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推薦獎賞詳情

每成功推薦一位親友申請並獲批之產品	推薦人可獲HKTVmall現金券總值	被推薦人可獲HKTVmall現金券總值
指定信用卡，包括︰ • Citibank Cash Back卡 • 恒生Enjoy卡 • 渣打Smart信用卡	HK$100	HK$50
指定私人貸款，包括︰ • 花旗銀行貸款 • 渣打銀行貸款 • 信銀國際貸款	HK$200	HK$200
指定銀行戶口，包括︰ • Citi Plus 戶口 • 信銀國際 inMotion銀行戶口	HK$100	HK$50
指定尊貴戶口，包括︰ • Citigold 戶口	HK$200	HK$200
指定證券戶口，包括︰ • 微牛證券	HK$100	HK$50

	至Hot獨家優惠	點用最抵	本地消費現金回贈	海外消費現金回贈	本地消費里數回贈率	本地網購現金回贈
Citi Cash Back 信用卡	Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499) / Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值 HK$2,488; 白色) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 HK$2,890, 隨機款式) / HK$1,800 Apple Store 禮品卡或惠康超市禮券了解更多	餐飲之選、酒席無上限1%回贈	2 % 本地食肆及本地酒店簽賬	2 % 海外或網上外幣簽賬	不適用	1 %
恒生enJoy卡	Delsey TITANIUM 69.5CM/ 27.5吋雙輪式四輪行李箱 (價值$2,480) / Marshall Emberton藍牙喇叭 (價值HK$1,499) / OTO Power Jet 無線按摩槍 (價值HK$1,980)/ HK$1,000 Apple Store禮品卡或惠康購物現金券或 HKTVmall電子購物禮券了解更多	2000+間特約商戶，盡享高達2%回贈	2 %	0.5 % 於海外零售簽賬	不適用	0.5 % 於網上購物簽賬
渣打Smart信用卡	HK$1,200 HKTVmall電子購物禮券或 HK$1,200 Apple Store禮品卡了解更多	2000+間特約商戶，盡享高達2%回贈	5 % 於特約商戶簽賬	0.55 %	不適用	0.55 %

	至Hot獨家優惠	最低實際年利率	最高貸款額	申請門檻
Citi 特快現金貸款	MoneyHero獨家優惠:高達HK$19,500獎賞，包高達HK$11,500 Apple Store 禮品卡 / 超市現金券了解更多	1.78 %	$200萬 / 月薪12倍	年薪$72,000
信銀國際 $mart Plus 私人貸款	Apple或Dyson禮品高達HK$4,599 了解更多	1.9 %	$200萬	年薪$84,000
渣打銀行私人貸款	總值高達HK$17,298獎賞 iPhone 14 128GB (價值HK$6,899) + Apple Watch SE 40mm (GPS + 流動數據) (價值HK$2,399) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券了解更多	1.85%	$200萬 / 月薪18倍	年薪$96,000

	至Hot獨家優惠	活期利率
Citi Plus 戶口	HK$500 Apple Store禮品卡 / HKTVmall購物禮券 / 百佳電子禮券 / 萬寧禮券 / Sudio Femtio 無線音箱 (價值HK$999) 了解更多	1.5 % 完成指定要求
信銀國際 inMotion	HK$750 Apple Store禮品卡 / HKTVmall購物禮券 / 惠康超市禮券 / 萬寧禮券 / Marshall Emberton 藍牙喇叭 (價值HK$1,499) 了解更多	7.28 % 完成大富翁存款指定要求後的最高額外年利率

	至Hot獨家優惠	活期利率
Citigold戶口	維持HK$250萬資金︰ HK$3,500 Apple Store 禮品卡 / city'super 禮品卡 / 連卡佛禮品卡維持HK$150萬資金︰ HK$2,000 Apple Store 禮品卡 / city'super 禮品卡 / 連卡佛禮品卡了解更多	0.001%

	至Hot獨家優惠	網上交易佣金
微牛證券港股交易服務	獨家高達HK$1,700獎賞了解更多	0 %

Exclusive Offer

Best Value

Featured

Citi Cash Back 信用卡

最低年薪要求

120,000

本地消費現金回贈

本地食肆及本地酒店簽賬

年費 (港幣)

1,800

獎勵

See less

Features Terms & Conditions Fees Eligibility Usage

年費 (港幣)

HK$1,800

外幣兌換手續費

1.95%

最低年齡要求: 18 歲

最低年薪要求: HK$120,000

No

No

Debug data (JSON)
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Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡申請人明白及接納獎賞換領由MoneyHero完成，Citibank花旗銀行(香港)毋須對額外禮遇換領負上任何責任如對是次推廣活動之換領流程有疑問，可參閱活動之條款及細則 ","💰「零成本」賺盡獎賞回贈﹕Citi Cash Back卡終極回贈方法分析","增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！","獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額 2% 本地食肆簽賬回贈 2% 本地酒店簽賬回贈 2% 外幣簽賬回贈 1% 其他零售簽賬回贈當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬 ","免費購物保障保險於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償 ","首年免年費"],"cons":["迎新獎賞及MoneyHero獨家優惠只適用於現在不持有及由申請認可信用卡當月起計過去12個月內不曾持有或不曾取消任何由花旗銀行所發行之Citi信用卡之客戶（「新客戶」）","2%外幣簽賬回贈不適用於於歐洲經濟區的國家之持卡簽賬 2%外幣簽賬回贈不包括在參與歐洲經濟區（「EEA」）的任何國家或於2019年10月19日之後加入EEA的任何國家之具有固定營業地址或於當地註冊的實體店商戶的持卡簽賬。該持卡簽賬定義為基本回贈之合資格簽賬，可獲1%基本回贈 "]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 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link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaLmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1jYXNoLWJhY2stY2MtemgtcnA.5JhitXY_rYg5jwui8IvH-4X9bxLefJ44U4edy5kjdWDtfcbhpEmOYvwNmcojaWq-rmyPspCz8fpMs3pDimQHAQ, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=citi-cash-back-card}, rateTableEntries=null, fees=null, defaults=null}, provider={alias=citibank, providerName=花旗銀行}, description={shortDescription=[本地食肆、本地酒店及外幣簽賬自動無上限2%回贈, 免費購物保障保險]}, productName=Citi Cash Back 信用卡, title=HK.CC.CITI0018.CITICASHBACKCARD, features={title=Features, pros=[最適合短期內進行大額消費人士, MoneyHero限時獨家優惠 <ul> <li>全新Citi信用卡客戶符合指定條件，可選以下MoneyHero限時獨家獎賞 - HK$2,300 Apple Store 禮品卡 (首100位合資格申請者) / Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) /Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) / HK$1,800 Apple Store 禮品卡或惠康超市禮券</li> </ul> <table style="width: 97.6648%;"> <tbody> <tr style="height: 30px;"> <td style="width: 47.7395%; text-align: center; height: 26px;">重要日期</td> <td style="width: 51.0823%; text-align: center; height: 26px;">獎賞條件</td> </tr> <tr style="height: 30px;"> <td style="width: 47.7395%; border-top: 1px solid #ededed; height: 30px;">2023年6月9日中午12時至2023年6月30日下午6時期間</td> <td style="width: 51.0823%; border-top: 1px solid #ededed; height: 30px;">Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡<ul><li>首100位合資格申請者：HK$2,300 Apple Store 禮品卡</li><li>其餘合資格申請者：Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) / Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) / HK$1,800 Apple Store 禮品卡或惠康超市禮券</li></ul></td> </tr> <tr> <td style="height: 50px; width: 47.7395%; border-top: 1px solid #ededed;">收到獎賞換領表格後7日內</td> <td style="height: 50px; width: 51.0823%; border-top: 1px solid #ededed;"> 填妥及遞交較早前經電郵發出之「獎賞換領表格」 </td> </tr> <tr style="height: 30px;"> <td style="width: 47.7395%; border-top: 1px solid #ededed; height: 30px;">2023年7月31日或之前</td> <td style="width: 51.0823%; border-top: 1px solid #ededed; height: 30px;"> 必須成功獲批並啟動申請之信用卡 </td> </tr> <tr style="height: 50px;"> <td style="width: 47.7395%; height: 18px; border-top: 1px solid #ededed;">成功批卡後30日內</td> <td style="width: 51.0823%; height: 18px; border-top: 1px solid #ededed;">憑卡簽賬滿HK$1,000</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>⚠️注意：2023年6月9日中午12時正或之後點擊「立即申請/前往官網」按鈕，方合資格參與限量100份升級Apple Store禮品卡優惠；於此時間前點擊「立即申請/前往官網」按鈕則不作合資格計</li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)</li> <li>建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li><li>請於7日内填妥及遞交「獎賞換領表格」，供MoneyHero與花旗銀行核對獎賞資格</li> <li>指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡</li><li>申請人明白及接納獎賞換領由MoneyHero完成，Citibank花旗銀行(香港)毋須對額外禮遇換領負上任何責任</li> <li>如對是次推廣活動之換領流程有疑問，可參閱活動之<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/19034951283865" target="_blank" rel="noopener">條款及細則</a></li> </ul> </li> </ul>, 💰「零成本」賺盡獎賞回贈﹕<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/%E8%A7%A3%E6%A7%8Bciti-cash-back%E4%BF%A1%E7%94%A8%E5%8D%A1" target="_blank" ga-category="credit-card" ga-action="product panel - clicked" ga-label="/blog/zh/解構citi-cash-back信用卡-ALL;">Citi Cash Back卡終極回贈方法分析</a>, 增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！, 獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額 <ul> <li>2% 本地食肆簽賬回贈</li> <li>2% 本地酒店簽賬回贈</li> <li>2% 外幣簽賬回贈</li> <li>1% 其他零售簽賬回贈</li> <li>當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬</li> </ul>, 免費購物保障保險<ul><li>於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償</li></ul>, 首年免年費], cons=[迎新獎賞及MoneyHero獨家優惠只適用於現在不持有及由申請認可信用卡當月起計過去12個月內不曾持有或不曾取消任何由花旗銀行所發行之Citi信用卡之客戶（「新客戶」）, 2%外幣簽賬回贈不適用於於歐洲經濟區的國家之持卡簽賬 <ul> <li>2%外幣簽賬回贈不包括在參與歐洲經濟區（「EEA」）的任何國家或於2019年10月19日之後加入EEA的任何國家之具有固定營業地址或於當地註冊的實體店商戶的持卡簽賬。該持卡簽賬定義為基本回贈之合資格簽賬，可獲1%基本回贈</li> </ul>]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18 歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=120000, description={shortDescription=HK$120,000, longDescription=null, tooltip=null}}], apr=[{type={key=MINIMUM_PAYMENT, display=最低還款額}, value=null, description={shortDescription=a. 本月月結單所收取的財務費用、年費、逾期手續費、逾期未付款額、其他費用及收費（如有）；及 b. 月結單結欠之1.5% （月結單結欠不包括上述項目a（如適用））；及 c. 所有未償還借貸本金（定義見Citi信用卡「Quick Cash」套現分期計劃之條款及細則和Citi信用卡「分期更好使」計劃之條款及細則）的1.5%（如適用）, longDescription=null, tooltip=null}}, 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link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaLmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1jYXNoLWJhY2stY2MtemgtcnA.5JhitXY_rYg5jwui8IvH-4X9bxLefJ44U4edy5kjdWDtfcbhpEmOYvwNmcojaWq-rmyPspCz8fpMs3pDimQHAQ, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=citi-cash-back-card}, rateTableEntries=null, fees=null, defaults=null}, provider={alias=citibank, providerName=花旗銀行}, description={shortDescription=[本地食肆、本地酒店及外幣簽賬自動無上限2%回贈, 免費購物保障保險]}, productName=Citi Cash Back 信用卡, title=HK.CC.CITI0018.CITICASHBACKCARD, features={title=Features, pros=[最適合短期內進行大額消費人士, MoneyHero限時獨家優惠全新Citi信用卡客戶符合指定條件，可選以下MoneyHero限時獨家獎賞 - HK$2,300 Apple Store 禮品卡 (首100位合資格申請者) / Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) /Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) / HK$1,800 Apple Store 禮品卡或惠康超市禮券重要日期獎賞條件 2023年6月9日中午12時至2023年6月30日下午6時期間 Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡首100位合資格申請者：HK$2,300 Apple Store 禮品卡其餘合資格申請者：Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) / Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) / HK$1,800 Apple Store 禮品卡或惠康超市禮券收到獎賞換領表格後7日內填妥及遞交較早前經電郵發出之「獎賞換領表格」 2023年7月31日或之前必須成功獲批並啟動申請之信用卡成功批卡後30日內憑卡簽賬滿HK$1,000 申請小貼士： ⚠️注意：2023年6月9日中午12時正或之後點擊「立即申請/前往官網」按鈕，方合資格參與限量100份升級Apple Store禮品卡優惠；於此時間前點擊「立即申請/前往官網」按鈕則不作合資格計申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789) 建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠請於7日内填妥及遞交「獎賞換領表格」，供MoneyHero與花旗銀行核對獎賞資格指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡申請人明白及接納獎賞換領由MoneyHero完成，Citibank花旗銀行(香港)毋須對額外禮遇換領負上任何責任如對是次推廣活動之換領流程有疑問，可參閱活動之條款及細則 , 💰「零成本」賺盡獎賞回贈﹕Citi Cash Back卡終極回贈方法分析, 增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！, 獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額 2% 本地食肆簽賬回贈 2% 本地酒店簽賬回贈 2% 外幣簽賬回贈 1% 其他零售簽賬回贈當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬 , 免費購物保障保險於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償 , 首年免年費], cons=[迎新獎賞及MoneyHero獨家優惠只適用於現在不持有及由申請認可信用卡當月起計過去12個月內不曾持有或不曾取消任何由花旗銀行所發行之Citi信用卡之客戶（「新客戶」）, 2%外幣簽賬回贈不適用於於歐洲經濟區的國家之持卡簽賬 2%外幣簽賬回贈不包括在參與歐洲經濟區（「EEA」）的任何國家或於2019年10月19日之後加入EEA的任何國家之具有固定營業地址或於當地註冊的實體店商戶的持卡簽賬。該持卡簽賬定義為基本回贈之合資格簽賬，可獲1%基本回贈 ]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18 歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=120000, description={shortDescription=HK$120,000, longDescription=null, tooltip=null}}], apr=[{type={key=MINIMUM_PAYMENT, display=最低還款額}, value=null, description={shortDescription=a. 本月月結單所收取的財務費用、年費、逾期手續費、逾期未付款額、其他費用及收費（如有）；及 b. 月結單結欠之1.5% （月結單結欠不包括上述項目a（如適用））；及 c. 所有未償還借貸本金（定義見Citi信用卡「Quick Cash」套現分期計劃之條款及細則和Citi信用卡「分期更好使」計劃之條款及細則）的1.5%（如適用）, longDescription=null, tooltip=null}}, {type={key=LATE_CHARGE, display=逾期費用}, value=null, description={shortDescription=每次HK$300/CNY300/US$40或收取逾期手續費的月份上一個月月結單之最低付款額，以較低者為準, longDescription=null, tooltip=null}}, {type={key=RETAIL_APR, display=零售交易實際年利率}, value=null, description={shortDescription=34.28%, longDescription=null, tooltip=null}}, {type={key=CASH_APR, display=透支現金實際年利率}, value=null, description={shortDescription=35.81%, longDescription=null, tooltip=null}}, {type={key=INTEREST_FREE_PERIOD, display=免息還款期限}, value=null, description={shortDescription=58 日, longDescription=null, tooltip=null}}], fees=[{type={key=ANNUAL_FEE, display=年費 (港幣)}, value=null, description={shortDescription=HK$1,800, longDescription=null, tooltip=null}}, {type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=外幣兌換手續費}, value=null, description={shortDescription=1.95%, longDescription=null, tooltip=null}}], offers={welcomeOffers=[{reward=[]}], exclusiveOffers=[{reward=[]}], additionalOffers=null}}

