China CITIC Bank International

CITICfirst featured offers

CITICfirst
welcome reward up to

HK$3,600 Rewards

Up to a Lifetime Fee Waiver on Securities Purchases

Refer friends and relative to join CITICfirst to enjoy up to
HK$18,000 rewards

CITICfirst Welcome Rewards

Total Balance Growth Reward

Join CITICfirst via inMotion to enjoy up to HK$2,500 Total Balance Growth Reward³ when reaching designated Total Balance¹ Growth Amount²:

Total Balance Growth Amount (HKD or equivalent)	Total Balance Growth Credit Card Free Spending Credit (HKD)
Total Balance Growth Amount (HKD or equivalent)	New-To-Bank Customer	Upgraded Customer
$3,000,000 or above	$2,500	$1,500
$1,000,000 to below $3,000,000	$1,300	$800
$500,000 to below $1,000,000	-	$200

CITICfirst PAYROLLplus Reward

CITICfirst new customer enjoys up to HK$1,100 credit card free spending credit upon successfully registered PAYROLLplus and fulfilled the designated requirement, reward including:
1. PAYROLLplus welcome reward up to HK$800
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2. Extra payroll reward of HK$300⁴ for CITICfirst new customer

CITICfirst Wealth Management Service Fee Waiver

Customer who join CITICfirst will enjoy First 2-Quarter CITICfirst Wealth Management Service Fee Wavier⁵ .

Saving

Wealth Management

Spending

Time Deposit

Set up Time Deposit via inMotion to enjoy CITICfirst preferential interest rate
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Foreign Exchange and inMotion Exclusive 2% Cash Rebate for designated FX transaction	Enjoy CITICfirst preferential pricing on FX transaction via inMotion Enjoy up to 2% cash rebate for designated FX transactions via inMotion⁷
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-shares via inVest and inMotion⁸
Investment Fund Subscription Fee Rebate	Up to HK$5,000 Subscription Fee Rebate⁹ for the first Investment Fund Subscription transaction (excluding Money Market Funds) via inMotion and Internet Banking
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
Cash Rewards for Investment Transactions	Up to HK$48,000 Cash Rewards for reaching accumulated Eligible Transaction Amount¹⁰
Privileged offer for Appointment Gift	Up to HK$300 gift¹¹ upon completion of financial review at any one of our branches

CNCBI Jewel World Mastercard Card

Perpetual annual fee waiver
Up to 1.5% cash rebate on retail spending all year round¹²
Complimentary world-wide family travel insurance of coverage amount up to US$100,000¹³

What's more? Click here to apply, know more offers and terms and conditions.

What’s more?

CITICfirst Customer Referral Reward up
to HK$18,000 Cash Reward ⁶
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.

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

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:

