Post on 06-Aug-2020
Offer Terms
1. Unless otherwise specified, the Promotion Period is from 3 May 2016 to 31 July 2016 (both dates inclusive)
(“Promotion Period”).
2. Enrich Banking World MasterCard 10x Reward Gift Points (HK$1.5 Spending = 1 Mile)
I. General Terms and Conditions
i. Unless otherwise specified, holders of an Enrich Banking World MasterCard can enjoy the reward gift
points upon fulfilling the following requirements:
- newly taking up / upgrading to Enrich Banking Service (applicable to sole-name account only) within
the Promotion Period, and
- newly taking up Payroll Service within the Promotion Period, and
- applying for the Enrich Banking World MasterCard within the Promotion Period, and having Enrich
Banking World MasterCard successfully approved on or before 31 August 2016
ii. Unless otherwise specified, the qualified spending periods are as detailed below (all given dates are
inclusive; transaction date shall prevail) (the "Qualified Spending Period").
The period of Enrich Banking World MasterCard
being approved
Spending Period (all given dates are inclusive;
transaction date shall prevail)
3 May 2016 to 31 May 2016 1 June 2016 to 31 July 2016
1 June 2016 to 30 June 2016 1 July 2016 to 31 August 2016
1 July 2016 to 31 July 2016 1 August 2016 to 30 September 2016
1 August 2016 to 31 August 2016 1 September 2016 to 31 October 2016
iii. To be eligible for the offer, cardholders shall have to make the transaction with the Enrich Banking World
MasterCard (the "Eligible Card") issued by BOC Credit Card (International) Ltd. (the "Card Company") in
Hong Kong SAR within the Spending Period.
iv. Only local transactions on dining (not applicable to banquet services, private parties/functions, private
room events, dining outlets in social/sports association or clubhouses), travel (only applicable for travel
agency and airlines company) and department store can enjoy the offer (the 'Eligible Transactions').
Eligible Transactions only include the spending at merchants categorized by specific merchant codes such
as restaurant, dining, travel agency, airlines company, department store merchants/organizations (as
defined by the Card Company/MasterCard Inc. from time to time). All overseas purchase and cash
advance, the annual fee, financial fee, handling fee, balance transfer, cash before card service amount,
installment fee, gift redemption fee, internet payment or transaction amount, tax payment, mail order,
telephone or fax order, casino transaction, Octopus AAVS, gift delivery charges, investment and any other
transactions without sales slip are all excluded.
v. The extra gift points only apply to local Eligible Transactions that are based on the transaction date and
must be posted to Eligible Card account within 7 days from the transaction date.
vi. Any fraudulent, unauthorized, cancelled, refunded transactions as well as unposted transactions will result
in the forfeiture of eligibility for the extra gift points..
vii. Cardholder will only be entitled to the extra gift points if his/her card account is valid and in good standing
at the time when the extra gift points are credited. If a cardholder has cancelled his/her card account or is
found to be in violation of the Card User Agreement, or if a cardholder has overdue payment/is with
unsatisfactory record during the Promotion Period or at the time when the extra gift points are credited, the
eligibility for the offer will be forfeited.
viii. All gift points are not transferable, refundable or convertible into cash or other prizes.
ix. Where a cardholder has been rewarded gift points and a reversal entry occurs thereafter on any of the
related transaction(s), the cardholder is required to reimburse the Card Company with the equivalent
monetary value for such rewarded gift points or in a manner as may be determined by the Card Company.
The Card Company will, without prior notice, charge the equivalent monetary value to the cardholder
account in reversal of such rewarded gift points.
x. Cardholders must retain all original transaction sales slips for reference. In case of any dispute, the Card
Company reserves the right to request a cardholder to provide the original transaction sales slip(s) and/or
such further documentation or evidence for verification at any time. All sales slips and/or such further
documentation submitted to the Card Company will not be returned.
xi. The Card Company will determine the eligibility of submitted transaction details by verifying the cardholder
transaction records kept by the Card Company. The Card Company records shall be final and conclusive.
xii. The Card Company reserves the right to change, suspend or terminate the offer or amend the terms and
conditions at its sole discretion without prior notice.
II. 10x Reward Gift Points for local Dining, Travel and Department Store Transactions
i. "10x Reward Gift Points for local dining, travel and department store transactions" will be counted on each
calendar month starting from the first day of the month until the last day of the month. The Eligible
Transaction must be posted to the Eligible Card account within 7 days from the transaction date.
ii. To be eligible for the offer of "10x Reward Gift Points for local dining, travel and department store
transactions", Cardholders are required to fulfill the following requirements:
a) Make monthly accumulated transaction amount on retail purchase and/or cash advance of
HK$15,000 or above within a calendar month (the "Monthly Accumulated Transaction Amount").
Monthly Accumulated Transaction Amount includes all local and overseas retail purchase and/or cash
advance. Annual fee, financial fee, handling fee, balance transfer, cash before card service amount,
installment fee, gift redemption fee, internet payment or transaction amount, tax payment, mail order,
telephone or fax order, casino transaction, Octopus AAVS, gift delivery charges, investment and any
other transactions without sales slip are all excluded. The spending of the additional cardholder(s)
can be aggregated with that of the main cardholders.
b) Make Eligible Transactions that include local transactions on dining, travel and department store
(Clause (iv) of Section (I) refers) with the Eligible Card in respective calendar month. Cardholder can
be entitled to the original extra 4x gift points on top of the basic 1x gift point (HK$1=1 gift point). The
original extra 4x gift points will be posted to the Eligible Card account in the month end following the
transaction month.
c) Cardholder can be additionally entitled to extra 5x gift points on top of the original extra 4x gift points
(Clause (iib) of Section (II) refers), total up to extra 9x gift points. The extra 5x gift points will be posted
to the Eligible Card account on or before 31 January 2017.
3. Payroll Service:
a. Payroll Service Rewards of up to HK$800:
Customers are required to maintain a valid HKD Savings Account or HKD Current Account (including
sole-name or joint-name accounts) (“Payroll Account”) with Bank of China (Hong Kong) Limited (“BOCHK”),
and (i) register for Payroll Service via any branch, Phone Banking or Internet Banking of BOCHK during
the Promotion Period; (ii) start receiving salary by “electronic payroll arrangement” or newly set up “single
standing instruction” (not including the standing instruction originating from BOCHK and Chiyu Banking
Corporation Limited via Payroll Account within the next 2 calendar months from the date of payroll service
registration, and maintain this arrangement until Free Spending Credit is credited by the Card Company
accordingly; and (iii) have not registered for and/or taken up BOCHK’ s Payroll Service within the period
from 1 January 2016 to 31 March 2016 ( “Eligible Customers of Payroll Service” ).The details of the offer
are as follows:
i. Welcome Reward
The amount of Free Spending Credit for Welcome Reward received by the Eligible Customers of
Payroll Service will be determined by the amount of first monthly salary received through the Payroll
Account and the categories of customers. For details, please refer to following table.
Monthly Salary Free Spending Credit
(Enrich Banking customers)
HK$20,000 or above HK$500
HK$10,000 - HK$19,999 HK$100
Free Spending Credit for Welcome Reward will be credited to the valid BOC Credit Card Accounts held
by the Eligible Customers of Payroll Service on or before 28 February 2017. The Eligible Customers of
Payroll Service should still receive salary via the Payroll Account since the first payroll month until Free
Spending Credit for Welcome Reward is credited by the Card Company.
ii. Extra Payroll Loyalty Reward
To enjoy Free Spending Credit for Extra Payroll Loyalty Reward, Eligible Customers of Payroll Service
should receive salary via the Payroll Account by “electronic payroll arrangement” or newly set up
“single standing instruction” (not including the standing instruction originating from BOCHK, and Chiyu
Banking Corporation Limited) from the first payroll month and maintain this arrangement until Free
Spending Credit is credited by the Card Company, and still hold the Enrich Banking Integrated Banking
Service. For details, please refer to following table.
Monthly Salary Free Spending Credit
(Enrich Banking customers)
HK$10,000 or above HK$300
Free Spending Credit for Extra Payroll Loyalty Reward will be credited to the valid BOC Credit Card
Accounts held by the Eligible Customers of Payroll Service on or before 31 October 2017. The Eligible
Customers of Payroll Service should still receive salary via the Payroll Account since the first payroll
month when Free Spending Credit for Extra Payroll Loyalty Reward is credited by the Card Company.
