Monthly salary BOC Credit Card Free Spending Credit13
Enrich i-Free
HK$80,000 or above HK$1,500 HK$1,300 HK$900 HK$200
HK$30,000 - HK$79,999 HK$1,000 HK$600 HK$400
HK$10,000 - HK$29,999 HK$600 HK$300 HK$200

Fee Offer


6-month $0 Brokerage Fee Offer for New/ Existing Securities Account in buying/ selling HK stocks, A shares or US stocks#


FX Reward5


Up to HK$2,800 reward




Preferential Interest Rate of Flexi Time-Deposit

1.5% Savings Interest Rate


BOC Express
Cash Instalment


As low as APR 1.85%@ 
Up to 
HK$23,888 Cash Rebate 


Mortgage Reward8,9


Up to HK$1,800 reward


Life Insurance


Up to 50% first year premium discount when successfully enrolled in iProtect 10 Years Insurance Plan


Wealth Managment 
 / Enrich Banking
i-Free Banking
First 12 months waiver
on the requirement of
"Total Relationship Balance
Smart Invest12


0% subscription fee of the 1st no cap
subscription amount made &
HK$100 Reward



^ HK$600 Payroll Mobile Double Reward will be credited as BOC Credit Card Free Spending Credit13.
Complete any two of the following items via BOCHK Mobile Banking: (1) Register for Payroll Account via BOCHK Mobile Banking (2) Buying/Selling Securities (3) Foreign Currency Exchange (4) Place Time Deposit (5) Successfully enroll in BOC Life Deferred Annuity Plan (Fixed Term) underwritten by BOC Life (6) Successfully granted with BOC Express Cash Instalment Loan (7) Successfully granted with designated BOC Chill Card (8) Successfully set BOCHK account as the FPS Default Account or register BoC Pay by binding BOCHK Smart Account / BOC Dual Currency Credit Card
# New Securities Account can enjoy first 6 months $0 brokerage fee. Existing Securities Account can enjoy $0 brokerage fee from 1 October 2023 to 31 March 2024.
@ The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0830%. The Annualised Percentage Rate (“APR”) is 1.85%, without handling fee.
*iProtect 10 Years Insurance Plan is underwritten by BOC Life.

Promotion Period: 1 July 2023 to 30 September 2023

Personal Customer Service Hotline: +852 3988 2388 | www.bochk.com

The above products, services and offers are subject to terms and conditions. For details, please refer to below terms.

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

Other key risks of qualified deferred annuity plans:
•There might not be tax deduction benefits for retired Policy Owners who are not subject to salaries tax or tax under personal assessment.
•Certification by the Insurance Authority:
The mere fact that the relevant plan has been certified by IA does not mean that the premiums paid for policies under the relevant Plan are eligible for tax deductions. Certification by IA is only an indication that the product complies with the criteria set out by IA. IA’s certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all Policy Owners nor is it an endorsement of its suitability for any particular Policy Owner or class of Policy Owners. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy.
Please note that the Qualifying Deferred Annuity Policy (“QDAP”) status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. You should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. BOC Life does not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAP may be found at the website of IA www.ia.org.hk and website of Inland Revenue Department of HKSAR www.ird.gov.hk.

General Terms
•The above offers are only applicable to personal banking customers.
•Customers can enjoy the above offers simultaneously. However, these offers cannot be used in conjunction with other promotion offers that are not listed in this promotion material.
•The rewards cannot be exchanged for other gifts, and is also non-refundable and not for sale.
•Apple and Apple logo are trademarks of Apple Incc., registered in U.S. and other countries. App Store is a service mark of Apple Incc.. Android, Google Play, and the Google Play logo are trademarks of Google Incc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and HUAWEI EXPLORE IT ON AppGallery logo are trademarks of Huawei Technologies Co., Limited.
•Customers are responsible for the data charges of downloading or using BOCHK Mobile App, BoC Pay Mobile Application, Internet Banking / Mobile Banking, or any designated Mobile App / Website mentioned above, imposed by their service providers.
•Please download mobile applications from official application stores or BOCHK website, and ensure the search wording is correct.
•By using BOCHK Mobile App and/or Mobile/Online Banking, the viewer agrees to be bound by the content of the disclaimer and policy as it may be amended by BOCHK from time to time and posted on BOCHK Mobile App and/or Mobile/Online Banking.
•The above products, services and offers are subject to the relevant terms and conditions. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
•BOC Group Life Assurance Company Limited (‘BOC Life’) China Life Insurance (Overseas) Company Limited (‘China Life (Overseas)’), BOCHK and/or Card Company reserves the right to amend, suspend or terminate the above products, services and offers and to amend the relevant terms at any time at their sole discretion.
•In case of any disputes, the decision of BOC Life, China Life (Overseas), BOCHK and/or Card Company shall be final and conclusive.
•The above offers are not applicable to the staff of BOCHK and its subsidiaries.
•Should there be any discrepancies between the Chinese version and English version of this promotion material, the Chinese version shall prevail.
•Manned Phone Banking Services are only applicable to selected customers. For details, please contact BOCHK’s staff.
•For the registration record for BOCHK Payroll Account, BOCHK’s system record shall prevail.

