Terms and Conditions for Welcome Gift Redemption:

1. Applicant must have successfully applied for MI Credit Card issued by Bank of Communications Co., Ltd. Hong Kong Branch (the 'Bank') in Hong Kong on or before 31 March 2012 to enjoy the promotional offer and welcome gifts.
2. Applicant who successfully applied for a Principal Card is entitled to receive HK$500 Joyful Smart Personal Contribution Coupon or HK$500 Insurance Cash Coupon or HK$300 Credit Card Cash Rebate or HK$300 Mannings Gift Voucher. Cardholders must accumulate retail purchase or cash advance of HK$3,000 or above (transactions made by supplementary card will be combined with principal card) within 3 months from the new credit card issue date to receive the welcome gift.
3. Retail purchase does not include cash / purchase instalment amount, balance transfer amount, MPF/SVC contribution, all online bill payment via webpage of the Bank, purchase of casino chips, purchase of traveler's cheque, payment of all credit card charges (e.g. annual fees, finance charges, etc.) and any credit card transactions designated by the Bank from time to time.
4. If the principal or supplementary cardholder of this promotional offer cancels his/her credit card(s) within 13 months from the new credit card issue date, the Bank reserves the right to charge each cardholder an administrative fee of HK$600 from the principal cardholder's credit card account without prior notice to the cardholders.
5. Applicant who is currently holding or has held the principal card(s) of any card type(s) or supplementary card(s) of MI Credit Card or supplementary card(s) of Pacific Credit Card or supplementary card(s) of Go-Goal Credit Card issued by the Bank in the past 6 months is not eligible for any of the promotional welcome gifts even though your credit card is successfully approved and issued, without prior notice.
6. The welcome gift cannot be changed after confirmation. Welcome gifts are available on a first-come-first-served basis, while stock lasts. If the welcome gift is out of stock, the Bank reserves the right to offer an alternative gift as replacement. Welcome gifts cannot be exchanged for cash.
7. A Gift Redemption Letter will be sent to the principal cardholder within 6 weeks from the date the cardholder has met the relevant gift redemption requirements (except HK$300 Credit Card Cash Rebate). Any lost, stolen or damaged Gift Redemption Letters will not be re-issued.
8. The Credit Card Cash Rebate will be credited to principal card account within 6 weeks after the cardholder has met the relevant gift redemption requirements. The said cash rebate cannot be withdrawn as cash and is non-transferable. Any withdrawal or transfer of the said cash rebate shall be considered as Cash Advance.
9. The Bank reserves the right to charge each cardholder an administrative fee of HK$600 from the principal cardholder's credit card account if the cardholder redeems a welcome gift to which he/she is not entitled, makes duplicate redemption, uses ineligible transactions (as determined by the Bank) to redeem his/her welcome gift or commits any fraud or abuse in relation to the gift redemption.
10. This promotional offer is applicable only to successful cardholder who maintains good credit status and whose principal credit card account is valid at the time of redemption.
11. All welcome gifts (except HK$300 Credit Card Cash Rebate) are supplied by merchants and respective companies. The Bank accepts no liability for any matters relating to such products and/or services. The respective merchants are solely responsible for all obligations and liabilities in relation to the products or services provided.
12. The use of HK$500 Joyful Smart Personal Contribution Coupon or HK$500 Insurance Cash Coupon is subject to relevant terms and conditions.
13. The Bank reserves the right to vary the terms and conditions, to change or terminate this promotional offer at any time without prior notice to the Applicant.
14. In case of any disputes, the Bank's decisions shall be final and conclusive.