Securities Service
- Register mission and fulfil designated requirement to enjoy up to lifetime HK$0 brokerage commission for unlimited BUY trades of Hong Kong and U.S. stocks as well as China A-shares10
Remarks:
1 Customer should register MONOPOLY Deposit during registration period and deposit eligible funds to enjoy MONOPOLY Deposit bonus interest rate, subject to the fulfillment of respective currency's minimum eligible fund requirement and maximum eligible funds amount cap.
2 The above preferential interest rate is quoted as of 8 October 2025 and is for reference only, subject to the tenor of the time deposit.
3 The up to HK$2,000 PAYROLLplus Welcome Reward including up to HK$1,000 Auto Payroll Reward and HK$1,000 CNCBI Jewel World Mastercard® Card Welcome Offer, for detail please refer to the Promotional Terms and Conditions for PAYROLLplus Account.
4The bonus interest rate will be applied in addition to the prevailing savings rate and the cap to enjoy the bonus interest rate is HK$1,000,000.
5 New Cardmembers are applicants who do not currently hold and have not cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of their current applications for a principal card of the CNCBI Credit Cards.
6 Eligible spending in foreign currencies include posted retail and online transactions settled in any non-Hong Kong dollars.
7 The Annualized Percentage Rate ("APR") is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The annualized rate shown is rounded to two decimal places.
8 The APR 1.38% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.02%, including a Handling Fee of 0.5% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
9 Customers successfully applying and drawdown for $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan with loan amount of HK$100,000 or above and repayment tenor of 36 months or above during the period from now until 31 December 2025 shall be entitled to the corresponding Cash Rebate. Selected Customers will be eligible for Cash Rebate of up to HK$23,888, and other customers will be eligible for Cash Rebate of up to HK$12,888. For details, please refer to “$mart Plus Personal Installment Loan – Promotional Terms and Conditions for up to HK$23,888 Cash Rebate Offer”.
10 The Offer is valid from 1 July 2025 to 31 December 2025 (Hong Kong Time), both dates inclusive. This Offer is only applicable to customers who meet ALL the requirements below during above promotion period (the “Eligible Customer”): (a) Received the “Lifetime Stock Purchase Fee Waiver” mission (the “Mission”) via “Rewards Go!” on inMotion, and (b) Maintained a valid One Account whether in sole name or joint account. Eligible Customer can enjoy lifetime $0 brokerage commission for securities purchases of Hong Kong Stocks, U.S. Stocks and China A-shares executed via inVest and inMotion (the “Purchases Fee Waiver”) if the below requirements are fulfilled: (a) login to inMotion, click “Rewards Go!”, find above mission and click “Register Now” button to register for the Mission during the Promotion Period, (b) Starting from the registration month, the Purchases Fee Waiver will continue if Eligible Customer maintains at least HKD 100,000 at each calendar month end in sum of his/her existing personal HKD current/savings/One Account Deposit accounts except time deposits (the “Eligible HKD Accounts”) thereafter. If Eligible Customer does not maintain at least HKD 100,000 at any calendar month end in sum of Eligible HKD Accounts, the Purchases Fee Waiver will be temporarily suspended in the following calendar month. Eligible Customer is required to maintain at least HKD 100,000 at the month end again in sum of Eligible HKD Accounts to resume the Purchases Fee Waiver for next calendar month, (c) If Eligible Customer does not maintain at least HKD 100,000 at month end in sum of Eligible HKD Accounts for 3 consecutive months , the Purchases Fee Waiver will be terminated starting from the following month and cannot be resumed.
11 Customer can enjoy the above interest rate offer upon completing a single FX transaction to exchange for designated currency, and setting up a 1-week or 1-month time deposit in the same currency at the same time via inMotion Designated FX Time Deposit service during designated period. The exchange rates may fluctuate at any time. The final exchange rate will be determined at the time the transaction is actually effected by the Bank.
12 Promotion period is from 1 October 2025 to 31 December 2025. Only applicable to customers who have not subscribed any Investment Funds (excluding Monthly Investment Plans and Money Market Funds) during 1 October 2024 to 30 September 2025 and the first Investment Fund Subscription transaction (excluding Money Market Funds) via online channels only (including inMotion and Internet Banking).
Key Facts Statement / CNCBI Credit Card Fees and Charges
Investment and foreign exchange involves risks.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
Terms and conditions apply.