Enjoy welcome rewards up to HKD16,000

 

Join HSBC Premier for exclusive privileges and rewards

We know how much you value your family, HSBC Premier is here to help you lay the groundwork to meet the local and international aspirations of your family. We offer you a range of exclusive privileges and offers to support your daily financial needs.

Welcome rewards

Join HSBC Premier on or before 10 May 2019 to enjoy rewards worth up to HKD16,0001 upon completion of designated banking transactions and a “Below Balance Fee” waiver2 for the first 6 months.

Welcome rewards detailsWelcome rewards details
Reward type Reward conditions Reward amount

Total Relationship Balance offer3

or

New Fund offer4

*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

  • Maintain a Total Relationship Balance of HKD1,000,000 or above
or
  • HKD1,000,000 - <HKD3,000,000
  • HKD3,000,000 - <HKD5,000,000
  • HKD5,000,000 - <HKD8,000,000
  • HKD8,000,000 or above

HKD300

or
  • HKD1,500 
  • HKD2,000 
  • HKD5,000 
  • HKD14,000
Investment product take-up offer5

Accumulated take-up value of:

  • HKD500,000 - <HKD1,000,000
  • HKD1,000,000 or above

 

  • HKD300 
  • HKD600
Auto payroll offer6

Set up a monthly auto payroll of:

  • HKD500,000 - <HKD1,000,000
  • HKD1,000,000 or above

 

  • HKD800 
  • HKD1,200
Junior Pack offer

Successfully apply:

  • 1 Junior Pack
  • 2 or more Junior Packs

 

  • HKD100
  • HKD200
Maximum rewards amount1   HKD16,000

 


Terms and Conditions apply.

Preferential privileges and offers

Credit Card

  • Up to a 6.4% RewardCash rebate on year-round overseas spending with HSBC Premier Mastercard®7

Details

Savings

  • HKD preferential savings rate of up to +1.25% p.a.8

Details

Time Deposit

  • Up to 1.95% p.a. (HKD)/2.65% p.a. (USD) on time deposits with new funds9
  • Enjoy preferential interest rate of up to 7.4% p.a. on selected currency purchases and time deposit10

Details

Stocks

  • 0.2% cash rebate11 for Hong Kong Stocks, China A Shares, and US stocks transfer-in/deposit
  • First 6-month $0 brokerage fee12on purchases of Hong Kong stocks, China A Shares, and US stocks upon new investment account opening

Details

Insurance

  • 5.5% discount13 on first year premium for successful applications of selected life insurance plans

Exclusive banking services

  • With Priority Digital Counter Services, you can view the counter situation, get a ticket, and book your counter service before you arrive at your choice of HSBC Premier Centre
  • Enjoy preferential rates for foreign exchange and pre-order foreign currency with Personal Internet Banking
  • We have your back in case of emergency, you and your children will have access to emergency encashment14 of USD2,000 from 8,500 HSBC outlets worldwide

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 HKD16,000 cash rebate is only eligible to customers who successfully join HSBC Premier from 22 March to 10 May 2019. Terms and conditions apply, please refer to the enclosed terms and conditions.
  2. After having opened/upgraded their account to Premier Account, Customers 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 a 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, the 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. 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 to HSBC Premier Mastercard® credit card privilege. To learn more, please visit www.redhotoffers.hsbc.com.hk
  8. Terms and conditions apply to Hong Kong Dollar Savings Preferential Rate Offer. To learn more, please visit www.hsbc.com.hk/accounts/offers/deposits
  9. The above interest rate is indicative as of 1 February 2019 for a tenor of 18 months. It is 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 contact our branch staff for details.
  11. Terms and conditions apply to 0.2% cash rebate for Hong Kong stock, China A shares and US stock transfer-in/deposit. To learn more, please visit www.hsbc.com.hk/investments/products/stocks
  12. Enjoy first 6-month $0 brokerage fee on purchases of Hong Kong stock, China A shares and US stock for customers who newly open investment account. Terms and conditions apply. To learn more, please visit www.hsbc.com.hk/investments/products/stocks
  13. Terms and conditions apply, please refer to the enclosed terms and conditions.
  14. Emergency encashment services are available to HSBC Premier customers and their family members who have an account with any member of the HSBC group and subject to local regulations. “Family member” means immediate family member including spouse, parents and any dependent (namely, sons, daughters, anyone the customer has legal guardianship over). The eligibility of the family members for this service is subject to our sole determination. In case of disputes in relation to the use of this service, our decision shall be final and conclusive.

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.

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

Enjoy welcome rewards up to HKD16,000