China CITIC Bank International

Terms and Conditions for CITICfirst and CITICdiamond Promotion (“Promotion”):

General Terms and Conditions:

Unless specified, the promotion period of these promotions runs from 1 January 2022 to 31 January 2022 (both dates inclusive, “Promotion Period”).
CITICfirst Wealth Management service (“CITICfirst ”) and CITICdiamond Wealth Management service (“CITICdiamond”) are only applicable to personal customers.
CITICfirst customers are required to maintain a daily average Relationship Balance of HK$1,000,000 or above. Or else, China CITIC Bank International (the “Bank”) may suspend or terminate his/her CITICfirst service, or debit the CITICfirst maintenance fee, with or without prior notice to the customers.
CITICdiamond customers are required to maintain a daily average Relationship Balance of HK$4,000,000 or above. Or else, the Bank may suspend or terminate his/her CITICdiamond service with or without prior notice to the customers
Relationship Balance includes the following (whether in sole name or joint names under the same personal identity number):
- Deposit balances of HKD / foreign currency savings accounts and time deposits accounts, HKD / foreign currency current accounts, NOW account and One Account "Deposit"
- Investment portfolio balance of One Account "Investment" including securities, investment funds, bonds, currency-linked deposit, structured deposit, equity-linked investment and structured notes;
- Outstanding loan amount/balance on lending facilities including personal line of credit, installment loans, credit cards and secured overdraft facilities; and
- 10% of the outstanding loan amount on mortgages
The Bank reserves the right to amend, suspend, cancel or terminate these promotions and the whole or any part of the Promotional Terms and Conditions at any time without notice, and shall not bear any responsibility arising out of or in connection with such amendment, suspension, cancellation or termination.
For joint account customers, only the primary account holder is entitled to these promotions.
These promotions are not applicable to all staff of the Bank.
In case of any dispute arising out of or in connection with these promotions, the decision of the Bank shall be final and binding on the Eligible Customer.
Except as otherwise expressly stated in these Promotional Terms and Conditions, no one other than a party to these Promotional Terms and Conditions may enforce any of its terms under the Contracts (Rights of Third Parties) Ordinance, Cap. 623 of the Laws of Hong Kong. Where any clause of these Promotional Terms and Conditions entitles any third party to enforce any term of these Promotional Terms and Conditions under the Contracts (Rights of Third Parties) Ordinance, the parties reserve the right to vary that term or any other term of these Promotional Terms and Conditions without the consent of that third party.
These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region and any dispute arising out or in connection therewith shall be referred to the courts of Hong Kong SAR.
In the event of any inconsistency between the English and Chinese versions of these Promotional Terms and Conditions, the English version shall prevail.

A. Terms and Conditions specific to Total Balance Growth Reward:

Total Balance Growth Reward is only applicable to “New-To-Bank Customer” or “Upgraded Customer” who joins CITICfirst or CITICdiamond during the Promotion Period and fulfills the following requirements (i) – (iv).
1. From the 1st calendar month after joining CITICfirst or CITICdiamond to the date of crediting the Cash Reward:
  - CITICfirst customer should maintain the Total Balance requirement of HK$1,000,000 or above; or
  - CITICdiamond customer should maintain the Total Balance requirement of HK$4,000,000 or above
2. Successfully open a One Account
3. Subscribe eStatement service of Consolidated Statement
4. Successfully log in inMotion
“New-To-Bank Customer” refers to:
1. customer who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank within the 12 months immediately preceding the account opening date of CITICfirst service; or
2. customer who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank within the 12 months immediately preceding the account opening date of CITICdiamond service.
“Upgraded Customer” refers to:
1. customer who is holding current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank before CITICfirst joining date but has not taken up CITICfirst or CITICdiamond service within the 12 months immediately preceding the account opening date of CITICfirst service.
2. customer who is holding current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank before CITICdiamond joining date but has not taken up CITICdiamond or Private Banking service within the 12 months immediately preceding the account opening date of CITICdiamond service.
“Total Balance” includes deposits and investments balance of customer’s all sole name accounts and all joint-name accounts (in which the customer is the primary account holder), as well as the accumulated premiums paid for the life insurance plans distributed by the Bank. Deposits must be funds which are newly placed by a customer and not transferred from any account with the Bank (regardless of whether such account is held by the customer or not).
For non-Hong Kong dollar denominated eligible amount, the relevant amount will be converted into Hong Kong Dollar based on the exchange rate solely determined by the Bank for calculation of the “Total Balance”.
“Total Balance Growth Amount” refers to the net increase when comparing a customer’s average Total Balance of the 1st to 3rd consecutive calendar month after joining CITICfirst or CITICdiamond with the Total Balance on 30 November2021. If customer is a New-To-Bank Customer, his/her Total Balance on 30 November 2021 is regarded as HK$0.

