From now until 30 June 2023, you can enjoy fabulous rewards by joining General Banking and using designated services!#
▶ Total Asset Balance Growth Reward 1
|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|
|$500,000 -< $1,000,000||$500||$300|
|$200,000 -< $500,000||$300|
▶ New Customer Deposit Offer
|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)
▶ Referral Reward3
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 $300 for each successful referral）
▶ Investment Transaction Reward4
New Customers who fulfill the designated requirements can enjoy:
|Cumulative Investment Funds and/or Equity Linked Investments subscription amount within the first 3 months upon account opening
（HK$ or its equivalent）
|Credit Card Cash Rebate
（HK$ or its equivalent）
▶ Credit Card Reward - Chong Hing Credit Card up to 30X bonus points reward
|Offer 1||Offer 2|
|Up to 2X bonus points reward4 for retails spending||Up to 30X bonus points reward5 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.
▶ Other Banking Products and Services Offers
|Life Insurance Offer||Investment Fund Subscription Fee Offer|
|Up to 25% premium discount for the first year of selected insurance plan||Investment Fund Subscription fee as low as 1.25%.|
|Safe Deposit Box Offer|
|20% 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 General Banking Hotline at 3768 6888.
1 Customers 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$10,000 (or HKD equivalent) or above.
2 Only applicable to the first HK$200,000 Savings Deposit within the first 3 months upon account opening, Fixed Deposit will not be calculated.
3 Referrer can receive the Referral Reward once the referee has fulfilled the designated requirements. Each referrer can receive HK$13,000 cash rebate at maximum.
4 Customers 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%.
5 Include 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).
To borrow or not to borrow? Borrow only if you can repay!
|A.||General Terms & Conditions|
|1.||The promotion are valid from 1 April 2023 to 30 June 2023 (both dates inclusive) (“Promotion Period”)|
|2.||All rewards or promotions are only applicable to customers with personal account at Chong Hing Bank Limited (the “Bank”). Each customer is entitled to receive the rewards below once only during the Promotion Period.||3.||All rewards or promotions cannot be transferred, returned, exchanged for other reward or redeemed for cash.|
|4.||Unless otherwise indicated, the Promotion is only applicable to new customers or existing customers mentioned below who have successfully joined Chong Hing Bank General Banking during the Promotion Period mentioned below ("Eligible Customers").
|5.||The Bank reserves the right at its sole discretion to suspend, vary or terminate the promotion and the related rewards and to amend these terms and conditions at any time without any notice. The decision of the Bank on all matters relating to the promotion, and the related rewards, including but not limited to the relevant rewards and promotions to the customers and / or participants, shall be final and binding.|
|6.||All non-Hong Kong Dollar currency balances and transaction amounts will be converted into Hong Kong Dollar based on the exchange rates quoted by the Bank at its sole discretion from time to time for calculation purpose under the promotions.|
|7.||The Contracts (Rights of Third Parties) Ordinance shall not apply to the promotions and/or the related rewards except for the rights and benefits of the “General Insurance Promotion“ of Chong Hing Insurance Company Limited ("Chong Hing Insurance")mentioned below.|
|8.||The promotional materials thereof, terms and conditions are construed in accordance with, and are governed by the laws of Hong Kong Special Administrative Region.|
|9.||Employees of any member of the Chong Hing Bank Group are ineligible to join this promotion.|
|10.||In case of any inconsistencies between the English and Chinese versions of these terms and conditions, the English version shall prevail.|
|11.||Unless otherwise expressly provided, the Bank’s Account Terms and the Credit Card Cardholder Agreements subject to changes by the Bank at its sole discretion from time to time shall also apply to the above promotion programme while their latest copies are available at any branch of the Bank in Hong Kong or its website (www.chbank.com).|
|B.||Total Asset Balance Growth Reward|
|1.||To enjoy the Total Asset Balance Growth Reward, eligible customer has to register for this promotion successfully at any branch of the Bank in Hong Kong in person and fulfill all of the following requirements during the Promotion Period. Rewards are limited and provided on a first-come, first-served basis, which may cease without prior notice by the Bank.
