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    Merchant Privileges

    As a Preferred Banking customer, you can enjoy the following offers and services.

    Medical

    CUHK Medical Centre: Preferential price for medical check-up services at Wellness Centre[1]

    WomenCare Health Check Programme

    • Plan W2: HKD5,130 (original price HKD5,400)
    • Plan W3: HKD7,410 (original price HKD7,800)

    MenCare Health Check Programme

    • Plan M2: HKD3,705 (original price HKD3,900)
    • Plan M3: HKD5,605 (original price HKD5,900)

    Brain Health Programme: HKD4,703 (original price HKD4,950)

    Prostate Health Programme: HKD3,040 (original price HKD3,200)

    Heart Health Programme

    • Plan 1: HKD5,320 (original price HKD5,600)
    • Plan 2: HKD7,562 (original price HKD7,960)

    Reservation Details at Wellness Centre

    Address: B11, 11/F, CUHK Medical Centre, 9 Chak Cheung Street, Shatin, New Territories, Hong Kong

    Booking Hotline: 3946 6188

    E-mail: wellness@cuhkmc.hk

    CUHK Medical Centre: Preferential price for the Eye Health Programmes at Eye Centre[1]

    Comprehensive Eye Examination Plan: HKD950 (original price HKD1,000)

    Glaucoma Assessment Plan: HKD3,572 (original price HKD3,760)

    Macular Health Screening Plan: HKD2,527 (original price HKD2,660)

    Dry Eye Screening Plan: HKD2,185 (original price HKD2,300)

    For appointment and enquiries, please contact Wellness Centre / Eye Centre (Preferred Banking Promotion Code <CUMC_HASEPRF01>):


    Wellness Centre


    Address: B11, 11/F, CUHK Medical Centre, 9 Chak Cheung Street, Shatin, New Territories, Hong Kong

    Booking Hotline: 3946 6188

    E-mail: wellness@cuhkmc.hk


    Eye Centre

    Address: 2/F, CUHK Medical Centre, 9 Chak Cheung Street, Shatin, New Territories, Hong Kong

    Booking Hotline: 3946 6233

    CUHK Medical Clinic (TST) and CUHK Medical Clinic@Central: Preferential price for medical check-up services[2] [3]

    WomenCare Health Check Programme

    • Plan W2: HKD5,130 (original price HKD5,400)
    • Plan W3: HKD7,410 (original price HKD7,800) 


    MenCare Health Check Programme 

    • Plan M2: HKD3,705 (original price HKD3,900)
    • Plan M3: HKD5,605 (original price HKD5,900)

    CUHK Medical Clinic (TST): Preferential price for Physiotherapy services [3]

    Initial Assessment: Privilege price HKD238 (original price HKD250)


    Physiotherapy (3 modalities or less): Privilege price HKD855 (original price HKD900)


    Physiotherapy (Additional modality): Privilege price HKD304 (original price HKD320)

    CUHK Medical Clinic (TST): Preferential price for Dietetic services [3]

    Initial Consultation: Privilege price HKD665 (original price HKD700)


    Follow up Consultation: Privilege price HKD437 (original price HKD460)          


    For appointment and enquiries, please contact CUHK Medical Clinic (TST)/ CUHK Medical Clinic (TST) Physiotherapy Centre/ CUHK Medical Clinic@Central using the Preferred Banking Customer Promotion Code < CUCL_HASEPRF01>:


    CUHK Medical Clinic (TST) 

    Address: 5/F, Podium Plaza, 5 Hanoi Road, Tsim Sha Tsui, Kowloon, Hong Kong   
    Booking Hotline: (852) 3468 7141
    Services hours:   Monday to Friday: 9:30AM - 6:30PM, Saturday: 9:30AM - 1:30PM,
    Sunday and Public Holiday: Closed  


    CUHK Medical Clinic@Central (Heal Medical as collaborative Partner)

