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| Interest-Free Payment |
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No interest will be charged on any outstanding balance
below HK$50 and the balance will remain interest-free until the next statement. |
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Remark: Not applicable to cash advance. |
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| Low Interest Cash Conversion |

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| Dining Club |

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| Rewards Programme |

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| Offers of the Month |

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| Year Round Merchant Offer |

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| Interest-Free Instalment |

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