ZA Bank transforms spending rewards with ‘stockback’ card

ZA Bank has launched a campaign to promote "StockBack x ZA Card", a Visa card that boldly reimagines the traditional cash back or miles model by offering stock rewards on daily spending.

Available until March 2026, the campaign aims to introduce a new way to reward spending in Hong Kong by offering stock rebates instead of cash back or air miles, positioning ZA Bank as a lifestyle-driven, customer-focused fintech innovator.

A spokesperson from ZA Bank told MARKETING-INTERACTIVE that the campaign targets digitally savvy, finance-curious individuals who are seeking smarter, more meaningful ways to manage and grow their money.

The campaign is entirely conceptualised and executed by ZA Bank’s internal marketing team, encompassing strategy, creative, media, and partnerships.

Believing that traditional spending rewards in the market are dominated by cash back or travel miles, ZA Bank has introduced a new model that provides a “Get StockBack on every purchase” rewards experience. This initiative aims to fuse spending with investment and redefine users' perceptions of card rewards.

Users simply use their StockBack x ZA Card for eligible transactions, giving them the opportunity to receive stocks as a rebate. Every essential expense is rewarded with real stocks, which are automatically and regularly credited to the user's investment account.

To drive virality, brand affinity, and organic conversation, the campaign has strategically leveraged cultural phenomena and employed real-time marketing. For example, when local KOL SiuC made headlines for purchasing a HK$140 million property, the campaign launched a tactically timed ad within hours: “Behind every successful KOL is the right card.”

This approach was not merely reactive; it was strategically aligned with the campaign’s core message of empowering better financial decisions through smarter tools, according to the spokesperson. “This approach exemplifies our belief that marketing should move at the speed of culture, with insight, not just instinct.”

Furthermore, the campaign has collaborated with influencers such as Mr. Miles and SiuC—trusted voices in the market—to translate the product’s benefits into relatable, lifestyle-driven narratives.

The campaign is also promoted through press releases and native branded content across media platforms such as HK01, Weekend Weekly, and U Lifestyle. It has also employed social-first storytelling via Instagram, Facebook, and YouTube Shorts, along with in-app banners on the ZA Bank.

Corey Chu, head of retail loan and card, ZA Bank, said: “StockBack x ZA Card is a new way of thinking about spending rewards. Every transaction becomes a step toward long-term value — and that’s the kind of financial lifestyle we want to create.”

Don’t miss: ZA Bank promotes stock giveaway campaign with OOH advertising

Back in November last year, ZA Bank launched a campaign to democratise stock investments for everyone, alongside a range of outdoor advertising placements, including LED walls, billboards, and bus shelters.

Calvin Ng, chief executive officer, ZA Bank, told MARKETING-INTERACTIVE that the campaign was designed to democratise stock investments for all. The “Magnificent 7” included some of the most influential tech giants, including Apple, Microsoft, Google, Amazon, NVIDIA, Meta, and Tesla.

Related articles:

ZA Bank promotes stock giveaway campaign with OOH advertising
ZA Bank and JD.com celebrate November shopping spree with mega deals
ZA Bank promotes widespread use of NFTs with DOUBLE DUCKS-themed promotional events