    Address: 1331, Central Building, 1-3 Pedder Street, Central, Hong Kong 
    Booking Hotline: (852) 3565 2984
    WhatsApp: (852) 9329 8821
    Services hours:   Monday to Friday: 8:30AM - 5:30PM, Saturday: 8:30AM - 1:00PM, Sunday and Public Holiday: Closed  


    CUHK Medical Clinic (TST) Physiotherapy Centre

    Address: Unit B, 3/F, Podium Plaza, 5 Hanoi Road, Tsim Sha Tsui, Kowloon, Hong Kong 
    Booking Hotline: (852) 3946 6599
    Email: tstphysio@cuhkmc.hk
    WhatsApp: (852) 5209 2511
    Services hours:   Monday to Friday: 9:30AM - 6:30PM, Saturday: 9:30AM - 1:30PM, Sunday and Public Holiday: Closed

    Hang Seng Credit Card Privileges

    Wan Kee / Catalog / GigaSports / marathon Sports​

    • 10% off selected regular-priced items​

    Agoda​

    • 7% off on prepaid hotels​

    Expedia.com.hk​

    • 8% off on selected hotel bookings (Discount code: HASEHK08)​​

    Hotels.com​

    • 8% off on selected hotel bookings (Discount code: HASE)​​

    Häagen-Dazs™​

    • 8% off ice cream cake ordering (Regular size or above)​

    Venchi​

    • 8% off regular-priced items​

     

    Please click here for more details.​

     

    Banking product privileges

    • Customers who newly opened Investment Fund Account can enjoy 0% fund subscription fee offer [4]
    • Existing Investment Fund customers can enjoy the below subscription fee[6]
    Bond Funds Other Funds Index Funds
    Net 1.8% Subscription Fee via any channels Net 2.4% Subscription Fee via any channels Net 1% Subscription Fee via any channels
    Monthly Investment Plan for Funds [5]
    • Successfully set up Monthly Investment Plan for Fund to enjoy preferential subscription fee offer
    SimplyFund Account Offer
    • Customers who newly opened SimplyFund Account and hold a valid Risk Profiling Questionnaire record can enjoy free fund units with value of HKD20 [7]
    New Securities Customers Offers: [8]
    • Unlimited $0 brokerage fee for BUY & SELL trades of HK Stocks/US Stocks/A shares via online channels in the first 3 months from account opening date
    • Eligible customers who newly open/upgraded to Preferred Banking and meet specific requirement can enjoy 1 share of designated US stock  [9]
    • Enjoy 2 shares of designated US stock upon first successfully buy or sell trade of US stocks, HK stocks or A shares through online trading channels and securities trading hotline  [10]
    • Deposit HK stocks within the designated deposit period can enjoy up to $3,600 cash reward
    Other Securities Offers:
    • Buy HK ETF: enjoy extra 3% HK/USD savings rate on new fund deposit for 1 month [11]
    • 50% off brokerage fee offer for US stocks trading through Hang Seng Invest Express  [12]
    • IPO handling fee waiver for all IPOs of HK stocks subscribed through Hang Seng Invest Express or Personal e-Banking [13]
    • 1 year handling fee waiver for setup new Hang Seng Monthly Investment Plan for Stocks through Personal e-Banking  [13]
    Preferential Savings Deposit Offer
    • Enjoy up to 5% p.a. preferential savings rate by depositing new funds to reach a minimum Eligible Incremental Balance of CAD/AUD/NZD2,000 or GBP1,000 [14]
    Preferential Time Deposit Offer
    • Enjoy preferential interest rates for Time Deposit in designated tenor and amount of Eligible New Fund Balance [15]

    Exchange foreign currency to enjoy:

    Branch and Customer Contact Centre offer
    • 1-month time deposit rate up to 4.1% p.a. [16]
    • 1-week time deposit rate up to 14.6% p.a. [16]
    Online exclusive offer

    Exchange designated currencies through Hang Seng Mobile App and Personal E-Banking and set up a 1-week or 1-month time deposit at the same time to enjoy additional annual interest rates of up to 15.8% or 4.5% [16]

