Promotions & Info

Exclusive Promotion for SMART Banking customers

Take up SMART Banking Service can enjoy
Exclusive Rewards up to HK$18,988

From now until 30 June 2020 ("Promotion Period")1, become a SMART Banking customer to enjoy exclusive rewards up to HK$18,988!

Welcome Reward2

New customers who successfully take up SMART Banking Service and apply for World Credit Card can enjoy HK$800 Free Spending Credit. Existing SMART Banking customers or customers upgraded to SMART Banking Service who successfully apply for World Credit Card can also enjoy HK$300 Free Spending Credit.
Customer Type Free Spending Credit (HKD)
New SMART Banking customers HK$800
Existing SMART Banking customers or customers upgraded to SMART Banking Service HK$300

Upgrade Reward3

SMART Banking customers can earn 3x Bonus Points with World Credit Card for local dining and overseas transactions, along with 10x Bonus Points for online transactions, for the upgrade reward of up to an equivalent of HK$1,200.

Total Asset Balance Growth Reward4

SMART Banking customers can enjoy up to HK$10,000 Free Spending Credit when he/she has HK$1,000,000 growth in Total Asset Balance and conduct Eligible Transaction with designated accumulative transaction amount.
Total Asset Balance Growth
(in HKD or equivalent)
Accumulative transaction amount for eligible transactions
(in HKD or equivalent)
Free Spending Credit
(in HKD)
$1,000,000 or above $5,000,000 or above $10,000
$3,000,000 to <$5,000,000 $5,400
$1,000,000 to <$3,000,000 $1,500

Wealth Management Rewards

Offers for New Securities Customers5
  • Customers registering for designated e-channel services can enjoy HK$100 Free Spending Credit
  • Customers can enjoy first 6-month 0% brokerage commission discount for buying securities of up to HK$6,888 Free Spending Credit
Life Insurance Offers6
  • Up to 40% first year premium discount for designated life insurance plans.

Deposit Rewards7

Designated Currencies Extra Fixed Deposit Interest Rate offer Exchange Rate Premium offer
RMB Extra 0.10% Bank Sell rate - 0.0040
USD Bank Sell rate - 0.0050
GBP Not Applicable

To borrow or not to borrow? Borrow only if you can repay!


Investment involves risks. Offers are subject to the applicable Terms and Conditions. For details, please refer to the Terms and Conditions or contact our staff.

SMART Banking Customer Service Hotline:(852) 2855 8818


Appointment for joining SMART Banking