Value Added Payroll Service
Enjoy up to HK$4,988 Cash Reward
Eligible customer1 who enrolls the Value Added Payroll Service can enjoy up to HK$4,988 cash reward! From October 1, 2024 to December 31, 2024, enroll Value Added Payroll Service at any of our branches can enjoy up to HK$600 cash reward. Eligible customer1 can also enjoy up to HK$4,388 cash reward on Buy/ Sell Trades of HK Stocks and enjoy the fee waiver on monthly maintenance for Packaged Banking Service. Add value to each Payday with our fabulous rewards!
Exclusive offer for enrolling in Value Added Payroll Service
Enrolls Value Added Payroll Service to enjoy up to
HK$600 cashreward3
HK$600 cash
Eligible customer1 who enrolls Value Added Payroll Service at any of our branches can enjoy
up to HK$600 cash reward.
up to HK$600 cash reward.
| Customer Type | Cash Reward2 |
| PREMIER BANKING | HK$600 |
| WISE BANKING | HK$300 |
| General Banking |
Buy/ Sell Trades of HK Stocks to enjoy up to
HK$4,388 cashreward3
HK$4,388 cash
Eligible customer1 who enrolls Valued added Payroll Service and open a new Securities Account can enjoy up to HK$4,388 cash reward for buy and sell trades of Hong Kong Stocks conducted within the month of account opening and the subsequent 3 months via the Bank's automated trading channels (including Mobile Banking, Online Banking and Fortunelink Mobile App of the Bank)!
Enjoy a Fee Waiver on Monthly Maintenance for Packaged Banking Service3
Other Privilege Offers
Life Insurance Plans
Cash Reward of up to HK$10,000
eye Credit Card
Up to 11% cash rebate4, 2% cash rebate on online shopping and contactless payment
Personal Installment Loan
APR as low as 1.5% and up to HK$11,500 cash rebate
Enhance your Payroll Power with fabulous rewards!
Apply now!
Apply now!
Remarks:
- Eligible customer refers to customer who has not enrolled Value Added Payroll Service with the Bank in the past 12 months.
- Eligible Customer is required to maintain valid designated Customer Type within the Promotion Period and successfully completed the Eligible Payroll Transaction in 2 consecutive months in the specific time period.
- The above offers and services are bound by related terms and conditions, please refer to the relevant terms and conditions below or contact our staff for details.
- Registration through CCB (Asia) Mobile Banking is required.
The above offers and services are bound by related terms and conditions, please refer to the relevant terms and conditions below or contact our staff for details.
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Terms & Conditions
Terms and Conditions for Value Added Payroll Service Promotion (the "Promotion")
A.General Terms and Conditions:
- The promotion period is from October 1, 2024 to December 31, 2024, both dates inclusive ("Promotion Period").
- The Promotion is only applicable to personal customer who did not enroll the Value Added Payroll Service ("Payroll Service") with China Construction Bank (Asia) Corporation Limited (the "Bank") in the past 12 months ("Eligible Customer"). If more than one account holders are involved in the sign up, only the primary account holder will be eligible for the offer of the Promotion.
- The Promotion is only applicable to Designated HKD Payroll Service Account, it is not applicable to Step Up Savings Account, Smart Kid Savings Account, PREMIER Savings Account and Value-Added Mortgage Linked Checking Account enrolled with Payroll Service.
- If Eligible Customer is entitled to the offer of the Promotion in conjunction with other promotions, the Eligible Customer is only entitled to one of the offers. The decision of the Bank shall be final and binding.
- Packaged Banking customers shall be bound by the Terms and Conditions for China Construction Bank (Asia) PREMIER BANKING / WISE BANKING Service.
- Eligible Customer is also bound by relevant terms and conditions for the banking products and services under the Promotion, please refer to the relevant promotional materials or visit the official website of the Bank or contact our staff for details. In the event of any inconsistency between these Terms and Conditions and the relevant terms and conditions for the banking products and service, these Terms and Conditions of the Promotion shall prevail.