• “Salary” refers to the basic monthly salary (excluding commission, bonus, double pay, repayment and/
or other funds) of which the amount should reach HK$10,000 or above.
• “Electronic payroll arrangement” refers to the employer crediting the customer’s salary to customer’s
Payroll Account through BOCHK’s or other banks’ payroll system. Standing instruction, overseas
remittance, local electronic transfer, cheque or cash deposit will not be considered as “electronic payroll
arrangement”.
• BOCHK reserves the absolute right to define the terms of “salary”, “electronic payroll arrangement” and
“single standing instruction”.
• Each Eligible Customer of Payroll Service can enjoy this offer once only. If an Eligible Customer of
Payroll Service registers for more than one Payroll Account within the Promotion Period, the Eligible
Customer of Payroll Service can only enjoy the offer once.
• If the Payroll Account is a joint account, the holders of such account will be considered as one customer
and only one of the account holders will be entitled to this offer.
• If an Eligible Customer of Payroll Service does not maintain any valid BOC Credit Card when the Free
Spending Credit is credited by the Card Company, BOCHK will credit cash of equivalent value to
his/her non-Dormant HKD Savings Account or HKD Current Account without prior notice.
• The above offers are not applicable to staff of BOCHK and its subsidiaries.
b. Civil Servants’ Payroll Service Reward of up to HK$1,500:
To be eligible for Free Spending Credit, customers are required to meet all of the following requirements
during the Promotion Period (“Eligible Civil Servant of Payroll Service”):
be “Hong Kong Government Civil Servant” and receive salary through the Treasury of the
Government of the Hong Kong Special Administrative Region; and
maintain a valid HKD Savings Account or HKD Current Account (including sole-name or joint-name
accounts) (“Payroll Account”) with BOCHK; and
register for Payroll Service via any branch, Phone Banking or Internet Banking of the Bank during the
Promotion Period; and
start receiving salary credited to the Payroll Account by “electronic payroll arrangement” within the
next 2 calendar months from the date of payroll service registration, and maintain this arrangement
until Free Spending Credit is credited by Card Company; and
have not registered for and/or taken up BOCHK’s Payroll Service within the period from 1 January
2016 to 31 March 2016.
Details of Payroll Service Rewards are as follows:
i. Welcome Reward
The amount of Free Spending Credit for Welcome Reward received by the Eligible Civil Servant of
Payroll Service will be determined by the amount of first monthly salary received through the Payroll
Account and the categories of customers. For details, please refer to following table.
Monthly Salary Free Spending Credit
(Enrich Banking customers)
HK$60,000 or above HK$1,200
HK$20,000 - HK$59,999 HK$600
HK$10,000 - HK$19,999 HK$300
Free Spending Credit for Welcome Reward will be credited to the valid BOC Credit Card Accounts
held by the Eligible Civil Servant of Payroll Service on or before 28 July 2017. The Eligible Civil
Servant of Payroll Service should still receive salary via the Payroll Account when Free Spending
Credit for Welcome Reward is credited by the Card Company.
ii. Extra Payroll Loyalty Reward
To enjoy Free Spending Credit for Extra Payroll Loyalty Reward, Eligible Civil Servant of Payroll
Service should receive salary through the Treasury credited to the Payroll Account by “electronic
payroll arrangement” from the first payroll month and maintain this arrangement until Free Spending
Credit is credited by the Card Company, and still holding the Enrich Banking Integrated Banking
Service. For details, please refer to following table.
Monthly Salary Free Spending Credit
(Enrich Banking customers)
HK$10,000 or above HK$300
Free Spending Credit for Extra Payroll Loyalty Reward will be credited to the valid BOC Credit Card
Accounts held by the Eligible Civil Servant of Payroll Service on or before 31 October 2017.
“Salary” refers to the basic monthly salary (excluding commission, bonus, double pay, repayment and/
or other funds) of which the amount should reach HK$10,000 or above.
“Electronic payroll arrangement” refers to the employer crediting the customer’s salary to customer’s
Payroll Account through BOCHK’s or other banks’ payroll system. Standing instruction, overseas
remittance, local electronic transfer, cheque or cash deposit will not be considered as “electronic payroll
arrangement”.
BOCHK reserves the absolute right to define the terms of “salary”, “electronic payroll arrangement” and
“single standing instruction”.
Each Eligible Civil Servant of Payroll Service can enjoy this offer once only. If an Eligible Civil Servant
of Payroll Service registers for more than one Payroll Account within the Promotion Period, the Eligible
Civil Servant of Payroll Service can only enjoy the offer once.
If the Payroll Account is a joint account, the holders of such account will be considered as one customer
and only one of the account holders will be entitled to this offer.
If an Eligible Civil Servant of Payroll Service does not maintain any valid BOC Credit Card when the
Free Spending Credit is credited by the Card Company, BOCHK will credit cash of equivalent value to
his/her non-Dormant HKD Savings Account or HKD Current Account without prior notice.
The above offers are not applicable to staff of BOCHK and its subsidiaries.
c. Payment Service Reward of HK$100:
Eligible Customers of Payroll Service/ Eligible Civil Servant of Payroll Service shall (i) set up the
Direct Debit Authorisation ( “DDA” ) instruction(s) with Savings or Current Account of BOCHK during
the Promotion Period (including but not limited to payments for utility bills, payment for BOC Credit
Card or other merchants bills); (ii) conduct at least one transaction under such DDA instruction on or
before 30 November 2016; AND (iii) not have any DDA instruction set up on 31 March 2016 ( “Eligible
Customers of DDA Instruction” ). HK$100 Free Spending Credit will be credited to the valid BOC
Credit Card Accounts held by the Eligible Customers of DDA Instruction on or before 28 February
2017.
If the Eligible Customer of DDA Instruction sets up DDA instruction(s) under a joint account, the
holders of such account will be considered as one customer and only one of the account holders will
be entitled to this offer.
If Payroll Service is registered under joint-name, the DDA instructions should be under the same
joint-name Savings or Current Account.
The set up dates/ transaction dates of the DDA instructions shall be based on the record of BOCHK.
The above offers are not applicable to the staff of the Bank and its subsidiaries.
d. Securities Service Rewards of HK$100:
Eligible Customers of Payroll Service / Eligible Civil Servant of Payroll Service who successfully open
new sole-name / joint-name securities accounts (including Securities Margin Trading Account but
excluding Family Securities Accounts) ( “New Securities Accounts” ) with BOCHK during the
Promotion Period and do not have any securities account with BOCHK within 6 months preceding
the date of New Securities Accounts opening, and conduct buying transactions of securities listed on
the Hong Kong Exchange and Clearing Limited (“HKEx”) and settled in HKD or RMB (exclude
Monthly Stocks Savings Plan and IPO subscription) or securities listed on Shanghai Stock Exchange
(“SSE”) via Internet Banking, Mobile Banking or Automated Stock Trading Hotline of BOCHK through
the New Securities Accounts within the first 3 months starting from the date of New Securities
Accounts opening (3-month period is calculated on the basis of 90 days with the 90th day, Saturdays,
Sundays and public holidays included) can enjoy an extra HK$100 Free Spending Credit. Free
Spending Credit will be credited to the valid BOC Credit Card Accounts held by the Eligible
Customers of Payroll Service / Eligible Civil Servant of Payroll Service on or before 28 February
2017.
If Payroll Service is registered under joint-name, the securities account should be opened under the
same joint-name.
The above offers are not applicable to the staff of the Bank and its subsidiaries.
