Wing Lung Credit Card Banking Services Offers

Issue of Bank's Cashier Order and Bank’s Gift Cheque Offer

Wing Lung Credit Card cardholder, who holds deposit account(s) of Wing Lung Bank Limited (“the Bank”), can enjoy 50% discount on handling charges for issuance of the Bank’s Cashier Order or purchase of the Bank’s Gift Cheque at any of our branches by presenting Wing Lung Credit Card. Each customer can enjoy up to 3 Bank’s Cashier Orders and 3 Bank’s Gift Cheques handling charge 50% discount per day.

Property Mortgage Loan Services Offer

Wing Lung Luxe Visa Infinite cardholder, who is also Wing Lung Sunflower Service customer, can enjoy a Preferential Property Mortgage Interest Rate up to HIBOR +1.35% or Prime Rate - 3.1%p.a., whichever is lower, upon successful application for Property Mortgage Loan with the Bank with an aggregate drawdown amount of not less than HK$1 million. In addition, Wing Lung Luxe Visa Infinite cardholder can enjoy first year premium waiver by prepaying second year premium of Wing Lung Insurance “Supreme Home Insurance” and/or Wing Lung Insurance “Personal Accident (Plus) Insurance” within 3 months from the drawdown date.

Other Wing Lung Credit Card cardholder can enjoy a Preferential Property Mortgage Interest Rate up to HIBOR +1.38% or Prime Rate - 3.1%p.a., whichever is lower, upon successful application for Property Mortgage Loan with the Bank with an aggregate drawdown amount of not less than HK$1 million. Other Wing Lung Credit Card cardholder can also enjoy first year premium waiver by prepaying second year premium of Wing Lung Insurance “Fire Insurance” within 3 months from the drawdown date.

Fixed Deposit Offer

Wing Lung Luxe Visa Infinite or Wing Lung Credit Card Platinum Card cardholder can enjoy preferential fixed deposit interest rate by depositing “New Funds” to the Bank at any of our branches by presenting Wing Lung Luxe Visa Infinite or Wing Lung Credit Card Platinum Card. The actual annual interest rate will be published according to the Bank from time to time, please contact the Bank staff for details.

Wing Lung Insurance Company Limited (“Wing Lung Insurance”) General Insurance Premium Discount Offer

Wing Lung Credit Card cardholder can enjoy the following premium discount for applying Wing Lung Insurance General Insurance Products at branch:

Types of General Insurance Products Premium Discount Offer
Luxe Visa Infinite Wing Lung Credit Card Platinum Card or Corporate Card Other Wing Lung Credit Card

Sweet Home Insurance

35% discount

30% discount

20% discount

Supreme Home Insurance

35% discount

30% discount

20% discount

Travel Insurance
(Single Journey)

35% discount

30% discount

25% discount

Travel Insurance
(Annual Cover)

25% discount

20% discount

15% discount

Domestic Helper Insurance
(Offer is only applicable to Plan B)

35% discount

30% discount

20% discount

Personal Accident (Plus) Insurance

35% discount

30% discount

20% discount

Motor Vehicle Insurance
- Comprehensive
- Liability to Third Party


65% discount
50% discount


60% discount
50% discount


55% discount
45% discount

Golfer Insurance

35% discount

30% discount

20% discount

Credit Protection Insurance

Waiver of first month premium

Remittance Services Offer

Wing Lung Credit Card cardholder can enjoy less HKD20 handling charges of outward telegraphic transfer offer once per day at any of our branches by presenting Wing Lung Credit Card.

Securities Trading Services Offer

New Wing Lung Luxe Visa Infinite cardholder who buys/sells stocks listed on the Main Board of Hong Kong Stock Exchange through the securities account of the Bank can get 2% Wing Lung Credit Card spending credit rebate on the securities commission paid in that month.

New other Wing Lung Credit Card cardholder who buys/sells stocks listed on the Main Board of Hong Kong Stock Exchange through the securities account of the Bank can get 1% Wing Lung Credit Card spending credit rebate on the securities commission paid in that month.