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ANNUAL_FEE], cta_button={url={url={type=EXTERNAL, content_id=null, href=https://moneyhero.link/citi-cash-back-cc-zh-mgm}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}, show=true}, product={id=62168993759, table_id=4701663, table_name=product_moneyhero, columns={hs_id=62168993759, hs_child_table_id=0, hs_updated_at=1686283240706, hs_published_at=1686284679825, productid=blt6709784da7ee8f75_23_zh-hk, data={"__typename":"CreditCard","id":"blt6709784da7ee8f75_23_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt954c462bdafa413a/5e7dad30a65b970bc593e59d/CITICASHBACKMASTERCARD.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"【6月9日中午12時開始⏰】經MoneyHero申請及簽賬滿HK$1,000，首100位合資格申請者可獲 HK$2,300 Apple Store 禮品卡；其餘合資格申請者可獲 Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) / Delsey TITANIUM 81.5CM/ 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禮品卡或惠康超市禮券</li></ul></td> </tr> <tr> <td style=\"height: 50px; width: 47.7395%; border-top: 1px solid #ededed;\">收到獎賞換領表格後7日內</td> <td style=\"height: 50px; width: 51.0823%; border-top: 1px solid #ededed;\"> 填妥及遞交較早前經電郵發出之「獎賞換領表格」 </td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 47.7395%; border-top: 1px solid #ededed; height: 30px;\">2023年7月31日或之前</td> <td style=\"width: 51.0823%; border-top: 1px solid #ededed; height: 30px;\"> 必須成功獲批並啟動申請之信用卡 </td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 47.7395%; height: 18px; border-top: 1px solid #ededed;\">成功批卡後30日內</td> <td style=\"width: 51.0823%; height: 18px; border-top: 1px solid #ededed;\">憑卡簽賬滿HK$1,000</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>⚠️注意：2023年6月9日中午12時正或之後點擊「立即申請/前往官網」按鈕，方合資格參與限量100份升級Apple Store禮品卡優惠；於此時間前點擊「立即申請/前往官網」按鈕則不作合資格計</li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)</li> <li>建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li><li>請於7日内填妥及遞交「獎賞換領表格」，供MoneyHero與花旗銀行核對獎賞資格</li> <li>指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡</li><li>申請人明白及接納獎賞換領由MoneyHero完成，Citibank花旗銀行(香港)毋須對額外禮遇換領負上任何責任</li> <li>如對是次推廣活動之換領流程有疑問，可參閱活動之<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/19034951283865\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul> </li> </ul>","💰「零成本」賺盡獎賞回贈﹕<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/%E8%A7%A3%E6%A7%8Bciti-cash-back%E4%BF%A1%E7%94%A8%E5%8D%A1\" target=\"_blank\" ga-category=\"credit-card\" ga-action=\"product panel - clicked\" ga-label=\"/blog/zh/解構citi-cash-back信用卡-ALL;\">Citi Cash Back卡終極回贈方法分析</a>","增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！","獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額 <ul> <li>2% 本地食肆簽賬回贈</li> <li>2% 本地酒店簽賬回贈</li> <li>2% 外幣簽賬回贈</li> <li>1% 其他零售簽賬回贈</li> <li>當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬</li> </ul>","免費購物保障保險<ul><li>於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償</li></ul>","首年免年費"],"cons":["迎新獎賞及MoneyHero獨家優惠只適用於現在不持有及由申請認可信用卡當月起計過去12個月內不曾持有或不曾取消任何由花旗銀行所發行之Citi信用卡之客戶（「新客戶」）","2%外幣簽賬回贈不適用於於歐洲經濟區的國家之持卡簽賬 <ul> <li>2%外幣簽賬回贈不包括在參與歐洲經濟區（「EEA」）的任何國家或於2019年10月19日之後加入EEA的任何國家之具有固定營業地址或於當地註冊的實體店商戶的持卡簽賬。該持卡簽賬定義為基本回贈之合資格簽賬，可獲1%基本回贈</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 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81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) /HK$1,800 Apple Store 禮品卡或惠康超市禮券 📝完成申請後，請<a href=\"https://moneyhero.link/cc-citi-cash-back-zh-promoban\" target=\"_self\">按此</a>填妥「獎賞換領表格」 【推薦人獎上獎活動】成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 HKTVmall現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！<a href=\"https://bit.ly/43indBK\" target=\"_self\">即睇詳情</a>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blte1ce57981d5dfa54/64828a7748a8ffd9b4475799/20230609-[CC]-Citi-CC---Jun-Limited-Offer-(AGC)-D-PJ23_0406-Campaign_Static-banner_CN_OP.jpg","description":null,"dimension":{"width":"1600","height":"400"}},"countdown":{"text":"額外送AirPods3優惠最後倒數","displayProductPage":false,"date":{"startDate":null,"endDate":"2023-05-22T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"},{"key":"BEST_VALUE","display":"推薦獎賞計劃"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_CONVERSION_FEE","display":"里數兌換手續費"},"sortValue":-9007199254740990,"displayValue":"豁免","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DINING","display":"餐飲消費里數回贈率"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL_ONLINE_SHOPPING","display":"本地網購里數回贈率"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS_ONLINE_SHOPPING","display":"AIRMILES_OVERSEAS_ONLINE_SHOPPING"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"海外消費里數回贈率"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER","display":"迎新里數回贈率"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_DIGITAL_WALLET","display":"電子錢包里數回贈率"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OCTOPUS","display":"八達通増值里數回贈率"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_WELCOME_OFFER_TOTAL","display":"迎新里數回贈上限"},"sortValue":-9007199254740990,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"本地消費里數回贈率"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DIGITAL_WALLET","display":"電子錢包現金回贈"},"sortValue":-1000,"displayValue":"1","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_DINING","display":"餐飲消費現金回贈"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"於本地食肆及本地酒店簽賬","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL","display":"本地消費現金回贈"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"本地食肆及本地酒店簽賬","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_LOCAL_ONLINE_SHOPPING","display":"本地網購現金回贈"},"sortValue":-1000,"displayValue":"1","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS_ONLINE_SHOPPING","display":"外幣網購現金回贈"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"使用網上外幣簽賬","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OVERSEAS","display":"海外消費現金回贈"},"sortValue":-2000,"displayValue":"2","tooltip":null,"description":"海外或網上外幣簽賬","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_WELCOME_OFFER","display":"迎新現金回贈"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"CASHBACK_OCTOPUS","display":"八達通增值現金回贈"},"sortValue":9007199254740991,"displayValue":"不適用","tooltip":null,"description":"","prefix":"","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"外幣兌換手續費"},"sortValue":1950,"displayValue":"1.95","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_FREE_PERIOD","display":"免息還款期限"},"sortValue":-58000,"displayValue":"58","tooltip":null,"description":"","prefix":"","suffix":"日"},{"__typename":"CompareElementSimple","title":{"key":"OCTOPUS_MAXIMUM_TOP_UP_VALUE","display":"八達通自動增值上限"},"sortValue":-250000,"displayValue":"250","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"C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(港幣)"},"sortValue":1800000,"displayValue":"1,800","tooltip":null,"description":"","prefix":"$","suffix":""}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaLmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvY2l0aS1jYXNoLWJhY2stY2MtemgtcnA.5JhitXY_rYg5jwui8IvH-4X9bxLefJ44U4edy5kjdWDtfcbhpEmOYvwNmcojaWq-rmyPspCz8fpMs3pDimQHAQ","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-cash-back-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"花旗銀行"},"description":{"shortDescription":["本地食肆、本地酒店及外幣簽賬自動無上限2%回贈","免費購物保障保險"]},"productName":"Citi Cash Back 信用卡","title":"HK.CC.CITI0018.CITICASHBACKCARD","features":{"title":"Features","pros":["最適合短期內進行大額消費人士","MoneyHero限時獨家優惠 <ul> <li>全新Citi信用卡客戶符合指定條件，可選以下MoneyHero限時獨家獎賞 - HK$2,300 Apple Store 禮品卡 (首100位合資格申請者) / Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) /Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) / HK$1,800 Apple Store 禮品卡或惠康超市禮券</li> </ul> <table style=\"width: 97.6648%;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"width: 47.7395%; text-align: center; height: 26px;\">重要日期</td> <td style=\"width: 51.0823%; text-align: center; height: 26px;\">獎賞條件</td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 47.7395%; border-top: 1px solid #ededed; height: 30px;\">2023年6月9日中午12時至2023年6月30日下午6時期間</td> <td style=\"width: 51.0823%; border-top: 1px solid #ededed; height: 30px;\">Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡<ul><li>首100位合資格申請者：HK$2,300 Apple Store 禮品卡</li><li>其餘合資格申請者：Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) / Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) / HK$1,800 Apple Store 禮品卡或惠康超市禮券</li></ul></td> </tr> <tr> <td style=\"height: 50px; width: 47.7395%; border-top: 1px solid #ededed;\">收到獎賞換領表格後7日內</td> <td style=\"height: 50px; width: 51.0823%; border-top: 1px solid #ededed;\"> 填妥及遞交較早前經電郵發出之「獎賞換領表格」 </td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 47.7395%; border-top: 1px solid #ededed; height: 30px;\">2023年7月31日或之前</td> <td style=\"width: 51.0823%; border-top: 1px solid #ededed; height: 30px;\"> 必須成功獲批並啟動申請之信用卡 </td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 47.7395%; height: 18px; border-top: 1px solid #ededed;\">成功批卡後30日內</td> <td style=\"width: 51.0823%; height: 18px; border-top: 1px solid #ededed;\">憑卡簽賬滿HK$1,000</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>⚠️注意：2023年6月9日中午12時正或之後點擊「立即申請/前往官網」按鈕，方合資格參與限量100份升級Apple Store禮品卡優惠；於此時間前點擊「立即申請/前往官網」按鈕則不作合資格計</li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請時請記下完成申請後頁面提供的申請參考編號 (例如ABC123456789)</li> <li>建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li><li>請於7日内填妥及遞交「獎賞換領表格」，供MoneyHero與花旗銀行核對獎賞資格</li> <li>指定信用卡包括：Citi Cash Back 信用卡、Citi Rewards 信用卡、Citi Rewards 銀聯信用卡、Citi Premier Miles 信用卡及Citi Prestige 信用卡</li><li>申請人明白及接納獎賞換領由MoneyHero完成，Citibank花旗銀行(香港)毋須對額外禮遇換領負上任何責任</li> <li>如對是次推廣活動之換領流程有疑問，可參閱活動之<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/19034951283865\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul> </li> </ul>","💰「零成本」賺盡獎賞回贈﹕<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/%E8%A7%A3%E6%A7%8Bciti-cash-back%E4%BF%A1%E7%94%A8%E5%8D%A1\" target=\"_blank\" ga-category=\"credit-card\" ga-action=\"product panel - clicked\" ga-label=\"/blog/zh/解構citi-cash-back信用卡-ALL;\">Citi Cash Back卡終極回贈方法分析</a>","增值電子錢包PayMe/Alipay HK計入迎新簽賬要求，配合零成本攻略輕鬆賺迎新！","獎賞清晰明確，自動現金回贈無上限，直接抵銷簽賬金額 <ul> <li>2% 本地食肆簽賬回贈</li> <li>2% 本地酒店簽賬回贈</li> <li>2% 外幣簽賬回贈</li> <li>1% 其他零售簽賬回贈</li> <li>當月累積回贈結餘滿HK$200，全數回贈將於下一期賬戶月結單中存入信用卡賬戶內，並用以抵銷最低付款額以外之結欠及新簽賬</li> </ul>","免費購物保障保險<ul><li>於任何地方憑卡簽賬購物，30天內如因意外損毀或遺失，均可獲高達US$7,600賠償</li></ul>","首年免年費"],"cons":["迎新獎賞及MoneyHero獨家優惠只適用於現在不持有及由申請認可信用卡當月起計過去12個月內不曾持有或不曾取消任何由花旗銀行所發行之Citi信用卡之客戶（「新客戶」）","2%外幣簽賬回贈不適用於於歐洲經濟區的國家之持卡簽賬 <ul> <li>2%外幣簽賬回贈不包括在參與歐洲經濟區（「EEA」）的任何國家或於2019年10月19日之後加入EEA的任何國家之具有固定營業地址或於當地註冊的實體店商戶的持卡簽賬。該持卡簽賬定義為基本回贈之合資格簽賬，可獲1%基本回贈</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"120000","description":{"shortDescription":"HK$120,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"最低還款額"},"value":null,"description":{"shortDescription":"a. 本月月結單所收取的財務費用、年費、逾期手續費、逾期未付款額、其他費用及收費（如有）；及\nb. 月結單結欠之1.5% （月結單結欠不包括上述項目a（如適用））；及\nc. 所有未償還借貸本金（定義見Citi信用卡「Quick Cash」套現分期計劃之條款及細則和Citi信用卡「分期更好使」計劃之條款及細則）的1.5%（如適用）","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"逾期費用"},"value":null,"description":{"shortDescription":"每次HK$300/CNY300/US$40或收取逾期手續費的月份上一個月月結單之最低付款額，以較低者為準","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"零售交易實際年利率"},"value":null,"description":{"shortDescription":"34.28%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"透支現金實際年利率"},"value":null,"description":{"shortDescription":"35.81%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"免息還款期限"},"value":null,"description":{"shortDescription":"58 日","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"年費 (港幣)"},"value":null,"description":{"shortDescription":"HK$1,800","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"外幣兌換手續費"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1676866195360, hs_is_edited=false, productname=Citi Cash Back 信用卡, hs_name=}})

Exclusive Offer

Best Value

恒生enJoy卡

最低年薪要求

$
150,000

本地消費現金回贈

2
%

年費 (港幣)

$
0

See more

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獎勵

【6月12日中午12點截止】經MoneyHero申請及簽賬滿HK$1,000，送 Delsey TITANIUM 69.5CM/ 27.5吋雙輪式四輪行李箱 (顏色隨機) (價值HK$2,480) / OTO Power Jet 無線按摩槍 (價值HK$1,980) / Marshall Emberton藍牙喇叭 (價值HK$1,499) / HK$1,000 Apple Store禮品卡或惠康購物現金券或 HKTVmall 電子購物禮劵；迎新送高達120,000 yuu積分
【推薦人獎上獎活動】成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 HKTVmall現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！即睇詳情

Features Terms & Conditions Fees Eligibility Usage

MoneyHero限時獨家優惠

全新/現有其他恒生信用卡客戶符合以下條件，可獲得MoneyHero限時獨家優惠 - Delsey TITANIUM 69.5CM/ 27.5吋雙輪式四輪行李箱 (顏色隨機) (價值HK$2,480) / OTO Power Jet 無線按摩槍 (價值HK$1,980) / Marshall Emberton藍牙喇叭 (價值HK$1,499) / HK$1,000 Apple Store禮品卡或惠康購物現金券或 HKTVmall 電子購物禮劵

重要日期 獎賞條件

即日起至2023年6月12日中午12時

全新/現有其他恒生信用卡客戶經MoneyHero成功申請恒生enJoy卡

收到獎賞換領表格後7日內填妥及遞交較早前經電郵發出之「獎賞換領表格」

2023年7月31日或之前成功獲批信用卡（批核以銀行系統紀錄為準）

成功批卡後30日內憑卡簽賬滿HK$1,000

申請小貼士：

⚠️請不要在申請時登入恒生e-banking，否則無法獲取MoneyHero額外獎賞

申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠

申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠

請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」

申請之信用卡須於2023年7月31日或之前成功獲批（批核以銀行系統紀錄為準）

優惠受條款及細則約束。

迎新獎賞 - 總值高達120,000 yuu積分

2022年12月30日至2023年6月30日期間，成功申請enJoy卡可獲享以下迎新優惠及永久免年費：

獎賞要求（需於新卡發出日期後60日內完成） 迎新獎賞

綁定enJoy卡至yuu及累積合資格零售簽賬滿HK$6,000
全新信用卡客戶
120,000 yuu積分
（相等於價值HK$600獎賞）
或
現有信用卡客戶
80,000 yuu積分
（相等於價值HK$400獎賞）

