China CITIC Bank International

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From 1 January to 2 April 2024, New Cardmembers1 who successfully apply for CNCBI GBA Dual Currency Credit Card can enjoy 10% Cash Rebate on spending in foreign currency or HK$600 Cash Rebate:

Welcome Offers to choose 1 from 2
10% Cash Rebate on spending in foreign currencies2
New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies (include RMB) made with the GBA Dual Currency Credit Card in the first 3 months starting from the card issuance month ( “Spending Period” ), subject to a maximum of HK$1,000 Cash Rebate during the Spending Period, together with the 4% Mobile Wallet and RMB Spending Cash Rebate, 1% Cash Rebate on JD.com transactions, you can get up to 15% Cash Rebate in total.
How to earn 15% Cash Rebate
Spending Category Welcome offer of Foreign Currency Spending Cash Rebate Mobile Wallet and RMB Spending Cash Rebate Cash Rebate on JD.com transactions Total Cash Rebate
Mobile Wallet Spending N/A 4% N/A 4%
Renminbi Spending 10% 4% N/A 14%
JD.com Spending in RMB 10% 4% 1% 15%
or
HK$600 Cash Rebate
New Cardmembers who make retail transactions3 with CNCBI GBA Dual Currency Credit Card with the accumulated amount of HK$6,000 in the first 2 months starting from the card issuance month can enjoy HK$600 Cash Rebate.
First Year Annual Fee Waiver

Apply Online

 

Remarks:

  1. New Cardmembers are applicants who do not currently hold and have not cancelled any principal card of CNCBI Credit Card issued by the Bank in the past 12 months from the date of approval of their current applications for a principal card of the Eligible Credit Card.
  2. Eligible spending in foreign currencies include posted retail and online transactions settled in any non-Hong Kong dollars.
  3. Eligible Retail Transactions including local and overseas retail spending and merchant installment plan, online retail transaction(s) and retail transaction(s) incurred by way of mail/phone order(s).
^ Mobile Wallet refer to WeChat Pay (HK Wallet) and Union Pay App Payment

The above photos, details and reference price are for reference only. The offers are subject to applicable terms and conditions. Please refer to the terms and conditions for details.

All year round up to 5% Cash Rebate on Mobile Wallet^, JD.com and RMB Spending

From now till 31 December 2024, enjoy up to 5% cash rebate on eligible Mobile Wallet, JD.com and RMB Spending by CNCBI GBA Dual Currency Credit Card. cash rebate on eligible Mobile Wallet and RMB Spending by CNCBI GBA Dual Currency Credit Card.

^Mobile Wallet refer to Wechat Pay (HK Wallet) and Union Pay App Payment

Key Features and Benefits



Remarks: The offers are subject to applicable terms and conditions. Please refer to the terms and conditions for details.
 
