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Key Facts Statement / CNCBI Credit Card Fees and Charges

From now till 31 December 2026 (“Promotion Period”), make an eligible transaction with CNCBI Multi-Currency Debit Card or CNCBI Credit Card (except Business Card); OR apply for CNCBI Multi-Currency Debit Card or a designated principal CNCBI Credit Card to earn lucky draw chances to win round-trip flights! CITICdiamond customers can even enjoy double the chances to win!


Rewards of the Lucky Draw

Prize Tier Rewards No. of Winners
1 1 business class round-trip ticket to Tokyo 10
2 1 business class round-trip ticket to Osaka 10
3 36,000 FWC Points
(enough to redeem 1 economy class round-trip ticket to Seoul / Osaka / Denpasar*)		 60
4 26,000 FWC Points
(enough to redeem 1 economy class round-trip ticket to Hangzhou / Bangkok*)		 40

* The points redemption standard is based on Hong Kong Airlines' reward economy class ticket redemption (applicable for tickets issued on/after 1 July 2025) standard as of 1 June 2025.


Top Spender Award

Be among the Top 100 Spenders in this promotion to win an exclusive Fortune Wings Club Gold Card Membership! Unlock a world of premium travel privileges:


VIP Lounge Access

VIP Lounge Access

Relax with 1 companion at designated Fortune Wings Club Lounges before your flight.

Extra Baggage Allowance

Extra Baggage Allowance

Travel light with 1 extra bag of free checked baggage.

Free Preferred Seating

Free Preferred Seating

Secure Exit Row or Upfront seats for free via Customer Service 48 hours prior to departure.

Free Preferred Seating

Free Preferred Seating

Supercharge your balance with an extra 50% Status Award Points on eligible flights.

6,000 Points Overdraft

6,000 Points Overdraft

Short on points for an upgrade? Overdraft up to 6,000 points instantly.


Top Spender Award is provided by Hong Kong Airlines and subject to related terms and conditions.



There is no limit on the Lucky Draw chances can be earned.

Discover how to earn your chances below!



Important Note for Winners:
To claim your Grand Prize or Top Spender Award, you must hold a valid CNCBI Hong Kong Airlines Mastercard® on or before 15 Feb 2027 and ensure your linked FWC membership account remains active at the time of the lucky draw (24 February 2027) and prize distribution (on or before 31 March 2027).



How to enter the lucky draw


Method 1

Single Eligible Spending of HK$200 or above

During the Promotion Period, make every single Eligible Spending^ of HK$200 equivalent or above with the CNCBI Multi-Currency Debit Card or CNCBI Credit Cards (except Business Card) will be entitled to one lucky draw chance for each transaction ; and two lucky draw chances for each transaction if the eligible transaction is an eligible Foreign Currency Spending+ of HK$200 equivalent or above! The chance will be doubled for CITICdiamond customers!

Example:

Designated Customer Single Eligible Spending Lucky Draw Chance
General Customer Local spending of HK$200 1
Local spending of HK$256 + foreign currency spending of HK$1,200 + foreign currency spending of HK$6,000 5
CITICdiamond Foreign currency spending of HK$800 4
Retail transaction of HK$500 + foreign currency spending of HK$1,200 + foreign currency spending of HK$13,000 10


Method 2

Successfully Apply for Principal Card of Designated CNCBI Credit Cards

Successfully apply for CNCBI Multi-Currency Debit Card or one principal card of the designated CNCBI Credit Card below will be entitled to one lucky draw chance; and two lucky draw chances if the card is a CNCBI Hong Kong Airlines Mastercard! The chance will be doubled for CITICdiamond customers!

Example:

Designated Customer Apply for Principal Card of Designated Cards Lucky Draw Chance
General Customer Multi-Currency Debit Card 1
Hong Kong Airlines Mastercard 2
CITICdiamond JD Mastercard 2
Hong Kong Airlines Mastercard + GBA Dual Currency Credit Card 6

