Welcome Rewards for New WISE Banking Customers
Enjoy welcome rewards of over $2,300!
Welcome Rewards for New WISE Banking Customers
Enjoy welcome rewards of over $2,300!
HKD50,000 × 92 days/ 365 days × 5.88% = HKD741
RMB50,000 × 92 days/ 360 days × 5.88%=RMB751
upon visiting our branches to receive a
Application Reward
Credit Card
Featured Credit Cards:
- Detailseye Visa Signature Credit Card: Online shopping and contactless payment up to 2% cash rebate
- DetailsCCB (Asia) TRAVO World Mastercard: Overseas spending up to 4% cash rebate or HK$1.5/miles∆
- DetailsCCB (Asia) UnionPay Dual Currency Credit Card: Handling fee waiver for overseas spending and fabulous offers in Greater Bay Area
- Capture with sufficient light, avoid dark or messy background and reflective surface or blocking the light source;
- Hold the edge of the HKID card and avoid blocking any information on the card, do not place it on a flat surface;
- Keep your HKID card within the frame;
- According to the instruction, capture the HKID Card within the frame.
On the CCB (HK&MO) App homepage, tap ‘Time Deposit'
Select Time Deposit Placement
Click the ‘Set up Now' button under the 'New Customer Exclusive Limited-Time Preferential Time Deposit Rate' banner
Tap 'Reference Interest Rate' for current time deposit interest rates
Fill in required fields, review and complete your application
New Customer Referral Program
- After your account opening, simply invite your friends and family to complete the "New Customer Referral Form" online and complete account opening. For every successful referral of a new customer, you can enjoy up to HK$1,000 cash reward! The rewards are cumulative - refer more, earn more!
Hong Kong Securities Trading Offer
- Up to HK$8,888 Cash Reward for New Securities Customers
- Enjoy 0.939% p.a. Bonus HKD Savings Interest Rate for Stock Buy/Sell Trades
Personal Installment Loan Offer
CCBA Personal Installment Loan Up to 60 months repayment tenor. You can enjoy handling fee waiver and an array of fabulous offers upon successfully apply our Loan:
- Interest Rebate for 3 Months5, Monthly Flat Rate as low as 0.0939% (APR 2.17%)6, up to HK$11,500 Cash Rebate
- The 3-month 5.88% HKD/RMB time deposit calculation uses the period from 1 April 2026 to 2 July 2026 as the term.
- The offer is limited by quota and is available on a first-come-first-served basis while quota lasts.
- Only applicable to customer who did not hold any principal credit cards issued by CCB (Asia) at any time in the 12 months ending on the date of application. Credit card free spending credit will be credited to eligible credit card account in form of cash rebate.
- Designated credit cards include eye Visa Signature Credit Card, CCB (Asia) TRAVO World Mastercard and CCB (Asia) UnionPay Dual Currency Credit Card. Credit card free spending credit will be credited to eligible credit card account in form of cash rebate. Applicant must at any time in the 12 months ending on the date of application did not hold any principal credit cards issued by CCB (Asia) and applicant needs to fulfill the related requirement in order to enjoy the welcome gift (HK$800 cash rebate: Successfully apply for “Chill” Spending Installment Program with tenor of 6 months or above and minimum total installment amount of HK$15,000 in the first 3 months from Card issuance date. HK$600 cash rebate: Minimum total spending of HK$6,000 in the first 2 months from Card issuance date). Please refer to related webpage (eye Visa Signature Credit Card / CCB (Asia) TRAVO World Mastercard / CCB (Asia) UnionPay Dual Currency Credit Card) for details.
- During the promotion period, successful apply for Personal Installment Loan or Personal Loan for Employees of China’s State-Owned Enterprises and draw down a loan amount of 200,000 or above, and repay the remaining balance for more than 24 months, can enjoy a three-month interest rebate of a designated amount. Please refer to the Terms and Conditions for details.
- Assuming a loan amount of 500,000 and a repayment period of 24 months, a monthly flat rate of 0.0939% may apply, with the Annualized Percentage Rate ("APR") 2.17%. Monthly flat rate is only applicable to newly opened account under Private Banking, Private Wealth or Premier Banking customers of the Bank whose latest Credit Score of credit reference agency(ies) is within AA grade.
Enquiry Hotline: (852) 2903 8308
To borrow or not to borrow? Borrow only if you can repay!
Don't be tempted by quick money. Don't lend your bank account to anyone to launder money.
- The promotion period of the Program is from April 1, 2026 – June 30, 2026, both dates inclusive (“Promotion Period”).
- The Promotion is only applicable to new “WISE BANKING” customers or general personal banking customers (non Packaged Banking customers who solely use basic banking services including checking /savings account(s)) of China Construction Bank (Asia) Corporation Limited (the “Bank”) within the Promotion Period, and have not maintained any accounts in sole name or joint name or used any banking products or services (excluding Wealth Management Connect “Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program ("Eligible Customers"). The Program is not applicable to Private Banking customers, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers, “PREMIER BANKING” and “PRIVATE WEALTH” customers of the Bank. The Bank reserves the right to determine the eligibility of the customers for this Program.
