Exclusive Welcome Offer | HSBC Premier Elite

HSBC HK
Premier Elite
Welcome Offer

Enjoy HSBC Premier Elite Welcome Rewards worth over HKD88,000

Join HSBC Premier Elite service from now until 31 March 2025 for exclusive welcome offer of HKD88,680^{1Footnote link 1}, including New Fund Reward and Wealth Management Rewards. You can also enjoy exclusive preferential time deposit rate. See Terms and Conditions This link will open in a new window.

Apply now This link will open in a new window Learn more about HSBC Premier Elite Welcome Rewards This link will open in a new window

Exclusive wealth management solutions to grow from strength to strength

New Fund Reward^{2Footnote link 2}

Add new funds by the last day of the 1^st calendar month after joining HSBC Premier Elite and maintain until the 5^th calendar month to enjoy the following cash rewards.
Add / maintain funds in HKD or equivalent	Cash Rewards
HKD1M to < HKD3M	HKD6,000
HKD3M to < HKD5M	HKD12,000
HKD5M to < HKD8M	HKD24,000
HKD8M to < HKD12M	HKD37,000
HKD12M or above	HKD57,000

Add new funds by the last day of the 1^st calendar month after joining HSBC Premier Elite and maintain until the 5^th calendar month to enjoy the following cash rewards.
Add / maintain funds in HKD or equivalent	HKD1M to < HKD3M
Cash Rewards	HKD6,000

Add / maintain funds in HKD or equivalent	HKD3M to < HKD5M
Cash Rewards	HKD12,000

Add / maintain funds in HKD or equivalent	HKD5M to < HKD8M
Cash Rewards	HKD24,000

Add / maintain funds in HKD or equivalent	HKD8M to < HKD12M
Cash Rewards	HKD37,000

Add / maintain funds in HKD or equivalent	HKD12M or above
Cash Rewards	HKD57,000

Wealth Management Rewards

As an HSBC Premier Elite client, you can earn rewards in the form of cash rebates and RewardCash when you join Well+, take up investment or insurance products.
Offer Type	Requirement(s)	Reward
Wealth of Your Choice^{3Footnote link 3}^{Footnote link 3}	Join Well+ Bonus Badge and choose your preferred investment/ insurance product category with accumulated subscription	Up to 10,000 RewardCash
Unit Trusts Transfer-in Offer^{4Footnote link 4}^{Footnote link 4}	Accumulate every HKD250,000 transfer-in amount of Unit Trusts for HKD1,000 cash rewards	HKD5,000 cash rewards
Insurance Take-up Offer^{5Footnote link 5}^{Insurance Take-up Offer5Footnote link 5}Footnote link 5	Pay new policy's premium of selected HSBC Life insurance plan for HKD600,000 or above using HSBC Premier Mastercard	Up to 6,000 RewardCash
New-to Structured Products Offer^{6Footnote link 6}	Complete every HKD200,000 (or equivalent) subscription amount of Structured Products for HKD160 cash rewards	HKD4,000 cash rewards
New-to-Bonds Offer^{7Footnote link 7}	Complete every HKD200,000 (or equivalent) subscription amount of Bonds for HKD160 cash rewards	HKD4,000 cash rewards
New-to FX Offer^{8Footnote link 8}	Complete every HKD200,000 (or equivalent) FX transaction for HKD160 cash rewards and join HSBC Forex Club to enjoy a HKD10 cash reward for every HKD5,000 (or equivalent) accumulated HSBC Mastercard® Debit Card transaction	Up to HKD1,680 cash rewards
Top Trader Club Welcome Offer^{9Footnote link 9}	Sign up to Top Trader Club on your first trade	HKD1,000 cash rewards

