【用信用卡買股票】投資兼賺積分 邊張信用卡可以月供股票? - finder Hong Kong
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【用信用卡買股票】投資兼賺積分 邊張信用卡可以月供股票?

(更新日期﹕2021年1月)

今年股市表現較飄忽,唔少散戶都轉為月供股票,月供股票係一種長線投資,以儲優質股票為基本理念。月供股票可以平均成本及節省睇市的時間,但各位有冇諗過原來你仲可以用信用卡月供股票?一邊吸納優質股票,一邊儲信用卡積分,可謂一石二鳥﹗今次阿睥為你搜羅了五間可以用信用卡月供股票的銀行,一齊睇下邊張最著數﹗

可供月供股票的發卡銀行

發卡銀行中國銀行南洋商業銀行集友銀行交通銀行大新銀行
可月供股票數目>160>130>110>60>80
每月最低供款額1000元1000元1000元1000元1000元
基本收費*50元/
供款額的0.25%
50元/
供款額的0.25%
50元/
供款額的0.25%
50元/
供款額的0.25%
38元/
供款額的0.25%
存倉費豁免豁免豁免每月15元每半年收取150元
代收股息費用豁免豁免豁免股息的0.5% /
最低收費30元
股息的0.5% /
最低收費30元
積分兌換比率

1至12個月﹕5:1
13至24個月﹕3:1
24個月以上﹕1:1

1:11:1
每月積分上限10,000分5,000分5,000分

*基本收費已包括佣金、印花稅、交易徵費及交易費

即時賺盡積分之選﹕大新信用卡、交行信用卡

五間銀行之中,如果想即時賺盡最多積分,可以選擇大新信用卡及交通銀行信用卡,因為它們的積分兌換比率不受時間限制,可以立即享有1:1的積分兌換比率,換言之,供款額金額就正正是你所享有的信用卡簽賬積分。相反,中銀、南商及集友信用卡就要月供夠兩年,才可以享有1:1積分兌換比率。舉例說,同樣是用$5000月供某隻股票,用大新信用卡的話,你第一個月便能享有5,000積分,如果是用中銀信用卡,你第一個月則只能享有1,000積分。

大新信用卡推介

大新銀行 ONE+信用卡大新ANA World萬事達卡
dahsing-one+大新ANA World萬事達卡
賣點無上限1%現金回贈所有本地及海外簽賬HK$8 = 1里數
迎新優惠高達HK$800現金回贈或 KB Air Mask 隨身負離子空氣清淨機迎新優惠可享低至HK$0.3=1里數及高達7000迎新里數
月供股票全攻略

留意收費

從上表看,單看基本收費,以大新銀行最抵,只需要$38,而其他銀行則為$50,但要注意的是,除了基本收費所包含的費用之外,還要留意存倉費及代收股息費,中銀就豁免收取這兩項費用。而大新銀行及交通銀行則會收取這兩種費用代收股息費,所以這數間發卡銀行的信用卡月供計劃可謂是各有優劣。

當然,除了可以用信用卡月供股票賺積分之外,亦可以直接開立股票戶口,立即上GoBear比較﹗

伸延閱讀:

function dateISOFormat() { var now = new Date(); var d = new Date(now.getTime() - now.getTimezoneOffset() * 60000).toISOString() return d.split('.')[0] }; var intervals = 10; // Intervals for seconds

