Fubon Bank X CLP Bill Payment Rewards

Fubon Bank X CLP Bill Payment Rewards From now until 31 December 2026, successfully settle a CLP electricity bill through the Bill Payment function of Fubon Mobile Banking (Fubon+) / Fubon Online Banking or FPS using any personal account (including credit card) with Fubon Bank (Hong Kong), and fulfil the relevant requirements to earn up to 25,000 Credit Card Bonus Points (equivalent to HK$100 cash rebate1). Successfully apply for a designated Fubon Credit Card and meet the qualifying requirements to enjoy an additional HK$300 cash credit reward. Quotas are limited and allocation is on a first-come, first-served basis while quota lasts.

Reward 1: New Customer Bill Payment Reward

Reward 1: New Customer Bill Payment RewardDuring the Promotion Period, New Customers² who settle a CLP electricity bill through the Bill Payment feature on Fubon+ or Fubon Online Banking, or through FPS using any account held with the Bank, may be eligible to receive a reward base on their respective customer category:

Customer Category	Reward for Each Eligible Bill Payment Transaction	Reward Cap (Entire Promotion Period)
Customers holding Fubon Credit Card3	12,500 Fubon Credit Card Bonus Points	25,000 Credit Card Bonus Points
Customers not holding Fubon Credit Card	HK$25 Cash Rebate	HK$50 Cash Rebate

^*Reward 1 is subject to a limited quota of 2,000 which will be allocated on a first-come, first-served basis on the chronological order in which each New Customer² first completes an Eligible Bill Payment Transaction⁴. The promotion remains available until the quota is exhausted. Eligible Customers who successfully secure a quota may continue to accumulate Reward 1 throughout the Promotion Period. Each New Customer² may enjoy Reward 1 for a maximum of two times.

Reward 2: Existing Customer Bill Payment Reward

Reward 2: Existing Customer Bill Payment RewardDuring the Promotion Period, Existing Customers⁵ who settle a CLP electricity bill through the Bill Payment feature on Fubon+ or Fubon Online Banking, or through FPS using any account held with the Bank, may be eligible to receive a reward base on their respective customer category:

Customer Category	Reward for Each Eligible Bill Payment Transaction	Reward Cap (Entire Promotion Period)
Customers holding Fubon Credit Card3	5,000 Fubon Credit Card Bonus Points	10,000 Credit Card Bonus Points
Customers not holding Fubon Credit Card	HK$10 Cash Rebate	HK$20 Cash Rebate

^*Reward 2 is subject to a limited quota of 2,000 which will be allocated on a first-come, first-served basis on the chronological order in which each Existing Customer⁵ first completes an Eligible Bill Payment Transaction4. The promotion remains available until the quota is exhausted. Eligible Customers who successfully secure a quota may continue to accumulate Reward 2 throughout the Promotion Period. Each Existing Customer⁵ may enjoy Reward 2 for a maximum of two times.

Calculation Rules for Reward 1 and Reward 2:

Calculation Rules for Reward 1 and Reward 2:

• Each customer may be eligible for either Reward 1 or Reward 2, depending on their status as a New Customer or an Existing Customer.
• Only one Eligible Bill Payment Transaction4 per calendar month (i.e. from the 1st day to the last day of each month) will be counted toward the accumulation of Reward 1 or Reward 2 for each customer.
• The Bank’s records shall prevail regarding customers’ payment records of CLP electricity bills.

Eligible Bill Payment Channels:

Eligible Bill Payment Channels:

• Bill Payment function of Fubon+ / Fubon Online Banking
• FPS (including Fubon+ QR Payment function and FPS payments conducted on CLP Mobile App via Fubon+)

^*For details, please Click Here to refer to the Fubon+ Bill Payment Guide

Reward 3: Extra Reward for New Application for Eligible Credit Card

Reward 3: Extra Reward for New Application for Eligible Credit Card During the Promotion Period, New Credit Card Customers6 who successfully apply for a principal Fubon Visa Platinum Card through Fubon GO Mobile Application or the Bank’s website using the designated promotion code “CLPFB” (Fubon YATA Visa Platinum Card and Fubon iN VISA Platinum Card are not applicable), and whose application is subsequently approved⁷, must complete at least one eligible retail spending transaction or cash advance with the principal card and/or supplementary card within 30 calendar days after card issuance in order to receive a HK$300 cash credit.

