AIA Premium Installment Spending Reward

1. During Program Period, successfully New Setup a 6, 9, 12 or 18 months AIA premium installment plan (“Eligible Installment Plan”) for AIA premium payment for New Policy or Existing Policy, can enjoy the following reward:

   Reward	New Setup Premium Installment Amount	Cardmember Reward
   1	HK$15,000 or above for each policy	Free Scaling and Polishing and Dental Examinations (Valued at HK$1,200); and Earn 1 Bonus Point for every HK$1 spent
   2	During Program Period Accumulate Eligible Retail Spending HK$1,000 or above2d	Extra 5,000 Credit Card Bonus Point2e (Equivalent to as much as extra 5X bonus point2f)

2. The installment plan monthly interest shall be equal to 0.3% of the total installment amount chargeable over the repayment period. (For reference, the annualized percentage rates are respectively 6.32%, 6.63%, 6.78% and 6.93% for 6-, 9-, 12- and 18-month repayment periods). The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to the nearest two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate;
3. New Setup means the concerned AIA policy premium was not paid by AIA premium installment plan in previous policy anniversary;
4. Eligible Retail Spending means retail transactions made in Hong Kong, online transactions, and transactions with original sales slip or official payment record conducted outside Hong Kong (Exclude all installment transactions);
5. Cardmember must successfully new setup abovesaid AIA premium installment plan, and accumulate eligible retail spending HK$1,000 or above during program period to be entitle for extra 5,000 Credit Card Bonus Point (Each Cardmember may entitle extra bonus point once);
6. Extra 5,000 Credit Card Bonus Point means on top of the basic bonus points given under the CCB (Asia) Credit Card Bonus Points Program, as much as extra 5X bonus points.

Cardmember Reward

1. The validity and use of the Free Scaling and Polishing and Dental Examinations services are subject to the instructions and terms and conditions specified by the supplier. The Bank will not act as a product/service supplier (or its agent) and will not assume the liability of the product/service supplier (or its agent). Any claims, complaints or disputes related to the services should be resolved directly between the customer and the relevant supplier. The customer's claim against the supplier will not relieve the Bank of its repayment obligations or other liabilities.
2. The services provided cannot be redeemed for cash.
3. Photocopies of redemption letter will not be accepted.
4. In the event of loss or damage of redemption letter, the Bank will not reissue it under any circumstances;
5. Extra 5,000 Credit Card Bonus Point will be automatically credited to Cardmembers’ Card account on or before Aug 2025 after cardmember have fulfilled the retail spending requirement and shown in the monthly statement. The Bonus Point is not transferable.

1. Checking of the account status of all of his/her existing Card account(s) by us and shall be conditional upon such Card account(s) being valid and in good standing (as determined by us in our sole and absolute discretion) at all times during the respective Program Period and at the time of releasing the cash rebate; and
2. The terms and conditions set up by AIA on premium payment by credit card; and
3. At the time of releasing the reward, the Eligible Installment has not been cancelled; and
4. The Eligible Installment policy has not been set up with Installment for payment via our credit card before this new Installment set-up (if applicable); and/or did not has any Installment payment transaction via our credit card during the past 12 months.