WeLab Bank Card Debt Consolidation Loan

ARE YOU ELIGIBLE?

• WeLab Bank new / existing customer

• Successfully draw down WeLab Bank Personal Instalment Loan using MoneySmart unique code "NLSMRT"

• Customers must submit the claim form on or before 7 November 2026 via MoneySmart Dashboard

WHAT YOU NEED TO KNOW

1. 【MoneySmart Exclusive】Get extra 8,000 SmartPoints once submitted all required documents !
   From 1 October until 31 October 2026, successfully submit an application for a WeLab Bank Card Debt Consolidation Loan with loan amount HK$500,001 or above (not applicable for reborrow/top-up of the Loan) and minimum tenor of 24 months using the above designated unique code, submit all the required documents*, regardless of approval, can get extra 8,000 SmartPoints!
   ⠀⠀
   *All the required documents including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income.

2. 【MoneySmart Exclusive】Enjoy Up to HK$8,000 in Exclusive Rewards! 🎁
   From 1 October until 31 October 2026, successfully approved and draw down loan, for repayment tenor of 24 months or above, can get:
   ・Loan Amount of HK$200,001 to HK$300,000 , get a Sony WF-LS910N Linkbuds Fit (value:HK$1,699) / HK$1,000 Apple Store Gift Card / HK$1,000 Parknshop e-Voucher
   ・Loan Amount of HK$300,001 to HK$500,000, get a DeLonghi DDSX20 Tasciugo AriaDry Dehumidifier (value: HK$3,958)/ HK$2,000 Apple Store Gift Card / HK$2,000 Parknshop e-Voucher
   ・Loan Amount of HK$500,001 to HK$599,999, get a Dyson Supersonic Nural™ hair dryer HD16 (value: HK$3,980) / HK$3,000 Apple Store Gift Card / HK$3,000 Parknshop e-Voucher
   ・Loan Amount of HK$600,000 to HK$799,999 , get HK$4,000 Apple Store Gift Card / HK$4,000 Parknshop e-Voucher
   ・Loan Amount of HK$800,000 or above, get HK$8,000 Apple Store Gift Card / HK$8,000 Parknshop e-Voucher

3. [WeLab Bank Offer up to HK$23,888 Reward]
   From 1 October until 31 October 2026, successfully approve and draw down WeLab Bank Card Debt Consolidation Loan upon specific drawdown requirements can be entitled to up to HK$23,888 rewards:

4. For repayment tenor of 24 months or above:
   - Loan Amount of HK$150,001 to HK$200,000, get a HK$1,000 cash rebate
   - Loan Amount of HK$200,001 to HK$300,000 , get a HK$3,000 cash rebate
   - Loan Amount of HK$300,001 to HK$500,000, get a HK$5,000 cash rebate
   - Loan Amount of HK$500,001 to HK$599,999, get a HK$10,000 cash rebate
   - Loan Amount of HK$600,000 to HK$799,999 , get a HK$12,000 cash rebate
   - Loan Amount of HK$800,000 to HK$1,199,999 , get a HK$16,000 cash rebate
   - Loan Amount of HK$1,200,000 or above , get a HK$23,888 cash rebate

5. Cash Rebate will be deposited to your core account before 30 October 2026.

6. T&C for WeLab Bank Card Debt Consolidation Loan / Promotion T&C for WeLab Bank Card Debt Consolidation Loan

7. The final approved loan amount, interest rate and loan tenor are subject to the credit approval.

8. SmartPoints will be credited into your SmartPoints Wallet with a validity period of one year. T&Cs apply.

9. The above content and offer are subject to terms and conditions. Customers must meet specified requirements, and actual circumstances may vary depending on individual situations. For details, please refer to the relevant terms and conditions on the WeLab Bank official website.

10. To borrow or not to borrow? Borrow only if you can repay!