Exclusive Offers for SMART Banking Customers
From now until 31 December 2026 ("Promotion Period"), New or Existing Customers Upgraded to SMART Banking can enjoy exclusive wealth management rewards of up to HK$88,888#!
Welcome Reward1
New or Upgraded to SMART Banking Customers:
- Apply for designated e-channel services can enjoy HK$200 Cash Reward
- Apply for World Credit Card can enjoy up to HK$500 Free Spending Credit
- "Rent One Year, Get One Year Free"* of Central Head Office Safe Deposit Box
(* Eligible for all SMART Banking Customer)
- Enjoy 20% off the first year rental of Safe Deposit Box of the designated branches
New SMART Banking Customers can enjoy 3.6% Preferential Saving Interest Rate!
Total Asset Balance Growth Reward3
New or Upgraded to SMART Banking customers can enjoy up to HK$12,000 Free Spending Credit when he/she has HK$1,000,000 growth or above in Total Asset Balance and complete below " designated items". Customers who successfully open/ maintain business account can enjoy EXTRA Free Spending Credit with a total value of Total Asset Balance Growth Reward up to HK$13,800.
During promotion period, "Designated items" include,
- Successfully apply for Personal Internet Banking Service; And
- Successfully open Securities Account; And
- Maintain valid "Customer Risk Profiling Questionnaire"
Total Asset Balance Growth
(in HKD or equivalent) |
Free Spending Credit
(HKD) |
EXTRA Free Spending Credit (HKD) |
| HK$8,000,000 or above |
HK$12,000 |
HK$1,800 |
| HK$5,000,000 to < HK$8,000,000 |
HK$3,000 |
HK$800 |
| HK$3,000,000 to < HK$5,000,000 |
HK$1,300 |
HK$500 |
| HK$1,000,000 to < HK$3,000,000 |
HK$800 |
HK$300 |
# Actual total rewards up to HK$88,888 included Welcome offer of "HK$200 Cash Reward for applying designated e-channel services", up to HK$500 Free Spending Credit of applying World credit card, Deposit offer of preferential saving interest rate of 3.6% p.a. up to HK$35,000**, "Total Asset Balance" Growth Reward up to HK$13,800 , Securities Offers with reward up to HK$18,888, "Mission Unlock" Lucky Draw with First Prize – Travel Vouchers worth HK$20,000 and Reverse Mortgage Programme Application Reward of HK$500 Supermarket Voucher.
(** Example: Calculated based on a maximum balance of HK$2,000,000. The interest period runs from 5 October 2026 to 31 March 2027, totaling 178 days. With preferential saving interest rate of 3.6% p.a., the maximum interest payable is HK$35,112.28.)
Waive Minimum Total Asset Balance Monthly Fee for the First 2 months4
Other Exclusive Offers Tailored To Your Needs
Your Investment
New or Upgraded to SMART Banking Customers:
| Securities Offers5 |
- First 6-month 0% Brokerage for Buying Securities Brokerage Commission Discount up to HK$8,888
- Apply for Three Designated e-Channel Services can enjoy HK$200 Cash Reward
- Stock transfer with cash rebate up to HK$9,800
|
| Investment Products Offers6 |
"Tasks Unlock Lucky Draw"
- All Customers completed designated missions to get points, one lucky draw chance for every 5 points. Customer can get up to five lucky draw chances to win Travel Gift Card value of HK$20,000 and other prizes! SMART Banking customers can get additional lucky draw chance!
- Promotion Details
|
Your Protection
New or Upgraded to SMART Banking Customers:
| Retirement |
- Successfully Apply for Reverse Mortgage Programme can enjoy HK$500 Supermarket Voucher7
- Apply for Qualifying Deferred Annuity Policy - Retire-at-Ease II Deferred Annuity Plan - up to 12% First Year Premium Discount9
|
| Mortgage |
- Successfully draw down mortgage loans from the Bank during the promotion period, can enjoy the first year of designated home insurance plans free of charge8
|
| Medical |
- Apply for Voluntary Health Insurance Scheme Plans – Health Essential Medical Plan – Standard or Health Supreme Medical Plan - 20% First Year Premium Discount 9
|
| Wealth Accumulation / Succession |
- Apply for Wealth Accelerator Multi-Currency Plan, Prime Reward Whole Life Savings Insurance Plan or designated life insurance plans - up to total 26% First Year and Second Year Premium Discount 9
|
Referral Program10
Customers who successfully refer a friend or relative to newly open the bank account with SMART Banking Service can enjoy
HK$1,000 Cash Reward. Enjoy more by referring more!
Make appointment now
to enjoy fabulous SMART Banking privileges!
Investment involves risks. Offers are subject to the applicable Terms and Conditions.
For details, please refer to the Terms and Conditions or contact our staff.
SMART Banking Customer Service Hotline：(852) 2855 8818
Appointment for joining SMART Banking
Reminders about Responsible Borrowing
- You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
- You should have assessed your repayment ability and avoid over-borrowing.
- You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
- To borrow or not to borrow? Borrow only if you can repay!
In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hotline 2818 0282.