|2.||“Amount of Total Asset Balance Growth" refers to the net increase amount when comparing a customer's average Total Asset Balance of the 2nd to 7th consecutive calendar months after registering for for this promotion with the Total Asset Balance in the 1st calendar month (Promotion Registration Month) (stated in Table 2).|
|3.||The Bank's record will be conclusive as to the promotion registration month and the amount of Total Asset Balance Growth. The Bank reserves the right of final decision on any dispute in the definition and calculation of Total Asset Balance Growth.|
|4.||The Total Asset Balance Growth Reward will be awarded in the form of Credit Card Cash Rebate. Eligible Customer will receive the Total Asset Balance Growth Reward on or before the designated credit date if he/she has maintained the designated amount of Total Asset Balance Growth until the date as set out in Table 2 below.|
|5.||To receive the Total Asset Balance Growth Reward, at the time when the Total Asset Balance Growth Reward is credited, the Eligible Customer is required to maintain his/ her (a) Total Asset Balance of HK$200,000 or above (or its equivalent) with the Bank; and (b) Investment Account and / or Digital Banking services (i.e. Internet Banking, Mobile Banking) are in good standing; and (c) Credit card account status being normal, valid, and in good standing, or has not been cancelled / terminated for any reason.|
|6.||“Total Asset Balance” refers to the aggregate account balance of all deposits, investment funds, Structured Product, Bonds, policy value of life insurance plan and the market value of currency linked deposit under the accounts of the customer’s name at the Bank. For joint accounts, the “Total Asset Balance” is calculated by the average number of customers as its account holders..
|7.||The Total Asset Balance Growth Reward will be credited into the Eligible Customer’s designated Chong Hing Credit Card Account (of which such customer is the principal cardholder) and will be shown on such credit card account monthly statement. “Designated Chong Hing Credit Card” refers to Chong Hing UnionPay Dual Currency Diamond Card / Chong Hing Platinum Visa Card / Platinum Mastercard or Chong Hing Titanium Mastercard. In the absence of Eligible Customer’s instruction, the Total Asset Balance Growth Reward will be credited to the Eligible Customer’s Credit Card Account according to the following descending priority: Chong Hing UnionPay Dual Currency Diamond Card, Platinum Credit Card.|
|8.||If an Eligible Customer fulfilling the requirements of the Total Asset Balance Growth Reward does not have any designated Chong Hing Credit Card or is not the principal cardholder of the Credit Card, he/she must apply for the designated Chong Hing Credit Card and such application must be approved before the Total Asset Balance Growth Reward is to be awarded, otherwise such rewards will be deemed as forfeit automatically without any notice.|
|9.||The Credit Card Cash Rebate is for subsequent retail purchase with the designated Chong Hing Credit Card only and shall not be used for cash advance, settlement or offset of financial charge/any pre-reward outstanding card balance before such cash rebate is awarded.|
|C.||Investment Transaction Reward|
|1.||To enjoy the “Investment Transaction Reward” (“Investment Reward”) (stated in Table 3), customer is required to (a) perform Investment Funds and/or Equity Linked Investments transactions and accumulate the transaction amounts to a designated amount within the first 3 months upon account opening within the Promotion Period (If the customer opens an investment account on 30 June 2023, the Bank will calculate the accumulative transaction amount of Investment fund and / or Equity Linked Investment transactions conducted by the customer during the period from 30 June 2023 to 30 September 2023) ; and (b) fulfill all the following requirements:
|2.||The Investment Reward will be awarded in the form of Credit Card Cash Rebate and will be credited to the Eligible Customer’s designated Chong Hing Credit Card of those New Customers who have fulfilled all the requirements of Investment Transaction Reward (of which such customer is the principal cardholder) on or before 31 January 2024 and will be shown on such credit card account monthly statement. If the New Customer who have fulfilled all the requirements of Investment Transaction Reward does not have any designated Chong Hing Credit Card or is not the principal cardholder of the Credit Card, he/she must apply for the designated Chong Hing Credit Card and such application must be approved before 31 January 2024, otherwise such rewards will be deemed as forfeit automatically without any notice.|
|3.||The Bank's record will be conclusive as to the Investment Funds subscription and Equity Linked Investment transaction. The Bank reserves the right of final decision on any dispute in the definition and calculation of the accumulative investment transaction amount.|
|4.||The Bank is an agent of the third party fund house / an agent of the Issuer of Equity Linked Investment (ELIs) Product. The fund / ELIs Product is a product of the third party fund house / the issuer of ELIs but not product of Chong Hing Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the fund / ELIs product should be resolved directly between the third party fund house / the issuer of ELIs and the customer.|
|1.||An extra +3.8% HKD Savings Deposit Cash Reward is only applicable to the first HK$200,000 Savings Deposit within the first 3 months upon account opening, Fixed Deposit will not be calculated.|
|2.||An extra HKD Savings Deposit Cash Reward is calculated by reference to daily simple interest basis.|
|3.||3. An extra HKD Savings Deposit Cash Reward will be credited to the registered HKD Savings Account of the concerned Customer in the form of cash reward at the Reward Credit Date mentioned in Table 4 below. When the cash reward is credited, the concerned Customer is required to still maintain his / her registered HKD Savings Account in normal and valid status with the Bank.
