1. Mobile Account Opening Time Deposit

6 month HKD / USD Time Deposit with preferential interest rate of up to 2%* p.a.
(maximum deposit amount HK$300,000 / US$50,000)

*The above annual interest rate of preferential time deposit published on 20 May 2022 is for reference only. Customers may check the latest rates with BOCHK staff.

2. Welcome Offers up to HK$5,100!

Total Relationship Balance Growth Reward:

Customers who have newly taken up or upgraded to Enrich Banking / i-Free Banking Service during the promotion period and fulfill designated requirements below1,2:

Integrated Account Services
Total Relationship Balance Growth Amount
(comparing to the next month’s Total Relationship Balance after the successful account opening or upgrading month to the Total Relationship Balance of Mar 2022)
BOC Credit Card Spending Credit
(“Free Spending Credit”)
HK$500,000 – Below HK$1,000,000
“Enrich Banking”/
”i-Free Banking”
HK$200,000 – Below HK$500,000
HK$100,000 – Below HK$200,000

1 Until 30 June 2022, customer has to maintain a valid BOCHK Mobile Banking account; and a valid BoC Pay account; and a valid “Questionnaire on Investment Preference” or complete “Financial Needs Analysis”.
2 Achieve the following designated amount of “Total Relationship Balance” growth in the next month after successful designated account opening / upgrading, and maintain the designated amount of “Total Relationship Balance” growth for the subsequent 3 months upon the successful designated account opening / upgrading month.

Payroll Service Rewards

Exclusive Rewards for New Payroll Customers up to HK$4,500 equivalent and 6-month $0 Brokerage Fee Securities Offer:
  1. 6-month unlimited $0 brokerage fee offer for New/Existing Securities Account
  2. BOC Express Cash Instalment Loan up to HK$2,200 extra cash reward
  3. Exclusive FX Reward via BOCHK Mobile Banking up to HK$1,800 reward
  4. Mortgage e-channel Reward up to HK$5003
  5. Enjoy a discount of up to 20% off for your first-year premium when customers enroll successfully in a qualifying deferred annuity plan
  6. Monthly Stocks Savings Plan Transaction fee reduction of up to HK$600
  7. Monthly Fund Savings Plan 0.01% Subscription fee offer4

3 If the amount of cash rebate and / or the Coupons reward and / or the Free Spending Credit is in excess of 1% of the mortgage loan amount, it is required to treat the entire amount of cash rebate and / or the Coupons reward and / or the Free Spending Credit as part of the mortgage loan amount for the purpose of calculating the loan-to-value ratio.
4 Monthly Fund Savings Plan 0.01% Subscription fee offer only applies to customers who subscribe to a new monthly fund savings plan within the promotion period. This offer does not apply to the Fidelity Fund, the Fidelity Fund subscription fee is 0.28%. The maximum monthly fund subscription amount is HK$50,000 (or equivalent foreign currencies).

Total Relationship Balance Growth Reward up to HK$600
+ Payroll Service Rewards up to HK$4,500

Act Now! Enjoy Welcome Offers of up to HK$5,100!


BoC Pay 1. New customers bind BoC Pay and get Welcome Rewards of HK$68 merchant e-Coupon!
2. Refer your family and friends to bind BoC Pay! Get a HK$20 rewards for every successful referral.


Open new securities account for buying and selling Hong Kong Stocks, China A Shares or US Stocks to enjoy First-4 months of unlimited $0 brokerage fee exclusive securities offer.

The offer is only applicable to “Enrich Banking”/ “iFree Banking” personal banking customers who open new single-name securities accounts and are aged 18 to 35 on the account opening day.

Cool Living+

Mobile Banking “Refer Friends” Promotion

Customers of Enrich Banking and i-Free Banking (the “Referrer”) can receive referral rewards up to HK$850 when he or she refers friends, given that the referee successfully inputs the Invitation Code and opens an account. The offers are available on a first-come-first-served basis while stocks last.

Eligible Referrals
Referral Rewards (each referral)

Other Offers:

Preferential RMB & FX time deposit offer with preferential annual interest rates up to 11% p.a.
Credit Card
BOC Taobao World Mastercard: New Customers can enjoy Welcome Offer up to HK$400 Cash Rebate!
1. NotALot Unlimited $0 brokerage fee offer for selling odd lots
2. Deposit Hong Kong stocks or China A shares to enjoy up to HK$2,200 BOC Credit Card free spending credit
3.Set up new Monthly Stocks Savings Plan to enjoy first 12-month transaction fee reduction of up to HK$600. Flexibility to settle the contribution payment by BOC Credit Card to earn Credit Card gift points
1. New investment funds can enjoy 0% fund subscription fee of the first investment fund subscription made via BOCHK Mobile Banking, "Smart Invest", Internet Banking or branches. The cap of investment fund subscription amount can be as high as HK$300,000 for Enrich Banking / i-Free Banking customers.
2. Setting up a new “Monthly Funds Savings Plan” via Internet Banking or BOCHK Branches, can enjoy 0.01% Subscription fee offer (except for Fidelity Investment Funds, and the maximum monthly contribution amount if HK$50,000).
1. Double rewards from exchanging foreign currencies through BOCHK Mobile Banking:
  • First Offer: New FX customers accumulate FX transactions of HK$50,000 or more via Mobile Banking can enjoy HK$200 welcome rewards
  • Second Offer: Up to HK$1,111 rewards upon completing the designated number of FX transactions
2. Integrated Banking Service customers who conduct designated foreign exchange transactions can enjoy up to 30 pips exchange discount
Digital Mortgage Service
Enjoy a preferential interest rate, cash rebate and extra HK$500 supermarket e-Coupon by applying for a residential mortgage loan via digital channels; and if such loan offer is accepted, plus completing any 3 designated transactions.

Reminder: To borrow or not to borrow? Borrow only if you can repay!
Investments involve risks. The above products, services and offers are subject to the relevant terms and conditions.
Please download a backup or retain the relevant terms and conditions for reference within 1 month after service application.

Designated Qualifying Deferred Annuity Plan: BOC Life Deferred Annuity (Lifetime) underwritten by BOC Group Life Assurance Company Limited (“BOC Life”) may also provide a tax deduction:

  • 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 Plan has been certified by IA does not mean that the premiums paid for policies under the 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
  • 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.