Credit Cards (Exclusively For Local Tertiary Students)


Chong Hing Chong Hing Platinum Card
(Exclusively for Local Tertiary Institution Students)
Chong Hing UnionPay Dual Currency Diamond Card
(Exclusively for Local Tertiary Institution Students)
Chong Hing Titanium Mastercard
(Exclusively for Local Tertiary Institution Students)

 

Chong Hing Platinum Card (Exclusively for Local Tertiary Institution Students)

 

Chong Hing UnionPay Dual Currency Diamond Card (Exclusively for Local Tertiary Institution Students)

  • One card consists of two currencies that allows flexible payment for purchases in both Hong Kong and the Mainland China
  • Enjoy overseas transaction fees waviers for purchases with Chong Hing UnionPay Credit Card in China or overseas

 

Chong Hing Titanium Mastercard (Exclusively for Local Tertiary Institution Students)

  • 1.9% Monthly Preferential Interest Rate offer (the interest rate is 22.8% per annum, the Annualised Percentage Rate (APRs) for unsettled retail purchase(s) and cash advance(s) is 24.58% and 27.03% respectively)

 

Remark: An annualised percentage rate (“APR”) is a reference rate which includes the basic interest rate and other fees and charges of a bank product expressed as an annualised rate. Please refer to the Chong Hing Credit Card Key Facts Statement for details.

 

Welcome Gift
MGM Programme
Other Privileges
Repayment & Finance

1. From 28 October 28, 2024 to 31 January, 2025 ("Promotion Period"), applicant who has successfully applied for Chong Hing Visa Card, add card to Apple Pay and purchase can enjoy “Apple Pay New Customer Reward”#:

 

Chong Hing Visa Card New Apple Pay Welcome Reward#

  • Successfully apply for a Chong Hing Visa Card during Promotion Period and accumulate eligible Apple Pay transactions of HK$2,000 or above through Apple Pay within the first 2 months of card issuance to enjoy 32,000 credit card bonus points (Reward values: HK$160).

 

Additionally, the "Apple Pay Spending Reward" for the Chong Hing Visa Card has been launched. Along with the "Apple Pay New Customer Reward", Chong Hing Visa card new customers who meet the following criteria can enjoy rewards worth up to HK$560 (equivalent to up to 7% rebate).

 

Rewards

Conditions

Total Rewards

Chong Hing Visa Card Apple Pay New Customer Reward

Successfully apply for a Chong Hing Visa card and accumulate eligible Apple Pay transactions of HK$2,000 or above

32,000 ‘Point-to-Gift’ Bonus Points (Value at HK$160).

Chong Hing Visa Card Apple Pay Spending Rewards $

Reward 1: Apple Pay Registration Reward

 

Successfully added your Chong Hing Visa Card(s) to Apple Pay

10,000 ‘Point-to-Gift’ Bonus Points (Value at HK$50).

Reward 2: Apple Pay Spending Reward

After successfully adding the card to Apple Pay, for any calendar month during the promotion period, accumulate eligible Apple Pay transactions of HK$2,000  by using your Chong Hing Visa Card(s) through Apple Pay, for examples:

 

1. From 28 October, 2024 to 30 November, 2024:

Completed transactions of HK$2,000

 

2. From 1 December, 2024 to 31 December, 2024:

Completed transactions of HK$2,000

 

3. From 1 January, 2025 to 31 January, 2025:

Completed transactions of HK$2,000

A total of up to 48,000 ‘Point-to-Gift’ Bonus Points can be earned (the reward includes the basic 1x bonus points) (Value at HK$240).

 

1. enjoy 16,000 ‘Point-to-Gift’ Bonus Points (value at HK$80)

 

2. enjoy 16,000 ‘Point-to-Gift’ Bonus Points (value at HK$80)

 

3. enjoy 16,000 ‘Point-to-Gift’ Bonus Points (value at HK$80)

Reward 3: Apple Pay Extra Spending Reward

If you qualify for an extra Bonus Points in one of the calendar months for Reward 2, and accumulate an extra Apple Pay transaction of HK$2,000 in the same calendar month (equivalent to a total of HK$4,000 in Apple Pay transaction for the same calendar month)

Enjoy extra 12,000 ‘Point-to-Gift’ Bonus Points (Value at HK$60).

Logon to e-Banking to Get Reward&

 

Successfully activated Chong Hing Mobile Banking and completed first-time logon Instantly receive a HK$50 e-voucher in Chong Hing Mobile Banking
For new Chong Hing Visa card customers

Total Rewards: up to HK$560 rewards

(equivalent to receiving up to 7% rebate after successfully applying for a Chong Hong Visa Card, spending HK$8,000 through Apple Pay and successfully activated Chong Hing Mobile Banking and completed first-time logon).

$ For details of "Apple Pay Spending Rewards", please visit:https://www.chbank.com/offer/applepay/

& For details of Logon to e-Banking to Get Reward, please visit: https://www.chbank.com/offer/newlogon/index.html

 

2. Successfully applied for the Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) and fulfilled the relevant spending requirements can enjoy the following welcome gifts#:

  • 40,000 "Point-to-Gift" Bonus Points(Rewards values: HK$200) (Not applicable to Chong Hing Visa Card)
  • Annual fee waiver will be offered during the study period

 

# Terms and conditions apply.
^ Principal cardholders who have accumulated HKD/RMB4,000 or above posted retail pending(s) and/ or cash advance(s) with the new card in the first 2 months (card issuing month inclusive) after card issuance are eligible for ‘40,000 “Point-to-Gift” Bonus Points’ as a welcome gift. HKD and RMB spendings will be combined for accumulated transactions amount calculation; every RMB1 spending will be calculated as HK$1. 