    Exchange foreign currency cash rebate:

    Complete real time Foreign Currencies Exchange successfully via Hang Seng Mobile App or Hang Seng Personal e-Banking with a cumulative FX Transaction Amount of at least HKD20,000 or its equivalent (excluding HKD to USD or USD to HKD FX transaction(s) within the Eligible FX Transaction Counting Period to enjoy a cash rebate of HKD100. [17]

    • Welcome offer up to $700 +FUN Dollars[18]
    • Up to 7% +FUN Dollars for foreign currency spending[19]
    • Up to 5% +FUN Dollars for eligible local fast food/ coffee shop transactions, capped at $100 +FUN Dollars[20]
    • Welcome off up to $700 +FUN Dollars [21]
    • Up to 6% +FUN Dollars for overseas foreign currencies spending  [21] [22]
    • Up to 5% +FUN Dollars for Online retail spending [21] [22]
    • Up to 1% +FUN Dollars for selected spending categories (Dining (excludingfast food) / Electronics / Entertainment, choose 2 out of 3)  [21] [22]
    • Interest Rate P+1% p.a.[23]
    • Preferential interest rate[24]
    • First year annual fee waiver and 50% discount of annual fee from the second year onwards[24]
    • 0% handling fee[25]
    Insurance Plan
    		 Offer
    • eCancerPro Insurance Plan
    		 Successfully apply for the dedicated life insurance plan with promotion code 3UNPC5
    during promotional period to enjoy 5 months premium waiver[26].
    • eFamilyPro Life Insurance Plan
    		 Successfully apply for the dedicated life insurance plan with promotion code 3SGMF9 during promotional period to enjoy 9 months premium waiver[26]
    • The above life insurance plan is underwritten by Hang Seng Insurance Company Limited. Please call our hotline at 29988038 or visit hangseng.com/ins-discount for the plan details
    Designated Life Insurance Plan
    		 Premium discount for the first year upon successful application for any designated life insurance plan with the designated amount
    • Please contact our branch staff or visit hangseng.com/lifeinsurance for details
    Insurance Plan
    		 Offer
    • Travelsure Protection Plan (Annual Global Cover)

    Successfully apply for the Travelsure Protection Plan (Annual Global

    Cover) with designated promotion code during promotional period[27]to enjoy:

    • 30% first-year premium discount
    • HKD150 e-Gift voucher
    • Travelsure Protection Plan (Annual China Cover)

    Successfully apply for the Travelsure Protection Plan (Annual China

    Cover) with designated promotion code during promotional period[27] to enjoy:

    • 20% first-year premium discount
    • HKD100 e-Gift voucher

    Banking service privileges

    Handling fee waiver
    • Foreign currency notes purchase / sale
    • Purchase of Gift Cheques (50% discount)
    • Set up and amend standing instruction
    • Set up Direct Debit Authorisation
    • AutoSweeping Service[28][29][30][31]