1. The Promotion Period of Mobile Wallet and RMB Spending Promotional Offer is valid from 1 January 2024 till 31 December 2024 (both dates inclusive) (the "Promotion Period"). Up to 4% Cash Rebate on Mobile Wallet and RMB Spending is only applicable to principal cardmember of the CNCBI GBA Dual Currency Credit Card ("DCC Credit Card").
2. Up to 4% Cash Rebate on Mobile Wallet and RMB Spending includes i) 0.5% Basic Cash Rebate under "CNCBI Dual Currency Credit Card Cash Rebate" Rewards Program ("Basic Cash Rebate") and ii) 3.5% Extra Mobile Payment and/or RMB Spending Cash Rebate under Mobile Wallet and/or RMB Spending Promotional Offer ("Mobile Wallet and RMB Spending Cash Rebate"). The maximum amount of the monthly Basic Cash Rebate (calculated on credit card statement cycle basis) shall be the multiple of the Cardmember's combined credit limit of Dual Currency Credit Card as approved by the Bank ("Combined Credit Limit") and the Basic Cash Rebate percentage. The Basic Cash Rebate will be calculated on the relevant statement date of the monthly card statement and to be credited to Cardmember’s Designated Credit Card account and be shown in next monthly statement. Cardmembers are entitled to a maximum of HK$100 per transaction and a maximum of HK$500 per calendar month Spending Cash Rebate within the Promotion Period.
3. Eligible Spending refers to any transactions conducted by the Eligible Credit Card with official payment records and posted on the Bank’s system during the Promotion Period.
  1. Eligible RMB Spending are any retail or online retail transactions posted in Renminbi currency (based on the currency posted on the credit card statement).
  2. Eligible Mobile Wallet refers to Wechat Pay (HK Wallet) (“Wechat Pay”) and UnionPay App Mobile Payment.
    (i) Eligible Wechat Pay refers to transactions conducted by Wechat Pay HK wallet, bill payment conducted by Wechat Pay is NOT eligible to the Mobile Payment and/or RMB Spending Cash Rebate.
    (ii) Eligible UnionPay App Mobile Payment Spending refers to any transactions conducted by Consumer Presented QR code mode in UnionPay App. For the avoidance of doubt, Merchant Presented QR code mode in UnionPay App, transportation payment via UnionPay App or E-commerce/online transactions conducted in UnionPay App will not be qualified as Eligible UnionPay App Mobile Payment Spending.
  3. RMB spending and UnionPay App Mobile Payment spending will be calculated once if the transactions posted in Renminbi currency and conducted by Consumer Presented QR code mode. Whether a transaction is an Mobile Payment and RMB Spending shall be determined at the sole and absolute discretion of the Bank.

Terms and Conditions of CNCBI Credit Card JD Promotion Offers

  1. The Offer applies to customers holding CITICdiamond UnionPay Dual Currency Credit Card and GBA Dual Currency Credit Card ("Eligible Credit Card") issued by China CITIC Bank International Limited ("the Bank").Customers holding any of the Eligible Credit Cards shall be referred to as “Cardmembers” below.
  2. The promotion period is from 1 January 2024 to 31 December 2024, both dates inclusive. ("Promotion Period")
  3. Cardmembers who make Eligible Spending (as described in Clause 5) with Eligible Credit Card at JD.COM, including Mobile Site JD.com, PC Site JD.com, WeChat JD.com Selection, Mobile App QJD shopping ("Eligible JD.COM spending") can enjoy 1% cash rebate on posted spending made within the same calendar month (calculated with reference to the transaction dates) Cardmembers are entitled to a maximum of HK$100 per calendar month spending at JD.COM Cash Rebate within the Promotion Period.
  4. Renminbi Spending Cash Rebate will be calculated in HK$ and based on Eligible Renminbi Spending(as described in Clause 5) of each calendar month and to be credited to Cardmember’s Eligible Credit Card HK$ account within 3 months after each calendar month’s spending period and be shown in monthly statement. The amount of Eligible Renminbi Spending will be calculated as CNY1 equal to HK$1.
  5. Eligible Spending refers to any transactions conducted by the Eligible Credit Card with official payment records and posted on the Bank’s system during the Promotion Period. Eligible Renminbi Spending are any retail or online transactions posted in Renminbi currency (based on the currency posted on the credit card statement).
  6. Offer is subject to availability and are available while stocks/quota last.
  7. All relevant goods and services provided by JD.COM Merchant Offer under the Offer are the sole responsibilities of the Merchant for which the Bank assumes no responsibility, obligation or liability whatsoever.
  8. Offer is subject to the Merchant’s terms and conditions. Please refer to the Merchant for details.
  9. The use of any Eligible Credit Card is subject to the relevant CNCBI Cardmember Agreement and relevant terms and conditions of all other applicable prevailing promotions offered by the Bank. For details please refer to www.cncbinternational.com.
  10. The Bank and the Merchant reserve the right to amend, suspend, cancel or terminate the whole or any part of the Terms and Conditions of the Offer at any time without notice, and shall not bear any responsibility arising out of or in connection with such amendment, suspension, cancellation or termination.
  11. In case of disputes arising out of this Offer, the decision of the Bank and the Merchant shall be final and conclusive.
  12. Fraud and abuse will result in forfeiture of a Cardmember’s eligibility to the Offer in this Promotion as well as cancellation of the Cardmember’s Eligible Credit Card(s). The Bank further reserves the right to deduct the relevant amount of the Offer in this promotion directly from the Eligible Credit Card without prior notice.
  13. Except as otherwise expressly stated in these Terms and Conditions, no one other than a party to these Terms and Conditions may enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance, Cap. 623 of the Laws of Hong Kong. Where any clause of these Terms and Conditions entitles any third party to enforce any term of these 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 Terms and Conditions without the consent of that third party.
  14. 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.
  15. The English version of the Terms and Conditions shall prevail in the case of any inconsistency between the English version and the Chinese version.