As an HSBC Premier Elite client, you can earn rewards in the form of cash rebates and RewardCash when you join Well+, take up investment or insurance products.
Offer Type	Wealth of Your Choice^{3Footnote link 3}^{Footnote link 3}
Requirement(s)	Join Well+ Bonus Badge and choose your preferred investment/ insurance product category with accumulated subscription
Reward	Up to 10,000 RewardCash

Offer Type	Unit Trusts Transfer-in Offer^{4Footnote link 4}^{Footnote link 4}
Requirement(s)	Accumulate every HKD250,000 transfer-in amount of Unit Trusts for HKD1,000 cash rewards
Reward	HKD5,000 cash rewards

Offer Type	Insurance Take-up Offer^{5Footnote link 5}^{Insurance Take-up Offer5Footnote link 5}Footnote link 5
Requirement(s)	Pay new policy's premium of selected HSBC Life insurance plan for HKD600,000 or above using HSBC Premier Mastercard
Reward	Up to 6,000 RewardCash

Offer Type	New-to Structured Products Offer^{6Footnote link 6}
Requirement(s)	Complete every HKD200,000 (or equivalent) subscription amount of Structured Products for HKD160 cash rewards
Reward	HKD4,000 cash rewards

Offer Type	New-to-Bonds Offer^{7Footnote link 7}
Requirement(s)	Complete every HKD200,000 (or equivalent) subscription amount of Bonds for HKD160 cash rewards
Reward	HKD4,000 cash rewards

Offer Type	New-to FX Offer^{8Footnote link 8}
Requirement(s)	Complete every HKD200,000 (or equivalent) FX transaction for HKD160 cash rewards and join HSBC Forex Club to enjoy a HKD10 cash reward for every HKD5,000 (or equivalent) accumulated HSBC Mastercard® Debit Card transaction
Reward	Up to HKD1,680 cash rewards

Offer Type	Top Trader Club Welcome Offer^{9Footnote link 9}
Requirement(s)	Sign up to Top Trader Club on your first trade
Reward	HKD1,000 cash rewards

More New-to-Investment & Insurance offers await you:
Product Type	Offer & Requirement(s)
Unit Trust	0.88% initial subscription charge on all your Unit Trust orders without cap.
Insurance	Enjoy up to 60% off first-year premium on VHIS Enjoy up to 20% off your first year premium on designated life insurance products
Stock	Up to additional HK$45,000 cash rewards when you trade with HSBC Top Trader Club achieving Tier 2 or above.

More New-to-Investment & Insurance offers await you:
Product Type	Unit Trust
Offer & Requirement(s)	0.88% initial subscription charge on all your Unit Trust orders without cap.

Product Type	Insurance
Offer & Requirement(s)	Enjoy up to 60% off first-year premium on VHIS Enjoy up to 20% off your first year premium on designated life insurance products

Product Type	Stock
Offer & Requirement(s)	Up to additional HK$45,000 cash rewards when you trade with HSBC Top Trader Club achieving Tier 2 or above.

Invite friends and family to share your HSBC Premier Elite experience

You're already in the know. Why not show you care by letting them in on your experience to your family and friends. Referring them to join or upgrade to HSBC Premier Elite lets them enjoy the same banking privileges that you do.

Limited-time offer: Here’s your chance to earn cash rewards up to HKD10,000 or 4 tickets to ‘Jay Chou Carnival World Tour 2025 – Hong Kong’ (highest tier at HKD1,880 each). All you need to do is refer your friends or family join HSBC Premier Elite and fulfil designated requirements.

Offer is valid until 30 April 2025 for HSBC Premier Elite or Premier customers with HSBC credit card. First come, first served. Speak to your Relationship Manager now.
For each successful referral (up to a maximum of 10 referrals)	Referral reward	Additional Cash Reward where Referee has placed and maintained HKD16,000,000TRB
New to HSBC Customer^{10Footnote link 10}	HKD10,000 or 4 Jay Chou concert tickets (worth HKD1,880 each)	HKD10,000
Existing HSBC Customer^{11Footnote link 11}	Referral reward HKD3,800 or 2 Jay Chou concert tickets (worth HKD1,880 each)	HKD10,000

You're already in the know. Why not show you care by letting them in on your experience to your family and friends. Referring them to join or upgrade to HSBC Premier Elite lets them enjoy the same banking privileges that you do.

