China CITIC Bank International

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HKD New Fund Savings Rate Offer 0.99%p.a.
Exclusive for Newly Opened My Dear Account In the Year of Dog

From now till 31 March 2018, newly open a My Dear Account2 and deposit New Funds to enjoy 0.99%p.a. Preferential Interest Rate*。

New Funds Amount Board Rate (p.a.) Bonus Interest Rate
(p.a.)
Preferential Interest Rate
(p.a.)
HK$9,999.99 or below 0.00% 0.99% 0.99%
HK$10,000 - HK$49,999.99 0.11% 0.88% 0.99%
HK$50,000 - HK$499,999.99 0.12% 0.87% 0.99%
HK$500,000 - HK$999,999.99 0.13% 0.86% 0.99%
HK$1,000,000 or above 0.13% -- --

* The preferential interest rate is calculated based on the My Dear Account interest rate of HK$500,000 quoted from China CITIC Bank International Limited on 5 February 2018 (i.e. 0.13%p.a.) plus 0.86%p.a. bonus interest rate and is for reference only. For details, please refer to the Promotional Terms and Conditions.

Promotional Terms & Conditions:

  1. The Promotion Period runs from 12 February 2018 to 31 March 2018 (both dates inclusive, hereinafter called the “Promotion Period”).
  2. The promotion is only applicable to customers who have not maintained any My Dear Account during previous 12 months under the sole name of the customer or by the customer being the primary account holder of a joint account with China CITIC Bank International Limited (the “Bank”).
  3. New Funds refer to funds that are newly deposited into the Bank by customers and not transferred from any account(s) within the Bank.
  4. Interest rates are subject to review according to the changes in market conditions. The Bank reserves the right to amend or revise the interest rate. The interest rate will be confirmed at the time the deposit is placed.
  5. The Bank reserves the right to delete, replace, supplement or amend any of these Terms and Conditions without prior notice, and shall not be responsible for any costs, expenses, losses or liabilities incurred. In the event of any matter or dispute arising out of or in connection with this Promotion, the decision of the Bank shall be final and conclusive.
  6. Except as otherwise expressly stated in these Terms and Conditions, no one other than a party to these Terms and Conditions may enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance, Cap. 623 of the Laws of Hong Kong. Where any clause of these Terms and Conditions entitles any third party to enforce any term of these Terms and Conditions under the Contracts (Rights of Third Parties) Ordinance, the parties reserve the right to vary that term or any other term of these Terms and Conditions without the consent of that third party.
  7. These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region and any dispute arising out or in connection therewith shall be referred to the courts of Hong Kong SAR.
  8. In the event of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
  9. Bonus Interest Rate Reward
    1. The Bonus Interest Rate Reward is only applicable to New Customer (as defined in Clause 2) who opens a My Dear Account during the Promotion Period (“Eligible Customers”).
    2. Eligible Customers (as defined in Clause 9a) must deposit New Funds (as defined in Clause 3) in the relevant My Dear Account, and maintain such New Funds from the account opening date of My Dear Account until 31 May 2018 (if open account in February 2018), or 30 June 2018 (if open account in March 2018) (hereinafter called the “Bonus Interest Rate Reward Period”). Bonus Interest Rate Reward Period is the tenor for calculation of bonus interest.
    3. New Funds are calculated based on the net increase in:
      1. Total Balance of the customer as of the end of the respective Bonus Interest Rate Reward Period (as defined in Clause 9b) against that as of 31 January 2018. Total Balance includes deposits held in accounts opened at the Bank under the sole name of the customer or by the customer being the primary holder of a joint account; or
      2. The average balance of My Dear Account during the respective Bonus Interest Rate Reward Period (as defined in Clause 9b).
      The net increase amount of (i) or (ii), whichever is lower, will be regarded as New Funds.
    4. The applicable bonus interest rates for respective New Funds Amount are set out below:
      New Funds Amount Bonus Interest Rate (p.a.)
      HK$9,999.99 or below 0.99%
      HK$10,000 - HK$49,999.99 0.88%
      HK$50,000 - HK$499,999.99 0.87%
      HK$500,000 - HK$999,999.99 0.86%
    5. The bonus interest earned will be credited to eligible My Dear Account within 6 weeks after the end of Bonus Interest Rate Reward Period (as defined in Clause 9b). At the time of crediting the bonus interest, customers must still maintain a valid My Dear Account.
    6. Each customer can enjoy the Bonus Interest Rate Offer once only.
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