4. Total Relationship Balance Growth Reward (“TRB Growth Reward”):
Customers who fulfil the following requirements (“TRB Growth Reward Eligible Customers”) can be entitled
to the TRB Growth Reward:
Newly take up or upgrade to Enrich Banking
(applicable to sole-name account only) during the
period from 3 May 2016 to 30 June 2016 (both
dates inclusive)
or
Newly take up or upgrade to Enrich Banking
(applicable to sole-name account only) during the
period from 1 July 2016 to 31 July 2016 (both dates
inclusive)
i. Have not taken up or cancelled Enrich
Banking / Wealth Management in sole-name
with BOCHK during the period from 1 January
2016 to 31 Mar 2016; and
i. Have not taken up or cancelled Enrich Banking /
Wealth Management in sole-name with BOCHK
during the period from 1 February 2016 to 30
April 2016; and
ii. Fulfil the “Total Relationship Balance” of
Enrich Banking (i.e. HK$200,000) in July
2016; and
ii. Fulfil the “Total Relationship Balance” of Enrich
Banking (i.e. HK$200,000) in August 2016; and
iii. The growth of the “Total Relationship
Balance” reaches following amount when
comparing the Total Relationship Balance” of
July 2016 and March 2016
“Total Relationship Balance”
Growth Amount
Free Spending
Credit
HK$500,000 or above HK$500
HK$200,000 –
Below HK$500,000 HK$200
iii. The growth of the “Total Relationship Balance”
reaches following amount when comparing the
Total Relationship Balance” of August 2016 and
April 2016
“Total Relationship Balance”
Growth Amount
Free Spending
Credit
HK$500,000 or above HK$500
HK$200,000 –
Below HK$500,000 HK$200
Each TRB Growth Reward Eligible Customer can enjoy this offer once only during the Promotion Period.
Free Spending Credit will be credited to the valid BOC Credit Card Account of TRB Growth Reward Eligible
Customers on or before 31 October 2016 if TRB Growth Reward Eligible Customers newly take up or
upgrade to Enrich Banking during the period from 3 May 2016 to30 June 2016 (both dates inclusive). Free
Spending Credit will be credited to the valid BOC Credit Card Account of TRB Growth Reward Eligible
Customers on or before 31 December 2016 if TRB Growth Reward Eligible Customers newly take up or
upgrade to Enrich Banking during the period from 1 July 2016 to 31 July 2016.
TRB Growth Reward Eligible Customers should still maintain that Integrated Account Service or Integrated
Account Service with higher “Total Relationship Balance” requirement when Free Spending Credit is
credited. Otherwise, the reward will be forfeited.
TRB Growth Reward is limited and available on a first-come first-served basis while quota lasts.
5. Credit Card Welcome Offer:
a. Credit Card Welcome Offer of HK$400 for New Credit Card customers:
To be eligible for the Credit Card Welcome Offer, Customers with BOC Payroll Account (“Eligible New
Credit Card Customers”) are required to successfully apply for Enrich Banking World MasterCard during
the Promotion Period.
Successful Enrich Banking World MasterCard applicants, who select “HK$400 Free Spending Credit” as
the welcome offer, are required to accumulate spending of HK$2,000 or above in retail spending/cash
advance/Cash Before Card/posted amount of merchant installment program (“Spending”) (online Bill
Payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such
other transaction types designated by the Card Company from time to time are excluded) within the first
two months of card issuance in order to be eligible for the welcome offer.
Should the main cardholders have successfully applied for additional cards at the same time, the
accumulated spending of each additional card should reach HK$2,000 or above in retail spending/cash
advance/Cash Before Card/posted amount of merchant installment program (“Spending”) (online Bill
Payment, Octopus Automatic Add Value Service, unposted repayment of cash installment plan and such
other transaction types designated by the Card Company from time to time are excluded) in the HKD
Credit Card account within the first two months of card issuance in order to enjoy “25,000 Gift Points” for
main cardholders. Each main cardholder can enjoy a maximum of 225,000 Gift Points from additional
cards. (Each main cardholder can apply for a maximum of 9 additional cards).
If Eligible New Credit Card customers successfully apply for Enrich Banking World MasterCard during the
period from 3 May 2016 to 30 June 2016, while they are existing main cardholders of BOC Credit Card
and/or BOC CUP Dual Currency Credit Card (Additional Card, Business Card, Commercial Card,
Purchasing Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit
Card issued in Macau SAR, Private Label Card and BOC Express Cash Revolving Credit are all excluded),
or have cancelled the above cards or were once cardholders of the above cards on or after 1 July 2015 not
be entitled to the welcome offer for main cardholders upon approval of application.
If Eligible New Credit Card customers successfully apply for Enrich Banking World MasterCard during the
period from 1 July 2016 to 31 July 2016, while they are existing main cardholders of BOC Credit Card
and/or BOC CUP Dual Currency Credit Card (Additional Card, Business Card, Commercial Card,
Purchasing Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit
Card issued in Macau SAR, Private Label Card and BOC Express Cash Revolving Credit are all excluded),
or have cancelled the above cards or were once cardholders of the above cards on or after 1 January 2016
not be entitled to the welcome offer for main cardholders upon approval of application.
If the additional card applicant successfully apply for the additional card of Enrich Banking World
MasterCard during the period from 3 May 2016 to 30 June 2016, while he/she currently holds BOC Credit
Card and/or BOC CUP Dual Currency Credit Card (including main card or additional card), or has
cancelled any such card or once held any such card on or after 1 July 2015, the main cardholder will not be
entitled to welcome offer for the additional card upon approval of the additional card application.
If the additional card applicant successfully apply for the additional card of Enrich Banking World
MasterCard during the period from 1 July 2016 to 31 July 2016, while he/she currently holds BOC Credit
Card and/or BOC CUP Dual Currency Credit Card (including main card or additional card), or has
cancelled any such card or once held any such card on or after 1 January 2016, the main cardholder will
not be entitled to welcome offer for the additional card upon approval of the additional card application.
Free Spending Credit will be credited to main cardholders’ accounts within 4 to 6 weeks after all Spending
requirements (if applicable) are fulfilled. Customers should still maintain a valid Payroll Account and the
status of the relevant credit card account must be normal, valid and in good credit condition at the time of
crediting Free Spending Credit.
If a cardholder has made multiple redemptions or the relevant transaction to fulfill the spending
requirement has been cancelled for whatever reason, the Card Company reserves the right to debit
from the cardholder’s account the amount equivalent to the cost of the welcome offer (the cost of
“HK$400 Free Spending Credit” is HK$400) without prior notice.
Free Spending Credit is meant exclusively for retail purchase and cannot be used for cash advance,
settlement of financial charge or any previous outstanding balance accrued before the Free Spending
Credit is credited.
Free Spending Credit cannot be converted into cash or exchanged for other gifts and is also not
refundable and transferrable.
If a new cardholder cancels the main credit card account within 12 months after card issuance, the
Card Company reserves the right to debit an administration fee of HK$3,800 for Enrich Banking
World MasterCard against his/her credit card account without prior notice.
Should two or more BOC Credit Cards and/or BOC CUP Dual Currency Credit Cards be successfully
approved within the Promotion Period, the cardholder will be entitled to one gift only and the gift will be that
for the highest tier of credit card approved (the credit card tier in descending order is Visa Infinite Card,
CUP Dual Currency Diamond Card, World MasterCard, Visa Signature Card, Platinum Card, Titanium
Card and Classic Card). If the credit cards are not applied at the same time, the gift for the credit card first
approved will be offered.
The Card Company reserves the right to change, suspend or terminate the welcome offers, and to amend
the relevant terms and conditions at its sole discretion without prior notice.
In case of any dispute(s), the decision of the Card Company shall be final.
For the offer details of Enrich Banking World MasterCard, please visit www.boci.com.hk.
b. Extra HK$100 Rewards of Credit Card
During the Promotion Period, the Credit card welcome offer of an extra HK$100 Free Spending Credit is
only applicable to customers who newly take up/upgrade to Enrich Banking and are accepted by the Card
Company as a main cardholder of an Enrich Banking World MasterCard respectively and having fulfilled a
spending requirement on the Enrich Banking World MasterCard for an accumulative value of or over
HK$2,000 in the first two months from card issuance (“Credit Card Extra Welcome Offer Eligible
Customers”) in order to be eligible for the Extra HK$100 free spending credit (“Extra HK$100 credit card
spending credit"). Only spending in retail purchase/cash advance/Cash Before Card/posted amount of
merchant installment program will be accepted as the stipulated spending requirement (“Spending”)
whereas online bill payment, Octopus Automatic Add Value Service, unposted repayment of cash
installment plan and such other transaction types as may be designated by the Card Company from time to
time are all not acceptable.
For customers who successfully apply for the main card of Enrich Banking World MasterCard during the
period of 3 May 2016 and 30 June 2016 (both dates inclusive):
i. The extra HK$100 credit card spending credit will be credited to the valid Enrich Banking World
MasterCard accounts held by the Credit Card Extra Welcome Offer Eligible Customer on or before 31
October 2016.
ii. Applicants who are existing main cardholder of Enrich Banking World MasterCard or have cancelled
the above cards or were once holders of the above cards on or after 1 July 2015 will not be entitled to
the Extra HK$100 credit card spending credit for main cardholders upon approval of application.
