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ZA Bank Unveils StockBack x ZA Card

By Dominic Sow · 5 November 2025

ZA Bank introduces StockBack x ZA Card, the first credit card in Hong Kong to reward users with real stocks instead of cash back or points.
Redefining Spending Rebate  In a market where traditional spending rewards are still dominated by cash back or travel miles, ZA Bank is the first to break the mould, bringing users a brand-new model. Every essential expense is rewarded with real stocks, which are automatically and regularly credited to the user's investment account. This groundbreaking concept fusing spending and investment redefines users' perception of card spending rewards.   StockBack x ZA Card: One-Click Activation to Unlock a New Experience of Getting StockBack on Purchase   One-Click Activation： ZA Card users simply log in to the ZA Bank App and switch to the
  • StockBack x ZA Card with one tap on the “ZA Card” page. 
  • Extremely Low Threshold： Every time users complete an eligible transaction² of HKD 10 or more, they get a StockBack chance. 
Personalise set up with Preferred Stocks:
  • Users select their preferred stock as a rebate from a list of stocks³ (such as AAPL, TSLA, and NVDA). 
Fully Automatic Redemption, Zero-Cost Investing  The rebated stocks are automatically redeemed every Monday and directly credited to the user's ZA Bank investment account⁴, requiring no manual operation and incurring no redemption fees or subsequent transaction fees⁵. Up to 50% Stock Rebate  50% Rebate (Limited to the first 30,000 participants)⁶: During the promotion period, users enjoy up to 50% stock rebate on spending in designated merchant categories⁷ at specific times, with a rebate cap of HKD 200 per person:
Nov 2025  Fast-food Restaurants 
Dec 2025   Coffee Shops 
Jan 2026  Transportation 
2% Stock Rebate (Unlimited)⁸：Users enjoy a 2% stock rebate on all eligible transactions during the promotion period. Afterwards, users also enjoy a 1% unlimited stock rebate.  Welcome Offer：During the promotion period, users who enter the invitation code "STOCKBACK" when opening a ZA Bank savings account receive spending rebate coupons worth HKD 200 in total⁹ and an extra 1% stock rebate within 30 days of account opening¹⁰.  Corey Chu, Head of Retail Loan and Card at ZA Bank, said “StockBack x ZA Card is ZA Bank's new interpretation of spending rebate. Through this innovation, we aim to bring our customers unique experience in every purchase. This is precisely the new financial lifestyle that ZA Bank is committed to creating—one that is smarter, more valuable, and makes every dollar spent more meaningful for the long term. Our role is to go the extra mile for our users' future, and we look forward to walking alongside them and growing together. ”  

Companies in this story: ZA Bank

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