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Join CITICdiamond to enjoy fabulous offers up to HK$281,800*

Confidence to Progress

From now to 31 March 2023, join CITICdiamond to enjoy fabulous offers!

Apply via inMotion App in just a few steps
Account Opening Hotline: 2287 6766 (Press * after language selection)


* Assuming the New-to-bank customer registers for MONOPOLY Deposit and deposits new funds of HK$10 million on 3 January 2023 until 30 April 2023 to enjoy a bonus interest of up to HK$153,140, if customer deposit the relevant new funds after January, the interest rate will be changed. Together with “Total Balance Growth Reward”, “Customer Referral Reward”, other product / service rewards, and upon completion of designated transactions, application and/or related requirements, the total rewards can be up to HK$281,800 (or its equivalent). Terms and conditions apply. Please refer to the Bank’s webpage or contact branch staff for details.



From 9 January to 31 March 2023, CITICdiamond customer can enjoy 2 complimentary vaccinations (Comirnaty bivalent vaccination (1 dose) and Hepatitis B vaccination (3 doses)), or a complimentary health check-up plan (value: HK$3,000) upon register Monopoly Deposit (with eligible new fund of HK$4,000,000 or above), apply new Life Insurance Policy Financing Facility# (with a loan amount of HK$4,000,000 or above), and successful application and activation of CNCBI GBA Dual Currency Credit Card / CNCBI CITICdiamond UnionPay Dual Currency Credit Card.

Terms and conditions apply. Please click here for details and the relevant disclaimers.

#Premium Refinancing only. Submit an application for Life Insurance Policy Financing Facility at the loan amount of HK$4,000,000 or above (or an equivalent amount in US Dollar) together with all the required documents at branch and successfully drawdown the Life Insurance Policy Financing Facility on or before 30 June 2023.

CITICdiamond Welcome Reward up to HK$14,500 Cash Reward1,2

CITICdiamond new customer enjoys up to HK$12,000 cash reward when Total Balance Growth reaches designated amount!

Total Balance Growth Cash Reward Amount (HK$)
Total Balance Growth Amount
(HK$ or equivalent)
New-To-Bank Customer Upgraded Customer
$8,000,000 or above $12,000 $11,500
$6,000,000 to below $8,000,000 $7,500 $7,000
$4,000,000 to below $6,000,000 $5,500 $5,000
$3,000,000 to below $4,000,000 - $4,000
$200,000 to below $3,000,000 - $300

 

What’s more, eligible customer of Total Balance Growth Cash Reward will additionally enjoy up to HK$2,500 cash reward when his/her Investment Portfolio Balance reaches designated amount!3,4

Investment Portfolio Balance Amount (HK$ or equivalent) Additional Cash Reward Amount (HK$)
$500,000 or above $2,500
$100,000 or below $500,000 $500


Notes:

  1. To be eligible to Total Balance Growth Reward and Additional Cash Reward, customer needs to successfully open an One Account, register eStatement service of Consolidated Statement, download inMotion mobile app and successfully login at least once, and maintain the monthly Total Balance of at least HK$4,000,000 (or equivalent) from the 1st calendar month after joining CITICdiamond to the date of crediting the Cash Reward.
  2. “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 CITICdiamond with the Total Balance on 30 November 2022. If customer is a New-To-Bank Customer, his/her Total Balance on 30 November 2022 is regarded as HK$0.
  3. Additional Cash Reward is only applicable to Eligible Customers who receive Total Balance Growth Cash Reward.
  4. If customer becomes CITICdiamond customer in January 2023, the Investment Portfolio Balance is his/her One Account “Investment” account balance on 30 April 2023. If customer becomes CITICdiamond customer in February 2023, the Investment Portfolio Balance is his/her One Account “Investment” account balance on 31 May 2023. If customer becomes CITICdiamond customer in March 2023, the Investment Portfolio Balance is his/her One Account “Investment” account balance on 30 June 2023.


CITICdiamond Combo Offer* – HK$1,500 Cash Reward

New-to-Bank or Upgraded CITICdiamond customer enjoys Combo Offer HK$1,500 cash reward when registered and placed MONOPOLY Deposit as well as completed of Eligible FX Transaction with minimum amount of HK$10,000 (or equivalent) via inMotion during the Promotion Period reached of an accumulated amount of HK$1,000,000* or above (or its equivalent).