To be entitled to the Cash Reward, New-To-Bank Customer or Upgraded Customer who join CITICfirst or CITICdiamond during the promotion period, should fulfill the requirements under Clause 1 of Section A above, and the Total Balance Growth requirements as per the table shown below ("Eligible Customers"):

Total Balance Growth Amount (HKD or equivalent)	CITICfirst Cash Reward Amount (HKD)	CITICdiamond Cash Reward Amount (HKD)
Every $1,000,000	$2,000 (maximum capped at $16,000)	$2,200 (maximum capped at $22,000)

When calculating the Cash Reward, the Total Balance Growth Amount will be rounded down to the nearest million. For example, if the customer’s Total Balance Growth Amount is HK$2,800,000, the bank will take HK$2,000,000 as the Total Balance Growth Amount.

Where an Upgraded Customer signs up for CITICfirst or CITICdiamond during the Promotion Period and fulfils all the requirements under Clause 1 of Section A except that the Total Balance Growth Amount is HK$0 to below HK$1,000,000, cash reward will still be available to such customer as per the table shown below:

Total Balance Growth Amount (HKD or equivalent)	CITICfirst Cash Reward Amount (HKD)	CITICdiamond Cash Reward Amount (HKD)
$0 to below $1,000,000	$300	$500

If Eligible Customer is entitled to the Total Balance Growth Reward, the Bank will credit the Cash Reward in the specific date as stated in the table show below:

For CITICfirst customer, the Cash Reward will be credited to the valid Hong Kong dollar Account which is assigned for debiting the CITICfirst maintenance fee (“CITICfirst Settlement Account”).

For CITICdiamond customer, the Cash Reward will be credited to the most recently opened Multi-currencies Statement Savings Account (or the most recently opened Current Account if the former is unavailable) in HKD in sole name (“Cash Reward Credit Account”).

Month of joining CITICfirst / CITICdiamond	Date of Total Balance Amount to be compared with	Months of calculating the Total Balance Amount (1st to 3rd calendar months after joining CITICfirst / CITICdiamond)	Date of crediting cash reward (on or before)
January 2022	30 November 2021	February, March & April 2022	15 July 2022

At the time of crediting the CITICfirst Cash Reward, the Eligible Customer should still maintain CITICfirst status, One Account, e-Statement Service of Consolidated Statement, inMotion service, the Total Balance of HK$1,000,000 (or equivalent) or above AND have a valid CITICfirst Settlement Account with the Bank, otherwise the Cash Reward will be forfeited.
At the time of crediting the CITICdiamond Cash Reward, the Eligible Customer should still maintain CITICdiamond status, One Account, e-Statement Service of Consolidated Statement, inMotion service, the Total Balance of HK$4,000,000 (or equivalent) or above AND have a valid Cash Reward Credit Account with the Bank, otherwise the Cash Reward will be forfeited.
Eligible Customer will be entitled to the Total Balance Growth Reward once only during the Promotion Period.

B. Terms and Conditions specific to Customer Referral Reward (“Referral Reward”):

”"Referrer" must be an existing banking customer who is holding current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank.

Referrer will be entitled to Referrer Reward if (i) he/she successfully refers a New-To-Bank Customer (see Clause 2 of Section A for definition) to join CITICfirst or CITICdiamond service during the Promotion Period and (ii) the being referred New-To-Bank Customer must fulfill the Total Balance Growth Reward requirement mentioned in Section A (“Referee”). The referee is required to maintain (i) valid CITICfirst status and Total Balance of HK$1,000,000 or above if referee selected to join CITICfirst ; or (ii) valid CITICdiamond status and Total Balance of HK$4,000,000 or above if referee selected to join CITICdiamond, from the 1st calendar month after joining CITICfirst or CITICdiamond to the date of crediting the Referrer Reward. The Referrer will be rewarded as per the table shown below: (“Referrer Reward”):

	Service applied by Referee
	CITICfirst	CITICdiamond
Referrer Reward (HK$)	For each successful CITICfirst referral HK$800 cash reward (The maximum Referrer Reward for CITICfirst referral is HK$8,000)	For each successful CITICdiamond referral HK$2,000 cash reward (The maximum Referrer Reward for CITICdiamond referral is HK$20,000)