    Benefits at a glance

    Contact us

    Call us

    24-hour Banking Manned hotline

    (852) 2822 8228

    Visit our branches

    Find your nearest branch

    Footnote

    Risk disclosure and other point(s) to note

    1. Investment Fund
      Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment. The risks for funds which are index funds include but not limited to: Tracking error risk: There can be no assurance that the performance of the relevant fund will be identical to the performance of the relevant index. Factors such as the fees and expenses borne by the relevant fund, the time differences associated with portfolio re-balancing, the prices at which the constituent stocks of the relevant index are acquired or disposed by the relevant fund, the market condition at the relevant time of acquisition or disposal, the index-tracking strategies or financial derivative instruments used will affect the performance of such fund relative to the relevant index. Passive investment risk: Fund manager does not have any discretion to select stocks individually or to take defensive positions in declining markets or changes in the composition of the index. Hence, any fall in the relevant index will result in corresponding fall in the value of the relevant fund. The composition of the relevant index may change and stocks currently comprising the relevant index may subsequently be delisted. Other stocks may also be added subsequently to become constituent stocks of the relevant index. Concentration risk: The relevant fund may be concentrated in a single or particular sector(s)or single country/ region. The performance of the relevant fund could depend substantially on the performance of the relevant single or particular sector(s)/market(s) and the relevant fund is likely to be more volatile than a broad-based fund as it is more susceptible to adverse conditions in the relevant single or particular sector(s) / market (s). In seeking to reflect the weightings of constituent stocks of the relevant index, investments of the relevant fund may be concentrated in a single constituent stock or several constituent stocks. The performance of the relevant index and the fund may be significantly affected by the price fluctuation of one or several of the constituent stocks of the relevant index. The risks for funds which are bond funds, including but not limited to the credit/default risks of the issuers of the bonds in which the bond funds invest, interest rate risk and liquidity risk etc.
      • Risk Disclosure of SimplyFund Account:
        Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
        Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
        In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank’s affiliates HSBC Global Asset Management (Hong Kong) Limited.
    2. Securities Services
      Investors should note that investment involves risks. 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 ofbuying and selling securities.
      Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:
      • Once the respective quota is used up, trading will be affected or will be suspended.
      • Stock Connect Northbound Trading will only operate on days when both markets are open for trading. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
      • When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
      • Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
      Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. 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.
      Investors should note that ETF is different from a typical unit trust and many factors will affect its performance. In general, the market price per ETF unit may be significantly higher or lower than its net asset value per unit due to market demand and supply, liquidity, and scale of trading spread in the secondary market and will fluctuate during the trading day. ETF is different from stocks, investors should read the offering documents of the relevant ETF and understand the features and risks of ETF etc.
      Investors should not only base on this material alone to make any investment decision, but should read in detail the relevant risk disclosure statements.
    3. Currency risk
      • RMB currency risk
        Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
      • Foreign Currency risk
        Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer subsequently converts the deposits from HKD or foreign currency to another currency.
    4. Secured Overdraft
      • All asset types must be approved by the Bank. The Available Secured Overdraft Limit should be adjusted according to the market value of the assets and the relevant loan ratios from time to time
      • The Bank reserves the right to terminate or vary the offers and the approval of the Secured Overdraft Facility and the related terms and conditions from time to time. For enquiries or full details of the related terms and conditions, please contact us
    5. Insurance products
      The Bank is an insurance agent authorized by Hang Seng Insurance Company Limited (“Hang Seng Insurance”) and the product is a product of Hang Seng Insurance but not the Bank; and 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 you out of the selling process or processing of the related insurance product transaction, The Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly.

      The above Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. The Bank is an insurance agent authorized by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not the Bank. 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 you out of the selling process or processing of the related insurance product transaction, The Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly. The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. The Bank is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not the Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide the Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. 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 insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer. The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions, details of the exclusions and relevant product risks.
    6. Please read Hang Seng Preferred Terms and Conditions.
    7. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please do not share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

    Remark(s)