For customers who successfully apply for the main card of Enrich Banking World MasterCard during the
period of 1 July 2016 and 31 July 2016 (both dates inclusive):
i. The extra HK$100 credit card spending credit will be credited to the valid Enrich Banking World
MasterCard accounts held by the Credit Card Extra Welcome Offer Eligible Customer on or before 30
November 2016.
iii. Applicants who are existing main cardholder of Enrich Banking World MasterCard or have cancelled
the above cards or were once holders of the above cards on or after 1 January 2016 will not be entitled
to the Extra HK$100 credit card spending credit for main cardholders upon approval of application.
Each Credit Card Extra Welcome Offer Eligible Customer can only enjoy this offer once and cannot be
used in conjunction with other Extra HK$100 credit card spending credit promoted by BOCHK in other
products.
Credit Card Extra Welcome Offer Eligible Customer should still maintain the valid Enrich Banking World
MasterCard and Enrich Banking Integrated Banking Service when the Extra HK$100 credit card spending
credit is credited by the Card Company. Otherwise, the relevant offer will be forfeited and no other offer will
be rewarded in its place.
Extra HK$100 credit card spending credit is meant exclusively for retail purchase and cannot be used for
cash advance, settlement of financial charge or any previous outstanding balance accrued before the
Extra HK$100 credit card spending credit is credited.
Extra HK$100 credit card spending credit cannot be converted into cash or exchanged for other gifts and is
also not refundable and transferrable.
The status of the credit card accounts held by the Credit Card Extra Welcome Offer Eligible Customer
should be normal, valid and in good standing, and such accounts should not have breached the Card User
Agreement when the Extra HK$100 credit card spending credit is credited by the Card Company. If the
Credit Card Extra Welcome Offer Eligible Customers cannot fulfill the above requirements, BOCHK and
the Card Company reserve the right to forfeit the relevant offer without prior notice.
6. HKD/ USD Time Deposit Reward:
• Customers who fulfil the following requirements (“Eligible HKD/ USD Time Deposit Reward Customers”)
can enjoy HKD/USD Time Deposit Reward of up to HK$1,000 BOC Credit Card Free Spending Credit
(“Free Spending Credit”):
(i) Newly take up or upgrade to Enrich Banking (applicable to sole-name account only) during the
Promotion Period and have not taken up or cancelled Wealth Management/ Enrich Banking in
sole-name with BOCHK within 3 months prior to or on 31 March 2016; and
(ii) Place designated amount of HKD or USD time deposit via any branch of BOCHK for 1 month at
0.01% p.a. interest rate with new funds during the Promotion Period (“Eligible HKD/ USD Time
Deposit”); and
(iii) Newly applied/ already have BOC credit card; and
(iv) Required HKD/ USD Time Deposit Amount is as below:
HKD/ USD Time Deposit Amount Free Spending
Credit HKD USD
HK$1,000,000 or above US$125,000 or above HK$1,000
HK$800,000 - below HK$1,000,000 US$100,000 –below US$125,000 HK$800
HK$600,000 - below HK$800,000 US$75,000 –below US$100,000 HK$600
HK$400,000 - below HK$600,000 US$50,000 –below US$75,000 HK$400
HK$200,000 - below HK$400,000 US$25,000 –below US$50,000 HK$200
• Each Eligible HKD/ USD Time Deposit Reward Customer can only get up to maximum HK$1,000 Free
Spending Credit during the Promotion Period.
• Funds that are deposited via cashier's order/cheques and transfers / remittance from banks within BOCHK
Group will not be considered as new funds. For details of the definition of “new funds”, please contact
BOCHK's staff. In case of disputes, BOCHK has the sole discretion to determine the definition of “new
funds”.
• Eligible HKD/ USD Time Deposit Reward Customers should still have valid BOC credit card maintain that
Integrated Account Service or Integrated Account Service with higher “Total Relationship Balance”
requirement when Free Spending Credit is credited by the Card Company. Otherwise, the reward will be
forfeited.
• Free Spending Credit will be credited to the Eligible Time Deposit Reward Customers’ BOC Credit Card on
or before 31 October 2016 if Eligible HKD/ USD Time Deposit is placed within the period from 3 May 2016
to 30 June 2016 (both dates inclusive). Free Spending Credit will be credited to the Eligible Time Deposit
Reward Customers’ BOC Credit Card on or before 31 December 2016 if Eligible HKD/ USD Time Deposit
is placed within the period from 1 July to 31 July 2016 (both dates inclusive).
• If Eligible HKD/ USD Time Deposit Reward Customer uplift his/her Eligible Time Deposit before maturity,
the reward will be forfeited.
• HKD/ USD Time Deposit transaction amount is subject to BOCHK’s record.
• HKD/ USD Time Deposit Reward is limited and available on a first-come-first-served basis while quota
lasts.
7. Deposit Securities Offer:
This offer is only eligible to customers who successfully deposit securities settled in HKD or RMB and
listed on Hong Kong Exchange and Clearing Limited (“HKEx”) or Shanghai Stock Exchange (“SSE”)
(excluding Ministry of Finance of the PRC CNY Bonds and The Government of the HKSAR of the PRC
iBonds / The Hong Kong Monetary Authority iBonds) into BOCHK’s securities accounts via Central
Clearing and Settlement System (CCASS) (physical scrip is not included) (securities transferred from
Nanyang Commercial Bank Limited and Chiyu Banking Corporation Limited is not included) (“Eligible
Securities”) between 1 April 2016 to 31 July 2016 (both dates inclusive)(“Promotion Period”).
Customer who deposit Eligible Securities with designated market value during the Promotion Period
(“Eligible Deposit Securities Customers”) can be entitled to the following reward:
Market Value of Eligible Securities
Deposited
Free Spending Credit
HK$500,000 or above HK$2,000
HK$100,000 - Below HK$500,000 HK$1,000
The market value of Eligible Securities is calculated on the basis of the closing price on the day of
depositing the securities by Eligible Deposit Securities Customers. If the closing price of Eligible Securities
cannot be determined on the day of deposit, the final price used for calculating the market value will be
determined by BOCHK at its sole discretion. This offer is not applicable to customers who withdraw
Eligible Securities (via CCASS or by physical scrip) from their related securities accounts
maintained with BOCHK during the Promotion Period.
The market value of Eligible Securities and brokerage fee settled in RMB will be converted into HKD at the
exchange rate determined by BOCHK.
Each customer will only be entitled to the above offer once. If the Eligible Deposit Securities Customer
opens more than one securities account during the Promotion Period, he/she will only be entitled to the
above offer once. If the account is a joint securities account, the holders of such account will be considered
as one customer.
To be entitled to the offer, Eligible Deposit Securities Customers must hold a valid BOC Credit
Card. Otherwise, the offer will be forfeited and will not be entitled to any award in any other format.
If Eligible Deposit Securities Customer is a joint securities account holder, any one of the joint securities
account holder must hold a valid BOC Credit Card. BOCHK will credit cash of equivalent value to the
settlement account of the joint securities account. If the joint securities account holds more than one
settlement account, BOCHK has the discretion to credit the rewards to any one of the settlement accounts.
Free Spending Credit will be credited to the valid BOC Credit Card Account of Eligible Deposit Securities
Customers on or before 31 October 2016.
8. BOC Credit Card Free Spending Credit
Free Spending Credit is meant exclusively for retail purchase and cannot be used for cash advance,
settlement of financial charge or any previous outstanding balance accrued before the Free Spending
Credit is credited.
Free Spending Credit cannot be converted into cash or exchanged for other gifts or coupons and is also
not refundable and transferrable.
If customers hold more than one BOC Credit Card, the Free Spending Credit will be credited to the highest
tier BOC Credit Card Account (the credit card tier in descending order is Visa Infinite Card, CUP Dual
Currency Diamond Card, World Master Card, Visa Signature Card, Platinum Card, Titanium Card, Gold
Card and Classic Card).
The status of the credit card accounts held by the customers should be normal, valid and in good standing,
and such accounts should not have overdue/bad records, nor have they been cancelled/terminated for any
reason, and the customers should not have breached the Card User Agreement when the Free Spending
Credit is credited by the Card Company. If the customers cannot fulfil the above requirements, BOCHK
and the Card Company reserve the right to forfeit the relevant offer without prior notice.