💰 全港超市食肆最新積分計劃：yuu獎賞計劃登記／儲分／兌換現金獎賞教學

2000+間特約商戶，盡享高達2%回贈
憑卡於特約商戶簽賬，可享高達4倍積分奬賞（即2%回贈）。積分可直接當現金使用（200積分=HK$1），亦可於yuu App兌換電子優惠券及精彩禮品

特約商戶 簽賬可獲回贈

Pizza Hut、PHD、KFC、yuu to me 、美心中菜、指定m.a.x. concepts國際食府及分店、東海堂、Café Landmark、LUMI French-Japanese Cuisine、MUSES、Pop n' Grill、Wildfire Pizzabar、丼丼屋、魚尚及更多 2%回贈
（4倍積分奬賞：HK$1=4 yuu 積分獎賞）

7-Eleven、萬寧、IKEA、惠康、Market Place及旗下特色店舖、yuu to me 1.5%回贈
（3倍積分奬賞：HK$1=3 yuu 積分獎賞）

蜆殼(Shell)、GNC及指定美心食府 1%回贈
（2倍積分奬賞：HK$1=2 yuu 積分獎賞）

其他商戶(包括本地及海外簽賬) 0.5%回贈
（HK$1=1 yuu 積分獎賞）

於特約商戶全年享獨家折扣優惠

7-11：每月8號及18號購物，可獲95折

宜家家居：每月第1及第3個星期三於門市購買傢俬家飾滿HK$3,500可享免費送貨服務﹙離島及澳門除外﹚

萬寧：每月1號及20號購物，可獲94折

惠康、Market Place：每月3號、13號及23號單一簽賬淨值滿HK$100或以上，可獲92折

Pizza Hut：堂食/外賣自取單點主餐牌9折（適用於星期一至日，指定日子除外）

PHD：凡惠顧堂食/外賣自取滿HK$150可獲贈BBQ雞翼4件（適用於星期一至日，指定日子除外）

KFC：堂食及外賣自取95折（星期一至五適用，公眾假期除外）

精選星級酒店食府、商戶及消閒熱點盡享折扣優惠

若客戶於開戶後13個月內取消戶口，並已獲贈迎新獎賞之yuu積分獎賞，則須繳付所獲之迎新獎賞同等價值之金額作為手續費

「全新信用卡客戶」為現在及緊接申請日期前12個月內未曾持有任何恒生信用卡 / 聯營卡 / 消費卡主卡之主卡申請人；「現有信用卡客戶」為現在及 / 或緊接申請日期前12個月內曾持有任何恒生信用卡 / 聯營卡主卡（不包括消費卡及專享卡）之主卡申請人。如現有信用卡客戶於現在及 / 或緊接申請日期前12個月內曾持有恒生enJoy信用卡 / 消費卡之主卡，將不可獲享任何迎新獎賞

有關特約商戶電子優惠券及yuu積分獎賞將於合資格主卡客戶符合有關條件後2個月內分別存入合資格主卡客戶已綁定enJoy卡之yuu手機應用程式及 enJoy卡戶口內。於存入特約商戶電子優惠券及yuu積分獎賞時，有關enJoy卡戶口必須仍然有效及信用狀況良好並仍然綁定於yuu獎賞計劃，方可獲贈特約商戶電子優惠券及yuu積分獎賞

MoneyHero努力保持信息準確。若任何信息與你到訪之金融機構、服務供應商或特定產品網站有所出入，所有金融產品和服務均以他們作準，請參閱相關金融機構的網站為產品資訊的最更新版本

迎新獎賞總值高達120,000 yuu積分

於新卡發出後60日內：
綁定enJoy卡至yuu及累積合資格零售簽賬滿HK$6,000 ，全新信用卡客戶可獲120,000 yuu積分（相等於價值HK$600獎賞）或現有信用卡客戶可獲80,000 yuu積分（相等於價值HK$400獎賞）
推廣期：即日起至2023年6月30日

外幣兌換手續費

1.95%

年費 (港幣)

永久免年費

最低年齡要求: 18 歲

最低年薪要求: HK$150,000 （全日制大學 / 大專學生除外）

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(價值HK$1,980) / Marshall Emberton藍牙喇叭 (價值HK$1,499) / HK$1,000 Apple Store禮品卡或惠康購物現金券或 HKTVmall 電子購物禮劵重要日期獎賞條件即日起至2023年6月12日中午12時全新/現有其他恒生信用卡客戶經MoneyHero成功申請恒生enJoy卡收到獎賞換領表格後7日內填妥及遞交較早前經電郵發出之「獎賞換領表格」 2023年7月31日或之前成功獲批信用卡（批核以銀行系統紀錄為準）成功批卡後30日內憑卡簽賬滿HK$1,000 申請小貼士： ⚠️請不要在申請時登入恒生e-banking，否則無法獲取MoneyHero額外獎賞申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」申請之信用卡須於2023年7月31日或之前成功獲批（批核以銀行系統紀錄為準）優惠受條款及細則約束。 ","迎新獎賞 - 總值高達120,000 yuu積分 2022年12月30日至2023年6月30日期間，成功申請enJoy卡可獲享以下迎新優惠及永久免年費：獎賞要求（需於新卡發出日期後60日內完成）迎新獎賞綁定enJoy卡至yuu及累積合資格零售簽賬滿HK$6,000 全新信用卡客戶 120,000 yuu積分（相等於價值HK$600獎賞）或現有信用卡客戶 80,000 yuu積分（相等於價值HK$400獎賞） ","💰 全港超市食肆最新積分計劃：yuu獎賞計劃登記／儲分／兌換現金獎賞教學","2000+間特約商戶，盡享高達2%回贈憑卡於特約商戶簽賬，可享高達4倍積分奬賞（即2%回贈）。積分可直接當現金使用（200積分=HK$1），亦可於yuu App兌換電子優惠券及精彩禮品特約商戶簽賬可獲回贈 Pizza Hut、PHD、KFC、yuu to me 、美心中菜、指定m.a.x. concepts國際食府及分店、東海堂、Café Landmark、LUMI French-Japanese Cuisine、MUSES、Pop n' Grill、Wildfire Pizzabar、丼丼屋、魚尚及更多 2%回贈（4倍積分奬賞：HK$1=4 yuu 積分獎賞） 7-Eleven、萬寧、IKEA、惠康、Market Place及旗下特色店舖、yuu to me 1.5%回贈（3倍積分奬賞：HK$1=3 yuu 積分獎賞）蜆殼(Shell)、GNC及指定美心食府 1%回贈（2倍積分奬賞：HK$1=2 yuu 積分獎賞）其他商戶(包括本地及海外簽賬) 0.5%回贈（HK$1=1 yuu 積分獎賞） ","於特約商戶全年享獨家折扣優惠 7-11：每月8號及18號購物，可獲95折宜家家居：每月第1及第3個星期三於門市購買傢俬家飾滿HK$3,500可享免費送貨服務﹙離島及澳門除外﹚ 萬寧：每月1號及20號購物，可獲94折惠康、Market Place：每月3號、13號及23號單一簽賬淨值滿HK$100或以上，可獲92折 Pizza Hut：堂食/外賣自取單點主餐牌9折（適用於星期一至日，指定日子除外） PHD：凡惠顧堂食/外賣自取滿HK$150可獲贈BBQ雞翼4件（適用於星期一至日，指定日子除外） KFC：堂食及外賣自取95折（星期一至五適用，公眾假期除外） ","精選星級酒店食府、商戶及消閒熱點盡享折扣優惠"],"cons":["若客戶於開戶後13個月內取消戶口，並已獲贈迎新獎賞之yuu積分獎賞，則須繳付所獲之迎新獎賞同等價值之金額作為手續費","「全新信用卡客戶」為現在及緊接申請日期前12個月內未曾持有任何恒生信用卡 / 聯營卡 / 消費卡主卡之主卡申請人；「現有信用卡客戶」為現在及 / 或緊接申請日期前12個月內曾持有任何恒生信用卡 / 聯營卡主卡（不包括消費卡及專享卡）之主卡申請人。如現有信用卡客戶於現在及 / 或緊接申請日期前12個月內曾持有恒生enJoy信用卡 / 消費卡之主卡，將不可獲享任何迎新獎賞","有關特約商戶電子優惠券及yuu積分獎賞將於合資格主卡客戶符合有關條件後2個月內分別存入合資格主卡客戶已綁定enJoy卡之yuu手機應用程式及 enJoy卡戶口內。於存入特約商戶電子優惠券及yuu積分獎賞時，有關enJoy卡戶口必須仍然有效及信用狀況良好並仍然綁定於yuu獎賞計劃，方可獲贈特約商戶電子優惠券及yuu積分獎賞","MoneyHero努力保持信息準確。若任何信息與你到訪之金融機構、服務供應商或特定產品網站有所出入，所有金融產品和服務均以他們作準，請參閱相關金融機構的網站為產品資訊的最更新版本"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"150000","description":{"shortDescription":"HK$150,000 （全日制大學 / 大專學生除外）","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"最低還款額"},"value":null,"description":{"shortDescription":"最低還款額為HK$300或以下第(i)至(iv)項之總和（以較高者為準）﹕ \n(i) 所有費用及收費（包括財務費用及年費）； \n(ii) 任何仍未繳付上期最低還款額； \n(iii) 總結欠未扣除第(i)及(ii)項金額後仍超逾信用限額的金額；及\n(iv) 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solid #ededed; height: 35px;">收到獎賞換領表格後7日內</td> <td style="width: 50.065%; border-top: 1px solid #ededed; height: 35px;">填妥及遞交較早前經電郵發出之「獎賞換領表格」</td> </tr> <tr style="height: 30px;"> <td style="width: 48.7568%; border-top: 1px solid #ededed; height: 30px;">2023年7月31日或之前</td> <td style="width: 50.065%; border-top: 1px solid #ededed; height: 30px;">成功獲批信用卡（批核以銀行系統紀錄為準）</td> </tr> <tr style="height: 30px;"> <td style="width: 48.7568%; border-top: 1px solid #ededed; height: 30px;">成功批卡後30日內</td> <td style="width: 50.065%; border-top: 1px solid #ededed; height: 30px;">憑卡簽賬滿HK$1,000</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>⚠️請不要在申請時登入恒生e-banking，否則無法獲取MoneyHero額外獎賞</li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li> <li>請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」</li> <li>申請之信用卡須於2023年7月31日或之前成功獲批（批核以銀行系統紀錄為準）</li> <li>優惠受<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/19043955222553" target="_blank" rel="noopener">條款及細則</a>約束。</li> </ul> </li> </ul>, 迎新獎賞 - 總值高達120,000 yuu積分 2022年12月30日至2023年6月30日期間，成功申請enJoy卡可獲享以下迎新優惠及永久免年費： <table style="width: 100%;" width="100%"> <tbody> <tr style="height: 29.5pt;"> <td class="xl63" style="height: 29.5pt; width: 31.524%; text-align: center;" width="64" height="39">獎賞要求（需於新卡發出日期後60日內完成）</td> <td class="xl64" style="width: 23.5908%; text-align: center;" width="64"> </td> <td class="xl65" style="width: 18.9979%; text-align: center;" width="64">迎新獎賞</td> <td class="xl64" style="width: 23.5908%; text-align: center;" width="64"> </td> </tr> <tr style="height: 58.0pt;"> <td class="xl64" style="height: 72.5pt; border-top: 1px solid #ededed; width: 31.524%;" width="64" height="96">綁定enJoy卡至yuu及累積合資格零售簽賬滿HK$6,000</td> <td class="xl64" style="width: 23.5908%; border-top: 1px solid #ededed; text-align: center;" width="64"> 全新信用卡客戶 120,000 yuu積分 （相等於價值HK$600獎賞） </td> <td class="xl64" style="width: 18.9979%; border-top: 1px solid #ededed; text-align: center;" width="64">或</td> <td class="xl64" style="width: 23.5908%; border-top: 1px solid #ededed; text-align: center;" width="64"> 現有信用卡客戶 80,000 yuu積分 （相等於價值HK$400獎賞） </td> </tr> </tbody> </table>  , 💰 全港超市食肆最新積分計劃：<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/yuu-%E7%8D%8E%E8%B3%9E%E8%A8%88%E7%95%AB-%E5%8F%83%E8%88%87%E5%95%86%E6%88%B6-%E7%99%BB%E8%A8%98%E6%96%B9%E6%B3%95-%E6%95%99%E5%AD%B8" target="_blank" ga-category="credit-card" ga-action="product panel - clicked" ga-label="/blog/zh/yuu-獎賞計畫-參與商戶-登記方法-教學">yuu獎賞計劃登記／儲分／兌換現金獎賞教學</a>, 2000+間特約商戶，盡享高達2%回贈 憑卡於特約商戶簽賬，可享高達4倍積分奬賞（即2%回贈）。積分可直接當現金使用（200積分=HK$1），亦可於yuu App兌換電子優惠券及精彩禮品 <table style="width: 100%;"> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 33.4879%;">特約商戶</td> <td style="height: 50px; width: 27.5121%; text-align: center;">簽賬可獲回贈</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed; width: 33.4879%;">Pizza Hut、PHD、KFC、yuu to me 、美心中菜、指定m.a.x. concepts國際食府及分店、東海堂、Café Landmark、LUMI French-Japanese Cuisine、MUSES、Pop n' Grill、Wildfire Pizzabar、丼丼屋、魚尚及更多</td> <td style="height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;">2%回贈 （4倍積分奬賞：HK$1=4 yuu 積分獎賞）</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed; width: 33.4879%;">7-Eleven、萬寧、IKEA、惠康、Market Place及旗下特色店舖、yuu to me</td> <td style="height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;">1.5%回贈 （3倍積分奬賞：HK$1=3 yuu 積分獎賞）</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed; width: 33.4879%;">蜆殼(Shell)、GNC及指定美心食府</td> <td style="height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;">1%回贈 （2倍積分奬賞：HK$1=2 yuu 積分獎賞）</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed; width: 33.4879%;">其他商戶(包括本地及海外簽賬)</td> <td style="height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;">0.5%回贈 （HK$1=1 yuu 積分獎賞）</td> </tr> </tbody> </table>, 於特約商戶全年享獨家折扣優惠 <ul> <li>7-11：每月8號及18號購物，可獲95折</li> <li>宜家家居：每月第1及第3個星期三於門市購買傢俬家飾滿HK$3,500可享免費送貨服務﹙離島及澳門除外﹚</li> <li>萬寧：每月1號及20號購物，可獲94折</li> <li>惠康、Market Place：每月3號、13號及23號單一簽賬淨值滿HK$100或以上，可獲92折</li> <li>Pizza Hut：堂食/外賣自取單點主餐牌9折（適用於星期一至日，指定日子除外）</li> <li>PHD：凡惠顧堂食/外賣自取滿HK$150可獲贈BBQ雞翼4件（適用於星期一至日，指定日子除外）</li> <li>KFC：堂食及外賣自取95折（星期一至五適用，公眾假期除外）</li> </ul>, 精選星級酒店食府、商戶及消閒熱點盡享折扣優惠], cons=[若客戶於開戶後13個月內取消戶口，並已獲贈迎新獎賞之yuu積分獎賞，則須繳付所獲之迎新獎賞同等價值之金額作為手續費, 「全新信用卡客戶」為現在及緊接申請日期前12個月內未曾持有任何恒生信用卡 / 聯營卡 / 消費卡主卡之主卡申請人；「現有信用卡客戶」為現在及 / 或緊接申請日期前12個月內曾持有任何恒生信用卡 / 聯營卡主卡（不包括消費卡及專享卡）之主卡申請人。如現有信用卡客戶於現在及 / 或緊接申請日期前12個月內曾持有恒生enJoy信用卡 / 消費卡之主卡，將不可獲享任何迎新獎賞, 有關特約商戶電子優惠券及yuu積分獎賞將於合資格主卡客戶符合有關條件後2個月內分別存入合資格主卡客戶已綁定enJoy卡之yuu手機應用程式及 enJoy卡戶口內。於存入特約商戶電子優惠券及yuu積分獎賞時，有關enJoy卡戶口必須仍然有效及信用狀況良好並仍然綁定於yuu獎賞計劃，方可獲贈特約商戶電子優惠券及yuu積分獎賞, MoneyHero努力保持信息準確。若任何信息與你到訪之金融機構、服務供應商或特定產品網站有所出入，所有金融產品和服務均以他們作準，請參閱相關金融機構的網站為產品資訊的最更新版本]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18 歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=150000, description={shortDescription=HK$150,000 （全日制大學 / 大專學生除外）, longDescription=null, tooltip=null}}], apr=[{type={key=MINIMUM_PAYMENT, display=最低還款額}, value=null, description={shortDescription=最低還款額為HK$300或以下第(i)至(iv)項之總和（以較高者為準）﹕ (i) 所有費用及收費（包括財務費用及年費）； (ii) 任何仍未繳付上期最低還款額； (iii) 總結欠未扣除第(i)及(ii)項金額後仍超逾信用限額的金額；及 (iv) 總結欠扣除第(i)至(iii)項金額後之1%。, longDescription=null, tooltip=null}}, {type={key=LATE_CHARGE, display=逾期費用}, value=null, description={shortDescription=HK$300或相等於最低還款額之金額（以較低者為準）, longDescription=null, 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enJoy卡戶口內。於存入特約商戶電子優惠券及yuu積分獎賞時，有關enJoy卡戶口必須仍然有效及信用狀況良好並仍然綁定於yuu獎賞計劃，方可獲贈特約商戶電子優惠券及yuu積分獎賞","MoneyHero努力保持信息準確。若任何信息與你到訪之金融機構、服務供應商或特定產品網站有所出入，所有金融產品和服務均以他們作準，請參閱相關金融機構的網站為產品資訊的最更新版本"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"150000","description":{"shortDescription":"HK$150,000 （全日制大學 / 大專學生除外）","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"最低還款額"},"value":null,"description":{"shortDescription":"最低還款額為HK$300或以下第(i)至(iv)項之總和（以較高者為準）﹕ \n(i) 所有費用及收費（包括財務費用及年費）； \n(ii) 任何仍未繳付上期最低還款額； \n(iii) 總結欠未扣除第(i)及(ii)項金額後仍超逾信用限額的金額；及\n(iv) 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無線按摩槍 (價值HK$1,980) / Marshall Emberton藍牙喇叭 (價值HK$1,499) / HK$1,000 Apple Store禮品卡或惠康購物現金券或 HKTVmall 電子購物禮劵</li> </ul> <table style=\"width: 100%; height: 151px;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; text-align: center; height: 26px;\">重要日期</td> <td style=\"width: 50.065%; text-align: center; height: 26px;\">獎賞條件</td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 30px;\"> 即日起至2023年6月12日中午12時 </td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 30px;\"> 全新/現有其他恒生信用卡客戶經MoneyHero成功申請恒生enJoy卡 </td> </tr> <tr style=\"height: 35px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 35px;\">收到獎賞換領表格後7日內</td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 35px;\">填妥及遞交較早前經電郵發出之「獎賞換領表格」</td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 30px;\">2023年7月31日或之前</td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 30px;\">成功獲批信用卡（批核以銀行系統紀錄為準）</td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 30px;\">成功批卡後30日內</td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 30px;\">憑卡簽賬滿HK$1,000</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>⚠️請不要在申請時登入恒生e-banking，否則無法獲取MoneyHero額外獎賞</li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠</li> <li>請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」</li> <li>申請之信用卡須於2023年7月31日或之前成功獲批（批核以銀行系統紀錄為準）</li> <li>優惠受<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/19043955222553\" target=\"_blank\" rel=\"noopener\">條款及細則</a>約束。</li> 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text-align: center;\" width=\"64\">或</td> <td class=\"xl64\" style=\"width: 23.5908%; border-top: 1px solid #ededed; text-align: center;\" width=\"64\"> 現有信用卡客戶 80,000 yuu積分 （相等於價值HK$400獎賞） </td> </tr> </tbody> </table>  ","💰 全港超市食肆最新積分計劃：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/yuu-%E7%8D%8E%E8%B3%9E%E8%A8%88%E7%95%AB-%E5%8F%83%E8%88%87%E5%95%86%E6%88%B6-%E7%99%BB%E8%A8%98%E6%96%B9%E6%B3%95-%E6%95%99%E5%AD%B8\" target=\"_blank\" ga-category=\"credit-card\" ga-action=\"product panel - clicked\" ga-label=\"/blog/zh/yuu-獎賞計畫-參與商戶-登記方法-教學\">yuu獎賞計劃登記／儲分／兌換現金獎賞教學</a>","2000+間特約商戶，盡享高達2%回贈 憑卡於特約商戶簽賬，可享高達4倍積分奬賞（即2%回贈）。積分可直接當現金使用（200積分=HK$1），亦可於yuu App兌換電子優惠券及精彩禮品 <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 33.4879%;\">特約商戶</td> <td style=\"height: 50px; width: 27.5121%; text-align: center;\">簽賬可獲回贈</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 33.4879%;\">Pizza Hut、PHD、KFC、yuu to me 、美心中菜、指定m.a.x. concepts國際食府及分店、東海堂、Café Landmark、LUMI French-Japanese Cuisine、MUSES、Pop n' Grill、Wildfire Pizzabar、丼丼屋、魚尚及更多</td> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;\">2%回贈 （4倍積分奬賞：HK$1=4 yuu 積分獎賞）</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 33.4879%;\">7-Eleven、萬寧、IKEA、惠康、Market Place及旗下特色店舖、yuu to me</td> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;\">1.5%回贈 （3倍積分奬賞：HK$1=3 yuu 積分獎賞）</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 33.4879%;\">蜆殼(Shell)、GNC及指定美心食府</td> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;\">1%回贈 （2倍積分奬賞：HK$1=2 yuu 積分獎賞）</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 33.4879%;\">其他商戶(包括本地及海外簽賬)</td> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 27.5121%; text-align: center;\">0.5%回贈 （HK$1=1 yuu 積分獎賞）</td> </tr> </tbody> </table>","於特約商戶全年享獨家折扣優惠 <ul> <li>7-11：每月8號及18號購物，可獲95折</li> <li>宜家家居：每月第1及第3個星期三於門市購買傢俬家飾滿HK$3,500可享免費送貨服務﹙離島及澳門除外﹚</li> <li>萬寧：每月1號及20號購物，可獲94折</li> <li>惠康、Market Place：每月3號、13號及23號單一簽賬淨值滿HK$100或以上，可獲92折</li> <li>Pizza Hut：堂食/外賣自取單點主餐牌9折（適用於星期一至日，指定日子除外）</li> <li>PHD：凡惠顧堂食/外賣自取滿HK$150可獲贈BBQ雞翼4件（適用於星期一至日，指定日子除外）</li> <li>KFC：堂食及外賣自取95折（星期一至五適用，公眾假期除外）</li> </ul>","精選星級酒店食府、商戶及消閒熱點盡享折扣優惠"],"cons":["若客戶於開戶後13個月內取消戶口，並已獲贈迎新獎賞之yuu積分獎賞，則須繳付所獲之迎新獎賞同等價值之金額作為手續費","「全新信用卡客戶」為現在及緊接申請日期前12個月內未曾持有任何恒生信用卡 / 聯營卡 / 消費卡主卡之主卡申請人；「現有信用卡客戶」為現在及 / 或緊接申請日期前12個月內曾持有任何恒生信用卡 / 聯營卡主卡（不包括消費卡及專享卡）之主卡申請人。如現有信用卡客戶於現在及 / 或緊接申請日期前12個月內曾持有恒生enJoy信用卡 / 消費卡之主卡，將不可獲享任何迎新獎賞","有關特約商戶電子優惠券及yuu積分獎賞將於合資格主卡客戶符合有關條件後2個月內分別存入合資格主卡客戶已綁定enJoy卡之yuu手機應用程式及 enJoy卡戶口內。於存入特約商戶電子優惠券及yuu積分獎賞時，有關enJoy卡戶口必須仍然有效及信用狀況良好並仍然綁定於yuu獎賞計劃，方可獲贈特約商戶電子優惠券及yuu積分獎賞","MoneyHero努力保持信息準確。若任何信息與你到訪之金融機構、服務供應商或特定產品網站有所出入，所有金融產品和服務均以他們作準，請參閱相關金融機構的網站為產品資訊的最更新版本"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"150000","description":{"shortDescription":"HK$150,000 （全日制大學 / 大專學生除外）","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"最低還款額"},"value":null,"description":{"shortDescription":"最低還款額為HK$300或以下第(i)至(iv)項之總和（以較高者為準）﹕ \n(i) 所有費用及收費（包括財務費用及年費）； \n(ii) 任何仍未繳付上期最低還款額； \n(iii) 總結欠未扣除第(i)及(ii)項金額後仍超逾信用限額的金額；及\n(iv) 總結欠扣除第(i)至(iii)項金額後之1%。","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"逾期費用"},"value":null,"description":{"shortDescription":"HK$300或相等於最低還款額之金額（以較低者為準）","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"零售交易實際年利率"},"value":null,"description":{"shortDescription":"35.72%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"透支現金實際年利率"},"value":null,"description":{"shortDescription":"35.98%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"免息還款期限"},"value":null,"description":{"shortDescription":"56 日","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"外幣兌換手續費"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}},{"type":{"key":"ANNUAL_FEE","display":"年費 (港幣)"},"value":null,"description":{"shortDescription":"永久免年費","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[{"title":"迎新獎賞總值高達120,000 yuu積分","tandc":{"shortDescription":null,"longDescrition":"於新卡發出後60日內： <ul><li>綁定enJoy卡至yuu及累積合資格零售簽賬滿HK$6,000 ，全新信用卡客戶可獲120,000 yuu積分（相等於價值HK$600獎賞）或 現有信用卡客戶可獲80,000 yuu積分（相等於價值HK$400獎賞）</li><li>推廣期：即日起至2023年6月30日</li></ul>"}}]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1676866195360, hs_is_edited=false, productname=恒生enJoy卡}})