|1.||The Referral Programme only applies to an existing General Banking customer of the Bank (“Referrer”) who refers his/her friend and/ or relative (“Referee”) to register during the Promotion Period, and the Referee has fulfilled all the designated requirements (“Successful Referral”). For each Successful Referral, the Referrer may receive a cash rebate (“Referral Reward”) (stated in Table 5) and each Referrer may receive HK$13,000 at maximum (i.e. 10 successful referrals for Exceed Banking and General Banking respectively). Rewards are limited and provided on a first-come, first-served basis, which may cease without prior notice by the Bank.
|2.||The Referrer must hold the Bank’s HKD Savings or Current Account before making any referral, and the completed referral form (“Referral Form”) must be passed to the Referee before registration. Referrer must fill in the Referrer’s name, his/her Savings/Current Account number at the Bank and contact number in the signed Referral Form. All the information must be valid, complete, updated and consistent with the Bank’s record.|
|3.||”Successful Referral “refers to referral whereby the Referee has submitted the signed Referral Form and fulfilled all the requirements below during the Promotional Period:
|4.||The Referral Reward will be credited to the Referrer’s Savings or Current Account with the Bank according to the Reward Crediting Date as mentioned in Table 6 below. If the Referrer has closed his/her account before the date of crediting, the Referral Reward entitlement will be forfeited without any notice.
|5.||Each Referrer may refer more than one Referee. If the Referee opens a single name and/or joint account, the Referrer may only receive the Referral Reward once. The Referrer is not eligible to receive the Referral Reward if he/she is one of the account holders of the Successful Referral.|
|6.||Each Referee may only be referred by one Referrer. Duplicated referrals will not be accepted and, in such cases, only the first Referral Form received and with an earlier signing date will be considered (according to Bank’s records).|
|7.||Referrer shall not refer himself/herself to enjoy the Referral Reward.|
|8.||This promotion is subject to other relevant terms and conditions. For details, please contact our staff at any branch of the Bank in Hong Kong and refer to the Referral Form.|
|F.||Credit Card Reward|
|i.||General Terms and Conditions|
|1.||Welcome Rewards are only applicable to Eligible Customers who have not held any principal personal credit card (including co-branded cards) issued by the Bank (including co-branded cards) in the past 12 months.|
|2.||Each principal card applicant is entitled to the welcome reward for not more than once.|
|3.||Welcome Rewards include: 1) Up to 2X bonus points for retail spending (“2X Bonus Points Reward”) and 2) Up to 30X bonus points for e-wallet spending (“30X Bonus Points Reward”).|
|4.||If the principal cardholder cancels the card within 13 months from the date of card issuance, the Bank reserves the right to debit the cost of the welcome rewards from the cardholder's credit card account without any notice.|
|ii.||Welcome Rewards Terms and Conditions|
|1.||Customers must successfully apply for one Chong Hing UnionPay Dual Currency Credit Card / Chong Hing Platinum Visa Card or Platinum Mastercard (“Designated Cong Hing Credit Card”) in this promotion to be eligible for the welcome rewards.|
|2.||2. The cardholders who have conducted an eligible retail spending^ and eligible eWallet spending per calendar month with designated Chong Hing Credit Card within the first 6 months from the card issuance (Card issuing month inclusive) (“Spending Period" ) may enjoy “2X Bonus Points Reward” for the eligible retail spending and ”30X Bonus Points Reward” on the eligible e-Wallet spending as a welcome reward on the calendar month that the transactions are completed and posted (to be calculated according to the transaction dates).
