Key Facts Statement / CNCBI Credit Card Fees and Charges

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

Terms and conditions apply

Risk Disclosure Statements for Investment Products

 

Remarks:

1. This promotion is for new customers only, which refer to the customers who have not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the "Bank" within the preceding 12 months. CITICfirst and CITICdiamond customers are not applicable to the offer. New customers are required to keep a total balance of HK$50,000 equivalent or more on 31 January 2024.Terms and conditions apply, please click HERE for details.
2. “Lifetime Stock Trading Fee Waiver Lucky Draw” is only applicable to new customers who have not hold any credit card, current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank within the preceding 12 months or selected customers who (i) received the mission via inMotion Rewards Go! and (ii) hold a valid bank account and i-banking account. To enjoy the “Up to lifetime HK$0 brokerage commission for securities purchases” offer, designated customers have to execute at least one trade within the first 3 months and at least execute one trade in each quarter thereafter via inVest or inMotion . Please refer to relevant terms and conditions for details.
3. The above preferential interest rate is quoted as of 23 November 2023 and is for reference only. The Bank reserves the right to change the interest rates from time to time without prior notice. Interest rates are subject to review according to changes in market conditions. Before conducting the relevant transaction, please check the actual interest rates and exchange rates that will be offered to you before your transaction made on i-banking or inMotion. Terms and conditions apply. Please click HERE for the promotion details.
4. Only applicable to general customers, CITICfirst and CITICdiamond customers who have not subscribed any Investment Funds during 1 October 2022 to 30 September 2023.
5. Up to 16 % cash rebate includes 10% cash rebate on spending in Foreign Currencies in the first 3 months (maximum of HK$1,000 cash rebate) and year round 6% cash rebate on Dining, Online and Foreign Currency Spending (maximum of HK$200 extra cash rebate in each month). Please refer to www.cncbinternational.com/card_en for the year round 6% Cash Rebate details.
6. The referee must be a Hong Kong resident, holding a valid Hong Kong Permanent Identity Card and must be a new customer who has not maintained any bank account or credit card account or service with the Bank within the preceding 12 months. Referral Reward Programme is subject to Terms and Conditions. Please check HERE for details for the programme.
7. The Referee must submit the Multi-Currencies Statement Savings Account and Eligible Card application simultaneously. Referee must apply designated CNCBI Credit Card, including CNCBI Motion Credit Card, CNCBI Motion Credit Card(virtual) , CNCBI Jewel World Elite Mastercard Card, CNCBI Jewel World Mastercard Card, CNCBI DCH Living Mastercard Card or CNCBI GBA Dual Currency Credit Card. Each Referee and his/her respective referrer can enjoy the Referral Reward once regardless of the number of approved Credit Cards that holding by Referee.
8. Total Interest Rate includes the Bonus Interest Rate and Prevailing Savings Rate. As of 1 November 2023, the Bank’s HKD Prevailing Savings Rate is 0.875%. The Bonus Interest Rate and Prevailing Savings Rate quoted above are indicative and for reference only, and may change from time to time at the Bank’s sole and absolute discretion.
9. Up to HK$2,500 Foreign Exchange Cash Reward: Applicable to customers who did not trade any foreign exchange transactions via inMotion during past 12 months. Terms and conditions apply, please click HERE for details.
10. 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 date of approval of their current applications for the CNCBI DCH Living Mastercard Card or else they will be regarded as existing Cardmembers. Welcome Offer is not applicable to Existing Cardmembers who have cancelled any Eligible Credit Card in the past 12 months from the date of approval of their CNCBI DCH Living Mastercard Card.
11. Promotion period til 31 December 2023. Required to make accumulated retail transactions of HK$3,800 or amore in the first 2 months starting from the card issuance month. Eligible Retail Transactions including Local and Overseas Retail Spending, Cash Advances(s), Merchant Instalment Plans, Online Retail Transactions, and Retail Transactions made via mail order or by phone.
12. Promotion period til 31 December 2024. 15x Bonus Points include basic 1x Bonus Point and the extra 14x Bonus Points from designated DCH merchants. The monthly maximum of 1x basic Bonus Point shall be the Cardmember’s credit limit as approved by the Bank. the monthly maximum of the extra 14x Bonus Points is 200,000 Bonus Points.