- During the Promotion Period, Eligible Customers will be entitled to each of the offer (“Offer”) as specified under Section B for only once; for joint accounts, only the primary account holders will be entitled to the Offer and qualified as Eligible Customers.
- If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide either one offer to the Eligible Customer.
- The Multi-Currency Statement Savings Account and/or HKD Statement Savings Account of an Eligible Customer must remain valid at the time of reward is credited. Otherwise, the reward will be forfeited. If an eligible customer cancels any account(s) under this Program within 6 months after account opening, the Bank may deduct administrative fees equivalent to the credited reward from the Eligible Customer's credit card account without prior notice.
- The Bank reserves the rights to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
- Eligible 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.
- 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. Offers Details:
- New Customer Online Time Deposit Preferential Rate Offer (“Time Deposit Offer”)
- During the Promotion Period, Eligible Customers who become new “WISE BANKING” or general personal banking customer of the Bank, successfully open the following designated account(s) (“Designated Account”), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account, can enjoy online time deposit preferential rate offer – 3-month HKD/RMB preferential time deposit interest rate 5.88%(p.a.).
- Eligible Customers who fulfill the requirements stated in clause 9.I can place a 3-month HKD/RMB time deposit via mobile banking or online banking of the Bank between 10:00 a.m. on next calendar day after account opening (T+1) and within 31 calendar days from the account opening date (T+31), and enjoy 5.88%(p.a.) preferential interest rate with designated deposit amount, where T day is the date which requirements of clause 9.I fulfilled:
Deposit Tenor Currency Designated Deposit Amount (HKD/RMB) Preferential Interest Rate (p.a.) 3-month HKD/RMB $50,000 or below
(min. deposit amount is $10,000)5.88% - Each customer can enjoy the "New Customer Exclusive Limited-Time Preferential Time Deposit Interest Rate" only once, which covers HKD, USD, and RMB with tenors of 1-month, 3-month, 6-month, and 12-month; the Bank's system will automatically verify eligibility, and duplicate applications shall be invalid, with final interpretation rights reserved by the Bank.
- For time deposit, interest is calculated on the following year basis: HKD – 365 days (including leap year), USD or RMB – 360 days.
- Securities Account Opening Reward ("Securities Account Opening Reward")
- During the Promotion Period, the first 15,000 Eligible Customers who fulfil below specific requirements may enjoy HKD 500 credit card free spending credit:
- who become new “WISE BANKING” or general personal banking customer of the Bank, and successfully open the following Designated Account(s), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account; AND
- Successfully open the securities account in their sole name.
- The Securities Account Opening Reward is granted on a first-come-first-served basis while quota lasts, determined by the effective date when the Eligible Customer becomes a personal banking customer of our bank. Offers are subject to availability until fully allocated.
- HKD 500 credit card free spending credit will be credited directly to Eligible Customer’s CCB (Asia) Credit Card principal card account (except Business Card) according to below schedule. The relevant credit card account must remain valid and in good standing at the time the reward is credited. Otherwise, the reward will be forfeited. Credit card free spending credit can only be applied against outstanding in card account statement. Credit card free spending credit cannot be converted into cash, and/ or withdrawn as cash and is not transferable. 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.
Account Opening Date Complete requirements listed in Clause 10.I Date of card application and documents submission Date of crediting reward April 1 to June 30, 2026 On or before June 30, 2026 On or before July 31, 2026 On or before August 31, 2026 - Eligible Customer must hold valid CCB (Asia) Credit Card principal card (except Business Card) at time the reward is credited. 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.
- The Securities Account Opening Reward is not applicable to the staff of the Bank and the staff of the subsidiary companies of China Construction Bank.
- During the Promotion Period, the first 15,000 Eligible Customers who fulfil below specific requirements may enjoy HKD 500 credit card free spending credit:
- Designated Mission Reward ("Designated Mission Reward")
- During the Promotion Period, the first 15,000 Eligible Customers who fulfil below specific requirements can enjoy HKD 100 credit card free spending credit:
- who become new “WISE BANKING” or general personal banking customer of the Bank, and successfully open the following Designated Account(s), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account; AND
- Choose to receive marketing communications and opt-in for all these 3 marketing channels, including phone call, phone message and email.
- The Designated Mission Reward is granted on a first-come-first-served basis while quota lasts, determined by the effective date when the Eligible Customer becomes a personal banking customer of our bank. Offers are subject to availability until fully allocated.
- HKD 100 credit card free spending credit will be credited directly to Eligible Customer’s CCB (Asia) Credit Card principal card account (except Business Card) according to below schedule. The relevant credit card account must remain valid and in good standing at the time the reward is credited. Otherwise, the reward will be forfeited. Credit card free spending credit can only be applied against outstanding in card account statement. Credit card free spending credit cannot be converted into cash, and/ or withdrawn as cash and is not transferable. 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.
