Welcome Rewards for New WISE Banking Customers
Enjoy welcome rewards of over $1,500!
Welcome Rewards for New WISE Banking Customers
Enjoy welcome rewards of over $1,500!
p.a. HKD/RMB Time Deposit Interest Rate HKD50,000 × 92 days/ 365 days
× 5.88% = HKD741
RMB50,000 × 92 days/ 360 days
× 5.88% = RMB751
below designated requirements, can enjoy
(Stock Code 2800.HK)+2
- Register and logon for Online Banking / Mobile Banking3
- Complete the selection to receive marketing communications via phone call, phone message and email4
- Capture with sufficient light, avoid dark or messy background and reflective surface or blocking the light source;
- Hold the edge of the HKID card and avoid blocking any information on the card, do not place it on a flat surface;
- Keep your HKID card within the frame;
- According to the instruction, capture the HKID Card within the frame.
for Chinese Mainland residents visiting Hong Kong
On the CCB (HK&MO) App homepage, tap ‘Time Deposit'
Select Time Deposit Placement
Click the ‘Set up Now' button under the 'New Customer Exclusive Limited-Time Preferential Time Deposit Rate' banner
Tap 'Reference Interest Rate' for current time deposit interest rates
Fill in required fields, review and complete your application
New Customer Referral Program
- After your account opening, simply invite your friends and family to complete the "New Customer Referral Form" online and complete account opening. For every successful referral of a new customer, you can enjoy up to HK$1,000 cash reward! The rewards are cumulative - refer more, earn more!
Securities and Equity Linked Investment Product Offers
- Up to HK$8,888 Cash Reward for New Securities Customers
- $0 Unlimited Brokerage Fee Waiver for US Securities Trading
- Up to HK$28,888 Cash Reward for Equity Linked Investment Product Subscription
eye AM Ready! CCB (Asia)
eye+ Credit Card Makes Its Grand Debut
- First in Hong Kong5 - Spend local. Earn global! Earn Foreign Currency Rebates on Daily Spending! Enjoy up to 5% Rebate for Online Shopping and Contactless Payments!
- Apply NOW to claim up to HK$800 Welcome Rewards and Unlock Exclusive eye+ Upgrade Benefits!
Personal Installment Loan Offer
Apply Personal Installment Loan successfully to enjoy handling fee waiver and following privileges:
- Up to HK$10,000 cash rebate for drawdown and additional HK$1,500 cash rebate for mobile app application
- APR as low as 1.24%6
- The 3-month 5.88% HKD/RMB time deposit calculation uses the period from October 5, 2026 – January 5, 2027 as the term.
- The offer is limited by quota and is available on a first-come-first-served basis while quota lasts.
- Eligible Customers must register for Online Banking / Mobile Banking of the Bank and logon successfully for at least once in the first 2 calendar months (including the Account Opening Month and the following calendar month).
- Eligible Customers must choose to receive marketing communications and opt-in for all these 3 marketing channels, including phone call, phone message and email, within the following calendar month after the Account Opening Month.
- "First in Hong Kong" is determined based on a comparison conducted as of September 1, 2026, between CCB (Asia) and other retail banks, as publicly disclosed on their respective websites with regard to credit card benefits.
- For loan amount of HK$3,000,000, repayment period of 12 months, the monthly flat rate is 0.06%, the Annualised Percentage Rate are 1.24% (with HK$1,500 cash rebate) and 1.33% (without any cash rebate).
The above offers and services are bound by terms and conditions. For details, please refer to the relevant terms and conditions or contact our staff.
Enquiry Hotline: (852) 2903 8303
To borrow or not to borrow? Borrow only if you can repay!
Don't be tempted by quick money. Don't lend your bank account to anyone to launder money.
Terms and Conditions for 5.88% p.a. Preferential Time Deposit Interest Rate Offer for New WISE Banking or General Personal Banking Customers
- The promotion period of the Program is from October 1, 2026 – December 31, 2026, both dates inclusive (“Promotion Period”).
- The Promotion is only applicable to new “WISE Banking” customers or general personal banking customers (non Packaged Banking customers who solely use basic banking services including checking /savings account(s)) of China Construction Bank (Asia) Corporation Limited (the “Bank”) within the Promotion Period, and have not maintained any accounts in sole name or joint name or used any banking products or services (excluding Wealth Management Connect “Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program ("Eligible Customers"). The Program is not applicable to Private Banking customers, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers, “PREMIER BANKING” and “PRIVATE WEALTH” of the Bank. The Bank reserves the right to determine the eligibility of the customers for this Program.