^ Eligible spending includes posted retail transactions, online transactions, retail transactions incurred by way of mail/phone order(s) (the “Eligible Spending”). For the avoidance of doubt, transactions which shall not be considered as Eligible Spending include, but not limited to, WeChat Pay/ WeChat Pay HK/ Alipay/ AlipayHK/ PayMe/ FPS transactions, autopay, ATM/ online bill payment (including but without limitation tax, parking, tolls, rent and utilities payment), Octopus Automatic Add-Value Service payment, balance transfers, the monthly repayment amount of Merchant Instalment Plan, repayments of Cash-in Program, Dollar$mart Personal Installment Loan, $mart Plus Installment loan, monthly repayments of Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Program, handling fees and fees and charges, contribution to any unit trust /monthly investment plan, relevant insurance payment, payments to the Inland Revenue Department, purchase of casino chips, annual fees, finance charges, transaction made via mobile app/ funds transfer and merchant transaction via electronic fund transfer platform/ reload of e-wallets (include but not limited to any transfer made via person to person (P2P) payment services) and any other types of electronic transaction specified by the Bank from time to time, other banking service charges, any unposted/cancelled/ refunded/ invalid/ unauthorized transactions and any other types of transactions specified by the Bank from time to time. Whether a transaction is eligible is subject to the Bank’s (in its sole and absolute discretion) satisfaction and confirmation. In case of any dispute, the decision of the Bank shall be final and binding on Cardmembers.

+ Eligible Foreign Currency Spending includes Eligible Spending (1) settled in any currencies other than Hong Kong Dollars (based on the currency posted on the credit card monthly statement), and (2) with official payment record. Eligible Foreign Currency Spending will be calculated based on the amount in Hong Kong Dollars as shown on the credit card monthly statement. For Eligible Spending made with CNCBI GBA Dual Currency Credit Card in Renminbi, every CNY1 spent will be calculated as HK$1.



Introduction to CNCBI Multi-Currency Debit Card


CNCBI Multi-Currency Debit Card

Annual Fee: Waived

Apply Now

Welcome Offer

  • New Multi-Currency Debit Cardholder1 Lucky Draw: 100% Guaranteed Lucky Draw! Receive up to HK$888 Cash Reward2

Multi-Currency Debit Card Features

  • Access 10 major currencies and settle transactions directly
  • Free cash withdrawal at designated terminal worldwide
  • Earn reward on every spending

Remarks:

  1. New cardholders refer to customers who currently do not hold the Card and did not cancel the Card from 12 Oct 2025 to 27 Sep 2026.
  2. Promotion Period is valid from now until 31 Dec 2026. Please refer to the relevant terms and conditions for details.


Introduction to CNCBI Credit Cards


Hong Kong Airlines Mastercard® Card

Annual Fee HK$2,000

Apply Now

Welcome Offer

  • Up to 4 round-trip air tickets to Okinawa/Shanghai1,2
  • First year annual fee waiver

Card Features

  • As low as HK$2 = 1 FWC Point for card spending3
  • 2 Hong Kong Airlines airport lounge vouchers4
  • Designated check-in counter, priority boarding & priority luggage5
  • 50% off FWC Points for ticket redemption on selected destinations and business class upgrade6

JD Mastercard® Card

Annual Fee HK$1,800

Apply Now

Welcome Offer

  • Welcome Offer HK$900 Cash Rebate1,7

Card Features

  • 4% Cash Rebate Eligible Spending at JD App, JD Mall Hong Kong and Kai Bo Food Supermarket and Extra 6% Cash Rebate with Single Eligible Spending of HK$5,000 or above8,9
  • Up to CNY 220 Bind Card Rewards when binding the card to JD Pay and grab 5% off coupons on every 18th of the month9,10

Motion Credit Card

Annual Fee HK$1,800

Apply Now

Welcome Offer

  • 10% Cash Rebate on spending in foreign currencies in first 3 months (up to HK$1,000 Cash Rebate)1 or HK$600 Cash Rebate1,11
  • First year annual fee waiver

Card Features

  • 6% Cash Rebate on dining and online spending12

GBA Dual Currency Credit Card

Annual Fee HK$1,800

Apply Now

Welcome Offer

  • 10% Cash Rebate on spending in foreign currencies in first 3 months (up to HK$1,000 Cash Rebate)1 or HK$600 Cash Rebate1,11
  • First year annual fee waiver

Card Features

  • Up to 10% Cash Rebate on RMB spending13
  • No handling fee for spending in foreign currencies

Jewel World Mastercard® Card

Annual Fee HK$2,000

Apply Now

Welcome Offer

  • HK$1,000 Cash Rebate1,14
  • Perpetual annual fee waiver

Card Features

  • Up to 1.5% Cash Rebate on retail spending15

Jewel World Elite Mastercard® Card

Annual Fee HK$3,800

Apply Now

Welcome Offer

  • Not applicable

Card Features

  • Up to 2.5% Cash Rebate on retail spending16
  • Complimentary 24-hour concierge service

