Refer Your Friend & Enjoy Up To HK$1,200 Promotion Details
Promotion Period: From 1 February 2023 until 31 March 2023
1. Rewards detail
1. X Wallet members successfully recommend relatives and friends to apply and confirm the X Wallet personal loan ("X Wallet loan") contract for the first time, they will entitle for designated cash rebates:
No. of Friend(s) / Relative(s) Recommended
Rebates Amount for Each Referrer
Rebates Amount for Each Referee
1 to 5
6 to 10
11 to 15
2. How do I participate in the Member Get Member (“MGM”) program?
You just simply register as an X Wallet member and confirm with agree the MGM’s terms and conditions for this program.
3. What are the criteria the member must meet in order to eligible for the MGM rewards?
I. Referrer must be Hong Kong permanent residents aged 18 or above.
II. Referrer and Referee are both registered as an X Wallet member.
III. If Referrer has an X Wallet eXpress Loan (“X Wallet loan”) account, Referrer must maintain the loan account as normal status.
IV. Referee must maintain their X Wallet loan account as normal status and not settled.
V. Referee must be the new applicant for X Wallet loan, OR X Wallet member that has never been reactivated and applied for an X Wallet loan in the past 12-months period.
VI. Referee must confirm the loan contract and has drawdown successfully.
4. How do I refer someone?
Each Referrer has their unique personal referral code, which is displayed on the 'Referral & Rewards' Page. The Referrer can recommend anyone to apply for the X Wallet loan by sharing your referral code, referral URL or referral QR code.
5. How do I use the referral code?
When logged-in to X Wallet, the Referee cans enter the referral code during the X Wallet loan application process; If the Referee used a referral URL or QR code to open X Wallet and apply for an X Wallet loan, the system will verify the identity of both the Referrer and Referee automatically.
6. Is there a limit on the number of referrals?
There is no limit, we welcome the Referrer to recommend X wallet as much as they want.
7. How do I redeem my rewards?
Log-in to X Wallet and simply tap the withdraw button at the ' Referral & Rewards' Page. We will then transfer the rewards into your designated Hong Kong bank account. The money transfer takes around 2 working days (excluding Saturday, Sunday or public holiday).
Terms and Conditions
1. This promotional offer (the “Promotion”) is valid from 1 February 2023 to 31 April 2023, both dates inclusive (the “Promotion Period”).
2. The Referee must be the new customer for X Wallet eXpress Loan ("X Wallet loan”), confirmed loan contract and has drawdown successfully. Then the Referrer can get HK$500 cash rebates; The Referrer would be rewarded for the referral (capped at HK$700 for cash rebates).
3. “New customer” refers to those who are not holding X Wallet loan account in past 12 months from the date of confirming the loan contract.
4. The Referee needs to insert referral code and apply for the X Wallet loan within the promotion period, the application is based on the loan contract confirmation time. All date and time-related are subject to the system report and Zero Finance Hong Kong Limited (“the company”) final decision. Any delayed loan contract confirmations are not accepted.
5. The Member Get Member (“MGM”) program is only available to Hong Kong permanent residents aged 18 or above.
6. The MGM program is only available for X Wallet members, who include Referrer and Referee. The Referee must be the new applicant for X Wallet loan and confirmed loan contract and drawdown successfully. Or X Wallet member that has never been reactivated and applied for an X Wallet loan in the past 12-months period, and confirmed loan contract and drawdown successfully.
7. Each new customer (i.e., Referee) can only be referred to once. If more than one Referrers recommend the same Referee, only the first Referrer according to the record of the company will be eligible for the referral reward.
8. The referral code must be entered during the loan application process, the referral code cannot be corrected after the referral code has been accepted, supplementary are not accepted.
9. The company reserves the right to verify the member's identity. Loan customer will be disqualified from the MGM program if the personal information provided is found to be unknown, unclear or missing and unable to contact the member or verify the member’s identity.
10. All personal information collected will abide by the data policies of the company.
11. The rewards from the MGM program are not transferable.
12. To avoid any conflict of interest, employees and agents of the company cannot participate in the MGM program.
13. The Referrer and the Referee cannot be the same person, nor use the same bank account to receive the rewards.
14. The referral method that the Referrer used must be lawful, otherwise, the company has the right to cancel the referral reward for the Referrer.
15. If Referrer has an X Wallet loan account, Referrer must maintain their X Wallet loan account as normal status in order to withdraw the rewards.
16. Referee must maintain their X Wallet account as normal status in order to withdraw the rewards.
17. When the system receives the instruction for the withdrawal of the reward, the money will be transferred immediately. The money transfer will take around 2 working days (excluding Saturday, Sunday or public holiday), depending on the real-life situation and the designated bank that you are using.
18. Referrer and Referee must ensure the bank account information provided is correct, accurate and active. The company will not accept any liability for any circumstances that caused or discovered that the reward failed to transfer to the designated bank account.
19. Within 60 days after the Referee successfully confirms the loan contract, if Referee or Referrer fails to provide the correct bank account used for receiving awards, it will be deemed to automatically give up the relevant reward.
20. To be eligible to get the cash rebates, the Referee must maintain his/her X Wallet loan account in an active and normal status, cannot be settled and their remaining balance must 50% or above upon the approved loan amount every day, from the 1st day to 60th on signing contract day.
For example: The approved amount of the client (Referee) is $40,000, and the confirming loan contract date: 2023-02-01
During 2023-02-01 to 2023-03-31 (60-day period), the daily outstanding must be maintained at least $20,000 or above to qualify for the rebate from Marketing.
21. To be eligible to get the cash rebates and extra rewards for Referrers, the Referrer must attain the requirement mentioned in “Terms and Conditions” Point 21 (i.e. the Referee must maintain his/her X Wallet loan account in an active and normal status, cannot be settled and their remaining balance must 50% or above upon the approved loan amount every day, from the 1st day to 60th on signing contract day.)
22. The rewards will be distributed to eligible Referrer and Referee within 90 days upon signed contract day of the Referee, and will have in-app message to notify customers the completion of the rebate distribution.
23. The rewards would be cancelled, if the Referrer or Referee close , cancel or settle the X Wallet member account under any circumstance.
24. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues that cause the member to delay or missed the submission of an application.
25. The company reserves the right to amend these terms and condition or suspend this MGM program without any prior notice.
26. The company will not accept any liability for any loss due to failure to follow the instruction of the MGM program.
27. The company reserves the right to disqualify the eligibility of the member and withdraw the MGM program if the personal information provided is found to be fake or breach of the terms and conditions.
28. By participating in the MGM program, each member agrees to be bound by these terms and conditions. The company reserves the right to disqualify the eligibility of member, to withdraw the MGM program and to proceed legal action, if any breach of terms and conditions is found.
29. If there is any inconsistency or ambiguity between the English version and the Chinese version, Chinese version shall prevail. In case of any dispute, the company reserves the right of final decision.