Join HSBC Premier and enjoy welcome rewards up to HKD20,0001

 

As your visions take you towards newer opportunities around the globe, HSBC Premier provides a suite of products and services worldwide to cater to the world you’re building for you and your family.

Welcome rewards

Join HSBC Premier on or before 13 September 2019 to enjoy cash rebate up to HKD20,0001 upon completion of designated banking transactions and a "Below Balance Fee" waiver2 for 6 months.

Welcome rewards detailsWelcome rewards details
Reward type Reward conditions Reward amount
Total Relationship Balance offer* 3
  • Maintain a Total Relationship Balance of HKD1,000,000 or above
HKD300
or
or
or

New Fund offer* 4

*Required to have successfully opened an HSBC Premier investment account and registered for HSBC Personal Internet Banking by the next calendar month after account opening

  • HKD1,000,000 - <HKD3,000,000
HKD1,500
  • HKD3,000,000 - <HKD5,000,000
HKD2,000
  • HKD5,000,000 - <HKD8,000,000
HKD5,000
  • HKD8,000,000 or above
HKD17,000
Investment product take-up offer5 Accumulated take-up value of:  
 
  • HKD500,000 - <HKD1,000,000
HKD300
 
  • HKD1,000,000 or above
HKD800
Auto payroll offer6 Set up a monthly auto payroll of:  
 
  • HKD50,000 - <HKD80,000
HKD800
 
  • HKD80,000 or above
HKD1,200
Junior Pack offer Successfully apply for:  
 
  • 1 Junior Pack
HKD100
 
  • 2 or more Junior Packs
HKD200
edX® offer7
Exclusively for HSBC Premier Mastercard®
Enjoy full cash rebate# for enroling in courses with verified certificates from MITx, HarvardX and other world-class universities and institutions on edX.org HKD800
Maximum rewards amount1   HKD20,000

# Up to HKD800 cash rebate per eligible customer. Terms and conditions apply. edX® is a registered trademark of edX Inc. All Rights Reserved.


Terms and Conditions apply.

HSBC Premier Mastercard® exclusive rewards

Receive instant recognition, perpetual annual fee waiver and rewards with your HSBC Premier Mastercard®8:

  • Enjoy full cash rebate#,7 for enroling in courses with verified certificates from MITx, HarvardX and other world-class universities and institutions on edX.org.
  • Up to a 6.4% RewardCash rebate on year-round overseas spending.
  • Earn HKD800 rebate and an extra 800 Asia Miles for transactions of HKD8,000 or above upon booking flight tickets via Cathay Pacific website.
  • Buy-1-Get-1-Free dining privileges at Michelin-starred and Michelin-recommended restaurants.

# Up to HKD800 cash rebate per eligible customer. Terms and conditions apply. edX® is a registered trademark of edX Inc. All Rights Reserved.

Join HSBC Premier and enjoy comprehensive offers

Time Deposit

  • Up to 2.10% p.a. (HKD) / 2.30% p.a. (USD) on time deposits with new funds9 Details
  • A preferential interest rate of up to 8.7% p.a. on selected currency purchases and time deposit10 Details

Stock

  • First 6-month $0 brokerage fee on purchase of Hong Kong stocks, China A shares and US stocks for new investment account customers11
  • 0.2% cash rebate for Hong Kong stocks, China A shares, US stocks transfer-in/deposit12

Details

Insurance

  • Successfully apply for FirstCare Plus Medical Insurance for you and your family and enjoy an annual 10% discount 13 Details
  • Up to 7% discount on first year premium for successful applications of selected Life Insurance Plans14,15
  • 35% off your first year premium for annual MultiTrip TravelSurance16 Details
  • 20% off your HomeSurance first year premium17 Details

Unit Trusts

  • Initial charge offer as low as 1% and first 6 month initial charge waiver for Unit Trust Monthly Investment Plan18