    1. The privilege is provided by CUHK Medical Centre. Terms and conditions apply. Please refer to CUHK Medical Centre Terms and Conditions.
    2. Certain investigation items, such as imaging services, in the health check programmes will be conducted at third-party service venue(s). Please contact the relevant clinic for further details.
    3. The privilege is provided by CUHK Medical Clinic. Terms and conditions apply. Please refer to CUHK Medical Clinic Terms and Conditions.
    4. The promotion period for the subscription fee offer of designated funds is from 1 April 2025 to 30 June 2025. Investment involves risk, Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/fundoffer.
    5. The promotion period of Monthly Investment Plan for Fund is from 1 January 2025 to 31 December 2025. Investment involves risk, Terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/mipfund.
    6. The promotion period is from 1 March 2025 to 30 June 2025. Investment involves risk, terms and conditions apply. For details, please contact our branch staff or visit hangseng.com/invfund.
    7. The promotion period is from 1 March 2025 to 30 June 2025. Only applicable to Preferred Banking  customers who have never opened a SimplyFund Account before, and hold a valid Risk Profiling Questionnaire record. Terms and Conditions apply, investment involves risk. For details, please contact our branch staff or visit hangseng.com/simplyfundpromo.
    8. The promotion period is from 1 April 2025 to 30 June 2025, unless otherwise specified. All the account holders of the new securities account must not hold any securities account (personal/ joint) with the Bank within a period of 6 months preceding the account opening date. For details, please visit hangseng.com/stockoffer and hangseng.com/prfpromo. Investment involves risks. Terms and conditions apply to the offers.
    9. This offer and the provision of the free shares do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. Foreign securities carry additional risks not generally associated with securities in the domestic market. There can be no guarantee, and no representation is made, on the performance of the free shares or as to whether losses would be incurred/profit would be made from the free shares. Terms and conditions apply to the offers.
    10. Online trading channels include Hang Seng Personal e-Banking, Hang Seng Personal Banking mobile app and Hang Seng Invest Express mobile app. Securities trading hotlines include Automated Securities Trading Hotline and Manned Securities Trading Hotline. This offer and the provision of the free shares do not represent, and should not be construed as, any investment advice from the Bank and the Bank has not taken into consideration the individual circumstances of any customers. Investment involves risks. Foreign securities carry additional risks not generally associated with securities in the domestic market. There can be no guarantee, and no representation is made, on the performance of the free shares or as to whether losses would be incurred/profit would be made from the free shares. Terms and conditions apply to the offers.
    11. The promotion period is from 17 March 2025 to 30 June 2025. For details, please visit hangseng.com/stockoffer. Investment and foreign exchange involve risks. Terms and conditions apply to the offers.
    12. The promotion period is until 30 June 2025. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and conditions apply to the offers.
    13. The promotion period is from 1 April 2025 to 30 June 2025. For details, please visit hangseng.com/stockoffer. Investment involves risks. Terms and conditions apply to the offers.
    14. The promotion period is from 1 April 2025 to 30 June 2025. For eligible customers with Eligible Incremental Balance of designated currencies. Savings rate is for reference only. Foreign exchange involves exchange rate risk. Terms and Conditions apply. Visit hangseng.com/depositspromo7 for more details.
    15. Please refer to promotion page for the calculation of Eligible New Fund Balance. Terms and Conditions apply. For details, please visit hangseng.com/depositspromo5.
    16. The promotion period of this offer is from 10 March 2025 to 30 June 2025. For exchange of designated currencies and set up of 1-week or 1-month time deposit at the same time with designated transaction amount. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 10 March  2025 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions. Terms and conditions apply. Visit hangseng.com/forexoffer for more details.
    17. The promotion period is from 1 April 2025 to 30 June 2025. Eligible Customers who have successfully exchanged foreign currencies in real-time (exclude HKD to USD or USD to HKD FX transaction(s)) under his/ her sole or joint personal integrated accounts of Preferred Banking (“Eligible Account”) via “Foreign Exchange Service” of Hang Seng Personal e-Banking or Hang Seng Mobile App with cumulative FX Transaction Amount for at least HKD20,000 (or its equivalent) within Eligible FX Transaction Counting Period are entitled to the cash rebate of HKD100. Foreign Exchange involves Exchange Rate Risk. Terms and Conditions apply. Please refer to Terms and Conditions of Preferred Banking Welcome Offers Promotion.
    18. The offer is valid from now till 30 June 2025. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