Limited-time offer: Here’s your chance to earn cash rewards up to HKD10,000 or 4 tickets to ‘Jay Chou Carnival World Tour 2025 – Hong Kong’ (highest tier at HKD1,880 each). All you need to do is refer your friends or family join HSBC Premier Elite and fulfil designated requirements.

Offer is valid until 30 April 2025 for HSBC Premier Elite or Premier customers with HSBC credit card. First come, first served. Speak to your Relationship Manager now.
For each successful referral (up to a maximum of 10 referrals)	New to HSBC Customer^{10Footnote link 10}
Referral reward	HKD10,000 or 4 Jay Chou concert tickets (worth HKD1,880 each)
Additional Cash Reward where Referee has placed and maintained HKD16,000,000TRB	HKD10,000

For each successful referral (up to a maximum of 10 referrals)	Existing HSBC Customer^{11Footnote link 11}
Referral reward	Referral reward HKD3,800 or 2 Jay Chou concert tickets (worth HKD1,880 each)
Additional Cash Reward where Referee has placed and maintained HKD16,000,000TRB	HKD10,000

To earn the above rewards^{12Footnote link 12}, fulfil the designated new fund and Total Relationship Balance^{13Footnote link 13} requirement then successfully refer your local or non-resident friends and family members.

Refer your family and friends in just 2 steps

Step 1: Recommend HSBC Premier Elite to your family and friends, and quote your contact number that aligns with Bank record.

Step 2: Then your family or friend ("Referee") needs to:

Visits an HSBC branch in Hong Kong to join HSBC Premier Elite and,
Mention this programme to our staff and quote your ('Referrer's') contact number as mentioned above^{14Footnote link 14}.

For you to be eligible for the Referral Reward, your Referee will need to join HSBC Premier Elite during the promotional period and fulfil designated requirement for new fund and/or Total Relationship Balance^{15Footnote link 15}.

Learn more about the Cash Reward Terms and Conditions This link will open in a new window.

Learn more about the 'Jay Chou Carnival World Tour 2025 – Hong Kong' concert tickets Terms and Conditions This link will open in a new window.

Get started

By meeting with us

Tell us about your needs and let us help you take it from there.

Book an appointment This link will open in a new window

By calling us

Or if you prefer, you can speak to us over the phone instead.

Existing HSBC Premier Elite clients

(852) 2233 3033

New clients

(852) 2233 3377

Lines are open 24 hours.

