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 redemption form on or before 31 August, 2025 via MoneySmart Dashboard

What you need to know

1. 【MoneySmart Exclusive】Get extra 13,000 SmartPoints once submitted all required documents !
   Successfully submit an application for a WeLab Bank Instalment Loan with the below designated loan amount (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:
   1. Any loan size : 5,000 SmartPoints - to fully redeem variety of vouchers equivalent to HK$500
   2. HK$500,001 or above : extra 8,000 more SmartPoints - to fully redeem variety of vouchers equivalent to HK$800
   － Get total up to HK$1,300 Rewards!

2. 【MoneySmart Exclusive】Up to HK$7,999 !
   From 1 July until 31 July, 2025, 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 supermarket vouchers
   ・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 supermarket vouchers
   ・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 supermarket vouchers
   ・Loan Amount of HK$600,000 to HK$799,999 , get a GoPro HERO13 Black Creator Edition  (value: HK$4,800)/ HK$4,000 Apple Store Gift Card / HK$4,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$800,000 to HK$1,199,999 , get a Devialet Gemini II Opera de Paris (value: HK$5,290)/ HK$5,000 Apple Store Gift Card / HK$5,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$1,200,000 or above, get an Apple 13-inch Macbook Air M4 Chip (8-core GPU, 16GB, 256SSD) (value:HK$7,999)/ HK$7,000 Apple Store Gift Card / HK$7,000 PARKnSHOP supermarket vouchers

3. [WeLab Bank Offer up to HK$18,888 Reward]
   From 1 July 2025 until 31 July 2025, successfully approve and draw down WeLab Bank Personal Instalment Loan upon specific drawdown requirements can be entitled to up to HK$18,888 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$7,000 cash rebate
   - Loan Amount of HK$600,000 to HK$799,999 , get a HK$9,000 cash rebate
   - Loan Amount of HK$800,000 to HK$1,199,999 , get a HK$14,000 cash rebate
   - Loan Amount of HK$1,200,000 or above , get a HK$18,888 cash rebate

5. Cash Rebate will be deposited to your core account before 31 January 2026.

6. Loan-Deposit-Link offer: Enjoy up to 5.0%* Saving Interest Rate, deposit interest can offset loan interest anytime. One rate, two ways!
   *The Promotion runs from 1 July 2025 to 30 September 2025. During the promotion period, starting from the date on which you have drawn down the loan and the subsequent 11 calendar months, your HKD Core Account deposit are entitled to the savings cash rebate. The amount of the rebate is calculated on the basis of simple interest and based on the special interest rate which can be as high as 5%. Please visit Terms and Conditions for more details.

7. T&C for WeLab Bank Personal Loan / Promotion T&C for WeLab Bank Personal Loan

8. 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.

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

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