【X Cash.AI Member Get Member】Refer friends to apply for X Cash.AI for the first time with successful loan drawdown, earn up to $3,800 in total rewards!
Promotion Period: 21 May 2026 – 30 June 2026 (subject to application time)
Promo Code: Unique Referral Code of each customer
Promotion Details
Seize the opportunity to earn generous rewards! Refer your friends to apply X Cash.AI for the first time during promotion period, you are eligible to earn up to $3,800 in total cash rewards! Plus, each referee is eligible to earn rewards up to $3,800. The more you refer, the greater rewards you can get. Login to X Wallet App now and share your unique Referral Code with your friends!
List of Rewards
Introducer Rewards | Referee Rewards | ||||||
1st successful Referral | 2nd successful Referrals | 3rd successful Referrals | 4th successful Referrals | 5th successful Referrals | Application Reward | Approval Reward | Target Reward |
$500 Cash Reward | Total $1,000 Cash Reward | Total $1,500 Cash Reward | Total $2,000 Cash Reward | Total $3,800 Cash Reward | $300 X Pay e-Voucher | 100% First-Month Interest Rebate (maximum rebate amount capped at $1,000) | $2,500 Cash Reward |
[Introducer Rewards] ¹
Introducer rewards are calculated based on the number of successful referrals during the promotion period.Referral Requirement: New referee must enter referral code on application, and keep daily loan outstanding at $20,000+ for 30 days after loan disbursement. Introducer are eligible for “ Introducer Rewards” . Earn up to $500 cash reward for each successful referral from the 1st to 4th, and $1,800 cash reward for the 5th successful referral.
Each Introducer can enjoy “ Introducer Rewards” 5 times at maximum throughout the promotion period.
[Referee Rewards – Application Reward]
New customers (Referee)^ who apply X Cash.AI for the first-time with referral code within the promotion period, Referee will receive $300 X Pay e-Cash Voucher, regardless of the loan approval status!X Wallet has the final decision on eligibility for application rewards.
[Referee Rewards – Approval Reward] 2
New customers (Referee)^ who confirm loan contract of $20,000 or above, Referee is eligible for 100% first-month interest rebate, maximum rebate amount capped at HK$1,000. The interest rebate will be issued as a cash rebate, equivalent to the interest the customer needs to pay within the first 30 days from the loan effective date.
[Referee Rewards – Target Reward] 3
New customers (Referee)^ who confirm loan contract of $20,000 or above, and maintain a minimum daily loan outstanding balance of $20,000 or above under X Cash. AI loan account for 120 days, starting from the loan contract effective date, Referee is eligible to earn $2,500 Cash Reward.
Notes
^ To be eligible to participate in this promotion, customers (Referee) must fulfill the below:
- Have not applied for X Cash. AI and/or held any X Wallet loan account in the past 12 months;
- Enter the Unique Referral Code of their Introducer during the application process.
1 To be eligible for “Introducer Rewards “ , customers (Referee) must fulfill the below:
- Eligible to participate in this promotion and confirm the loan contract, and maintain a minimum daily loan outstanding balance of $20,000 or above under X Cash. AI loan account for 30 days, starting from the loan contract effective date;
- Maintain a normal and active X Cash.AI loan account (delayed repayment, bad debt, frozen, will be perceived as abnormal account) from loan contract effective date until rewards release.
2 To be eligible for “Referee Rewards – Approval Reward “ , customers (Referee) must fulfill the below:
- Eligible to participate in this promotion and confirm the loan contract of $20,000 or above;
- Maintain a normal and active X Cash.AI loan account (delayed repayment, bad debt, frozen, will be perceived as abnormal account) from loan contract effective date until rewards release.
3 To be eligible for “Referee Rewards – Target Reward “ , customers (Referee) must fulfill the below:
- Eligible to participate in this promotion and confirm the loan contract, and maintain a minimum daily loan outstanding balance of $20,000 or above under X Cash. AI loan account for 120 days, starting from the loan contract effective date;
- Maintain a normal and active X Cash.AI loan account (delayed repayment, bad debt, frozen, will be perceived as abnormal account) from loan contract effective date until rewards release.
Designated Period for Loan Contract Effective
| Effective date of Loan Contract | 30th day upon Loan Contract Effective | 120th day upon Loan Contract Effective | |
|---|---|---|---|
|
Earliest Date |
21 May 2026 |
19 June 2026 |
17 September 2026 |
|
Latest Date |
14 July 2026 |
12 Augest 2026 |
10 November 2026 |
Redemption Details
“Referee Rewards – Application Reward” and “Referee Rewards – Approval Reward” will be released within 30 days after the end of promotion period.
“Introducer Rewards” and “Referee Rewards – Target Reward” will be released within 30 days upon the confirmation of customer (Referee) fulfilling the above eligibility. Eligible Introducer and Referee (“Eligible Customers”) will be informed about the release of the Rewards via Inbox Message within the X Wallet App.
A.Cash Reward
- Cash Reward will be released to Rewards wallet in X Wallet App.
- To withdraw the cash reward, customers must login to the X Wallet App, navigate to the “Personal” page and click the “Bank Cards” to add their Hong Kong bank account number, complete setting up your Rewards Deposit Account. The cash reward will be credited to the designated Hong Kong bank account in about two working days (excluding public holidays, Saturdays and Sundays).
- Customers are required to ensure the beneficiary bank account number entered is true, correct and valid. The Company will not be responsible for any failure to transfer the Reward to the account under any circumstances.
- All loan accounts of the customer must be in normal condition in order to withdraw the reward.
- If there is no transaction in the customer’s Reward wallet in past 24 months, all reward balances will be expired.
- If a customer closes or cancels his/her X Wallet account under any circumstances, all rewards will be deemed as forfeited.
