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关于修订中银智盈储蓄计划相关规则和条款的公告(2020年8月1日起)


2020-07-22


尊敬的客户:

为给您提供更加优质的服务,我行对现有的《中银智盈储蓄规则和条款》(Terms and Conditions Governing BOC SmartSaver)和《中银智盈储蓄美元存款规则和条款》(Terms and Conditions Governing USD Deposits with BOC SmartSaver)进行了修订,并将于2020年8月1日起生效。具体修订内容如下:

一、《中银智盈储蓄规则和条款》修订内容

(a)4.1 Wealth Bonus Interest

To be eligible for Wealth Bonus Interest, an Account Holder must successfully purchase through BOC an eligible financial product of at least the required minimum amount in a single transaction from 1 August 2020. The Account Holder will enjoy the Wealth Bonus Interest for the bonus period determined by BOC and announced on the relevant BOC Smart Saver web pages. Different types of financial products may have different required minimum amounts. Multiple purchases cannot be aggregated for consideration towards the required minimum amount.

If the Account Holder cancels the financial product within 12 months from the issue date of policy, he/she will no longer qualify for the Wealth Bonus Interest.

For eligible financial products with single premium or regular premiums (annual premium payment mode only), only the first premium is considered towards the required minimum amount for the purpose of awarding the Wealth Bonus Interest. Any subsequent premiums will not be eligible.

If the Account Holder makes multiple purchases of eligible financial products that satisfy the Wealth Bonus Interest criteria and there is an overlap of the Wealth Bonus Interest calculation period, the Account Holder will only receive one Wealth Bonus Interest during the overlapping period and any non-overlapping period.

Wealth Bonus interest computation will commence from the calendar month after the month in which the free-look period for the purchased policy ends or the policy issue date + 21 calendar days, whichever is later.

The Account Holder must be the policy owner of the eligible financial product.

For financial products denominated in foreign currency, BOC will calculate the premium amount in Singapore dollars using BOC’s prevailing exchange rate to determine if it meets the required minimum amount.

BOC reserves the right to cancel or suspend payment of the Wealth Bonus Interest and to deduct / claw back any Wealth Bonus Interest paid in the event that any of the foregoing conditions is not met (including the Account Holder ceasing to qualify for it) at any time during the period the Wealth Bonus Interest is payable.

(b) 4.2 Card Spend Bonus Interest

4.2.2 The following are examples of transactions that will not be eligible:

(b)SAM Payments and AXS payments (transactions via all AXS channels, including AXS station, AXS e-station, AXS m-station, etc.);

您可查看《关于调整中银智盈储蓄计划存款利率的公告(2020年8月1日起)》了解最新新加坡币(SGD)存款奖励利率调整信息。

二、《中银智盈储蓄美元存款规则和条款》修订内容

将取消第四部分“智盈储蓄美元存款奖励利息条件”中的卡消费奖励利息、支付奖励利息和超额储蓄奖励利息,仅保留薪金代发奖励利息。修改后如下:

4. Eligibility Criteria for USD SmartSaver

4.1 Salary Crediting USD Bonus Interest

To be eligible for Salary Credit USD Bonus Interest, an Account Holder must successfully credit his/her salary of at least the required minimum amount into his/her MCS Account. Only genuine employment salary credit via BOC Salary Crediting Service with transaction descriptions "SALA" or "IBG-SALA" printed on the monthly statement within the calendar month is eligible.

Salary credit in other forms will not be eligible.

4.2 An Account Holder’s MCS Account shall be valid, subsisting and in good standing at all times.

4.3 The latest eligibility criteria for USD SmartSaver, USD Prevailing Interest rates, USD Bonus Interest rates, USD AEB Limits can be found at www.bankofchina.com/sg. For the avoidance of doubt, BOC reserves the right to vary (a) the USD Prevailing Interest rates, (b) the USD Bonus Interest rates, (c) the USD AEB Limits, (d) the eligibility criteria for USD Smart Saver and USD Bonus Interest, in its sole and absolute discretion from time to time without prior notice.

4.4 In the event that any relevant transaction is fraudulent, unauthorised, cancelled or reversed, any Bonus Interest awarded may be cancelled or recovered in whole or in part by BOC.

若有任何疑问,请致电24小时客服热线1800 338 5335 (本地)或+65 6338 5335(海外)查询。

特此公告

中国银行股份有限公司新加坡分行
2020年7月22日

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