Fund Investment Services Offer

Wing Lung Luxe Visa Infinite cardholder can enjoy 1.8% fund subscription fee offer for subscription of lump sum fund investment through any of our branches with amount of HKD100,000 or above by presenting Wing Lung Luxe Visa Infinite.

The offers are subject to relevant terms and conditions.

Important Notice

This is an investment product and some may involve derivatives. The investment decision is yours but you should not invest in the investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Risk Disclosure Statement

The above information is for reference only and does not constitute and should not be regarded as any offer to purchase or sell. Investment involves risks and the price of investment products may fluctuate or even become worthless. Past record is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the risk disclosure statements in the prospectus of the investment product before making any investment decisions. The above information has not been reviewed by the Securities and Futures Commission of Hong Kong.

2017General Terms and Conditions of 2017 Wing Lung Credit Card Banking Services Offers:
  1. The offer period of 2017 Wing Lung Credit Card Banking Services Offers (“this Offer”) is from 3rd January 2017 to 31st December 2017 (both dates are inclusive) (“the Offer Period”).
  2. Wing Lung Credit Card cardholder must present the Wing Lung Credit Card before enjoying each offer of this Offer. Unless specified otherwise, this Offer is not applicable to Wing Lung Credit Card Corporate Card customer.
  3. Each offer of this Offer is subject to the separate terms and conditions. Wing Lung Bank Limited (“the Bank”) has the right to amend, change or cancel any of the offers or terms at any time without further notice.
  4. All offers are not transferable and cannot be converted into cash.
  5. The Bank and its subsidiary companies reserve the rights of final approval to all the application of each offer.
  6. In case of any dispute, the Bank reserves the right of final decision.
  7. For any enquiries of each offer, Wing Lung Credit Card cardholder can call our Customer Services Hotline at 230 95555 or Wing Lung Insurance Company Limited (“Wing Lung Insurance”) Enquiry Hotline at 2826 8428 (applicable to General Insurance Products premium discount) or contact the branch staff of the Bank.
  8. If there is any inconsistency between English and Chinese version of the terms and conditions of this Offer, the English version shall prevail.
  9. General Terms and Conditions of this Offer are applicable to the terms and conditions of each offer below.
Terms and Conditions of Issue of Bank's Cashier Order and Bank’s Gift Cheque Offer:
  1. Issue of Bank's Cashier Order and Bank’s Gift Cheque Offer is only applicable to Wing Lung Credit Card cardholder who holds deposit account(s) of the Bank.
  2. Customer who complies with clause 1 above can enjoy 50% discount on handling charges for issuance of the Bank’s Cashier Order or purchase of the Bank’s Gift Cheque at any of our branches by presenting Wing Lung Credit Card. Each customer can enjoy up to 3 Bank’s Cashier Orders and 3 Bank’s Gift Cheques handling charge 50% discount per day.

Terms and Conditions of Property Mortgage Loan Services Offer:

  1. Customer must apply for Property Mortgage Loan Services during the Offer Period and drawdown in full on or before 31st December 2017 to enjoy Property Mortgage Loan Services Offer (“this Offer”).
  2. This Offer is only applicable to residential property. This Offer is not applicable to applications referred by agents and cannot be used in conjunction with other offers.
  3. This Offer is subject to these Terms and Conditions and the Bank’s “MORTGAGE WITH PROPERTY AS COLLATERAL - TERMS AND CONDITIONS” for Property Mortgage Loan Services.
  4. The Preferential Property Mortgage Interest Rate offer is subject to the relevant terms and conditions. “HIBOR” means the Hong Kong Interbank Offered Rate which shall be determined by the Bank by reference to the HKABHIBOR page (or its replacement) as of 11:00 a.m. (Hong Kong Time) on the first day of the relevant drawdown or rollover date. “Prime Rate” means the Best Lending rate from time to time quoted by the Bank. The current prime rate is 5.25% per annum and it’s subject to market fluctuation.
  5. Approval to application of a Property Mortgage Loan Services is subject to, inter alia, the Bank’s credit policy and checking of the credit reference.
  6. For the offer of first year premium waiver by prepaying second year premium of Wing Lung Insurance “Supreme Home Insurance” and/or Wing Lung Insurance “Personal Accident (Plus) Insurance”, it is only applicable for plan 1. (Wing Lung Insurance “Supreme Home Insurance”: Gross Floor Area: 1,001 – 1,500 sq.ft., self occupied residential property exclude old tenement, village house or property age over 50 years).
  7. For the offer of first year premium waiver by prepaying second year premium, customer must prepay the second year premium while applying the relevant General Insurance Products within 3 months after the loan drawdown date.
  8. For Wing Lung Insurance General Insurance Products, please refer to the insurance policy for Terms and Conditions and other specific details.

