China CITIC Bank International

Featured offers

Enjoy up to

5.08% p.a.

bonus interest rate with MONOPOLY Deposit

Up to a Lifetime Fee Waiver on Securities Purchases

Up to HK$10,800 cash rebate and a chance to win up to 1,000,000 FWC points* on foreign currency spending

CITICfirst Wealth Management Service Fee Waiver

Customer who join CITICfirst will enjoy First 2-Quarter CITICfirst Wealth Management Service Fee Wavier¹.

Wealth Management Products Offers

Savings

Wealth Management

Spending

MONOPOLY Deposit	Register MONOPOLY Deposit and deposit eligible funds to enjoy bonus interest rate up to 5.08% p.a.² Now available in HKD, USD and CNY! Learn More
Time Deposit	Set up Time Deposit to enjoy preferential interest rate: HKD up to 2.15% p.a. ^{^} USD up to 3.95% p.a. ^{^} Learn More
PAYROLLplus	Register PAYROLLplus with successfully apply designated CNCBI credit card and arrange for his/her monthly salary of HKD12,000 or above to be disbursed via Eligible Employers Payroll in respective designated period^#, to enjoy up to HK$60,000 PAYROLLplus Bonus Lucky Draw HK$1,600 welcome reward³ 0.75% bonus interest rate⁴ for up to 6 months Learn More

inMotion Exclusive Foreign Exchange Offer	Enjoy CITICfirst preferential pricing on FX transaction via inMotion Learn More
Up to a Lifetime Fee Waiver on Securities Purchases	Register “Lifetime Stock Purchase Fee Waiver” mission via inMotion “Rewards Go!” to enjoy HK$0 brokerage commission for unlimited BUY trades of Hong Kong and U.S. stocks as well as China A-shares⁵ Learn More
Stock Transfer-In Cash Rewards	Enjoy HK$100 cash reward for every accumulative fund transfer-in of HK$100,000 (or equivalent); maximum cash reward is capped at HK$10,000¹² Learn More
Investment Fund Subscription Fee Rebate	Up to HK$5,000 subscription fee rebate⁶ for the first Investment Fund Subscription transaction (excluding Money Market Funds) via inMotion and Internet Banking Learn More
Investment Funds Transfer-In Cash Rewards	HK$300 cash reward for every accumulative fund transfer-in of HK$100,000 (or equivalent); maximum cash reward is capped at HK$99,000 Learn More
Structured Products	Successfully accumulate a minimum of HK$500,000 subscription amount of Designated Structured Products to enjoy 5.88%p.a. extra coupon. Total extra coupon capped at HK$30,000⁷ Learn More
Privileged offer for Appointment Gift	Up to HK$300 gift⁸ upon completion of financial review at any one of our branches

CNCBI Jewel World Mastercard Card

Welcome offer HK$1,000 cash rebate⁹
Perpetual annual fee waiver
Up to 1.5% cash rebate on retail spending¹⁰
Complimentary world-wide family travel insurance of coverage amount up to US$100,000¹¹

Apply Now

What's more? Enjoy up to extra HK$10,800 cash rebate and a chance to win up to 1,000,000 FWC points* on foreign currency spending via the designated CNCBI Credit Cards

Learn More

Download inMotion now to become
CITICfirst customer with few simple steps

New customer

Existing bank customer

1.Download and start using inMotion app
2.Click “New Customer Account Opening”, select CITICfirst and tap “Apply Now”
3.Follow the instructions to scan your ID
4.Take a selfie for identity verification
5.Select CITICfirst, Savings Account as well as other accounts which suit your needs
6.Fill in and confirm your information
7.Account opening is completed. CITICfirst application will also be completed within 7 working days. Notification SMS will be sent to you.

1.Download and start using inMotion app
2.Click “New Customer Account Opening”, select CITICdiamond and tap “Apply Now”
3.Follow the instructions to scan your ID
4.Take a selfie for identity verification
5.Select CITICdiamond, Savings Account as well as other accounts which suit your needs
6.Fill in and confirm your information
7.Account opening is completed. CITICdiamond application will also be completed within 7 working days. Notification SMS will be sent to you.

1.Open inMotion mobile App and select “Account Upgrade”.
2.Select to apply for CITICfirst or CITICdiamond Service and then log in inMotion.
3.Review application details, read relevant Terms and Conditions, confirm and submit.
FINISH!Application is received and will be completed within 7 working days.
Notification SMS will be sent to your mobile number with the Bank.

Investment and foreign exchange involves risks.

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

^{^}The above preferential interest rate is quoted as of 9 July 2025 and is for reference only, subject to the tenor of the time deposit.

