Terms and Conditions:

MEVAS Mcmug And Mcdull Principal Cardholder can apply for the Octopus Automatic Add-Value Service for maximum of 3 members aged 12 or above. MEVAS Bank will charge HK$100 for each Personalized Octopus Card (Including HK$50 for deposit, HK$30 for stored value and HK$20 for non-refundable handling fee) for Octopus Card Limited. The current daily automatic add-value amount is HK$250 or HK$500. There is no application fee for all first time application for the AAVS. For existing users of the AAVS, Octopus Card Limited will charge non-refundable handling fee of HK$20 for transferring the AAVS from one bank to another, or reactivation of the AAVS suspension. Such fee(s) will be debited from Cardholder's MEVAS Mcmug And Mcdull Credit Card account. Bonus Point Scheme is applicable to retail spending and Octopus AAVS amount only, excluding cash advance, balance transfer amount, handling fees, financial charges, bill payment, “Happy Installment”, "Cash-in Plan", tax payment, interest-free installment transaction, casino transaction, unposted/cancelled/refunded and all unauthorized transactions . To enjoy the offers, Cardholder must present Mcmug And Mcdull Credit Card upon purchase and settle the payment with the Card. For details, please refer to the year-round offer leaflet, which will be sent with the Card to Cardholder. "Cash-in Plan": This plan is only applicable to Principal Cardholder and is only applicable to local personal bank account holder. (Not applicable to joint accounts or supplementary cardholder). No Bonus Point will be awarded for this plan. MEVAS Bank will charge a monthly handling fee calculated based on the approved amount at such percentage as MEVAS Bank from time to time prescribe at our discretion. Please refer to the promotional leaflet for the updated handling fee. "Happy Installment" is only applicable to transaction(s) valued at HK$800 (or its equivalent in other currencies) or above. All combined transactions must be made under the same Card account. Cardholders must apply at least 10 working days before payment due date of the transaction(s), as printed on the monthly statement (applications apply to transaction(s) made within recent 2 months) and keep the related sales slip as well as the invoice of related merchants for proof. Please refer to here for the monthly handling fees and related Annualized Percentage Rates . MEVAS Bank has the right to accept or reject an installment plan application without the need to provide reasons. In case of any dispute, the decisions of MEVAS Bank shall be final. This installment plan shall be subjected to the terms and conditions of "Happy Installment" and the related terms and conditions can be downloaded from here or call 3101 3101 for details. For payment with Mcmug And Mcdull Credit Card, a service fee of 1% of the payment amount will be charged (Only applicable to the pre-registration merchants ). No Bonus Point will be awarded for the e-banking services. For information of the merchant list, please visit here. The annual interest rate of Mcmug And Mcdull Credit Card for retail spending and cash advance is 23.8%. According to the Net Present Value (NPV) Method specified in the Code of Banking Practice, the Annualized Percentage Rates ("APR") of retail transactions and cash advance are 25.6% and 28.09% respectively. MEVAS Bank reserves the right to make the final decision on the approval of Credit Card, Balance Transfer, "Cash-in Plan" and "Happy Installment". MEVAS Bank does not warrant the quality of the products or services provided by the participating merchants. The participating merchants shall be solely responsible for all effects and consequences of the products and services. MEVAS Bank reserves the final rights to amend these terms and conditions or terminate the offer at any time without prior notice. In case of any disputes, the decision of MEVAS Bank shall be final. In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.