CMB Wing Lung Credit Card Banking Services Offers
Property Mortgage Loan Services Offer
CMB Wing Lung Luxe Visa Infinite Cardholder, who holds CMB Wing Lung Sunflower Service Account, can enjoy a preferential rate on HIBOR-based mortgage plan (CMB Wing Lung Bank Limited’s (“the Bank”) HIBOR interest rate is subject to change from time to time on the Bank’s sole discretion without further notice), upon successful application of Property Mortgage Loan Services with an aggregate drawdown amount of HKD3 million or above.
Fixed Deposit Offer
CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card Cardholder can enjoy preferential fixed deposit interest rate at any branches of the Bank by presenting CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card. The actual annual interest rate will be published according to the Bank from time to time, for details, please contact the Bank’s staff.
Issuance of Bank's Cashier Order and Bank’s Gift Cheque Offer
CMB Wing Lung Credit Card Cardholder, who holds deposit account(s) of the Bank, can enjoy 50% discount on handling charges for issuance of the Bank’s Cashier Order or purchase of the Bank’s Gift Cheque at any branches of the Bank by presenting CMB Wing Lung Credit Card, customer can enjoy up to 3 pieces of Bank’s Cashier Orders and 3 pieces of Bank’s Gift Cheques handling charge 50% discount per day.
CMB Wing Lung Insurance Company Limited (“CMB Wing Lung Insurance”) General Insurance Products Premium Discount Offer for the First Year via the Bank’s website or CMB Wing Lung Bank Mobile Application
CMB Wing Lung Credit Card Cardholder can enjoy the following premium discount offer for the first year by applying designated CMB Wing Lung Insurance General Insurance Products via the Bank’s website or CMB Wing Lung Bank Mobile Application:
| Types of General Insurance Products | Premium Discount Offer for the First Year |
|---|---|
| CMB Wing Lung
Luxe Visa Infinite / CMB Wing Lung Corporate Card / Other CMB Wing Lung Credit Card |
|
| Sweet Home Insurance | 30% discount |
| Travel Insurance
2.0 (Single Journey) |
30% discount |
| Travel Insurance 2.0 (Annual Cover) |
30% discount |
| Personal Accident (Plus) Insurance |
30% discount |
| Helper Insurance
(Offer Applies to Plan B and Plan C) Insurance |
30% discount |
The offers are subject to relevant terms and conditions.
Warning: To borrow or not to borrow? Borrow only if you can repay!
- The offer period of 2024 CMB Wing Lung Credit Card Banking Services Offers (“this Offer”) is from 1st January 2024 to 31st December 2024 (both dates are inclusive) (“the Offer Period”).
- CMB Wing Lung Credit Card Cardholder must present the CMB Wing Lung Credit Card before enjoying each offer of this Offer. Unless otherwise specified, this Offer is not applicable to CMB Wing Lung Corporate Card Cardholder.
- Each offer of this Offer is subject to separate terms and conditions. CMB Wing Lung Bank Limited (“the Bank”) has the right to amend, change or cancel any of the offers or terms at any time without further notice.
- All offers are not transferable and cannot be converted into cash.
- The Bank reserves the rights of final approval to all the application of each offer.
- In case of any dispute, the Bank reserves the right of final decision.
- For any enquiries of each offer of this Offer, CMB Wing Lung Credit Card Cardholder can contact our Customer Services Hotline at 230 95555 or CMB Wing Lung Insurance Company Limited (“CMB Wing Lung Insurance”) Enquiry Hotline at 3508 1040 (applicable to General Insurance Products Premium Discount Offer for the First Year) or contact the branch staff of the Bank.
- In case of discrepancies between the English and Chinese versions of the terms and conditions of this Offer, the English version shall prevail.
- General Terms and Conditions of this Offer are applicable to the terms and conditions of each offer below.
- Customer must apply for Property Mortgage Loan Services during the Offer Period and successfully drawdown in full on or before 31st December 2024 to enjoy Property Mortgage Loan Services Offer (“this Offer”).
- This Offer is only applicable to residential property. This Offer is not applicable to applications referred by agents and cannot be used in conjunction with other offers.
- This Offer is subject to these Terms and Conditions and the Bank’s “MORTGAGE WITH PROPERTY AS COLLATERAL - TERMS AND CONDITIONS” for CMB Wing Lung Property Mortgage Loan Services.