^#For designated period please refer to Promotional Terms and Conditions for PAYROLLplus Account.

*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. All winners must be holding a valid CNCBI Hong Kong Airlines Mastercard Card at the time when the lucky draw prize is credited. Otherwise, the Bank has the right to forfeit the prize without any prior notice.

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 CITICfirst promotion and other wealth management product offers for details or contact our branch staff if needed.

Enquiry & Account Opening Hotline: 3603 3333

Remarks:

The service fee wavier starts from the quarter where customer become CITICfirst customer. Please refer to the promotion terms and conditions for the details of CITICfirst Wealth Management Service Fee Waiver.
Customer should register MONOPOLY Deposit to enjoy MONOPOLY Deposit bonus interest rate, subject to the fulfillment of respective currency's minimum eligible fund requirement and maximum eligible fund amount cap.
The up to HK$1,600 PAYROLLplus Welcome Reward including up to HK$600 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.
The bonus interest rate will be applied in addition to the prevailing savings rate and the cap to enjoy the bonus interest rate is HKD$1,000,000.
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 month , the Purchases Fee Waiver will be terminated starting from the following month and cannot be resumed.
Only applicable to customers who have not subscribed any Investment Funds (excluding Monthly Investment Plans and Money Market Funds) during 1 July 2024 to 30 June 2025 and is applicable for the first Investment Fund Subscription transaction (excluding Money Market Funds) via online channels only (including inMotion and Internet Banking).
Promotion period is valid from 1 July 2025 to 30 September 2025. This offer is applicable to CITICfirst customers who have not subscribed any Designated Structured Products with the Bank during 1 July 2024 to 30 June 2025. Designated Structured Products includes Equity-Linked Investments (“ELI”), Structured Notes (“SN”) and Currency-Linked Deposit via inMotion (“CLD via inMotion”)
Each customer can enjoy this offer once during the promotion period. Gifts are limited and available on a first-come, first-served basis while stocks last.
Promotion period is valid from 27 February 2025 to 31 December2025. Only applicable to New Cardmembers who hold a valid PAYROLLplus Account and make accumulated eligible retail transaction of HK$10,000 in the first 2 months starting from the card issuance date. 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 Retail Transactions including local and overseas retail spending and merchant installment plan, online retail transaction(s) and retail transaction(s) incurred by way of mail/phone order(s).
From 1 January 2025 to 31 December 2025 (both days inclusive), Credit Cardmembers can enjoy 1.5% cash rebate on Eligible Transactions with CNCBI Jewel World Mastercard, including 0.4% basic cash rebate and 1.1% extra cash rebate. The monthly maximum of the 0.4% basic cash rebate amount of the Eligible Accounts (calculated on credit card statement cycle basis) shall be the multiple of the Member's credit limit as approved by the Bank and the applicable cash rebate percentage (currently 0.4%). The monthly maximum of the 1.1% extra cash rebate amount of the Eligible Accounts shall be HK$1,000. To be eligible for the 1.1% extra cash rebate in a calendar month, Eligible Cardmember has to successfully register the PAYROLLplus Account during the Promotion Period and successfully arrange for his/her monthly salary of HK$12,000 or above to be disbursed via Automated Payroll Payments into his/her valid PAYROLLplus Account in that calendar month. For details, please click here.
The offer is provided by Mastercard and subject to related terms and conditions. The insurance service is provided by AIG Asia Pacific Insurance Pte Ltd. For details, please click here.
Customers must also register “Lifetime Stock Purchase Fee Waiver” mission via “Rewards Go!” on “inMotion”.