- The Promotion is not applicable to the Capital Investment Entrant Scheme customer, Private Banking customer and the staff of the Bank and the staff of the subsidiary companies of China Construction Bank.
- The Bank reserves the right to suspend, modify or terminate any of the Promotion and change these Terms and Conditions at its discretion from time to time. The Bank will give prior notice in a manner the Bank considers appropriate (including but not limited to provision of notice by electronic means).
- 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.Terms and Conditions for Value Added Payroll Service Cash Reward (the “Reward”) :
- In this Promotion, “Eligible Payroll Transaction” is defined as the Salary Payment directly credit to the payroll account by the employer each month through the auto-payroll service or standing instructions through other banks (Not include any transactions through the Bank’s account) and the Salary Payment amount must not less than HKD10,000. Salary Payment refers to the basic monthly salary payment (excluding commission, bonus, overtime allowance, double pay, reimbursement, MPF contribution, and/or other payment made on top of the basic salary) ("Salary Payment"). Any Salary Payment made by cash or cheque will not be considered as Eligible Payroll Transaction. If there is more than one Eligible Payroll Transaction during a month, only the transaction with the highest Salary Payment will be considered as Eligible Payroll Transaction.
- Eligible Customer must fulfill the following conditions in order to enjoy the Reward (as listed below in Clause B3):
- successfully enroll Payroll Service at any of our branches during the Promotion Period; and
- ssuccessfully complete the Eligible Payroll Transaction in 2 consecutive calendar months during the Eligible Payroll Transaction Period (which is defined as the Payroll Service enrollment month and the following 3 calendar months). Detail are as follows:
Payroll Service Enrollment Month Eligible Payroll Transaction Period Date of Crediting the Reward October 2024 October 2024 – January 2025 On or before May 31, 2025 November 2024 November 2024 – February 2025 December 2024 December 2024 – March 2025
- Eligible Customer who fulfill the conditions as listed in the above Clause B2, can entitle to the Reward according to the customer type listed below. Each Eligible Customer can only be rewarded once only in this Promotion.
Customer Type Reward PREMIER BANKING HK$600 WISE BANKING / General Banking HK$300 - The Bank will credit the Reward to Eligible Customer’s Payroll Service account (excluding Step Up Savings Account) according to the Date of Crediting the Reward as listed in the above Clause B2. Eligible Customer must maintain a valid Payroll Service account and valid designated customer type at the time of crediting the Reward. Otherwise, the relevant Reward will be forfeited and will not be provided to the Eligible Customer through any other means.
C.Terms and Conditions for 3 Months Brokerage Fee Cash Reward of up to HK$4,388 on Buy/Sell Trades of HK Stocks (“HK Stock Cash Reward”):
- Eligible Customer must fulfill the following conditions in order to enjoy the HK Stock Cash Reward:
- successfully enroll Payroll Service during the Promotion Period;
- successfully open a Securities Cash Trading account and/or a Securities Margin Trading account with the Bank during the Promotion Period (“New Securities Account(s)”), and
- do not have any securities accounts either in sole name or joint names with the Bank during the period from April 1, 2024 to September 30, 2024 (both dates inclusive).
For New Securities Accounts held in joint names, only the primary account holder is entitled to become an Eligible Customer.
- In the month of opening a New Securities Accounts followed by the subsequent 3 calendar months (the “3-Month Promotion Period” as defined in clause C3), Eligible Customer will be entitled to a brokerage fee rebate of up to HK$4,388 (or equivalent) on buy and sell trades of HK stocks for any “Eligible Transactions” (as defined in clause C4) conducted via their New Securities Accounts.
- “3-Month Promotion Period” is defined as follows:
New Securities Accounts Opening Month 3-Month Promotion Period October 2024 October 2024 – January 2025 November 2024 November 2024 – February 2025 December 2024 December 2024 – March 2025 - “Eligible Transactions” are defined as buy and sell trades of any HKD-denominated or RMB-denominated securities listed on the Stock Exchange of Hong Kong Limited (“HKEX”), which are conducted via the New Securities Accounts through automated trading channels (including Online Banking, Mobile Banking and FortuneLink Mobile App) of the Bank; excluding IPO subscriptions, Securities Monthly Investment Plan transactions, transactions for securities listed on Shanghai Stock Exchange (“SSE”) via the Shanghai-Hong Kong Stock Connect and transactions for securities listed on Shenzhen Stock Exchange ("SZSE") via the Shenzhen-Hong Kong Stock Connect.