9. Portable Luggage Scale:
Customers who newly take up or upgrade to Enrich Banking (applicable to sole-name account only)
(“Eligible New Customers”) via BOCHK’s branch during the Promotion Period will be instantly rewarded
with a Portable Luggage Scale (“The Gift”).
For customers who upgrade to Enrich Banking (applicable to sole-name account only) (“Eligible New
Customers”) via Internet Banking or Invitation Email (applicable to Selected Customers only) during the
Promotion Period, BOCHK will send the Gift redemption letter by mail to the Eligible New Customers in
accordance with the correspondence address record of BOCHK on or before 30 September 2016. Eligible
New Customers are required to maintain valid Enrich Banking/ Wealth Management service at the time
when the Gift redemption letter is sent out by BOCHK. Otherwise, the offer will be forfeited.
The Gift is not applicable to customers who have taken up or cancelled Wealth Management / Enrich
Banking in sole-name with BOCHK during the period from 1 January 2016 to 30 April 2016.
Each Eligible New customer can be rewarded with the Gift once only during the entire Promotion Period.
The above Gift is limited and available on a first-come-first-serve basis while stock lasts.
If the above Gift is out of stocks, BOCHK reserves the right to offer an alternative gift/coupon as a
replacement. The value and feature of the alternative gift/coupon might be different from the original Gift.
The above Gift cannot be transferred, returned, exchanged for other gift/coupons or redeemed for cash.
The usage of the above Gift is subject to the terms as specified by the supplier(s). BOCHK is not the
supplier of the Gift. Any enquiry or complaint in respect of the Gift should be directed to the relevant
supplier(s). BOCHK gives no guarantee to the Gift or the services of the supplier(s), or does not accept
any liability arising in conjunction with the use of Gift or services provided by the supplier(s).
BOCHK will not re-send or replace the Gift / Redemption Letter under any circumstances and will not be
accountable for any liabilities.
10. Grand Lucky Draw:
During the Promotion Period, customers who newly take up or upgrade to Wealth Management / Enrich
Banking (applicable to sole-name account only) or Existing Wealth Management / Enrich Banking
(applicable to sole-name account only) complete any one of the following designated transactions
(“Eligible Transactions”) can automatically enter into Lucky Draw while registration is not required. The
lucky draw chance for each Eligible Transaction is listed below. If customers complete more than one
Eligible Transaction, additional lucky draw chances will be granted. There is no limit on the number of
Lucky Draw chance.
Eligible Transactions Number of Lucky Draw Chance
Banking Service Newly take up / upgrade to Wealth
Management / Enrich Banking
1
Payroll Newly register for Payroll service and receive
salary* via payroll account^
10
(applicable to Civil Servants)
5
(applicable to General Customers)
Credit Card Successfully apply for Wealth Management
Visa Infinite Card / Enrich Banking World
MasterCard
1
Time Deposit Place Time Deposit with New Fund 1
Investment Deposit HK Stocks or Shanghai A Shares 1
^ Civil Servant / General Customers should maintain a valid HKD Savings Account or HKD Current
Account (including sole-name or joint-name accounts) (“Payroll Account”) with BOCHK and register for
Payroll Service via any branch, Phone Banking or Internet Banking or BOCHK during the Promotion
Period. For the definition of Civil Servant, please refer to Clause (3b).
* Means of receiving salary includes “electronic payroll arrangement” or newly set up “single standing
instruction” (not including the standing instruction originating from BOCHK and Chiyu Banking
Corporation Limited) via Payroll Account while “Salary” refers to the basic monthly salary (excluding
commission, bonus, double pay, repayment and / or other funds) of which the amount should reach
HK$10,000 or above.
The Lucky Draw Prize is HK$10,000 Free Spending Credit and there will be 20 customers receiving the
Lucky Draw Prize.
BOCHK will base on customers’ account record to determine the number of lucky draw chance and the
Lucky Draw will be randomly executed by BOCHK’s computer system in August 2016. The result of the
Lucky Draw will be announced on BOCHK’s website at www.bochk.com on 5 September 2016 and the
entitled customers will be notified by phone.
The free spending credit will be credited to the entitled customers’ valid BOC Credit Card account by 31
October 2016.
Customers have to maintain the related Integrated Account Service or an Integrated Account Service with
higher “Total Relationship Balance” requirement when crediting the Free Spending Credit, or else the
relevant reward will be forfeited.
In the interest of fairness, the Lucky Draw is not applicable to BOCHK Staff.
11. Travel Upgrade Reward:
Customers who fulfil the following requirements (“Travel Upgrade Reward Eligible Customers”) can enjoy
the Travel Upgrade Reward which value up to HK$2,388:
i. Newly take up / upgrade / have already taken up Enrich Banking Integrate Account Service as of 31
July 2016; and
ii. Fulfil requirement of any 3 or more of the following designated services/ transactions from 18 January
2016 to 31 July 2016 (both dates inclusive):
a. HKD/ USD Time Deposit:
- Successfully open 1-month or above HKD/ USD Time Deposit with new funds of accumulated
amount of HK$200,000 or above/ US$25,000 or above with BOCHK;
- Funds that are deposited via cashier's order / cheques and transfers / remittance from banks
within BOCHK Group will not be considered as new funds. For details of the definition of “new
funds”, please contact BOCHK's staff. In case of disputes, BOCHK has the sole discretion to
determine the definition of “new funds”;
b. Monthly Savings Plan (Deposits/Stocks/Fund):
- Newly setup Monthly Savings Plan (Deposits/Stocks/Fund), settle the first contribution payment
successfully on or before 31 July 2016 with monthly contribution of HK$5,000 or more equivalent
(For each Monthly Saving Plan), and make consecutive contribution for at least 3 months (if
customer failed to make consecutive contribution for at least 3 months, BOCHK reserves the
right to forfeit the relevant offer without prior notice):
Monthly Deposits Savings Plan - Club Deposit Account: Successfully set up new HKD/RMB
Monthly Deposits Savings Plan - Club Deposit via BOCHK; or
Monthly Stocks Savings Plan: Newly setup Monthly Stocks Savings Plan through a BOCHK
Securities Account (including Family Securities Account); or
Monthly Funds Savings Plan: Newly setup Monthly Fund Savings Plan via BOCHK
c. Insurance
- Enroll in “BOC Worldwide Medical Insurance Plan” or “BOC Family Medical Insurance Plan” and
fulfil the following requirements: (i) the Annual Premium should reach HK$5,000 or above; and
(ii)submit the duly completed and signed application form(s) together with the other required
documents to Bank of China Group Insurance Company Limited (“BOCG Insurance”) during the
period from 18 January 2016 to 31 July 2016 (both dates inclusive); and (iii) the Annual Premium
should be paid in full on or before 31 July 2016 (late payment is not accepted); and (iv) the
policy(ies) should be effective on or before 31 July 2016;
- For the details of the “BOC Worldwide Medical Insurance Plan” and “BOC Family Medical
Insurance Plan”, please contact BOCHK branch staff;
d. Payroll Service:
- Customers should maintain a valid HKD Savings Account or HKD Current Account (including
sole-name or joint-name accounts) (“Payroll Account”) with BOCHK and register for Payroll
Service via any branch, Phone Banking or Internet Banking of BOCHK during the period from 18
January 2016 to 31 July 2016 (both dates inclusive); and
- Start receiving salary by “electronic payroll arrangement” or newly set up “single standing
instruction” (not including the standing instruction originating from BOCHK and Chiyu Banking
Corporation Limited) via Payroll Account from the date of payroll service registration;
- “Salary” refers to the basic monthly salary (excluding commission, bonus, double pay, repayment
and/ or other funds) of which the amount should reach HK$10,000 or above.