Exclusive Offer

Best Value

Featured

渣打Smart信用卡

最低年薪要求

$
96,000

本地消費現金回贈

5
%

於特約商戶簽賬

年費 (港幣)

NULL_TEXT_NO_ANNUAL_FEE

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獎勵

【6月19日中午12時截止】經MoneyHero成功申請，毋需簽賬享限時獨家優惠HK$1,200 HKTVmall電子購物禮券或 HK$1,200 Apple Store禮品卡，加信用卡迎新HK$1,200現金回贈，合共價值高達HK$2,400！
【推薦人獎上獎活動】成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 HKTVmall現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！即睇詳情

Features Terms & Conditions Fees Eligibility Usage

MoneyHero限時獨家優惠

全新渣打信用卡客戶符合以下條件，可獲得MoneyHero限時獨家優惠 - HK$1,200 HKTVmall電子購物禮券或 HK$1,200 Apple Store禮品卡

重要日期 獎賞條件

2023年5月31日中午12時至2023年6月19日中午12時

全新渣打信用卡客戶經MoneyHero成功申請渣打Smart信用卡

收到獎賞換領表格後7日內填妥及遞交較早前經電郵發出之「獎賞換領表格」

2023年7月31日或之前成功獲批信用卡（批核以銀行系統紀錄為準）

指定信用卡成功獲批後7日內連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格

申請小貼士：

請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」
申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠

申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：渣打信用卡申請流程教學及拍攝身份證Tips
MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關

優惠受條款及細則約束

迎新獎賞 - HK$1,200現金回贈

獎賞要求 迎新獎賞

全新信用卡客戶於發卡後首1個月憑卡累積合資格簽賬滿HK$4,000 HK$1,200現金回贈

迎新獎賞的現金回贈將於發卡後4個月內存入

由2023年4月1日至6月30日，憑Smart信用卡於Deliveroo簽賬可享8％現金回贈。毋須登記及不設最低消費金額。

Smart信用卡3個月無限次免息分期計劃，助你因應個人財政情況，靈活使用手上資金

信用卡客戶透過SC Mobile應用程式或網上成功申請「信用卡月結單分期」計劃，並選擇3個月還款期，獲批之申請可享3個月免息免手續費分期優惠

註﹕成功申請信用卡「月結單分期」計劃後，每HK$180之簽賬分期金額，渣打銀行將於「360°全面賞」網上換領平台扣除HK$1現金回贈。如未合資格賺取現金回贈之簽賬，渣打銀行亦將每HK$180之簽賬分期金額扣除HK$1現金回贈。如渣打「360 °全面賞」現金回贈結餘不足，會以負數顯示。

全年優惠：HKTVmall、百佳及其他特約商戶簽賬享5%現金回贈

憑卡到特約商戶簽賬可享全年5%現金回贈及串流平台（即HK$20簽賬 = HK$1現金回贈）

由2023年起，日本城新加盟為Smart信用卡特約商戶

其他特約商戶包括759阿信屋、OK便利店、Klook、百佳、香港莎莎及屈臣氏等

主要影片及音樂串流平台包括Amazon Prime Video、Disney+、Netflix、Now TV、JOOX、KKBOX、MOOV、Spotify

不設最低消費額要求

推廣期期間5%現金回贈上限為HK$3,000（簽賬滿HK$60,000達回贈上限）

其他零售簽賬（網上簽賬及免息分期付款計劃）、八達通自動增值及PayMe增值享0.55%現金回贈（即HK$180簽賬 = HK$1現金回贈）

Agoda推廣優惠：渣打銀行信用卡用戶專享，預訂全球酒店低至93折

💰如何賺盡渣打Smart信用卡5%現金回贈？解構渣打Smart信用卡

永久免年費

不設外幣交易手續費

憑卡網上購物或到海外簽賬，不論是以外幣結帳或是港幣結帳，無需額外支付交易徵費

不設現金透支服務費

迎新獎賞及MoneyHero獨家優惠適用於現時並未持有及過去6個月未有取消渣打信用卡的申請人

全新信用卡客戶為現時並未持有及於現時所申請渣打信用卡主卡批核日起計之過去6個月內沒有取消任何由渣打銀行(香港)有限公司發行之渣打信用卡或MANHATTAN信用卡主卡之申請人

於2023年1月1日至12月31日，特約商戶享有5%現金回贈之合資格簽賬之最高金額為HK$60,000。額外於特約商戶之簽賬將當作其他合資格簽賬

須到「360°全面賞」網上平台換領賺取之現金回贈

所賺取之現金回贈將於合資格簽賬誌賬後顯示於「360°全面賞」網上平台，不會自動存入信用卡戶口

持卡人須登入網上平台換領現金回贈

每次須至少換領HK$50現金回贈

受詳盡之條款及細則約束，有關信用卡詳情請瀏覽渣打銀行網頁
借定唔借？還得到先好借！

HK$1,200現金回贈

迎新禮遇只適用於2023年2月28日至2023年6月29日期間透過網上遞交渣打Smart信用卡申請及符合相關要求之全新信用卡客戶。全新信用卡客戶為現時並未持有及於現時所申請渣打信用卡主卡批核日起計之過去6個月內沒有取消任何由渣打銀行（香港）有限公司發行之渣打信用卡或MANHATTAN信用卡主卡之申請人
迎新禮遇須受相關條款及細則約束，詳情請瀏覽渣打銀行（香港）有限公司網站
全新信用卡客戶於發卡後首1個月憑卡累積合資格簽賬滿HK$4,000 可獲贈HK$1,200現金回贈
合資格簽賬為新批核之渣打Smart信用卡獲發出後首2個月內之本地及海外零售簽賬、網上消費或已誌賬之分期付款金額

