Promotion Code: ZERO
Promotion Period: From 19 Jun 2025 to 11 Jul 2025

(1)  During the promotion period, new customers who apply for the X Cash.AI Loan for the first time and enter the promo code “ZERO” during the application process, confirm the loan, and maintain the loan for 60 days or more will enjoy a 100% interest rate for the first 30 days. 

(2) Customers’ accounts must remain in normal active status (any overdue payments, bad debts, etc., will be considered as non-active accounts) at all times until the reward is issued during the promotion period to be eligible for this offer.

Reward Details:

  • Interest rebate notification will be sent 60 days after the end of the promotion (i.e., September 11) via message notification in the X Wallet App to eligible customers.
  • Eligible customers must log in to the X Wallet App, click on the “Personal” page, and select the “Bank Card” option to add their Hong Kong bank account number to withdraw the cash rebate. Transfers to the designated Hong Kong bank account number will take about two working days (excluding public holidays, Saturdays, and Sundays).
  • Customers must ensure that the bank account number entered for receiving funds is true, accurate, and valid. The company is not responsible for any situation that results in the reward not being successfully transferred to that account.
  • All loan accounts must be in normal status to execute the reward withdrawal function.
  • Rewards have a withdrawal and usage validity period. If a customer’s reward wallet has had no transaction record in the past 24 months, all reward balances will expire.
  • If a customer closes or cancels their X Cash.AI Loan account under any circumstances, all rewards will be immediately canceled.

Examples of Reward Release
Approved Loan Amount Within 60 days of contract enforcement Reward
Min. Daily Loan Remaining Balance Account Status
 $20,000 or above $20,000 or above Normal and active Interest rate rebate for the first 30 days.
$20,000 or above $10,000 Normal and active Not Eligible
$20,000 or above $30,000 Delayed repayment Not Eligible 
  1. This Promotion is valid from Jun 19 2025 to Jul 11, 2025 (both dates inclusive) (“Promotion Period”).
  2. The submission time of the 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 cardholders 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. The promotion code must be entered during the loan application process; subsequent supplements or changes are not allowed.

  6. For any successful first-time application of X Cash.AI (i.e., no application and/or hold of any X Lend loan in the past 12 months) made within the Promotion Period, customers will be entitled to Interest rebate for first 30 days if they maintain a balance of $20,000 or above in their X Cash.AI loan account every day for 60 days starting from the enforcement date of the loan contract. For details about eligibility, the e-Cash Voucher, and Cash Reward, please refer to the Promotion and Redemption Details mentioned above.

  7. Customers 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 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 considered abnormal) within 60 days of the loan contract enforcement date. If they close or cancel their X Cash.AI loan account or settle the loan before the reward release, all rewards under this Promotion will be forfeited.

  9. The Rewards under this Promotion are non-transferable, non-reversible, and non-refundable. The Company reserves the right to replace the rewards with items of equivalent value without prior notice.

  10. The Company reserves the right to verify customers’ identity. If the information provided is incomplete, unclear, or missing, or if customers cannot be contacted or their identity cannot be verified, The Company reserves the right to disqualify their eligibility without prior notice.

  11. The Company reserves the right to disqualify any customer and forfeit their rewards for providing false information or breaching the Terms and Conditions within or after the Promotion Period.

  12. If there are no transactions in the customer’s Reward wallet in the past 24 months, all reward balances will expire.

  13. All personal data collected will be processed in accordance with The Company’s Privacy Policy.

  14. The Company will not accept any liability for delays or losses of application data submitted by customers due to any technical issues. Customers shall not hold The Company accountable.

  15. The Company reserves the right to amend these Terms and Conditions or suspend this Promotion at any time without prior notice.

  16. By participating in this Promotion, customers accept and agree to be bound by these Terms and Conditions. The Company reserves the right to disqualify any customer for breaching these Terms and Conditions and to pursue legal action against any disruptive behavior.

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