Join CCB (Asia) Private Wealth

Enjoy Fabulous Rewards
of up to HK$93,888 and Up to 8.88% p.a. Preferential Time Deposit Interest Rate

Seize opportunities to connect to a world of unlimited advantages with CCB (Asia) Private Wealth
From July 2, 2026 to September 30, 2026 (“Promotion Period”), enjoy fabulous rewards of up to HK$93,888 and Up to 8.88% p.a. Preferential Time Deposit Interest Rate by joining as a new Private Wealth customer!
Welcome Reward for New Private Wealth Customers
HK$10,500 credit card free spending credit
New customers1 who sign up to become CCB (Asia) Private Wealth customers and fulfill the designated requirements as below, can enjoy a welcome reward of HK$10,500 credit card free spending credit!
  • Hold Assets Under Management in the amount of HK$8,000,000 or above (HKD or Equivalent) and
  • Register for Mobile Banking/ Online Banking and
  • Hold a valid CCB (Asia) Credit Card2
An array of Fabulous Wealth Management Rewards
Up to HK$83,388
Investment Products Transaction3
Enjoy up to HK$26,500 Cash Rewards and up to 7.8% p.a. New Fund Time Deposit Interest Rate
Click here to learn more
Mutual Fund Transfer-in4
Enjoy up to HK$10,000 Cash Reward
Click here to learn more
Equity Linked Investment Product Subscription5
Enjoy up to HK$28,888 Cash Reward
Click here to learn more
Online Foreign Exchange6
Enjoy up to HK$18,000 equivalent Foreign Currency Cash Rewards
Click here to learn more
Securities Offers5
Enjoy a $0 Unlimited Brokerage Fee Waiver for US Securities Trades, along with New Securities Customers Welcome Offers and other Securities Investment Advantages
Click here to learn more
Within the promotion period, new Private Wealth customers can enjoy up to 8.88% p.a. Preferential Time Deposit Interest Rate*! Click here to learn more.

Eligible Time Deposit Currency for First 15% of the Time Deposit Amount:
  • HKD / RMB: 7.88% p.a. preferential time deposit interest rate*
  • USD / GBP / AUD / NZD / CAD: 8.88% p.a. preferential time deposit interest rate*
Example: AUD Time Deposit Placement:
AUD181,500 × 92days^ / 360days × [(8.88% x 1st 15%) + (4% x remaining 85%)] = AUD2,195
(If using AUD/HKD rate of 5.51, amounting to approximately HKD12,095. The above example is for reference only.)
*
Eligible customers are required to place a 3-month time deposit with a new fund amount ranging from HK$1,000,000 to HK$5,000,000 (or its equivalent). The first 15% of the new fund amount will be granted with up to 8.88% p.a. preferential time deposit interest rate, while the remaining 85% of the new fund amount will be granted with new Private Wealth customer time deposit rate, please contact the Private Wealth’s Relationship Mangers for details.
^
The above calculation is based on time deposit period from July 2, 2026 to October 2, 2026.
Register FPS to get HK$100 Cash Reward
From now until September 30, 2026, new customer1 who successfully register for Faster Payment System (“FPS”) and set CCB (Asia) as default recipient bank can enjoy extra HK$100 Cash Reward!
Private Wealth Customer Referral Promotion
From now until September 30, 2026, existing CCB (Asia) Private Banking customers/ Personal Banking customers/ Credit Card customers who successfully refer eligible customers to join as new Private Wealth customers can enjoy a reward of HK$3,888 for each referral7! Click here to learn more
Become a Private Wealth customer now to enjoy fabulous rewards!
Remarks:
  1. New customers must not maintain any accounts or any banking products or services in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Wealth of the Bank.
  2. Customers must be a principal cardmember of CCB (Asia) Credit Card.
  3. Investment Products Transaction Offers Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/wmrewards/en.
  4. Mutual Fund Transfer-in Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/mfpromo/en.
  5. Securities and Equity Linked Investment Product Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/secpromo/en.
  6. Online Foreign Exchange Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/fxpromo/en.
  7. Private Wealth Customer Referral Promotion
    The promotion period is from April 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to www.asia.ccb.com/hk/pw/mgm/en.

The above offers and services are bound by terms and conditions. For details, please refer to the relevant terms and conditions or contact our staff.
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Private Wealth Hotline: (852) 2903 8335 / 3918 6883

To borrow or not to borrow? Borrow only if you can repay!