Details

About edX.org

edX is the trusted platform for education and learning. Founded by Harvard and MIT, edX is home to more than 20 million learners, the majority of top-ranked universities in the world and industry-leading companies. As a global nonprofit, edX is transforming traditional education, removing the barriers of cost, location and access. With high-quality courses from HarvardX, MITx, OxfordX, ColumbiaX, PennX, and other institutions, for learners in every country and enterprises looking for a scalable and cost-effective solution to training their employees. edX offers a wide range of online courses that cater to the educational needs of every learner, including computer science, languages, engineering, psychology, writing, electronics, biology, marketing, and more.

edX® is a registered trademark of edX Inc. All Rights Reserved.

Join HSBC Premier

Existing HSBC customers

Upgrade Online*
Call 2233 3377

*Applicable to existing HSBC Advance or Personal Integrated Account holders who meet the minimum Total Relationship Balance.

New HSBC customers

Make an appointment
Find a branch

Remarks:

  1. The HSBC Premier welcome rewards worth up to HKD20,000 cash rebate is only eligible to customers who successfully join HSBC Premier account from 18 June 2019 to 13 September 2019. Terms and conditions apply, please refer to the enclosed terms and conditions.
  2. Customers after upgraded their account to Premier are required to maintain an average daily Total Relationship Balance for 3 consecutive months at HKD1,000,000 or above, or a monthly below balance fee of HKD380 will apply after the 6-month Below Balance Fee Waiver offer ends. Terms and conditions apply, please refer to the enclosed terms and conditions.
  3. If Customer cannot meet the new fund offer requirements as stated in remark 4, but can (i) successfully open/convert an account to a Premier Account during the promotional period, and (ii) successfully open and maintain a valid Premier investment account, and successfully register for/or maintain HSBC Personal Internet Banking as at the last day of the first calendar month after the month of account opening/conversion and successfully log on Personal Internet Banking at least once on or before such date, and (iii) maintain at least HKD1,000,000 for the second and third calendar months after the month of account opening/conversion, Customer can enjoy the Total Relationship Balance offer. Terms and conditions apply, please refer to the enclosed terms and conditions.
  4. This offer is only for Eligible Customers who (i) successfully open/convert an account to a Premier Account during the promotional period, and (ii) successfully open and maintain a valid Premier investment account, and successfully register for/or maintain HSBC Personal Internet Banking as at the last day of the first calendar month after the month of account opening/conversion and successfully log on Personal Internet Banking at least once on or before such date, and (iii) place new funds of at least HKD1,000,000 in the Premier Account on or before the last day of the first calendar month after the month of account opening/conversion, and (iv) maintain the new funds for the second and third calendar months after the month of account opening/conversion. Terms and conditions apply, please refer to the enclosed terms and conditions.
  5. Investment involves risk. The offer is only applicable to Eligible Customers who successfully take up wealth management product(s) under any of the following product categories and reached a specified accumulated amount: (i) lump sum subscription of Unit Trusts including transfer-in or deposit from a non-HSBC account (excluding Unit Trusts Monthly Investment Plans and switching of Unit Trusts), (ii) purchase of Bonds/Certificates of Deposit (excluding bonds in respect of initial public offering), (iii) subscription of Structured Investment Products, (iv) placement of Renminbi (”RMB”)/foreign currency time deposits with new funds, and (v) purchases of securities (all types of stocks). To enjoy the offer, any such transaction must be executed via a Premier investment account during the period from the date of account opening/conversion to the last day of the calendar month following the month of account opening/conversion (for the transfer-in or deposit of Unit Trust from a non-HSBC account, such period can be extended to the last day of the second calendar month following the month of account opening/conversion). Terms and conditions apply, please refer to the enclosed terms and conditions.
  6. An Eligible Customer who has auto payroll records with the Bank during the 6 months prior to the first deposit of monthly payroll amount made and received by the Bank under this promotion, will not be qualified for the payroll offer. The monthly auto payroll amount appearing in the Bank's records shall be final and conclusive. Terms and conditions apply, please refer to the enclosed terms and conditions.
  7. Terms and conditions apply, please refer to the enclosed terms and conditions.
  8. Terms and conditions apply. To learn more, please visit www.redhotoffers.hsbc.com.hk
  9. The above interest rates are indicative as of 24 June 2019 and are for reference only. They are not guaranteed and subject to revision, as per prevailing market conditions. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/accounts/offers/deposits
  10. Terms and conditions apply to selected currencies purchase and place a 1-week time deposit at branch. The Special Interest Rates are subject to revision, as per prevailing market conditions. To learn more, please visit www.hsbc.com.hk/accounts/offers/deposits
  11. Investment involves risk. Enjoy first 6-month $0 brokerage fee on purchases of Hong Kong stocks, China A shares and US stocks for customers who newly open investment account. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/investments/products/stocks
  12. Investment involves risk. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/investments/products/stocks
  13. A family discount will automatically be applied to your policy if there are 2 or more people in this application.
    You can also apply for a family discount if a member of your family has an existing FirstCare or FirstCare Plus policy. All you need to do is provide us with your family member's existing policy number, and the policy holder's HKID/passport number during your application process.
    'Family' refers to your spouse or partner, children, parents and siblings.
    'Children' shall mean any child of the policy holder who is between the age of 15 days and 17 years old, or age of 22 or below who is financially solely dependent upon the policy holder, and is registered as a full time student at school, college or university.
    Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/insurance/products/medical/firstcare/
  14. This offer is valid until 30 September 2019. Terms and conditions apply, please refer to the enclosed terms and conditions.
  15. Selected Life Insurance Plans include i) HSBC Income Goal Deferred Annuity Plan; ii) HSBC EarlyIncome Deferred Annuity Plan; iii) Income Goal Insurance Plan; iv) EarlyIncome Annuity Plan; v) HSBC Wealth Goal Insurance Plan and vi) HSBC Family Goal Insurance Plan. Terms and conditions apply.
  16. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/insurance/products/travel
  17. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/insurance/products/home/homesurance/
  18. Investment involves risk. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/investments/products/mutual-funds/

