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WeLab Global Wallet Debit Card
MoneySmart Exclusive

WeLab Global Wallet Debit Card

0
Min. Annual Salary
0.2%
Cash back on local spending
6%
Mainland China and overseas spending transaction

Apply through MoneySmart and redeem for any of these:

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MoneySmart Exclusive
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Exchange equivalent to HK$50,000 - HK$200,000: HK$200 cash (automatically converted from 2,000 SmartPoints, directly deposited into FPS account)

Reward image

Exchange equivalent to HK$50,000 - HK$200,000: HK$200 cash (automatically converted from 2,000 SmartPoints, directly deposited into FPS account)

MoneySmart Exclusive
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Exchange equivalent to HK$200K-below HK$500K : HK$300 cash (automatically converted from 3,000 SmartPoints, directly deposited into FPS account)

Reward image

Exchange equivalent to HK$200K-below HK$500K : HK$300 cash (automatically converted from 3,000 SmartPoints, directly deposited into FPS account)

MoneySmart Exclusive
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Exchange equivalent to HK$1M-below HK$3M: HK$600 cash (automatically converted from 6,000 SmartPoints, directly deposited into FPS account)

Reward image

Exchange equivalent to HK$1M-below HK$3M: HK$600 cash (automatically converted from 6,000 SmartPoints, directly deposited into FPS account)

MoneySmart Exclusive
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Exchange equivalent to HK$1M-below HK$3M: AECOOLY OK01 CAMPERKIT Cooling Pack Module 5-Piece (Value HK$980, random color)

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Exchange equivalent to HK$1M-below HK$3M: AECOOLY OK01 CAMPERKIT Cooling Pack Module 5-Piece (Value HK$980, random color)

MoneySmart Exclusive
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Exchange equivalent to HK$3M and above: HK$800 cash (automatically converted from 8,000 SmartPoints, directly deposited into FPS account)

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Exchange equivalent to HK$3M and above: HK$800 cash (automatically converted from 8,000 SmartPoints, directly deposited into FPS account)

MoneySmart Exclusive
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Exchange equivalent to HK$3M and above: PHILIPS Soda Maker (ADD4902BK) (Black Color) (Value HK$1,288)

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Exchange equivalent to HK$3M and above: PHILIPS Soda Maker (ADD4902BK) (Black Color) (Value HK$1,288)

MoneySmart Exclusive
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Exchange equivalent to HK$500K-below HK$1M : HK$400 cash (automatically converted from 4,000 SmartPoints, directly deposited into FPS account)

Reward image

Exchange equivalent to HK$500K-below HK$1M : HK$400 cash (automatically converted from 4,000 SmartPoints, directly deposited into FPS account)

MoneySmart Exclusive

【⚡ WeLab Summer Triple Welcome Rewards | Earn up to HK$7,200 Cash Rewards in 3 Steps!】
From today until 30 June 2026, download the WeLab Bank app, use promo code "WLBSMT" to open both bank account and investment account, and enable your WeLab Global Wallet Debit Card. Complete the following 3 steps to claim up to HK$7,200 cash rewards:
1️⃣ During the Promotion Period, spend with your WeLab Global Wallet Debit Card to earn 🌟 up to 6% cash back# on eligible Mainland China and overseas spending (Cap: HK$1,000 cash back; fulfilled by WeLab Bank)
2️⃣ During the campaign period, exchange foreign currency up to the specified amount to earn 🎁 up to HK$800 cash rewards/ AECOOLY OK01 CAMPERKIT Cooling Pack Module 5-Piece (value HK$980)/ PHILIPS Soda Maker (ADD4902BK) (Black Colour) (value HK$1,288) (fulfilled by MoneySmart).
3️⃣ Complete a "Eligible Fund Transaction" by 15 July 2026 and hold until 31 August 2026. Rewards based on the aggregate amount of Fund Units of Eligible Fund Transaction(s) to earn 🎁 up to HK$5,700 cash rewards / SONY WH-1000XM6 headphones (value: HK$3,699) (fulfilled by MoneySmart)!
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‼️ The above lists only a selection of rewards. Please refer to the [Reward Details] section below for full eligibility requirements and the complete gift list.
‼️ Terms and conditions apply.

Valid till 30 Jun 2026

ARE YOU ELIGIBLE?

  • The offer is available to new customers who have not held any WeLab Bank account in the 12 months prior to the start of the account opening period, and who successfully open an account using the designated promo code "WLBSMT)" during the promotional period.

  • ‼️ New customers must open both WeLab Bank core account and investment account simultaneously to be eligible for the WeLab Global Wallet debit card rewards.

  • New customers who accumulate at least HK$10,000 in qualifying mainland China and overseas spending transactions during the spending period (12 June to 30 September 2026, both dates inclusive) will earn a 6% cash rebate on net qualifying spend, capped at HK$1,000.
    (Rewards are issued by WeLab Bank. Terms and conditions apply.)