Terms and Conditions of Fixed Deposit Offer:

  1. Fixed Deposit Offer (“this Offer”) is only applicable to Wing Lung Luxe Visa Infinite or Wing Lung Credit Card Platinum Card cardholder. Cardholder can enjoy preferential fixed deposit annual interest rate by depositing “New Funds” to the Bank at any of our branches by presenting Wing Lung Luxe Visa Infinite or Wing Lung Credit Card Platinum Card.
  2. "New Funds" mean funds newly deposited into the Bank within 3 days before making fixed deposits by cash, cheque/ cashier order, local CHATs, Telegraphic Transfer from other banks and the existing funds in the Bank converted to designated currency to make fixed deposits. It excludes the renewal or rollover of existing fixed deposits, transfer of funds from same currency accounts. As for the definition of "New Funds", please contact the Bank staff for enquiries. The Bank reserves the right to determine the definition of "New Funds".
  3. The preferential fixed deposit annual interest rates of this Offer are only applicable to the deposits of designated currencies and amount. The designated currencies and amount is: HKD50,000 or above, RMB20,000 or above, USD5,000 or above, AUD10,000 or above, NZD10,000 or above, CAD10,000 or above and GBP5,000 or above respectively.
  4. All fixed deposits cannot be withdrawn, cancelled or terminated before maturity. If the customer withdraws, cancels or terminates the fixed deposits before maturity, the Bank will not disburse any interest, and charges will apply.
  5. This Offer cannot be used in conjunction with other offers of the Bank.

Terms and Conditions of Wing Lung Insurance General Insurance Premium Discount Offer:

  1. Wing Lung Credit Card cardholder can enjoy the following premium discount for applying Wing Lung Insurance General Insurance products at branch:
Types of General Insurance products Premium Discount
Luxe Visa Infinite Wing Lung Credit Card Platinum Card or Corporate Card Other Wing Lung Credit Card

Sweet Home Insurance

35% discount

30% discount

20% discount

Supreme Home Insurance

35% discount

30% discount

20% discount

Travel Insurance
(Single Journey)

35% discount

30% discount

25% discount

Travel Insurance
(Annual Cover)

25% discount

20% discount

15% discount

Domestic Helper Insurance
(Offer is only applicable to Plan B)

