【X Wallet Welcome Rewards】Apply for X Cash.AI Loan & Get up to $3,500 Rewards!
Promotion Period: 26 May 2026 to 30 June 2026 (subject to application time)
Promotion Code: EDISON
Promotion Details
Time & Money. Yours at Once. New customers^ who apply X Cash.AI for the first-time with promotion code “EDISON” within the promotion period will be entitled to $300 X Pay e-Cash Voucher, regardless of loan approval status. In addition, customers will be entitled to $3,200 Cash Rebate* once the loan is successfully drawn down.
Notes
^ To be eligible to participate in this promotion, customers must fulfill the below:
- Have not applied for and/ or held any X Wallet loan account in the past 12 months;
- Enter the promotion code during the application process.
* To be eligible for $3,200 Cash Rebate, customers 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 repay ment, bad debt, frozen, will be perceived as abnormal account) from loan contract effective date until rewards release.
Examples of Reward Release
Approved Loan Amount | Within the first 120 days of contract | Reward | Reason for Unsuccessful Reward Release | |
Min. Daily Loan Outstanding Balance | Account Status | |||
$50,000 | $20,000 | Normal and active | $300 X Pay e-Cash Voucher + $3,200 Cash Rebate | – (Get full rewards) |
$10,000 | $10,000 | Normal and active | $300 X Pay e-Cash Voucher | Approved loan amount less than $20,000 |
$20,000 | $10,000 | Normal and active | $300 X Pay e-Cash Voucher | Min. daily loan outstanding balance less than $20,000 |
$30,000 | $20,000 | Normal and active | N/A | Applied X Cash.AI in the past 12 months |
$30,000 | $20,000 | Delayed repayment | $300 X Pay e-Cash Voucher | Non-Active account |
$300 X Pay e-Cash Voucher
- Upon successful loan application, regardless of loan approval status, $300 X Pay e-cash voucher will be issued within 30 days from the last day of the month in which application is submitted. Eligible customers will be notified through inbox message of X Wallet App.
- 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.
- The X Pay e-Cash Voucher is non-transferable, non-cancellable, non-refundable, and cannot be exchanged for cash.
- 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.
$3,200 Cash Rebate
- After the loan contract is confirmed, customer must maintain a minimum daily loan outstanding balance of $20,000 or above under the loan account for 120 days, starting from the loan contract effective date. The cash reward will be issued to the Rewards wallet on X Wallet App within 60 days from the last day of the month in which customer is confirmed to meet the above criteria. Eligible customers will be notified through inbox message of X Wallet App.
- To withdraw the cash rewards, 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. The cash rewards 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 rewards to the account under any circumstances.
- All of the customer’s loan accounts must be in normal status to execute the reward withdrawal function.
- Rewards have a validity period for withdrawal and use; if there have been no transaction records in customer’s Rewards Wallet for the past 24 months, all reward balances will expire.
- If a customer closes or cancels his/her X Wallet account under any circumstances, all rewards will be deemed as forfeited.
- This Promotion is valid from 26 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.
- To avoid any conflict of interest, employees of The Company are prohibited from participating in this Promotion.
- Promotion 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 in the past 12 months) made within the Promotion Period, customers will be entitled to $300 X Pay e-Cash Voucher, regardless of loan approval status. Customers will also be entitled to $3,200 Cash Rebateif they maintain an outstanding balance of $20,000 or above in their X Cash.AI loan account every day for 120 days starting from the loan contract effective date.
- Customer can enjoy the offer once within the Promotion Period. The promotional offer cannot be used in conjunction with other offers. In case of multiple applications received from the same customer, The Company will only consider the earliest application as valid.
- Customers must keep their X Cash.AI loan account normal and active (delayed repayment, bad debt, frozen, will be perceived as abnormal account) within 120 days upon loan contract effective date. If they close, cancel the X Cash.AI loan account, 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 there is no transaction in the customer’s Reward wallet in past 24 months, all reward balances will expire.
- 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.