Apple Pay, Apple logo, Apple Wallet, Apple Watch, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries / regions.

 

 

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


 

Welcome Gift Terms & Conditions

 

From now until 30 April 2024, existing Chong Hing credit card customers successfully referred your friends and relatives to apply for a Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) and the relevant credit card fulfilled the spending requirements to receive the welcome gift, you can enjoy up to 1,000,000 bonus points!

 

No. of Successful Referrals

Starting from the Second Successful Referral
Rewards for each Successful Referral

2 – 5

40,000 “Point-to-Gift” bonus points

6 – 19

60,000 “Point-to-Gift” bonus points

 

Reward Examples:

No. of Successful Referrals

Referral Reward

5

Earn a total of 160,000 “Point-to-Gift” bonus points for 5 successful referrals
(i.e. 40,000 bonus points x 4)

6

Earn a total of 220,000 “Point-to-Gift” bonus points for 6 successful referrals
(i.e. 40,00 bonus points x 4 + 60,000 bonus points)

10

Earn a total of 460,000 “Point-to-Gift” bonus points for 10 successful referrals
 (i.e. 40,000 bonus points x 4 + 60,000 bonus points x 5)

 

How to refer your friends and relatives?

Step 1 – Complete all fields and sign on the “Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) MGM Programme Referral Form”.

Step 2 - Referees have to submit the Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) application form together with the completed “Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) MGM Programme Referral Form” and return to Chong Hing Bank.

 

 

Terms and Conditions of Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) Member-get-member Programme (“MGM Programme”):

  1. The MGM Programme runs form 27 November 2023 to 30 April 2024 (both dates inclusive) (the “Promotional Period”).
  2. To be eligible as a referrer, the customer must fulfill the following criteria:
    • Complete the “Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) MGM Programme Referral Form” and pass it to the referee to return together with the Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) application form to Chong Hing Bank; and
    • Be the principal cardholder of a valid Chong Hing Bank Limited (the "Bank") Credit Card (“Eligible Credit Card”) at the time the referral reward is given.
  3. To be eligible as a referee, the customer must fulfill the following criteria:
    • Applicants who have not held any personal credit cards issued by the Bank (including co-branded cards) in the past 12 months; and
    • Apply for a Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) during the Promotional Period; and
    • Submit the Chong Hing “Credit Card (Exclusively for Local Tertiary Institution Students) application form together with the completed Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students) MGM Programme Referral Form and return to Chong Hing Bank ; and
    • The credit card must meet the spending requirements to receive the welcome gift and remain as the cardholder of the valid Eligible Credit Card when the rewards are given. For details, please refer to the Welcome Gift Terms and Conditions of the Chong Hing Credit Card (Exclusively for Local Tertiary Institution Students).
  4. If fulfilling the criteria set out in point 2 and point 3 above, each application will be considered as a successful referral, and the referrer will be awarded with the rewards set out in the table below (“Rewards”):
    • Referrer’s reward: Each referrer can enjoy the designated referral reward upon reaching the respective number of successful referral tier during the Promotion Period:

      No. of Successful Referrals

      Starting from the Second Successful Referral
      Rewards for each Successful Referral

      2 – 5

      40,000 “Point-to-Gift” bonus points

      6 – 19

      60,000 “Point-to-Gift” bonus points

  5. Each referee can receive a maximum of 1,000,000 bonus points.
  6. Each referee can be referred once only in this MGM Programme. If a referee is referred by multiple referrers, only the first application recorded by the Bank will be valid. In addition, each referee will only receive the referee reward once, regardless of the number of credit cards applied for and qualified during the Promotional Period.
  7. Self-referrals are not accepted by the Rewards. The Bank’s staff shall not be eligible for any rewards under this MGM Programme.
  8. The total bonus point reward of the referrer will be credited to the eligible principal cardholder's account after 2 months upon the end of the Promotion Period, and will be shown in the card statement.
  9. Both the referrer and referee must acknowledge that the Bank will not disclose the details of individual applications, and the Bank’s records shall be final and binding.
  10. The Bank reserves the right to vary or cancel this MGM Programme and/or amend or alter these Terms and Conditions at any time with appropriate notice. In the event of any dispute, the decision of the Bank shall be final and conclusive.
  11. The Bank’s Account Terms, and Chong Hing Credit Card Cardholder Agreement/Chong Hing UnionPay Dual Currency Credit Card Cardholder Agreement, which are subject to changes from time to time shall also apply to this MGM Programme. The latest copies of Account Terms, and Chong Hing Credit Card Cardholder Agreement/Chong Hing UnionPay Dual Currency Credit Card Cardholder Agreement are available at any local branch of the Bank or on its website. In case of any inconsistencies, the priority of precedence shall be in the descending order of these terms and conditions, the terms and conditions of the relevant Cardholder Agreements and Account Terms.
  12. These terms and conditions shall be governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China but the Contracts (Rights of Third Parties) Ordinance shall not apply to this MGM programme, relevant rewards or these terms and conditions. The customers and participants of this MGM programme acknowledge that they are subject to the Bank’s notice to customers and other persons relating to the Personal Data (Privacy) Ordinance, Personal Information Collection Statement and privacy policy statement of the Bank, which are available on the Bank’s website.

The following applies to UnionPay Dual Currency Credit Cards:   

24-hour Customer Services Hotline: Report Lost Card Hotline:
(852) 3768 8888 (852) 3768 8811
   
Merchant Sales & Services Section: Email:
(852) 3768 8822 customerservice@chbank.com