  • During the Promotion Period, use promo code "WLBSMT" to open both bank account and investment account, and enable your WeLab Global Wallet Debit Card. Exchange foreign currency up to the specified amount to earn the following rewards (fulfilled by MoneySmart):

    Exchange Amount Gift Options
    HK$50,000 to HK$199,999.99 (or equivalent) HK$200 cash
    HK$200,000 to HK$499,999.99 (or equivalent) HK$300 cash
    HK$500,000 to HK$999,999.99 (or equivalent) HK$400 cash
    HK$1,000,000 to HK$2,999,999.99 (or equivalent) HK$600 cash / AECOOLY OK01 CAMPERKIT Cooling Pack Module 5-Piece (value HK$980)
    HK$3,000,000 (or equivalent) or above HK$800 cash / PHILIPS Soda Maker (ADD4902BK) (Black Colour) (value HK$1,288)

  • After opening an account with promo code "WLBSMT", subscribe to a "Eligible Fund Transaction" # of the specified amount by 15 July 2026 and hold until 31 August 2026 (both dates inclusive), can enjoy the following reward (fulfilled by MoneySmart):

    Eligible Fund Transaction Amount Gift Options
    HK$ 80,000 to HK$ 199,999 (or equivalent) - HK$400 Cash (converted from 4,000 SmartPoints and deposited via FPS)
    - HK$400 Apple Store Gift Card
    - HK$600 HKTVmall e-Gift Voucher OR ParknShop e-Gift Voucher
    HK$ 200,000 to HK$ 499,999 (or equivalent) - HK$1,200 Cash (converted from 12,000 SmartPoints and deposited via FPS)
    - HK$1,200 Apple Store Gift Card
    - HK$1,400 HKTVmall e-Gift Voucher OR ParknShop e-Gift Voucher
    HK$ 500,000 to HK$ 999,999 (or equivalent) - HK$2,700 Cash (converted from 27,000 SmartPoints and deposited via FPS)
    - HK$2,700 Apple Store Gift Card
    - HK$3,000 HKTVmall e-Gift Voucher OR ParknShop e-Gift Voucher
    - SONY WH-1000XM6 Wireless Noise Cancelling Headphones (Value: HK$3,699)
    HK$ 1,000,000 (or equivalent) or above - HK$5,400 Cash (converted from 54,000 SmartPoints and deposited via FPS)
    - HK$5,400 Apple Store Gift Card
    - HK$5,700 HKTVmall e-Gift Voucher OR ParknShop e-Gift Voucher
    - Dyson Spot+Scrub™ Ai Cordless Wet & Dry Vacuum (Worth HK$6,490)

  • Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)
    After clicking MoneySmart’s designated link, please complete the application form asap; Do not open another web page.

WHAT YOU NEED TO KNOW

  1. The promo code "WLBSMT" can only be used once

  2. The cash reward will be converted from SmartPoint and then deposited into the eligible applicant's bank account via FPS.

  3. Eligible customers must successfully open an account and deposit funds through the designated invitation code from MoneySmart during the promotional period (which takes 1-2 days) to qualify as a successful account opening. Otherwise, they will not be able to receive the welcome gift for that promotional period. Remember to open your account early to avoid missing out on the rewards!

  4. New customers must submit MoneySmart rewards redemption form before 15 July 2026 23:59

  5. # "Eligible Fund Transaction" means any one-time subscription order which (i) is placed during 12 June to 15 July with investment amount of no less than HKD 40,000 or equivalent and (ii) results in successful subscription for any Investment Fund via the Featured Funds Services or GoWealth Digital Wealth Advisory.
    For the avoidance of doubt, monthly investment orders effected via Featured Funds Services and GoWealth Digital Wealth Advisory shall NOT be considered as an Eligible Fund Transaction.
    * Fund Maintenance Period" From 15 July 2026 until 31 August 2026 (both dates inclusive)

  6. Enjoy foreign currency exchange rewards for transactions equivalent to HK$50,000 or above:

    Exchange Amount Gift Options
    HK$50,000 to HK$199,999.99 (or equivalent) HK$200 cash
    HK$200,000 to HK$499,999.99 (or equivalent) HK$300 cash
    HK$500,000 to HK$999,999.99 (or equivalent) HK$400 cash
    HK$1,000,000 to HK$2,999,999.99 (or equivalent) HK$600 cash / AECOOLY OK01 CAMPERKIT Cooling Pack Module 5-Piece (value HK$980)
    HK$3,000,000 (or equivalent) or above HK$800 cash / PHILIPS Soda Maker (ADD4902BK) (Black Colour) (value HK$1,288)
T&CsClaim Form

Card Details

  • Zero annual fee
  • Multi-currency support — Spend in 11 major currencies: HKD, JPY, USD, CNY, AUD, GBP, EUR, SGD, CAD, CHF, NZD
  • Best FX rate guarantee — Cost-price exchange rates with zero markup; AI-powered comparison across 28 Hong Kong retail banks
  • Instant virtual card — Issue immediately upon account opening; use right away with Apple Pay and online payments
  • Physical card in 5–7 business days — Secure design with no card number, CVV, or expiry date printed on card face
  • Global ATM withdrawals — Access cash worldwide at any ATM bearing the Cirrus® logo; only 1.5% fee overseas
  • Auto FX top-up — System automatically converts HKD to required foreign currency when balance insufficient
  • Mastercard® global acceptance — Accepted at all Mastercard® merchants worldwide for in-store and online purchases
  • Cash rebate on spending — Up to 0.2% local, up to 1% Mainland China and overseas (promotional: 8 Jun – 31 Aug 2026, capped at HKD 50 per transaction)

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