年費 (港幣)

永久免年費

外幣兌換手續費

豁免

最低年齡要求: 18 歲

最低年薪要求: HK$96,000

No

No

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show=true, isNoDealCTA=false}, functional={metaData={alias=standard-chartered-smart-credit-card}, rateTableEntries=null, fees=null, defaults=null}, provider={alias=standard-chartered, providerName=渣打銀行}, description={shortDescription=[全年優惠 - HKTVmall、百佳及其他特約商戶簽賬享5%現金回贈]}, productName=渣打Smart信用卡, title=HK.CC.STCH0005.STANDARDCHARTEREDSMARTCREDITCARD, features={title=Features, pros=[MoneyHero限時獨家優惠 <ul> <li>全新渣打信用卡客戶符合以下條件，可獲得MoneyHero限時獨家優惠 - HK$1,200 HKTVmall電子購物禮券或 HK$1,200 Apple Store禮品卡</li> </ul> <table style="width: 100%; height: 151px;"> <tbody> <tr style="height: 30px;"> <td style="width: 48.7568%; text-align: center; height: 26px;">重要日期</td> <td style="width: 50.065%; text-align: center; height: 26px;">獎賞條件</td> </tr> <tr style="height: 30px;"> <td style="width: 48.7568%; border-top: 1px solid #ededed; height: 30px;"> 2023年5月31日中午12時至2023年6月19日中午12時 </td> <td style="width: 50.065%; border-top: 1px solid #ededed; height: 30px;"> 全新渣打信用卡客戶經MoneyHero成功申請渣打Smart信用卡 </td> </tr> <tr style="height: 35px;"> <td style="width: 48.7568%; border-top: 1px solid #ededed; height: 35px;">收到獎賞換領表格後7日內</td> <td style="width: 50.065%; border-top: 1px solid #ededed; height: 35px;">填妥及遞交較早前經電郵發出之「獎賞換領表格」</td> </tr> <tr style="height: 30px;"> <td style="width: 48.7568%; border-top: 1px solid #ededed; height: 30px;">2023年7月31日或之前</td> <td style="width: 50.065%; border-top: 1px solid #ededed; height: 30px;">成功獲批信用卡（批核以銀行系統紀錄為準）</td> </tr> <tr style="height: 30px;"> <td style="width: 48.7568%; border-top: 1px solid #ededed; height: 30px;">指定信用卡成功獲批後7日內</td> <td style="width: 50.065%; border-top: 1px solid #ededed; height: 30px;">連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」</li><li>申請產品前請關掉AdBlocker及「私人模式」：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/moneyhero%E5%AF%A6%E6%B8%AC-%E6%B8%A3%E6%89%93%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%94%B3%E8%AB%8B%E6%B5%81%E7%A8%8B" target="_blank">渣打信用卡申請流程教學及拍攝身份證Tips </a></li><li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關</li> <li>優惠受<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/19009367592857">條款及細則</a>約束</li></ul> </li> </ul>, 迎新獎賞 - HK$1,200現金回贈 <table style="width: 100%;"> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 65%;" width="65%">獎賞要求</td> <td style="text-align: center; height: 50px; width: 33.9367%;">迎新獎賞</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #ededed; width: 65%;">全新信用卡客戶於發卡後首1個月憑卡累積合資格簽賬滿HK$4,000</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 33.9367%;">HK$1,200現金回贈</td> </tr> </tbody> </table> <ul> <li>迎新獎賞的現金回贈將於發卡後4個月內存入</li> </ul>, 由2023年4月1日至6月30日，憑Smart信用卡於Deliveroo簽賬可享8％現金回贈。毋須登記及不設最低消費金額。, Smart信用卡3個月無限次免息分期計劃，助你因應個人財政情況，靈活使用手上資金 <ul> <li>信用卡客戶透過SC Mobile應用程式或網上成功申請「信用卡月結單分期」計劃，並選擇3個月還款期，獲批之申請可享3個月免息免手續費分期優惠</li> <li>註﹕成功申請信用卡「月結單分期」計劃後，每HK$180之簽賬分期金額，渣打銀行將於「360°全面賞」網上換領平台扣除HK$1現金回贈。如未合資格賺取現金回贈之簽賬，渣打銀行亦將每HK$180之簽賬分期金額扣除HK$1現金回贈。如渣打「360 °全面賞」現金回贈結餘不足，會以負數顯示。</li> </ul>, 全年優惠：HKTVmall、百佳及其他特約商戶簽賬享5%現金回贈 <ul> <li>憑卡到特約商戶簽賬可享全年5%現金回贈及串流平台（即HK$20簽賬 = HK$1現金回贈） <ul> <li>由2023年起，日本城新加盟為Smart信用卡特約商戶</li> <li>其他特約商戶包括759阿信屋、OK便利店、Klook、百佳、香港莎莎及屈臣氏等</li> <li>主要影片及音樂串流平台包括Amazon Prime Video、Disney+、Netflix、Now TV、JOOX、KKBOX、MOOV、Spotify</li> <li>不設最低消費額要求</li> <li>推廣期期間5%現金回贈上限為HK$3,000（簽賬滿HK$60,000達回贈上限）</li> </ul> </li> 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HKTVmall電子購物禮券或 HK$1,200 Apple Store禮品卡</li> </ul> <table style=\"width: 100%; height: 151px;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; text-align: center; height: 26px;\">重要日期</td> <td style=\"width: 50.065%; text-align: center; height: 26px;\">獎賞條件</td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 30px;\"> 2023年5月31日中午12時至2023年6月19日中午12時 </td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 30px;\"> 全新渣打信用卡客戶經MoneyHero成功申請渣打Smart信用卡 </td> </tr> <tr style=\"height: 35px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 35px;\">收到獎賞換領表格後7日內</td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 35px;\">填妥及遞交較早前經電郵發出之「獎賞換領表格」</td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 30px;\">2023年7月31日或之前</td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 30px;\">成功獲批信用卡（批核以銀行系統紀錄為準）</td> </tr> <tr style=\"height: 30px;\"> <td style=\"width: 48.7568%; border-top: 1px solid #ededed; height: 30px;\">指定信用卡成功獲批後7日內</td> <td style=\"width: 50.065%; border-top: 1px solid #ededed; height: 30px;\">連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格</td> </tr> </tbody> </table> <ul> <li>申請小貼士： <ul> <li>請於收到表格後7日內，填妥及遞交早前經電郵發出之「獨家獎賞換領表格」</li><li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>申請前記得預備好手機及香港身份證！建議申請時一次過交齊所需文件，以加快批核程序。完成申請時，記得抄低申請參考編號，以方便隨時查詢申請進度及領取MoneyHero獨家優惠：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/moneyhero%E5%AF%A6%E6%B8%AC-%E6%B8%A3%E6%89%93%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%94%B3%E8%AB%8B%E6%B5%81%E7%A8%8B\" target=\"_blank\">渣打信用卡申請流程教學及拍攝身份證Tips </a></li><li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關</li> <li>優惠受<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/19009367592857\">條款及細則</a>約束</li></ul> </li> </ul>","迎新獎賞 - HK$1,200現金回贈 <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 65%;\" width=\"65%\">獎賞要求</td> <td style=\"text-align: center; height: 50px; width: 33.9367%;\">迎新獎賞</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #ededed; width: 65%;\">全新信用卡客戶於發卡後首1個月憑卡累積合資格簽賬滿HK$4,000</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 33.9367%;\">HK$1,200現金回贈</td> </tr> </tbody> </table> <ul> <li>迎新獎賞的現金回贈將於發卡後4個月內存入</li> </ul>","由2023年4月1日至6月30日，憑Smart信用卡於Deliveroo簽賬可享8％現金回贈。毋須登記及不設最低消費金額。","Smart信用卡3個月無限次免息分期計劃，助你因應個人財政情況，靈活使用手上資金 <ul> <li>信用卡客戶透過SC Mobile應用程式或網上成功申請「信用卡月結單分期」計劃，並選擇3個月還款期，獲批之申請可享3個月免息免手續費分期優惠</li> <li>註﹕成功申請信用卡「月結單分期」計劃後，每HK$180之簽賬分期金額，渣打銀行將於「360°全面賞」網上換領平台扣除HK$1現金回贈。如未合資格賺取現金回贈之簽賬，渣打銀行亦將每HK$180之簽賬分期金額扣除HK$1現金回贈。如渣打「360 °全面賞」現金回贈結餘不足，會以負數顯示。</li> </ul>","全年優惠：HKTVmall、百佳及其他特約商戶簽賬享5%現金回贈 <ul> <li>憑卡到特約商戶簽賬可享全年5%現金回贈及串流平台（即HK$20簽賬 = HK$1現金回贈） <ul> <li>由2023年起，日本城新加盟為Smart信用卡特約商戶</li> <li>其他特約商戶包括759阿信屋、OK便利店、Klook、百佳、香港莎莎及屈臣氏等</li> <li>主要影片及音樂串流平台包括Amazon Prime Video、Disney+、Netflix、Now TV、JOOX、KKBOX、MOOV、Spotify</li> <li>不設最低消費額要求</li> <li>推廣期期間5%現金回贈上限為HK$3,000（簽賬滿HK$60,000達回贈上限）</li> </ul> </li> <li>其他零售簽賬（網上簽賬及免息分期付款計劃）、八達通自動增值及PayMe增值享0.55%現金回贈（即HK$180簽賬 = HK$1現金回贈）</li> </ul>","Agoda推廣優惠：渣打銀行信用卡用戶專享，預訂全球酒店低至93折","💰如何賺盡渣打Smart信用卡5%現金回贈？<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/%E8%A7%A3%E6%A7%8B-%E6%B8%A3%E6%89%93-smart%E4%BF%A1%E7%94%A8%E5%8D%A1\" ga-category=\"credit-card\" ga-action=\"product panel - clicked\" ga-label=\"/SCBSmartCardBlog\" target=\"_blank\">解構渣打Smart信用卡</a>","永久免年費","不設外幣交易手續費 <ul> <li>憑卡網上購物或到海外簽賬，不論是以外幣結帳或是港幣結帳，無需額外支付交易徵費</li> </ul>","不設現金透支服務費"],"cons":["迎新獎賞及MoneyHero獨家優惠適用於現時並未持有及過去6個月未有取消渣打信用卡的申請人<ul> <li>全新信用卡客戶為現時並未持有及於現時所申請渣打信用卡主卡批核日起計之過去6個月內沒有取消任何由渣打銀行(香港)有限公司發行之渣打信用卡或MANHATTAN信用卡主卡之申請人</li> </ul>","於2023年1月1日至12月31日，特約商戶享有5%現金回贈之合資格簽賬之最高金額為HK$60,000。額外於特約商戶之簽賬將當作其他合資格簽賬","須到「360°全面賞」網上平台換領賺取之現金回贈 <ul> <li>所賺取之現金回贈將於合資格簽賬誌賬後顯示於「360°全面賞」網上平台，不會自動存入信用卡戶口</li> <li>持卡人須登入網上平台換領現金回贈</li> <li>每次須至少換領HK$50現金回贈</li> </ul>","受詳盡之條款及細則約束，有關信用卡詳情請瀏覽渣打銀行網頁 借定唔借？還得到先好借！"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18 歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"最低還款額"},"value":null,"description":{"shortDescription":"所有利息及費用（包括年費）及超逾信用額之全數金額及/或逾期之全數金額（如適用），加上月結單總結欠的1%。「最低付款額」為上述所有項目之總額或220港元/人民幣，以較高者為準","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"逾期費用"},"value":null,"description":{"shortDescription":"未付結欠餘額的5%（最低為220港元/人民幣，最高為350港元/人民幣）或最低付款額，以較低者為準","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"零售交易實際年利率"},"value":null,"description":{"shortDescription":"35.7%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"透支現金實際年利率"},"value":null,"description":{"shortDescription":"37.13%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"免息還款期限"},"value":null,"description":{"shortDescription":"長達56日","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"年費 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Exclusive Offer

Featured

Citi 特快現金貸款

最低實際年利率

1.78
%

總還款額低至

$
411,520

See more

See less

獎勵

【6月30日截止！】高達HK$19,500獎賞，包括 高達HK$11,500 Apple Store 禮品卡或超市現金券。
靈活還款期，無隱藏條款
貸款即日批核，現金即日到手
【推薦人獎上獎活動】成功申請後，只要你每推薦一位親友成功獲批指定金融產品並符合獎賞資格，你就可獲高達HK$300 HKTVmall現金券！推薦不設上限，成功推薦親友越多，獎賞越多！即睇詳情

Features Terms & Conditions Fees Eligibility Usage

【MoneyHero獨家優惠】Apple Store 禮品卡 / 超市現金券！

客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠：

2023年6月1日至2023年6月30日期間經MoneyHero成功申請Citi 特快現金貸款或Citi 卡數結餘轉戶，

選擇還款期為12個月或以上，並於1個月內提取貸款

貸款額 Apple Store 禮品卡 / 超市現金券

HK$800,000 或以上 HK$11,500 Apple Store 禮品卡 / 超市現金券

HK$500,000 至 HK$799,999 HK$8,600 Apple Store 禮品卡 / 超市現金券

HK$300,000 至 HK$499,999 HK$7,600 Apple Store 禮品卡 / 超市現金券

HK$200,000 至 HK$299,999
HK$5,600 Apple Store 禮品卡 / 超市現金券

HK$100,000 至 HK$199,999 HK$3,600 Apple Store 禮品卡 / 超市現金券

所有獨家優惠均以顏色隨機形式發放

如欲了解優惠詳情，請參閱條款及細則

【Citi迎新優惠】高達HK$8,000現金券
客戶須於2023年4月1日至2023年6月30日期間成功申請Citi 特快現金貸款或Citi 卡數結餘轉戶，並於2023年7月14日或之前提取貸款，可獲高達HK$8,000現金券：

貸款額 還款期長達24個月或以下
還款期長達24個月以上

花旗私人客戶/Citigold客戶/
Citi ULTIMA卡
之持有人 其他客戶 花旗私人客戶/Citigold客戶/
Citi ULTIMA卡
之持有人 其他客戶

HK$1,500,000 或以上
HK$500

HK$400
HK$8,000 HK$4,000

HK$800,000 至 HK$1,499,999
HK$500
HK$400
HK$4,000
HK$2,500

HK$400,000 至 HK$799,999
HK$500

HK$400

HK$2,000
HK$1,500

HK$100,000 至 HK$399,999
HK$500

HK$400
HK$700
HK$600

現金券獎賞換領信將於2023年9月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。

如欲了解優惠詳情，請參閱條款及細則

產品特色

貸款即日批核，現金即日到手

Citi 特快現金貸款額高達月薪12倍或 HK$2,000,000，以較低者為準

還款期長達60個月，HK$0手續費

無隱藏條款

為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾

注意事項

Citi 特快現金貸款或Citi 卡數結餘轉戶的申請必須在2023年6月30日或之前成功申請。申請日期以花旗銀行的系統紀錄為準

客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞：

花旗私人客戶需保持户口結餘達HK$8,000,000或以上； Citigold客戶則需保持户口結餘達HK$1,500,000或以上；而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡

