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inMotion Customer Spending Savings Investment Service Privileges inMotion Customer Spending Savings Investment Service Privileges

 

Customers can enjoy fabulous offers
of inMotion below:

Savings

Monopoly Deposit

  • Up to 5.08% p.a. bonus interest rate1
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Time Deposit

  • Enjoy interest rate
    • HKD up to 3.10% p.a.2
    • USD up to 3.55% p.a.2
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PAYROLLplus Account

  • Register PAYROLLplus and fulfil designated requirement to enjoy up to:
    • Join PAYROLLplus Bonus Lucky Draw to win HK$60,000
    • HK$2,000 welcome reward3
    • 0.50% bonus interest rate4 for up to 6 months
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Spending

CNCBI Multi-Currency Debit Card

  • Register the lucky draw to win up to $500 cash reward14
  • Unlimited 0.2% cash rebate on all eligible purchases15
  • Additional 0.2% cash rebate on all eligible purchases16
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CNCBI Motion Credit Card (virtual)

  • Up to HK$1,000 Cash Rebate of welcome offer5, 6, up to 6% Cash Rebate on dining and online spending and perpetual annual fee waiver
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$mart Plus Personal Installment Loan

  • Annualized Percentage Rate as low as 1.38%7, 8
  • Up to HK$23,888 cash rebate9
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Investment

Securities Service

  • Register mission and fulfil designated requirement to enjoy up to lifetime HK$0 brokerage commission for unlimited BUY trades of Hong Kong and U.S. stocks as well as China A-shares10
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Foreign Exchange

  • Up to HK$1,000 cash rebate11 upon completed designated FX transaction via inMotion
  • Enjoy up to 13.0% p.a.12 for 1-week time deposit rate via inMotion FX Time Deposit service
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Investment Fund Transaction

  • Up to HK$1,000 subscription fee rebate13 for the first Investment Fund Subscription transaction (excluding Money Market Funds) via online channels
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Remarks:

1 Customer should register MONOPOLY Deposit during registration period and deposit eligible funds to enjoy MONOPOLY Deposit bonus interest rate, subject to the fulfillment of respective currency's minimum eligible fund requirement and maximum eligible funds amount cap.

2 The above preferential interest rate is quoted as of 24 October 2025 and is for reference only, subject to the tenor of the time deposit.

3 The up to HK$2,000 PAYROLLplus Welcome Reward including up to HK$1,000 Auto Payroll Reward and HK$1,000 CNCBI Jewel World Mastercard® Card Welcome Offer, for detail please refer to the Promotional Terms and Conditions for PAYROLLplus Account.

4The bonus interest rate will be applied in addition to the prevailing savings rate and the cap to enjoy the bonus interest rate is HK$1,000,000.

5 New Cardmembers are applicants 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.

6 Eligible spending in foreign currencies include posted retail and online transactions settled in any non-Hong Kong dollars.

7 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.

8 The APR 1.38% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.02%, 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.

9 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 31 December 2025 shall be entitled to the corresponding Cash Rebate. Selected Customers will be eligible for Cash Rebate of up to HK$23,888, and other customers will be eligible for Cash Rebate of up to HK$12,888. For details, please refer to “$mart Plus Personal Installment Loan – Promotional Terms and Conditions for up to HK$23,888 Cash Rebate Offer”.