DCH Living Mastercard® Card

Annual Fee HK$2,000

Apply Now

Welcome Offer

  • Up to HK$800 cash rebate17
  • Perpetual annual fee waiver

Card Features

  • 15X Bonus Points on designated DCH merchants spending18
  • Designated DCH merchants year-round offers19

Remarks:

  1. Only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current applications.
  2. Each air ticket will be credited to cardmembers' Fortune Wings Club membership account in the format of 26,000 FWC Points, referenced by award tickets redemption chart for Economy Class (R) at Hong Kong Airlines Limited on 1 January 2025, the latest announcement by Hong Kong Airlines shall prevail and may change from time to time. Customer is responsible for all applicable government and airport taxes/fees/charges, passenger fuel surcharge and carrier surcharges upon air ticket redemption
  3. Includes the basic Bonus Point offered under the China CITIC Bank International Hong Kong Airlines Mastercard Rewards Program.
  4. Cardmembers who successfully activate the Credit Card and make any retail transaction with the Credit Card will receive 2 shareable Hong Kong Airlines airport lounge vouchers, which can be used by the Cardmember or his traveling companions.
  5. Subject to the terms and conditions as set by Hong Kong Airlines. Please refer to Hong Kong Airlines' website for details.
  6. Cardmembers can enjoy 50% off FWC Points for award ticket redemption and business class upgrade offered by Hong Kong Airlines from time to time.
  7. New cardmembers (as defined in clause 2 below) can enjoy HK$900 Cash Rebate upon accumulative spending of HK$10,000 at designated JD merchants (the “Eligible Spending”, as defined in clause 6 below) in the first 3 months starting from the card issuance month.
  8. Eligible Spending include post retail transactions, online transactions, and mail/ phone order(s) at the designated merchants of JD group, including JD App, JD Mall Hong Kong and Kai Bo Food Supermarket. Eligible Spending do not include Redemption Fee, any transactions made via WeChat Pay/WeChatPayHK/Alipay /AlipayHK/PayMe and the monthly repayment amount of merchant instalment plan. The maximum rebate per calendar month is HK$200 under the 4% Cash Rebate; and is HK$300 for the Extra 6% Cash Rebate. The 4% Cash Rebate includes the basic Cash Rebate offered under the prevailing “Cash Rebate” Rewards Program of the CNCBI JD Mastercard. For details, please refer to Terms and Conditions for “Cash Rebate” Rewards Program.
  9. The offers of Bind Card Rewards and JD Merchant Exclusive Offers are provided by JD and subject to the related Terms and Conditions, please refer to relevant merchants for details. If there is any discrepancy on the offer details between the Bank and the merchants, the version of JD merchants shall prevail.
  10. Cardmember may collect a 5% off coupon for each of JD App, JD Mall HK and Kai Bo Food online Flagship Store on the 18th day of each calendar month via JD App upon binding the card to JD Pay. The maximum discount for JD App 5% coupon is capped at CNY 500 per transaction, the maximum discount for JD Mall 5% coupon is capped at HK$250 per transaction. The offer is provided by JD and subject to the related Terms and Conditions. For details, please refer to JD App.
  11. Cardmembers are required to make accumulated retail spending of HK$6,000 or above in the first 2 months from the card issuance date.
  12. Cardmembers who accumulate retail spending of HK$3,800 or above with the Motion Credit Card in any calendar month can enjoy 6% Cash Rebate on dining and/or online spending made in the respective calendar month during the promotion period. The 6% Cash Rebate includes the basic Cash Rebate offered under the "Cash Rebate" Rewards Program of the Motion Credit Card; the extra Cash Rebate is subject to a maximum of HK$200 per calendar month.
  13. Cardmembers can enjoy 4% Cash Rebate on Renminbi and/or Mobile Wallet (Wechat Pay (HK wallet) and any transactions conducted by Consumer Presented QR code mode in UnionPay App Mobile Payment) spending with CNCBI GBA Dual Currency Credit Card during the promotion period. The 4% Cash Rebate includes the basic Cash Rebate offered under the "CNCBI Dual Currency Credit Card Cash Rebate Rewards Program"; the extra Cash Rebate is subject to a maximum of HK$150 per calendar month. Cardmembers who make single Renminbi spending of CNY4,000 or above with CNCBI GBA Dual Currency Credit Card can enjoy extra 6% Cash Rebate during the promotion period; the extra Cash Rebate is subject to a maximum of HK$250 per calendar month.
  14. Cardmembers are required to make accumulated retail spending of HK$10,000 or above in the first 2 months from the card issuance date and hold a valid PAYROLLplus Account.
  15. Includes basic Cash Rebate and extra Cash Rebate. The extra Cash Rebate is subject to a maximum of HK$1,000 per calendar month (based on the transaction date shown on the credit card monthly statement). To be eligible for the extra Cash Rebate, Cardmember has to successfully register the PAYROLLplus Account during the promotion period and arrange for his/her monthly salary to be disbursed via Automated Payroll Payments into his/her PAYROLLplus Account. Extra Cash Rebate will be counted for the month with Cardmember's monthly salary of HK$12,000 or above successfully disbursed via Automated Payroll Payments into his/her PAYROLLplus Account.
  16. Includes basic Cash Rebate and extra Cash Rebate. The extra Cash Rebate is subject to a maximum of HK$3,800 per calendar month (based on the transaction date shown on the credit card monthly statement).
  17. New Cardmembers who make accumulated retail spending of HK$3,800 or above with the Credit Card during the first 2 months from the date of the card issuance will be entitled to HK$800 Cash Rebate; Existing Cardmembers who make accumulated retail spending of HK$3,800 or above with the Credit Card during the first 2 months from the date of the card issuance will be entitled to HK$500 Cash Rebate. Not applicable to Cardmembers who currently hold or have cancelled CNCBI DCH Living Mastercard Card in the past 12 months from approval month of their CNCBI DCH Living Mastercard Card.
  18. Includes basic 1X Bonus Point and extra 14X Bonus Points from designated DCH merchants. The monthly maximum of the extra 14X Bonus Points is 200,000 Bonus Points.
  19. DCH merchant offers are provided by individual DCH merchants and are subject to additional terms and conditions. Please contact the relevant merchants for details.

