Total Relationship Balance Growth Reward and Wealth Product Reward(1)
up to HK$5,288
Customers who have newly taken upii or upgraded to BOCHK Wealth Management service during the promotion periodi
Customers who have newly taken upii or upgraded to BOCHK Wealth Management during the promotion periodi :
|
Total Relationship Balance Growth Amount Comparing the next month's Total Relationship Balance after the successful account opening or upgrading month to the Total Relationship Balance of December 2024 |
Total Relationship Balance Reward (BOC Credit Card Free Spending Credit) | |
|---|---|---|
| January Early Bird Offer | February & March | |
| HK$5,000,000 - below HK$8,000,000 | HK$3,288 | HK$3,000 |
| HK$3,000,000 - below HK$5,000,000 | HK$1,200 | |
| HK$1,000,000 - below HK$3,000,000 | HK$700 | |
Wealth Management customers who are entitled to Total Relationship Balance Growth Reward can also enjoy Wealth Product Reward upon fulfillment of all the requirements below:
- Conduct below transactions ("Eligible Transactions") in the designated trading period with designated aggregate amount.
- Fund Subscription (excluding investment fund transactions with subscription fee below 1% / subscription of money market funds / switching transactions of investment funds / Monthly Funds Savings Plan / transactions made via "Smart Invest"); OR
- Equity Linked Investment Products; OR
- Buying Hong Kong stocks, A shares and US stocks (excluding Monthly Stocks Savings Plan and IPO subscription).
| Wealth Management account opening / upgrading month | Transaction Time of Eligible Products (“Designated Trading Period”) |
| January 2025 | From May 2025 to June 2025 |
| February 2025 | From June 2025 to July 2025 |
| March 2025 | From July 2025 to August 2025 |
| Aggregate Amount of Eligible Transactions (HKD equivalent) | Free Spending Credit |
| HK$1,000,000 or above | HK$2,000 |
| HK$500,000 - Below HK$1,000,000 | HK$500 |
Remarks: Wealth Product Reward is not applicable to joint-name accounts. Eligible Transactions are determined by the transaction date and/or filled order completion date. For non-Hong Kong dollar denominated transactions, the transaction amount will be converted into Hong Kong dollar at the exchange rate determined by BOCHK. The relevant transaction amount shall be determined by the Bank.
FamilyMAX Rewards(12)
Enjoy HK$100 Lucky Money Reward, panda gift and join lucky draw to win Hotel Staycation and Ocean Park Annual Membership
Exclusive Privileges for New Payroll Customers(4)
HK$688 Payroll Mobile Double Reward and Exclusive Product Offers(4)
Enjoy HK$688 Payroll Mobile Double Reward(4b), ^ and Exclusive Product Offers(4) and so on upon successful registration and use of Payroll Account and completion of designated transactions.
| Payroll Account Exclusive Product Offers | ||
|---|---|---|
| Securities Brokerage Fee Offer | BOC Express Cash Installment Loan Offer | |
|
Payroll customers who apply BOC Express Cash Instalment Loan can enjoy preferential interest rateix and extra HK$500 cash rebate
*,(4e)
|
|
- ^ Payroll Mobile Double Reward will be credited as BOC Credit Card Free Spending Credit.
- * Only applicable to eligible payroll customers who fulfill designated requirements, please refer to relevant Terms and Conditions for details.
New Wealth Management customers can enjoy a preferential HKD savings deposit interest rate within the first 100 days upon successful account opening:
| Deposit Balance (HKD) | Interest Rate (p.a.) | Example |
|---|---|---|
| Below HK$500,000 | 2.2% | Eligible customers who deposit HK$2,000,000 on account opening day and maintain it for the first 100 days can earn around HK$15,342 in interest. |
| HK$500,000 – below HK$2,000,000 | 2.5% | |
| HK$2,000,000 or above | 2.8% |
Note: The Offer applies to single name accounts only. Interest is calculated on a daily basis and each account is counted separately.