Other key risks of relevant Deferred Annuity Plan and other insurance products:
•The Policy Owner is subject to the credit risk of BOC Life. If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.
•BOC Life is authorised and regulated by Insurance Authority to carry on long term business in the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”).
•BOCHK is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong. (insurance agency licence no. FA2855)
•BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed Insured and the applicant at the time of application.
•The relevant plan is subject to the formal policy documents and provisions issued by BOC Life. Detailed terms and conditions are subject to the official policy document issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the insured items and coverage, premium adjustment, termination conditions, inflation risk, provisions and exclusions.
•BOCHK is the appointed insurance agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life but not BOCHK.
•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 BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly BOC Life and the customer.
•This promotion material is for reference on the key product features of the relevant plan and is intended to be distributed in Hong Kong only. You are advised to read in conjunction with the product leaflet of the relevant plan. Please refer to the product leaflet, policy documents and provisions issued by BOC Life for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the relevant plan.
•You have an option to purchase the relevant plan as a standalone plan base on your personal need to choose life protection solely or include additional critical illness coverage instead of bundling with other type(s) of insurance product.
•The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.

Risk Disclosure:
The following risk disclosure statements cannot disclose all the risks involved and does not take into account any personal circumstances unknown to BOCHK. You should undertake your own independent review and seek independent professional advice before you trade or invest especially if you are uncertain of or have not understood any aspect of the following risk disclosure statements or the nature and risks involved in trading or investment. You should carefully consider whether trading or investment is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge.

Risk Disclosure of Securities Trading
Risk of Securities Trading
Monthly Stocks Savings Plan is not equivalent to, nor should it be treated as a substitute for, time deposit. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.

Risk of Securities Margin Trading
The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the licensed or registered person. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop- limit" orders. You may be called upon at short notice to make additional margin or interest payments. If the required margin or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own risk tolerance, financial situation, investment experience, investment objectives, investment horizon and investment knowledge.

You are reminded to understand the relevant details, risks, charges and important notes before investing in Shanghai A shares or Shenzhen A shares. For details, please read the “Important Notice of Trading China A Shares and A Shares Margin Trading via Shanghai-Hong Kong Stock Connect and Shenzhen- Hong Kong Stock Connect”in BOCHK’s website or the branch staff of BOCHK.

Risk of Foreign Currency Trading
Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into Hong Kong dollar or other foreign currencies.

RMB Conversion Limitation Risk
RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

Important Notice of US Securities
You should fully understand the details, risks, charges and important notice before invest in US securities. You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products.

US securities investment services are not applicable to U.S. persons and might only be applicable to limited jurisdiction. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

Since the server requires regular maintenance services, the system will not be able to provide the trading, fund transfer, checking securities custody and corporate action services at the following time: Hong Kong time Saturday 11:30am – 4:30pm.

Since the server requires additional maintenance services, the system will not be able to provide the trading, fund transfer and corporate action services (enquiry function remains normal) at the following time: Hong Kong time daily 12:45pm – 2:15pm (during Standard Time in the United States- from the first Sunday in November to the second Sunday in March) or 11:45am – 1:15pm (during Daylight Saving Time in the United States- from the second Sunday in March to the first Sunday in November).

Risk disclosure of Fund
Fund products or services are not equivalent to, nor should it be treated as a substitute for, time deposit. Although investment may bring profit opportunities, each investment product or service involves potential risks. Due to dynamic changes in the market, the price movement and volatility of investment products may not be the same as expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value of investment funds may go up as well as down and the investment funds may become valueless. Therefore, you may not receive any return from investment funds. Part of your investment may not be able to liquidate immediately under certain market situation. The investment decision is yours but you should not invest in these products unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives. Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details including risk factors. If you have any inquiries on this Risk Disclosure Statement or the nature and risks involved in trading or funds etc, you should seek advice from independent financial adviser.

This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the purchase, subscription or sale of any investment product or service and it should not be considered as investment advice.

This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and Futures Commission of Hong Kong.

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