2019 CMB Wing Lung Credit Card Banking Services Offers

CMB Wing Lung Property Mortgage Loan Services Offer

CMB Wing Lung Luxe Visa Infinite Cardholder, who holds CMB Wing Lung Sunflower Service Account, can enjoy a preferential property mortgage annual interest rate discount (CMB Wing Lung Bank Limited’s (“the Bank”) current HIBOR interest rate offer is HIBOR + 1.25% (Cap P-3.00%), the above interest rate discount and the Bank’s HIBOR interest rate is subject to change from time to time on the Bank’s sole discretion without further notice), upon successful application of CMB Wing Lung Property Mortgage Loan Services with an aggregate drawdown amount of not less than HKD3 million.

Fixed Deposit Offer

CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card Cardholder can enjoy preferential fixed deposit interest rate at any branches of the Bank by presenting CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card. The actual annual interest rate will be published according to the Bank from time to time, for details, please contact the Bank’s staff.

Securities Trading Services Offer

New CMB Wing Lung Luxe Visa Infinite Cardholder who buys / sells stocks listed on the Main Board of Hong Kong Stock Exchange through CMB Wing Lung Securities Account, can enjoy 2% CMB Wing Lung Luxe Visa Infinite spending credit rebate on the securities commission paid in that month.

Other new CMB Wing Lung Credit Card Cardholder who buys / sells stocks listed on the Main Board of Hong Kong Stock Exchange through CMB Wing Lung Securities Account, can enjoy 1% CMB Wing Lung Credit Card spending credit rebate on the securities commission paid in that month.

Fund Investment Services Offer

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

Remittance Services Offer

CMB Wing Lung Credit Card Cardholder can enjoy HKD20 less on handling charges of outward telegraphic transfer offer once per day at any branches of the Bank by presenting CMB Wing Lung Credit Card.

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

CMB Wing Lung Credit Card Cardholder, who holds deposit account(s) of 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 branches of the Bank by presenting CMB Wing Lung Credit Card, customer can enjoy up to 3 pieces of Bank’s Cashier Orders and 3 pieces of Bank’s Gift Cheques handling charge 50% discount per day.

CMB Wing Lung Insurance Company Limited (“CMB Wing Lung Insurance”) General Insurance Products Premium Discount Offer for the First Year via the Bank’s website or CMBWLB Wintech mobile application (“Wintech”)

CMB Wing Lung Credit Card Cardholder can enjoy the following premium discount offer for the first year by applying designated CMB Wing Lung Insurance General Insurance Products via the Bank’s website or Wintech:

 Types of General Insurance Products Premium Discount Offer for the First Year
CMB Wing Lung Luxe Visa Infinite CMB Wing Lung Credit Card Platinum Card / Corporate Card / Other CMB Wing Lung Credit Card
Sweet Home Insurance 30% discount 30% discount
Travel Insurance 2.0
(Single Journey)
50% discount 50% discount
Travel Insurance 2.0
(Annual Cover)
50% discount 50% discount
Personal Accident (Plus) Insurance 30% discount 30% discount

The offers are subject to relevant terms and conditions.

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

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.