- Deposit HK Stocks or A Shares via Central Clearing and Settlement System (CCASS) to enjoy up to HK$4,000 cash reward(6f)
BOC Cheers Card and Supplementary Card Welcome Offer
up to HK$1,600 Cash Rebate
Enjoy a series of dining and travel privileges with BOC Cheers Card.
BOC Cheers Card
You can enjoy exclusive dining and travel privileges: up to 10X Points on dining and travel spending (equivalent to HK$1.5/mile), 25% off hotel reservation, complimentary access to airport lounge, Buy-1-Get-1-Free menu at selected restaurants...... to create much more memorable moments with your family and friends.
New customers who are Wealth Management customers and successfully apply for a BOC Cheers Card(2a) will be entitled to Welcome Offer of up to 300,000 Gift Points (equivalent to HK$1,200 Cash Rebate)x. New customers who successfully apply for a BOC Cheers Card Supplementary Card(2a) and make at least 1 transaction within 1 month after card issuance will be entitled to up to 100,000 Gift Points (equivalent to HK$400 cash rebate)x.
Foreign Currency Exchange
- Conduct foreign exchange transactions via Mobile Banking and transactions via BOC Mastercard® Debit Card for designated amount to enjoy up to HK$500 reward(7a),iii.
- Conduct designated foreign exchange transactions can enjoy up to 60 pips exchange discountiv.
Preferential RMB and FX Time Deposit Offer(3b)
Place “Preferential RMB and FX Time Deposit” with conversion of funds of equivalent HK$50,000 or above can enjoy the preferential deposit interest rates (p.a.)v
Life Insurance – underwritten by BOC Group Life Assurance Company Limited ("BOC Life")
- Enjoy a discount of up to 30% off your first year premium(8a),vi when you enroll in designated life insurance plans underwritten by BOC Life; please contact BOCHK branch staff for details.
- Promotion Period: From 16 December 2024 to 31 March 2025 (both dates inclusive)
For details, please contact BOCHK branch staff.
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of BOC Life for distribution of life insurance products. The life insurance products are products 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 Life Insurance Plans should be resolved directly between BOC Life and the customer.
Notes: The Policy Owner is subject to the credit risk of BOC Life. If the Policy Owner discontinues and/or surrenders the designated plans 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.
General Insurance - underwritten by Bank of China Group Life Assurance Company Limited ("BOCG Insurance")
- Customers may enjoy up to 30% off premium discount and HK$150 shopping voucher (limited quota, first-come-first-served) upon successful enrolment in the Universal Smart Travel Insurance Plan via designated online channels(8b).
- Promotion Period: From 1 January 2025 to 31 March 2025 (both dates inclusive)
- Customers can enjoy up to 20% off premium discount for the first-year premium and a HK$100 e-voucher upon successful enrolment in the Smart Domestic Helper Insurance Plan via BOCHK Mobile Banking(8c).
- Promotion Period: From 1 January 2025 to 31 March 2025 (both dates inclusive)
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of BOCG Insurance for distribution of the General Insurance Plans. The General Insurance Plans are products of BOCG Insurance 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 General Insurance Plans should be resolved directly between BOCG Insurance and the customer.
Fund
- New investment fund customers# can enjoy 0% subscription fee on the first investment fund subscription made via BOCHK Mobile Banking^, Internet Banking or Branches, and a Fund Subscription Fee Reduction of up to HK$6,000 (or equivalent)(6b).
- During the promotion period, customers can enjoy 0.01% subscription fee offer upon setting up a new Monthly Funds Savings Plan##,(6g) via Internet Banking or branches.
- Customers are entitled to enjoy HK$800 reward for every HK$200,000 (or equivalent) transfer-in of Investment Fund. The maximum value of the transfer-in reward is HK$16,000(6h).
- Promotion period: From 2 January 2025 to 31 March 2025 (both dates inclusive).
^ Not applicable to investment fund transactions made via "Smart Invest".