B.X Pay e-Cash Voucher
Eligible Customers are required to login to X Wallet App and complete the registration procedures of X Pay account under X Pay section for the redemption. The e-Cash Voucher will be released to the corresponding X Pay account automatically.
About X Cash.AI Member Get Member Program (“MGM Program”)
1.How to participate in the MGM Program?
For any Hong Kong resident aged 18 or above, they are eligible to participate in the MGM Program by registering as a member of X Wallet and agreeing the Terms and Conditions of the MGM Program.
2.How to make a referral?
Each Introducer has their own Unique Referral Code (“Referral Code”) displayed on the “Rewards” page within the X Wallet App. Introducer can share the Referral Code, unique referral URL or the QR code automatically generated by the system to their family and friends, and refer them for an application of the X Cash.AI.
3.How to use the Referral Code?
After Referee login to the X Wallet App, they shall apply X Cash.AI at the Homepage. The Referral Code entered by the Referee during the loan application process will be authenticated by the system.
4.Is there any limit on the number of referrals?
Each Introducer can enjoy “ Introducer Rewards” 5 times at maximum throughout the promotion period.
- This Promotion is valid from 21 May 2026 to 30 June 2026 (both dates inclusive) (“Promotion Period”).
- The submission time of loan application is subject to the system record of Zero Finance Hong Kong Limited (“The Company”). Late applications will not be accepted.
- Only HKID cardholder aged 18 or above are eligible to participate in this Promotion.
- The Introducer and the Referee cannot be the same person, nor using the same bank account to receive any reward.
- The referral of a Referee must be taken through a lawful means. Otherwise, The Company reserves the right to cancel the release of the relevant rewards to the Introducer .
- To avoid any conflict of interest, employees of The Company are prohibited from participating in this Promotion.
- The Referral Code must be entered during the loan application process, where subsequent supplements or changes are not allowed.
- For any successful first-time application of X Cash.AI (i.e. no application and/ or hold of any X Wallet loan account in the past 12 months) made within the Promotion Period, which the Referee enters the Unique Referral Code of their Introducer during the application process, Referee will receive $300 X Pay e-Cash Voucher (” Referee Rewards – Application Reward “), regardless of the loan approval status.
- Each Introducer can enjoy “ Introducer Rewards” 5 times at maximum throughout the promotion period.
- If Referee completed a successful drawdown of X Cash.AI at the amount of $20,000 or above, Referee is eligible for 100% first-month interest rebate, rebate cap up to $1,000.(“Referee Rewards – Approval Reward”).
- If Referee completed a successful drawdown of X Cash.AI at the amount of $20,000 or above, and maintain a minimum daily loan outstanding balance of $20,000 or above under X Cash. AI loan account for 30 days, starting from the loan contract effective date, Introducer are eligible for rewards, earn up to $500 cash reward¹ for each successful referral from the 1st to 4th, and $1,800 cash reward¹ for the 5th successful referral(“Introducer Reward”).
- If Referee completed a successful drawdown of X Cash.AI at the amount of $20,000 or above, and maintain a minimum daily loan outstanding balance of $20,000 or above under X Cash. AI loan account for 120 days, starting from the loan contract effective date, Referee is eligible to earn $2,500 Cash Reward (“Referee Rewards – Targer Reward “).
- For details about the eligibility of the Introducer and Referee, eligibility and release of Rewards, please refer to the Promotion Details and Redemption Details aforementioned.
- Customer can only be referred once within the Promotion Period. X Cash.AI Member Get Member Program offer cannot be used in conjunction with other offers. In case of multiple applications received from the same Referee, The Company will only consider the earliest application as valid.
- Introducer and Referee must keep their X Cash.AI loan account normal and active (delayed repayment, bad debt, frozen, will be perceived as abnormal account) throughout the Promotion Period till rewards release. If they close, cancel the X Cash.AI loan account, or settled the loan before the rewards release, all the rewards under this Promotion will be forfeited.
- The Rewards under this Promotion are non-transferrable, non-reversible and non-refundable. The Company reserves the right to replace the rewards with any item(s) of equivalent value without prior notice.
- The Company reserves the right to check the Proof of Identity to verify the identity of customers. If the information provided by the customers is incomplete, unclear, missing, or if the customers cannot be contacted nor their identity cannot be verified, The Company reserves the right to disqualify their eligibility to this Promotion without prior notice.
- The Company reserves the right to disqualify the eligibility of any customer and forfeit their rewards for any provision of false information or breach of the Terms and Conditions within or after the Promotion Period.
- The use of X Pay e-Cash Voucher is subject to terms and conditions. For the terms and conditions of X Pay e-Cash Voucher service, please refer to the X Pay website (zero-xpay.com) or inquire with the relevant supplier.
- If the Introducer or Referee fails to provide their receiving bank account details within 30 days upon the successful loan application, it will be deemed as an automatic forfeit of the relevant rewards.
- If there is no transaction in the customer’s Reward wallet in past 24 months, all reward balances will be expired.
- All personal data collected will be processed in accordance with the Privacy Policy of The Company.
- The Company will not accept any liability for any delays or losses of application data submitted by customers due to any computer, network, telephone, and other technical issues. Customers shall not hold The Company for accountable.
- The Company reserves the right to amend these Terms and Conditions or suspend this Promotion at any time without any prior notice.
- By participating in this Promotion, customers accept and agree to be bounded by these Terms and Conditions. The Company reserves the right to disqualify the eligibility of participation or to the rewards of customers for any breach of these Terms and Conditions, and to pursue legal action against any behavior that disrupts the event.
- The Company reserves its absolute right on any loan approval decision,rewards issuance decision or any disputes.
In the event of any discrepancies between the English version and the Chinese version of these Terms and Conditions, the Chinese version shall prevail.
