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$2,000 PAYROLLplus Welcome Reward including up to HK$1,000 Auto Payroll Reward and HK$1,000 CNCBI Jewel World Mastercard^® Card Welcome Offer, which need to apply for a designated credit card and meet the designated conditions. 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 valid from 1 January 2026 to 30 Jun 2026 (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 HK$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 HK$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 HK$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 HK$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.
Promotion period is from 1 January 2026 to 31 March 2026. Only applicable to customers who have not subscribed any Investment Funds (excluding Monthly Investment Plans and Money Market Funds) during 1 January 2025 to 31 December 2025 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. For detail, please refer to the Promotional Terms and Conditions for “Investment Funds Transfer-In Cash Rewards”.
Please refer to the “Terms and Conditions of CNCBI Multi-Currency Debit Card Activation Lucky Draw” for details.
Please refer to the “Terms and Conditions of CNCBI Multi-Currency Debit Card Overseas Spending Lucky Draw” for details.
Please refer to the “Terms and Conditions for “Cash Rebate” Rewards Program” for details.
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.
Eligible spending in foreign currencies include posted retail and online transactions settled in any non-Hong Kong dollars.
Promotion Period is valid from now till 30 June 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 is the global loyalty and rewards program of Hong Kong Airlines, points can be exchanged for air tickets, upgrades and other gifts.
Promotion Period is valid from now till 30 June 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.
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 July 2025 to 8 January 2026, 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 1.38% 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.
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 March 2026 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”.
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 March 2026, will enjoy first 3-month interest-free period starting from the effective date of the Facility.
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).
The offer is a personalized “Foreign Exchange Level-Up Cash Rebates Promotion” mission in inMotion “Rewards Go!”. Each customer might receive different personal trade targets and cash rebates. 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.
Eligible Overseas Transaction means retail overseas transaction made with the Card within the Promotion Period in foreign currencies that fulfilled the minimum spending requirement. The transaction details (including but not limited to the transaction date, posting date, etc.) will be subject to the Bank’s record. In case of any dispute, the Bank’s records shall prevail.

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