Terms & Conditions
Terms and Conditions for CCB (Asia) Private Wealth New Customer Promotion (the “Promotion”)

A. General Terms and Conditions
  1. 1.
    The promotion period is from July 2, 2026 to September 30, 2026, both dates inclusive ("Promotion Period")..
  2. 2.
    The Promotion is not applicable to staff of China Construction Bank (Asia) Corporation Limited (the “Bank”) and the Bank's affiliates, and Capital Investment Entrant Scheme customers.
  3. 3.
    Under this Promotion,
    1. Definition of New Customer: refers to a new customer who did not maintain any account or use any banking product or service in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Wealth of the Bank;
    2. Definition of Eligible Customer: refers to a New Customer who has become a Private Wealth customer of the Bank and opens a savings/ checking account within the Promotion Period.
  5. 4.
    The Welcome Offer listed in Section B below are limited and granted on a first-come-first-served basis.
  6. 5.
    Customer will be entitled to the offers as specified under Section B only once during the Promotion Period. In case of a joint account, only the primary account holder will be eligible for the offers. The Bank reserves the right to determine the eligibility of a customer for this Promotion.
  7. 6.
    If a customer is also entitled to other promotional offers of the Bank, the Bank reserves the right of final decision for providing the related offers to the customer.
  8. 7.
    If a customer terminates or cancels any of the relevant services in respect of which offers would be awarded, or no longer holds any valid Private Wealth account with the Bank before or at the time of receiving the relevant offers, he/she will be disqualified from entitlement for the offers.
  9. 8.
    If an Eligible Customer terminates his/her Private Wealth account within 12 months of joining, the customer shall pay the Bank a handling charge of HK$2,500 and such other charges as the Bank may determine from time to time. Please contact our staff for details.
  10. 9.
    The Bank reserves the rights to suspend, modify or terminate the Promotion and change these Terms and Conditions at any time without prior notice.
  11. 10.
    Customers are also bound by the Terms and Conditions for the relevant banking products and services. Please refer to the relevant promotional materials, visit the official website of the Bank or contact our staff for details.
  12. 11.
    The Bank has the final discretion on account opening.
  13. 12.
    In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.