優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶

現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址

每位合資格客戶於推廣期內只可享獎賞1次

「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異

實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。只適用於指定申請途徑。

借定唔借？還得到先好借！

Unsupported fee format

最低年薪要求: HK$72,000

最低年齡要求: 18歲

No

No

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width: 16.885%; text-align: left; height: 54px;"> HK$2,000 </td> <td style="border-top: 1px solid #a9a9a9; width: 19.6142%; text-align: left; height: 54px;">HK$1,500</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;">HK$100,000 至 HK$399,999</td> <td style="border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;"> HK$500 </td> <td style="border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;"> HK$400 </td> <td style="border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;">HK$700</td> <td style="border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;"> HK$600 </td> </tr> </tbody> </table> <ul> <li>現金券獎賞換領信將於2023年9月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> <li>如欲了解優惠詳情，請參閱<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt721f23d187bfa4d6/6422a6df6ab0220c76253361/2023_Q2_PIL_TnC_Mar23_(FINAL).pdf" target="_blank" rel="noopener">條款及細則</a></li> </ul>, 產品特色 <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 特快現金貸款額高達月薪12倍或 HK$2,000,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>, 為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！ MoneyHero貸款專家：<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法" ga-category="personal-loan" ga-action="product panel - clicked" ga-label="/rp/7th/citibank/tax" target="_blank">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>], cons=[注意事項 <ul> <li>Citi 特快現金貸款或Citi 卡數結餘轉戶的申請必須在2023年6月30日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000或以上； Citigold客戶則需保持户口結餘達HK$1,500,000或以上；而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。只適用於指定申請途徑。</li> <li>借定唔借？還得到先好借！</li> </ul>]}, eligibility=[{type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=18歲, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type=null, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=8000.0, loanAmountMax=2000000.0, apr=1.78, eir=null, interestRate=0.08, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})
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【Citi迎新優惠】高達HK$8,000現金券客戶須於2023年4月1日至2023年6月30日期間成功申請Citi 特快現金貸款或Citi 卡數結餘轉戶，並於2023年7月14日或之前提取貸款，可獲高達HK$8,000現金券：貸款額還款期長達24個月或以下還款期長達24個月以上花旗私人客戶/Citigold客戶/ Citi ULTIMA卡之持有人其他客戶花旗私人客戶/Citigold客戶/ Citi ULTIMA卡之持有人其他客戶 HK$1,500,000 或以上 HK$500 HK$400 HK$8,000 HK$4,000 HK$800,000 至 HK$1,499,999 HK$500 HK$400 HK$4,000 HK$2,500 HK$400,000 至 HK$799,999 HK$500 HK$400 HK$2,000 HK$1,500 HK$100,000 至 HK$399,999 HK$500 HK$400 HK$700 HK$600 現金券獎賞換領信將於2023年9月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。如欲了解優惠詳情，請參閱條款及細則 , 產品特色貸款即日批核，現金即日到手 Citi 特快現金貸款額高達月薪12倍或 HK$2,000,000，以較低者為準還款期長達60個月，HK$0手續費無隱藏條款 , 為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！ MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾], cons=[注意事項 Citi 特快現金貸款或Citi 卡數結餘轉戶的申請必須在2023年6月30日或之前成功申請。申請日期以花旗銀行的系統紀錄為準客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞：花旗私人客戶需保持户口結餘達HK$8,000,000或以上； Citigold客戶則需保持户口結餘達HK$1,500,000或以上；而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址每位合資格客戶於推廣期內只可享獎賞1次「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。只適用於指定申請途徑。借定唔借？還得到先好借！ ]}, eligibility=[{type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=18歲, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type=null, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, 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style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; height: 50px; text-align: left;\">HK$8,600 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; text-align: left;\">HK$7,600 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; height: 50px; text-align: left;\"> HK$5,600 Apple Store 禮品卡 / 超市現金券 </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; height: 50px; text-align: left;\">HK$3,600 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/16563143100953\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","【Citi迎新優惠】高達HK$8,000現金券 客戶須於2023年4月1日至2023年6月30日期間成功申請Citi 特快現金貸款或Citi 卡數結餘轉戶，並於2023年7月14日或之前提取貸款，可獲高達HK$8,000現金券： <table style=\"width: 100%; height: 312px;\"> <tbody> <tr style=\"height: 18px;\"> <td style=\"width: 22.671%; text-align: left; height: 108px;\" rowspan=\"2\"> 貸款額</td> <td style=\"width: 32.8785%; text-align: left; height: 18px;\" colspan=\"2\">還款期長達24個月或以下 </td> <td style=\"width: 36.4992%; text-align: left; height: 18px;\" colspan=\"2\">還款期長達24個月以上</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 16.7304%; text-align: left; height: 90px;\">花旗私人客戶/Citigold客戶/ Citi ULTIMA卡 之持有人</td> <td style=\"width: 16.1481%; text-align: left; height: 90px;\">其他客戶</td> <td style=\"width: 16.885%; height: 90px; text-align: left;\">花旗私人客戶/Citigold客戶/ Citi ULTIMA卡 之持有人</td> <td style=\"width: 19.6142%; height: 90px; text-align: left;\">其他客戶</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$1,500,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> HK$400 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$8,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$4,000</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$800,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\">HK$400</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\"> HK$4,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$2,500</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left; height: 54px;\">HK$400,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 54px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 54px;\"> HK$400 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; text-align: left; height: 54px;\"> HK$2,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; text-align: left; height: 54px;\">HK$1,500</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$100,000 至 HK$399,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> HK$400 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$700</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\"> HK$600 </td> </tr> </tbody> </table> <ul> <li>現金券獎賞換領信將於2023年9月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt721f23d187bfa4d6/6422a6df6ab0220c76253361/2023_Q2_PIL_TnC_Mar23_(FINAL).pdf\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","產品特色 <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 特快現金貸款額高達月薪12倍或 HK$2,000,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>","為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！ MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["注意事項 <ul> <li>Citi 特快現金貸款或Citi 卡數結餘轉戶的申請必須在2023年6月30日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000或以上； Citigold客戶則需保持户口結餘達HK$1,500,000或以上；而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。只適用於指定申請途徑。</li> <li>借定唔借？還得到先好借！</li> 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target=\"_self\">即睇詳情</a>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltd3e3c7057d7e47d2/6476d3a173a3ae3fa749dbb7/20230601-[PL]-Citi-June-visuals-D-PJ23_0374-Campaign_Static-Banner_CN_OP.jpg","description":null,"dimension":null},"countdown":{"text":"","displayProductPage":true,"date":{"startDate":"2021-07-28T04:00:00.000Z","endDate":"2021-07-30T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":411520000,"displayValue":"411,520","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":11431111,"displayValue":"11,431","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1780,"displayValue":"1.78","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2l0aS1zcGVlZHktY2FzaC1sb2FuLXpoLXJlc3VsdHBhZ2U.gHGkAYnp9qpL8ZDiYy06xzBJUjNdLOMh0IS4G-SG2G8P4jdk-jCESkxG7Qk1_I4E9XrpLDVkWwdMRao3K8SiCg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-speedy-cash"},"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"citibank","providerName":"花旗銀行"},"description":{"shortDescription":["實際年利率低至1.78%，以月平息0.08%、貸款額HK$1,500,000及還款期12個月計算","其他貸款額及還款期的實際年利率，以實際批核結果為準"]},"productName":"Citi 特快現金貸款","title":"HK.PL.CITI0002.SPEEDYCASH","features":{"title":"Features","pros":["【MoneyHero獨家優惠】Apple Store 禮品卡 / 超市現金券！ <ul> <li>客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠： <ul> <li>2023年6月1日至2023年6月30日期間經MoneyHero成功申請Citi 特快現金貸款或Citi 卡數結餘轉戶，</li> <li>選擇還款期為12個月或以上，並於1個月內提取貸款</li> </ul> </li> </ul> <table style=\"width: 100%; height: 250px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 17.8977%; text-align: left;\">貸款額</td> <td style=\"width: 29.1193%; height: 50px; text-align: left;\">Apple Store 禮品卡 / 超市現金券 </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$800,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; height: 50px; text-align: left;\">HK$11,500 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$500,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; height: 50px; text-align: left;\">HK$8,600 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; text-align: left;\">HK$7,600 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; height: 50px; text-align: left;\"> HK$5,600 Apple Store 禮品卡 / 超市現金券 </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.8977%; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 29.1193%; height: 50px; text-align: left;\">HK$3,600 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/16563143100953\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","【Citi迎新優惠】高達HK$8,000現金券 客戶須於2023年4月1日至2023年6月30日期間成功申請Citi 特快現金貸款或Citi 卡數結餘轉戶，並於2023年7月14日或之前提取貸款，可獲高達HK$8,000現金券： <table style=\"width: 100%; height: 312px;\"> <tbody> <tr style=\"height: 18px;\"> <td style=\"width: 22.671%; text-align: left; height: 108px;\" rowspan=\"2\"> 貸款額</td> <td style=\"width: 32.8785%; text-align: left; height: 18px;\" colspan=\"2\">還款期長達24個月或以下 </td> <td style=\"width: 36.4992%; text-align: left; height: 18px;\" colspan=\"2\">還款期長達24個月以上</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 16.7304%; text-align: left; height: 90px;\">花旗私人客戶/Citigold客戶/ Citi ULTIMA卡 之持有人</td> <td style=\"width: 16.1481%; text-align: left; height: 90px;\">其他客戶</td> <td style=\"width: 16.885%; height: 90px; text-align: left;\">花旗私人客戶/Citigold客戶/ Citi ULTIMA卡 之持有人</td> <td style=\"width: 19.6142%; height: 90px; text-align: left;\">其他客戶</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$1,500,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> HK$400 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$8,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$4,000</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$800,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\">HK$400</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\"> HK$4,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$2,500</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left; height: 54px;\">HK$400,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 54px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 54px;\"> HK$400 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; text-align: left; height: 54px;\"> HK$2,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; text-align: left; height: 54px;\">HK$1,500</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$100,000 至 HK$399,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> HK$500 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> HK$400 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$700</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\"> HK$600 </td> </tr> </tbody> </table> <ul> <li>現金券獎賞換領信將於2023年9月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt721f23d187bfa4d6/6422a6df6ab0220c76253361/2023_Q2_PIL_TnC_Mar23_(FINAL).pdf\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","產品特色 <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 特快現金貸款額高達月薪12倍或 HK$2,000,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>","為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！ MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["注意事項 <ul> <li>Citi 特快現金貸款或Citi 卡數結餘轉戶的申請必須在2023年6月30日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000或以上； Citigold客戶則需保持户口結餘達HK$1,500,000或以上；而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。只適用於指定申請途徑。</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"18歲","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1680256540424, hs_is_edited=false, productname=Citi 特快現金貸款}})

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信銀國際 $mart Plus 私人貸款

最低實際年利率

1.9
%

總還款額低至

$
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獎勵

【6月30日截止】經MoneyHero成功申請貸款，可享獨家禮品價值高達HK$4,599

【推薦人獎上獎活動】成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 HKTVmall現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！即睇詳情

Features Terms & Conditions Fees Eligibility Usage

MoneyHero獨家優惠 - Apple或Dyson禮品高達HK$4,599
2023年3月31日下午6時至6月30日期間（推廣期），客戶經MoneyHero成功申請及提取信銀國際 $mart Plus 分期貸款，並於成功申請的一個月內提取貸款，可享以下MoneyHero獨家優惠﹕

貸款額 選項1 選項2

HK$800,000或以上
AirPods Max (價值HK$4,599)
HK$4,000 惠康禮券

HK$400,000 - HK$799,999 Dyson Supersonic™ 風筒 HD08 (價值HK$3,680) HK$3,000 惠康禮券

HK$100,000 - HK$399,999 De'Longhi Active Line 系列半自動咖啡機 ECP35.31 (價值HK$1,848) HK$1,000 惠康禮券

所有獨家獎賞均以顏色隨機形式發出

如欲了解優惠詳情，請參閱條款及細則

產品特色

實際年利率1.9%

貸款金額高達月薪18倍或HK$2,000,000（以較低者為準）

靈活還款期由最短6個月至最長60個月

最快即日放款至您的信銀國際戶口

為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾

注意事項

實際年利率1.90%以貸款金額HK$2,000,000、還款期12個月及每月平息0.001%計算，並已包括每年1%手續費。實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。

實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。

在此列出的每月平息及實際年利率只供參考，最終批核結果將根據客戶的財政狀況而定。信銀國際有保留批核貸款申請之權利。

即日放款服務只適用於銀行服務時間內（星期一至五上午9時至晚上8時，星期六、日及公眾假期除外）放款至信銀國際戶口。有關處理時間由銀行確定已批核之貸款開始計算。

詳情請瀏覽信銀國際網頁。

受條款及細則約束。借定唔借？還得到先好借！

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最低年齡要求: 18歲

最低年薪要求: HK$84,000

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No

Debug data (JSON)
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height: 50px; width: 36.2216%;">貸款額</td> <td style="text-align: center; height: 50px; width: 37.9261%;">選項1</td> <td style="text-align: center; width: 25.8523%;">選項2</td> </tr> <tr> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;">HK$800,000或以上</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;"> AirPods Max (價值HK$4,599) </td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;">HK$4,000 惠康禮券</td> </tr> <tr> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;">HK$400,000 - HK$799,999</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;">Dyson Supersonic™ 風筒 HD08 (價值HK$3,680)</td> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;">HK$3,000 惠康禮券</td> </tr> <tr> <td style="text-align: center; height: 50px; border-top: 1px solid #ededed; 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HK$799,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\">Dyson Supersonic™ 風筒 HD08 (價值HK$3,680)</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\">HK$3,000 惠康禮券</td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$100,000 - HK$399,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\">De'Longhi Active Line 系列半自動咖啡機 ECP35.31 (價值HK$1,848)</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\">HK$1,000 惠康禮券</td> </tr> </tbody> </table> <ul> <li>所有獨家獎賞均以顏色隨機形式發出</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/16563121437849\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","產品特色 <ul> <li>實際年利率1.9%</li> <li>貸款金額高達月薪18倍或HK$2,000,000（以較低者為準）</li> <li>靈活還款期由最短6個月至最長60個月</li> <li>最快即日放款至您的信銀國際戶口</li> </ul>","為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！ MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citic/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["注意事項 <ul> <li>實際年利率1.90%以貸款金額HK$2,000,000、還款期12個月及每月平息0.001%計算，並已包括每年1%手續費。實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。</li> <li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。</li> <li>在此列出的每月平息及實際年利率只供參考，最終批核結果將根據客戶的財政狀況而定。信銀國際有保留批核貸款申請之權利。</li> <li>即日放款服務只適用於銀行服務時間內（星期一至五上午9時至晚上8時，星期六、日及公眾假期除外）放款至信銀國際戶口。有關處理時間由銀行確定已批核之貸款開始計算。</li> <li>詳情請瀏覽信銀國際網頁。</li> <li>受條款及細則約束。借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"84000","description":{"shortDescription":"HK$84,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 有效香港身份證／護照／或其他身份證明文件 2. 最近 1 個月顯示入息證明之銀行月結單或存摺影印本（存摺影印本需附上印有閣下姓名及賬戶號碼之首頁）或任何形式的入息證明。 若月薪收入為佣金制人士，請提供最近 2 個月之入息證明 3. 如為自僱人士，請附上公司之商業登記及最近期之利得稅稅單及最近 3 個月之公司戶口月結單 4. 附有閣下姓名之最近 3 個月內發出的現居址證明（例如：電費單或銀行月結單） 5. 專業資格證明（只適用於專業資人士） 6. 如選擇以公司地址為通訊地址，請附上公司地址證明 7. 如閣下為非香港永久性居民身份證持有人，請附護照／往來港澳通行證／原居地身份證副本（如適用）及香港特別行政區發出的工作證 8. 放款戶口之存摺首頁/月結單副本 9. 自動轉賬授權書 10. 欲轉至信銀國際 $mart Plus 分期貸款之信用卡或貸款之貸款確認信或最近 1 個月之信用卡結單（須印有閣下姓名及貸款號碼）"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":3,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":2000000.0,"apr":1.9,"eir":null,"interestRate":0.001,"fees":[],"transferRate":null}],"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"feeInterval":"ANNUALLY","value":1,"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","paymentMethod":"DEDUCT_FROM_WITHDRAWAL","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195361, hs_is_edited=false, productname=信銀國際 $mart Plus 私人貸款}})