* The offer is only applicable to customer who has not registered MONOPOLY Deposit and has not traded any FX transactions with the Bank within the 12 months immediately preceding the joining month of CITICdiamond service.



CITICdiamond Appointment Offer

Eligible New CITICdiamond customers contact his/her Relationship Manager within 2 months from the join date of CITICdiamond to make meeting appointment at branch, can entitle the following offer according to his/her Total Balance Growth Amount as below^:

Total Balance Growth Amount
(HK$ or equivalent)
Rewards
$8,000,000 or above
The Butterfly Room Afternoon Tea for Two with Champagne at Rosewood
Hong Kong
(valued at HK$1,625)
$4,000,000 - below $8,000,000
Artisanal Afternoon Tea Set for Two at Artisan Lounge
(valued at HK$911)

^ Appointment Offer is available on a first-come-first-served basis, while stock last.


CITICdiamond Investment Offer up to HK$95,300 Reward

Investment Transactions5 HK$1,000 cash reward for every accumulated Eligible Transaction Amount of HK$500,000 (or equivalent); maximum cash reward is capped at HK$20,000
Investment Funds Transfer-In HK$300 cash reward for every accumulative fund transfer-in of HK$100,000 (or equivalent); maximum cash reward is capped at HK$12,000
Investment Funds6 0% Subscription Fee Offer for Investment Funds (excluding Money Market Fund) via inMotion or Internet Banking. Maximum waive of subscription fee amount is capped at HK$5,000
Securities Open a new One Account to enjoy 6 months $0 brokerage commission for unlimited BUY trades of Hong Kong and U.S. stocks as well as China A-shares via inVest and inMotion
Equity Linked Products7 Successfully complete the subscription of the selected Eligible Equity Linked Product(s) including Equity-Linked Investments (“ELI”) and Structured Notes (“SN”, also known as Private Placement Note, “PPN”, only available to professional investors.), to enjoy additional 1-month coupon distribution of 8.88% p.a.8
Foreign Exchange Up to HK$300 Cash Rewards for inMotion Foreign Exchange transactions9
Currency Linked Deposit 50% Bonus Interest Rewards for Foreign Exchange Currency Linked Deposit; maximum rewards is capped at HK$8,00010
Structured Deposit Extra One-month Interest Rewards for Foreign Exchange Structured Deposit; maximum rewards is capped at HK$50,00011

 

  1. Only applicable to customers who did not subscribe / set up one or more Eligible Investment Products with the Bank from 1 Jan 2022 to 31 Dec 2022. Eligible Investment Products refer to Investment Funds (excluding Money Market Fund), Robo 360 Advisory Service, Bonds (excluding Retail Bond) and Equity-Linked Investments (“Eligible Investment Products”).
  2. Only applicable to customers who have not subscribed any Investment Funds from 1 Jan 2022 to 31 Dec 2022. This offer cannot be used in conjunction with the offer for Investment Transactions.
  3. Only applicable to customers who have not subscribed any eligible Equity Linked Products with the Bank from 18 December 2021 to 17 December 2022.
  4. 8.88%p.a. is equivalent to 0.74% per month.
  5. Only applicable to customers who did not trade any FX transactions with the Bank from 1 Jan 2022 to 31 Dec 2022.
  6. “Bonus Interest Rewards” is calculated by the Contracted Deposit Rate (p.a.) and tenor of Eligible Currency Linked Deposit.
  7. “Interest Rewards” is calculated by the interest rate stated on the Product Term Sheet of Eligible Structure Deposit. If the Product Term Sheet of Eligible Structured Deposit involved Higher and Lower Interest Rate, the Interest Reward will be calculated by the Lower Interest Rate.

Deposit Offer

Deposit eligible new funds and register for MONOPOLY Deposit to enjoy a Bonus Interest Rate of up to 7.28% p.a.* [Details]

* Customers should register Monopoly Deposit and the eligible new fund should at least reach the requirement of HK$10,000 once on any business day during the Registration Period to enjoy Monopoly bonus interest rate.