- During the Promotion Period, Eligible Customers will be entitled to each of the offer (“Offer”) as specified under Section B for only once; for joint accounts, only the primary account holders will be entitled to the Offer and qualified as Eligible Customers.
- If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide either one offer to the Eligible Customer.
- The Multi-Currency Statement Savings Account and/or HKD Statement Savings Account of an Eligible Customer must remain valid at the time of reward is credited. Otherwise, the reward will be forfeited. If an eligible customer cancels any account(s) under this Program within 6 months after account opening, the Bank may deduct administrative fees equivalent to the credited reward from the Eligible Customer's account without prior notice.
- The Bank reserves the rights to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
- Eligible Customer’s eligibility for the Offer shall be subject to the Bank final decision at the Bank’s discretion.
- Eligible Customers are also bound by the terms and conditions for the relevant banking products and services. Please refer to the relevant promotional materials, visit the official website of the Bank or contact our staff for details.
- In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.
B. Offers Details:
- Securities Account Opening Reward ("Securities Account Opening Reward")
- The first 15,400 Eligible Customers who fulfil below specific requirements can enjoy worth HK$800 of Free Shares of Tracker Fund of Hong Kong (Stock Code 2800.HK)* Stock Reward:
- During the Promotion Period, become new “WISE Banking” or general personal banking customer of the Bank, and successfully open the following Designated Account(s), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account; AND
- In the first 2 calendar months (including the Account Opening Month and the following calendar month) logon Online Banking or Mobile Banking of the Bank successfully for at least once; AND
- During the Promotion Period, choose to receive marketing communications and opt-in for all these 3 marketing channels, including phone call, phone message and email; AND
- During the period of October 1, 2026 to January 31, 2027, successfully open the securities account in their sole name.
- The Securities Account Opening Reward is granted on a first-come-first-served basis while quota lasts, determined by the effective date when the Eligible Customer becomes a personal banking customer of our bank. Offers are subject to availability until fully allocated.
- Securities Account Opening Reward will be credited directly to the Eligible Customers’ valid Securities Cash Trading Account or Securities Margin Trading Account with the earliest account opening date according on or before February 28, 2027. At the time of the reward is credited, Eligible Customers must still maintain a valid Securities Cash Trading Account or Securities Margin Trading Account, and also maintain as opt-in for the marketing channels as set out in clause 10 Ic. Otherwise, the Securities Account Opening Reward will be forfeited absolutely and will not be provided to the Eligible Customers through any other means.
- This does not constitute advice to buy or sell any investment products and does not constitute an offer with respect to any investment products. The price of the Share fluctuates, sometimes dramatically. The price of Share may move up or down, and may become valueless. Thus, it may not be profit-making. You are encouraged to consult your own independent financial advisors before making any investment decision. Investment products are not bank deposit and thus should not be considered as alternative of normal time deposit.
- Please note the relevant risks related to trading of odd lots, including if the proceeds of the odd lots selling order are less than the related charges, customer must pay the difference and bear the loss that may arise from. The processing time of odd lots trading is related to the stock liquidity and the number of odd lot shares. Due to the manual processing of odd lot orders, there is no definite range of price difference between the odd lots and the board lots; such orders may take longer to process and are not guaranteed to be executed. Normally, the execution price of an odd lot order will have several spreads worse than that of a board lot order. In addition, the Bank may only get quote(s) and execute the odd lot trade(s) for customers through one of the few brokers as may be designated by the Bank from time to time, while the Bank will act in customers’ best interests with relevant best execution factors taken into account in relation to customers’ order(s).
- Customer who becomes a new “WISE Banking” or general personal banking customer of the Bank during the Promotion Period can be entitled to the Hong Kong Securities Safe Custody Fee waiver for only once. Customers shall first pay in full the standard Safe Custody Fee according to the Bank’s fee schedule of securities trading services. For customer who becomes a new “WISE Banking” or general personal banking customer of the Bank between October 1, 2026 and December 31, 2026, the Bank will credit the eligible Safe Custody Fee amount to the relevant HKD settlement account of the Securities Account in the form of cash rebate on or before August 31, 2027. For details, please refer to the Bank's fee schedule of securities trading services (more details can be found under clause 10 VIII below).