    19. Customers can enjoy up to 7% +FUN Dollars rebate upon registering for Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Programme and meeting accumulative monthly eligible spending of HKD6,000. Monthly reward cap is $500 +FUN Dollars. Terms and Conditions apply. Please refer to hangseng.com/travelplus for details.
    20. The promotion period is from 1 April 2025 to 5 May 2025. New customers who newly open Preferred Banking account, and successfully apply for Principal Card of Hang Seng Travel+ Visa Signature Card / MMPOWER World Mastercard or University / College Affinity Credit Card (“Eligible credit card”) can enjoy up to 5% +FUN Dollars for eligible local fast food/ Coffee shop transactions ("Eligible Transactions”) made during the first 3 months after applying eligible credit card successfully, the total maximum reward under eligible local fast food/ Coffee shop transaction is an extra $100 +FUN Dollars rebate. Terms and Conditions apply, for details, please refer to hangseng.com/prfpromo.
    21. The promotion period is valid from now till 30 June 2025. Terms and Conditions apply. For details, please visit hangseng.com/mpower. Terms and conditions apply to the Preferred Banking account opening rewards, please visit hangseng.com/prfpromo for details.
    22. Customers can enjoy up to 6% +FUN Dollars upon registering for Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme and meeting accumulative monthly eligible spending of HKD5,000. Monthly reward cap is $500 +FUN Dollars. Terms and Conditions apply. Please refer to hangseng.com/mpower for details.
    23. Terms and conditions apply. For details of terms and conditions and latest promotion, please contact our branch staff.
    24. Terms and conditions apply and the offer is only applicable to new customers.
    25. Terms and Conditions apply. For details, please visit hangseng.com/loan.
    26. The promotion period is from 1 April 2025 to 30 June 2025. Terms and conditions apply, please note the relevant product risks, credit risks and early surrender loss.
    27. The promotion period is from 1 January 2025 to 30 June 2025. Terms and conditions apply to promotion offer and insurance plan. Please note the relevant product risks. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited. Please call our hotline at (852) 2998 9888 for the details and obtaining dedicated promotion code. For the Terms and Conditions of the promotion offer, please visit hangseng.com/gi1.
    28. If your HKD Current Account is overdrawn or the line of credit is exceeded, but the daily total overdraft / excess amount is HKD20,000 or below, we'll automatically transfer the required funds from your HKD Savings Account under Integrated Account to your HKD Current Account not later than the following business day. If your daily total overdraft / excess amount is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a 2Way SMS on the execution of the automatic transfer to your local mobile number in our bank record. This service is free of charge. If you don't wish to use it, please call our Customer Service Hotline listed at the back of your ATM card or visit any of our branches to cancel this service.
    29. Only applicable to fund transfers from Hong Kong Dollar Savings Account to Hong Kong Dollar Current Account under the same Integrated Account and subject to the available balance of that savings account.
    30. If the required Auto-sweeping fund transfer is greater than HKD20,000 but less than or equal to HKD100,000, we'll send a SMS to the sole / principal account holder's local mobile number in our bank record. You should follow the instruction in the SMS to confirm the Auto-sweeping fund transfer. Without your reply, we'll execute your Auto-sweeping fund transfer automatically.
      If you haven't provided a local mobile number, or your local mobile number is linked to multiple Integrated Accounts that are eligible for the Auto-sweeping service and the required fund transfers for more than 1 accounts are greater than HKD20,000 but less than or equal to HKD100,000, Auto-sweeping fund transfer will be executed without the delivery of the SMS.
    31. We have the absolute discretion in deciding whether to execute any Auto-sweeping fund transfer as we consider appropriate and aren't liable for any loss incurred by the customer with issues related to the SMS (such as any non-receipt, delay or error).

    Unless otherwise specified, the promotion period of the Offers mentioned above is from 1 January to 31 December 2025. This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein. Terms and conditions apply to all the products / services and privileges mentioned above. For details, please contact our branch staff, refer to the respective flyer or visit hangseng.com. The Bank reserves the right to suspend, vary or terminate the offers and to amend their terms and conditions at any time without prior notice. The life insurance plans mentioned above are underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance") which is authorized and regulated by the Insurance Authority of the HKSAR. The Bank is an insurance agent authorized by Hang Seng Insurance and the insurance products are products of Hang Seng Insurance but not Hang Seng Bank. 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 Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly.

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