e. Securities Services:
- Successfully open new Securities Account (including Securities Margin Trading Account) and do
not have any securities account with BOCHK within 6 months preceding the date of New
Securities Accounts opening, and conduct buying/ selling transactions of securities listed on the
Hong Kong Exchange and Clearing Limited (“HKEx”) and settled in HKD or RMB (exclude
Monthly Stocks Savings Plan and IPO subscription) or securities listed on Shanghai Stock
Exchange (“SSE”) via the new Securities Account, with accumulated transaction amount of
HK$200,000 equivalent or above; or
- Successfully open new Family Securities Account and do not have any Family Securities
Account with BOCHK within 6 months preceding the date of New Family Securities Accounts
opening, and conduct buying/ selling transactions of securities listed on the HKEx and settled in
HKD or RMB (exclude Monthly Stocks Savings Plan and IPO subscription) or securities listed on
SSE via the new Family Securities Account, with accumulated transaction amount of
HK$200,000 equivalent or above;
f. Fund:
- Conduct lump-sum subscription or fund switching between different fund houses through a
same-name fund account (sole-name / joint-name account) (excluding Money Market funds,
switching between the same fund house) with subscription amount of HK$200,000 equivalent or
above;
- For transactions denominated in foreign currencies, the relevant transaction amount will be
converted into Hong Kong Dollar on the basis of the prevailing exchange rate quoted by BOCHK
at the close of the transaction day. BOCHK reserves the right to change the calculation method
of transaction amount at its sole discretion;
g. Foreign Exchange:
- Conduct foreign currency exchange transaction at the telegraphic transfer rate through
same-name Multi-Currency Savings Account and with accumulated exchange amount of
HK$200,000 or above. For transactions denominated in foreign currencies, the relevant
transaction amount will be converted into Hong Kong dollars on the basis of the prevailing
exchange rate quoted by BOCHK at the close of business on the transaction day. BOCHK
reserves the right to change the calculation method of transaction amount at its sole discretion;
h. Mortgage:
- Submit application for new property mortgage loan / property mortgage refinancing loan /
mortgage further advance / re-mortgage loan (“Property Mortgage Loan”) to BOCHK during the
period from 18 January 2016 to 30 June 2016 (both dates inclusive), and successfully drawdown
Property Mortgage Loan with loan amount of HK$2,000,000 or above on or before 30 September
2016;
- If the borrower of the Property Mortgage Loan is a joint account, the related sole-name accounts
are also considered as fulfilling this requirement.
Number of designated services/ transactions
which requirements have been successfully
fulfilled
Travel Upgrade Reward
3 Free Airport Lounge Service (“Gift”) for 2
(Total approximate value of HK$700)
4 or above Free Airport Lounge Service (“Gift”) for 3 and
HK$1,338 BOC Credit Card Free Spending Credit
(Total approximate value of HK$2,388)
Each Travel Upgrade Reward Eligible Customer can enjoy this offer once only.
If the Travel Upgrade Reward Eligible Customer is a joint account, the holders of such account will be
considered as one customer and only one of the account holders will be entitled to Travel Upgrade Reward.
BOCHK reserves the right to grant the Travel Upgrade Reward to any one of the joint-account holders.
If Travel Upgrade Reward Eligible Customers submit application for new Property Mortgage Loan to BOCHK
on or before 30 June 2016, the Gift will be delivered by mail to the Travel Upgrade Reward Eligible Customers
on or before 31 December 2016 in accordance with the correspondence address record of BOCHK; otherwise,
the Gift will be delivered by mail to the Travel Upgrade Reward Eligible Customers on or before 31 October
2016 in accordance with the correspondence address record of BOCHK.
If Travel Upgrade Reward Eligible Customers submit application for new Property Mortgage Loan to BOCHK
on or before 30 June 2016, Free Spending Credit will be credited to the valid BOC Credit Card of Travel
Upgrade Reward Eligible Customers on or before 31 December 2016; otherwise, Free Spending Credit will be
credited to the valid BOC Credit Card of Travel Upgrade Reward Eligible Customers on or before 31 October
2016.
If the Travel Upgrade Reward Eligible Customer is a sole-name account customer aged 18 or above, BOCHK
will provide the reward in the form of Free Spending Credit which will be credited into the customer’s valid BOC
Credit Card account; if the Travel Upgrade Reward Eligible Customer is joint-name account customer or
sole-name customer aged between 11 and 17, BOCHK will credit cash of equivalent value to settlement
account of the aforesaid customer’s Integrated Account Service settlement account without prior notice.
Travel Upgrade Reward Eligible Customers have to maintain the related Integrated Account Service or an
Integrated Account Service with higher “Total Relationship Balance” requirement when crediting the Free
Spending Credit or cash, or else the relevant reward will be forfeited.
Travel Upgrade Reward is limited and available on a first-come first-served basis while quota lasts.
12. Foreign Exchange Offer:
The promotion period is from 3 May 2016 to 31 July 2016 (both dates inclusive) (“Foreign Exchange
Promotion Period”).
To be eligible for up to 60 pips Foreign Exchange Offer, customer should convert HKD to the Designated
Currencies (or vice versa, if applicable) at telegraphic transfer exchange rate under the account of the
same account holder of the Enrich Banking service. (If Enrich Banking service is signed up in joint-name,
the transactions should be conducted under the same joint-name). The table below sets out the details of
the offer:
Designated Currencies Exchange Offer
EUR 60 pips
AUD, JPY 20 pips
Customers can conduct foreign currency exchange at any branch or via Manned Phone Banking Services,
Automated Phone Banking Services, Internet Banking or Mobile Banking of BOCHK.
The offer is not applicable to foreign currency banknotes exchange and transactions through “Corporate
Banking Services Online”.
BOCHK reserves the right to change the foreign exchange offer at any time at its sole discretion without
prior notice.
13. Universal Travel Insurance Offer:
From 3 May 2016 to 30 June 2016 (both dates inclusive) (“Universal Travel Insurance Promotion Period”),
Wealth Management / Enrich Banking customers can enjoy following privileges:
Enrolment Channels Annual Travel Plan
Premium Discount
Single Travel Plan
Premium Discount
BOCHK Mobile Application Not Applicable 20% off
Phone Banking or Branch 50% off 20% off
(a) Up to 50% discount on the first year premium of Annual Travel Plan with extra 5,000 BOC Credit Card
Reward Gift Points
- During the Universal Travel Insurance Promotion Period, Wealth Management / Enrich Banking
customers can enjoy 50% discount on the first year premium upon successful enrolment in
Universal Travel Insurance (Annual Travel Plan) via Phone Banking or branches of BOCHK
(“Eligible Annual Travel Plan Customers”). This offer is only applicable to new policies and it does
not apply to policy renewals or re-applications within 3 months after policy cancellation /
termination of policy renewals.
- BOC Credit Card Rewards Gift Points (“Rewards Gift Points”) offer:
To be eligible for the Reward Gift Points, the Eligible Annual Travel Plan Customers should
successfully enrol in Universal Travel Insurance (Annual Travel Plan) during Universal
Travel Insurance Promotion Period, and should register for the Credit Card Direct Debit
Authorisation Service for premium payment of the first policy year and renewal for
“Universal Travel Insurance” (Annual Travel Plan) during the Universal Travel Insurance
Promotion Period. Upon successful registration of the above BOC Credit Card Direct Debit
Authorisation Service, the extra 5,000 Reward Gift Points will be credited by the Card
Company to the BOC Credit Card Accounts of the Eligible Annual Travel Plan Customers
by batch on or before 30 November 2016 without prior notification.
The Reward Gift Points are only applicable to Eligible Annual Travel Plan Customers who
hold valid BOC Credit Cards issued in Hong Kong bearing logo, while customers of
Great Wall International Credit Card, USD Card, BOC Purchasing Card, BOC Prepaid
Card, Private Label Card, Intown Card, BOC Express Cash Card, and customers who
have participated in the cash rebate plan are excluded.
The policies should still be effective at the time of crediting Reward Gift Points to BOC
credit card accounts of the Eligible Annual Travel Plan Customers. Otherwise, the offer will
be forfeited.
If an Eligible Annual Travel Plan Customer holds more than one BOC credit cards, the
Reward Gift Points will be credited to the highest tier BOC credit card account (the credit
card tier in descending order is Visa Infinite Card, Platinum Card, Titanium Card, Gold
Card and Classic Card). If an Eligible Customer holds two BOC credit cards at the same
tier, the Reward Gift Points will be credited to the latest BOC credit card account.
Only Eligible Annual Travel Plan Customers whose credit card accounts are normal, valid
and in good credit standing during the Universal Travel Insurance Promotion Period and at
the time of the Reward Gift Points being credited will be eligible to this offer. In the event of
termination of a credit card account, violation of the Card User Agreement, unsettlement of
overdue payment, or any delinquent records found during the Universal Travel Insurance
Promotion Period or at the time of the Rewards Gift Points being credited, the Reward Gift
Points will not be entitled forthwith.
