Unlock Double Rewards to enjoy “APR as low as 0%^” in this Tax Season
Promotion Period: 21 October 2026 to 31 December 2026 (both dates inclusive)
Tax season doesn't have to put your financial plans on hold. With WeLab Bank's 🌟latest Tax Season Offer🌟, you can enjoy fast loan approval and quick access to funds. Eligible Customers who meet the specified requirements and complete the designated "Mission Cash Reward” can unlock our exclusive "Interest-Free" Privilege with an APR as low as 0%^, helping you meeting different financial needs during tax season.
Stay financially flexible in tax season, manage your finances and wealth on your terms, and seize opportunities.
How is the APR as low as 0% calculated?
An Eligible Customer who successfully drawdown a Personal Instalment Loan (“Loan” or “Tax Season Loan") with HKD 250,000 loan amount or more with a repayment tenor of 12 months and fulfils the applicable requirements under both Offer 1 and Offer 2 of the WeLab Bank 2026 Tax Season Double Rewards Campaign may enjoy:
• Personal Instalment Loan with an Annualized Percentage Rate (APR) as low as 2.89%¹ under Offer 1; and
• Cash Reward of up to HKD 3,880² under Offer 2, upon fulfilling the applicable requirements
If the customer successfully obtains a Loan with HKD 250,000 with an APR of 2.89% under Offer 1 and receives the maximum cash reward of HKD 3,880 under Offer 2, after taking into account the interest expense on the HKD 250,000 Personal Instalment Loan with a repayment tenor of 12 months drawn down under Offer 1 and the maximum Cash Reward of HKD 3,880, the borrowing cost would be equivalent to an APR of 0%^.
How Can I Become an Eligible Customer?
You must not have held any WeLab Bank account in the 12 months immediately before the Campaign Period, and must successfully open a Core Account and an Investment Account during the Campaign Period using a Hong Kong Identity Card and referral code “WLBTAX”.
Offer 1: Personal Instalment Loan APR as low as 2.89%¹
Successfully applies for WeLab Bank Personal Instalment Loan within the Campaign Period at WeLab Bank and draws down the loan within 7 calendar days after approval,
With a minimum drawdown amount of HKD 250,000,
With tenor of 12 months for the Loan, and
Meets internal requirements of credit assessment of the Loan.
To borrow or not to borrow? Borrow only if you can repay!
Offer 2: “Mission Cash Reward” - Complete missions to earn a reward up to HKD 3,880²
Complete the FPS Receiving Bank Registration Requirement during the Campaign Period;
Maintain a valid Core Account and Investment Account with WeLab Bank during the Campaign Period and until the applicable Cash Reward has been credited;
Complete at least one eligible fund transaction during the designated transaction period and accumulate an investment amount of HKD 200,000 (or equivalent) or above to determine the applicable cash reward amount;
Hold the Fund Units of Eligible Fund Transactions during the applicable Maintenance Period.
Note: “FPS Receiving Bank Registration Requirement” means that an Eligible Customer successfully registers for the Faster Payment System (“FPS”) using a mobile number or email address via the WeLab Bank App, designates WeLab Bank as the FPS default receiving bank. An Eligible Fund Transaction is a one-time subscription order of at least HKD 20,000 or equivalent via Featured Funds Services or GoWealth Digital Wealth Advisory. Money market funds, GoWealth Portfolio 1 and monthly investment orders are excluded.
Complete all missions to receive the Cash Reward based on the Accumulated Investment Amount arising from Eligible Fund Transactions completed during the Designated Trading Period, subject to the remaining Accumulated Investment Amount assessed at the end of each applicable Maintenance Period.
Cash Reward Amount | |||
Range of Accumulated Investment Amount during Designated Trading Period | 1st Maintenance Period | 2nd Maintenance Period | Total |
HKD 200,000 to HKD 499,999.99 or equivalent | HKD 650 | HKD 650 | HKD 1,300 |
HKD 500,000 or above or equivalent | HKD 1,940 | HKD 1,940 | HKD 3,880 |
Eligibility and reward amounts are assessed separately for the 1st and 2nd Maintenance Periods. The maximum Cash Reward under the Campaign is HKD 3,880.
The Maintenance Periods and corresponding Cash Reward fulfilment dates are as follows. The Cash Reward will be credited to the Eligible Customer’s Core Account.
Designated Trading Period | 1st Maintenance Period | 1st Maintenance Period Cash Reward credited by | 2nd Maintenance Period | 2nd Maintenance Period Cash Reward credited by |
21 October 2026 - 31 December 2026 | 1 January 2027 - 30 June 2027 | 31 July 2027 | 1 July 2027 - 31 December 2027 | 31 January 2028 |
Account Opening Requirements
Select "Hong Kong Identity Card", verify your mobile number and fill in your email address
Ready to unlock double rewards?
Enter promo code “WLBTAX” when opening your account
Want to know more? We've got answers!
