Wise Gold Customer Promotion - ICBC (Asia)

Remarks:

Average Daily Total Liquid Assets (TLA) includes all deposit balances and the market value of investments in the Bank. For sole-name account holders, the deposit balances and the market value of investments of their other joint-name account(s) will also be counted. TLA of joint-name account will be counted as the TLA of the primary account holder only.

Rebates will be offered through free credit card spending limit under the ICBC Wise Gold Dual Currency Credit Card - UnionPay Diamond Card / ICBC Wise Gold Credit Card - World Mastercard.

Eligible Transaction includes (1) Investment Fund Subscription (Only applicable to lump sum fund subscription with subscription fee high than or equal to 0.6%. Not applicable to money market fund transaction, fund switching, fund redemption and Fund Monthly Saving Plan subscription.), or (2) Currency Linked Contract, or (3) Structured Deposit, or (4) Buy/sell stock, or (5) Investment Fund Transfer in, or (6) FX Trading. For the details of the definition of eligible transaction, please refer to the relevant terms and conditions.

Currency Linked Contract is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.

Structured Deposit is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.

New Investment Fund Customer is defined as the customers who did not conduct the fund subscription (not include fund switching and subscription via Fund Monthly Saving Plan) between 1 August 2025 and 31 July 2026 (both dates inclusive).

New Investment Customer is defined as the customers who did not have secondary market bond and equity linked investments subscription between 1 August 2025 and 31 July 2026 (both dates inclusive).

Eligible Transaction includes invest in any secondary market bond and/or equity linked investment product.

Deposits in Current Account and Savings Account and Time Deposits NOT exceeding a term of five years of “Wise Gold Account” are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.

Welcome offer is valid for successful application from 1 October 2026 to 31 December 2026. Successful applicant of Principal ICBC Wise Gold Dual Currency Credit Card / ICBC Wise Gold Credit Card is required to spend or cash advance once within the first 2 months of card issuance. Existing ICBC (Asia) Credit Card Cardholders who hold any of ICBC (Asia) credit card or those who have cancelled any ICBC (Asia) Credit Card (includes Affinity Card) in the past 12 months will not be eligible for the Welcome Offer.

Designated spending requirement of welcome offer is not including to the balance transfer, cash installment loan amount/tax loan and personal loan amount/merchant installment loan amount and the repayment amount, reload/transfer of e-wallet (including but not limited to Alipay, PayMe, Tap & Go and WeChat Pay), Octopus Add Value/Automatic Add Value transactions, donations, purchase of casino chips, gambling transactions, unauthorized transactions, autopay transactions, all payment type (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, insurance payment or utilities bills payment, tax payment, payment for MPF contribution etc. Or other categories as ICBC (Asia) may determine from time to time in its sole discretion). Also, the Rewards are not applicable to the transactions of supermarkets, fuel, transportation fees, property, motor vehicle, wholesale, hospital and tuition in China etc. (transaction types are determined according to the merchant categories as defined time to time by Visa, Mastercard and UnionPay and reserves the right to change the merchant categories from time to time, or at its sole discretion of Industrial and Commercial Bank of China and (Asia) Limited). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

Cash Rebate and Bonus Points are not applicable to cash advances, balance transfer, cash installment loan amount/tax loan and personal loan amount/merchant installment loan amount and the repayment amount, purchase/reload/transfer of e-wallet (including but not limited to Alipay, PayMe, Tap & Go and WeChat Pay), Financial Institutions transactions (including but not limited to Securities Brokers and Dealers etc), Octopus Add Value/Automatic Add Value transactions, donations, purchase of casino chips, gambling transactions, unauthorized transactions, autopay transactions, video game arcades/establishments, motion picture theatres, parking lots and garages, automobile rentals, fuel, transportation fees, all payment types (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, telecommunications fees, membership fees, insurance payment or utilities bills payment, charitable/non-profit organization transactions, tax payment, payment for MPF contribution etc. or other categories as ICBC (Asia) may determine from time to time in its sole discretion). Also, the Rewards are not applicable to the transactions of supermarkets, property, motor vehicle, wholesale, hospital, tuition and other related merchants in China etc. (transaction types are determined according to the merchant categories as defined time to time by Visa, Mastercard and UnionPay and reserves the right to change the merchant categories from time to time, or at its sole discretion of Industrial and Commercial Bank of China (Asia) Limited). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

The privileges and services are provided by Dragon Pass, and are subject to its relevant terms and conditions. For the promotion details, please visit the website of Dragon Pass or APP. ICBC (Asia) is not the provider of this service and will not be responsible for any related liabilities and obligations.

For the details of “Wise Gold” service charges, please refer to the Services Charges of the Bank.

Reminders:
To borrow or not to borrow? Borrow only if you can repay!
Don’t lend or sell your account. Don’t risk your future for quick money.
Investment involves risk. The above offers are subject to Terms and Conditions.

Investment Product Risk Disclosure:

Investment involves risks. The prices of an investment product 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 product. Past performance of any investment is no guide to its future performance.

Foreign Exchange Risk Disclosure:

Currency conversion risk - the value of your foreign currency will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to foreign currency, you may suffer loss in principal.

Investment Funds Risk Disclosure:

Investment in investment funds involves risks. The prices of an investment fund 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 funds. When investment denominated in non-local currencies, please be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Past performance of any investment is no guide to its future performance.

Bonds Risk Disclosure:

Bonds are mainly for medium to long term investment and you should be prepared to invest your funds in bonds for the full investment tenor; you could lose part or all of your investment if you choose to sell bonds prior to maturity. You should bear the credit risk of the issuer. The price of bonds may fluctuate and the factors affecting market price of bonds include, but not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. ICBC (Asia) does not guarantee the existence of secondary market. Bond is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. The Bank distributes the bond product for the bond issuer and the related product is a product of bond issuer but not that of the Bank.

Equity-Linked Investment Risk Disclosure:

Equity-Linked Investment is NOT a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. Investment in equity-linked investment involves substantial risks including market risk, liquidity risk, and the risk that the issuer(s) who will be unable to satisfy its obligations under the equity-linked investment. Investors should read the relevant prospectus, information memorandum and/or offering documents to ensure that they understand the nature of all of these risks before making a decision to invest in equity-linked investment. The Products are structured products involving derivatives. The investment decision is yours but you should not invest in the Products unless the intermediary has explained to you that the Product(s) is/are suitable for you having regard to your financial situation, investment experience and investment objectives. The Bank distributes the products of Equity Linked Investment and the related products are the products of the issuer of the Equity Linked Investment but not that of the Bank.

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.

“ICBC (Asia)” or “The Bank” is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.