ICBC (Asia) Fabulous Rewards  Act Now!

1.New Customer Account Opening Reward up to NEW iPhone X

New customer who opens an Elite Club Account or e-Age Banking Account and maintains average daily Total Liquid Assets at designated amount for the 3 consecutive months and applies for e-statement service is eligible to enjoy :

Maintain average daily Total Liquid Assets for 3 consecutive months immediately after the account opening	Free Credit Card Spending Reward or Gift
HK$100,000 or above	HK$100
HK$800,000 or above	HK$800
HK$5,000,000 or above	HK$5,000
HK$10,000,000 or above	One iPhoneX 256GB (Reference retail value HK$9,888) or HK$8,888 Free Credit Card Spending Reward

2. Enjoy interest rate of 2% per annum with just HK$100,000 Time Deposit

New Customers who apply/holding ICBC credit cards or securities accounts when setting up time deposit by HKD New Funds at branch can enjoy preferential interest rate up as below:

388-Day HKD Time Deposit Amount	Interest Rate Per Annum
Fixed Amount HK$100,000	2% p.a.*

* The preferential interest rate set out above is based on the interest rate of time deposit quoted by the Bank on 2nd January 2018 and are for reference purposes only. The actual interest rate shall be subject to the rates as quoted by the Bank from time to time. Each New Customer can only enjoy the Offer once during the Promotion Period.

3.Member-Get-Member Reward Program

Every successful referral of a new customer for opening an Elite Club Account will be eligible for a reward of up to HK$3,000¹ each.

Member-Get-Member Reward Program is subject to relevant terms and conditions. For detail, please click here.

4.Credit Card Welcome Offer

Successful applicant of ICBC Sands Lifestyle Mastercard may enjoy One Complimentary Room Night at Macau².

Credit Card Welcome Offer is subject to relevant terms and conditions. For detail, please click here.

5.Securities Trading Promotion

Eligible new customers can enjoy first three months commission as low as HK$0 via internet banking or mobile banking after account opening

Customer Type	Maximum Commission Rebate
Securities Margin Account	HK$6,000
Securities Cash Account	HK$3,000

New Securities Margin Account - Extra Low Interest Rate at P-3.5% p.a.

Enjoy the privileged interest rate of P-3.5% p.a. within the first 6 months after the account opening during the Promotion Period.

Securities Trading Promotion is subject to relevant terms and conditions. For detail, please click here.

6.Private Car Loan Promotion

Private Car Loan’s privileged yearly flat rate as low as 1.38% (Annualised Percentage Rate 3.343% ³) with HK$500 gasoline cash coupon reward.

To borrow or not to borrow? Borrow only if you can repay!
Remark: Above rewards and offers are subject to the relevant terms and conditions, please refer to the relevant applicable Terms and Conditions for details.
1.Free credit card spending limit will be served as the reward to customer. Rewards and offers are subject to the relevant terms and conditions, please refer to the relevant applicable Terms and Conditions for details.
2.Fulfill spending requirement and subject to Terms and Conditions.
3.The Annualised Percentage Rate (APR) is calculated based on the privileged yearly flat rate 1.38% with loan amount of HK$100,000, loan tenor of 60 months and advance rental payment of 6 months (exclusive of HK$500 gasoline cash coupon reward). APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest three decimal places. Interest is calculated on the basis of 365 days per year. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.