inMotion | Latest Promotions

The above offers are subject to terms and conditions. Promotion period of each offer might be varies, please refer to related terms and conditions for details or contact our branch staff if needed.

Investment and foreign exchange involves risks. Reminder: To borrow or not to borrow? Borrow only if you can repay!

Remarks:

Customer should register MOTION Deposit during registration period and deposit eligible funds to enjoy MOTION Deposit bonus interest rate, subject to the fulfillment of respective currency's minimum eligible fund requirement and maximum eligible funds amount cap.
For the latest Time Deposit interest rates, please refer to the interest rates displayed on inMotion or i-banking.
The up to HK$2,300 PAYROLLplus Welcome Reward includes up to HK$1,150 Auto Payroll Reward, Exclusive Extra HK$150 PAYROLLplus Registration Reward for Multi-Currency Debit Card and HK$1,000 CNCBI Jewel World Mastercard^® Card Welcome Offer. For detail please refer to the Promotional Terms and Conditions for PAYROLLplus Account.
The exchange rates may fluctuate at any time. The final exchange rate will be determined at the time the transaction is actually effected by the Bank.
The offer is a personalized “Foreign Exchange Level-Up Cash Rebates Promotion” mission in inMotion “Rewards Go!”. The maximum cash rebates each customer is entitled can be referred from the mission page details. It is available on a first-come, first-served basis. Please refer to Terms and Conditions for details.
Promotion period is from 1 July 2026 to 30 September 2026 (both dates inclusive). Only applicable to customers who have not subscribed any Investment Funds (excluding Monthly Investment Plans and Money Market Funds) during 1 July 2025 to 30 June 2026 and is applicable for the first successful Investment Fund Subscription transaction (excluding Money Market Funds) via inMotion only.
Promotion period is from 1 January 2026 to 31 December 2026. Transfer-In Offer is applicable to customers holding One Account of the Bank. Maximum cash reward is capped at HK$99,000 cash reward for each phase. For detail, please refer to the Promotional Terms and Conditions for “Investment Funds Transfer-In Cash Rewards”.
Please refer to the “Terms and Conditions for “Cash Rebate” Rewards Program” for details.
Promotion Period is valid from now till 31 December 2026. Only applicable to who do not currently hold and have not cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of their current applications for a principal card of the CNCBI Credit Cards. Need to fulfill the designated spending during the designated period.
Cardmembers who accumulate eligible retail transactions of HK$3,800 or above with the Motion Credit Card in a calendar month can enjoy 6% cash rebate on eligible dining and/or online spending during the Promotion Period. The 6% cash rebate includes the 0.4% basic cash rebate offered under the “Cash Rebate” Rewards Program of the Motion Credit Card and the 5.6% extra cash rebate offered under the 6% Cash Rebate on Dining and Online Spending Offer. The 5.6% extra cash rebate is subject to a maximum of extra HK$200 cash rebate per calendar month (based on the transaction date shown on the credit card monthly statement).
Up to 10% cash rebate on designated JD merchants includes: (i) the basic cash rebate offered under the prevailing “Cash Rebate” Rewards Program of the CNCBI JD Mastercard, (ii) 3.6% cash rebate on eligible spending at JD App, JD Mall Hong Kong and Kaibo Food Supermarket, with maximum HK$200 cash rebate per calendar month, and (iii) Extra 6% cash rebate on single eligible spending of HK$5,000 or above at JD App, JD Mall Hong Kong and Kai Bo Food Supermarket, with maximum HK$300 cash rebate per calendar month.
Cardmember may collect one 5% discount coupon for JD App and one 5% discount coupon for JD Mall HK 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, and 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.
Promotion Period is valid from now till 31 December 2026. 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. Fortune Wings Club (FWC points) is the global loyalty and rewards program of Hong Kong Airlines, points can be exchanged for air tickets, upgrades and other gifts.
