【Flash Offer】Apply for the X Cash.AI Loan and receive up to $10,000 cash rebate.*
Promo Code: XW193 / XWONG
Reward Details:
1. First-time applicants for the X Cash.AI Loan who enter the promo code “XW193” / “XWONG” during the application process will receive a $300 X Pay Electronic cash voucher, regardless of whether the application is approved.
2. New customers must maintain an active account status (accounts with overdue payments, bad debts, freezes, etc., will be considered inactive). The daily loan balance must be maintained at HK$20,000 or above to qualify for the cash rebate, with a maximum reward of up to $10,000*!
^New customers must meet the following conditions to apply for the X Cash.AI for the first time:
A. Must not have applied for or held any loan accounts with X Wallet and/or X Lend in the past 12 months.
B. Must apply for the X Cash.AI Loan for the first time during the promotion period and enter the promo code “XW193” / “XWONG” during the application process and confirm the loan agreement.
C. Clients must maintain an active account status within 120 days from the date of contract confirmation (accounts with overdue payments, bad debts, freezes, etc., will be considered inactive), and the daily loan balance must be maintained at HK$20,000 or above to qualify for the following cash rebate:
List of Rewards
| Within 120 days from the date of contract confirmation | ||
| Daily Minimum Loan Balance | Account Status | Reward |
| $20,000 – $60,000 | Active | $2,000 Cash Rebate |
| $60,001 – $90,000 | Active | $4,000 Cash Rebate |
| $90,001 – $128,000 | Active | $6,000 Cash Rebate |
| $128,001 – $180,000 | Active | $10,000 Cash Rebate |
Designated Period for Loan Contract Enforcement
| Enforcement Date of Loan Contract | 150th day upon Loan Contract Enforcement | |
|---|---|---|
|
Earliest |
5 Nov 2025 |
5 Mar 2026 |
|
Latest |
30 Nov 2025 |
30 Mar 2026 |
Example
| Approved Loan Amount | Within 120 days from the date of contract confirmation | Reward | Reasons for Not Receiving the Reward | |
| Daily Minimum Loan Balance | Account Status | |||
| HK $20,000 | HK $20,000 | Active | HK $2,000 Cash Rebate | N/A |
| HK $70,000 | HK $60,000 | Active | HK $2,000 Cash Rebate | The daily minimum loan balance is HK$60,000. The customer is not eligible for the HK$4,000 cash rebate but still qualifies for the HK$2,000 rebate. |
| HK $180,000 | HK $170,000 | Active | HK $10,000 Cash Rebate | N/A |
| HK $20,000 | HK $20,000 | Active | – | The customer has applied for the X Cash.AI Loan in the past 12 months. |
| HK $20,000 | HK $20,000 | Active | – | Overdue Payment |
——————————————————————————–
Redemption Details
A. 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.
B. Cash Rewards
- Cash Reward will be released to Rewards wallet in X Wallet App under X Lend section.
- 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. 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 Lend account under any circumstances, all rewards will be deemed as forfeited.
1. This Promotion is valid from 5 Nov 2025 to 30 Nov 2025 (both dates inclusive) (“Promotion Period”).
2. 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.
3. Only HKID cardholder aged 18 or above are eligible to participate in this Promotion.
4. To avoid any conflict of interest, employees of The Company are prohibited from participating in this Promotion.
5. Promotion code must be entered during the loan application process, where subsequent supplements or changes are not allowed.
6.^Customer must be a first-time applicant for the X Cash.AI Loan (i.e., has not applied for or held any loan accounts with X Lend using the same Hong Kong permanent identity card in the past 12 months) and must have successfully obtained approval for the X Cash.AI Loan and confirmed the loan agreement. Within 120 days from the date of contract confirmation, if the daily loan balance is maintained at $20,000 or above, the following rewards can be obtained:
- If the daily loan balance is maintained between $20,000 and $60,000, a cash rebate of $2,000 can be obtained.
- If the daily loan balance is maintained between $60,001 and $90,000, a cash rebate of $4,000 can be obtained.
- If the daily loan balance is maintained between $90,001 and $128,000, a cash rebate of $6,000 can be obtained.
- If the daily loan balance is maintained between $128,001 and $180,000, a cash rebate of $10,000 can be obtained.
7. 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.
8. Customers must keep their X Cash.AI loan account normal and active (delayed repayment, bad debt, etc. will be perceived as abnormal account) within 120 days upon the enforcement date of the loan contract. If they close, cancel the X Cash.AI loan account, or settled the loan before the reward release , all the rewards under this Promotion will be forfeited.
9. 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.
10. 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.
11. 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.
12. 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.
13. If there is no transaction in the customer’s Reward wallet in past 24 months, all reward balances will be expired.
14. All personal data collected will be processed in accordance with the Privacy Policy of The Company.
15. 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.
16. The Company reserves the right to amend these Terms and Conditions or suspend this Promotion at any time without any prior notice.
17. 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.
In the event of any discrepancies between the English version and the Chinese version of these Terms and Conditions, the Chinese version shall prevail. In case of any dispute, the company reserves the right to make final decision.