function sendGTMButtonDH3() { // add this function to the button as an onclick var purchaseObj = { campaignPageTitle: '2019-05-hk-cc-blog', // campaign page title cardName: '大新銀行 ONE+信用卡', // card name currencyCode: 'HKD', // depends on the country transactionId: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), revenue: '', // Will be input be CMS Manager, or empty product: { name: '大新銀行 ONE+信用卡', // Will be input be CMS Manager id: '1263fc75-0872-4028-aaf5-408da6fb19b8', // Will be input be CMS Manager price: '', // brand: '大新銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 大新銀行 ONE+信用卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '1263fc75-0872-4028-aaf5-408da6fb19b8' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan) prdbrnd: '大新銀行', // Insurer name or bank name prdbrnd_en: '大新銀行', // Will be Insurer english name or bank english name prdid: '1263fc75-0872-4028-aaf5-408da6fb19b8', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: '大新銀行 ONE+信用卡', // Will be plan or card name prdn_en: '大新銀行 ONE+信用卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; dataLayer.push({ 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '大新銀行 ONE+信用卡', // 'id': '1263fc75-0872-4028-aaf5-408da6fb19b8', // Product ID 'price': '', // 'brand': '大新銀行', // Bank name 'variant': 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }); window.postGoBearClickout(gobearDataLayer, intervals); window.open("https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; };function sendGTMButtonZ2() { // add this function to the button as an onclickvar purchaseObj = {campaignPageTitle: '2019-05-hk-cc-blog', // campaign page titlecardName: '大新銀行 大新ANA World萬事達卡', // card namecurrencyCode: 'HKD', // depends on the countrytransactionId: formatTID('8a97c3b6-41e1-4ea0-9881-a528b49b577c'),revenue: '', // Will be input be CMS Manager, or emptyproduct: {name: '大新銀行 大新ANA World萬事達卡', // Will be input be CMS Managerid: '8a97c3b6-41e1-4ea0-9881-a528b49b577c', // Will be input be CMS Managerprice: '', //brand: '大新銀行', // bank name - Will be input be CMS Managercategory: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan)variant: 'Direct - 大新銀行 大新ANA World萬事達卡', // Product Variant (Direct - or Broker - )quantity: '1',dimension7: window.getCookie('sid') + '|' + '8a97c3b6-41e1-4ea0-9881-a528b49b577c' + '|' + dateISOFormat() // same product id as that in id field}};window.postGaPurchaseTag(purchaseObj, intervals);var gobearDataLayer = {tid: formatTID('8a97c3b6-41e1-4ea0-9881-a528b49b577c'),prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan)prdbrnd: '大新銀行', // Insurer name or bank nameprdbrnd_en: '大新銀行', // Will be Insurer english name or bank english nameprdid: '8a97c3b6-41e1-4ea0-9881-a528b49b577c', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product IDprdn: '大新銀行 大新ANA World萬事達卡', // Will be plan or card nameprdn_en: '大新銀行 大新ANA World萬事達卡', // Will be plan or card english nameprdr: '', // Will be the premium or totalsavingcu: 'HKD', // depends on the countryprdv: 'Direct - 大新銀行 大新ANA World萬事達卡', //Product Variant (Direct - or Broker - )dl: 'https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22643491.246914649;dc_trk_aid=443208188;dc_trk_cid=126158753;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout linkts: dateISOFormat(),};dataLayer.push({'event': 'checkout','ecommerce': {'currencyCode': 'HKD', // depends on the country'checkout': {'products': [{'name': '大新銀行 大新ANA World萬事達卡', // 'id': '8a97c3b6-41e1-4ea0-9881-a528b49b577c', // Product ID'price': '', //'brand': '大新銀行', // Bank name'variant': 'Direct - 大新銀行 大新ANA World萬事達卡', //Product Variant (Direct - or Broker - )'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan)'quantity': '1'}]}}});window.postGoBearClickout(gobearDataLayer, intervals);window.open("https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22643491.246914649;dc_trk_aid=443208188;dc_trk_cid=126158753;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user toreturn false;};

,

(更新日期﹕2021年1月)

今年股市表現較飄忽,唔少散戶都轉為月供股票,月供股票係一種長線投資,以儲優質股票為基本理念。月供股票可以平均成本及節省睇市的時間,但各位有冇諗過原來你仲可以用信用卡月供股票?一邊吸納優質股票,一邊儲信用卡積分,可謂一石二鳥﹗今次阿睥為你搜羅了五間可以用信用卡月供股票的銀行,一齊睇下邊張最著數﹗