The up to 10% cash rebate includes the basic cash rebate offered under the "CNCBI Dual Currency Credit Card Cash Rebate" Rewards Program. Cash Rebate Rewards Program Up to 4% cash rebate on RMB and UnionPay App Spending includes (i) Basic cash rebate under "CNCBI Dual Currency Credit Card cash rebate" Rewards Program ("Basic Cash Rebate") and (ii) Extra RMB and UnionPay App Spending cash rebate with maximum of extra HK$150 cash rebate per calendar month. It is required to make a single net RMB spending of CNY4,000 or above to enjoy extra 6% cash rebate with maximum of extra HK$250 cash rebate per calendar month and does not include all WeChat Pay/ Alipay/ PayMe transactions. The maximum amount of the monthly Basic Cash Rebate (calculated on credit card statement cycle basis) shall be the multiple of the Cardmember's combined credit limit of Dual Currency Credit Card as approved by the Bank ("Combined Credit Limit") and the Basic Cash Rebate percentage. The Basic Cash Rebate will be calculated on the relevant statement date of the monthly card statement and to be credited to Cardmember's GBA Credit Card account and be shown in next monthly statement.
From 8 January 2026 to 8 January 2027, enjoy extra up to 45% cash rebate on top of 5% instant discount on GBA hotel booking by redeeming the offer with promotion code through Wing On Travel website or App. Cardmembers are entitled to a maximum of HK$120/order under instant 5% off offer and a maximum of HK$360/order under up to 45% cash rebate offer. Quota applies and on a first-come-first-served basis while quota lasts.
The Annualized Percentage Rate ("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 annualized rate shown is rounded to two decimal places.
The APR 1.78% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.038%, including a Handling Fee of 0.5% per annum. 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.
Customers successfully applying and drawdown for $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan with loan amount of HK$100,000 or above and repayment tenor of 36 months or above during the period from now until 30 September 2026 shall be entitled to the corresponding Cash Rebate. Selected Customers successfully applying and drawdown for a loan amount of HK$500,000 or above and repayment tenor of 36 months or above, can enjoy an additional HK$2,000 Cash Rebate. Together with the basic Cash Rebate of up to HK$11,888, the total Cash Rebate is up to HK$13,888. Other customers will be eligible for Cash Rebate of up to HK$11,888. For details, please refer to “$mart Plus Personal Installment Loan – Promotional Terms and Conditions for up to HK$13,888 Cash Rebate Offer”.
This offer is only applicable to existing customers using CNCBI account for Payroll who do not currently hold Personal Line of Credit - Payroll Cash (the “Facility”) and have not cancelled any Facility Account(s) in the past 12 months from the date of application of current application for the Facility (the “Eligible Customers”). Eligible Customers who apply for and are approved for the Facility from now until 31 December 2026, will enjoy first 3-month interest-free period starting from the effective date of the Facility. For details, please refer to the “Promotional Terms and Conditions for Personal Line of Credit - Payroll Cash”.
The Promotion Period of New Customer Reward runs from 1 July 2026 to 30 September 2026 (both dates inclusive). Eligible New Customer must place 6 months HKD Time Deposit with Eligible New Funds via the specific channels during the designated Period in order to enjoy the New Customer HKD Time Deposit Total Interest Rate. If Eligible New Customer has placed more than one Time Deposit during the Promotion Period, only the first Time Deposit Placed can enjoy Total Interest Rate. Other Time Deposit placed is eligible for the Prevailing HKD Interest Rate only. Up to 3.30% New Customer HKD Time Deposit Total Interest Rate is applicable for Time Deposit placed during 1 July – 17 July 2026 while the Time Deposit Total interest rate for next round will be announced in due course. Please refer to Terms and Conditions for details.
"Total Interest Rate" means the sum of "Prevailing HKD Interest Rate" and "Bonus Interest Rate".
1. "Prevailing HKD Interest Rate" refers to the Bank's prevailing 6-month HKD time deposit interest rate. Interest rates are subject to review according to changes in market conditions. For the latest interest rate, please refer to inMotion or enquire with the Bank's staff at the time of transaction.
