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Remarks of interest rate table
- Monthly repayment table is only applicable to Selected Customers.
- Monthly repayment amount is calculated on the basis of every loan amount of HK$1,000.
- The Annualized Percentage Rate (APR) is calculated based on the loan amount of HK$50,000, HK$200,000, HK$500,000, HK$1,000,000 and HK$1,500,000, including an annual handling fee of 1%.
- The repayment table is for reference only. The APR is calculated according to the guideline set out in the Code of Banking Practice and rounded up/down to the nearest two decimal places. APR is a reference rate, which includes all applicable loan interest rates, fees and charges of the loan product, expressed as an annualised rate.
- The actual APR and monthly repayment amount applicable to individual customers may differ, customers should refer to the loan confirmation letter for the actual related information.
- The repayment table information (flat rate, repayment amount etc) does not apply to DreamCash Balance Transfer application.

i. Customer may choose to drawdown the loan within 30 calendar days from the loan approval date, and drawdown date must be a Business day, must not be a Saturday, Sundry or Public holiday. (e.g. for loan approved on 3 May 2020, customer may choose to drawdown the loan on any business day within 3 May 2020 and 1 June 2020). Interest shall be charged on the loan amount at the applicable interest rate (which will be stated in the Loan Confirmation Letter) starting on the date the Bank disburses the disbursement amount to the Customer until full repayment of the relevant loan. The first repayment date will be one month after the drawdown date. If the monthly repayment date falls on a Saturday, Sunday or General Holiday, then repayment will become due on the business day of the Bank after that designated repayment day provided that if that business day falls on a date of another calendar month, payment will instead become due on the business day of the Bank prior to that designated repayment date.
ii. The final loan amount will be subject to the circumstance of individual customer. The approval of the loan (as well as the final approved loan amount) is subject to the Bank's final decision.
iii. Annualized Percentage Rate ("APR") of 2.97% is calculated based on a monthly flat rate of 0.048%, with loan amount of HK$1,500,000 and repayment tenor of 12 months and includes an annual handling fee of 1%.

General Terms and Conditions:
- The "Bank" means Bank of Communications (Hong Kong) Limited.
- DreamCash Balance Transfer is the product of DreamCash Personal Loan.
- The above products are subject to the relevant terms and conditions of the DreamCash Personal Loan and DreamCash Balance Transfer.
- Customer must fulfill the requirements of credit rating set by the Bank. The approval of the loan is subject to the final decision of the Bank without the liability to provide reasons.
- For the fee and charges of DreamCash Personal Loan, please refer to the Key Facts Statement for Instalment Loan.
- The Bank reserves the rights to terminate the above offers, or to amend the terms and conditions at any time without prior notice. The Bank has no liability for any changes or termination of the offers.
- No person other than the customers and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to enjoy the benefit of any terms and conditions under these Terms and Conditions.
- In the case of any discrepancy (ies) between the Chinese and English versions of these terms and conditions, Chinese version shall prevail.

Terms and Conditions for Promotion Offers
1. Promotion period commences from 1 August 2020 to 31 December 2020, both days inclusive ("Promotion Period"). To be eligible for the offer, customers shall successfully apply for DreamCash Personal Loan or Balance Transfer within the Promotion Period and drawdown the loan on or before 31 January 2021.
2. Up to $1,500 Credit Card Credit Rebate ("Credit Rebate ") is only applicable to customer who successfully applied for DreamCash Personal Loan with designated drawdown loan amount and repayment tenor of 36 months or above. The Credit Rebate varies according to the approved loan amount and repayment period. The details are as follow:

Amount of Loan Drawdown (HK$) Credit Card Credit Rebate (HK$)
200,000 - 499,999 300
500,000 - 999,999 500
1,000,000 - 1,499,999 1,000
1,500,000 or above

3. Only applicable to customers who successfully applied for DreamCash Personal Loan / Balance Transfer via the Bank's website ( The Credit Rebate varies according to the Drawdown loan amount. The details are as follow:

Amount of Loan Drawdown (HK$) Credit Card Credit Rebate (HK$)
50,000 – 199,999 200
200,000 – 399,999 1,000
400,000 - 799,999 2,000
800,000 or above

4. HK$200 Credit Rebate is only available to customers who use the Bank’s account for disbursement and repayment of DreamCash Personal Loan or DreamCash Balance Transfer.
5. Selected Customers includes professionals (professionals is defined to include doctors, pharmacists, accountants, barristers, solicitors, architects, surveyors, engineers, airline transport pilots, actuaries etc.), non-contract based civil servant with salary of HK$30,000 or above, full-time teachers of universities/ tertiary institution/ secondary/primary school, the Mortgage Customers and the BComBEST Customers of the Bank. The Bank reserves the discretion to interpret the definition and scope of "Selected Customers".
6. Offer 4 is only applicable to Selected Customers.
7. All Bonus Points will be credited to the valid BOCOM Credit Card Accounts held by the customer on or before 31 March 2021.
8. Credit Rebate awarded can only be used for retail spending and cannot be used as cash advance or to offset financial charge or to settle outstanding balance incurred before Credit Rebate is awarded. Credit Rebate cannot be redeemed for cash or other gift items, refunded or transferred.
9. Any customers who hold more than one BOCOM Credit Card, the Bonus Points will be credited in the order as VISA Platinum, Go-Goal Platinum, FWD VISA Platinum, Greater Bay area CUP Diamond, Gundam CUP Dual Currency Diamond, CUP Dual Currency Diamond, FWD CUP Dual Currency Diamond, Yan Chai CUP Dual Currency Diamond, VISA Gold, Go-Goal Gold, CUP Dual Currency Gold, FWD CUP Dual Currency Gold, Yan Chai CUP Dual Currency Gold, VISA Classic, Go-Goal Classic, FWD VISA Classic and MI Classic.
10. The repayment account or loan account held by the customer must be valid, non-delinquent and in good standing when the Bank credits the Credit Rebate. The Bank reserves the rights to terminate the relevant offer without prior notice.
11. If customers who do not have any BOCOM credit card at the time when the Credit Rebate is credited by the Bank, the Bank will provide supermarket cash coupon ("Cash Coupon") as a replacement for the Credit Rebate. Every HK$100 Credit Rebate will be replaced by HK$100 Cash Coupon. Cash Coupon redemption letter will be mailed to customers' correspondence address stated in the application form on or before March 2021. Cash Coupon is subject to the relevant terms and conditions of the merchant. All liabilities in relation to the Cash Coupon are solely borne by the merchant. The Bank will not re-issue the Cash Coupon redemption letter if it is lost, stolen or damaged. The Bank has no libility whatsoever under such circumstance and will not be liable for any compensation. Cash Coupon is non-exchangeable, non-transferable, and cannot be redeemed for cash.
12. Each customer will only be entitled to each offer once during the Promotion Period.