Remarks:

1. Calculation of the cash rebate is based on 25,000 points to redeem a HK$100 cash reward. For details please refer to: Fubon & Other Credit Cards | Fubon Bank
2. New Customers refer to customers who have not used any account with the Bank (including credit card) to settle a CLP electricity bill through the Eligible Bill Payment Channels between 1 May 2025 and 30 April 2026.
3. For the purpose of this Promotional Offer, “Customers holding Fubon Credit Card” refers to principal cardholders of a Fubon Credit Card. This does not include corporate cards, debit cards, any reward cards and Fubon Credit Card supplementary cards.
4. Eligible Bill Payment Transaction refers to a transaction made through the Eligible Bill Payment Channels to settle a CLP electricity bill, provided that the transaction amount of each bill payment is HK$50 or above (or its equivalent) and the relevant transaction amount has been successfully posted to the designated account.
5. Existing Customers refer to customers who have used any account with the Bank (including credit card) to settle a CLP electricity bill through the Eligible Bill Payment Channels between 1 May 2025 and 30 April 2026.
6. New Credit Card Customers refer to customers who did not hold any of the Bank’s credit cards or co-branded cards (including supplementary cards) prior to the Promotion Period and have not cancelled any of the Bank’s credit cards or co-branded cards within 6 months prior to the Promotion Period.
7. The relevant credit card application must be approved on or before 28 February 2027.
8. Joint-named account customers and corporate account customers are not eligible for this Promotional Offer.

The promotional offer is subject to relevant terms and conditions.
To borrow or not to borrow? Borrow only if you can repay!

Terms and Conditions of the "Fubon Bank X CLP Bill Payment Rewards" Promotional Offer

Terms and Conditions of the "Fubon Bank X CLP Bill Payment Rewards" Promotional Offer

1. The "Fubon Bank X CLP Bill Payment Rewards" ("Promotional Offer") is launched by Fubon Bank (Hong Kong) Limited ("the Bank"). The promotion period is from 1 May 2026 to 31 December 2026, both dates inclusive ("Promotion Period").
2. This Promotional Offer is only applicable to individual customers who hold valid individual bank account(s) and/or credit card(s) with the Bank during the Promotion Period ("Eligible Customer(s)").
3. Joint-named account customers and corporate account customers are not eligible for this Promotional Offer.
4. Definition of Eligible Bill Payment Transaction
   Eligible Customers must fulfil all of the following requirements during the Promotion Period for a transaction to be counted as one "Eligible Bill Payment Transaction":
   
   1. Successfully settle a CLP Power Hong Kong Limited ("CLP") electricity bill through the Bill Payment function of Fubon Mobile Banking (Fubon+) / Fubon Online Banking, or through FPS (including Fubon+ QR Payment function and FPS payments conducted on CLP Mobile App via Fubon+, using any account with the Bank (including credit card); and
   2. The amount of each bill payment transaction must be HK$50 or above (or its equivalent); and
   3. The relevant transaction amount must be successfully posted to the designated account.
   
   Any failed, returned, cancelled or incomplete transaction will not be counted as an Eligible Bill Payment Transaction.
5. This Promotional Offer consists of three rewards. From Reward 1 and Reward 2, each Eligible Customer may enjoy only one of the two rewards under this Promotional Offer, depending on his/her CLP bill payment record through the Bank's relevant bill payment channels as of 30 April 2026. Details are as follows.
   1. Quota of Reward 1: Reward 1 under this Promotional Offer is subject to a quota of 2,000 eligible customers. The quota will be allocated on a first-come, first-served basis, according to the chronological order in which each customer first completes an Eligible Bill Payment Transaction that satisfies the eligibility requirements of Reward 1. The offer is available while quota lasts. Eligible Customers who have already secured a quota may continue to accumulate Reward 1 during the Promotion Period, subject to the reward cap per customer.
   2. Quota of Reward 2: Reward 2 under this Promotional Offer is subject to a quota of 2,000 eligible customers. The quota will be allocated on a first-come, first-served basis, according to the chronological order in which each customer first completes an Eligible Bill Payment Transaction that satisfies the eligibility requirements of Reward 2. The offer is available while quota lasts. Eligible Customers who have already secured a quota may continue to accumulate Reward 2 during the Promotion Period, subject to the reward cap per customer.
   