^ The accumulated spending(s) is counted according to the date of transaction(s) and excludes tax payments, Octopus Automatic Add-Value reloads, casino transactions, Chong Hing Bank online bill payment, all installment payments, credit card annual fees, interest/finance/service charges, late payment charges, falsified transactions/cancelled/ indemnified/refunded/returned transactions, transactions at charitable organisations and other transactions designated by the Bank from time to time.
|3.||Each principal cardholder cannot receive more than extra 20,000 bonus points in each calendar month during the Spending Period and cannot receive more than extra 120,000 bonus points or HK$600 cash rebate throughout the whole promotion period, which is combined from both 2X Bonus Points Reward and 30X Bonus Points Reward). Eligible spending under the supplementary card will be deemed as the Spending under the principal card for calculation of the rewards redemption.|
|4.||The relevant bonus points will be credited to the principal cardholder's account after 2 months upon the end of the Spending Period and will be shown in the card statement.|
|5.||The Eligible Spending in the HKD card and RMB card accounts of Chong Hing UnionPay Dual Currency Credit Card of cardholders during the Spending Period will be combined for calculation.|
|6.||Transactions with Chong Hing UnionPay Dual Currency Credit Cards throughout Mainland China in real estate, automobiles, fuels, wholesale, grocery stores and supermarkets, household appliance shops, air tickets and transportation, hospital payments or school fees, government and government-related services fees, donations to charitable and social service organisations, and other transactions or spendings related to the above mentioned spending categories are not entitled to bonus points. The Bank reserves the right to change the above designated spending categories from time to time without any notice.|
|7.||If the cardholder’s Chong Hing Credit Card account is under "Cash Rebate" Spending Reward Scheme of the Bank, the relevant extra rewards will be converted into the equivalent cash rebate amount at the exchange rate of 0.5% (round down to the nearest two decimal places). The cash rebate amount is only applicable to credit card retail spending and cannot be (a) used to settle outstanding balance, (b) exchanged for cash, or (c) transferred.|
|8.||All fraudulent, unauthorised, cancelled or refunded transactions will not be regarded as eligible transactions under this programme, and will not be eligible to any reward.|
|9.||Cardholders can redeem free cash credit, annual fee waiver, free banking services or various cash coupons, etc. with accumulated bonus points through “Point-to-Gift” Spending Reward Scheme of the Bank. Details and the terms and conditions are also applicable to this programme. Please refer to the Bank’s website.|
|10.||In case of any disputes, the Bank reserves the right to request the cardholders to provide original transaction records and/or other relevant documents during or after the Spending Period for verification purpose. Such documents submitted to the Bank will not be returned.|
|11.||To receive the rewards, the cardholder’s credit card account shall remain valid and in good credit standing when the rewards are granted and posted thereto by the Bank, otherwise such rewards shall be deemed as waived and forfeited automatically without any notice.|
|12.||The rewards granted under this programme cannot be used in conjunction with any other promotion programmes of the Bank, except the “Cash Rebate" Spending Reward Scheme and the “Point-to-Gift” Spending Reward Scheme.|
|13.||The Bank’s Account Terms, and Chong Hing Credit Card Cardholder Agreement/Chong Hing UnionPay Dual Currency Credit Card Cardholder Agreement, which are subject to changes from time to time shall also apply to this programme. The latest copies of Account Terms, and Chong Hing Credit Card Cardholder Agreement/Chong Hing UnionPay Dual Currency Credit Card Cardholder Agreement are available at any local branch of the Bank in Hong Kong or its website. In case of any inconsistencies, the priority of precedence shall be in the descending order of these terms and conditions, the terms and conditions of relevant the Cardholder Agreements and Account Terms.|
|Offer 1: Terms and Conditions of 2X Bonus Points Reward|
|1.||Within the Spending Period, cardholder can enjoy 2X bonus points reward on Retail Spending with a new designated Chong Hing Credit Card in the month in which the accumulated Retail Spending amount reaches HK$/RMB 4,800 or above, i.e. 2 bonus points will be rewarded for every HK$1 charged within the Spending Period.|
|2.||2X Bonus Points Reward includes the basic spending reward of 1X bonus point and 1X extra bonus point.|
|Offer 2: Terms and Conditions of 30X Bonus Points Reward|
|1.||1. During the Promotion Period, Cardholders must add designated eWallets (including AlipayHK, WeChat Pay HK and UnionPay App) with designated Chong Hing Credit Card for top-up/payment/transfer transactions ( “Eligible eWallet Spending) and has accumulated Eligible eWallet Spending below during the Spending Period to enjoy an extra bonus points reward (“Extra Rewards”) listed in Table 7 below:|
* HKD & RMB spending will be combined for accumulated transactions amount calculation; every RMB￥1 spending will be calculated as HK$1.