The above photos, details and reference price are for reference only. The offers are subject to applicable terms and conditions. Please refer to the terms and conditions for details.

 

From 1 October 2022 to 31 December 2023, Enjoy extra 1% Cash Rebate^ with CNCBI CITICdiamond UnionPay Dual Currency Credit Card and CNCBI GBA Dual Currency Credit Card on every purchase at JD.COM and enjoy fabulous offers with discount Coupon and Shipping Voucher by JD.com.

^ Cardmembers are entitled to a maximum of HK$100 per calendar month spending at JD.COM Cash Rebate within the Promotion Period.

 

Offer 1. Extra 1% Cash Rebate on JD.COM spending

Offer 2. Exclusive Fabulous Offer by JD.COM

New Customer to JD.com

Discount Coupon value
up to RMB 246
Existed Customer to JD.com

Discount Coupon value
up to RMB 468

Terms and Conditions of JD.COM Privileges
1. New Customers refer to new users who have never placed an order on JD.com with a delivery address outside mainland China. After placing an order, they will be regarded as Existed Customers. A New Customer across all platforms, including Mobile Site JD.com, PC Site JD.com, WeChat JD.com Selection, Mobile App QJD shopping, can receive one New Customer Coupon only during the Program Period. Customers with same account number, same ID number, same mobile phone number, same bank card number, or same terminal device are regarded as the same customer.
2. Existed Customer Coupon can be claimed by each Existed Customer once each calendar month during the Program Period.
3. The shipping voucher can be redeemed for orders with delivery addresses in Hong Kong, Macau, Taiwan and overseas regions only, and for JD.COM self-owned goods which do not include any goods sold by third party merchants on JD.com only, some special products are not applicable. Please refer to the details in the shipping voucher description.
4. The coupons are only valid in the calendar month when the coupons are claimed.
5. The coupons are daily distributed. Limited number of coupons are provided and claimed on a first-come-first-served basis.
6. The coupons are not resalable or non-transferable.
7. The coupon cannot be exchanged with cash, sold, shared or used for other purposes. Once found and verify the coupons are used inappropriately, the coupon will be invalidated.
8. Once the coupon is redeemed, it cannot be withdrawn or reused for whatsoever reason.In the event of return or refund of any eligible purchase, the redeemed coupon will be forfeited and not be refunded to Cardmembers.
9. JD.com’s distributors cannot use any type of coupon to place an order, otherwise JD.com has the right to cancel the order.
10. Cardmembers need to abide by the terms and conditions of JD.com, and JD.com reserves the right of final interpretation of the terms and conditions.

The above offer is solely provided by JD.COM. Terms and Conditions apply.