   If the quota is full, even if an Eligible Customer fulfils all other requirements, the customer will not be entitled to the relevant reward. The Bank shall not be liable for any failure to receive the reward due to the quota being full.

Reward 1: New Customer Bill Payment Reward

6. Eligibility Requirements of Reward 1
   Eligible Customers must fulfil all of the following requirements to enjoy Reward 1:
   
   1. Between 1 May 2025 to 30 April 2026, the Eligible Customer has never used any account with the Bank (including credit card) to settle any CLP electricity bill through the Bill Payment function of Fubon Mobile Banking (Fubon+) / Fubon Online Banking or through FPS (including Fubon+ QR Payment function and FPS payments conducted on CLP Mobile App via Fubon+); and
   2. Complete at least one Eligible Bill Payment Transaction during the Promotion Period.
   
   
   Details of Reward 1:

   Customer Category	Reward for Each Eligible Bill Payment Transaction	Reward Cap (Entire Promotion Period)
   Customers holding Fubon Credit Card	12,500 Fubon Credit Card Bonus Points	25,000 Credit Card Bonus Points
   Customers not holding Fubon Credit Card	HK$25 Cash Rebate	HK$50 Cash Rebate

7. Calculation Rules of Reward 1
   
   1. For each Eligible Bill Payment Transaction completed by an Eligible Customer, the customer will receive 12,500 Fubon Credit Card Bonus Points (or HK$25 cash rebate, depending on whether the customer holds a principal Fubon Credit Card with the Bank. Please refer to the reward distribution clauses below for details).
   2. At most one Eligible Bill Payment Transaction in each calendar month (i.e. from the 1st day of each month to the last day of the same month) will be counted for reward accumulation.
   3. Each Eligible Customer may accumulate Reward 1 for a maximum of 2 times only, subject to a cap of 25,000 Fubon Credit Card Bonus Points (or a corresponding cash rebate cap of HK$50).

Reward 2: Existing Customer Bill Payment Reward

8. Eligibility Requirements of Reward 2
   Eligible Customers must fulfil all of the following requirements to enjoy Reward 2:
   
   1. Between 1 May 2025 to 30 April 2026, the Eligible Customer has used any account with the Bank (including credit card) at least once to settle a CLP electricity bill through the Bill Payment function of Fubon Mobile Banking (Fubon+) / Fubon Online Banking or through FPS (including Fubon+ QR Payment function and FPS payments conducted on CLP Mobile App via Fubon+); and
   2. Complete at least one Eligible Bill Payment Transaction during the Promotion Period.
   
   
   Details of Reward 2:

   Customer Category	Reward for Each Eligible Bill Payment Transaction	Reward Cap (Entire Promotion Period)
   Customers holding Fubon Credit Card	5,000 Fubon Credit Card Bonus Points	10,000 Credit Card Bonus Points
   Customers not holding Fubon Credit Card	HK$10 Cash Rebate	HK$20 Cash Rebate

9. Calculation Rules of Reward 2
   
   1. For each Eligible Bill Payment Transaction completed by an Eligible Customer, the customer will receive 5,000 Fubon Credit Card Bonus Points (or HK$10 cash rebate, depending on whether the customer holds a principal Fubon Credit Card with the Bank. Please refer to the reward distribution clauses below for details).
   2. At most one Eligible Bill Payment Transaction in each calendar month (i.e. from the 1st day of each month to the last day of the same month) will be counted for reward accumulation.
   3. Each Eligible Customer may accumulate Reward 2 for a maximum of 2 times only, subject to a cap of 10,000 Fubon Credit Card Bonus Points (or a corresponding cash rebate cap of HK$20).