# New investment fund customers refer to Personal customers of BOCHK i) who did not have any investment fund holdings and transactions from 1 January 2024 to 31 December 2024, or ii) who open their Funds accounts on or after 1 January 2025.
## This offer is only applicable for setting up a new "Monthly Funds Savings Plan" via internet Banking or BOCHK Branches (except Fidelity Investment Funds), and the maximum monthly contribution amount is HK$50,000 (or equivalent).
Securities
- Successfully open new securities account to enjoy $0 brokerage fee for the first 3 months when buying HK Stocks, A Shares(6c) and US Stocks(6d) via designated trading channel*.
- Unlimited $0 brokerage fee offer(6e) for odd lot selling transactions via designated trading channel.
- Deposit HK Stocks or A Shares via Central Clearing and Settlement System (CCASS) to enjoy up to HK$4,000 cash reward(6f).
* Designated trading channel of HK Stocks and A Shares includes Internet Banking, Mobile Banking or Automated Stock Trading Hotline of BOCHK. Designated trading channel of US Stocks includes Internet Banking or Mobile Banking of BOCHK. The maximum brokerage fee reduction is HK$30,000 for buying Hong Kong stocks and/or A shares of each eligible new securities customer. The maximum brokerage fee reduction is HK$30,000 for buying US stocks of each eligible new securities customer.
Mortgage
- Customers are eligible to enjoy a preferential interest rate, cash rebate and extra HK$500 Cash Reward(9a) upon successful application for a BOCHK mortgage loan via the Home Expert App, and that mortgage being successfully drawn, plus subscriptions to any 4 of the designated productsvii.
- Customers who successfully apply for a BOCHK Mortgage Loan and enrol for Wealth Management and apply for a Payroll Account, during the promotion period; plus drawdown the mortgage loan (collectively named “Eligible Mortgage Customers”), can enjoy a up to HK$1,000 extra Cash Reward for using the mortgage service(9b),viii.
- Promotion Period: From 1 January 2025 to 31 March 2025
(loan drawdown date: on or before 31 July 2025)
Reminder: Please contact BOCHK branch staff for the details of latest preferential interest rate, cash rebate and reward.
Loan(4e)
- Annualised Percentage Rate as low as 1.75%x
- Cash Rebate Offer
- Customers who successfully submit an application for a BOC Express Cash Instalment Loan and fulfil designated conditions can enjoy up to HK$13,800 Cash Rebate.
- Customers who successfully submit an application for a BOC Express Cash Instalment Loan Balance Transfer and fulfil designated conditions can enjoy up to HK$23,888 Cash Rebate.
- Promotion Period: From 3 January 2025 to 3 March 2025 (last drawdown date: on or before 31 March 2025)
For details, please refer to Terms and Conditions of the promotion offers.
Credit Card
New customers who are Wealth Management customers and successfully apply for a BOC Cheers Card(2a) will be entitled to a Welcome Offer of up to 300,000 Gift Points (equivalent to HK$1,200 Cash Rebate)x. New customers who successfully apply for BOC Cheers Card Supplementary Card(2a) and make at least 1 transaction within 1 month after card issuance will be entitled to up to 100,000 Gift Points (equivalent to HK$400 cash rebate)x.
Refer Friends(12c)
|
Successfully refer friends and family members to open new accounts and meet all of the conditions during the promotion period can enjoy cash rewards of up to HK$3,450*.
*The number of rewards is limited to first 3 Enrich Banking / i-Free Banking referrals and first 3 Wealth Management referrals. Each Eligible Referrer can enjoy maximum rewards of HK$3,450 (assuming referrer successfully referred 3 Wealth Management customers and 3 Enrich Banking / i-Free Banking customers and fulfilled all requirements). #Enrich Banking / i-Free Banking referees are required to be aged 18-35 on the day of account opening (aged 18 and 35 inclusive) Reminder : The above offer is limited, on a first-come-first-served basis and available while the quota lasts. |
Foreign Currency Exchange
- Conduct foreign exchange transactions via Mobile Banking and transactions via BOC Mastercard® Debit Card for designated amount to enjoy up to HK$500 reward(7a),iii.