可供月供股票的發卡銀行

發卡銀行中國銀行南洋商業銀行集友銀行交通銀行大新銀行
可月供股票數目>160>130>110>60>80
每月最低供款額1000元1000元1000元1000元1000元
基本收費*50元/
供款額的0.25%
50元/
供款額的0.25%
50元/
供款額的0.25%
50元/
供款額的0.25%
38元/
供款額的0.25%
存倉費豁免豁免豁免每月15元每半年收取150元
代收股息費用豁免豁免豁免股息的0.5% /
最低收費30元
股息的0.5% /
最低收費30元
積分兌換比率

1至12個月﹕5:1
13至24個月﹕3:1
24個月以上﹕1:1

1:11:1
每月積分上限10,000分5,000分5,000分

*基本收費已包括佣金、印花稅、交易徵費及交易費

即時賺盡積分之選﹕大新信用卡、交行信用卡

五間銀行之中,如果想即時賺盡最多積分,可以選擇大新信用卡及交通銀行信用卡,因為它們的積分兌換比率不受時間限制,可以立即享有1:1的積分兌換比率,換言之,供款額金額就正正是你所享有的信用卡簽賬積分。相反,中銀、南商及集友信用卡就要月供夠兩年,才可以享有1:1積分兌換比率。舉例說,同樣是用$5000月供某隻股票,用大新信用卡的話,你第一個月便能享有5,000積分,如果是用中銀信用卡,你第一個月則只能享有1,000積分。

大新信用卡推介

大新銀行 ONE+信用卡大新ANA World萬事達卡
dahsing-one+大新ANA World萬事達卡
賣點無上限1%現金回贈所有本地及海外簽賬HK$8 = 1里數
迎新優惠高達HK$800現金回贈或 KB Air Mask 隨身負離子空氣清淨機迎新優惠可享低至HK$0.3=1里數及高達7000迎新里數
月供股票全攻略

留意收費

從上表看,單看基本收費,以大新銀行最抵,只需要$38,而其他銀行則為$50,但要注意的是,除了基本收費所包含的費用之外,還要留意存倉費及代收股息費,中銀就豁免收取這兩項費用。而大新銀行及交通銀行則會收取這兩種費用代收股息費,所以這數間發卡銀行的信用卡月供計劃可謂是各有優劣。

當然,除了可以用信用卡月供股票賺積分之外,亦可以直接開立股票戶口,立即上GoBear比較﹗

伸延閱讀:

function dateISOFormat() { var now = new Date(); var d = new Date(now.getTime() - now.getTimezoneOffset() * 60000).toISOString() return d.split('.')[0] }; var intervals = 10; // Intervals for seconds

