| "BCM Cheering You On – Special Payroll Rewards" Terms and Conditions |
| 1. |
The Promotion Period of “BCM Cheering You On – Special Payroll Rewards (September – December 2026)” (“The Promotion”) of Banco Comercial de Macau, S.A. (“BCM”) is from 24 September until 31 December 2026 with both dates inclusive (“Promotion Period”). |
| 2. |
The Promotion is only applicable to current full time Macau Civil Servants, Medical, Education Institutions, Integrated Resort Enterprises and Hotel Employee who opens new BCM Payroll Account Service during the Promotion Period (“Eligible Customer”) (“Payroll Service”). |
| 3. |
Payroll Welcome Offer |
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3.1 |
Eligible Customer who has successfully opened and transferred to BCM’s payroll account service during the Promotion Period and has the first payroll posting within 2 months from the application date of the payroll account can enjoy the corresponding welcome cash rebate: |
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3.1.1 |
For Payroll Service with monthly salary of MOP50,000 above, the Customer can enjoy MOP1,600 cash rebate, |
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3.1.2 |
For Payroll Service with monthly salary from MOP20,000 to MOP50,000, the Customer can enjoy MOP1,200 cash rebate, |
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3.1.3 |
For Payroll Service with monthly salary of MOP20,000 below, the Customer can enjoy MOP800 cash rebate. |
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3.2 |
Eligible Customer is required to maintain the payroll transfer service with BCM for 24 consecutive months upon the application date of Payroll Service in order to be entitled to the Promotion. If the Payroll Service is cancelled before the aforementioned date, BCM reserves the right to deduct the collected cash rebate of the offer from the relevant account of the customer. |
| 4. |
Referral Offer |
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4.1 |
All existing BCM customers can enjoy MOP188 cash rebate upon successfully referring Eligible Customer who has transferred payroll account to BCM during the Promotion Period and has the first successful payroll posting within 2 months from the application/ registration date of the payroll account. |
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4.2 |
Each referrer can be entitled to the offer up to MOP940 cash rebate in total. |
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4.3 |
Customers are not allowed to refer one another in order to obtain the cash rebate. In case of violation, BCM reserves the right to cancel the related rebate entitlement. |
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4.4 |
The Offer is not applicable to BCM staff. |
| 5. |
BCM Branch Event Extra Welcome Offers |
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5.1 |
Eligible Customer who applied the payroll account services and have successfully completed/applied the following designated Banking Products or Services (“Banking Services”) of BCM during the Promotion Period can enjoy the following Welcome Offers (“Welcome Offers”). |
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5.2 |
Welcome Offers are only applicable to customers who have not applied any of the designated Banking Services in the past 12 months. |
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5.3 |
VIP Banking Welcome Offer |
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5.3.1 |
Customers who successfully joined the BCM VIP Banking Service can enjoy MOP100 cash rebate. |
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5.4 |
Investment Welcome Offer |
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5.4.1 |
Brand new Investment Services Customers who have successfully subscribed Investment Fund, Bond, ELI/ ELIR, CLI or CLPGI (“Investment Services”) within one month upon account opening can enjoy HKD100 cash rebate. |
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5.5 |
Securities Trading Service Welcome Offer |
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5.5.1 |
Customers who have opened NEW Hong Kong or U.S. Stock Securities Trading Account and successfully make at least one trading transaction within one month of opening the account can enjoy HKD100 cash rebate. |
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5.6 |
Credit Card Application Approval Offer |
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5.6.1 |
Brand New BCM Credit Cardholders who have completed Credit Card application during the Promotion Period and successfully made at least ONE Credit Card transaction (“Valid Transactions”) during the first month upon card issuance, can enjoy MOP100 cash rebate. |
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5.6.2 |
Valid transactions exclude MacauPass top-up, MPay top-up, autopay transactions, total installment amount of interest-free installment program, total installment amount of cash-in plan and “Easy-Fun” installment plan, financial charges, fees and other unauthorized transactions. |
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5.7 |
A Welcome Gift voucher (“Welcome Gift”) will be served to customer who completed the payroll account services application at any BCM branches during the Promotion Period. |
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5.7.1 |
BCM is not the Welcome Gift supplier and will not be responsible for the quality and any matters in relation to the Welcome Gift. Customers should resolve such issues directly with the supplier. |
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5.7.2 |
Welcome Gift is offered on first-come-first-served basis with limited supply. In case of stock out, BCM has full discretion, at anytime without prior notice, to change to any other item(s) of same value being offered or terminate the offers. |
| 6. |
Each Customer can enjoy each of the Offers of the Promotion once only, regardless of the number of accounts opened or transactions made. |
| 7. |
The payroll transaction should be automatically transferred and recognised as payroll posting record by BCM’s system in order to be considered as an eligible payroll posting record. |
| 8. |
All cash rebate will be calculated based on the Customer’s payroll transactions in the first 2 months of his/her payroll account, and use the lower transaction amount of the two months to determine the actual amount of the case reward. |
| 9. |
If there are more than one payroll transactions per month in the Customer’s payroll account, the first payroll transaction posted in the month will be calculated as the eligible payroll posting record for the Promotion. |
| 10. |
All cash rebate will be automatically deposited into customer’s payroll / related settlement account after the Promotion Period ends. |
| 11. |
The related accounts should maintain at valid account status in order to enjoy the above offer. Shall the Customers closed the relevant account(s) before the Offers are credited, the related cash rebate will be automatically forfeited. |
| 12. |
BCM reserves the right to amend the Terms & Conditions or terminate the above offers at any time without prior notice. |
| 13. |
This service/product is not targeted at customers in the EU. |
| 14. |
In case of dispute, BCM reserves the right for the final decision. |
| 15. |
If there is any inconsistency between the Chinese and English versions of these Terms and Conditions, the Chinese version shall prevail. |
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