Rewards Gift Points cannot be redeemed for cash or exchanged for other products or
services, and cannot be transferred. For other terms relating to Reward Gift Points, the
terms contained in the latest issue of “BOC Credit Card Gift Point Catalogue” shall prevail.
(b) 20% premium discount on Single Travel Plan (premium of as low as HK$38 for each person for family
enrolment)
Wealth Management / Enrich Banking customers who successfully enrol in Universal Travel
Insurance (Single Travel Plan) via BOCHK Mobile Application are required to pay the premium by
credit card and input the Promotion Code ME604 in order to enjoy 20% premium discount.
Universal Travel Insurance (Single Travel Plan) offers 3 different types of coverage for selection,
including "Diamond Plan", "Gold Plan" and "Silver Plan". For details, please refer to the relevant
promotion material or contact BOCHK branch staff.
During Universal Travel Insurance Promotion Period, if a family (refers to legally married couple
with the legally dependent unmarried child(ren) who is (are) 6 weeks to 17 years old) successfully
enrol in the “Silver Plan” of “Universal Travel Insurance” (Single Travel Plan) via BOCHK Mobile
Application, the premium for a family of 4 members for 4-day coverage in "Area 1" is only HK$38
per person (HK$191 x 80% ÷ 4 insured persons). The above calculation is for reference only.
Discounted premium is rounded up to an integer.
The Premium Discount Offer for Universal Travel Insurance is offered by BOCG Insurance while the
Reward Gift Points Offer is provided by the Card Company.
14. BOC Express Cash Revolving Credit:
The promotion period is from 3 May 2016 to 31 December 2016 (both dates inclusive) (the “BOC Express
Cash Revolving Credit Promotion Period”).
Offer applies only to new Enrich Banking customers who have neither maintained a bank account nor used
the Integrated Account Service in a sole or joint name capacity with BOCHK within 3 months prior to the
date of a newly open account.
Customers who successfully apply for the BOC Express Revolving Credit at branch with the gift code “TL”
for a loan amount of HK$20,000 are entitled to the first 12-month interest free offer, the first-12 month
withdrawal fee waiver (including Internet Banking, Mobile Banking, Cash Before Card, ATM withdrawals
and counter withdrawals) and the perpetual annual fee waiver (the “Eligible BOC Express Cash Revolving
Credit Customers”). For a loan amount of HK$20,000, the annualized percentage rate (“APR”) is 0%. The
APR is calculated according to the guidelines laid down in the “Code of Banking Practice”. The APR is an
annualized reference rate that reflects basic interest and other related fees and charges of the banking
product. The above example is calculated based on a number of assumptions and used for reference only.
The offer is only applicable to full-time employees and not applicable for the existing customers of either the
BOC Express Cash Installment Loan or the BOC Express Revolving Credit.
The loan amount cannot be increased within the period of Promotional Interest Rate being applied.
The status of the Eligible BOC Express Cash Revolving Credit Customers’ BOC Express Cash account
must be normal and valid, and without any overdue record or in breach of the terms and conditions of the
BOC Express Cash Card User Agreement; nor can it be cancelled/closed due to any reasons within the
period of Promotional Interest Rate being applied. If customers cannot fulfill the above requirements, Card
Company reserves the right to withhold the promotional interest rate offer without prior notice. In the event
the customers have not made any repayment or have made a repayment of less than the “Minimum
Payment” on or before the specified Due Date on two or more occasions in respect of the last 6
consecutive monthly statements, the Card Company will charge interest on the outstanding
balance carried in the said account at an Overdue Interest Rate which is 4% per annum over and
above the cancelled “First 12 months interest free offer” rate. The subject Promotional Interest Rate
will be cancelled.
The Eligible BOC Express Cash Revolving Credit Customers are required to main the Enrich Banking
service for 6 months from the account opening date. The Card Company reserves its absolute right to
terminate the offer at its sole discretion without prior notice.
General Terms of BOC Express Cash Revolving Credit:
i. BOC Express Cash Revolving Credit is the product of the Card Company. The Card Company is a
member of the BOCHK Group.
ii. BOC Express Cash Revolving Credit is subject to the relevant terms of the “BOC Express Cash” User
Agreement.
iii. Each Eligible BOC Express Cash Revolving Credit Customer can be entitled to the BOC Express Cash
Revolving Credit once only and the offer cannot be used in conjunction with any other offers at the
same time.
iv. The credit rating of each customer must fulfill the requirements of the Card Company. The approved
APR may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan
amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all
subject to the final decision of the Card Company without providing any reason.
v. The Card Company reserves the right to amend, suspend or terminate the above products and offers
to amend the relevant terms at any time at its sole discretion without prior notice.
vi. In case of any dispute, the decision of the Card Company shall be final.
Monthly Service Fee of Wealth Management / Enrich Banking
Wealth Management / Enrich Banking customers who maintain the following designated amount of
"Total Relationship Balance" can enjoy the relevant monthly service fee waiver.
Integrated Account
Service
“Total Relationship
Balance”
Monthly Service Fee Waiver
Wealth Management HK$1,000,000 or above HK$280
Enrich Banking HK$200,000 or above HK$120
The monthly service fee will be debited from the customers’ Integrated Account Services settlement
accounts. If the Monthly Service Fee cannot be successfully debited from the aforementioned
settlement accounts, BOCHK reserves the right to terminate customers’ Integrated Account Services at
its sole discretion. The relevant monthly service fee is subject to the announcement by BOCHK from
time to time. For details of the “Total Relationship Balance”, please contact BOCHK branch staff or visit
www.bochk.com
Notes of General Insurance:
• Universal Travel Insurance, BOC Worldwide Medical Insurance Plan and BOC Family Medical Insurance Plan
(“these Plans”) are underwritten by BOCG Insurance.
• BOCHK is an appointed insurance agent of BOCG Insurance for distribution of these Plans. These Plans are
products of BOCG Insurance but not BOCHK.
• 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 BOCHK and the customer out
of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial
Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of
these Plans should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by Office of the Commissioner of Insurance to carry on general
insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for these Plans based on the
information provided by the insured and applicant at the time of application.
• BOCG Insurance reserves the right to amend or withhold any terms and conditions of these Plans. In case of
any dispute, the decision of BOCG Insurance shall be final.
• These Plans are governed by the terms and conditions in the relevant policy document. Detailed terms and
conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant
policy document for the details of the insured items and coverage, provisions and exclusions.
This promotion material is for reference only and is intended to be distributed in Hong Kong only. Information
contained herein is not and shall not be construed as any offer to sell or a solicitation of an offer or recommendation
to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy
documents and provisions issued by BOCG Insurance for details (including detailed terms, conditions and
exclusions) of the plan. For enquiry, please contact any branch of BOCHK.
General Terms:
The above offers are only applicable to personal banking customers.
Customers can enjoy all the offers listed above simultaneously. However, these offers cannot be used in
conjunction with other promotion offers that are not listed in this promotion material.
The above Gift is limited and available on a first-come-first-serve basis while stock lasts. If the above Gift is
out of stocks, BOCHK reserves the right to offer an alternative gift as a replacement. The value and feature
of the alternative gift might be different from the original Gift.
The above Gift cannot be transferred, returned, exchanged for other gift/coupons or redeemed for cash.
BOCHK will not re-send or replace the Gift that has already been given out under any circumstances. The
usage of the above Gift is subject to the terms as specified by the supplier(s). BOCHK is not the supplier of
the Gift. Any enquiry or complaint in respect of the Gift should be directed to the relevant supplier(s).
BOCHK gives no guarantee to the Gift or the services of the supplier(s), or does not accept any liability
arising in conjunction with the use of Gift or services provided by the supplier(s).
BOCHK reserves the right of approval on the application for any credit facilities and mortgage at its
absolute discretion. BOCHK shall have the right to decide whether to accept / decline any application
taking into consideration of the credit reports of the applicants and any information provided by the
applicants. BOCHK is not obliged to give any reason in case any application is declined. BOCHK also
reserves the right to request further documents from the applicants for the purpose of evaluation if
necessary. The credit facilities and mortgage will be governed by the facility letter signed between the loan
applicants and BOCHK.
BOCHK’s records of the approval date, drawdown date, drawdown amount and designated account for
loan repayment of the loan applications are conclusive.
The above products, services and offers are subject to the relevant terms. For details, please refer to the
relevant promotion materials or contact BOCHK branch staff.