Who is eligible to participate in this Campaign?
Customers must not have held a WeLab Bank account within the past 12 months and must successfully open both a Core Account and an Investment Account during the Campaign period using a Hong Kong Identity Card and the promotion code “WLBTAX”.
What offers are available under this Campaign?
The Campaign includes a Personal Instalment Loan with an APR as low as 2.89% and fund investment cash rewards of up to HKD 3,880.
Can I enjoy both offers?
Yes. The two offers are assessed independently. You may qualify for either or both offers if you meet the applicable requirements.
Who is eligible for the Personal Instalment Loan offer with an APR as low as 2.89%?
Eligible Customers must successfully apply for a Personal Instalment Loan during the Campaign Period (excluding refinancing and top-up personal loans) and satisfy all of the following requirements:
- The loan application is approved;
- The approved loan is drawn down within 7 calendar days after approval;
- The loan drawdown amount is HKD 250,000 or above;
- A 12-month repayment tenor is selected; and
- The customer meets WeLab Bank’s credit assessment and other internal requirements.
The actual approved APR will be determined based on the customer’s individual credit profile and the Bank’s final approval decision. An APR as low as 2.89% is not guaranteed for all customers.
Will early repayment of the Personal Instalment Loan under Offer 1 affect eligibility for the Cash Reward?
No.
Offer 1 and Offer 2 are two separate offers under the Campaign. Provided that the customer meets all requirements of completing the FPS Receiving Bank Registration Requirement, the fund investment promotion - including completing the designated fund subscription, maintaining the qualifying investment amount, and fulfilling the relevant holding period requirements, early repayment of the Personal Instalment Loan will not affect eligibility for the fund investment Cash Reward.
However, customers must still pay any applicable early repayment fees in accordance with WeLab Bank Personal Loan (Personal Instalment Loan & Card Debt Consolidation Loan) Terms and Conditions (if applicable).
Can multiple fund transactions be aggregated?
Yes. The investment amounts of Eligible Fund Transactions completed during the Designated Trading Period may be aggregated. Each Eligible Fund Transaction must be a one-time subscription order of at least HKD 20,000 or equivalent.
When will the Cash Reward be credited?
The reward for the 1st Maintenance Period will be credited by 31 July 2027, and the reward for the 2nd Maintenance Period will be credited by 31 January 2028, subject to eligibility assessment.
What happens if I redeem some fund units?
Your reward will be determined by the remaining Accumulated Investment Amount at the end of the relevant Maintenance Period. If the remaining amount is below HKD 200,000 or equivalent, no reward will be payable for that period.
Can this promotion be used together with other welcome offers?
No. This promotion cannot be used in conjunction with other designated new customer, personal loan, or investment promotional offers.
Remarks:
Offers are subject to the full Terms and Conditions, click here to view. The Campaign has limited quota and is available on a first-come-first-served basis. It cannot be used with specified other offers, discounts, promotions or new-customer welcome offers. Customers who open a Core Account using a referral code other than “WLBTAX” during the Campaign Period are not eligible. Transaction instructions that are withdrawn, cancelled or rejected do not qualify. Relevant fees and charges may apply.
^During the Campaign Period, if the Eligible Customer fulfils the applicable requirements under both Offer 1 and Offer 2, and assuming that the customer draws down a loan amount of HKD 250,000 with an APR of 2.89% and a repayment tenor of 12 months under Offer 1 and receives the maximum Cash Reward of HKD 3,880 under Offer 2, after taking into account the interest expense on that loan and the said Cash Reward, the borrowing cost would be equivalent to an APR of 0%. Actual borrowing costs will vary depending on the loan amount, approved APR, repayment arrangement, and the actual cash reward received.
Offers are subject to Terms and Conditions. The APR is calculated in accordance with the guidelines set out in the Code of Banking Practice and rounded to two decimal places. The APR is a reference rate expressed as an annualised rate, which includes all applicable interest rates, handling fees and charges. The final APR available to a customer may vary depending on the customer's application information, personal credit record, and final approval result.
¹ The final APR offered is subject to the applicant’s application information, personal credit record and final approval.
² Subject to the applicable terms and conditions. Limited quota on a first-come-first-served basis. Investment involves risk. The above information is for reference only and does not constitute investment advice.
Disclaimers
This webpage is for information only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. The investment products or services mentioned in this webpage are not equivalent to, nor should it be treated as a substitute for, time deposit.
Investment involves risk. The price of an investment fund unit may go up as well as down and the investment funds may become valueless. Part of your investment may not be able to liquidate immediately under certain market situation. Please refer to our Wealth Management Services Terms (including relevant risk disclosures) and relevant fund offering documents for more details of our wealth management services as well as the nature and risks of the relevant products.
The investment decision is yours but you should not invest in product(s) nor services mentioned in this webpage unless the intermediary who sells them to you has explained to you that these products or services are suitable for you having regard to your financial situation, investment experience and investment objectives.
Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product(s).
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