Reward 3: Extra Reward for New Application for Eligible Credit Card

10. Eligibility Requirements and Details of Reward 3
    Eligible Customers who fulfil all of the following requirements during the Promotion Period ("Reward 3 Eligible Customer") can enjoy an extra HK$300 reward ("Reward 3"):
    
    1. Successfully apply for a principal Fubon Visa Platinum Card issued by the Bank ("Eligible Credit Card") through the Fubon GO Mobile Application ("Fubon GO") or the Bank's website (Fubon YATA Visa Platinum Card and Fubon iN VISA Platinum Card are not applicable), and enter the designated promotion code "CLPFB" ("Designated Promotion Code") in the Promotion Code / Referral Code field of the application form; and
    2. Customer does not hold any of the Bank's credit cards or co-branded cards (including supplementary card) before the Promotion Period and has not cancelled any of the Bank’s credit cards or co-branded cards within the past 6 months to the Promotion Period; and
    3. The relevant credit card application must be submitted during the Promotion Period, being on or before 31 December 2026 and must be approved by the Bank on or before 28 February 2027; and
    4. Within 30 calendar days after the issuance date of the Eligible Credit Card ("Transaction Cut-off Date"), complete at least one Eligible Transaction using the principal card and/or supplementary card of the Eligible Credit Card, in the form of eligible retail spending transaction or cash advance ("Eligible Transaction").
       The following transactions will not be counted as Eligible Transaction, including but not limited to tax payments, fund transfers, instalment payments, fees and charges, finance charges, annual fees, autopay transactions, Octopus Automatic Add Value transactions and gambling transactions. Transaction categories are determined according to the merchant category codes designated by VISA International for the relevant country or region. The Bank will only count Eligible Transactions that have been posted on or before the Transaction Cut-off Date. Any unposted, cancelled or refunded transaction will not be counted as an Eligible Transaction. The Bank has the sole discretion to determine whether a transaction qualifies as an Eligible Transaction.
11. Eligible Transactions made by supplementary card(s) will be aggregated under the same principal card account.
12. Each Eligible Customer can enjoy Reward 3 once only, regardless of the number of Eligible Credit Cards applied for during the Promotion Period.
13. Distribution of Reward 3: After the Bank has verified and confirmed that the customer has fulfilled all eligibility requirements, the Bank will credit HK$300 to the Reward 3 Eligible Customer's Eligible Credit Card account in the form of cash credit on or before 30 April 2027, and it will be shown on the credit card statement. Reward 3 is non-transferable. Reward 3 Eligible Customers may not choose to receive Reward 3 in any other form, and the Bank will not provide Reward 3 in any other manner.

Reward 1 and Reward 2: Determination of Reward Type

14. The type of reward (credit card bonus points or cash rebate) will depend on whether the Eligible Customer holds a valid principal Fubon Credit Card with the Bank at the time of distribution of the relevant reward, and is not selected by the customer. Principal credit card does not include corporate cards, debit cards, any reward cards and Fubon Credit Card supplementary cards.

Reward 1 and Reward 2: Distribution of Credit Card Bonus Points

15. If an Eligible Customer holds a valid principal Fubon Credit Card with the Bank before distribution of the reward, the relevant reward will be distributed in the form of Fubon Credit Card Bonus Points and will be credited to the Eligible Customer's valid principal Fubon Credit Card account in accordance to the period of Eligible Bill Payment Transaction on the relevant date of crediting the Reward, and will be shown on the principal card customer's statement. The bonus points rewards received are non-transferable.

    Period of Eligible Bill Payment Transaction	Date of crediting the Reward
    During May to August 2026	On or before 30 November 2026
    During September to December 2026	On or before 31 March 2027

16. If an Eligible Customer holds more than one valid principal card with the Bank, the order of crediting bonus points to the credit card account will be determined by the Bank without prior notice.
17. If the principal card account of an Eligible Customer has been cancelled, terminated, suspended or frozen before the distribution of the relevant reward, the Bank reserves the right not to distribute the relevant bonus points reward or to convert the bonus points reward into cash rebate (to be processed in accordance with the cash rebate clauses below).
18. The credit card bonus points reward is also subject to the general terms and conditions of the Fubon Credit Card Bonus Point Program. For details, please visit the Bank's website.

Reward 1 and Reward 2: Distribution of Cash Rebate

19. If an Eligible Customer does not hold any principal Fubon Credit Card with the Bank before the distribution of the relevant reward, the reward will be automatically distributed in the form of cash rebate and will be credited to the Eligible Customer's valid individual bank account in accordance to the period of Eligible Bill Payment Transaction on the relevant date of crediting the Reward, and will be shown on the bank statement.

