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Credit Card Cash-in Installment Program

Withdraw Extra Cash for Flexible and Easier Financial Management

Tax Season Offer
Up to HK$6,800 Reward

CNCBI Credit Card Cash-In Installment Program allows you to withdraw extra cash from your available credit limit and deposit it into a designated account, helping you effortlessly achieve your financial goals!

Tax Season Offer:

Up to HK$6,800 Reward¹
Monthly Administration Fee as low as HK$13 ²

Product Features:

No documents required for approval³
Convert available credit limit to cash
Get cash credited directly into your selected account
Make repayments flexibly over 12 to 60 months⁴

Remarks

1. Customers who apply for and successfully drawdown the Credit Card “Cash-In Installment Program with China CITIC Bank International Limited (the “Bank”) from 1 January 2025 to 31 March 2025 with loan amount of HK$50,000 or above and repayment tenor of 24 months or above shall be entitled to corresponding Supermarket Coupons. Details are as follows:

2. The calculation of the HK$13 monthly administration fee is based on an approved amount of HK$10,000, a personalized monthly administration fee charged at 0.13% and a 12-month repayment period. The Annualized Percentage Rate (APR) of the above approved amount at 0.13% personalized monthly administration fee charged is 2.91%. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.

The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.

The personalized monthly administration fee is applicable to selected customers and is for reference only. The Bank 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.

3. The approval of the Credit Card Cash-in Installment Program is depended on the status of the credit card account. The Bank reserves the right to request Cardmembers to provide supporting document for approval purpose. In addition, if the requested loan amount exceeds the available credit limit, Cardmembers are required to submit income documents. The Bank reserves the right to decide whether to approve or decline any application for Credit Card Cash-in Installment Program.

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

Credit Card “Cash-In Installment Program” Tax Season Offer – Promotional Terms and Conditions for up to HK$6,800 Reward Offer

Credit Card “Cash-In Installment Program” – Promotional Terms and Conditions

Credit Card “Cash-In Installment Program” – FAQ

Key Facts Statement