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You can earn up to 600 YOU Points with every eligible banking transaction every year!
The more transactions, the more rewards you can get!
From saving YOU Points to enjoying benefits, simply log on to your Dah Sing e-Banking or Mobile Banking account anytime and anywhere to carry out the relevant checks and redeem your YOU Points for attractive cash rewards.
Redeem YOU Points for cash rewards
Period of Time for which You Have Been Our YOU Banking Customer
(Count from the next calendar month upon account opening) | Monthly YOU Balance
over the Past 12 Months | Cash Reward for
1 YOU Point |
|---|
| 1 year or more |
HKD50,000 or above |
HKD1 |
The following table sets out the types of Eligible Transaction, respective YOU Points earned and the Maximum YOU Points earned from each Eligible Transaction per month:
With effect from 24 Sep 2024, payroll transactions are not entitled to YOU Points.
| Type of Eligible Transaction | YOU Points earned | Maximum YOU Points earned per month
(per type of Eligible Transaction) |
|---|
Online Securities Buy / Sell Transaction*
Only applicable to Buy / Sell Transaction(s) of HK Stocks / A-shares via Dah Sing "i-Securities Internet Trading Services" / "Securities Trading App+" and / or Buy / Sell Transaction(s) of US Stocks via "US Securities Trading App" using Eligible Deposit Account as securities settlement account. Transaction amount refers to the gross transaction amount excluding brokerage and other relevant charges incurred.
*Excluding IPO application and Stocks Investment Savings Plan |
2
(for each Buy / Sell Securities Transaction with transaction amount
of HKD25,000^ or above) |
20 |
Subscribe or set up any of the following investment services type mentioned below:
Currency Linked Premium Deposit / Currency Linked Principal Guaranteed Deposit / Currency Switching / Investment Fund# / Bonds / Equity Linked Investment
#Excluding Investment Fund switching and monthly instalment of Investment Fund Savings Plan |
2
(for each transaction with transaction amount
of HKD25,000^ or above) |
20 |
Online Buy / Sell Foreign Currency
Only applicable to transaction conducted via either Dah Sing e-Banking or Mobile Banking using designated Eligible Deposit Account as debit account.
Only debit transactions will be awarded YOU Points. |
1
(for every debit transaction with transaction amount
of HKD5,000^ or above) |
10 |
Merchant Spending Transactions conducted via Dah Sing Multi-Currency
Mastercard® Debit Card (excluding transactions made via EPS)
Only debit transactions will be awarded YOU Points. |
1
(For each debit merchant spending transaction) |
10 |
| Dah Sing Octopus App Card's Reload with Automatic Add Value Service ("AAVS") transaction |
1
(for each Octopus App Card AAVS transaction) |
10 |
Bill Payment Transaction
- Autopay of Bill Payment
Only applicable to autopay instruction set up at the Bank's branch using the designated Eligible Deposit Account as debit account
- Online Bill Payment Transaction
Only applicable to bill payments through "Bill Payment", "Funds Transfer within Dah Sing Bank" (only applicable to fund transfer to Dah Sing Credit Card or cash card) or "Settle Dah Sing Bank Payment" via either Dah Sing e-Banking or Mobile Banking with designated Eligible Deposit Account as debit account
|
1
(Autopay of Bill Payment: for each autopay of bill payment transaction amount of at least HKD1,000^
/ Online Bill Payment Transaction: for each transaction of bill payment amount of HKD500^ or above) |
10 |
Local Fund Transfer to Eligible Deposit Account through FPS / CHATS
Excluding fund transfer from an existing account maintained with the Bank. |
1
(for every single deposit transaction with transaction amount
of HKD5,000 or above) |
10 |
YOU Banking Birthday Privilege
Enjoy double YOU Points in your birthday month if your YOU Banking account has been opened for at least 1 year and you have maintained a YOU Balance+ of at least HKD50,000 for every month over the past 12 calendar months immediately preceding your birthday month. |
X 2 |
|
"Eligible Deposit Account": YOU i-Account (in the sole name of the account holder or in the capacity as Primary Account Holder in the case of a joint account), and all other deposit account(s) of the account holder maintained with the Bank in the capacity as Primary Account Holder
For details of relevant fees and charges, please refer to the prevailing "Bank Service Charges" of the Bank.
^ Transaction amount is calculated in Hong Kong Dollars or equivalent.
+ The average daily positive balance of all your savings and current accounts maintained with Dah Sing Bank in the capacity as primary account holder in a calendar month (excluding fixed deposit).