CITICdiamond Credit Card Offer

HK$800 Cash Rebate for applying for CNCBI CITICdiamond UnionPay Dual Currency Credit Card

Note: Not applicable to any Cardmember who currently holds or has cancelled any CNCBI credit cards (excluding supplementary Cardmember) issued by the Bank in the 12-month immediately preceding the relevant application for the credit card. An accumulating Eligible Transactions for the total net amount of HK$10,000 or above within the first 3 months of Card issuance is required.

[Key Facts Statement]

CITICdiamond Customer Referral Offer up to HK$15,000 Cash Reward

  Cash Reward
Referrer For each successful referral - HK$1,500 cash reward
(Each Referrer can enjoy up to HK$15,000 cash reward)

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

Promotion terms and conditions apply. For details, please click here for the promotion terms and conditions or contact our branch staff.

Enquiry & Account Opening Hotline: 2287 6766

 

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Important Note:
Some of the investment products are structured products involving derivatives. The investment decision is yours but you should not invest in the product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. You should not invest in this product based on this promotional material alone.

Risk Disclosure Statements for Securities Trading
(1) Investment involves risks. (2) The price of securities fluctuates, sometimes dramatically. The price of securities may move down or up and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of buying or selling securities. (3) Investors should seek advice from own professional advisors as to particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. (4) If investors investing in investment products denominated in non-local currency, one should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. (5) Before making any investment decision, investors should refer to the terms and conditions of relevant securities trading services and risk disclosure statements and seek professional advice where needed. (6) Renminbi (RMB) is subject to exchange rate risk. The Hong Kong dollar value of investment will decrease if the RMB depreciates against Hong Kong dollar. Conversion between RMB and other currencies (including Hong Kong dollar) is subject to policy restrictions relating to Renminbi and consequently the relevant regulatory requirements in Hong Kong. Such requirements may be amended subject to changes in the policy restrictions relating to RMB. RMB is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statements for Currency-Linked Deposit (“CLD”)
(1) CLD is NOT equivalent to time deposit. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (2) Investing in CLD is not the same as buying the Linked Currency directly. During the Deposit Period, you have no rights in the Linked Currency, and movements in the exchange rate of the Linked Currency may not lead to any corresponding change in your return on CLD. (3) CLD involves risks, including but not limited to derivatives risk, market risk, liquidity risk, credit risk of the Bank, currency risk, risks relating to Renminbi and risks of early termination by the Bank. (4) The maximum potential gain is limited. (5) CLD is NOT principal protected and you could lose all of your deposit amount. (6) Currency-Linked Deposit is not covered by the Hong Kong Investor Compensation Fund.

Risk Disclosure Statements for Investment Funds
(1) Investment Funds are not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. (2) Investors should note that investment involves risk and past performance is not indicative of future performance. The price of the Investment Funds may go down as well as up and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of investing in Investment Funds. In the worst case scenario, the value of the Investment Funds may be substantially less than your investment amount. (3) Investors should consider their own investment objectives, financial resources and relevant circumstances, and read the relevant offering document, terms and conditions and risk disclosure statement before making any investment decision. (4) Investors should carefully read the relevant fund's offering documents (including the investment policy and risk factors stated therein) in details before making any investment decision. If needed, investors should seek independent professional advice.

Risk Disclosure Statements relating to the Robo 360 Advisory Services
(1) Using Robo 360 Advisory Services involve investment risks, market risks, partial execution risks, termination/suspension of Robo 360 Advisory Services, regulatory risks, investment strategy risks, diversification risks, performance risks and limitation of historical data. (2) Whilst the Bank may provide Rebalancing Alerts as it may determine appropriate after its review or upon occurrence of specific events, the Bank will not execute any Rebalancing Instruction automatically. If the investor does not provide Rebalancing Instructions to the Bank or there is any delay in providing such Rebalancing Instructions, the Selected Portfolio may become no longer suitable for the investor and the investor shall bear such consequences. (3) Portfolios construction and rebalancing are generated by a model-driven process according to the portfolio construction and methodologies set out by the Bank. The model is algorithm- and rule-based instead of attempting to recommend positon taking with respect to the direction of markets. Please refer to Robo 360 Advisory Service Supplemental Terms and Conditions for more details about important information and risk disclosures.