function sendGTMButtonDH3() { // add this function to the button as an onclick var purchaseObj = { campaignPageTitle: '2019-05-hk-cc-blog', // campaign page title cardName: '大新銀行 ONE+信用卡', // card name currencyCode: 'HKD', // depends on the country transactionId: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), revenue: '', // Will be input be CMS Manager, or empty product: { name: '大新銀行 ONE+信用卡', // Will be input be CMS Manager id: '1263fc75-0872-4028-aaf5-408da6fb19b8', // Will be input be CMS Manager price: '', // brand: '大新銀行', // bank name - Will be input be CMS Manager category: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) variant: 'Direct - 大新銀行 ONE+信用卡', // Product Variant (Direct - or Broker - ) quantity: '1', dimension7: window.getCookie('sid') + '|' + '1263fc75-0872-4028-aaf5-408da6fb19b8' + '|' + dateISOFormat() // same product id as that in id field } }; window.postGaPurchaseTag(purchaseObj, intervals); var gobearDataLayer = { tid: formatTID('1263fc75-0872-4028-aaf5-408da6fb19b8'), prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan) prdbrnd: '大新銀行', // Insurer name or bank name prdbrnd_en: '大新銀行', // Will be Insurer english name or bank english name prdid: '1263fc75-0872-4028-aaf5-408da6fb19b8', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product ID prdn: '大新銀行 ONE+信用卡', // Will be plan or card name prdn_en: '大新銀行 ONE+信用卡', // Will be plan or card english name prdr: '', // Will be the premium or totalsaving cu: 'HKD', // depends on the country prdv: 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) dl: 'https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout link ts: dateISOFormat(), }; dataLayer.push({ 'event': 'checkout', 'ecommerce': { 'currencyCode': 'HKD', // depends on the country 'checkout': { 'products': [{ 'name': '大新銀行 ONE+信用卡', // 'id': '1263fc75-0872-4028-aaf5-408da6fb19b8', // Product ID 'price': '', // 'brand': '大新銀行', // Bank name 'variant': 'Direct - 大新銀行 ONE+信用卡', //Product Variant (Direct - or Broker - ) 'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan) 'quantity': '1' }] } } }); window.postGoBearClickout(gobearDataLayer, intervals); window.open("https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22789712.248012347;dc_trk_aid=444274047;dc_trk_cid=116892385;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user to return false; };function sendGTMButtonZ2() { // add this function to the button as an onclickvar purchaseObj = {campaignPageTitle: '2019-05-hk-cc-blog', // campaign page titlecardName: '大新銀行 大新ANA World萬事達卡', // card namecurrencyCode: 'HKD', // depends on the countrytransactionId: formatTID('8a97c3b6-41e1-4ea0-9881-a528b49b577c'),revenue: '', // Will be input be CMS Manager, or emptyproduct: {name: '大新銀行 大新ANA World萬事達卡', // Will be input be CMS Managerid: '8a97c3b6-41e1-4ea0-9881-a528b49b577c', // Will be input be CMS Managerprice: '', //brand: '大新銀行', // bank name - Will be input be CMS Managercategory: 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan)variant: 'Direct - 大新銀行 大新ANA World萬事達卡', // Product Variant (Direct - or Broker - )quantity: '1',dimension7: window.getCookie('sid') + '|' + '8a97c3b6-41e1-4ea0-9881-a528b49b577c' + '|' + dateISOFormat() // same product id as that in id field}};window.postGaPurchaseTag(purchaseObj, intervals);var gobearDataLayer = {tid: formatTID('8a97c3b6-41e1-4ea0-9881-a528b49b577c'),prdc: 'credit card', // Will be one of below types(car, travel, health, personal-loan, credit-card, home-loan)prdbrnd: '大新銀行', // Insurer name or bank nameprdbrnd_en: '大新銀行', // Will be Insurer english name or bank english nameprdid: '8a97c3b6-41e1-4ea0-9881-a528b49b577c', // if is the product in DMS, we will use the product ID from DMS; if the product is not in DMS, we can use our own product IDprdn: '大新銀行 大新ANA World萬事達卡', // Will be plan or card nameprdn_en: '大新銀行 大新ANA World萬事達卡', // Will be plan or card english nameprdr: '', // Will be the premium or totalsavingcu: 'HKD', // depends on the countryprdv: 'Direct - 大新銀行 大新ANA World萬事達卡', //Product Variant (Direct - or Broker - )dl: 'https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22643491.246914649;dc_trk_aid=443208188;dc_trk_cid=126158753;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=', // checkout linkts: dateISOFormat(),};dataLayer.push({'event': 'checkout','ecommerce': {'currencyCode': 'HKD', // depends on the country'checkout': {'products': [{'name': '大新銀行 大新ANA World萬事達卡', // 'id': '8a97c3b6-41e1-4ea0-9881-a528b49b577c', // Product ID'price': '', //'brand': '大新銀行', // Bank name'variant': 'Direct - 大新銀行 大新ANA World萬事達卡', //Product Variant (Direct - or Broker - )'category': 'credit card', // Product Category (travel, car, health, credit card, personal loan, cashcard, home loan)'quantity': '1'}]}}});window.postGoBearClickout(gobearDataLayer, intervals);window.open("https://ad.doubleclick.net/ddm/trackclk/N1025300.2278306GOBEAR/B22643491.246914649;dc_trk_aid=443208188;dc_trk_cid=126158753;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="); // the link where we will redirect user toreturn false;};

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