For the avoidance of doubt, the following types of transactions shall not constitute Eligible Spending: retail purchase transactions at any physical points of sales, online transactions in Hong Kong Dollars, reload of e-wallets (e.g. including but not limited to PayMe, WeChat Pay and Alipay), adding value to Octopus card by means of Octopus Automatic Add Value Service (“AAVS”) (including the application fee and handling fee in respect of the AAVS) or any other means specified by the Bank from time to time, spending conducted via electronic wallets including but not limited to PayMe, WeChat Pay and Alipay (except at merchants designated by the Bank from time to time) but other than Apple Pay, Google Pay and Samsung Pay, fund purchases, cash advances and relevant handling/administration fees, casino chips, foreign exchange, finance charges, reversed transactions, late charges, credit card annual fee, Call-a-loan, Balance Transfer, Funds Transfer, Flexi Shopping Programme, insurance payment, tax payment, any bill payment transactions, transactions that have been subject to cancellation, charge-back, return of goods and/or refund and any other types of transactions specified by the Bank from time to time. The Bank’s determination on whether a transaction constitutes Eligible Spending shall be final and conclusive.