[Consumption Coupon Phase 2 / PayMe / BoC Pay / Octopus / Octopus Cap / Alipay HK Alipay / WeChat Pay / Tap & Go] The government will open the transfer or new registration of eligible citizens tomorrow (23rd). With the addition of two new operators, namely HSBC PayMe and BOC Hong Kong's BoC Pay, the battle for customers is imminent.
The 6 operators have recently launched a number of promotions, such as PayMe's Tesla lucky draw, BoC Pay's transfer offer of up to RMB 168, and Octopus's stamp deposit of RMB 200.
The following will analyze their respective characteristics and advantages, as well as introduce the most popular transfer offers.
35,000 merchants accept PayMe at least
PayMe is HSBC's e-wallet. It was launched as early as 2017. It is Hong Kong's first "person-to-person" (P2P) mobile money transfer app. It supports non-HSBC users to apply.
However, the four old operators have actively approached merchants last year, with a total coverage of more than 100,000. PayMe currently has only 35,000 online and physical merchants, a relatively low number.
However, PayMe has the advantage of earning RewardCash points by adding value to your credit card.
In fact, PayMe provides 3 times points for newly registered or transferred HSBC credit card users; as for users who are insured by HSBC designated insurance, they can get a discount coupon of 5,000 yuan, which is automatically used for every 250 yuan.
PayMe users note that transfers are not applicable to vouchers
However, Fang Baoqiao, honorary chairman of the Hong Kong Information Technology Chamber of Commerce, reminded users that the transfer function used in ordinary times is different from the use of consumer coupons, emphasizing that the transfer is P2P and does not belong to the applicable scope of consumer coupons.
He explained that many merchants in the market have not applied for the commercial version of PayMe, and use the transfer function to receive payment, which is easy for users to misunderstand the payment method, which is also applicable to consumer coupons.
Applicable to: HSBC users / those who want to use more HSBC services at preferential prices
Consumer Coupon｜PayMe Pushes 40 Million Rewards to Get $25 Discount Coupon
HSBC credit card users get 3x points on Tesla Model 3
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．Users who receive consumer coupons will receive a discount coupon of 25 yuan;
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．Automatically participate in the lucky draw to win Tesla Model 3;
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．Enjoy 3x RewardCash by adding value to your HSBC credit card;
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．Apply for designated insurance and get a merchant discount coupon of RMB 5,000;
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．The referrer and the referee will receive a discount coupon of RMB 15, and the first 10 will receive a Tesla Model 3 or iPhone 13 Pro;
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Other offers (click here)
BoC Pay transfer discount up to RMB 168
BOCHK's BoC Pay also supports non-bank users to apply, provides cross-border payment and automatic RMB exchange services, and can remit money to 7 major bank accounts in the Mainland, including Bank of China, Industrial and Commercial Bank of China, China Construction Bank, etc.
However, it should be noted that consumer vouchers cannot be used across borders.
In addition, the current BoC Pay transfer discount amount is up to 100 yuan. If you bind your account or BOC UnionPay credit card, you can get an additional 68 yuan reward, that is, new users who transfer can get 168 yuan.
You can also get 20 yuan for every person you refer to register, which is the highest amount in the instant referral discount.
According to data from last year, Bank of China has a huge mobile payment network in the mainland, covering a total of 29 million mainland merchants, including 2.3 million in the Greater Bay Area and over 70,000 in Hong Kong.
Users can use BoC Pay to spend in mainland China, including buying high-speed rail tickets, taking taxis and shopping at stores, etc. The functions are similar to AlipayHK and WeChat Pay HK.
Applicable objects: BOCHK users / people who frequently travel between China and Hong Kong
Consumer Coupon｜BoC Pay push code discount to grab customers for $1999 to buy iPhone 13, transfer and get $100
1,999 yuan off online purchases to buy iPhone 13 or PS5
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"Transfer cash reward" 100 yuan;.
．New users will get 68 yuan for binding accounts or BOC UnionPay credit cards;
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．Every successful referral will get 20 yuan, with no upper limit;
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Youhe YOHO discount: 1,999 yuan to buy iPhone13 (100 places), 1,999 yuan to buy PS5 (20 places), 999 yuan to buy Switch (20 places);
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Other offers (click here)
Octopus must be tapped multiple times to receive coupons
Octopus is one of the most popular payment tools in Hong Kong. Currently, there are more than 30 million Octopus cards in circulation in the market. Last year, about 70% of eligible citizens registered consumption coupons with Octopus.
Citizens are more commonly used for public transport, petty transactions and security systems in some housing estates.
Later, in order to cooperate with the issuance of consumer coupons, the upper limit of the stored value of Octopus was expanded to 3,000 yuan, and will be raised again at the end of the year. However, the current 5,000 yuan consumption coupons still have to be collected by tapping the card multiple times, which is not conducive to large-value transactions.
However, some citizens are not tech-savvy, while others have to use smartphones, so Octopus is the only option.
Only Octopus can receive transportation subsidy Anonymous privacy protection is the highest
Consumption vouchers are applicable to public transportation and do not conflict with transportation subsidies. Although AlipayHK's EasyPass, Tap & Go and BoC Pay's UnionPay have been used on various transportation since last year, currently only Octopus is applicable to Transportation subsidy scheme, so it is better in the field of transportation.
In addition, Octopus does not require users to install a mobile app. Any bearer Octopus card can be registered for consumption coupons, with the highest privacy protection.
At the same time, the last 1,000 yuan Octopus consumption coupon is not limited by merchants and time. In addition to being used to pay utility bills and other public expenses, it can also be returned to the Octopus card for cash.
