Privileged Offers

Pre-approved World Credit Card Exclusive Privileges
Up to HK$1,000,000 Free Annual Multi Family Travel Protection (For maximum 4 family members) 1 Enjoy the Worldwide Airport Lounge Services Perpetual annual fee waiver

*For other privileges, please contact our staff.
 

 

Preferential Product and Service Fees for Retail Banking services

Deposit Account Service
Set-up of auto-pay	Waived
Gift Cheque	Waived
ATM Card annual fee	Perpetual waived
Issuance of Cashier's Order	50% discount
Issuance of Demand Draft	50% discount

Remittance Services
Inward Remittance	Waived
Outward Remittance* (including cable charges)	50% discount

Loan Services
Processing Fee and Interest Rate on London Mortgage Loan Currency Exchange	Discount offer Exchange Rate offer

Investment Services
Annual Fee of Shares Overdraft Facility	First Year Waiver
Subscription of New Issues	Waived
1,000 Real-time Snapshot Quotes per month	Waived

You can enjoy selected preferential offers and fee waivers of up to 50% on selected banking services, as well as privileged terms from time to time on deposits, lending, foreign currency exchange rates, investment and insurance products. For details, please contact our staff at your nearest branch.

Terms and Conditions for SMART Banking Service
 

Remarks:

1.

Free Annual Family Travel Insurance is applicable to i) principal cardholder, ii) supplementary cardholder(s) or iii) principal cardholder and his/her accompanying family members (including spouse and maximum 2 children under the age of 17). The above insurance plan is underwritten by Paofoong Insurance Company (Hong Kong) Limited, which is authorized and regulated by the Commissioner of Insurance of the HKSAR. Paofoong Insurance Company (Hong Kong) Limited is a subsidiary of Shanghai Commercial Limited ("The Bank"). The Bank is an appointed insurance agent of Paofoong Insurance Company (Hong Kong) Limited. For details of coverage, indemnity limit and the terms and conditions, please refer to the relevant materials and the terms and conditions.

2.

Investment involves risks, and the prices of investment products may go up or down and may become valueless. Past performance of investment products may not be indicative of future performance. Before making any investment decisions, you should carefully read and understand the information and clauses provided in all related sales documents for the investment product, and you should ensure that you clearly understand all the risks involved. Do not rely solely on the information given here. Before making any investment, you should determine whether an investment product is suitable for you (based on your investment objective, investment experience, financial situation and risk tolerance level), and you should seek independent professional advice. The contents of this promotion materials are for reference only and do not constitute any offer, solicitation to subscribe or redeem or recommendation. The contents of this promotion materials have not been reviewed by the Securities and Futures Commission of Hong Kong.

Reminders about Responsible Borrowing

• You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
• You should have assessed your repayment ability and avoid over-borrowing.
• You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
• To borrow or not to borrow? Borrow only if you can repay!

In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282.