Exclusive Offer

渣打銀行私人貸款

最低實際年利率

1.85
%

總還款額低至

$
438,880

獎勵

高達HK$16,800獎賞，包括MoneyHero獨家 Apple Watch Series 8 GPS 41mm 或 iPad mini (256GB) 或 高達HK$8,800 Apple Store 禮品卡或惠康購物現金券！6月30日截止！
迎新優惠高達HK$8,000現金回贈
設有7天冷靜期
豁免提早償還貸款手續費

See more

See less

Features Terms & Conditions Fees Eligibility Usage

【MoneyHero獨家優惠】iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 8 GPS 41mm (價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券

客戶由2023年6月1日至2023年6月30日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月内提取貸款，可獲以下獨家優惠﹕

貸款金額 MoneyHero加碼獨家優惠：

HK$800,000 或以上

HK$8,800 Apple Store 禮品卡 / 惠康購物現金券

HK$400,000 - HK$799,999

iPad mini (256GB) (價值HK$5,199); 或

HK$4,800 Apple Store 禮品卡 / 惠康購物現金券

HK$200,000 - HK$399,999

Apple Watch Series 8 GPS 41mm (價值HK$3,199); 或

HK$2,800 Apple Store 禮品卡 / 惠康購物現金券

所有獨家優惠均以顏色隨機形式發放

如何領取MoneyHero獨家優惠

請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKR1102-xxxxx)。

請於成功申請批核後的7日內，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至support@moneyhero.com.hk，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進

詳細流程：如何領取「MoneyHero獨家優惠」的現金券？

申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠

MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。

如欲了解優惠詳情，請參閱條款及細則

【渣打限時優惠】私人分期貸款抽獎活動

推廣期為2023年6月1日至2023年7月31日

當客戶

成功於推廣期內網上成功申請渣打銀行(香港)有限公司私人分期貸款或分期貸款結餘轉戶計劃及

於2023年9月30日或之前提取HK$350,000或以上貸款及

於2023年9月30日或之前以有效的國泰會員賬戶資料及貸款申請編號成功登記抽獎，將會依照以下條款及細則參加抽獎

貸款額要求 里數 抽獎得獎者數目 - 全新合資格客戶 抽獎得獎者數目 - 其他合資格客戶

獎品
HK$350,000或以上

20,000

20

10

大獎 HK$350,000或以上 120,000 5 /

渣打銀行將會以電腦系統於全新合資格客戶(指於申請貸款時並未持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取20位得獎者及5位大獎得獎者;及其他合資格客戶(指於申請貸款時持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取10位得獎者。毎位得獎者將可享20,000「亞洲萬里通」里數(「獎品」)。毎位大獎得獎者(「大獎得獎者」) 將可享120,000「亞洲萬里通」里數 (「大獎」)

如欲了解優惠詳情，請參閱條款及細則

【渣打迎新優惠】高達HK$8,000現金回贈
客戶由2023年6月1日至2023年7月31日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款

高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情：

貸款金額 基本現金回贈 (還款期達12個月) 基本現金回贈 (還款期達24個月或以上) 額外現金回贈
(全新客戶及還款期達36個月或以上)

HK$1,500,000 或以上 HK$3,500 HK$7,000 HK$1,000

HK$600,000 至 HK$1,499,999 HK$1,500 HK$3,000 HK$1,000

HK$200,000 至 HK$599,999 HK$1,000 HK$2,000 HK$1,000

HK$50,000 至 HK$199,999 HK$500 HK$500 HK$1,000

產品特色

貸款額高達月薪18倍或HK$4,000,000（以較低者為準）

還款期長達60個月；0%手續費

網上申請特快服務承諾：中午前遞交網上申請，當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果

設有7天冷靜期

豁免提早償還貸款手續費

為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾

注意事項

實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費

渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費

申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民

上述每月平息已約至小數後2個位及只供參考之用

借定唔借?還得到先好借!

Unsupported fee format

最低年齡要求: 20歲

最低年薪要求: HK$96,000

No

No

Debug data (JSON)
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Debug data (Print) (SizeLimitingPyMap: {__typename=PersonalLoan, id=blte54e93a44ab1cca6_14_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png, description=null, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=高達HK$16,800獎賞，包括MoneyHero獨家 Apple Watch Series 8 GPS 41mm 或 iPad mini (256GB) 或 高達HK$8,800 Apple Store 禮品卡或惠康購物現金券！6月30日截止！<ul><li>迎新優惠高達HK$8,000現金回贈</li><li>設有7天冷靜期</li><li>豁免提早償還貸款手續費</li></ul>, bannerImage=null, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=438880000, displayValue=438,880, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=12191111, displayValue=12,191, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1850, displayValue=1.85, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=standard-chartered-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=standard-chartered, providerName=渣打銀行}, description={shortDescription=[【貸款智慧】實際年利率低至1.85%（貸款額HK$150萬或以上、還款期12個月）；0%手續費, 【網上申請特快服務承諾】辦公日中午前遞交網上申請，銀行將專人於當天跟進。專人跟進後可即日提供審批結果。]}, productName=渣打銀行私人貸款, title=HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN, features={title=Features, pros=[【MoneyHero獨家優惠】iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 8 GPS 41mm (價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券 <ul> <li>客戶由2023年6月1日至2023年6月30日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月内提取貸款，可獲以下獨家優惠﹕</li> </ul> <table style="width: 100%; height: 180px;"> <tbody> <tr style="height: 36px;"> <td style="height: 36px; width: 10.3693%; text-align: left;">貸款金額</td> <td style="width: 39.6307%; height: 36px; text-align: left;">MoneyHero加碼獨家優惠： </td> </tr> <tr style="height: 36px;"> <td style="border-top: 1px solid #a9a9a9; width: 10.3693%; height: 36px; text-align: left;">HK$800,000 或以上</td> <td style="border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;"> <ul> <li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr style="height: 36px;"> <td style="border-top: 1px solid #a9a9a9; width: 10.3693%; height: 36px; text-align: left;">HK$400,000 - HK$799,999</td> <td style="border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;"> <ul> <li>iPad mini (256GB) (價值HK$5,199); 或</li> <li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr style="height: 36px;"> <td style="height: 36px; border-top: 1px solid #a9a9a9; width: 10.3693%; text-align: left;">HK$200,000 - HK$399,999</td> <td style="border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;"> <ul> <li>Apple Watch Series 8 GPS 41mm (價值HK$3,199); 或</li> <li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> </ul> 如何領取MoneyHero獨家優惠 <ul> <li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKR1102-xxxxx)。</li> <li>請於成功申請批核後的7日內，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至<a href="mailto:support@moneyhero.com.hk">support@moneyhero.com.hk</a>，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進</li> <li>詳細流程：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-" target="”_blank”">如何領取「MoneyHero獨家優惠」的現金券？</a></li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。</li> <li>如欲了解優惠詳情，請參閱<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/15628606963609" target="_blank" rel="noopener">條款及細則</a></li> </ul>, 【渣打限時優惠】私人分期貸款抽獎活動 <ul> <li>推廣期為2023年6月1日至2023年7月31日</li> <li>當客戶 <ul> <li>成功於推廣期內網上成功申請渣打銀行(香港)有限公司私人分期貸款或分期貸款結餘轉戶計劃及</li> <li>於2023年9月30日或之前提取HK$350,000或以上貸款及</li> <li>於2023年9月30日或之前以有效的國泰會員賬戶資料及貸款申請編號成功登記抽獎，將會依照以下條款及細則參加抽獎</li> </ul> </li> </ul> <table style="width: 100%; height: 150px;"> <tbody> <tr style="height: 30px;"> <td style="height: 30px; width: 5.5703%; text-align: left;"> </td> <td style="width: 9.44781%; height: 30px; text-align: left;">貸款額要求</td> <td style="width: 6.35667%; text-align: left;">里數</td> <td style="width: 13.0998%; text-align: left;"> 抽獎得獎者數目 - 全新合資格客戶</td> <td style="width: 13.5366%; text-align: left;"> 抽獎得獎者數目 - 其他合資格客戶</td> </tr> <tr style="height: 30px;"> <td style="height: 30px; border-top: 1px solid #a9a9a9; width: 5.5703%; text-align: left;">獎品</td> <td style="border-top: 1px solid #a9a9a9; width: 9.44781%; height: 30px; text-align: left;"> HK$350,000或以上 </td> <td style="border-top: 1px solid #a9a9a9; width: 6.35667%; text-align: left;"> 20,000 </td> <td style="border-top: 1px solid #a9a9a9; width: 13.0998%; text-align: left;"> 20 </td> <td style="border-top: 1px solid #a9a9a9; width: 13.5366%; text-align: left;"> 10 </td> </tr> <tr style="height: 30px;"> <td style="height: 30px; border-top: 1px solid #a9a9a9; width: 5.5703%; text-align: left;">大獎</td> <td style="border-top: 1px solid #a9a9a9; width: 9.44781%; height: 30px; text-align: left;">HK$350,000或以上</td> <td style="border-top: 1px solid #a9a9a9; width: 6.35667%; text-align: left;">120,000</td> <td style="border-top: 1px solid #a9a9a9; width: 13.0998%; text-align: left;">5</td> <td style="border-top: 1px solid #a9a9a9; width: 13.5366%; text-align: left;">/</td> </tr> </tbody> </table> <ul> <li>渣打銀行將會以電腦系統於全新合資格客戶(指於申請貸款時並未持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取20位得獎者及5位大獎得獎者;及其他合資格客戶(指於申請貸款時持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取10位得獎者。毎位得獎者將可享20,000「亞洲萬里通」里數(「獎品」)。毎位大獎得獎者(「大獎得獎者」) 將可享120,000「亞洲萬里通」里數 (「大獎」)</li> <li>如欲了解優惠詳情，請參閱<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltccef7ede7ffc230c/6477081025223ddd2e2a5acf/hk-loans-personal-instalment-loan_lucky_draw_tnc.pdf" target="_blank" rel="noopener">條款及細則</a></li> </ul>, 【渣打迎新優惠】高達HK$8,000現金回贈 客戶由2023年6月1日至2023年7月31日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款 <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情： <table style="width: 100%;"> <tbody> <tr> <td style="height: 50px; width: 37.1988%; text-align: left;">貸款金額</td> <td style="width: 20.3313%; text-align: left;">基本現金回贈 (還款期達12個月)</td> <td style="height: 50px; width: 17.4699%; text-align: left;">基本現金回贈 (還款期達24個月或以上)</td> <td style="width: 25%; text-align: left;">額外現金回贈 (全新客戶及還款期達36個月或以上)</td> </tr> <tr> <td style="border-top: 1px solid #a9a9a9; width: 37.1988%; height: 50px; text-align: left;">HK$1,500,000 或以上</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$3,500</td> <td style="border-top: 1px solid #a9a9a9; width: 17.4699%; height: 50px; text-align: left;">HK$7,000</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;">HK$600,000 至 HK$1,499,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$1,500</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;">HK$3,000 </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;">HK$200,000 至 HK$599,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$1,000</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;">HK$2,000</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;">HK$50,000 至 HK$199,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$500</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;">HK$500</td> <td style="text-align: left; width: 25%;">HK$1,000</td> </tr> </tbody> </table> </li> </ul>, 產品特色 <ul> <li>貸款額高達月薪18倍或HK$4,000,000（以較低者為準）</li> <li>還款期長達60個月；0%手續費</li> <li>網上申請特快服務承諾：中午前遞交網上申請，當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果</li> <li>設有7天冷靜期</li> <li>豁免提早償還貸款手續費</li> </ul>, 為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！ MoneyHero貸款專家：<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法" ga-category="personal-loan" ga-action="product panel - clicked" ga-label="/rp/7th/scb/pl" target="_blank">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>], cons=[注意事項 <ul> <li>實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費</li> <li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> <li>申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> <li>上述每月平息已約至小數後2個位及只供參考之用</li> <li>借定唔借?還得到先好借!</li> </ul>]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=20, description={shortDescription=20歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=, tooltip=}}], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上申請 2. 上載文件 3. 即時批核 4. 確認及發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港永久性居民身份證 2. 最近期住宅地址證明 3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄； 非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄； 自僱人士請提供商業登記證及最近之營業稅單 }], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})
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mini (256GB) (價值HK$5,199) / Apple Watch Series 8 GPS 41mm (價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券 <ul> <li>客戶由2023年6月1日至2023年6月30日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月内提取貸款，可獲以下獨家優惠﹕</li> </ul> <table style=\"width: 100%; height: 180px;\"> <tbody> <tr style=\"height: 36px;\"> <td style=\"height: 36px; width: 10.3693%; text-align: left;\">貸款金額</td> <td style=\"width: 39.6307%; height: 36px; text-align: left;\">MoneyHero加碼獨家優惠： </td> </tr> <tr style=\"height: 36px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 10.3693%; height: 36px; text-align: left;\">HK$800,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;\"> <ul> <li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr style=\"height: 36px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 10.3693%; height: 36px; text-align: left;\">HK$400,000 - HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;\"> <ul> <li>iPad mini (256GB) (價值HK$5,199); 或</li> <li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr style=\"height: 36px;\"> <td style=\"height: 36px; border-top: 1px solid #a9a9a9; width: 10.3693%; text-align: left;\">HK$200,000 - HK$399,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;\"> <ul> <li>Apple Watch Series 8 GPS 41mm (價值HK$3,199); 或</li> <li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> </ul> 如何領取MoneyHero獨家優惠 <ul> <li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKR1102-xxxxx)。</li> <li>請於成功申請批核後的7日內，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進</li> <li>詳細流程：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券？</a></li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/15628606963609\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","【渣打限時優惠】私人分期貸款抽獎活動 <ul> <li>推廣期為2023年6月1日至2023年7月31日</li> <li>當客戶 <ul> <li>成功於推廣期內網上成功申請渣打銀行(香港)有限公司私人分期貸款或分期貸款結餘轉戶計劃及</li> <li>於2023年9月30日或之前提取HK$350,000或以上貸款及</li> <li>於2023年9月30日或之前以有效的國泰會員賬戶資料及貸款申請編號成功登記抽獎，將會依照以下條款及細則參加抽獎</li> </ul> </li> </ul> <table style=\"width: 100%; height: 150px;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"height: 30px; width: 5.5703%; text-align: left;\"> </td> <td style=\"width: 9.44781%; height: 30px; text-align: left;\">貸款額要求</td> <td style=\"width: 6.35667%; text-align: left;\">里數</td> <td style=\"width: 13.0998%; text-align: left;\"> 抽獎得獎者數目 - 全新合資格客戶</td> <td style=\"width: 13.5366%; text-align: left;\"> 抽獎得獎者數目 - 其他合資格客戶</td> </tr> <tr style=\"height: 30px;\"> <td style=\"height: 30px; border-top: 1px solid #a9a9a9; width: 5.5703%; text-align: left;\">獎品</td> <td style=\"border-top: 1px solid #a9a9a9; width: 9.44781%; height: 30px; text-align: left;\"> HK$350,000或以上 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 6.35667%; text-align: left;\"> 20,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.0998%; text-align: left;\"> 20 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.5366%; text-align: left;\"> 10 </td> </tr> <tr style=\"height: 30px;\"> <td style=\"height: 30px; border-top: 1px solid #a9a9a9; width: 5.5703%; text-align: left;\">大獎</td> <td style=\"border-top: 1px solid #a9a9a9; width: 9.44781%; height: 30px; text-align: left;\">HK$350,000或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 6.35667%; text-align: left;\">120,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.0998%; text-align: left;\">5</td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.5366%; text-align: left;\">/</td> </tr> </tbody> </table> <ul> <li>渣打銀行將會以電腦系統於全新合資格客戶(指於申請貸款時並未持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取20位得獎者及5位大獎得獎者;及其他合資格客戶(指於申請貸款時持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取10位得獎者。毎位得獎者將可享20,000「亞洲萬里通」里數(「獎品」)。毎位大獎得獎者(「大獎得獎者」) 將可享120,000「亞洲萬里通」里數 (「大獎」)</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltccef7ede7ffc230c/6477081025223ddd2e2a5acf/hk-loans-personal-instalment-loan_lucky_draw_tnc.pdf\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","【渣打迎新優惠】高達HK$8,000現金回贈 客戶由2023年6月1日至2023年7月31日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款 <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情： <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 37.1988%; text-align: left;\">貸款金額</td> <td style=\"width: 20.3313%; text-align: left;\">基本現金回贈 (還款期達12個月)</td> <td style=\"height: 50px; width: 17.4699%; text-align: left;\">基本現金回贈 (還款期達24個月或以上)</td> <td style=\"width: 25%; text-align: left;\">額外現金回贈 (全新客戶及還款期達36個月或以上)</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 37.1988%; height: 50px; text-align: left;\">HK$1,500,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$3,500</td> <td style=\"border-top: 1px solid #a9a9a9; width: 17.4699%; height: 50px; text-align: left;\">HK$7,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$600,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$3,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$200,000 至 HK$599,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,000</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$2,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$50,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$500</td> <td style=\"text-align: left; width: 25%;\">HK$1,000</td> </tr> </tbody> </table> </li> </ul>","產品特色 <ul> <li>貸款額高達月薪18倍或HK$4,000,000（以較低者為準）</li> <li>還款期長達60個月；0%手續費</li> <li>網上申請特快服務承諾：中午前遞交網上申請，當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果</li> <li>設有7天冷靜期</li> <li>豁免提早償還貸款手續費</li> </ul>","為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！ MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/scb/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["注意事項 <ul> <li>實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費</li> <li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> <li>申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> 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heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}, usage={show=true, expanded=false, order_sequence=1, heading=Usage, labels=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={desktop_font_style={comparable_description={color=#687076, fallback=sans-serif, font=Open Sans, font_set=GOOGLE, size=12, styles={}, variant=regular}, general={color=#424242, fallback=sans-serif, font=Open Sans, font_set=GOOGLE, size=12, styles={}, variant=300}}, mobile_font_style={comparable_description={color=#687076, fallback=sans-serif, font=Open 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promotional={display_within_collapsible=false, show_banner=false}, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}}) null (SizeLimitingPyMap: {id=62168994035, table_id=4701663, table_name=product_moneyhero, columns={hs_id=62168994035, hs_child_table_id=0, hs_updated_at=1686284679373, hs_published_at=1686284679825, productid=blte54e93a44ab1cca6_14_zh-hk, data={"__typename":"PersonalLoan","id":"blte54e93a44ab1cca6_14_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png","description":null,"dimension":null},"featured":false,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"高達HK$16,800獎賞，包括MoneyHero獨家 Apple Watch Series 8 GPS 41mm 或 iPad mini (256GB) 或 高達HK$8,800 Apple Store 禮品卡或惠康購物現金券！6月30日截止！<ul><li>迎新優惠高達HK$8,000現金回贈</li><li>設有7天冷靜期</li><li>豁免提早償還貸款手續費</li></ul>","bannerImage":null,"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":438880000,"displayValue":"438,880","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":12191111,"displayValue":"12,191","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1850,"displayValue":"1.85","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-personal-instalment-loan"},"rateTableEntries":[{"loanTenureMin":0,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":4000000.0,"apr":1.85,"eir":null,"interestRate":0.27,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"standard-chartered","providerName":"渣打銀行"},"description":{"shortDescription":["【貸款智慧】實際年利率低至1.85%（貸款額HK$150萬或以上、還款期12個月）；0%手續費","【網上申請特快服務承諾】辦公日中午前遞交網上申請，銀行將專人於當天跟進。專人跟進後可即日提供審批結果。"]},"productName":"渣打銀行私人貸款","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["【MoneyHero獨家優惠】iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 8 GPS 41mm (價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券 <ul> <li>客戶由2023年6月1日至2023年6月30日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月内提取貸款，可獲以下獨家優惠﹕</li> </ul> <table style=\"width: 100%; height: 180px;\"> <tbody> <tr style=\"height: 36px;\"> <td style=\"height: 36px; width: 10.3693%; text-align: left;\">貸款金額</td> <td style=\"width: 39.6307%; height: 36px; text-align: left;\">MoneyHero加碼獨家優惠： </td> </tr> <tr style=\"height: 36px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 10.3693%; height: 36px; text-align: left;\">HK$800,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;\"> <ul> <li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr style=\"height: 36px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 10.3693%; height: 36px; text-align: left;\">HK$400,000 - HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;\"> <ul> <li>iPad mini (256GB) (價值HK$5,199); 或</li> <li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr style=\"height: 36px;\"> <td style=\"height: 36px; border-top: 1px solid #a9a9a9; width: 10.3693%; text-align: left;\">HK$200,000 - HK$399,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 39.6307%; height: 36px; text-align: left;\"> <ul> <li>Apple Watch Series 8 GPS 41mm (價值HK$3,199); 或</li> <li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> </ul> 如何領取MoneyHero獨家優惠 <ul> <li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKR1102-xxxxx)。</li> <li>請於成功申請批核後的7日內，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進</li> <li>詳細流程：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券？</a></li> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/15628606963609\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","【渣打限時優惠】私人分期貸款抽獎活動 <ul> <li>推廣期為2023年6月1日至2023年7月31日</li> <li>當客戶 <ul> <li>成功於推廣期內網上成功申請渣打銀行(香港)有限公司私人分期貸款或分期貸款結餘轉戶計劃及</li> <li>於2023年9月30日或之前提取HK$350,000或以上貸款及</li> <li>於2023年9月30日或之前以有效的國泰會員賬戶資料及貸款申請編號成功登記抽獎，將會依照以下條款及細則參加抽獎</li> </ul> </li> </ul> <table style=\"width: 100%; height: 150px;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"height: 30px; width: 5.5703%; text-align: left;\"> </td> <td style=\"width: 9.44781%; height: 30px; text-align: left;\">貸款額要求</td> <td style=\"width: 6.35667%; text-align: left;\">里數</td> <td style=\"width: 13.0998%; text-align: left;\"> 抽獎得獎者數目 - 全新合資格客戶</td> <td style=\"width: 13.5366%; text-align: left;\"> 抽獎得獎者數目 - 其他合資格客戶</td> </tr> <tr style=\"height: 30px;\"> <td style=\"height: 30px; border-top: 1px solid #a9a9a9; width: 5.5703%; text-align: left;\">獎品</td> <td style=\"border-top: 1px solid #a9a9a9; width: 9.44781%; height: 30px; text-align: left;\"> HK$350,000或以上 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 6.35667%; text-align: left;\"> 20,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.0998%; text-align: left;\"> 20 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.5366%; text-align: left;\"> 10 </td> </tr> <tr style=\"height: 30px;\"> <td style=\"height: 30px; border-top: 1px solid #a9a9a9; width: 5.5703%; text-align: left;\">大獎</td> <td style=\"border-top: 1px solid #a9a9a9; width: 9.44781%; height: 30px; text-align: left;\">HK$350,000或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 6.35667%; text-align: left;\">120,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.0998%; text-align: left;\">5</td> <td style=\"border-top: 1px solid #a9a9a9; width: 13.5366%; text-align: left;\">/</td> </tr> </tbody> </table> <ul> <li>渣打銀行將會以電腦系統於全新合資格客戶(指於申請貸款時並未持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取20位得獎者及5位大獎得獎者;及其他合資格客戶(指於申請貸款時持有任何渣打銀行貸款及/或信用卡之客戶)分別隨機抽取10位得獎者。毎位得獎者將可享20,000「亞洲萬里通」里數(「獎品」)。毎位大獎得獎者(「大獎得獎者」) 將可享120,000「亞洲萬里通」里數 (「大獎」)</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltccef7ede7ffc230c/6477081025223ddd2e2a5acf/hk-loans-personal-instalment-loan_lucky_draw_tnc.pdf\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","【渣打迎新優惠】高達HK$8,000現金回贈 客戶由2023年6月1日至2023年7月31日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款 <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情： <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 37.1988%; text-align: left;\">貸款金額</td> <td style=\"width: 20.3313%; text-align: left;\">基本現金回贈 (還款期達12個月)</td> <td style=\"height: 50px; width: 17.4699%; text-align: left;\">基本現金回贈 (還款期達24個月或以上)</td> <td style=\"width: 25%; text-align: left;\">額外現金回贈 (全新客戶及還款期達36個月或以上)</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 37.1988%; height: 50px; text-align: left;\">HK$1,500,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$3,500</td> <td style=\"border-top: 1px solid #a9a9a9; width: 17.4699%; height: 50px; text-align: left;\">HK$7,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$600,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$3,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$200,000 至 HK$599,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,000</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$2,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$50,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$500</td> <td style=\"text-align: left; width: 25%;\">HK$1,000</td> </tr> </tbody> </table> </li> </ul>","產品特色 <ul> <li>貸款額高達月薪18倍或HK$4,000,000（以較低者為準）</li> <li>還款期長達60個月；0%手續費</li> <li>網上申請特快服務承諾：中午前遞交網上申請，當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果</li> <li>設有7天冷靜期</li> <li>豁免提早償還貸款手續費</li> </ul>","為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！</spa

