• Preferential interest rates on time deposits
• Privileged fees for investment services:

• Annual fee waiver for debit card and credit card perpetually
• Special discounts for banking services: Exclusive discount for general banking services over the counter. For details, please contact our customer service officers.
• Privileges and discounts for Renminbi and mainland-related services

4.The privileges are subject to the Terms and Conditions

Deposits in Current Account and Savings Account and Time Deposits NOT exceeding a term of five years of Elite Club Account / e-Age Banking Account / Integrated Account are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.

Dedicated Credit Card - ICBC “Elite Club” Mastercard

ICBC “Elite Club” Mastercard is tailor-made for “Elite Club” customers. You can enjoy abundant privileges by applying ICBC “Elite Club” Mastercard Platinum Card. Invited customers can apply ICBC “Elite Club” Mastercard World Card to enjoy an array of World Card offers⁵.

• MasterCard Priceless^TMPrivileges⁶
  

  Enjoy the selected priceless privileges of dining, shopping, entertainment, travelling, sports, culture and art from Mastercard locally and around the world, which bring excitement to you.

• Mastercard Contactless Payment Function
  

  Use the card to spend at any terminal with Mastercard Contactless payment function, and you can pay with one tap, making the payment convenient and quick.

5.Principal card applicant of ICBC “Elite Club” Mastercard World Card and ICBC "Elite Club" Mastercard Platinum Card must be Hong Kong resident over 18 years of age and must hold an integrated account of ICBC (Asia) “Elite Club”. ICBC “Elite Club” Mastercard World Card and ICBC "Elite Club" Mastercard Platinum Card are offered to ICBC (Asia) “Elite Club” customers only. In case of cancellation of the ICBC (Asia) “Elite Club” account, ICBC “Elite Club” Mastercard World Card and / or ICBC "Elite Club" Mastercard Platinum Card will become invalid, and those exclusive offers that can be enjoyed through the card(s) will also be no longer available. (Please note that the ICBC “Elite Club” Mastercard World Card is only available to invited persons to apply.)

6.The service is provided by Mastercard and is subject to the relevant terms and conditions, please refer to the website for details: https://specials.priceless.com/en-hk/homepage. ICBC (Asia) is not responsible for the quality of products and services provided by Mastercard and the participating merchant(s), and the participating merchant(s) will be legally responsible for all products and services. ICBC (Asia), Mastercard and the participating merchant(s) reserve the right to revise the offer and the terms and conditions at any time without prior notice. ICBC (Asia), Mastercard and the participating merchant(s) reserve the right to make the final decision in the event of any dispute.

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

For more ICBC “Elite Club” Mastercard privileges, please click here.

Professional Wealth Management

Helping you achieve your goal is our mission. We are dedicated to understanding your financial need. With a professional investment team and comprehensive investment products, we provide you with professional financial planning service, helping you make wiser decisions and grasping every investment opportunity.

• Professional Financial Review

Periodical review on investment portfolio and the most updated financial information will be provided. We believe this up-to-date information is essential for you to make wise investment decisions.

• Diversified Investment Solutions

There is a wide range of innovative investment products for you to choose from in order to assist you to achieve your financial goals. Products like securities, equity-linked product, currency-linked contract, bonds and funds are all available for you.

Value-added Services

• Exclusive Customer Events

To enhance the quality of your life, we organize an inspiring array of customer events for you to enjoy as an "Elite Club" customer. Events such as investment seminars and so on will be specially arranged with your distinctive interest in mind.

Join Now and Enjoy the Superior Wealth Management Privileges! ⁷

Join "Elite Club" now to experience our superior wealth management services. "Elite Club" is free-of-charge if you maintain daily average total liquid assets ⁸ of HK$800,000 or above for the last three months. If your daily average total liquid assets fall below HK$800,000, a monthly service fee will be charged based on your daily average total liquid assets for the last 3 months:

7. The privileges are subject to the Terms and Conditions below.

8. Average Total Liquid Assets refers to the total of your deposits and the market value of investments in all your single and joint name(s) accounts at our Bank. For details, please contact our staff.

9. Monthly service fee will be automatically deducted from your designated settlement account. The Bank reserves the right to terminate your "Elite Club" banking services if monthly service fee cannot be deducted from the designated settlement account.