Important Risk Warning

  • Unit Trusts, Bonds, Certificates of Deposit (CDs), structured products (including Equity Linked Investments, Structured Notes, Deposit Plus, Structured Investment Deposits and Capital Protected Investment Deposits) are NOT equivalent to time deposits. Unit Trusts and Bonds and some of the Structured Products are investment products and some Unit Trusts and Structured Products may involve derivatives. The investment decision is yours but you should not invest 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 price of securities / structured products may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities/ structured products.
  • In the worst case scenario, the value of the products may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
  • Issuer’s Risk – Bonds, CDs and structured products are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario, you might not be able to recover the principal and interest/coupon if the issuer defaults on the Bonds, CDs and Structured Products.
  • Investors should not make investment decisions based on this material alone.
  • Investment involves risks. Past performance of the products is no guide to future performance. For details of the products, the related fees and charges and risk factors, please refer to the individual product materials and/or offering materials.
  • Currency conversion risk – the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than that exchange rate in which you made your original conversion to foreign currency and RMB, you may suffer loss in principal.
  • RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realisation costs and may suffer losses accordingly.
  • Warrants and CBBCs are non-collateralised products. The price of the Warrants/CBBCs may fall in value as rapidly as it may rise and investors may sustain a total loss of their investment. Prospective investors should ensure that they understand the nature and risks and seek for professional advice where applicable.

Additional risks are disclosed in the “Risk Disclosure” section. Please refer to “Risk Disclosure” section for details.

Structured Investment Deposits, Deposit Plus, Capital Protected Investment Deposits and CDs are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Deposit Plus and Certificates of Deposit is NOT principal protected.