重要日期	獎賞條件
2023年6月9日中午12時至2023年6月30日下午6時期間	Citi信用卡新客戶經MoneyHero成功申請指定Citi信用卡首100位合資格申請者：HK$2,300 Apple Store 禮品卡其餘合資格申請者：Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499；顏色隨機) / FOREO LUNA™ 3 plus 微電流緊膚熱能潔面儀 (價值 K$2,890；隨機款式) / Delsey TITANIUM 81.5CM/ 32吋雙輪式四輪行李箱 (價值HK$2,780；顏色隨機) / Philips飛利浦RO純淨飲水機ADD6901HWH01/90 (價值HK$2,488; 白色) / HK$1,800 Apple Store 禮品卡或惠康超市禮券
收到獎賞換領表格後7日內	填妥及遞交較早前經電郵發出之「獎賞換領表格」
2023年7月31日或之前	必須成功獲批並啟動申請之信用卡
成功批卡後30日內	憑卡簽賬滿HK$1,000

重要日期	獎賞條件
即日起至2023年6月12日中午12時	全新/現有其他恒生信用卡客戶經MoneyHero成功申請恒生enJoy卡
收到獎賞換領表格後7日內	填妥及遞交較早前經電郵發出之「獎賞換領表格」
2023年7月31日或之前	成功獲批信用卡（批核以銀行系統紀錄為準）
成功批卡後30日內	憑卡簽賬滿HK$1,000

獎賞要求（需於新卡發出日期後60日內完成）		迎新獎賞
綁定enJoy卡至yuu及累積合資格零售簽賬滿HK$6,000	全新信用卡客戶 120,000 yuu積分（相等於價值HK$600獎賞）	或	現有信用卡客戶 80,000 yuu積分（相等於價值HK$400獎賞）

特約商戶	簽賬可獲回贈
Pizza Hut、PHD、KFC、yuu to me 、美心中菜、指定m.a.x. concepts國際食府及分店、東海堂、Café Landmark、LUMI French-Japanese Cuisine、MUSES、Pop n' Grill、Wildfire Pizzabar、丼丼屋、魚尚及更多	2%回贈（4倍積分奬賞：HK$1=4 yuu 積分獎賞）
7-Eleven、萬寧、IKEA、惠康、Market Place及旗下特色店舖、yuu to me	1.5%回贈（3倍積分奬賞：HK$1=3 yuu 積分獎賞）
蜆殼(Shell)、GNC及指定美心食府	1%回贈（2倍積分奬賞：HK$1=2 yuu 積分獎賞）
其他商戶(包括本地及海外簽賬)	0.5%回贈（HK$1=1 yuu 積分獎賞）

重要日期	獎賞條件
2023年5月31日中午12時至2023年6月19日中午12時	全新渣打信用卡客戶經MoneyHero成功申請渣打Smart信用卡
收到獎賞換領表格後7日內	填妥及遞交較早前經電郵發出之「獎賞換領表格」
2023年7月31日或之前	成功獲批信用卡（批核以銀行系統紀錄為準）
指定信用卡成功獲批後7日內	連同(1)申請之產品名稱、(2)申請日期及(3)成功批核短訊/電郵截圖電郵至support@moneyhero.com.hk ，以供確認申請人獎賞資格

獎賞要求	迎新獎賞
全新信用卡客戶於發卡後首1個月憑卡累積合資格簽賬滿HK$4,000	HK$1,200現金回贈

貸款額	Apple Store 禮品卡 / 超市現金券
HK$800,000 或以上	HK$11,500 Apple Store 禮品卡 / 超市現金券
HK$500,000 至 HK$799,999	HK$8,600 Apple Store 禮品卡 / 超市現金券
HK$300,000 至 HK$499,999	HK$7,600 Apple Store 禮品卡 / 超市現金券
HK$200,000 至 HK$299,999	HK$5,600 Apple Store 禮品卡 / 超市現金券
HK$100,000 至 HK$199,999	HK$3,600 Apple Store 禮品卡 / 超市現金券

貸款額	還款期長達24個月或以下		還款期長達24個月以上
貸款額	花旗私人客戶/Citigold客戶/ Citi ULTIMA卡之持有人	其他客戶	花旗私人客戶/Citigold客戶/ Citi ULTIMA卡之持有人	其他客戶
HK$1,500,000 或以上	HK$500	HK$400	HK$8,000	HK$4,000
HK$800,000 至 HK$1,499,999	HK$500	HK$400	HK$4,000	HK$2,500
HK$400,000 至 HK$799,999	HK$500	HK$400	HK$2,000	HK$1,500
HK$100,000 至 HK$399,999	HK$500	HK$400	HK$700	HK$600

貸款額	選項1	選項2
HK$800,000或以上	AirPods Max (價值HK$4,599)	HK$4,000 惠康禮券
HK$400,000 - HK$799,999	Dyson Supersonic™ 風筒 HD08 (價值HK$3,680)	HK$3,000 惠康禮券
HK$100,000 - HK$399,999	De'Longhi Active Line 系列半自動咖啡機 ECP35.31 (價值HK$1,848)	HK$1,000 惠康禮券

貸款金額	MoneyHero加碼獨家優惠：
HK$800,000 或以上	HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
HK$400,000 - HK$799,999	iPad mini (256GB) (價值HK$5,199); 或 HK$4,800 Apple Store 禮品卡 / 惠康購物現金券
HK$200,000 - HK$399,999	Apple Watch Series 8 GPS 41mm (價值HK$3,199); 或 HK$2,800 Apple Store 禮品卡 / 惠康購物現金券

	貸款額要求	里數	抽獎得獎者數目 - 全新合資格客戶	抽獎得獎者數目 - 其他合資格客戶
獎品	HK$350,000或以上	20,000	20	10
大獎	HK$350,000或以上	120,000	5	/

貸款金額	基本現金回贈 (還款期達12個月)	基本現金回贈 (還款期達24個月或以上)	額外現金回贈 (全新客戶及還款期達36個月或以上)
HK$1,500,000 或以上	HK$3,500	HK$7,000	HK$1,000
HK$600,000 至 HK$1,499,999	HK$1,500	HK$3,000	HK$1,000
HK$200,000 至 HK$599,999	HK$1,000	HK$2,000	HK$1,000
HK$50,000 至 HK$199,999	HK$500	HK$500	HK$1,000

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