Notes

The HSBC Premier Elite welcome rewards worth up to HKD88,680 is only eligible to customers who successfully join HSBC Premier Elite from 1 January to 31 March 2025 and maintain an average Total Relationship Balance at HKD7,800,000 or above. Terms and conditions apply, please refer to the enclosed terms and conditions.
This Offer is only for Eligible Customers who (i) successfully joined HSBC Premier Elite during the promotional period, and (ii) retain HSBC Premier Elite status, and (iii) placed New Fund of at least HKD1,000,000 in the Premier Account on or before the last day of the first calendar month after joining HSBC Premier Elite, and (iv) maintained the New Fund for the second, third, fourth and fifth calendar months after the month of account opening / conversion, and (v) opened an HSBC Investment Account by the last day of the first calendar month after the month of joining Premier Elite. Terms and conditions apply, please refer to the enclosed terms and conditions.
The Wealth of Your Choice Challenge is valid from 13 January to 30 June 2025. Investment involves risk. Life insurance products above are underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. Policyholders are subject to the credit risk of HSBC Life and early surrender loss. For details, please refer to the 'Important risk warning' and 'Risk disclosure' sections in the HSBC Wealth of Your Choice terms and conditions (PDF).
The promotion is valid from 1 January until 31 March 2025. Assuming that Eligible Net Transfer-in Amount of Unit Trust by Eligible Customers is HKD 1,250,000. Investment involves risk. For details, please refer to the enclosed terms and conditions.
The promotion is valid from 1 January until 31 March 2025 for customers holding any personal primary and / or additional HSBC Premier Mastercard Credit Card issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (including its successors and assigns). Terms and conditions apply, please refer to the enclosed terms and conditions.
The promotion is valid from 1 January until 31 March 2025. Assuming that Eligible Subscription Amount of Structured Products by Eligible Customers is HKD 5,000,000 (or equivalent). The maximum cash rebate payable per eligible customer is capped at HKD16,000. Investment involves risk. For details, please refer to the enclosed terms and conditions.
The promotion is valid from 1 January until 31 March 2025. Assuming that Eligible Subscription Amount of Bonds by Eligible Customers is HKD 5,000,000 (or equivalent). The maximum cash rebate payable per eligible customer is capped at HKD16,000. Investment involves risk. For details, please refer to the enclosed terms and conditions.
The promotion is valid from 2 January until 31 March 2025. Assuming that Eligible FX Transaction Amount by Eligible Customers is HKD 2,000,000 (or equivalent) with HKD40,000 spending by HSBC Mastercard® Debit Card. The maximum cash rebate payable per eligible customer is capped at HKD1,680. For details, please refer to the enclosed terms and conditions.
The promotion is valid from 1 January until 30 June 2025. Investment involves risk. For details, please refer to the enclosed terms and conditions.
A new to HSBC Premier Elite client (“New to HSBC Customer”) must not be a holder of any HSBC banking or investment accounts (whether as sole accountholder and a joint accountholder) in the past 9 months (both dates inclusive) prior to joining Premier Elite (excluding holder of any personal primary or additional credit card issued by the Bank and MPF accounts).
A new HSBC Premier Elite client by upgrade (“Existing HSBC Customer”) has not previously held Premier Elite status (whether as sole accountholder and a joint accountholder) in the past 9 months (both dates inclusive) prior to joining Premier Elite.
Each HSBC Premier Elite customer can enjoy the Referral Rewards for a maximum of 10 referrals under this Programme. The Referrer can receive HKD10,000 cash reward for each successful New to HSBC Customer referral and HKD3,800 for each successful Existing HSBC Customer referral under the Programme and up to HKD100,000 cash reward if 10 New to HSBC Customer referrals are made successfully. The cash reward will be credited to the Referrer’s Premier account by 31 October 2025.
Eligible Referrer must fulfil the following requirements: (a) an existing HSBC Premier/ Premier Elite customer who maintains a minimum of HKD1,000,000 Average Total Relationship Balance from Referee’s account opening or conversion date to the fifth calendar month after the month of his/her account opening or conversion, or (b) a new-to-Premier/ Premier Elite customer who successfully joins HSBC Premier Elite during the promotional period, has placed new/maintained existing fund to fulfill a minimum of HKD1,000,000 Total Relationship Balance on or before the last day of the first calendar month after the month of account opening or conversion, and maintains a minimum of HKD1,000,000 Average Total Relationship Balance throughout the second, third, fourth and fifth calendar months after the month of account opening or conversion, has not previously held a Premier Elite status in the past 9 months (both dates inclusive) prior to joining Premier Elite/ the new Premier Account opening or conversion month. Please refer to the Promotional Terms and Conditions for the definitions of "Average Total Relationship Balance" and details.
The Referrer's contact number provided by the Referee must be accurate and align with the Bank record for fulfilment purposes.
Eligible Referee must fulfil the following requirements: (a) successfully joins HSBC Premier Elite during the promotional period, and (b) has not previously held Premier Elite status (including sole accountholders and all joint accountholders) in the past 9 months (both dates inclusive) prior to joining Premier Elite, and (c) successfully opened/maintained a valid Premier investment account and has successfully registered for/maintained HSBC Online Banking or Mobile Banking as at the last day of the first calendar month after the month of account opening or conversion, logged in to HSBC Online Banking or Mobile Banking at least once on or before the last day of the first calendar month after the month of account opening or conversion, and (d) has placed new/maintained existing fund to fulfill a minimum of HKD7,800,000 Total Relationship Balance on or before the last day of the first calendar month after the month of account opening or conversion, and maintains a minimum of HKD7,800,000 Average Total Relationship Balance throughout the second, third, fourth and fifth calendar months after the month of account opening or conversion, and (e) Existing HSBC Customer has placed new fund of HKD3,000,000 on or before the last day of first calendar month after the month of account opening/conversion and maintain the new fund throughout the second, third, fourth and fifth calendar months after the month of account opening or conversion. Please refer to the Promotional Terms and Conditions for the definitions of "Average Total Relationship Balance" and details.