- Conduct designated foreign exchange transactions can enjoy up to 60 pips exchange discountiv.
Preferential RMB and FX Time Deposit Offer(3b)
Place “Preferential RMB and FX Time Deposit” with conversion of funds of equivalent HK$50,000 or above can enjoy the preferential deposit interest rates (p.a.)v
Life Insurance – underwritten by BOC Group Life Assurance Company Limited ("BOC Life")
- Enjoy a discount of up to 30% off your first year premium(8a),vi when you enroll in designated life insurance plans underwritten by BOC Life; please contact BOCHK branch staff for details.
- Promotion Period: From 16 December 2024 to 31 March 2025 (both dates inclusive)
For details, please contact BOCHK branch staff.
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of BOC Life for distribution of life insurance products. The life insurance products are products 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 Life Insurance Plans should be resolved directly between BOC Life and the customer.
Notes: The Policy Owner is subject to the credit risk of BOC Life. If the Policy Owner discontinues and/or surrenders the designated plans 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.
General Insurance - underwritten by Bank of China Group Life Assurance Company Limited ("BOCG Insurance")
- Customers may enjoy up to 30% off premium discount and HK$150 shopping voucher (limited quota, first-come-first-served) upon successful enrolment in the Universal Smart Travel Insurance Plan via designated online channels(8b).
- Promotion Period: From 1 January 2025 to 31 March 2025 (both dates inclusive)
- Customers can enjoy up to 20% off premium discount for the first-year premium and a HK$100 e-voucher upon successful enrolment in the Smart Domestic Helper Insurance Plan via BOCHK Mobile Banking(8c).
- Promotion Period: From 1 January 2025 to 31 March 2025 (both dates inclusive)
Terms and conditions apply to above mentioned promotion offer and insurance plans. Please note the relevant product risks. BOCHK is the appointed agency of BOCG Insurance for distribution of the General Insurance Plans. The General Insurance Plans are products of BOCG Insurance 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 General Insurance Plans should be resolved directly between BOCG Insurance and the customer.
Fund
- New investment fund customers# can enjoy 0% subscription fee on the first investment fund subscription made via BOCHK Mobile Banking^, Internet Banking or Branches, and a Fund Subscription Fee Reduction of up to HK$6,000 (or equivalent)(6b).
- During the promotion period, customers can enjoy 0.01% subscription fee offer upon setting up a new Monthly Funds Savings Plan##,(6g) via Internet Banking or branches.
- Customers are entitled to enjoy HK$800 reward for every HK$200,000 (or equivalent) transfer-in of Investment Fund. The maximum value of the transfer-in reward is HK$16,000(6h).
- Promotion period: From 2 January 2025 to 31 March 2025 (both dates inclusive).
^ Not applicable to investment fund transactions made via "Smart Invest".
# New investment fund customers refer to Personal customers of BOCHK i) who did not have any investment fund holdings and transactions from 1 January 2024 to 31 December 2024, or ii) who open their Funds accounts on or after 1 January 2025.
## This offer is only applicable for setting up a new "Monthly Funds Savings Plan" via internet Banking or BOCHK Branches (except Fidelity Investment Funds), and the maximum monthly contribution amount is HK$50,000 (or equivalent).
Securities
- Successfully open new securities account to enjoy $0 brokerage fee for the first 3 months when buying HK Stocks, A Shares(6c) and US Stocks(6d) via designated trading channel*.
- Unlimited $0 brokerage fee offer(6e) for odd lot selling transactions via designated trading channel.
- Deposit HK Stocks or A Shares via Central Clearing and Settlement System (CCASS) to enjoy up to HK$4,000 cash reward(6f).