- The preferential property mortgage interest rate offer is subject to the relevant terms and conditions. “HIBOR” means the Hong Kong Interbank Offered Rate which shall be determined by the Bank by reference to the HKAB HIBOR page (or its replacement) as of 11:00 a.m. (Hong Kong Time) on the first day of the relevant drawdown or rollover date. If the first day of an Interest Period is a Saturday, Sunday or public holiday, HIBOR will be determined on the immediately preceding business date. “Prime Rate” (P) means the Hong Kong Dollar Best Lending Rate from time to time quoted by the Bank, subject to market fluctuation.
- All application of Property Mortgage Loan Services is subject to, inter alia, the Bank’s credit policy and final approval.
- Fixed Deposit Offer (“this Offer”) is only applicable to CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card Cardholder. Cardholder can enjoy preferential fixed deposit interest rate at any branches of the Bank by presenting CMB Wing Lung Luxe Visa Infinite or CMB Wing Lung Credit Card Platinum Card.
- The preferential fixed deposit annual interest rates of this Offer are only applicable to the deposits of designated currencies and amount. The designated currencies and amount is HKD10,000 or above, USD1,000 or above, AUD1,000 or above, NZD1,000 or above, CAD1,000 or above and GBP1,000 or above respectively.
- All fixed deposits cannot be withdrawn, cancelled or terminated before maturity. If the customer withdraws, cancels or terminates the fixed deposits before maturity, the Bank will not disburse any interest, and charges will apply.
- This Offer cannot be used in conjunction with other offers of the Bank.
- Issuance of Bank's Cashier Order and Bank’s Gift Cheque Offer is only applicable to CMB Wing Lung Credit Card Cardholder who holds deposit account(s) of the Bank.
- Customer who complies with clause 1 above can enjoy 50% discount on handling charges for issuance of the Bank’s Cashier Order or purchase of the Bank’s Gift Cheque at any branches of the Bank by presenting CMB Wing Lung Credit Card, customer can enjoy up to 3 pieces of Bank’s Cashier Orders and 3 pieces of Bank’s Gift Cheques handling charge 50% discount per day.
- CMB Wing Lung Credit Card Cardholder can enjoy the following premium discount offer for the first year by applying designated CMB Wing Lung Insurance General Insurance Products via the Bank’s website or CMB Wing Lung Bank Mobile Application::
| Types of General Insurance Products | Premium Discount Offer for the First Year |
|---|---|
| CMB Wing Lung Luxe Visa Infinite / CMB Wing Lung Corporate Card / Other CMB Wing Lung Credit Card |
|
| Sweet Home Insurance | 30% discount |
| Travel Insurance 2.0 (Single Journey) |
30% discount |
| Travel Insurance 2.0 (Annual Cover) |
30% discount |
| Personal Accident (Plus) Insurance |
30% discount |
| Helper Insurance (Offer Applies
to Plan B and Plan C) Insurance |
30% discount |
- Premium Discount Offer for “Sweet Home Insurance”, “Travel Insurance 2.0” (Annual Cover), “Helper Insurance” and “Personal Accident (Plus) Insurance” are only applicable to new customer who holds CMB Wing Lung Credit Card. “New customer” means policyholder who has not held any similar types of policy(ies) issued by CMB Wing Lung Insurance in the past 6 months.
- Minimum premium requirement is applicable for specific general insurance products.
- Regarding the offer details, protection coverage and terms and conditions of each insurance products, please refer to relevant terms and conditions of the product or contact the staff of CMB Wing Lung Insurance for enquiry.
- The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.
- The above mentioned insurance product is underwritten by CMB Wing Lung Insurance Company Limited (CMB Wing Lung Insurance). The insurance product is not the product of CMB Wing Lung Bank Limited (The Bank).
- CMB Wing Lung Bank Limited is the Appointed Insurance Agency (Insurance Authority Licensed Insurance Agency Number: FA3403) of CMB Wing Lung Insurance. The insurance products the Bank can promote, advise on or arrange are limited to the insurance products offered by the appointing insurer.
- CMB Wing Lung Insurance is authorized and supervised by Insurance Authority to operate general insurance business in Hong Kong Special Administrative Region.
- 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 insurance product should be resolved between CMB Wing Lung Insurance and the customer directly.
- CMB Wing Lung Insurance has reserved the absolute rights to determine whether to accept the application of the above mentioned insurance product based on the information of applicant/insured person provided on the application.
- CMB Wing Lung Insurance could amend or cancel the terms and conditions of the above mentioned insurance product from time to time without prior notice. CMB Wing Lung Insurance reserved the final decision rights in case of any disputes.
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