The turnaround time of each application and approval may vary, China CITIC Bank International Limited reserves the right to request the applicant to submit extra supporting documents for the approval.
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.

Terms and Conditions of CNCBI Credit Card X Hong Kong Airlines 20th Anniversary Lucky Draw (the “Lucky Draw”) and Top Spender Award Promotion
Terms and Conditions of Welcome Offer Promotion
Terms and Conditions for CNCBI JD Mastercard Promotional Program
Terms and Conditions for New CNCBI Multi-Currency Debit Card Cardholder Lucky Draw
Terms and Conditions of China CITIC Bank International Hong Kong Airlines Mastercard® Rewards Program
Terms and Conditions of China CITIC Bank International Hong Kong Airlines Mastercard® As Low As HK$2 = 1 FWC Point Program
Terms and Conditions of China CITIC Bank International Hong Kong Airlines Mastercard® Airport Lounge Offer
Terms and Conditions of 6% Cash Rebate on Dining and Online Spending Program
Terms and Conditions for "Cash Rebate" Rewards Program
Terms and Conditions of CNCBI GBA Dual Currency Credit Card up to 10% Cash Rebate on RMB and Mobile Wallet Spending Program
Terms and Conditions for CNCBI Jewel World Mastercard 1.5% Cash Rebate Rewards Program
Terms and Conditions for CNCBI Jewel World Elite Mastercard Card 2.5% Cash Rebate Rewards Program
Terms and Conditions for CNCBI Jewel World Elite Mastercard and CNCBI Jewel World Elite Mastercard 0.5% Cash Rebate Rewards Program
Terms and Conditions for CNCBI DCH Living Mastercard Card 15X Bonus Points Program
Terms and Conditions for CNCBI DCH Living Mastercard Card Bonus Points Redemption Program
Terms and Conditions of DCH Merchant Offers
Highlights of CNCBI Credit Cardmember Agreement / Highlights of General Terms and Conditions
CNCBI Credit Cardmember Agreement
CNCBI Multi-Currency Debit Cardmember Agreement
General Terms and Conditions
Notice to Customers and Other Individuals Relating to the Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data ("PICS")
Risk & Important Notes for eStatement and eAdvice Service
Terms & Conditions for eStatement and eAdvice Service
Terms and Conditions of ATM Card

Foreign exchange involves exchange rate risk.

Terms and Conditions apply.

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