

Eligible Credit Card Cardholders (“Eligible Customer(s)”) are entitled to the corresponding redemption rates under the specific redemption channels listed below with the Eligible Credit Card for Bonus Points Redemption during Promotion Period.

Redemption Channels	Required Bonus Points分	Rewards
Fubon Bank Mobile Banking App “Fubon+ HK” (“Fubon+ HK”)	250 points or above	HK$1 Cash Credit or above^*
Fubon Internet Banking Service (“Internet Banking”)	250 points or above	HK$1 Cash Credit or above^*
Fubon Internet Banking Service (“Internet Banking”)	25,000 points	HK$100 Cash Credit^{^}
Fubon Bank Integrated Customer Service Hotline Voice Response System	5,000 points	HK$20 Cash Credit^#
	25,000 points	HK$100 Cash Credit^{^}

^*It is required to redeem a minimum of 250 Bonus Points (equivalent to HK$1) per redemption. Redemption shall be in multiples of 250 Bonus Points thereafter. ^#It is required to redeem a minimum of 5,000 Bonus Points (equivalent to HK$20) per redemption. Redemption shall be in multiples of 5,000 Bonus Points thereafter. ^{^}It is required to redeem a minimum of 25,000 Bonus Points (equivalent to HK$100) per redemption. Redemption shall be in multiples of 25,000 Bonus Points thereafter.

The Bonus Points and rewards from different card accounts under the same Eligible Customer will be accumulated and redeemed separately. The Bonus Points accumulated will be valid for up to one year (calculated by Membership year). Due date of the Bonus Points will be shown on the cardholder’s principal card monthly statement. Voided or expired Bonus Points will be automatically purged and cannot be carried over to the next Membership Year or used for redemption. Purged Bonus Points will not be shown on the monthly statement of principal cardholder.
To be entitled for Bonus Points redemption, all credit card accounts at the Bank under the same cardholder shall be valid and in normal status.
Multiple cash rebate redemptions are allowed using Bonus Points. No cancellation or alteration is allowed once the application is submitted.
In the event that the credit card account does not have sufficient Bonus Points for Cash Rebate redemption application submitted, the relevant redemption shall be cancelled automatically without prior notice.
For cash rebate redemption, it will be credited to cardholder’s principal card account directly and will offset the statement balance in the next monthly statement.
The operation of Bonus Points enquiry and/or redemption in credit card account is only applicable to principal cardholder.
The acceptance or rejection of the application of cash rebate redemption with Bonus Points shall be at the discretion of the Bank. The Bank reserves the right to suspend, vary or cancel the above Program and amend the relevant terms and conditions (including but not limited to the rewards items and the required Bonus Points) at any time without prior notice and without any liability whatsoever.
The use of the Card (including principal and supplementary cards) shall also be governed by the terms and conditions of “Fubon Bank VISA/MasterCard Cardholder Agreement”.
No person other than the Eligible Customer and the Bank will have any rights under the Contracts (Rights of Third Parties) ordinance to enforce or enjoy the benefits of any of the provisions of these terms and conditions.
These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong.
All matters and disputes are subject to the final and conclusive decision of the Bank.
In the event of any discrepancy between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Reminder: To borrow or not to borrow? Borrow only if you can repay!

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Transaction Category	Basic Bonus Points Reward	Additional Bonus Points Reward	Equivalent Cash Rebate Up To
Online Spending	1X bonus point	19X bonus points	8%
Other Retail Transactions	1X bonus point	-	0.4%