B. Offer Details
  1. 13.
    Welcome Reward (“Welcome Offer”)
    1. 13.1
      An Eligible Customer must open a Savings or Checking account with the Bank and become a new Private Wealth customer of the Bank within the Promotion Period (“Account Opening Month”), and fulfill the following requirements within the Account Opening Month in order to entitled to the HK$10,500 Credit card free spending credit:
      1. Maintain the designated Assets Under Management of HK$8,000,000 (HKD or equivalent) during the Private Wealth Account Opening Month and at the time of receiving the cash reward; and
      2. Successfully register for Mobile Banking/ Online Banking; and
      3. Hold a principal credit card(s) (except Business Card) issued by China Construction Bank (Asia) Corporation Limited (Eligible Card(s)").
    2. 13.2
      Under this Promotion, Assets Under Management is defined as follows:
      1. A customer's Assets Under Management shall be calculated by the Bank in accordance with:
        1. the customer's deposit balances in all deposit accounts at the Bank held in the Customer's sole name, and in any such account at the Bank held jointly by the customer with any other person(s) (excluding the balance of a dedicated investment account for Wealth Management Connect Northbound Scheme maintained with CCB in Mainland); and
        2. the customer's investment balance which shall be calculated with reference to the balance in any investment account at the Bank in the customer's sole name, and in any such account at the Bank held jointly by the customer with any other person(s); and
        3. the value of total premium paid or cash value/policy value as provided by the relevant insurance company(ies) on a regular basis, whichever is higher, of the selected insurance plan(s) underwritten by the designated insurance company(ies) that the Customer has purchased through the Bank (excluding those insurance plan(s) underwritten by the insurance company(ies) with which the Bank has terminated the Bancassurance relationships) (“Insurance Balance”), and regarding the Insurance Balance, the relevant insurance company(ies)’s record shall prevail, the Bank takes no responsibility to its accuracy or completeness, and disclaims any liability for any loss arising from or in reliance of such Insurance Balance; less
        4. any of the Customer's temporary overdrafts that remain unpaid.
      2. There may be time lag before the balance of certain investment transactions and the Insurance Balance will be included in the Assets Under Management due to the processing time required and therefore may affect the Assets Under Management. In such circumstances, the Bank has the absolute sole discretion to determine the investment balance and the Insurance Balance.
    3. 13.3
      The Bank will credit the Welcome Offer to the customer's valid principal card of eligible credit card with the Bank according to the time schedule below. If an Eligible Customer has more than one CCB (Asia) Credit Card principal cards, the relevant reward will be credited to one of the credit card accounts. Eligible Customer must still be a valid Private Wealth customer of the Bank (the required minimum amount of the Assets Under Management for the Private Wealth customer must be HK$8,000,000 or equivalent) and maintain a valid Mobile Banking or Online Banking at the time of receipt of the cash rewards. Otherwise, the Welcome Offer will be forfeited absolutely and will not be provided to the Eligible Customers through any other means. Eligible Customer must hold valid CCB (Asia) Credit Card principal card (except Business Card) at time the Welcome Offer is credited. The Welcome Offer can only be applied against outstanding in Card account statement. The Welcome Offer cannot be converted into cash, and/or withdrawn as cash and is not transferable.
      Private Wealth Account Opening Date Date of Crediting the Welcome Offer
      July 2, 2026 to September 30, 2026 On or before December 31, 2026
    4. 13.4
      If an Eligible Customer submit CCB (Asia) Credit Card principal card application (except Business Card) and ALL relevant documents required for the application, including but not limited to (1) Valid Hong Kong Identity Card; OR Resident Identity Card of the People’s Republic of China and Hong Kong Visa / Entry Permits; (2) Current residential proof (dated within the latest 3-months and same as the one as stated in the credit card application form); AND (3) Income / Asset Proof (e.g. latest 1-month salary slip or latest 3-months personal bank statement / bank passbook) during Promotion Period already but the application is declined by the Bank, the reward will be credited to his/her Multi-Currency Statement Savings Account and/or HKD Statement Savings Account (excluding “Step Up Savings Account”).
  2. 14.
    Faster Payment System (“FPS”) Default Reward (“FPS Default Reward”)
    1. 14.1
      Eligible Customer must fulfill the requirements as stated from the clause 14.1(a) to 14.1(c) during the Promotion Period to enjoy the HKD100 cash reward. Each Eligible Customer will be entitled to the FPS Default Reward under the Promotion once only.
      1. Only applicable to customers who do not have FPS default recipient bank record with the Bank as of June 30, 2026, AND
      2. Complete FPS registration service for HKD and RMB accounts successfully and set the Bank as the “Default Recipient Bank” (HKD and RMB accounts) by using a mobile number or email address (HKID number is not applicable for this reward) through the Bank’s Online Banking / Mobile Banking; AND
      3. Eligible Customer must maintain the setting of the Bank as default recipient bank” (HKD and RMB accounts) at the time of receiving the FPS Default Reward. Otherwise, the cash reward will be forfeited absolutely and will not be provided to the Eligible Customer.
    2. 14.2
      Under The FPS record is determined according to the Bank’s record. In case of dispute, the decision of the Bank shall be final and conclusive.
    3. 14.3
      The FPS Default Reward will be credited directly to the Eligible Customers' valid settlement account for Packaged Banking or HKD Savings /Checking account (excluding “Step Up Savings Account”) opened most recently according to the time schedule below. Otherwise, the reward will be forfeited and will not be provided to the Eligible Customer through any other means. Below is the reward fulfillment time schedule:
      Date of completing FPS Default Date of crediting FPS Default Reward
      July 2, 2026 to September 30, 2026 On or before December 31, 2026
  3. 15.
    Investment Products Transaction Offers Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to “Investment Products Transaction Offers Promotion” website at www.asia.ccb.com/hk/wmrewards/en.
  4. 16.
    Mutual Fund Transfer-in Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to “Mutual Fund Transfer-in Promotion” website at www.asia.ccb.com/hk/mfpromo/en.
  5. 17.
    Securities and Equity Linked Investment Product Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to “Securities and Equity Linked Investment Product Promotion” website at www.asia.ccb.com/hk/secpromo/en.
  6. 18.
    Online Foreign Exchange Promotion
    The promotion period is from July 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to “Online Foreign Exchange Promotion” website at www.asia.ccb.com/hk/fxpromo/en.
  7. 19.
    Private Wealth Customer Referral Promotion
    The promotion period is from April 1, 2026 to September 30, 2026. For more details and terms and conditions, please refer to “Private Wealth Customer Referral Promotion” website at www.asia.ccb.com/hk/pw/mgm/en.

Important Notes:
  • Investment involves risk, prices of investment product may go up as well as down, and may become valueless.
  • Some mutual funds and bonds may involve derivatives. Structured equity-linked products and FX Linked Deposits are structured products involving derivatives. The investment decision is yours but you should not invest in an 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.
  • Insurance products and Investment products including FX Linked Deposits and Structured Equity-linked Products are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Some FX Linked Deposits and Structured Equity-linked Products are not principal-protected while some FX Linked Deposits and Structured Equity-linked Products are principal-protected conditionally.
  • You should obtain independent professional financial, tax or legal advice before making any investment decision.
Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this promotion material alone. Before making any investment decision, customers should consult their own independent professional financial, tax or legal advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products.

