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Tax Season Early Bird Offer - CNCBI $mart Plus Personal Installment Loan - Debt Consolidation
MoneySmart Exclusive
Cash reward regardless of approval!
Cash reward regardless of approval!

Tax Season Early Bird Offer - CNCBI $mart Plus Personal Installment Loan - Debt Consolidation

6.93%
APR as low as*
HK$210,560
Total Amount Payable
HK$10,560
Total Interest Payable

Apply through MoneySmart and redeem for any of these:

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MoneySmart Exclusive
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Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Apple Store Gift Card

Reward image

Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Apple Store Gift Card

MoneySmart Exclusive
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Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 ParknShop e-Voucher

Reward image

Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 ParknShop e-Voucher

MoneySmart Exclusive
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Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Trip.com e-Voucher

Reward image

Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Trip.com e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Apple Store Gift Card

Reward image

Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Apple Store Gift Card

MoneySmart Exclusive
Reward image

Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 ParknShop e-Voucher

Reward image

Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 ParknShop e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Trip.com e-Voucher

Reward image

Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Trip.com e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Apple Store Gift Card

Reward image

Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Apple Store Gift Card

MoneySmart Exclusive
Reward image

Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Parknshop e-Voucher

Reward image

Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Parknshop e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Trip.com e-voucher

Reward image

Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Trip.com e-voucher

MoneySmart Exclusive
Reward image

Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Apple Store Gift Card

Reward image

Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Apple Store Gift Card

MoneySmart Exclusive
Reward image

Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Parknshop e-Voucher

Reward image

Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Parknshop e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Trip.com e-voucher

Reward image

Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Trip.com e-voucher

MoneySmart Exclusive
Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Apple Store Gift Card

Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Apple Store Gift Card

MoneySmart Exclusive
Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 ParknShop e-Voucher

Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 ParknShop e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Trip.com e-Voucher

Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Trip.com e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Apple Store Gift Card

Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Apple Store Gift Card

MoneySmart Exclusive
Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 ParknShop e-Voucher

Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 ParknShop e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Trip.com e-Voucher

Reward image

Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Trip.com e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Apple Store Gift Card

Reward image

Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Apple Store Gift Card

MoneySmart Exclusive
Reward image

Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 ParknShop e-Voucher

Reward image

Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 ParknShop e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Trip.com e-Voucher

Reward image

Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Trip.com e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Apple Store Gift Card

Reward image

Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Apple Store Gift Card

MoneySmart Exclusive
Reward image

Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Parknshop e-Voucher

Reward image

Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Parknshop e-Voucher

MoneySmart Exclusive
Reward image

Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Trip.com e-voucher

Reward image

Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Trip.com e-voucher

MoneySmart Exclusive
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Regardless of Approval - HK$800 cash (automatically converted from 8,000 SmartPoints and will directly deposit into FPS account)

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Regardless of Approval - HK$800 cash (automatically converted from 8,000 SmartPoints and will directly deposit into FPS account)

MoneySmart Exclusive

【Tax Season Flash Sales ⚡ HK$900 regardless or approval】Total rewards up to HK$27,788!
From 1 November to 8 November 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$900 ParknShop e-Voucher / HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!


From now until 30 November 2026, successfully apply and drawdown with designated loan amount, can enjoy gift from MoneySmart up to HK$10,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers. Plus, enjoy up to HK$16,888 cash rebate from the bank. Total rewards up to HK$27,788!
⠀⠀

Valid till 08 Nov 2026

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ARE YOU ELIGIBLE?

  • From 1 November to 8 November 2026 (promotion period), successfully apply via MoneySmart and draw down the loan

  • Submit MoneySmart reward claim form on or before 7 December 2026

WHAT YOU NEED TO KNOW

  1. November Flash Sales － HK$900 Voucher / HK$800 Cash Regardless of Approval 💰
    From 1 November to 8 November 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$900 ParknShop e-Voucher / HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!
    ⠀⠀
    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 on or before 7 December 2026.

  2. [MoneySmart Exclusive Extra Offers] Draw down designated loan amount and get up to HK$10,000 Vouchers
    Repayment period of 12-24 months, and draw down designated loan amount:
    HK$100,000-$299,999, get HK$400 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
    HK$300,000-$799,999, get HK$1,500 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
    HK$800,000-$1,199,999, get HK$3,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
    HK$1,200,000 or above, get HK$6,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
    ⠀⠀
    Repayment period of 36 months or above, and draw down designated loan amount:
    HK$100,000-$299,999, get HK$600 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
    HK$300,000-$799,999, get HK$2,500 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
    HK$800,000-$1,199,999, get HK$5,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
    HK$1,200,000 or above, get HK$10,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers

  3. CNCBI rewards up to HK$16,888 cash rebate
    From now until 30 November 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 up to HK$16,888 Cash Rebate. Click here for $mart Plus Personal Installment Loan – Promotional Terms and Conditions for ‘Up to HK$16,888 Cash Rebate Offer’

  4. Please note that the MoneySmart Exclusive rewards are provided by MoneySmart and is not the responsibility of the bank.

T&CsFAQClaim Form

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.

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