The Referrer Reward will be credited to the Referrer's the most recently opened Multi-currencies Statement Savings Account (or the most recently opened Current Account if the former is unavailable) in HKD in sole name or joint names on or before 15 July 2022. For joint account, only the primary account holder of the joint account is entitled to the Referrer Reward. If the Referrer does not hold any valid HKD account with the Bank at the time of crediting the Referrer Reward, the Referrer Reward will be forfeited.
Referrer of the same eligible New-To-Bank Customer can enjoy the Referrer Reward once only. If the Referrer or the Referee has already enjoyed any referral reward offered by any other promotions of the Bank, the Referrer Reward of this Customer Referral Reward will be cancelled.
Referrer must obtain the consent from Referee(s) before sharing the Referral Reward's information with him/her and providing his/her name(s) and contact details to the Bank. The Bank will not assume any responsibility thereon.
Referee must provide the name of the Referrer on the account opening form upon account opening.
Each referee can be referred by one Referrer only. If the Referee has already became the banking service customer of the Bank when signing up CITICfirst or CITICdiamond, the Referrer cannot be entitled to the Referrer Reward.
Referrers cannot refer themselves as Referees. Referrers and Referees cannot refer each other to become a New-to-Bank customer.

C. Terms and Conditions specific to “CNCBI CITICfirst Platinum Card” Welcome Reward:

The promotion period is from 1 January 2022 to 31 March 2022 (both dates inclusive). Terms and conditions apply. For details, please contact our branch staff or visit: https://www/cncbinternational.com/personal/promotions/integrated-investment/en/tnc.html.

D. Terms and Conditions specific to “Investment Funds Transfer-In Cash Reward” (“Transfer-In Offer”):

E. Terms and Conditions specific to “Up to HK$8,800 Foreign Exchange Cash Rewards” (the “Foreign Exchange Offer”):

F. Terms and Conditions specific to “CNCBI CITICfirst Platinum Card” Welcome Reward:

This promotional reward is only applicable to principal cardmember of CNCBI CITICfirst Platinum Card whose application is submitted and approved between 1 January 2022 and 31 March 2022 (both dates inclusive). The reward is not applicable to any credit card applicant who currently holds or held any other CNCBI credit cards issued by the Bank in the 12-month immediately preceding the relevant application for the credit card (excluding supplementary cardmember). Terms apply. For details, please contact the bank’s branch staff or visit: https://www/cncbinternational.com/personal/promotions/credit-card/en/tc.html.
There is Perpetual Annual Fee Waiver for CNCBI CITICfirst Platinum Card. Annual Percentage Rate (APR) for Retail Purchase 34.49% (Standard Monthly Rate at 2.5%) is applied when you open your account and it will be reviewed from time to time. Other fees and charges apply. Please contact the Bank for details.

G. Terms and Conditions specific to “CNCBI CITICdiamond UnionPay Dual Currency Credit Card” Welcome Reward:

The promotional reward is only applicable to principal cardmember of CNCBI CITICdiamond UnionPay Dual Currency Credit Card whose application is submitted and approved between 1 January 2022 and 31 March 2022 (both dates inclusive). The reward is not applicable to any credit card applicant who currently holds or held any other CNCBI credit cards issued by the Bank in the 12-month immediately preceding the relevant application for the credit card (excluding supplementary cardmember). Terms apply. For details, please contact the bank’s branch staff or visit: https://www.cncbinternational.com/_document/personal/credit-cards/en/2021_q4_dsdcc_welcome_offer_tncs_en.pdf
Perpetual annual fee waiver is offered to CITICdiamond UnionPay Dual Currency Credit Card. Annual Percentage Rate (APR) for Retail Purchase at 34.49% (Standard Monthly Rate at 2.5%) is applied to the HKD account and the RMB account when accounts are opened and it will be reviewed from time to time. Other fees and charges apply. Please contact the bank’s branch staff for details.

This promotional material does not itself constitute an offer of, or an invitation by or on behalf of the Bank to any person to purchase or acquire or invest in any investment products.

China CITIC Bank International Limited is an authorized institution under the Banking Ordinance and is regulated by the Hong Kong Monetary Authority.

This promotional material is issued by China CITIC Bank International Limited. Its contents have not been reviewed by the Securities and Futures Commission in Hong Kong.