Terms and Conditions of CNCBI Credit Card JD Promotion Offers
  1. The Offer applies to customers holding CITICdiamond UnionPay Dual Currency Credit Card and GBA Dual Currency Credit Card ("Eligible Credit Card") issued by China CITIC Bank International Limited ("the Bank").Customers holding any of the Eligible Credit Cards shall be referred to as “Cardmembers” below.
  2. The promotion period is from 1 October 2022 to 31 December 2023, both dates inclusive. ("Promotion Period")
  3. Cardmembers who make Eligible Spending (as described in Clause 5) with Eligible Credit Card at JD.COM, including Mobile Site JD.com, PC Site JD.com, WeChat JD.com Selection, Mobile App QJD shopping ("Eligible JD.COM spending") can enjoy 1% cash rebate on posted spending made within the same calendar month (calculated with reference to the transaction dates) Cardmembers are entitled to a maximum of HK$100 per calendar month spending at JD.COM Cash Rebate within the Promotion Period.
  4. Renminbi Spending Cash Rebate will be calculated in HK$ and based on Eligible Renminbi Spending(as described in Clause 5) of each calendar month and to be credited to Cardmember’s Eligible Credit Card HK$ account within 3 months after each calendar month’s spending period and be shown in monthly statement. The amount of Eligible Renminbi Spending will be calculated as CNY1 equal to HK$1.
  5. Eligible Spending refers to any transactions conducted by the Eligible Credit Card with official payment records and posted on the Bank’s system during the Promotion Period. Eligible Renminbi Spending are any retail or online transactions posted in Renminbi currency (based on the currency posted on the credit card statement).
  6. Offer is subject to availability and are available while stocks/quota last.
  7. All relevant goods and services provided by JD.COM Merchant Offer under the Offer are the sole responsibilities of the Merchant for which the Bank assumes no responsibility, obligation or liability whatsoever.
  8. Offer is subject to the Merchant’s terms and conditions. Please refer to the Merchant for details.
  9. The use of any Eligible Credit Card is subject to the relevant CNCBI Cardmember Agreement and relevant terms and conditions of all other applicable prevailing promotions offered by the Bank. For details please refer to www.cncbinternational.com.
  10. The Bank and the Merchant reserve the right to amend, suspend, cancel or terminate the whole or any part of the Terms and Conditions of the Offer at any time without notice, and shall not bear any responsibility arising out of or in connection with such amendment, suspension, cancellation or termination.
  11. In case of disputes arising out of this Offer, the decision of the Bank and the Merchant shall be final and conclusive.
  12. Fraud and abuse will result in forfeiture of a Cardmember’s eligibility to the Offer in this Promotion as well as cancellation of the Cardmember’s Eligible Credit Card(s). The Bank further reserves the right to deduct the relevant amount of the Offer in this promotion directly from the Eligible Credit Card without prior notice.
  13. Except as otherwise expressly stated in these Terms and Conditions, no one other than a party to these Terms and Conditions may enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance, Cap. 623 of the Laws of Hong Kong. Where any clause of these Terms and Conditions entitles any third party to enforce any term of these 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 Terms and Conditions without the consent of that third party.
  14. 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.
  15. The English version of the Terms and Conditions shall prevail in the case of any inconsistency between the English version and the Chinese version.

Handling Fee Waiver for Overseas Spending

Make your shopping more fun and rewarding with handling fee waiver for spending made in mainland China and overseas.

UnionPay Diamond Card Privileges

Travel Privileges

1. LoungeKey Greater China Airport Lounge Benefit

3 times LoungeKey Airport Lounge visits with your family and friends upon fulfilment of spending requirement, covers more than 130 airport lounges over the world

2. Designated Airport Limousine Transfer Services

Enjoy designated airport limousine transfer services at an exclusive rate of HK$250 per trip by accumulating at least HK$3,000 with no more than two single eligible transactions


Remarks:
Unless otherwise specified, the above offers are valid from now till 31 December 2024.
The above offers are provided by UnionPay International Company Limited and terms and conditions apply. Further more UnionPay Diamond Card Privileges, please click here for details.

Mobile Wallet 

CNCBI GBA Dual Currency Credit Card supports UnionPay APP, which offers you a more flexible way in mobile payments; let you experience a simple, secure and convenient credit card payment. Please click here for details.

Welcome Offer Up to 15% Cash Rebate
on eligible Mobile Payment, JD.com and RMB Spending
Terms and Conditions of Welcome Offer Promotion
Terms and Conditions of Mobile Wallet and RMB Spending Promotional Offer
Key Facts Statement / CNCBI Credit Card Fees and Charges

Risk Disclosure Statements for Foreign Exchange
Foreign currency investments are subject to exchange rate risk which may result in gain or loss. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into HKD or other foreign currencies. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

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

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