【Easter Flash Rewards】$300 X Pay Voucher for first-time application submission and up to $8,000 Cash Rewards for loan drawdown!
Promotion Period: 16 Apr 2025 – 30 Apr 2025 (subject to application time)
Promo Code: EASTER
Promotion Details
Let’s celebrate EASTER 2025 together ! New customers^ who apply X Cash. AI for the first-time within promotion period, with successful loan drawdown of $20,000 or above, will be entitled to rewards up to $8,300. Having a 24/7 instant-fund feature, X Lend provides flexible cash flow and supports all your needs in-time even during public holidays!
Reward Details
- New customers^ who apply X Cash.AI for the first-time with promotion code “EASTER” within promotion period, once the loan contract is confirmed, customers will be entitled up to $8,000 cash reward.
- ^To be eligible for participating in this promotion, customers must fulfill the below:
A. Do not apply and/ or hold any X Wallet and / or X Lend loan account in the past 12 months.
B. Enter promotion code “EASTER” during application process and confirm the loan contract.
C. Maintain a normal and active X Cash.AI loan account (delayed repayment, bad debt, etc. will be perceived as abnormal account) with account at least balance of $20,000 or above for 120 days starting from the loan contract enforcement date in every day.
| Approved Loan Amount | Within 120 days of contract enforcement | Total Rewards | |
| Min. Daily Loan Remaining Balance | Account Status | ||
| $20,000 or above | $20,000 – $60,000 | Normal and active | $2,000 Cash Reward |
| $20,000 or above | $60,001 – $98,000 | Normal and active | $4,000 Cash Reward |
| $20,000 or above | $98,001 or above | Normal and active | $8,000 Cash Reward |
Designated Period for Loan Contract Enforcement
| Enforcement Date of Loan Contract | 120th day upon Loan Contract Enforcement | |
|---|---|---|
|
Earliest |
16 April 2025 |
14 August 2025 |
|
Latest |
14 May 2025 |
11 September 2025 |
Reward example
| Approved Loan Amount | Within 120 days of contract enforcement | Total Rewards | Reason for not gaining all rewards | |
| Min. Daily Loan Remaining Balance | Account Status | |||
| HK $20,000 | HK $20,000 | Normal and active | HK $2,000 Cash Rebate | N/A |
| HK $70,000 | HK $20,000 | Normal and active | HK $2,000 Cash Rebate | Daily minimum loan HK $20,000; not eligible to receive HK $4,000 cash reward, but still eligible for HK $2,000 |
| HK $100,000 | HK $99,000 | Normal and active | HK $8,000 Cash Rebate | N/A |
| HK $20,000 | HK $20,000 | Normal and active | – | Customer has reactivated or applied X Cash.AI in the past 12 months |
| HK $20,000 | HK $20,000 | Delayed repayment | – | Delayed repayment |
——————————————————————————–
Redemption Details
A. $300 X Pay e-Cash Voucher
- Upon successful loan application, regardless of loan approval status, customers will receive $300 X Pay e-Cash voucher within 30 days after the end of promotional period. 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.
B. Up to $8,000 Cash Reward*
- Customers must maintain a $20,000 or above remaining balance of their X Cash.AI loan account every day for 120 days, starting from the enforcement date of loan contract. The cash reward will be released within 60 days upon the confirmation of customer fulfilling the above eligibility, and customers will be notified through inbox message within the 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 Card” option 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 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.
- This Promotion is valid from 16 April 2025 to 30 April 2025 (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 Lend loan with the same HKID 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. If customers maintain a balance of $20,000 or above in their X Cash.AI loan account every day for 120 days starting from the enforcement date of the loan contract, the following rewards will also be entitled:
- Maintain a daily balance of $20,000 – $60,000 to receive $2,000 cash rebate;
- Maintain a daily balance of $60,001 – $98,000 to receive $4,000 cash rebate;
- Maintain a daily balance of $98,001 or above to receive $8,000 cash rebate.
- For details about the eligibility of the Customers, eligibility and release of the e-Cash Voucher and Cash Reward, please refer to Promotion Details and Redemption Details aforementioned.
- 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, 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.
- 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 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.
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.