Unit Trusts are investment products and some may involve derivatives. The investment decision is yours but you should not invest in the Unit Trusts 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
Unit Trusts are NOT equivalent to time deposits
In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested
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 exchange involves risk. 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.

Unit Trusts

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.
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.
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")

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.
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.
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.
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.
There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
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.
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

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.
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

There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency.
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.
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.
RMB debt instruments are subject to interest rate fluctuations, which may adversely affect the return and performance of the RMB products.
You could lose part or all of your principal if you choose to sell your RMB products prior to maturity.

Securities Trading

The Bank does not provide investment advice on stock trading. Stock trading services provided through any channel involve no solicitation of the sale or recommendation of, or advice on, any stocks from us. All transactions involving the purchase and sale of stocks that you enter into any channel are conducted on an execution-only basis and based on your own judgment; and are not in any way a confirmation or an endorsement from us that it is suitable for you.
Making available to you any advertisements, marketing or promotional materials is part of our Bank’s ordinary course of securities dealing business. It shall not, by itself, constitute solicitation of the sale or recommendation of any investment products.
Investment involves risk. Notwithstanding the benefits of offer(s) mentioned herein, you should carefully consider the risks and features of any investment products (including but not limited to equities/exchange traded funds/exchange traded derivatives & structured products) or services mentioned herein to assess whether they are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

China A Shares

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.
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.

Terms and Conditions for Unit Trusts Fees & Charges:

Other promotional offers on open-end fund initial charge maybe available from time to time. Customer will enjoy the preferential initial charge offer set out above or the prevailing promotional offer, whichever rate is lower.
Details of this open-end fund preferential initial charge offer may be changed from time to time at the discretion of The Hongkong and Shanghai Banking Corporation Limited in Hong Kong SAR (the “Bank”) without prior notice.
The Bank reserves the right to change these Terms and Conditions at any time with reasonable notice and the initial charge offer may be withdrawn by the Bank at its discretion without prior notice.
In case of dispute, the decision of the Bank shall be final and conclusive.
In case of discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.

Life insurance:

The insurance products shown above are not equivalent to any bank deposit or savings. If you wish to learn more about any of the above insurance plans, please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions on the insurance product webpages.

Life insurance products are underwritten by HSBC Life (International) Limited (“HSBC Life”). HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group’s insurance underwriting subsidiaries. HSBC Life 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. Policyholders are subject to the credit risk of HSBC life and early surrender loss.

The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. HSBC Life will be responsible for providing your insurance coverage and handling claims under your policy. 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 HSBC Life and you directly.

General insurance:

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 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, long-lasting 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.

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

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!

Mind, set. Wealth, set.

Enjoy HSBC Premier Elite Welcome Rewards worth over HKD88,000

Exclusive wealth management solutions to grow from strength to strength

New Fund Reward2Footnote link 2