Risk Disclosure Statements for Bonds
(1) Investment involves risk. The prices of bonds can fluctuate, sometimes dramatically. The price of bonds may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling bonds. (2) Investing in this product is not equivalent to time deposit. This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. (3) Default/ Credit risk - There is a risk that the issuer may fail to pay you the interest or principal as scheduled. In the worst case scenario, you may not be able to receive back the interest and principal if the issuer defaults on the bond. (4) Interest rate risk - When the interest rate rises, the price of a fixed rate bond will normally drop. (5) Exchange rate risk - If your bond is denominated in a foreign currency, you may face an exchange rate risk if you choose to convert payments made on bond to your home currency. (6) Liquidity risk - If you need to sell the bonds before maturity for an urgent cash-flow need or use the capital for other investments, you may not be able to do this since the liquidity of the secondary bond market could be low. If you choose to sell your bond before it matures, you may lose part or all of your investment. (7) Reinvestment risk - If you hold a callable bond, when the interest rate goes down, the issuer may redeem the bond before maturity. If this happens and you have to re-invest the proceeds, you may not be able to enjoy the same rates of return. (8) Equity risk - If your bond is "convertible" or "exchangeable", you also face equity risk associated with the stock. A fall in the stock price will usually follow by a fall in the bond price.

Risk Disclosure Statements for Equity-Linked Investments (“ELI”)
(1) Equity-linked Investment (ELI) is a structured product and complex investment products involving derivatives. You should exercise caution in relation to this product. (2) ELI is not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (3) ELI is NOT principal protected and is NOT secured by any asset or collateral. In the worst case scenario, you could lose all of your investment. (4) The maximum potential gain may be limited. It is possible that you may not receive any potential distribution amount for the entire scheduled tenor of this product. You may, at settlement, receive physical delivery of reference asset(s). (5) Investing in ELI is not the same as investing in the reference assets. During the investment period, you have no rights in the reference asset(s). Changes in the market price of the reference asset may not lead to a corresponding change in the market value of, or your potential payout of the product. (6) If you invest in ELI, they are relying upon the creditworthiness of the issuer and, as the case may be, the guarantor and no other person. You may get nothing back if the issuer and/or the guarantor becomes insolvent or defaults in performing its obligations in relation to the product. (7) ELI involves risks, including but not limited to re-investment risk, risks of early termination, limited market making arrangements, conflict of interest, market risk, liquidity risk, currency/exchange rate risk and risks relating to Renminbi. (8) The price or value of the ELIs may move up or down, and may even become valueless. It is as likely that losses will be incurred rather than profit made as a result of subscribing for, buying and selling the ELIs. Past performance is not indicative of future performance. (9) If the ELI is linked to US underlyings, you should also take note on the relevant risks, such as risks relating to difference in trading days and hours and their implications, taxation risks and certain information about the linked stocks may be available in English only. (10) Before making any investment decision, you should read and understand the relevant offering documents for details and the risks involved and carefully consider your financial situation, investment experience and investment objectives. You should seek independent professional advice if needed. (11) ELI is unlisted and not covered by the Hong Kong Investor Compensation Fund. (12) SFC authorization is not a recommendation or endorsement of a product nor does it guarantee the commercial merits of a product or its performance. (13) Limited market making arrangements are available and you may suffer a loss if you sell your ELIs before expiry - ELIs are designed to be held until expiry. If you try to sell your ELIs before expiry, the amount you receive for each ELI may be substantially less than your original investment amount. (14) Potential and actual conflicts of interest may arise from the different roles played by the issuer and its subsidiaries and affiliates in connection with the Product, which may be adverse to your interest in the Product.

