Online Banking Transaction Rewards | ICBC (Asia)
Online Banking Transaction Rewards
Enjoy up to a maximum accumulated cash rewards of HK$3,000
During the Promotion Period, eligible customers who complete the registration form and complete designated transaction categories via Personal Internet Banking, Mobile Banking or "ICBC Smart Invest" APP (collectively referred to as "Online Channels") can enjoy up to a maximum accumulated cash rewards of HK$3,000*.
Promotion Period: 1 April 2026 to 30 September 2026 (both dates inclusive)
| Designated Transaction Category | Transaction Requirement | Cash Reward |
| A: Foreign Exchange1,2 | Every accumulated transaction amount of HK$100,000 or equivalent | HK$50 |
| B: Structured Deposit/Currency Linked Contract2,3,4 | Every accumulated transaction amount of HK$100,000 or equivalent | HK$100 |
| C: Bond/Certificate of Deposit2,5,6 | Every accumulated transaction amount of HK$100,000 or equivalent | HK$100 |
| Maximum accumulated amount of cash rewards every customer is entitled to | HK$3,000 | |
*Each eligible customer can enjoy up to a maximum accumulated cash rewards of HK$3,000. The quota is limited to 500 while supplies last.
Remarks
Only applicable to eligible customers specified. Eligible customers are defined as the customers who did not conduct any Foreign Exchange transaction(s) via the Bank's Online Channels between 1 Jan 2025 and 31 December 2025 (both dates inclusive).
For non-HK$ denominated transactions, the accumulated transaction amount will be calculated based on the foreign exchange rate determined by the Bank as of the transaction date for calculation of the reward.
| Transaction Period | The relevant transaction amount will be calculated by converting it into HK$ based on the foreign exchange rate determined by the Bank as of the date specified below |
| 1 April 2026 to 30 September 2026 | 30 September 2026 |
Only applicable to eligible customers specified. Eligible customers are defined as the customers who did not conduct any Structured Deposit or Currency Linked Contract transaction(s) via the Bank's Online Channels between 1 Jan 2025 and 31 December 2025 (both dates inclusive).
This offer is applicable to any Structured Deposit and the Currency Linked Contract with investment tenor of 2 weeks or above.
Only applicable to eligible customers specified. Eligible customers are defined as the customers who did not invest in any bond or conduct any certificate of deposit via the Bank's Online Channels between 1 Jan 2025 and 31 December 2025 (both dates inclusive).
Eligible bonds exclude Retail Initial Public Offerings (IPO) Bonds.
Investment involves risk. Terms and Conditions apply. Please click here for details.
Reminders:
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Don’t lend or sell your account. Don’t risk your future for quick money.
Investment involves risk. Subject to relevant Terms and Conditions.
Risk Disclosures:
Investment involves risks. The prices of investment 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 investment. Past performance of any investment is no guide to its future performance. Structured Deposit, Currency-Linked Contract and Bond/Certificate of Deposit are NOT a protected deposit and are NOT protected by the Deposit Protection Scheme in Hong Kong.
Bond – Risk Disclosure Statement:
Issuer Credit Risk: Bonds are subject to the risk of the issuer defaulting on its obligations. It should also be noted that credit ratings assigned by credit rating agencies do not guarantee the creditworthiness of the issuer; In the worst case scenario, you may lose the entire investment with no coupon received.
Interest Rate Risk: The price of bond is subject to interest rate fluctuation. You may incur a loss if you want to sell the bond before maturity.
Exchange Rate Risk (Applicable to bond denominated in a foreign currency): Any fall in the foreign currency will reduce the amount you receive when you convert a payment of interest or principal back into your local currency.
Risks relating to RMB: The Chinese Renminbi is currently a restricted currency. Due to the exchange controls and/or restrictions which may be imposed by the PRC government on the convertibility or utilization of RMB from time to time, there is no guarantee that disruption in the transferability, convertibility or liquidity of RMB will not occur. There is thus a likelihood that you may not be able to convert the Chinese RMB received into other freely convertible currencies.
Liquidity Risk: If you wish to sell the bond before maturity, there may be no ready secondary market. You should consider your need for cash during the investment period.
Event Risk: Events including but not limited to bond issuer undertakes a leverage buyout, debt restructuring, merger or recapitalization can cause the price of bond to drop. In case the corporate restructurings are financed by the issuance of a large amount of new debt-burden, the company's ability to pay off existing bonds will be weakened.
Event Risk: Events including but not limited to bond issuer undertakes a leverage buyout, debt restructuring, merger or recapitalization can cause the price of bond to drop. In case the corporate restructurings are financed by the issuance of a large amount of new debt-burden, the company's ability to pay off existing bonds will be weakened.
Special Features: You should pay extra attention to the following special features, such as variability of payment, deferral of payment terms, extendable, exchangeable, convertible and with non-viability loss absorption feature, would also affect the certainty of your interest payments.
High-yield bonds: You might need to face a higher credit risk as high yield bonds are typically rated below investment grade or are unrated. Moreover, they are more vulnerable to adverse economic cycle.
Last but not least, if you subscribe bond listed under Chapter 37 of the Main Board Listing Rules on HKEx, then you should pay attention to disclaimer statement by HKEx in the Relevant Document - HKEx takes no responsibility for the contents of the listing document and make no representation as to its accuracy or completeness, the issuer accepts full responsibility for the accuracy of the information contained in the listing document.
Certificate of Deposit (“CD”) – Risk Disclosure Statement:
Issuer risk: The CD is issued by ICBC (Asia). If ICBC (Asia) becomes bankrupt or default, you may lose part or the whole of your investment amount. In the worst case scenario, depositor may lose the entire investment with nocoupon received.
Risks relating to RMB: The Chinese Renminbi is currently a restricted currency. Due to the exchange controls and/or restrictions which may be imposed by the PRC government on the convertibility or utilization of RMB from time to time, there is no guarantee that disruption in the transferability, convertibility or liquidity of RMB will not occur. There is thus a likelihood that you may not be able to convert the Chinese Renminbi received into other freely convertible currencies.
All payments in respect of the CD will be made solely by transfer to a RMB bank account maintained in Hong Kong in accordance with prevailing rules and regulations.
Interest Rate Risk: The return on the CDs may decrease with changes in relevant interest rates during the term of the Deposit.
Liquidity Risk: As the CD has its specific maturity date, if depositor wishes to sell or transfer the CDs before maturity, there may be no ready secondary market. The selling value of the CD (if any) may be affected by market factors and may be lower than the principal amount. In the event of early withdrawal, depositor may incur a significant loss of principal where the proceeds may be substantially lower than the invested amount. Therefore depositor should consider your need for cash during the deposit period and be prepared to hold the CD till maturity.
Important Notice:
The above risk disclosure statements cannot disclose all the risks involved. If you wish to obtain the comprehensive risk disclosure, please approach our branch staff for enquiries. Before making investment decision, you should thoroughly study the offering documents, financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances including financial position, investment experience and objective to ensure the investment is suitable for your particular investment needs and risk tolerance capacity. You should seek independent financial and professional advice before any trading or investment. This promotional material does not constitute an offer or solicitation for the purchase or sales of any investment products. This promotional material is issued by Industrial and Commercial Bank of China (Asia) Limited (the “Bank”) and the contents have not been reviewed by Securities and Futures Commission.
The Bank distributes the fund and equity-linked investment products for the fund houses or product issuers and those investment products are the product of fund houses or product issuers 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 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 fund and equity-linked investment products should be resolved directly between the fund houses or product issuers and the customer.
“The Bank” is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.