This is an investment product and some may involve derivatives. The investment decision is yours but you should not invest in the investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

The above information is for reference only and does not constitute and should not be regarded as any offer to purchase or sell. Investment involves risks and the price of investment products may fluctuate or even become worthless. Past record is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the risk disclosure statements in the prospectus of the investment product before making any investment decisions. The above information has not been reviewed by the Securities and Futures Commission of Hong Kong.

1. The offer period of 2023 CMB Wing Lung Credit Card Banking Services Offers (“this Offer”) is from 1^st January 2023 to 31^st December 2023 (both dates are inclusive) (“the Offer Period”).
2. 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.
3. 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.
4. All offers are not transferable and cannot be converted into cash.
5. The Bank and its subsidiary companies reserve the rights of final approval to all the application of each offer.
6. In case of any dispute, the Bank reserves the right of final decision.
7. 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.
8. In case of discrepancies between the English and Chinese versions of the terms and conditions of this Offer, the English version shall prevail.
9. General Terms and Conditions of this Offer are applicable to the terms and conditions of each offer below.

1. Customer must apply for Property Mortgage Loan Services during the Offer Period and successfully drawdown in full on or before 31^st December 2023 to enjoy Property Mortgage Loan Services Offer (“this Offer”).
2. 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.
3. 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.
4. 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. “Prime Rate” means the Best Lending Rate from time to time quoted by the Bank, the current Prime Rate is 5.875% per annum, subject to market fluctuation.
5. All application of Property Mortgage Loan Services is subject to, inter alia, the Bank’s credit policy and final approval.

1. 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.
2. 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.
3. 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.
4. This Offer cannot be used in conjunction with other offers of the Bank.

1. Fund Investment Services Offer (“this Offer”) is only applicable to CMB Wing Lung Luxe Visa Infinite Cardholder who subscribes fund investment services at any branches of the Bank.
2. CMB Wing Lung Luxe Visa Infinite Cardholder can enjoy 1.8% fund subscription fee offer for subscription of lump sum fund investment through any branches of the Bank with amount of HKD100,000 or above by presenting CMB Wing Lung Luxe Visa Infinite.
3. This Offer is calculated based on the aggregate subscription amount of simultaneous investment funds. This Offer is not applicable to the investment funds with no subscription fees, money market funds or any other funds designated by the Bank.

1. 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.
2. 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.

1. 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 Wintech:

2. 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.
3. Minimum premium requirement is applicable for specific general insurance products.
4. 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.
5. 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.
6. 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).
7. 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.
8. CMB Wing Lung Insurance is authorized and supervised by Insurance Authority to operate general insurance business in Hong Kong Special Administrative Region.
9. 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.
10. 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.
11. 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.