- The HK Stock Cash Reward is the reduction of brokerage fee for securities transactions. New Securities Customers shall first pay in full the standard brokerage fee according to the Bank’s fee schedule of securities trading services. The Bank will credit the eligible brokerage fee reduction amount to the relevant HKD settlement account of the New Securities Accounts according to the timetable listed below. The New Securities Accounts, the settlement account and the Payroll Service account must be valid at the time of crediting the HK Stock Cash Reward, otherwise, the HK Stock Cash Reward will be forfeited and will not be provided to the Eligible Customer through any other means.
Transaction Period of Eligible Transactions Credit Date for HK Stock Cash Reward October 2024 – December 2024 On or before March 31, 2025 January 2025 – March 2025 On or before May 31, 2025 - The HK Stock Cash Reward is calculated on an individual New Securities Accounts basis and the cap for HK Stock Cash Reward is HK$4,388 (or equivalent) for each New Securities Accounts. The HK Stock Cash Reward will be calculated in Hong Kong Dollar. If the securities transactions are RMB-denominated securities transactions, the prevailing exchange rate as quoted by the Bank on the date as determined by the Bank will be adopted to calculate the HK Stock Cash Reward.
D.Packaged Banking Service Monthly Maintenance Fee Waiver (“Fee Waiver”)
- Eligible Customer who has successfully enroll Payroll Service during the Promotion Period is entitled to Fee Waiver from the date of Payroll Service enrollment if he/she meets the respective Salary Payment requirement as set out by the Bank from time to time and maintains the Discounted Daily Average Combined Balance as follows:
Packaged Banking Service Discounted Daily Average Combined Balance (HKD or its equivalent) PREMIER BANKING 500,000 - The Bank reserves the right to cancel or revise the Packaged Banking Service Privileges from time to time.
- If the Payroll Service is terminated, Eligible Customer is required to maintain the standard Daily Average Combined Balance as set out by the Bank from time to time to enjoy the Fee waiver.
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.
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.
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.
Insurance
Customers should read the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance company to understand the details of the insurance plan (including but not limited to detailed terms, conditions, coverage, exclusions, fees and product risks) and consider whether the insurance product meets their personal needs before application. Policyholders are subject to the credit risk of relevant insurance company.
For life insurance product, an insurance plan may comprise a savings element. Part of the premium will be paid for the insurance and related costs. If a customer is not completely satisfied with his/her life insurance policy, the customer has a right to cancel it within the cooling off period and obtain a refund of relevant premium and levy paid. To exercise such right, a notice of cancellation signed by the customer must be received by relevant insurance company’s Hong Kong Main Office within the cooling off period (i.e. within 21 calendar days immediately following either the day of the delivery of the policy or delivery of a Cooling-off Notice (stating the availability of the policy and expiry date of the cooling off period) to the customer or the customer’s nominated representative, whichever is the earlier). After the cooling off period is expired, if a customer cancels the policy before maturity, the surrender value may be less than the total premium the customer has paid.
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 or insurance products in or outside Hong Kong. This promotion material and the FX linked deposits abovementioned 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.