10 The Offer is valid from 1 July 2025 to 31 December 2025 (Hong Kong Time), both dates inclusive. This Offer is only applicable to customers who meet ALL the requirements below during above promotion period (the “Eligible Customer”): (a) Received the “Lifetime Stock Purchase Fee Waiver” mission (the “Mission”) via “Rewards Go!” on inMotion, and (b) Maintained a valid One Account whether in sole name or joint account. Eligible Customer can enjoy lifetime $0 brokerage commission for securities purchases of Hong Kong Stocks, U.S. Stocks and China A-shares executed via inVest and inMotion (the “Purchases Fee Waiver”) if the below requirements are fulfilled: (a) login to inMotion, click “Rewards Go!”, find above mission and click “Register Now” button to register for the Mission during the Promotion Period, (b) Starting from the registration month, the Purchases Fee Waiver will continue if Eligible Customer maintains at least HKD 100,000 at each calendar month end in sum of his/her existing personal HKD current/savings/One Account Deposit accounts except time deposits (the “Eligible HKD Accounts”) thereafter. If Eligible Customer does not maintain at least HKD 100,000 at any calendar month end in sum of Eligible HKD Accounts, the Purchases Fee Waiver will be temporarily suspended in the following calendar month. Eligible Customer is required to maintain at least HKD 100,000 at the month end again in sum of Eligible HKD Accounts to resume the Purchases Fee Waiver for next calendar month, (c) If Eligible Customer does not maintain at least HKD 100,000 at month end in sum of Eligible HKD Accounts for 3 consecutive months , the Purchases Fee Waiver will be terminated starting from the following month and cannot be resumed.

11 Promotion period is valid from now till 31 October 2025. Customers who hold an activated China CITIC Bank International Multi-Currency Debit Card, have completed every accumulated HK$10,000 (or its equivalent) of currency exchange transactions, from any currency to designated currency via inMotion, will be entitled to HK$100 cash rebate. Each customer can enjoy up to HK$1,000 cash rebate. Designated currency including CNY, USD, GBP, JPY, EUR, AUD, NZD, SGD, CAD, CHF. For details, please refer to Terms and Conditions of China CITIC Bank International Multi-Currency Debit Card Exclusive Cash Rebate for inMotion Designated FX Transaction.

12 Customer can enjoy the above interest rate offer upon completing a single FX transaction to exchange for designated currency, and setting up a 1-week or 1-month time deposit in the same currency at the same time via inMotion Designated FX Time Deposit service during designated period. 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.

13 Promotion period is from 1 October 2025 to 31 December 2025. Only applicable to customers who have not subscribed any Investment Funds (excluding Monthly Investment Plans and Money Market Funds) during 1 October 2024 to 30 September 2025 and the first Investment Fund Subscription transaction (excluding Money Market Funds) via online channels only (including inMotion and Internet Banking).

14 Please refer to Limited offer of Multi-Currency Debit Card Lucky Draw Terms and Conditions for details.

15 Please refer to Multi-Currency Debit Card Cash Rebate Rewards Program Terms and Conditions for details.

16 Please refer to Multi-Currency Debit Card Additional Cash Rebate Rewards Program Terms and Conditions for details.

Key Facts Statement / CNCBI Credit Card Fees and Charges

Investment and foreign exchange involves risks.

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

Terms and conditions apply.

Terms and Conditions of inMotion Promotion Offers

General Terms and Conditions
  1. China CITIC Bank International (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.
  2. For joint account customers, only the primary account holder is entitled to these promotions.
  3. These promotions are not applicable to the staffs of the Bank.
  4. 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.
  5. No part of this promotion offers is transferable, exchangeable, returnable or redeemable for cash.
  6. Except as otherwise expressly stated in these Terms and Conditions, no one other than a party to these Terms and Conditions may enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance, Cap. 623 of the Laws of Hong Kong. Where any clause of these Terms and Conditions entitles any third party to enforce any term of these 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 Terms and Conditions without the consent of that third party.
  7. 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.
  8. In the event of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Important Note
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 investment products

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 webpage does not itself constitute any offer of, or invitation by or on behalf of China CITIC Bank International Limited (the "Bank") to any person to purchase or sell or acquire or invest in any investment products.

The Bank is an authorized institution under the Banking Ordinance and is regulated by the Hong Kong Monetary Authority.

This webpage is issued by the Bank. Its contents have not been reviewed by the Securities and Futures Commission of Hong Kong.