2. "Bonus Interest Rate" means the additional interest rate over and above the Prevailing HKD Interest Rate which together with the Prevailing HKD Interest Rate amount to the Total Interest Rate applicable to the Eligible New Fund Balance. If the total time deposit amount of all Eligible Time Deposits exceeds HKD2,000,000, the amount in excess is eligible for the Prevailing HKD Interest Rate only. The bonus interest derived from the Bonus Interest Rate ("Cash Reward") is calculated as simple interest on a 365-day basis. The Bank will credit the Cash Reward to the Eligible New Customer’s HKD sole name deposit account (savings and/or checking account) of the Bank on or before 30 April 2027.
The Offer is valid from 1 April 2026 to 31 August 2026 (Hong Kong Time), both dates inclusive. This Offer is only applicable to customers who receive the “Add & Earn Rewards” mission (the “Mission”) from the Bank via “Rewards Go!” on the inMotion (“Eligible Customer”). Eligible Customer can enjoy cash reward (the “Mission Reward”, ) by fulfilling ALL the below requirements during the Promotion Period: (a)Successfully register the Mission via “Rewards Go!” on the inMotion; and (b)Successfully add 3 Hong Kong stocks into 「Watchlist」on the inMotion; and (c)Through the One Account via inMotion, complete one purchase transaction of any of Hong Kong stocks to enjoy the Basic Reward or complete one purchase transaction of any of Hong Kong stocks for 3 months consecutively to enjoy the Privilege reward. Please refer to below demonstration of reward
Promotion period is from 1 July 2026 to 30 September 2026 (both dates inclusive). Referrer can only eligible to enjoy maximum HK$2,900 Cash Reward for same eligible Referee, including HK$100 FX Transaction Reward, HK$100 MOTION Deposit Reward, HK$100 Multi-Currency Debit Card Reward, HK$100 PAYROLLplus Reward and up to HK$2,500 Total Balance Growth Reward; up to a maximum of 10 referrals. Referrer can only eligible to enjoy Total Balance Growth Reward once for same eligible Referee. Terms and conditions apply, please click here for details.
Promotion period from 15 June 2026 to 31 Aug 2026 (both dates inclusive). Designated customers are who have not made any spending on or before 14 Jun 2026 with the CNCBI Multi-Currency Debit Card. Terms and conditions apply, please click here for details.
Promotion Period is from now till 30 September 2026. Only applicable to who do not hold any principal card of CNCBI Credit Card issued by the Bank in the past 12 months from the month of approval. Only appliable to the eligible retail spending made with the card within the first two months from the card issuance date. Eligible retail spending includes local and overseas retail purchase, online spending and transactions uncurred by way of mail/phone order(s). Terms and conditions apply, please visit for details.
Promotion Period is from now till 30 September 2026. Only applicable to who are current CNCBI Credit Card holders or applicants who have held any principal card of CNCBI Credit Card within the past 12 months from the month of approval. Eligible retail spending includes local and overseas retail purchase, online spending and transactions uncurred by way of mail/phone order(s). Terms and conditions apply, please visit for details.
Promotion Period is from now to 30 September 2026. Accumulate a designated retail spending amounts with designated CNCBI Credit Card and placing a 3-month Top-up Spending Time Deposit with designated amounts.
Promotion Period is from now to 30 September 2026, apply for Credit Card "Retail Purchase Installment Program" via inMotion with designated CNCBI Credit Card and split any single transaction of HK$30,000 or above.

Important Notes and Risk Disclosure Statements

Important Note for Investment Products
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 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 for Foreign Exchange
Foreign exchange 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. RMB is not freely convertible at present and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the restrictions prevailing at the relevant time. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate.

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.

Hyperlink Policy