Empowering Wealth,
Elevating Future
To CITICfirst, creating values to your wealth is always our first priority. Through our pioneering inMotion digital platform, we harness cutting-edge technology and expert wealth management to unlock limitless possibilities for you. Combining sharp market insights with bespoke investment strategies, we partner with you to soar to new heights of financial success!

Which financial goal means the most to you now? Please tell us and we will recommend a suitable wealth generation plan for you, along with CITICfirst exclusive privileges.
Account Opening Reward
Travel On
Your Terms
Achieve Wealth
Generation
Education Planning
Customize
Your
Dream Home

Account Opening Reward

Building wealth involves strategic management. CITICfirst wealth management services offer tailored investment strategies and asset allocations aligned with your financial goals and risk tolerance, supporting your vision for financial growth.

New CITICfirst customers only:
Place 6 months HKD Time Deposit with HK$1,000,000 or above eligible new fund to enjoy 3.30%20 HKD Time Deposit Total Interest Rate21.
Offer
New Customer Time Deposit Offer
New CITICfirst customer who successfully opens an account and place 6 months HKD Time Deposit with Eligible New Funds in the same month of bank account opened can enjoy HKD Time Deposit total interest rate21 up to 3.30%p.a. 20.
  • Time Deposit amount of HK$1,000,000 to HK$2,000,000 to enjoy 3.30% p.a. total interest rate
  • Time Deposit amount of HK$500,000 to below HK$1,000,000 to enjoy 3.25% p.a. total interest rate
  • Time Deposit amount of HK$100,000 to below HK$500,000 to enjoy 3.20% p.a. total interest rate
Learn More >
MOTION Deposit
Enjoy bonus interest rate1
  • USD up to 5.08% p.a.
  • HKD up to 3.88% p.a.
  • CNY up to 1.88% p.a.
Learn More >
Foreign Exchange
  • Level up your cash rebates upon HK$10,000 or equivalent designated FX trades via inMotion, up to HK$500 cash rebates22
  • Enjoy CITICfirst preferential pricing on FX transactions via inMotion
Learn More >
CNCBI Multi-Currency Debit Card
  • Gain unlimited 0.2% cash rebate on all eligible purchases18
  • Designated customers can enjoy HK$100 Cash Rebate upon spending of Designated Foreign Currency Transaction with the CNCBI Multi-Currency Debit Card26
Learn More >
Securities Service
Register mission on “Reward Go!” via inMotion
  • “Add & Earn Rewards” mission: to enjoy reward for successfully adding 3 Hong Kong stocks into 「Watchlist」on the inMotion; and complete one purchase transaction of any Hong Kong stocks for 3 months consecutively via inMotion during the promotion period. CITICfirst customer can enjoy up to HK$40019
Learn More >
Investment Fund Transaction
  • Up to HK$10,000 subscription fee rebate4 for the first successful Investment Fund Subscription transaction (excluding Money Market Funds) via inMotion
  • HK$300 cash reward for every accumulative fund transfer-in of HK$100,000 (or equivalent). Calculated based on a transfer-in of HK$1,000,000, customer can enjoy up to HK$3,000 cash reward16
Learn More >
PAYROLLplus and CNCBI Jewel World Mastercard® Card
  • Register PAYROLLplus, fulfil designated requirement, and successfully apply for CNCBI Jewel World Mastercard® Card to enjoy up to HK$2,300 welcome rewards9.
Learn More >
CNCBI JD Mastercard® Card
  • Welcome offer up to HK$900 cash rebate15
  • Up to 10% cash rebate on designated JD merchants24
  • Grab a 5% off coupon each for JD App and JD Mall HK on every 18th of the month25
Learn More >
$mart Plus Personal Installment Loan
  • APR as low as 1.78%12,13
  • Up to HK$13,888 cash rebate14
Learn More >