Account Opening Date Complete requirements listed in Clause 11.I Date of crediting reward April 1 to June 30, 2026 On or before June 30, 2026 On or before August 31, 2026 - Eligible Customer must hold valid CCB (Asia) Credit Card principal card (except Business Card) at time the reward is credited. 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.
- The Designated Mission Reward is not applicable to the staff of the Bank and the staff of the subsidiary companies of China Construction Bank.
- During the Promotion Period, the first 15,000 Eligible Customers who fulfil below specific requirements can enjoy HKD 100 credit card free spending credit:
- The promotion period of the Program is from April 1, 2026 – June 30, 2026, both dates inclusive (“Promotion Period”).
- The Program is only applicable to new customers ("Eligible Customers") who meet all the following conditions during the Promotion Period:
- Become a new "WISE BANKING” customers or general personal banking customers (non packaged banking customers who solely use basic banking services including checking /savings account(s)) of China Construction Bank (Asia) Corporation Limited (the "Bank”); and
- Have not maintained any accounts in sole name or joint name and used any banking products or services (excluding Wealth Management Connect "Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program.
- Eligible Customers must fulfill all of the following conditions during the Promotion Period to collect one Limited Edition 999 Pure Silver Plate ("Reward") in person at a branch of the Bank on or before June 30, 2026:
- Become new “WISE BANKING” or general personal banking customers of the Bank, and successfully open the following designated account(s), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account; AND
- Successfully open the securities account in their sole name; AND
- Place a time deposit of HKD/RMB 50,000 or above at the Bank.
- Eligible Customers will be entitled to the Reward for only once during the Promotion Period in this Program; for joint accounts, only the primary account holders will be entitled to the offer and qualified as Eligible Customers. The Reward is limited by quota and is available on a first-come-first-served basis while quota lasts.
- If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide only one offer to the Eligible Customer. The Program cannot be used in conjunction with "New Customers Exclusive Limited Edition 999 Pure Gold Plate" Program of the Bank.
- The Reward cannot be exchanged for cash or other gifts. The Bank shall assume no liability in respect of the service and /or product’s quality and all related matters.
- The Bank reserves the rights to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
- Eligible 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.
- 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.
- The promotion period of the Program is from April 1, 2026 – June 30, 2026, both dates inclusive (“Promotion Period”).
- The Program is only applicable to new customers ("Eligible Customers") who meet all the following conditions during the Promotion Period:
- Become a new “PREMIER BANKING” customers, “WISE BANKING” customers or general personal banking customers (non packaged banking customers who solely use basic banking services including checking /savings account(s)) of China Construction Bank (Asia) Corporation Limited (the "Bank”); and
- Have not maintained any accounts in sole name or joint name and used any banking products or services (excluding Wealth Management Connect "Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program ("Eligible Customers").
- Eligible Customers must fulfill all of the following conditions under Scenario 1 OR Scenario 2 during the Promotion Period to collect one Limited Edition 999 Pure Gold Plate ("Reward") in person at a branch of the Bank on or before June 30, 2026. Each Eligible Customer can only enjoy the Reward once in this Program even he/she has fulfilled the conditions under Scenario 1 and Scenario 2:
Scenario 1:- Become new “PREMIER BANKING” customers of the Bank, and successfully open the following designated account(s), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account; AND
- Successfully open the securities account in their sole name; AND
- Place a time deposit of HKD1,000,000 or above (or its equivalent) at the Bank.
Scenario 2:- Be an existing personal customer of China Construction Bank Corporation (Mainland CCB) at the time of account opening, and present valid proof of being an existing Mainland CCB customer at the branch; AND
- Become new “PREMIER BANKING” or “WISE BANKING” or general personal banking customers of the Bank, and successfully open the following designated account(s), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account; AND
- Present proof at the branch of successfully adding an online Relationship Manager via the Bank’s official WeCom platform; AND
- Place a time deposit of HKD/RMB 50,000 or above at the Bank.
- Eligible Customers will be entitled to the Reward for only once during the Promotion Period in this Program; for joint accounts, only the primary account holders will be entitled to the offer and qualified as Eligible Customers. The Reward is limited by quota and is available on a first-come-first-served basis while quota lasts.
- If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide only one offer to the Eligible Customer. The Program cannot be used in conjunction with "New Customers Exclusive Limited Edition 999 Pure Silver Plate" Program of the Bank.
- The Reward cannot be exchanged for cash or other gifts. The Bank shall assume no liability in respect of the service and /or product’s quality and all related matters.
- The Bank reserves the rights to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
- Eligible 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.
- 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.
- Personal Banking Customer Credit Card Application Offer Promotion
- Terms and Conditions of eye Credit Card Welcome Gifts for New Cardmembers
- Terms and Conditions of CCB(Asia) TRAVO World Mastercard Welcome Gifts for New Cardmembers
- Terms and Conditions of CCB(Asia) UnionPay Dual Currency Credit Card Welcome Gifts for New Cardmembers
Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investment 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 investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. 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. 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. The information is not an investment advice and does not constitute any offer or solicitation to offer or recommendation of any investment product.
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.
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.
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 materials are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent 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.