Risk Disclosure

Unit Trusts

  1. Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc) may also involve a higher degree of risk and are usually more sensitive to price movements.
  2. Credit Risk/Interest Rate Risk – a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities.
  3. Counterparty Risk – a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognized exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organized exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counterparty with which a fund trades such instruments, which could result in substantial loss to a fund.

Bonds and Certificates of Deposit (“CDs”)

  1. Bonds/CDs are mainly medium to long term fixed income products, not for short term speculation. You should be prepared to hold your funds in bonds/CD for the full tenor. You could lose part or all of your principal if you choose to sell your bonds/CDs prior to maturity.
  2. The Bank provides indicative prices of bonds/CDs and the bonds/CDs prices may and/or do fluctuate when market changes. Factors affecting market price of bonds/CDs include, and are not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds/CDs. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds/CDs.
  3. It is the issuer to pay interest and repay principal of bonds/CDs. If the issuer defaults, the holder of bonds/CDs may not be able to receive back the interest and principal. The holder of bonds/CDs bears the credit risk of the issuer and has no recourse to the Bank unless the Bank is the issuer itself.
  4. If you wish to sell the bonds/CDs purchased through the Bank, the Bank may repurchase them based on the prevailing market price under normal market circumstances, but the selling price may differ from the original buying price due to changes in market conditions.
  5. There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
  6. The secondary market for bonds/CDs may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of holders of bonds/CDs.
  7. If bonds/CDs are early redeemed, you may not be able to enjoy the same rates of return when you use the funds to purchase other products.

Deposit Plus

  1. Credit risk of the Bank - Deposit Plus is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.
  2. DPS is not principal protected. The net return in relation to Deposit Plus will depend upon market conditions prevailing at the deposit fixing time on the deposit fixing date. You must be prepared to incur loss as a result of depreciation in the value of the currency paid. Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit.

Renminbi (“RMB”) Related Products

  1. There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency.
  2. RMB related products may suffer significant losses in liquidating the underlying investments if such investments do not have an active secondary market and their prices have large bid/offer spreads.
  3. In general, RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies.
  4. RMB debt instruments are subject to interest rate fluctuations, which may adversely affect the return and performance of the RMB products.
  5. You could lose part or all of your principal if you choose to sell your RMB products prior to maturity.

Securities Trading

  1. The prices of securities fluctuate, sometimes dramatically. The price of a security 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 securities.

China A Shares

  1. Investment in China A Shares through Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities.
  2. For further information, you should refer to the risk disclosures and other terms set out in the China Connect / Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect Terms and Conditions.

The remuneration for sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, longlasting and mutually valuable relationships with customers. It is not determined solely on financial performance.

Making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service.  If you wish to receive solicitation or recommendation from us, please contact us and, where relevant, go through our suitability assessment before transacting.

The life insurance plans are underwritten by HSBC Life (International) Limited (“HSBC Life”), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. For product details and related charges, please refer to the relevant brochures and policy provisions or contact our HSBC’s branch staff.

For product details and related charges, please refer to the relevant brochures and policy provisions or contact our HSBC’s branch staff.

The general insurance policies are underwritten by AXA General Insurance Hong Kong Limited (“AXA”), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly. 

The information in this document does not constitute a solicitation for making any deposit or investment in any products referred to herein. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. This material has not been reviewed by the Securities and Futures Commission of Hong Kong.

Disclaimer

  1. The above policies (First Care Plus Medical Insurance and MultiTrip TravelSurance) are underwritten by AXA General Insurance Hong Kong Limited (""AXA""), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR.
    For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.
  2. The above policies (Selected Life Insurance Plans) are underwritten by the Company which is authorised and regulated by the Insurance Authority (IA) to carry on long-term insurance business in the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited (referred to as ""HSBC"") is an insurance agent authorised by the Company. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR. Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the product should be resolved between the Company and you directly. Terms and conditions apply.

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

Join HSBC Premier and enjoy welcome rewards up to HKD20,0001