Welcome Reward
Referral Program

Join Exceed Banking
Enjoy exclusive services that match your prestigious status

Welcome Rewards up to HK$24,600 and enjoy HKD Preferential Fixed Deposit rate

From now until 30 June 2023, you can enjoy fabulous rewards by joining Exceed Banking and using designated services!#


▶ Total Asset Balance Growth Reward1

Customers who fulfill the designated requirements and maintain the amount of Total Asset Balance Growth until the designated date can enjoy a HK$1,000 reward for every HK$1 million new fund! The more Total Asset Balance Growth, the more reward you can get. The maximum reward is HK$8,000!

Amount of Total Asset Balance Growth to be maintained until the designated date
(HK$ or its equivalent)
Credit Card Cash Rebate
(HK$ or its equivalent)
New Customer Existing Customer
≧$8,000,000 $8,000 $4,000
$7,000,000 -< $8,000,000 $7,000
$6,000,000 -< $7,000,000 $6,000
$5,000,000 -< $6,000,000 $5,000
$4,000,000 -< $5,000,000 $4,000 $2,000
$3,000,000 -< $4,000,000 $3,000 $1,500
$2,000,000 -< $3,000,000 $2,000 $1,000
$1,000,000 -< $2,000,000 $1,000 $500

▶ New Customer Deposit Offer

Fixed Deposit2 Savings Deposit3
6 months HKD Fixed Deposit
Preferential Interest Rates
(The actual interest rates will be subject to the quotes by the Bank from time to time)
Enjoy Extra +3.8% Cash Reward HKD Savings Deposit Rate for the first 3 months
(Applicable to the first HK$200,000 savings deposit only)

▶ Investment Transaction Reward 4
New Customers who fulfill the designated requirements can enjoy:

Cumulative Investment Funds and/or Equity Linked Investments subscription amount within the first 3 months upon account opening
(HK$ or its equivalent)
Credit Card Cash Rebate
(HK$ or its equivalent)
≧$2,000,000 $3,000
$1,000,000 -< $2,000,000 $1,500
$500,000 -< $1,000,000 $750
$200,000 -< $500,000 $300

▶ Credit Card Reward - Chong Hing Credit Card up to 30X bonus points reward

Offer 1 Offer 2
Up to 2X bonus points reward5 for retails spending Up to 30X bonus points reward6 for eWallet spending

During the whole Spending Period, maximum 120,000 bonus points or HK$600 cash rebate (only applicable to the Chong Hing Credit Card accounts which are under "Cash Rebate" Spending Reward Scheme) can be awarded for Offer 1 and Offer 2.

▶ Referral Reward7
Earn up to HK$13,000 Reward upon successful referral and fulfillment of the designated requirements

Existing customers can refer up to 10 new customers for each of the following customer categories Cash Rebate (HK$ or equivalent)
Exceed Banking Up to $10,000
(Referrer can earn $1,000 for each successful referral)
General Banking Up to $3,000
(Referrer can earn $300 for each successful referral)

▶ Other Banking Products and Services Offers

Life Insurance Offer
Up to 25% premium discount for the first year of selected insurance plan
Mainland Property Mortgage/
Secured Loan
Investment Fund Subscription
Fee Offer
up to 1% cash rebate Investment Fund Subscription fee as low as
General Insurance Offer Safe Deposit Box Offer
30% premium discount for the first year upon successful application of Family Plus Insurance 30% discount for the first year on annual rental of designated Safe Deposit Box

#The above promotions are subject to the respective terms and conditions. For details, please refer to the terms and condition of the Welcome Promotion stated at the back page or contact any branch of the Bank in Hong Kong or call the Exceed Banking Hotline at 3768 8838.


1Customers with Total Asset Balance Growth are required to fulfill any 2 of the following requirements within the Promotion Period: 1) open a new Investment Account and has completed “Investment Profile Questionnaire and Vulnerable Customer Assessment”;or 2) activate the Bank’s Digital Banking services (i.e. Internet Banking, Mobile Banking) successfully; or 3) Complete the successful foreign exchange transaction with accumulated amount at HK$30,000 (or HKD equivalent) or above.

2Only applicable to customers making HKD Fixed Deposit Amount of HK$1,000,000 or above within the Promotion Period.

3Only applicable to the first HK$200,000 Savings Deposit within the first 3 months upon account opening, Fixed Deposit will not be calculated.

4Customers are required to fulfill the following requirements: 1) New Chong Hing Bank customers 2) Customers who registered Total Asset Balance Growth Reward; 3) only the transaction of Investment Funds subscription (investment fund switching transactions excluded) and/or Equity Linked Investments subscription will be calculated, where the subscription fee of those investment fund is not lower than 1.25%.

5Include 1X basic spending point and 1X extra spending bonus point.

6 Include 1X basic spending point and 29X extra bonus points for eWallet spending (the 1X extra spending bonus point in Offer 1 excluded).

7Referrer can receive the Referral Reward once the referee has fulfilled the designated requirements. Each referrer can receive HK$13,000 cash rebate at maximum.

To borrow or not to borrow? Borrow only if you can repay!

To borrow or not to borrow? Borrow only if you can repay!

Customer Services Hotline: 3768 8838
Website: www.chbank.com

Important Notice

Certain investment funds, Currency Linked Deposit and Equity Linked Investments (ELI) are investment products involving derivatives. The investment decision is yours but you should not invest in the product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.


Risk Disclosure Statement
This promotional material is for reference only and does not constitute any offer or solicitation to subscribe or redeem, invitation, or advice. Investment involves risks. Past performance is not indicative of future performance. The price of investment products may move up or down, and may become valueless. Investors should consider their own investment objective, financial position, risk tolerance level and relevant circumstances, and read the relevant offering documents and risk disclosure statement before making any investment decision. If investors have any doubt, they should seek independent professional advice.
Foreign currency investments are subject to exchange rate fluctuation which may provide opportunities and risks. The fluctuation in the exchange rate of foreign currencies may result in gains or losses in the case where the customer converts foreign currency to HK dollars or other foreign currencies. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives. RMB is not freely convertible and conversion of RMB through banks in Hong Kong is subject to the rules, regulations and guidelines from the relevant regulatory authorities or entities from time to time.
Currency Linked Deposit is not equivalent to, nor should it be treated as a substitute for, time deposit. Currency Linked Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. ELIs are complex products. You should exercise caution in relation to ELIs.
The above offers are not and should not be considered as an offer or solicitation to deal in any of the investment products or services. Investment product is not capital protected and different from a normal time deposit, and thus should not be considered as an alternative to time deposit. Investors should not make investment decisions based on the information of this promotional material alone.
The information of this promotional material is issued by Chong Hing Bank Limited. It has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authorities in Hong Kong.
Please refer to the policy documents for the full terms and conditions of the Life Insurance Plan(s), and the product leaflets of Hong Kong Life’s life insurance plans for product information. Before applying for any life insurance plan, client should carefully read and understand the contents and terms of the policy documents. Client should also seek independent and professional advice before making any decision.
**For the “ Investment Profile Questionnaire and Vulnerable Customer Assessment ”:
The “Investment Profile Questionnaire and Vulnerable Customer Assessment" is provided by Chong Hing Bank Limited (the "Bank") to help customers understand and assess the degree of investment risk they are prepared to accept and investment needs. The result of this questionnaire is derived from the information provided by customers, the accuracy and completeness of the provided information may affect the assessment result and is for general information and reference only. It is not an offer to sell or a solicitation for an offer to buy any financial products, and must not be taken to constitute any investment or other advice, proposal, representation, warranty or any statement carrying legal effect.