* Designated trading channel of HK Stocks and A Shares includes Internet Banking, Mobile Banking or Automated Stock Trading Hotline of BOCHK. Designated trading channel of US Stocks includes Internet Banking or Mobile Banking of BOCHK. The maximum brokerage fee reduction is HK$30,000 for buying Hong Kong stocks and/or A shares of each eligible new securities customer. The maximum brokerage fee reduction is HK$30,000 for buying US stocks of each eligible new securities customer.
Mortgage
- Customers are eligible to enjoy a preferential interest rate, cash rebate and extra HK$500 Cash Reward(9a) upon successful application for a BOCHK mortgage loan via the Home Expert App, and that mortgage being successfully drawn, plus subscriptions to any 4 of the designated productsvii.
- Customers who successfully apply for a BOCHK Mortgage Loan and enrol for Wealth Management and apply for a Payroll Account, during the promotion period; plus drawdown the mortgage loan (collectively named “Eligible Mortgage Customers”), can enjoy a up to HK$1,000 extra Cash Reward for using the mortgage service(9b),viii.
- Promotion Period: From 1 January 2025 to 31 March 2025
(loan drawdown date: on or before 31 July 2025)
Reminder: Please contact BOCHK branch staff for the details of latest preferential interest rate, cash rebate and reward.
Loan(4e)
- Annualised Percentage Rate as low as 1.75%x
- Cash Rebate Offer
- Customers who successfully submit an application for a BOC Express Cash Instalment Loan and fulfil designated conditions can enjoy up to HK$13,800 Cash Rebate.
- Customers who successfully submit an application for a BOC Express Cash Instalment Loan Balance Transfer and fulfil designated conditions can enjoy up to HK$23,888 Cash Rebate.
- Promotion Period: From 3 January 2025 to 3 March 2025 (last drawdown date: on or before 31 March 2025)
For details, please refer to Terms and Conditions of the promotion offers.
Credit Card
New customers who are Wealth Management customers and successfully apply for a BOC Cheers Card(2a) will be entitled to a Welcome Offer of up to 300,000 Gift Points (equivalent to HK$1,200 Cash Rebate)x. New customers who successfully apply for BOC Cheers Card Supplementary Card(2a) and make at least 1 transaction within 1 month after card issuance will be entitled to up to 100,000 Gift Points (equivalent to HK$400 cash rebate)x.
Refer Friends(12c)
|
Successfully refer friends and family members to open new accounts and meet all of the conditions during the promotion period can enjoy cash rewards of up to HK$3,450*.
*The number of rewards is limited to first 3 Enrich Banking / i-Free Banking referrals and first 3 Wealth Management referrals. Each Eligible Referrer can enjoy maximum rewards of HK$3,450 (assuming referrer successfully referred 3 Wealth Management customers and 3 Enrich Banking / i-Free Banking customers and fulfilled all requirements). #Enrich Banking / i-Free Banking referees are required to be aged 18-35 on the day of account opening (aged 18 and 35 inclusive) Reminder : The above offer is limited, on a first-come-first-served basis and available while the quota lasts. |
Mobile Account Opening
Your bank account is ready to go as soon as your mobile application is completed. Allow you to manage payment, savings financial management and insurance 24 hours around the clock.
Upgrade your Integrated Account Services
Enjoy the new wealth management experience and diversified financial solutions from your professional service team.
Apply BOC
Cheers Card
New customer who successfully apply for a BOC Cheers Card and a Supplementary Card will be entitled to Welcome Offer of up to HK$1,600 Cash Rebate (Applicable to new customers who fulfil designated spending requirements)
Reminder: To borrow or not to borrow? Borrow only if you can repay!
Foreign Currency Trading/RMB Trading and Investment involves risks. The above products, services and offers are subject to terms and conditions. The Terms and Conditions of the related service will be provided electronically. Please read and accept the related Terms and Conditions. These Terms and Conditions will be available for download and store in the BOCHK website within 30 days of submission of account opening request or transaction instruction. Such information may not be available for viewing or downloading after said specified timeframe.
