Welcome to the China CITIC Bank International.

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Cash-In Installment Program

Instant Cash Interest-Free

Cash when you need it is now as easy as making a phone call.

Personalized Monthly Administration Fee as low as 0.18% of the approved amount

CNCBI Credit Card Cash-In Installment Program helps to implement your plans with ease! With the program, you can convert your credit card’s available credit limit into instant cash, depositing it into the specified account at a personalized monthly administration fee as low as HK$181.

Cash-In Installment Program

  • No documents required for approval, easy and convenient
  • HK$0 Interest2
  • Enjoy repayment tenor of up to 60 months3


1. The calculation of the HK$18 monthly administration fee is based on an approved amount of HK$10,000, a personalized monthly administration fee charged at 0.18% and a 12-month repayment period. The Annualized Percentage Rate (APR) of the above approved amount at 0.18% personalized monthly administration fee charged is 4.04%. APR is calculated according to the Net Present Value Method as set out in the Code of Banking Practice. The personalized monthly administration fee is applicable to selected customers and is for reference only. China CITIC Bank International Limited reserves the right at its sole discretion on determining the monthly administration fee from time to time for individual promotion. Please call Credit Card Customer Service Hotline 2280 1288 to check for the personalized monthly administration fee.

2. Should the Cardmember fail to make full payment of the statement balance specified in the relevant monthly statement of the credit card account on or before the payment due date, interest shall accrue on the outstanding balance of the credit card account (including the monthly installment stated therein) and applicable charges and fees will be levied pursuant to the relevant Cardmember Agreement.

3. Installment period of 12 months, 24 months, 36 months, 48 months and 60 months are available for selection.

Promotional Terms and Conditions

FAQ for Cash-in Installment Program

  • Reminder: To borrow or not to borrow?
    Borrow only if you can repay!

Ready to Apply?

  • Apply online
  • Call us at 2280 1288
    (press 8 after language selection)
Ways To Bank With Us

Be served by our professional staff at our branches, or opt for self-service banking via our automated channels — the choice is yours.


We offer a range of rewarding careers from trainee to management level.

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Tap into the vast resources and network of our parent bank China CITIC Bank and our ultimate shareholder, CITIC Group Corporation.

Essential links

China CITIC Bank International is:

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