BOCHK, BOCG Insurance and the Card Company reserve the rights to amend, suspend or terminate the
above products, services and offers and to amend the relevant terms at any time at its sole discretion.
Quantity of the offers is limited, while stock lasts.
In case of any dispute, the decision of BOCHK, BOCG Insurance and the Card Company shall be final.
Should there be any discrepancy between the Chinese and English versions of this promotion material, the
Chinese version shall prevail.
Risk Disclosure:
The following risk disclosure statements cannot disclose all the risks involved.
This promotion material does not constitute any offer, solicitation, recommendation, comment or guarantee to the
purchase, subscription or transaction of any investment products or services. You should not rely on the content of
this promotion material for making any investment decision. The investment products or services mentioned in this
promotion material are not equivalent to, nor should it be treated as a substitute for, time deposit. Although
investment may bring profit opportunities, each investment product or service involves potential risks. Due to
dynamic changes in the market, the price movement and volatility of investment products may not be the same as
expected by you. Your fund may increase or reduce due to the purchase or sale of investment products. The value
of Funds may go up as well as down and the Funds may become valueless. Therefore, you may not receive any
return from your investment in Funds. Part of the investment may not be able to liquidate immediately under certain
market situation. Before making any investment decisions, you should consider your own financial situation,
investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the
relevant product. Investment involves risks. Please refer to the relevant fund offering documents for further details
including risk factors. If you have any enquiry on this Risk Disclosure Statement or the nature and risks involved in
trading or funds etc, you should seek advice from independent financial adviser.
1. Risk of Foreign Currency Trading:
Foreign currency investments are subject to exchange rate fluctuations which may provide both opportunities
and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that
customer converts the foreign currency into Hong Kong dollar or other foreign currencies.
2. Risks associated with the Mainland-Hong Kong Mutual Recognition of Funds arrangement:
The Recognised Mainland Funds scheme are subject to an overall quota restriction, its mutual recognition
authorization is not guaranteed, you may encounter uncertainties in the Mainland tax liabilities. These Funds
invest primarily in securities related to the Mainland market. You have to understand its different market
practices and relevant implications. Also, you may be subject to additional concentration risk and the Mainland
market risk, investing in the Mainland may give rise to different risks including political, policy, tax, economic,
foreign exchange, legal, regulatory and liquidity risks.
3. Risk Disclosure of Securities Trading
Risk of Securities Trading
The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and
may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and
selling securities.
Risk of Securities Margin Trading
The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess
of your cash and any other assets deposited as collateral with the licensed or registered person. Market
conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop-limit" orders. You
may be called upon at short notice to make additional margin or interest payments. If the required margin or
interest payments are not made within the prescribed time, your collateral may be liquidated without your
consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your
account. You should therefore carefully consider whether such a financing arrangement is suitable in light of
your own financial position and investment objectives.
4. Risks of trading of listed RMB products:
Investment / Market Risk
Like any investments, RMB equity products are subject to investment risk. The price of the RMB equity products
in the secondary market may move up or down. Losses may incur as a result of investing in the products even if
the RMB appreciates against HKD or other currencies.
Liquidity Risk
Regular trading or an active secondary market may not be developed in RMB equity products. Therefore you
may not be able to sell your investments in the RMB equity products on a timely basis, or you may have to sell
them at a deep discount to their value in order to find a buyer. Also, should the PRC central government
tighten foreign exchange controls, the liquidity of RMB or RMB equity products in Hong Kong will be affected
and you may be exposed to greater liquidity risk.
Currency Risk
If you are a non-Mainland investor who holds a local currency other than RMB, you will be exposed to currency
risk if you invest in RMB equity products. You will incur currency conversion costs, being the spread between
buying and selling of RMB, at the time of conversion between your local currency and RMB for the purchase or
sale of an RMB equity product. Even if the price of the RMB equity products you are holding remains unchanged,
you may not receive the same amount of HKD when you sell the products due to the spread between buying
and selling of RMB. RMB is a restricted currency and is subject to foreign exchange controls. Although the
Central Government of the PRC has relaxed the restrictions by allowing banks in Hong Kong to conduct RMB
business in a specified scope, RMB is still not freely convertible in Hong Kong. You may not be able to convert
RMB at your preferred time and/or in your preferred amount or conversion cannot be made, which may lead to
investment losses. The policies of the Central Government of the PRC on foreign exchange control are subject
to change, and your investment may be adversely affected.
Exchange Rate Risk
RMB equity products that are traded and settled in RMB are exposed to exchange rate risk. The fluctuation in
the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other
foreign currencies. Moreover there is no guarantee that RMB will not depreciate. Any devaluation of RMB could
adversely affect the value of your investment in the RMB equity products. RMB equity products are not an
investment instrument for speculating on RMB/HKD exchange rate movements.
Default Risk & Credit Risk
In general, RMB equity products are exposed to the usual kind of default risks that might be associated with
equity products denominated in other currencies. The performance of RMB equity products is affected by the
underlying business performance and a variety of other factors in connection with the issuers, and is subject to
the credit risks associated with the special profile or special business strategy that the issuers may have.
Emerging Market Risk
RMB equity products associating with the market of the Mainland of China are particularly subject to risks that
may arise from the relevant market/industry/sector and other factors such as change in government policies,
taxation and political development in the Mainland.
RMB Conversion Limitation Risk
RMB investments are subject to exchange rate fluctuations which may provide both opportunities and risks. The
fluctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into
HKD or other foreign currencies. RMB is currently not fully freely convertible. Individual customers can be
offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do
so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at
that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in
advance.
5. Risk of trading A shares via Shanghai-Hong Kong Stock Connect:
Not protected by Investor Compensation Fund
Investors should note that any Northbound trading under Shanghai-Hong Kong Stock Connect will not be
covered by Hong Kong’s Investor Compensation Fund. Also, China Securities Investor Protection Fund will not
protect any Northbound trading as well.
Quotas used up
When the respective aggregate quota balance for Northbound trading is less than the daily quota, the
corresponding buy orders will be suspended on the next trading day (sell orders will still be accepted) until the
aggregate quota balance returns to the daily quota level. Once the daily quota is used up, acceptance of the
corresponding buy orders will also be immediately suspended and no further buy orders will be accepted for the
remainder of the day. Buy orders which have been accepted will not be affected by the using up of the daily
quota, while sell orders will be continued to be accepted. Depending on the aggregate quota balance situation,
buying services will be resumed on the following trading day.
Trading day difference
As mentioned above, Shanghai-Hong Kong Stock Connect will only operate on days when both markets are
open for trading and when banks in both markets are open on the corresponding settlement days. So it is
possible that there are occasions when it is a normal trading day for the Mainland market but Hong Kong
investors cannot carry out any A shares trading. Investors should take note of the days Shanghai-Hong Kong
Stock Connect is open for business and decide according to their own risk tolerance capability whether or not to
take on the risk of price fluctuations in A shares during the time when Shanghai-Hong Kong Stock Connect is not
trading.
Restrictions on selling imposed by front-end monitoring
For investors who usually keep their A shares outside of their brokers, if they want to sell certain A shares they
hold, they must transfer those A shares to the respective accounts of their brokers before the market opens on
the day of selling (T day). If they fail to meet this deadline, they will not be able to sell those A shares on T day.
The recalling of eligible stocks
When a stock is recalled from the scope of eligible stocks for trading via Shanghai-Hong Kong Stock Connect
for above-mentioned reasons, the stock can only be sold but restricted from being bought. This may affect the
investment portfolio or strategies of investors. Investors should therefore pay close attention to the list of
eligible stocks as provided and renewed from time to time by both Exchange.
Risks of client assets received or held outside Hong Kong
Client assets received or held by the licensed or registered person outside Hong Kong are subject to the
applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities
and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not
enjoy the same protection as that conferred on client assets received or held in Hong Kong.
You are advised to understand the relevant details, charges and important notes before investing in Shanghai A
shares. For details, please refer to the “Important Notice of Trading Shanghai A Shares and A Shares Margin
Trading via Shanghai-Hong Kong Stock Connect” in “Hong Kong Investors Invest in A Shares” of Bank website
www.bochk.com or contact BOCHK’s staff.
This promotion material is issued by BOCHK and the contents have not been reviewed by the Securities and
Futures Commission of Hong Kong.
如閣下希望閲覽本宣傳品的中文版本,請向中銀香港分行職員查詢。