Risk Disclosure Statement for Structured Notes (“SN”, also known as Private Placement Note, “PPN”)
(1) Structured Notes (SN) are a structured products and complex investment products involving derivatives. You should exercise caution in relation to this product and seek independent professional advice when necessary before making investment decisions. (2) SN is unauthorized by any regulatory authority in Hong Kong. Relevant offering documents have not been reviewed by the SFC and you are advised to exercise caution on this product. (3) SN is only available to professional investors. (4) SN is not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (5) SN is NOT principal protected and is NOT secured by any asset or collateral. In the worst case scenario, you could lose all of your investment. (6) If you invest in SN, they are relying upon the creditworthiness of the issuer and, as the case may be, the guarantor and no other person. Investors may get nothing back if the issuer and/or the guarantor becomes insolvent or defaults in performing its obligations in relation to the product. (7) Limited market making arrangements are available and you may suffer a loss if you sell your SNs before expiry - SNs are designed to be held until expiry. If you try to sell your SNs before expiry, the amount you receive for each SN may be substantially less than your original investment amount. (8) Before making any investment decision, you should read and understand the relevant offering documents for details and the risks involved and carefully consider your financial situation, investment experience and investment objectives. You should seek independent professional advice if needed. (9) SN is unlisted and not covered by the Investor Compensation Fund. (10) The maximum potential gain may be limited. It is possible that you may not receive any potential distribution amount for the entire scheduled tenor of this product. You may, at settlement, receive physical delivery of reference asset(s). (11) Investing in SN is not the same as investing in the reference assets. During the investment period, you have no rights in the reference asset(s). Changes in the market price of the reference asset may not lead to a corresponding change in the market value of, or your potential payout of the product. (12) Potential and actual conflicts of interest may arise from the different roles played by the issuer and its subsidiaries and affiliates in connection with the Product, which may be adverse to your interest in the Product. (13) SN involves risks, including but not limited to, liquidity risk, market risk, exposure to market price movements in case of physical delivery of underlying stock, currency/exchange rate risk, risks relating to RMB, discretion of the calculation agent, potential conflict of interest, settlement disruption, early termination/redemption, hedging risk, no claim against any reference item and extraordinary events. (14) The price or value of the SN may move up or down, and may even become valueless. It is as likely that losses will be incurred rather than profit made as a result of subscribing for, buying and selling the SN. Past performance is not indicative of future performance.

Risk Disclosure Statements for Foreign Currency
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.

Risk Disclosure Statements for Structured Deposit
(1) Structured Deposit is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. (2) Structured Deposit is embedded with a Digital option. Your entitlement to the higher Interest Rate would depend on the Final Reference Exchange Rate. The Digital option will not be exercised if the Final Reference Exchange Rate is less than the Trigger Level. If the Digital option is not so exercised, you will not be entitled to the higher Interest Rate and may only receive an interest amount calculated at the lower Interest Rate. The interest amount, if any, is therefore unknown in advance. The interest amount, if any, will be paid in the Deposit Currency which may not be relevant to the Final Reference Exchange Rate. (3) The maximum potential gain is limited to the interest payment to be determined by reference to the highest Interest Rate subject to satisfactory of pre-determinate condition(s). (4) Structured Deposit is not a listed security. There is no secondary market for you to sell Structured Deposit prior to its maturity. (5) The principal protection feature is only applicable if Structured Deposit is held to maturity. If Structured Deposit is terminated prior to maturity, you will not benefit from the principal protection feature and you may receive an amount which is substantially less than the deposit amount. (6) Investing in structured Deposit is not the same as investing in the reference currency directly. Changes in the market price of the reference currency may not lead to corresponding changes to the market value and/or the performance of structured Deposit. (7) The return of structured Deposit is linked to the Final Reference Exchange Rate. Movements in currency exchange rates can be unpredictable, sudden and drastic, and affected by complex political and economic factors. This may adversely affect your return from investing in the product. (8) Structured Deposit is designed to be held till maturity. You do not have a right to request early termination of structured Deposit before maturity. (9) Structured Deposit is not secured by any collateral. When you invest in structured Deposit, you will be relying on the Bank’s creditworthiness. If the Bank becomes insolvent or defaults on its obligations under structured Deposit, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount. (10) If the Deposit Currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations. (11) If the Deposit Currency is in CNY, you should note that the value of CNY against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government’s control (for example, the PRC government regulates conversion between CNY and foreign currencies), which may adversely affect your return under structured Deposit when you convert CNY into your home currency. CNY is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

 

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. Please visit www.hkma.gov.hk/eng for more details.

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.

 

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