Get $1,300 Cash Rewards from X Wallet for Start Up and SME

Get $1,300 Cash Rewards from X Wallet for Start Up and SME

How to start a business with insufficient funds? X Wallet here to help you start your plan on the right foot.


Growing a successful start-up takes time and ideas. Many younger generations in Hong Kong have always been talented in creative ideas, but how can a good plan be done if the funds are insufficient? X Wallet here to support start-ups and small businesses to pursue the dream.


As the first A.I. instant loan approval app in Hong Kong, X Wallet understands the difficulties of starting a business, so we will do our best for you to build the future altogether.

Our online instant approval loan uses advanced AI technology for data analysis. Simply provide your HK ID card in just 3 simples steps to complete the loan application; income proof or address proof is not required in the whole process. It just takes 5 seconds to obtain the approval result and the interest rate is as low as $0.22 per day* with flexible repayment amount and period.  The loan amount can be withdrawn at anywhere anytime by logging in to the X Wallet mobile App.  

24/7 mobile application and 24-hour FPS transfer allow you to get the loan right away and providing you the flexibility to manage your cash flow. From now until 31 December 2023, successfully apply for X Wallet loan to enjoy $1,300 cash reward.

*The loan amount is calculated in $1,000.


Promotion code: STARTUP
Promotion Period: 
From 3 November 2023 – 31 December 2023


  • Hong Kong resident at least 18 years old
  • Waive income proof and address proof
  • New customers use promo code “STARTUP”, will receive $1,300 cash rewards once successfully apply and confirm the X Wallet loan contract.
  • Eligible customers must provide additional documents (i.e BR/ CI/ IG Shop /Online shop proof) to enjoy this offer. Zero Finance Hong Kong Limited (“The company”) reserves the right to verify the proof documents submitted by the customers and reserves the right of final interpretation of the definition of eligible customers.

Product Feature:

  • Annualised Percentage Rate (APR) as low as 8%
  • No annual fee and handling fee
  • 24/7 mobile application and FPS instant loan disbursement and repayment
  • A.I. 5 seconds instant approval
  • Daily interest, no handling fee for early repayment

Promotion Detail

  • Eligible customers will receive $1,300 cash reward when he/she is successfully approved for the X Wallet Express Loan (hereinafter referred to as “X Wallet Loan”) and confirmed the loan contract for the first time. Within 90 days when the loan contract is confirmed, the account must remain in a normal and active state (overdue repayments, bad debts, etc. are all regarded as abnormal accounts) and cannot be settled to enjoy the offer.
  • To enjoy the offer, customers must enter the promotion code during the loan application process.
  • Within 7 working days confirming the contract, the customer must submit the relevant documents to enjoy the reward. Our customers service specialists will contact the customers within a week after the customers confirmed the loan contract successfully to collect the relevant documents. Customers can also email the supporting documents to or WhatsApp 2531 0331.
  • Cash reward will be calculated automatically by the system. Customers does not need to operate manually and will be notified to get the reward within 90 days after the confirmation of the loan contract. The system will send a message to notify the customers that the rewards settlement has been completed.
  • Customers can login X Wallet and click the withdraw button on the “Referral & Rewards” Page to receive the reward. The cash transfer will take about two working days to your designated Hong Kong bank account (public holidays or Saturdays and Sundays are not regarded as working days).
  1. This promotion is only applicable to X Wallet new customers who have successfully approved the X Wallet loan for the first time during the promotion period and confirmed the loan contract, or customers who do not have a surviving loan account within 12 months from the date of confirming the loan contract.
  2. The time for submitting loan applications is subject to the computer records of Zero Finance Hong Kong Limited (the company). Overdue applications will not be accepted.
  3. Each customer can only enjoy this offer once during the promotion period.
  4. The promotion code must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
  5. The offer is not transferable, cancellable and returnable.
  6. The Annualised Percentage Rate (APR) for individual customers may vary. The illustration does not reflect the actual repayment amount
  7. The company reserves the right to verify the customers’ identity. Customers will be disqualified from the offer without prior notice if the personal information provided is found to be unknown, unclear or missing and unable to contact the customers or verify the customer’s identity.
  8. All the personal information collected will follow the personal data privacy policies of the company.
  9. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues which cause the customer to delay or miss for submitting an application. The customers cannot make any legal action or investigation to the company.
  10. The company reserves the right to amend the terms and conditions of this offer or stop this loan promotion program at any time without prior notice. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
  11. The company reserves the right to disqualify the eligibility of the customers and withdraw the rewards if the personal information provided is found to be fake or any actions breach of the terms and conditions.
  12. The offer cannot be used in conjunction with other discounts or promotion offers. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
  13. By participating in the offer, each customer agrees to be bounded by these terms and conditions. The company reserves the rights to disqualify the eligibility of customers, and withdraw the offer and to proceed legal action, if any breach of terms and conditions.
  14. If the customer closes, cancels or settle his/her X Wallet loan account before the reward is issued, all rewards will be cancelled immediately.

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