    Period of Eligible Bill Payment Transaction	Date of crediting the Reward
    During May to August 2026	On or before 30 November 2026
    During September to December 2026	On or before 31 March 2027

20. If an Eligible Customer holds more than one valid individual bank account with the Bank, the order of crediting to the bank account will be determined by the Bank without prior notice.
21. If the individual bank account held by an Eligible Customer is not denominated in Hong Kong dollars, the Bank will distribute the cash reward in equivalent value to another currency account held by the Eligible Customer. The order of crediting the cash reward to the account will be determined by the Bank without prior notice. The foreign exchange rate shall be based on the exchange rate determined by the Bank on the day of crediting the cash reward.

Reward 1 and Reward 2: Circumstances of Reward Ineligibility

22. Eligible Customers will not be entitled to receive Reward 1 and/or Reward 2 under any of the following circumstances:
    
    1. The Eligible Customer fails to complete Eligible Bill Payment Transaction before the relevant reward quota is full; or
    2. The Eligible Customer's account with the Bank has been cancelled, terminated, suspended or frozen during the Promotion Period or before the distribution of the reward; or
    3. The Eligible Customer's principal card account (if applicable) has been cancelled, terminated, suspended or frozen before the distribution of the reward, and the customer does not hold any other valid individual bank account with the Bank to receive the cash rebate; or
    4. The Eligible Customer is found by the Bank to have engaged in any fraud, abuse, violation of these Terms and Conditions or any conduct that the Bank considers dishonest or in breach of good faith; or
    5. The Eligible Customer violates any of the Bank's prevailing account terms and conditions or credit card terms and conditions.

Reward 3: Circumstances of Reward Ineligibility

23. Reward 3 Eligible Customers will not be entitled to receive Reward 3 under any of the following circumstances:
    
    1. Customer fails to apply for the Eligible Credit Card through Fubon GO or the Bank's website during the Promotion Period; or
    2. Customer fails to enter the Designated Promotion Code "CLPFB" at the time of application; or
    3. The relevant credit card application is not approved by the Bank on or before 28 February 2027; or
    4. Customer has cancelled any of the Bank’s credit cards or co-branded cards within the past 6 months to the Promotion Period; or
    5. The Eligible Credit Card has been cancelled, terminated, suspended or frozen before the distribution of Reward 3; or
    6. Customer fails to complete at least one Eligible Transaction using the Eligible Credit Card on or before the Transaction Cut-off Date; or
    7. Customer is found by the Bank to have engaged in any fraud, abuse, violation of these Terms and Conditions or any conduct that the Bank considers dishonest or in breach of good faith; or
    8. Customer violates any of the Bank's prevailing account terms and conditions or credit card terms and conditions.

General Terms and Conditions

24. The Bank's records shall be final and conclusive in determining all Eligible Customer's bill payment records and reward eligibility.
25. Customers shall notify the Bank if not received Reward on or before 31 May 2027. The Bank assumes no liability and will not offer any compensation to the cardholder in respect of any failure to receive reward.
26. In case of any dispute arising from this Promotional Offer (including but not limited to the eligibility of Eligible Customers, the calculation and distribution of rewards, transaction records and the interpretation of these Terms and Conditions), the Bank reserves the right of final decision.
27. The Bank shall not be liable for the service quality, errors, delays or any other matters of CLP or any third-party service providers.
28. The Bank and CLP reserve the right to suspend, vary or terminate this Promotional Offer and amend these Terms and Conditions at any time without prior notice. In case of any dispute, the Bank and CLP reserve the right of final decision.
29. The Bank shall not be liable for any transaction failure caused by the customer's own reasons, network issues or other unforeseen reasons, and will not offer any compensation for any reason.
30. All rewards are non-transferable, non-refundable and cannot be exchanged for other products or services.
31. Participation in this Promotional Offer represents understanding, acceptance and willingness to comply with the terms and conditions established by the Bank and acceptance that the Bank has the rights described in these Terms and Conditions. If the Bank discovers any dishonest and/or fraudulent conduct by participants in the Promotional Offer, the Bank reserves the right to cancel their eligibility to participate in this Promotional Offer and reserves the right to directly deduct the rewards received from the participant's Fubon account.
32. No person other than the Bank, CLP and Eligible Customers shall have any right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.
33. These Terms and Conditions are governed by and shall be construed in accordance with the laws of the Hong Kong Special Administrative Region.
34. Should there be any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

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