- The stock reward value will be determined by the opening price at the Hong Kong Stock Exchange on January 20, 2027. In the event that the scheduled transaction date falls on a non-trading day, the transaction shall be postponed to the next succeeding trading day.
- The relevant Eligible Customers do not have to pay for any trade-related fee involved for the above mentioned stock reward, including brokerage fees, deposit of stocks charges, and any third-party transaction charges such as transaction levy, stamp duty and trading fee, etc. (“Trade-related Fee”). But you must bear all costs related to transfer out the shares (including but not limited to scrip handling fees); When you hold or sell securities products, you are responsible for paying all relevant fees (including but not limited to nominee services and trade-related fee). For the details of our Securities Fee Schedule, please refer to CCB (Asia) website > Personal > Terms and Fees > Securities Trading Services.
- In case of any reason the Bank is unable to provide the Free Shares under this Promotion’s reward, the Bank reserves the right to substitute the Free Shares with other reward(s) at any time without prior notice. The value or nature of the substitute reward(s) may differ from the Free Shares specified in these Terms and Conditions. The Customer shall not raise any claims or objections against the Bank due to any difference in value arising from the substitute reward.
- The Securities Account Opening Reward is not applicable to the staff of the Bank and the staff of the subsidiary companies of China Construction Bank.
- The first 15,400 Eligible Customers who fulfil below specific requirements can enjoy worth HK$800 of Free Shares of Tracker Fund of Hong Kong (Stock Code 2800.HK)* Stock Reward:
- Personal Banking Customer Credit Card Application Offer Promotion
- Terms and Conditions of eye Credit Card Welcome Gifts for New Cardmembers
- Terms and Conditions of CCB(Asia) TRAVO World Mastercard Welcome Gifts for New Cardmembers
- Terms and Conditions of CCB(Asia) UnionPay Dual Currency Credit Card Welcome Gifts for New Cardmembers
Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investment products are not equivalent to or alternative of time deposits. They are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Some investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. The investment decision is yours, but you should not invest in an 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. Investors should not invest based on this promotion material alone. Before making any investment decision, customers should consult their own independent professional financial, tax or legal advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products. The information is not an investment advice and does not constitute any offer or solicitation to offer or recommendation of any investment product.
Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.
Securities Margin Trading
If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client's cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or"stop-limit" orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client's securities collateral may be liquidated without the client's consent. Moreover, the client will remain liable for any resulting deficit in the client's account and interest charged on the client's account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client's own financial position and investment objectives.
Structured Equity-linked Products
Structured equity-linked products are structured products which involves derivatives and substantial risks including, among others, market risks, liquidity risks, risks relating to changes in market conditions, counterparty risks, and the risks that the issuer(s) will be unable to satisfy its obligations under the structured equity-linked products. Customers should recognize that their structured equity-linked products may mature worthless. While the maximum return on a structured equity-linked product is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying stock price moves substantially against the investor’s view.
Currency Exchange
Currency exchange involves bid-ask spread.
Exchange Rate Risk
Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.
RMB Currency Risk
RMB is currently not freely convertible and is subject to exchange controls and restrictions (which are subject to changes from time to time without notice). You should consider and understand the possible impact on your liquidity of RMB funds in advance. The fluctuation in the exchange rate of RMB may result in losses in the event that you convert RMB into other currencies. Onshore RMB and offshore RMB are traded in different and separate markets operating under different regulations and independent liquidity pool with different exchange rates. Their exchange rate movements may deviate significantly from each other.
Online Investment Trading Services
Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.
Disclaimer of Online Investment Trading Services
Disclaimer
This promotion material is intended to be distributed in the Hong Kong Special Administrative Region ("Hong Kong") for reference only, and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any investment product in or outside Hong Kong. The promotion materials are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent under the Insurance Ordinance (Chapter 41, Laws of Hong Kong) and a Registered Institution (CE No. AAC155) under the Securities and Futures Ordinance to carry on Type 1 (Dealing in Securities) and Type 4 (Advising on Securities) Regulated Activities. This promotion material has not been reviewed by any regulatory authorities in Hong Kong.