Click here for valid documents required for account opening.

Descriptive Information for Elite Club Account

General Terms and Conditions:

1. The above privileges cannot be used in conjunction with any other promotional offers.
2. Industrial and Commercial Bank of China (Asia) Limited (“ICBC (Asia)”/ “the Bank”) reserves the right to vary the privileges and/or these Terms and Conditions, or to cancel the privileges at its absolute discretion at any time without prior notice.
3. In case of dispute, the decision of ICBC (Asia) shall be final and conclusive.
4. In case of discrepancy between the English and Chinese versions, the English version shall apply and prevail.
5. Any person or entity that is not a party to these Terms and Condition shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce any part of these Terms and Conditions.

Risk Disclosure Statements:

RMB Products: The Chinese Renminbi is currently a restricted currency. Due to the exchange controls and/or restrictions which may be imposed by the PRC government on the convertibility or utilization of RMB from time to time, there is no guarantee that disruption in the transferability, convertibility or liquidity of RMB will not occur. There is thus a likelihood that you may not be able to convert the Chinese Renminbi received into other freely convertible currencies.

Securities and Funds: Investment involves risk and the prices of securities and funds fluctuate. The prices of securities and funds may move up or down, sometimes dramatically, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling investment. Past result should not be taken as indicative of future performance. Before making investment decision, you should thoroughly study the offering documents, the financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances and financial position to ensure the investments are suitable for your particular investment need. You shall seek independent professional advice on legal, tax and other issues in connection with the investment by using of these services.

Bonds: Bonds are mainly for medium to long term investment, you should be prepared to invest your funds in bonds for the full investment tenor; you could lose part or all of your investment if you choose to sell bonds prior to maturity. You should bear the credit risk of the issuer. The price of bonds may fluctuate and the factors affecting market price of bonds include, but not limited to, fluctuations in Interest Rates, Credit Spreads, and Liquidity Premiums. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. ICBC (Asia) does not guarantee the existence of secondary market.

Currency-Linked Contract:The returns on currency-linked contract are limited to the predetermined interest amount and will depend on the market conditions prevailing on the determination date. Investment in the currency-linked contract involves the risk of exchange rate fluctuation of the linked currency, leading to the possible loss of some or all of the principal and interest amount. This product is a structured product involving derivatives. Currency Linked Contract is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

Equity Linked Contract / Equity Linked Investment:Equity Linked Contract and Equity Linked Investment are not a protected deposit and are not protected by the Deposit Protection Scheme in Hong Kong. Investment in equity linked product involves substantial risks including market risk, liquidity risk, and the risk that the issuer(s) who will be unable to satisfy its obligations under the equity linked product. Investors should read the relevant offering documents to ensure that they understand the nature of all of these risks before making a decision to invest in equity linked product.

Currency-Linked Contract and Equity Linked Contract (altogether “the Products”): The Products are structured products involving derivatives. The Products are not protected deposit and are not protected by the Deposit Protection Scheme in Hong Kong. The investment decision is yours but you should not invest in the Products unless the intermediary has explained to you that the Product(s) is / are suitable for you having regard to your financial situation, investment experience and investment objectives.

General Insurance Plans: ICBC (Asia) is acting as an insurance agent for the insurance company and is not responsible for any liability under the policies underwritten by the insurance company. The above information is for reference only. Please refer to the policy provision issued by the insurance company for details (including detailed terms, conditions and exclusion) of the insurance plan.

Important Notice: The above risk disclosure statements cannot disclose all the risks involved. Before making investment decision, you should thoroughly study the offering documents, financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances including financial position, investment experience and objective to ensure the investment is suitable for your particular investment needs and risk tolerance capacity. You should seek independent financial and professional advice before trading or investment. This promotional material does not constitute an offer for the purchase or sales of any investment products. This promotional material is issued by Industrial and Commercial Bank of China (Asia) Limited and the contents have not been reviewed by Securities and Futures Commission of Hong Kong.

Disclosure for Financial Dispute Resolution Scheme: In respect an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with customer, however, any dispute over the contractual terms of the product should be resolved between directly the third party service provider and the customer.