CNCBI $mart Plus Personal Installment Loan - Debt Consolidation
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
Regardless of approval - HK$800 Cash (automatically converted from 8,000 SmartPoints, directly deposited into FPS account)
Regardless of approval - HK$800 Cash (automatically converted from 8,000 SmartPoints, directly deposited into FPS account)
MoneySmart Exclusive
Repayment period of 12-24 months, HK$800,000 or above, get HK$2,400 Apple Store Gift Card
Repayment period of 12-24 months, HK$800,000 or above, get HK$2,400 Apple Store Gift Card
MoneySmart Exclusive
Repayment period of 12-24 months, HK$800,000 or above, get HK$2,400 Parknshop e-Voucher
Repayment period of 12-24 months, HK$800,000 or above, get HK$2,400 Parknshop e-Voucher
MoneySmart Exclusive
Repayment period of 12-24 months, HK$800,000 or above, get HK$2,400 Trip.com e-Vouchers
Repayment period of 12-24 months, HK$800,000 or above, get HK$2,400 Trip.com e-Vouchers
MoneySmart Exclusive
Repayment period of 36 months or above, HK$800,000 or above, get HK$4,000 Parknshop e-Voucher
Repayment period of 36 months or above, HK$800,000 or above, get HK$4,000 Parknshop e-Voucher
【MoneySmart Exclusive 🎊】Limited Time Flash Offer ⚡ Total rewards up to HK$20,688!
From now until 31 July 2026, customers successfully apply CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation via MoneySmart and submit a complete online application form, can earn HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!
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During 1-31 July 2026, successfully apply and draw down with designated loan amount, can enjoy gift from MoneySmart up to HK$4,000 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers. Also can earn an “Exclusive Limited-Time Reward” of extra HK$2,000 cash rebate on top of up to HK$13,888 Cash Rebate from the bank. Total rewards up to HK$20,688!
Valid till 31 Jul 2026
ARE YOU ELIGIBLE?
From today until 31 July 2026 (promotion period), successfully apply via MoneySmart and draw down the loan
Submit MoneySmart reward claim form on or before 7 August 2026
WHAT YOU NEED TO KNOW
July Flash Sales － HK$800 Cash Regardless of Approval 💰
From now until 31 July 2026, apply for CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation via MoneySmart and submit a complete online application form, you can earn HK$800 cash regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!⠀
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Customers must submit the redemption form after logging in to MoneySmart, along with the phone number you used to complete the application and the phone number that is linked to your bank account for receiving funds via FPS for receiving funds via FPS on or before 7 August 2026.[MoneySmart Exclusive] Draw down designated loan amount and get up to HK$4,000 Vouchers
Repayment period of 12-24 months, and draw down designated loan amount:
HK$100,000-$299,999, get HK$300 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers
HK$300,000-$799,999, get HK$1,200 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers
HK$800,000 or above, get HK$2,400 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers
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Repayment period of 36 months or above, and draw down designated loan amount:
HK$100,000-$299,999, get HK$500 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers
HK$300,000-$799,999, get HK$2,000 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers
HK$800,000 or above, get HK$4,000 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-VouchersCNCBI rewards up to HK$15,888 cash rebate
From now until July 31, 2026, customers who apply for and successfully draw down a CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation with a loan amount of HK$100,000 or above and a repayment period of 36 months or more, can enjoy the corresponding cash rebate. Selected Customers who fulfil designated conditions and successfully applying and drawdown for a loan amount of HK$500,000 or above and repayment tenor of 36 months or above, can enjoy an additional HK$2,000 Cash Rebate. Total basic cash rebate up to HK$13,888.
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CNCBI Limited Time Flash Offer - Extra HK$2,000 cash rebate
From now until July 15, 2026, any customers who apply for and successfully draw down a CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation with a loan amount of HK$100,000 or above and repayment tenor of 36 months or above, can enjoy an additional HK$2,000 Cash Rebate. Together with the basic Cash Rebate of up to $13,888, the total Cash Rebate is up to HK$15,888. Click here for Promotional Terms and Conditions for “Up to HK$13,888 Cash Rebate Offer” and “Exclusive Limited-Time Reward – Extra HK$2,000 Cash Rebate"Please note that the MoneySmart Exclusive rewards are provided by MoneySmart and is not the responsibility of the bank.
Loan Details
Good For
Salaried employee receiving over HK$7,000 monthly seeking to consolidate credit cards and other loans to save on interest expenses.
Individuals desiring flexible funds and repayment periods to ease monthly expenses with a personalised interest rate.
Individuals seeking to refinance by consolidating multiple high-interest debts.
Things to Note
Early repayment of CNCBI $mart Plus Personal Installment loan incurs an early settlement fee. 2% of approved loan amount will be charged if you fully repay the loan.
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