General Terms and Conditions of 2019 CMB Wing Lung Credit Card Banking Services Offers:
  1. The offer period of 2019 CMB Wing Lung Credit Card Banking Services Offers (“this Offer”) is from 1st January 2019 to 31st December 2019 (both dates are inclusive) (“the Offer Period”).
  2. CMB Wing Lung Credit Card Cardholder must present the CMB Wing Lung Credit Card before enjoying each offer of this Offer. Unless otherwise specified, this Offer is not applicable to CMB Wing Lung Credit Card Corporate Card Cardholder.
  3. Each offer of this Offer is subject to separate terms and conditions. CMB 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 of this Offer, CMB Wing Lung Credit Card Cardholder can contact our Customer Services Hotline at 230 95555 or CMB Wing Lung Insurance Company Limited (“CMB Wing Lung Insurance”) Enquiry Hotline at 2826 8428 (applicable to General Insurance Products Premium Discount Offer for the First Year) or contact the branch staff of the Bank.
  8. In case of discrepancies between the English and Chinese versions 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 CMB Wing Lung Property Mortgage Loan Services Offer:
  1. Customer must apply for CMB Wing Lung Property Mortgage Loan Services during the Offer Period and successfully drawdown in full on or before 31st December 2019 to enjoy CMB Wing Lung 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 CMB Wing Lung 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 HKAB HIBOR 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 5.375% per annum, subject to market fluctuation.
  5. All application of CMB Wing Lung Property Mortgage Loan Services is subject to, inter alia, the Bank’s credit policy and final approval.
Terms and Conditions of Fixed Deposit Offer:
  1. Fixed Deposit Offer (“this Offer”) is only applicable to CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card Cardholder. Cardholder can enjoy preferential fixed deposit interest rate at any branches of the Bank by presenting CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card.
  2. 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 HKD10,000 or above, USD1,000 or above, AUD1,000 or above, NZD1,000 or above, CAD1,000 or above and GBP1,000 or above respectively.
  3. 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.
  4. This Offer cannot be used in conjunction with other offers of the Bank.
Terms and Conditions of Securities Trading Services Offer:
  1. Securities Trading Services Offer (“this Offer”) is only applicable to new customer who holds CMB Wing Lung Credit Card. “New customer” means customer who did not hold or cancel any CMB Wing Lung Credit Card in the past. New customer must complete a Credit Card Cash Rebate Scheme Registration Form (Securities Trading) within 3 calendar months from the card issuing date for CMB Wing Lung Credit Card spending credit rebate. The registration of Credit Card Cash Rebate Scheme is free of charge. New customer can enjoy CMB Wing Lung Credit Card spending credit rebate for 12 months after the registration month.
  2. CMB 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 CMB Wing Lung Securities Account can enjoy 2% CMB Wing Lung Luxe Visa Infinite spending credit rebate on the securities commission paid in that month. Other CMB 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 CMB Wing Lung Securities Account can enjoy 1% CMB Wing Lung Credit Card spending credit rebate on the securities commission paid in that month.
  3. The cardholder name of CMB Wing Lung Credit Card and account name of CMB Wing Lung Securities Account must be the same. If the CMB Wing Lung Securities Account is a joint account, the CMB Wing Lung Credit Card spending credit rebate will only be credited to the CMB Wing Lung Credit Card Cardholder.
  4. The amount of CMB Wing Lung Credit Card spending credit rebate is calculated at the end of each month and will be credited to the CMB Wing Lung Credit Card Account of the CMB Wing Lung Credit Card Cardholder directly. The relevant amount of the spending credit 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 CMB 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 CMB Wing Lung Luxe Visa Infinite Cardholder who subscribes fund investment services at any branches of the Bank.
  2. CMB Wing Lung Luxe Visa Infinite Cardholder can enjoy 1.8% fund subscription fee offer for subscription of lump sum fund investment through any branches of the Bank with amount of HKD100,000 or above by presenting CMB Wing Lung Luxe Visa Infinite.
  3. This 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.
Terms and Conditions of Remittance Services Offer:
  1. Remittance Services Offer (“this Offer”) is only applicable to CMB Wing Lung Credit Card Cardholder who performs remittance at any branches of the Bank.
  2. Each CMB Wing Lung Credit Card Cardholder can enjoy HKD20 less on handling charges of outward telegraphic transfer offer once per day.
  3. This Offer is applicable to all CMB Wing Lung Credit Card Cardholders (including CMB Wing Lung Credit Card Corporate Card Cardholder).
Terms and Conditions of Issuance of Bank's Cashier Order and Bank’s Gift Cheque Offer:
  1. Issuance of Bank's Cashier Order and Bank’s Gift Cheque Offer is only applicable to CMB 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 branches of the Bank by presenting CMB Wing Lung Credit Card, customer can enjoy up to 3 pieces of Bank’s Cashier Orders and 3 pieces of Bank’s Gift Cheques handling charge 50% discount per day.
Terms and Conditions of CMB Wing Lung Insurance Company Limited (“CMB Wing Lung Insurance”) General Insurance Products Premium Discount Offer for the First Year via the Bank’s website or CMBWLB Wintech mobile application (“Wintech”):
  1. CMB Wing Lung Credit Card Cardholder can enjoy the following premium discount offer for the first year by applying designated CMB Wing Lung Insurance General Insurance Products via the Bank’s website or Wintech:
 Types of General Insurance Products Premium Discount Offer for the First Year
CMB Wing Lung Luxe Visa Infinite CMB Wing Lung Credit Card Platinum Card / Corporate Card / Other CMB Wing Lung Credit Card
Sweet Home Insurance 30% discount 30% discount
Travel Insurance 2.0
(Single Journey)
50% discount 50% discount
Travel Insurance 2.0
(Annual Cover)
50% discount 50% discount
Personal Accident (Plus) Insurance 30% discount 30% discount
  1. Premium Discount Offer for “Sweet Home Insurance”, “Travel Insurance 2.0” (Annual Cover) and “Personal Accident (Plus) Insurance” are only applicable to new customer who holds CMB Wing Lung Credit Card. “New customer” means policyholder who has not held any similar types of policy(ies) issued by CMB Wing Lung Insurance in the past 6 months.
  2. Minimum premium requirement is applicable for specific general insurance products.
  3. Regarding the offer details, protection coverage and terms and conditions of each insurance products, please refer to relevant terms and conditions of the product or contact the staff of CMB Wing Lung Insurance for enquiry.
  4. 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 CMB Wing Lung Insurance and the customer.
  5. General Insurance Products are underwritten by CMB Wing Lung Insurance which is authorized and regulated by Insurance Authority of the Hong Kong Special Administrative Region. CMB Wing Lung Bank is an insurance agent authorized by CMB Wing Lung Insurance. CMB Wing Lung Insurance is a wholly-owned subsidiary of CMB Wing Lung Bank.

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