China Construction Bank (Asia) Corporation Limited (Insurance Intermediary License No: FA3132) (“the Bank”) is the appointed insurance agency of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life"), QBE Hongkong & Shanghai Insurance Limited (“QBE Hong Kong”) and China Taiping Insurance (HK) Company Limited (“CTPI(HK)”), to distribute life and general insurance products in the Hong Kong Special Administrative Region. Relevant life and general insurance products are the products of the insurance companies but not the Bank. The above life insurance products are issued and underwritten by FWD Life. FWD Life is authorized and regulated by the Insurance Authority (“IA”) to carry on long term insurance business in the Hong Kong Special Administrative Region; and the above general insurance products are underwritten by QBE Hong Kong or CTPI(HK). QBE Hong Kong and CTPI(HK) are authorized and regulated by the IA to carry on general insurance business in the Hong Kong Special Administrative Region. Please refer to the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance companies for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the life or general insurance products. FWD Life, QBE Hong Kong and CTPI(HK) reserve the right to decide at each of their sole discretion to accept or decline any application for life or general insurance product according to the information provided by the proposed Insured (if applicable) and the customer at the time of application. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the life or general insurance product should be resolved between the insurance company and the customer directly. Information on this website 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 insurance product in or outside Hong Kong.
Pursuant to the Insurance (Levy) Regulation (Cap. 41I) and the Insurance (Levy) Order (Cap. 41J) under the Insurance Ordinance (Cap. 41), the IA collects levies for insurance premiums from policyholders with effect from 1 January 2018. For further details, please visit the website of IA. For the latest information about the IA, please visit https://www.ia.org.hk. For the latest information about The Insurance Complaints Bureau, please visit https://www.icb.org.hk.
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.
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.
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.
Insurance
Customers should read the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance company to understand the details of the insurance plan (including but not limited to detailed terms, conditions, coverage, exclusions, fees and product risks) and consider whether the insurance product meets their personal needs before application. Policyholders are subject to the credit risk of relevant insurance company.
For life insurance product, an insurance plan may comprise a savings element. Part of the premium will be paid for the insurance and related costs. If a customer is not completely satisfied with his/her life insurance policy, the customer has a right to cancel it within the cooling off period and obtain a refund of relevant premium and levy paid. To exercise such right, a notice of cancellation signed by the customer must be received by relevant insurance company’s Hong Kong Main Office within the cooling off period (i.e. within 21 calendar days immediately following either the day of the delivery of the policy or delivery of a Cooling-off Notice (stating the availability of the policy and expiry date of the cooling off period) to the customer or the customer’s nominated representative, whichever is the earlier). After the cooling off period is expired, if a customer cancels the policy before maturity, the surrender value may be less than the total premium the customer has paid.
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 or insurance products in or outside Hong Kong. This promotion material and the FX linked deposits abovementioned 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.
China Construction Bank (Asia) Corporation Limited (Insurance Intermediary License No: FA3132) (“the Bank”) is the appointed insurance agency of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life"), QBE Hongkong & Shanghai Insurance Limited (“QBE Hong Kong”) and China Taiping Insurance (HK) Company Limited (“CTPI(HK)”), to distribute life and general insurance products in the Hong Kong Special Administrative Region. Relevant life and general insurance products are the products of the insurance companies but not the Bank. The above life insurance products are issued and underwritten by FWD Life. FWD Life is authorized and regulated by the Insurance Authority (“IA”) to carry on long term insurance business in the Hong Kong Special Administrative Region; and the above general insurance products are underwritten by QBE Hong Kong or CTPI(HK). QBE Hong Kong and CTPI(HK) are authorized and regulated by the IA to carry on general insurance business in the Hong Kong Special Administrative Region. Please refer to the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance companies for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the life or general insurance products. FWD Life, QBE Hong Kong and CTPI(HK) reserve the right to decide at each of their sole discretion to accept or decline any application for life or general insurance product according to the information provided by the proposed Insured (if applicable) and the customer at the time of application. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the life or general insurance product should be resolved between the insurance company and the customer directly. Information on this website 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 insurance product in or outside Hong Kong.
Pursuant to the Insurance (Levy) Regulation (Cap. 41I) and the Insurance (Levy) Order (Cap. 41J) under the Insurance Ordinance (Cap. 41), the IA collects levies for insurance premiums from policyholders with effect from 1 January 2018. For further details, please visit the website of IA. For the latest information about the IA, please visit https://www.ia.org.hk. For the latest information about The Insurance Complaints Bureau, please visit https://www.icb.org.hk.