Travel On Your Terms

Choosing between a European scenic train trip or an Antarctic adventurous cruise? Our CNCBI Credit Cards facilitate seamless flight and hotel bookings. With CITICfirst preferential pricing on foreign currency exchange, elevate your travel experience while optimizing costs.
Offer
Foreign Exchange
  • Level up your cash rebates upon HK$10,000 or equivalent designated FX trades via inMotion, up to HK$500 cash rebates22
  • Enjoy CITICfirst preferential pricing on FX transactions via inMotion
Learn More >
CNCBI Jewel World Mastercard® Card
  • Welcome offer
    HK$1,000 cash rebate6
  • Perpetual annual fee waiver
  • Up to 1.5% cash rebate7 on retail spending
Learn More >
CNCBI Multi-Currency Debit Card
  • Gain unlimited 0.2% cash rebate on all eligible purchases18
  • Designated customers can enjoy HK$100 Cash Rebate upon spending of Designated Foreign Currency Transaction with the CNCBI Multi-Currency Debit Card26
Learn More >
CNCBI Hong Kong Airlines Mastercard® Card
  • Welcome offer of up to 104,000 FWC points8
  • As low as HK$2 = 1 FWC point on Spending Rewards
Learn More >
CNCBI GBA Dual Currency Credit Card
  • Welcome offer up to HK$1,000 cash rebate15
  • Up to 10% cash rebate10 on RMB Spending
  • Up to 45% cash rebate on top of 5% instant discount11 on GBA Hotel Booking
Learn More >
inSure Travel Insurance Plan
  • Up to HK$1,500,000 coverage for personal accident
  • Enjoy one accompanied child covered for free
  • 24-hour global emergency assistance services
Learn More >

Achieve Wealth Generation

By building diversified investment portfolios with varying risk and return profiles, you can seamlessly achieve your financial goals.
Offer
Securities Service
  • “Add & Earn Rewards” mission: to enjoy reward for successfully adding 3 Hong Kong stocks into 「Watchlist」on the inMotion; and complete one purchase transaction of any Hong Kong stocks for 3 months consecutively via inMotion during the promotion period. CITICfirst customer can enjoy up to HK$40019 reward
Learn More >
Investment Fund Transaction
  • Up to HK$10,000 subscription fee rebate4 for the first successful Investment Fund Subscription transaction (excluding Money Market Funds) via inMotion
  • HK$300 cash reward for every accumulative fund transfer-in of HK$100,000 (or equivalent); maximum cash reward is capped at HK$99,00016
Learn More >
Privileged offer for Appointment Gift
Up to HK$300 gift5 upon completion of financial review
Learn More >

Education Planning

Plan earlier for your children future wealth opportunities. With effective planning and savings products, preparing for education becomes more manageable.
Offer
MOTION Deposit
Enjoy bonus interest rate1
  • USD up to 5.08% p.a.
  • HKD up to 3.88% p.a.
  • CNY up to 1.88% p.a.
Learn More >
Time Deposit
Set up Time Deposit to enjoy CITICfirst preferential interest rate 2
Learn More >
inMotion Designated FX Time Deposit
USD 1-week time deposit rate up to 9.0% p.a.3
Learn More >
Foreign Exchange
  • Level up your cash rebates upon HK$10,000 or equivalent designated FX trades via inMotion, up to HK$500 cash rebates22
  • Enjoy CITICfirst preferential pricing on FX transactions via inMotion
Learn More >
CNCBI Multi-Currency Debit Card
  • Gain unlimited 0.2% cash rebate on all eligible purchases18
  • Designated customers can enjoy HK$100 Cash Rebate upon spending of Designated Foreign Currency Transaction with the CNCBI Multi-Currency Debit Card26
Learn More >
PAYROLLplus
  • Register PAYROLLplus, fulfil designated requirement, and successfully apply for CNCBI Jewel World Mastercard® Card to enjoy up to HK$2,300 welcome rewards9.
Learn More >
inFuture Overseas Study Insurance Plan
Up to HK$1,500,000 coverage for overseas medical expenses
Learn More >

Customize Your Dream Home

Enhance your living environment with our installment loans, enabling you to achieve valuable upgrades. Our home insurance plans also protect your cherished memories and belongings.
Offer
$mart Plus Personal Installment Loan
  • APR as low as 1.78%12,13
  • Up to HK$13,888 cash rebate14
Learn More >
inGuardian Home Insurance Plan
Up to HK$1,250,000 coverage for damage or loss to home contents and personal belongings
Learn More >
  Exclusive Offer
Join CITICfirst to enjoy exclusive offers below:
Preferential Interest rate/Exchange rate
Time Deposit
Time Deposit
Set up Time Deposit to enjoy CITICfirst preferential interest rate 2
Learn More >
Foreign Exchange
Foreign Exchange
  • Enjoy CITICfirst preferential pricing on FX transactions via inMotion
Learn More >
Banking Service Privileges
Items CITICfirst
Remittance Service
Outward Demand Draft issuance fee Waived
General Service
Gift Cheque handling charge Waived
Cashier Order issuance Waived
ATM Card
ATM Card replacement fee Waived
Current Account
Cheque processing fee Waived
Unauthorized overdraft(s)
Handling Charge
OD interest