Important Note and Risk Disclosure Statements

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 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 Equity-Linked Investments (“ELI”)
(1) Equity-linked Investment (ELI) is a structured product and complex investment products involving derivatives. You should exercise caution in relation to this product. (2) ELI is not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (3) ELI is NOT principal protected and is NOT secured by any asset or collateral. In the worst case scenario, you could lose all of your investment. (4) The maximum potential gain may be limited. It is possible that you may not receive any potential distribution amount for the entire scheduled tenor of this product. You may, at settlement, receive physical delivery of reference asset(s). (5) Investing in ELI is not the same as investing in the reference assets. During the investment period, you have no rights in the reference asset(s). Changes in the market price of the reference asset may not lead to a corresponding change in the market value of, or your potential payout of the product. (6) If you invest in ELI, they are relying upon the creditworthiness of the issuer and, as the case may be, the guarantor and no other person. You may get nothing back if the issuer and/or the guarantor becomes insolvent or defaults in performing its obligations in relation to the product. (7) ELI involves risks, including but not limited to re-investment risk, risks of early termination, limited market making arrangements, conflict of interest, market risk, liquidity risk, currency/exchange rate risk and risks relating to Renminbi. (8) The price or value of the ELIs may move up or down, and may even become valueless. It is as likely that losses will be incurred rather than profit made as a result of subscribing for, buying and selling the ELIs. Past performance is not indicative of future performance. (9) If the ELI is linked to US underlyings, you should also take note on the relevant risks, such as risks relating to difference in trading days and hours and their implications, taxation risks and certain information about the linked stocks may be available in English only. (10) Before making any investment decision, you should read and understand the relevant offering documents for details and the risks involved and carefully consider your financial situation, investment experience and investment objectives. You should seek independent professional advice if needed. (11) ELI is unlisted and not covered by the Hong Kong Investor Compensation Fund. (12) SFC authorization is not a recommendation or endorsement of a product nor does it guarantee the commercial merits of a product or its performance. (13) Limited market making arrangements are available and you may suffer a loss if you sell your ELIs before expiry - ELIs are designed to be held until expiry. If you try to sell your ELIs before expiry, the amount you receive for each ELI may be substantially less than your original investment amount. (14) Potential and actual conflicts of interest may arise from the different roles played by the issuer and its subsidiaries and affiliates in connection with the Product, which may be adverse to your interest in the Product.

Risk Disclosure Statements for Currency-Linked Deposit ("CLD")
(1) CLD is NOT equivalent to time deposit. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (2) Investing in CLD is not the same as buying the Linked Currency directly. During the Deposit Period, you have no rights in the Linked Currency, and movements in the exchange rate of the Linked Currency may not lead to any corresponding change in your return on CLD. (3) CLD involves risks, including but not limited to derivatives risk, market risk, liquidity risk, credit risk of the Bank, currency risk, risks relating to Renminbi and risks of early termination by the Bank. (4) The maximum potential gain is limited. (5) CLD is NOT principal protected and you could lose all of your deposit amount. (6) Currency-Linked Deposit is not covered by the Hong Kong Investor Compensation Fund.

Risk Disclosure Statements for Foreign Currency
Foreign currency investments 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. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statement for Structured Notes (“SN”, also known as Private Placement Note, “PPN”)
(1) Structured Notes (SN) are a structured products and complex investment products involving derivatives. You should exercise caution in relation to this product and seek independent professional advice when necessary before making investment decisions. (2) SN is unauthorized by any regulatory authority in Hong Kong. Relevant offering documents have not been reviewed by the SFC and you are advised to exercise caution on this product. (3) SN is only available to professional investors. (4) SN is not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (5) SN is NOT principal protected and is NOT secured by any asset or collateral. In the worst case scenario, you could lose all of your investment. (6) If you invest in SN, they are relying upon the creditworthiness of the issuer and, as the case may be, the guarantor and no other person. Investors may get nothing back if the issuer and/or the guarantor becomes insolvent or defaults in performing its obligations in relation to the product. (7) Limited market making arrangements are available and you may suffer a loss if you sell your SNs before expiry - SNs are designed to be held until expiry. If you try to sell your SNs before expiry, the amount you receive for each SN may be substantially less than your original investment amount. (8) Before making any investment decision, you should read and understand the relevant offering documents for details and the risks involved and carefully consider your financial situation, investment experience and investment objectives. You should seek independent professional advice if needed. (9) SN is unlisted and not covered by the Investor Compensation Fund. (10) The maximum potential gain may be limited. It is possible that you may not receive any potential distribution amount for the entire scheduled tenor of this product. You may, at settlement, receive physical delivery of reference asset(s). (11) Investing in SN is not the same as investing in the reference assets. During the investment period, you have no rights in the reference asset(s). Changes in the market price of the reference asset may not lead to a corresponding change in the market value of, or your potential payout of the product. (12) Potential and actual conflicts of interest may arise from the different roles played by the issuer and its subsidiaries and affiliates in connection with the Product, which may be adverse to your interest in the Product. (13) SN involves risks, including but not limited to, liquidity risk, market risk, exposure to market price movements in case of physical delivery of underlying stock, currency/exchange rate risk, risks relating to RMB, discretion of the calculation agent, potential conflict of interest, settlement disruption, early termination/redemption, hedging risk, no claim against any reference item and extraordinary events. (14) The price or value of the SN may move up or down, and may even become valueless. It is as likely that losses will be incurred rather than profit made as a result of subscribing for, buying and selling the SN. Past performance is not indicative of future performance.

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.

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CITICfirst customer with few simple steps