Below are the terms and conditions relate to CNCBI credit card application. Please save or print the terms and conditions for record if necessary.

1. Promotional Offer Terms and Conditions
• Terms and Conditions of CNCBI Motion Credit Card / CNCBI GBA Dual Currency Credit Card Promotional Offer
• Terms and Conditions of CNCBI Private Banking Visa Platinum Card Promotional Offer ("Promotional Offer")
• Terms and Conditions of CNCBI CITICdiamond UnionPay Dual Currency Credit Card Promotional Offer
• Terms and Conditions of CNCBI CITICfirst Platinum Card Promotional Offer
• Terms and Conditions of CNCBI Motion Credit Card (virtual) Promotional Offers
2. Key Facts Statement/ CNCBI Credit Card Fees and Charges
• Key Facts Statement/ CNCBI Credit Card Fees and Charges (11-22 P5016)
• Key Facts Statement/ CNCBI Dual Currency Credit Card Fees and Charges (11-22 P5008 FS)
• Key Facts Statement/ CNCBI Credit Card (virtual) Fees and Charges (11-22 P5016)
3. Highlights of CNCBI Credit Cardmember Agreement /Highlights of General Terms and Conditions
• Highlights of CNCBI Credit Cardmember Agreement /Highlights of General Terms and Conditions
• Highlights of CNCBI Dual Currency Credit Cardmember Agreement /Highlights of General Terms and Conditions
• Highlights of CNCBI Credit Card (virtual) Credit Cardmember Agreement
4. CNCBI Credit Cardmember Agreement
• CNCBI Credit Cardmember Agreement (06-22 P5015)
• CNCBI Dual Currency Credit Cardmember Agreement (06-22 P6001 CA)
• CNCBI Credit Card (virtual) Credit Cardmember Agreement
5. General Terms and Conditions (01-23 P0430)
6. Risk & Important Notes for eStatement and eAdvice Service
7. Terms & Conditions for eStatement and eAdvice Service (062017)
8. Notice to Customers and Other Individuals Relating to the Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data ("PICS")
9. Terms and Conditions of ATM Card (11-12 P0210-1)
10. Notice of Amendment to CNCBI Credit Card Cash Rebate Rewards Program, CNCBI Dual Currency Credit Card Cash Rebate Rewards Program and Bonus Point Rewards Program (01-23 NOA)

Other terms and conditions relate to CNCBI Credit Card

11. Cash Rebate Rewards Program
• Terms and Conditions (Applicable to CNCBI CITICfirst Platinum or CNCBI Platinum Cardmembers)
• Terms and Conditions (Applicable to Designated CNCBI Dual Currency Credit Cardmembers)