35% discount

30% discount

20% discount

Personal Accident (Plus) Insurance

35% discount

30% discount

20% discount

Motor Vehicle Insurance
- Comprehensive
- Liability to Third Party


65% discount
50% discount


60% discount
50% discount


55% discount
45% discount

Golfer Insurance

35% discount

30% discount

20% discount

Credit Protection Insurance

Waiver of first month premium

  1. Premium Discount Offer for Wing Lung Insurance “Sweet Home Insurance”, Wing Lung Insurance “Supreme Home Insurance”, Wing Lung Insurance “Travel Insurance” (Annual Cover), Wing Lung Insurance “Domestic Helper Insurance”, Wing Lung Insurance “Personal Accident (Plus) Insurance”, Wing Lung Insurance “Motor Vehicle Insurance”, Wing Lung Insurance “Golfer Insurance” and Wing Lung Insurance “Credit Protection Insurance” are only applicable to new customer who holds Wing Lung Credit Card. “New customer” means policyholder who has not held any similar types of policy(ies) issued by Wing Lung Insurance in the past 6 months.
  2. Wing Lung Insurance “Motor Vehicle Insurance” premium discount offer is subject to, inter alia, the underwriting guidelines and approved vehicle list of Wing Lung Insurance, underwriting review by Wing Lung Insurance is required.
  3. Minimum premium requirement is applicable for specific general insurance products.
  4. Regarding the offer, protection coverage and terms and conditions of each insurance products, please refer to relevant terms and conditions of the product or contact the Bank staff for enquiry.
  5. 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly Wing Lung Insurance and the customer.
  6. General Insurance Products are underwritten by Wing Lung Insurance which is authorized and regulated by the Commissioner of Insurance of HKSAR. Wing Lung Bank is an insurance agent authorized by Wing Lung Insurance. Wing Lung Insurance is a wholly-owned subsidiary of Wing Lung Bank.

Terms and Conditions of Remittance Services Offer:

  1. Remittance Services Offer (“this Offer”) is only applicable to Wing Lung Credit Card cardholder who performs remittance at any of our branches.
  2. Each Wing Lung Credit Card cardholder can enjoy HKD20 less handling charges of outward telegraphic transfer offer once per day.
  3. This Offer is applicable to all Wing Lung Credit Card cardholders (including Wing Lung Credit Card Corporate Card).

Terms and Conditions of Securities Trading Services Offer:

  1. Securities Trading Services Offer (“this Offer”) is only applicable to new customer of Wing Lung Credit Card HKD Visa, HKD Master or UnionPay Dual Currency Card. “New customer” refers to those who did not hold or cancel any Wing Lung Credit Card in the past. New customer must complete a registration form within 3 calendar months from the card issuing date for the Wing Lung Credit Card spending credit rebate. The registration is free of charge. New customer can enjoy Wing Lung Credit Card spending credit rebate for 12 months after the registration month.
  2. Wing Lung Luxe Visa Infinite cardholder who complies with clause 1 above buys/sells stocks listed on the Main Board of Hong Kong Stock Exchange through the securities account of the Bank can get 2% Wing Lung Credit Card spending credit rebate on the securities commission paid in that month. Other Wing Lung Credit Card cardholder who complies with clause 1 above buys/sells stocks listed on the Main Board of Hong Kong Stock Exchange through the securities account of the Bank can get 1% Wing Lung Credit Card spending credit rebate on the securities commission paid in that month.
  3. The cardholder name of Wing Lung Credit Card and account name of the securities account must be the same. If the securities account is a joint account, the Wing Lung Credit Card spending credit rebate will only be credited to the Wing Lung Credit Card cardholder.
  4. The amount of Wing Lung Credit Card spending credit rebate is calculated at the end of each month and will be credited to the credit card account of the cardholder directly. The relevant amount of the rebate will be shown in the credit card monthly statement in the following month.
  5. This Offer cannot be used in conjunction with other securities offers. The Bank will calculate the Wing Lung Credit Card spending credit rebate amount under various offers in each month separately, and will only offer the highest rebate amount.

Terms and Conditions of Fund Investment Services Offer:

  1. Fund Investment Services Offer (“this Offer”) is only applicable to Wing Lung Luxe Visa Infinite cardholder who subscribes fund investment at any of our branches.
  2. Wing Lung Luxe Visa Infinite cardholder can enjoy 1.8% fund subscription fee offer for subscription of lump sum fund investment through the Bank with amount of HKD100,000 or above by presenting Wing Lung Luxe Visa Infinite.
  3. Fund Subscription fee offer is calculated based on the aggregate subscription amount of simultaneous investment funds. This Offer is not applicable to the investment funds with no subscription fees, money market funds or any other funds designated by the Bank.

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