1. Welcome gifts are applicable to new Principal Cardholders of BeBe Dream Visa Card only, whose credit card accounts should be approved and opened on or before 31 December, 2015. Supplementary Cardholders or those who has in the past 12 months held any CMB Wing Lung Credit Card or Affinity Card (including Principal and Supplementary Cards) are not eligible to the welcome gifts.

2. Each eligible Principal Cardholder is entitled to receive the Welcome Gift once only, even if Principal Cardholder applies for more than one credit card during the Promotional Period. If a Principal Cardholder is entitled to receive the Welcome Gift under another concurrent promotion run by CMB Wing Lung Bank Limited (“the Bank”), Principal Cardholder is only entitled to receive only one of the Promotional Offer at the Bank's discretion.

3. Welcome gift cannot be changed once it is indicated on the application form. Welcome gifts are available on a first come, first served basis while stocks last. The Bank reserves the right to offer an alternative gift as replacement in case of product shortage.

4. To redeem BeBe Dream HK$200 Cash Coupon, principal cardholder should make HK$2,800 or above eligible transactions in the first 2 months of new card issuance. Cardholders must present original copies of gift redemption letter with other required documents to designated redemption centre for redeeming the welcome gift for free. The redemption details will be printed on the gift redemption letter.

5. To redeem Toyroyal Melody Rolling Board, principal cardholder should make HK$3,800 or above eligible transactions in the first 2 months of new card issuance. Cardholders must present original copies of gift redemption letter with other required documents to designated redemption centre for redeeming the welcome gift for free. The redemption details will be printed on the gift redemption letter.

6. Gift Redemption Advice will be sent to the Principal Cardholder within 1 month upon fulfillment of the required spending criteria.

7. Only retail purchases, cash advances, online purchases, mail or phone orders or posted amount of instalment purchase will be calculated as eligible transactions.

8. The following transactions are not eligible for this promotion: autopay, credit to cash, balance transfer, flexible instalment, interest free tuition loan, Octopus auto reload amount, online bill payment, gambling chips, securities transaction, foreign exchange, travellers' cheque, finance charges, handling fees, annual fee payment, account service fees, late payment charges, reversal transaction, personalized Octopus application fee, cancellation or reimbursement of transaction, fraudulent transaction or other transactions that CMB Wing Lung Bank may define.

9. The Bank is not the supplier of the gift items and shall not be responsible for any matters related to the product quality or after-sales services provided.

10. During the promotion period and redemption period, the credit card account of the cardholder should be valid and in good credit condition.

11. If cardholders cancel their new Credit Card within 1 year upon card issuance, the Bank reserves the right to charge a gift administrative fee of HK$500 for each cancelled card.

12. The Bank reserves the right to change the terms and conditions of the above offers without prior notice. In case of any dispute arisen, the Bank reserves the right to make the final decision.