|2.||When cardholder performs top-up or transfer in individual eWallet, a handling fee may be incurred which will be charged by the relevant service provider, and the cost shall be borne by the cardholder. For details of the handling fees, please check with the relevant service provider.|
|3.||The Bank will determine the eligibility of the cardholder who is entitled under this programme to enjoy the Extra Rewards and the extra rewards to be granted based on the Bank’s transaction record. If there are any discrepancies between the Bank’s record and the cardholder’s transaction record, the Bank’s record shall prevail (save for manifest error, negligence or fraud of the Bank). All transactions shall be based on the transaction dates and have to be completed during the Spending Period.|
|G.||Life Insurance Offer|
|1.||Eligible Customers can enjoy up to 25% premium discount for the first year of selected insurance plan.|
|2.||This offer is only applicable to Life Insurance application made during the Promotion Period.|
|3.||Chong Hing Bank is an appointed insurance agency of Hong Kong Life, and the insurance products are products of Hong Kong Life but not the institution; and in respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the institution and the customer out of the selling process or processing of the related transaction, the institution is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly Hong Kong Life and the customer.|
|4.||This offer is subject to the relevant terms and conditions. For details, please contact the Bank’s staff and refer to "Fascinating Rewards 2023" Client Promotion Incentive promotional materials.|
|H.||H. Investment Funds Subscription Fee Offer|
|1.||During the Promotion Period, subscription fees of Investment Funds via the Bank’s Internet Banking or Chong Hing Mobile Banking for Eligible Customers are as follows:
|2.||This offer is NOT applicable to investment fund switching transactions.|
|3.||For non-HKD denominated investment fund transactions, the transaction amounts will be converted into HKD based on the prevailing exchange rate on such transaction day (quoted by the Bank) for calculation of the entitlement. The Bank reserves the right to amend the calculation method of transaction amounts at its sole discretion.|
|4.||The Bank reserves the right at its sole discretion to amend, suspend or terminate the above offer and vary all these terms and conditions at any time without prior notice. In case of any disputes, the Bank’s decision shall be final and conclusive.|
|5.||This offer is subject to the relevant terms and conditions. For details, please contact the Bank’s staff and refer to the promotional materials or visit the Bank’s website at www.chbank.com.|
|I.||Safe Deposit Box Offers|
|1.||Eligible Customers can enjoy 20% discount offer on the first year annual rental for the safe deposit box of the Bank’s designated size, customer is required to (a) apply for the safe deposit box services at the Bank during the Promotion Period successfully, and (b) reach“Total Asset Balance” of HK$200,000 or above at the time when applying for the safe deposit box services.|
|2.||This offer is subject to the actual availability of the safe deposit box rental services which may cease any time without any prior notice by the Bank.|
Customer Services Hotline: 3768 6888
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.
From now until 30 June 2023 (both days inclusive), existing customers of Chong Hing Bank Limited (the “Bank”) who have successfully referred a friend or relative (“Referee”) to open a new account with the Bank can receive cash rebate per successful referral, provided that the referee has maintained a designated Total Asset Balance within the designated period and fulfilled other specified requirements* during the designated period. The maximum cash rebate is HK$13,000!
|Existing customers can refer 10 new customers each at maximum||Cash Rebate
(HK$ 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）
*The above reward is subject to the relevant terms and conditions. For details, please contact the Bank’s staff at any branch of the Bank in Hong Kong.