However, the discount launched by Octopus this time is bound to the App, and users must deposit stamps through the App to receive a maximum of RMB 200.
Applicable objects: the elderly, those with high transportation costs, those who need privacy protection, and those who need to cash out
Consumer coupons｜Octopus spends 250 million yuan to retain customers, new and old users can save up to 200 yuan for stamps
Store stamps get up to 200 yuan and new users get 30 yuan more
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．The first 1 million people who collect 8 stamps will get 50 yuan;
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．The first 1 million people who collect 12 stamps will receive 150 yuan;
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．Existing users will receive 5 stamps for "Renewal Membership";
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．New users who sign up for the App will receive a welcome reward of 30 yuan;
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．Buy 3-month KMB monthly pass and get 1-month free;
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Other offers (click here)
AlipayHK "Brand Channel" to grab up to 200 yuan gift voucher
AlipayHK is a subsidiary of Alibaba Ant Financial. Therefore, AlipayHK users can automatically convert the Hong Kong dollar in the e-wallet to RMB for payment on Taobao without paying any handling fee.
Although consumer coupons are not applicable to mainland consumption, AlipayHK's discounts last year also included Taobao-related "Double 11 Shopping Festival" discounts.
At present, AlipayHK has covered more than 100,000 merchants in Hong Kong, and will update the stamp function every month. In recent months, it has also launched the "Brand Channel" function, and cooperated with merchants to launch more than 200 exclusive coupons. A few days ago, you can grab a 20 yuan gift certificate every day, and you can grab a maximum of 10 times, that is, a maximum of 200 yuan.
In addition, transfer or new users can automatically participate in the lottery, and have the opportunity to get Hong Jiahao and Zhang Tiantian's concert tickets.
Applicable objects: Citizens with Taobao habits, Zhang Tianli fans / people who frequently travel between China and Hong Kong
Consumer Coupon｜Registering AlipayHK Push Four Rewards from June 23, users can earn up to $1210
Draw a talent concert ticket
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．Follow 3 brands on the "Brand Channel" page to get 10 yuan;
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"Rewards Grab" to grab a gift certificate of 20 yuan every day, and a maximum of 200 yuan for 10 days;
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．Pick up Hong Jiahao and Zhang Tiantian concert tickets
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．The first application of Q Credit Card is approved to receive a 1,000 yuan gift;
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Other offers (click here)
WeChat Pay HK specializes in charitable donations based on user spending
WeChat Pay HK is positioned similarly to AlipayHK. It also uses QR code to pay and offers stamp discounts. Currently, it covers more than 150,000 merchants in Hong Kong. However, the app it is on is also an instant messaging social platform. The interaction of payment functions, such as the distribution of red envelopes through the e-wallet in the chat group, but with complete functions, the interface is relatively rich, and the steps to enter the coupon page are increased, which is not friendly to the new user experience.
As for WeChat Pay HK transfers or new users, there are 5 lucky draw chances, and a maximum of 88 yuan extra coupons, and 50 yuan of merchant electronic cash coupons, and there are many joint shopping malls and banks.
WeChat Pay HK is also the only major charitable public welfare activity. According to the number of users' consumption and the number of public welfare stamps obtained, a maximum of 3 million yuan will be donated to Food Wise, Hong Kong Single Parents Association and Neighborhood Counseling Association.
Applicable objects: WeChat users / enthusiastic public welfare citizens / people who frequently travel between China and Hong Kong
Consumer Coupon｜WeChat Pay Free $30 and 5 lucky draws
Give away 30 yuan and provide 5 lucky draws
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Register to receive 30 yuan and 5 lucky draws, the maximum prize is 88 yuan.
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．Bind Furong Bank to send a maximum of 230 yuan;
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．New users will receive a merchant cash coupon of RMB 50;
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．Promote the "Four-fold Rewards for Consumption Festival" with 8 shopping malls;
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"Do One Kindness Every Day" donates up to 3 million yuan to charitable organizations
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Other offers (click here)
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Tap & Go Free Edan Collection Set
Citizens who use Tap & Go to get consumer coupons are the least, accounting for only 5% like WeChat Pay HK. However, Tap & Go's e-wallet connects two prepaid cards including Mastercard and UnionPay, as long as the merchant has installed any institution that accepts the two All contactless card readers can make payments, so Tap & Go has more than 100,000 retail and online store merchants.
The benefits of prepaid cards are not limited to this. Some citizens who cannot apply for a credit card may find it difficult to buy air tickets, concert tickets, etc.
To apply for a prepaid card, there is no need to check the user's salary, background and other information.
The parent company of Tap & Go is Hong Kong Telecom, which belongs to the same group as Hong Kong TV Entertainment, which belongs to ViuTV. Therefore, this year, we launched special offers around Edan. Go HKT users can also draw MIRROR concert tickets.
Applicable object: MIRROR fans
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．Send csl 5G experience package (100,000 places);
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．Recommend 3 people to register to get "Edan Collection Set";
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Other offers (click here)
▼The second issue of $5000 coupon Q&A▼
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Consumption Voucher｜Octopus Research One-time Cash Pickup must meet one condition Physical card no more than $6500 Consumption Voucher｜Registering AlipayHK Push Four Rewards from June 23rd, users can earn up to $1210 Consumer Voucher｜Octopus end date disappears, misunderstandings, more negative money and qualified fans Thinking of picking up $1000 coupons next month｜Octopus failed to receive the last $1000, the next deadline is 6.30, check if you are eligible