HK$150/US$18
per transaction
Prime rate + 4% p.a.
Securities Service
Securities Brokerage Commission 0.125% of transaction amount which the transaction is conducted via inMotion
Real Time Quote 1,000 Free Quotes per market per month
Hong Kong Market SMS Price Alert 100 per month
Learn More >
Expand more
Limited Time Offer
Service Fee Waiver
Service Fee Waiver
  • Enjoy First 2-Quarter CITICfirst Wealth Management Service Fee Wavier for new CITICfirst customers
  • Successfully obtained the mortgage loan approval from China CITIC Bank International Limited and fulfil designated requirement17, can enjoy First 2-Year CITICfirst Wealth Management Service Fee Wavier
Learn More >
Airport Limousine Service
Airport Limousine Service
  • Enjoy one-way airport limousine service at a preferential price of HK$350 twice
Learn More >
Investment Fund Transaction
Investment Fund Transaction
  • Up to HK$10,000 subscription fee rebate4 for the first successful Investment Fund Subscription transaction (excluding Money Market Funds) via inMotion
  • HK$300 cash reward for every accumulative fund transfer-in of HK$100,000 (or equivalent). Calculated based on a transfer-in of HK$1,000,000, customer can enjoy up to HK$3,000 cash reward16
Learn More >
$mart Plus Personal Installment Loan
$mart Plus Personal Installment Loan
  • APR as low as 1.78%12,13
  • Up to HK$13,888 cash rebate14
Learn More >
Invite your friends to use inMotion for
up to HK$29,000 Referral Reward23
Learn More >
Join  via inMotion
with just few simple steps
  • 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.Open inMotion mobile App and select “Account Upgrade”.
  • 2.Select to apply for CITICfirst 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.
Download inMotion now to experience CITICfirst Wealth Management Service and enjoy a series of exclusive offer
Other Ways to Apply / Enquires
3603 3333
Monday to Friday: 9am to 5:30pm
Saturday: 9am to 1pm
(Not applicable to public holiday)
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.

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



Remarks:
  1. 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.
  2. For the latest Time Deposit interest rates, please refer to the interest rates displayed on inMotion or i-banking.
  3. 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.
  4. Promotion period is from 1 July 2026 to 30 September 2026. 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.
  5. 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.
  6. 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 and 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, online retail transaction(s) and retail transaction(s) incurred by way of mail/phone order(s).
  7. Promotion period is valid from now till 31 December 2026, Credit Cardmembers can enjoy 1.5% cash rebate on Eligible Transactions with CNCBI Jewel World Mastercard® Card, 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 on or after 1 October 2024 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.
  8. 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 is the global loyalty and rewards program of Hong Kong Airlines, points can be exchanged for air tickets, upgrades and other gifts.
  9. The up to HK$2,300 PAYROLLplus Welcome Reward including 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.
  10. Promotionperiod is valid from now till 31 December 2026. The up to 10% cash rebate includes the basic cash rebate offered under the "CNCBI Dual Currency Credit Card Cash Rebate" Rewards Program with a maximum of extra HK$400 cash rebate per calendar month. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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”.
  15. 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.
  16. 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 details, please refer to the Promotional Terms and Conditions for “Investment Funds Transfer-In Cash Rewards”.
  17. New-To-Bank Customer and Upgraded Customer who successfully obtained the mortgage loan approval from China CITIC Bank International Limited, signed the Letter of Offer with Mortgage loan drawdown amount of HK$2,000,000 or above and setup designate account as mortgage repayment account (sole or joint name account) during the Promotion Period, can enjoy the first 2-Year CITICfirst Wealth Management service fee waiver (first 2-Year fee waiver offer starts from the quarter where the Mortgage Loan Customer who successfully applied and obtained the mortgage loan approval).
  18. Please refer to the Terms and Conditions for “Cash Rebate” Rewards Program for details.
  19. 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.
  20. 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.
  21. "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.
  22. 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.
  23. 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.
  24. 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.
  25. 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.
  26. 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.