Promotions & Info

• World Credit Card 3x Bonus Points

  -	3X Bonus Points on all internet or overseas transactions with your World Credit Card within your birthday month.3

• What are your birthday wishes? Travel around the world? Retire at 50? No matter what dreams you have, it's time to plan for your future.

  -	Up to HK$10,000 Subscription Fee Discount for designated Wealth Management Products in the month of your birthday. 4 • Investment Funds: 0.5% subscription fee discount • Bonds: 0.3% subscription fee discount • Designated Structured Products: 0.25% subscription fee discount

  Investment involves risks. The offers are subject to relevant terms & conditions. The information of this document has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authorities in Hong Kong.

• Shopping Offers^7,8
  During your birthday month, you can enjoy the following Shopping Offers with your World Credit Card:

  -	Laithwaites Direct Wines5 • Enjoy up to 52% off selected wine package
  -	Royal Plaza Hotel6 • Di King Heen: 10% discount on à la carte lunch and dinner menu (Monday to Friday) • Lion Rock: 10% discount on lunch and dinner set menu (Monday to Friday)

• Year-round Privileges^8,9

  -	Enjoy the Worldwide Airport Lounge Services
  -	Up to HK$1,000,000 Free Annual Multi Family Travel Protection (For a maximum of 4 family members with the card holder)9
  -	All year-round dining offers up to 15% off

  (For details please refer to our website: Home Page > Credit Cards > Year-round Merchant Offers)

Offers are subject to the applicable Terms and Conditions.

• 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 (852) 2818 0282.