Are you eligible?

• • WeLab Bank new/existing customer

  • ・Successfully draw down WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals) using MoneySmart unique code "NLSMRT"
    ・Customers must submit the redemption form on or before 31 May, 2025 via MoneySmart Dashboard

What you need to know

1. 【MoneySmart Exclusive】Get extra HK$1,100 once submitted all required documents !
   Apply for WeLab bank Personal Loan, with designated amount, repayment tenor of 24 months or above, submit all the required documents, regardless of approval, can get extra:
   1. HK$150,001 or above : HK$300 Cash (automatically converted by 11,000 SmartPoints and will directly deposit into your FPS account)
   2. HK$500,001 or above : 8,000 SmartPoints - to fully redeem variety of vouchers equivalent to HK$800
   － Get total up tp HK$1,100 Rewards!

2. 【MoneySmart Exclusive】Up to HK$10,199 !
   From 1 April until 30 April, 2025, successfully applied 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 WH-CH720N Headphone (value:HK$1,299) / 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 De'Longhi (ECOV311) Icona Vintage Series Pump-driven Espresso Coffee Machine(value: HK$3,288)/ HK$2,000 Apple Store Gift Card / HK$2,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$500,001 to HK$1,199,999, get iPhone 16 Pro (value: HK$7,599)
   ・Loan Amount of HK$1,200,000 or above , get iPhone 16 Pro Max (value: HK$10,199)

3. [WeLab Bank Offer up to HK$23,888 Reward]
   From now on until 30 April 2024, successful WeLab Bank Personal Instalment Loan applicants fulfil 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$14,000 cash rebate
   - Loan Amount of HK$600,000 to HK$799,999 , get a HK$16,000 cash rebate
   - Loan Amount of HK$800,000 to HK$1,199,999 , get a HK$18,000 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 31 October 2025.

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 24 March 2025 to 30 Jun 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%. The promotion is subject to a quota and is available on a first-come, first-served basis. Please visit Terms and Conditions for more details.

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

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