Securities Trading
It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.

Securities Margin Trading
If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position and investment objectives.

Mutual Fund Investment
The past performance of a mutual fund is not a guide to its future performance and yields are not guaranteed. Customers could lose some or all of the principal amount invested. Funds are not obligations of, or guaranteed by, the Bank or any of its affiliates. The Bank will normally be paid a commission or rebate by the fund manager.

Bond Trading
Trading of bond involves liquidity risk and interest rate risk and there is no 100% guarantee of positive return but loss may be incurred. There are risks that the bond issuer will be unable to promptly pay the client the interest or principal if a credit event or default occurs on the bond issuer. Investing in emerging markets bonds involves special consideration and higher risks, such as greater price volatility, less developed regulatory and legal framework, economic, social and political instability, etc.

Structured Investment Product
Structured Investment Products are structured products which involves derivatives and substantial risks including, among others, market risks, liquidity risks, risks relating to changes in market conditions, counterparty risks, and the risks that the issuer(s) will be unable to satisfy its obligations under the structured investment products. Customers should recognize that their structured investment products may mature worthless. While the maximum return on a structured investment product is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying asset price moves substantially against the investor’s view.

FX Linked Deposit
FX Linked Deposit - High Yield Deposit
FX Linked Deposit - High Yield Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. This product is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. FX Linked Deposit - High Yield Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate this product.

FX Linked Deposit - Principal Protected Deposit
FX Linked Deposit - Principal Protected Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposit. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. This product is an unlisted investment product and is not protected by the Investor Compensation Fund. This product is principal protected conditionally and is subject to the credit risk of the Bank. Investing in FX Linked Deposit – Principal Protected Deposit is not the same as directly buying the relevant currencies. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. The principal amount and the interest will be paid in the Deposit Currency. Besides, whether or not you will receive the high interest, if the Deposit Currency is not in your home currency, you may suffer a loss due to the currency risk originated by the Deposit Currency’s exchange rate fluctuations, which may offset or even exceed any potential gain. FX Linked Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - Principal Protected Deposit and it is not collateralized. You should also pay attention to the relevant market risk and the risk of early termination by the Bank upon occurrence of certain events.

(Only applicable to Swap Deposit) If Currency Event Designation by the Bank (i.e. occurrence of any event or existence of any condition, such as the imposition of exchange controls or monetary measures, such that the convertibility or transferability of the Deposit Currency and the Linked Currency becomes impossible, illegal or impracticable) occurs, the Bank has the right to early terminate the Swap Deposit and will pay the Mandatory Redemption Amount in the Deposit Currency (instead of the Repayment Amount) only to the customer on the Mandatory Redemption Date. The Mandatory Redemption Amount may be substantially less than the Principal Amount and in the worst case, is zero.

Currency Exchange
Currency exchange involves bid-ask spread.

Exchange Rate Risk
Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.

RMB Currency Risk
RMB is currently not freely convertible and is subject to exchange controls and restrictions (which are subject to changes from time to time without notice). You should consider and understand the possible impact on your liquidity of RMB funds in advance. The fluctuation in the exchange rate of RMB may result in losses in the event that you convert RMB into other currencies. Onshore RMB and offshore RMB are traded in different and separate markets operating under different regulations and independent liquidity pool with different exchange rates. Their exchange rate movements may deviate significantly from each other.

Interest Rate Risk
If the client’s investments are interest rate-linked (such as bonds), the value of the investment can fall when interest rates rise. There is an inverse relationship between bond prices and bond yield, which means as bond prices go down, the yields go up (and vice versa). The price of a bond carries an interest rate risk because if interest rates rise, outstanding bonds will not remain competitive unless their yields and prices are adjusted to reflect the rise.

Online Investment Trading Services
Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.

Disclaimer of Online Investment Trading Services

Disclaimer
This promotion material is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference only, and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any investment product in or outside Hong Kong. The promotion material is issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, a licensed insurance agency under the Insurance Ordinance (Chapter 41, Laws of Hong Kong) and a Registered Institution (CE No. AAC155) under the Securities and Futures Ordinance to carry on Type 1 (Dealing in Securities) and Type 4 (Advising on Securities) Regulated Activities. This promotion material has not been reviewed by any regulatory authorities in Hong Kong.