General Terms and Conditions

1. Unless specified, the promotion period of these promotions runs from 1 July 2021 to 30 September 2021 (both dates inclusive, “Promotion Period”).
2. CITICdiamond Wealth Management ("CITICdiamond") customers are required to maintain a daily average Relationship Balance of HK$4,000,000 or above. Or else, China CITIC Bank International Limited (the “Bank”) may suspend or terminate 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.
3. 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.
4. For joint account customers, only the primary account holder is entitled to these promotions.
5. These promotions are not applicable to all staff of the Bank.
6. 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.
7. 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.
8. 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.
9.  In the event of any inconsistency between the English and Chinese versions of these Promotional Terms and Conditions, the English version shall prevail.

1. New Fund Offer is only applicable to “New-To-Bank Customer” or “Upgraded Customer” who joins CITICdiamond during the Promotion Period and fulfills the following requirements (i) – (iii) (“Eligible Customer”).
   1. Successfully open a One Account
   2. Subscribe to eStatement service of Consolidated Statement
   3. Successfully register for inMotion
2. “New-To-Bank Customer” is a 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.
3. “Upgraded Customer” is a 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 application date of CITICdiamond service.
4. “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 (prepayment premium is not included). Deposits must be the 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).
5. For non-Hong Kong dollar denominated eligible transaction amount, the relevant transaction amount will be converted into Hong Kong Dollar based on the exchange rate solely determined by the Bank for calculation of the “Total Balance”.
6. The entitled cash reward amount of New Fund Offer is determined by the Customer Type, and the New Fund amount in the designated period as stated in Table (i). For example, a New-To-Bank Customer maintains average HK$10,000,000 new funds in Phase 1, and maintains average HK$4,000,000 new funds in Phase 2, he will be entitled to HK$6,800 cash rebate in Phase 1 and HK$3,200 cash rebate in Phase 2.
   Table (i)

   Customer Type	New Fund Amount (in HKD or the equivalent in foreign currency)	Cash Reward Amount
   		Phase 1	Phase 2
   New-to-bank customer / Upgraded customer	HK$10,000,000 or above	HK$6,800	HK$4,200
   	HK$4,000,000 to below HK$10,000,000	HK$4,000	HK$3,200
   Upgraded customer	HK$0 to below HK$4,000,000	HK$400	N/A

7. “Phase 1 New Fund” refers to the net increase in the Total Balance, by comparing the Eligible Customer’s average Total Balance for 1st – 3rd calendar months after the month of joining CITICdiamond with the Total Balance as of 31 May 2021. If the Eligible Customer is a New-To-Bank Customer, his/her Total Balance on 31 May 2021 is regarded as HK$0.
8. “Phase 2 New Fund” refers to the net increase in the Total Balance, by comparing the Eligible Customer’s average Total Balance for 4th – 6th consecutive calendar months after the month of joining CITICdiamond with the Total Balance as of 31 May 2021. If the Eligible Customer is a New-To-Bank Customer, his/her Total Balance on 31 May 2021 is regarded as HK$0.
9. If a customer is not eligible to receive the Phase 1 Cash Reward, this customer’s eligibility to receive the Phase 2 Cash Reward will be automatically forfeited.
10. The Cash Reward will be credited to the Eligible Customer’s valid and 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”) in the specific month as stated in Table (ii).
    Table (ii)

    Month of joining CITICdiamond	Date of Total Balance to be compared with	Phase 1 New Fund Reward		Phase 2 New Fund Reward
    		1st – 3rd calendar months after the month of joining CITICdiamond	Date of Crediting Cash Reward	4th – 6th calendar months after the month of joining CITICdiamond	Month of Crediting Cash Reward
    July 2021	31 May 2021	August, September & October 2021	January 2022	November, December 2021 & January 2022	April 2022
    August 2021	31 May 2021	September, October & November 2021	January 2022	December 2021, January & February 2022	April 2022
    September 2021	31 May 2021	October, November & December 2021	February 2022	January, February & March 2022	May 2022

11. At the time of crediting the Cash Reward, the Eligible Customer should still maintain CITICdiamond status, One Account, e-Statement Service of Consolidated Statement, inMotion service, the Total Balance of at least HK$4,000,000 or equivalent AND have a valid Cash Reward Credit Account with the Bank, otherwise the Cash Reward will be forfeited.
12. Each customer will be entitled to the New Fund Offer once only.

1. ”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.
2. Referrer will be entitled to Referrer Reward if (i) he/she successfully refers a New-To-Bank Customer (see Section A Clause 2 for definition) to join CITICdiamond service during the Promotion Period and (ii) the being referred New-To-Bank Customer must fulfill the relevant CITICdiamond Phase 1 and Phase 2 New Fund Offer requirement mentioned in Section A (“Referee”). The Referrer will be rewarded with HK$2,000 cash reward (“Referrer Reward”).
3. During the Promotion Period, the maximum amount of CITICdiamond Referrer Offer to each Referrer is HK$20,000.
4. In order to enjoy the Referral Offer, from the date of referring eligible New-To-Bank CITICdiamond Customer until the date of crediting the Referrer Reward, the Referee is required to maintain valid CITICdiamond status.
5. The Referrer Reward will be credited to the Referrer's valid and 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 on or before 31 May 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.
6. 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, this CITICdiamond Customer Referral Reward will be cancelled.
7. Referrer must obtain the consent from Referee(s) before sharing the Referral Offer'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.
8. Referee must provide the name of the Referrer on the account opening form upon account opening.
9. 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 CITICdiamond, the Referrer cannot be entitled to the Referral Reward.
10. Referrers cannot refer themselves as Referees. Referrers and Referees cannot refer each other to become a New-to-Bank customer.

The promotion period is from 1 July 2021 to 30 September 2021 (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.

1. The promotional offers are only applicable to principal cardmember of CNCBI CITICdiamond UnionPay Dual Currency Credit Card whose application is submitted and approved between 1 July and 30 September 2021 (both dates inclusive). The offers are 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. Please contact the bank’s branch staff or visit https://www.cncbinternational.com/personal/promotions/credit-card/en/tc.html for details.
2. 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.