“Total Balance” includes deposits and investments balance of customer’s all sole name accounts and all joint-name accounts (in which the customer is the primary account holder), as well as the accumulated premiums paid for the life insurance plans distributed by the Bank. Deposits must be funds which are newly placed by a customer and not transferred from any account with the Bank (regardless of whether such account is held by the customer or not).
“Total Balance Growth Amount” refers to the net increase when comparing an Eligible CITICfirst Customer’s Total Balance of the designated date with the Total Balance on 30 November 2024. If an Eligible CITICfirst Customer is a New-To-Bank Customer, his/her Total Balance on 30 November 2024 is regarded as HK$0. If the Total Balance between the designated date are different, the bank will use the lowest Total Balance amount as the standard.
To be eligible for the Total Balance Growth Reward, customer needs to successfully open an One Account, register eStatement service of Consolidated Statement, download inMotion mobile app and successfully login at least once, hold a valid CNCBI Jewel World Mastercard Card with the Bank, and maintain the monthly Total Balance of at least HK$1,000,000 (or equivalent) from the 1st calendar month after joining CITICfirst to the date of crediting the reward.
Customer must be eligible to Total Balance Growth Reward and PAYROLLplus Welcome Reward in order to enjoy the Extra Payroll Reward. Please refer to the promotion terms and conditions for the details of Extra Payroll Reward.
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.
Each Referrer can refer more than one Eligible CITICfirst Referee to become CITICfirst Customer, Referrer will only be entitled to the Referral Reward for a maximum of 20 successful referrals during the Promotion Period, total Referral Reward up to HK$18,000.
Maximum cash rebate for each customer: CNY 200 / EUR 25 / GBP 20 / JPY 4,000.
The Offer is valid from 1 January 2025 to 30 June 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 January 2024 to 31 December 2024 ("Eligible Customers") and is applicable for the first Investment Fund Subscription transaction via online channels only (including inMotion and Internet Banking).
Eligible Investment Products refer to Investment Funds (excluding Money Market Fund), Bonds (excluding Retail Bond IPO), Equity-Linked Investments, Structured Notes, Currency- Linked Deposit (only including Currency-Linked Deposit which subscribed via inMotion) and Structure Deposit (only including Structured Deposit with a deposit period of six months or above).
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.
From 1 January 2025 to 30 June 2025 (both days inclusive), Credit Cardmembers can enjoy 1.5% cash rebate on Eligible Transactions with CNCBI Jewel World Mastercard, including 0.5% basic cash rebate and 1% extra cash rebate. The monthly maximum of the 0.5% 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 0.5%). The monthly maximum of the 1% extra cash rebate amount of the Eligible Accounts shall be HK$1,000. To be eligible for the 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.
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.

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 relating to the Robo 360 Advisory Services
(1) Using Robo 360 Advisory Services involve investment risks, market risks, partial execution risks, termination/suspension of Robo 360 Advisory Services, regulatory risks, investment strategy risks, diversification risks, performance risks and limitation of historical data. (2) Whilst the Bank may provide Rebalancing Alerts as it may determine appropriate after its review or upon occurrence of specific events, the Bank will not execute any Rebalancing Instruction automatically. If the investor does not provide Rebalancing Instructions to the Bank or there is any delay in providing such Rebalancing Instructions, the Selected Portfolio may become no longer suitable for the investor and the investor shall bear such consequences. (3) Portfolios construction and rebalancing are generated by a model-driven process according to the portfolio construction and methodologies set out by the Bank. The model is algorithm- and rule-based instead of attempting to recommend positon taking with respect to the direction of markets.

Risk Disclosure Statements for Bonds
(1) Investment involves risk. The prices of bonds can fluctuate, sometimes dramatically. The price of bonds may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling bonds. (2) Investing in this product is not equivalent to time deposit. This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. (3) Default/ Credit risk - There is a risk that the issuer may fail to pay you the interest or principal as scheduled. In the worst case scenario, you may not be able to receive back the interest and principal if the issuer defaults on the bond. (4) Interest rate risk - When the interest rate rises, the price of a fixed rate bond will normally drop. (5) Exchange rate risk - If your bond is denominated in a foreign currency, you may face an exchange rate risk if you choose to convert payments made on bond to your home currency. (6) Liquidity risk - If you need to sell the bonds before maturity for an urgent cash-flow need or use the capital for other investments, you may not be able to do this since the liquidity of the secondary bond market could be low. If you choose to sell your bond before it matures, you may lose part or all of your investment. (7) Reinvestment risk - If you hold a callable bond, when the interest rate goes down, the issuer may redeem the bond before maturity. If this happens and you have to re-invest the proceeds, you may not be able to enjoy the same rates of return. (8) Equity risk - If your bond is "convertible" or "exchangeable", you also face equity risk associated with the stock. A fall in the stock price will usually follow by a fall in the bond price.

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 Statement for Structured Deposit
(1) Not a time deposit – This product is NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. (2) Principal protection at maturity ONLY – This product is principal protected ONLY IF this product is held to maturity. If this product is early terminated, you may suffer from a substantial loss due to the devaluation of the embedded derivative(s). (3) Derivatives risk – This product is embedded with a currency swap with Spot Rate and Forward Rate as prescribed in the Product Term Sheet. Generally, when buying this product, you may be subject to market risk, credit risk, liquidity risk, legal risk and settlement risk. (4) Credit risk of the Bank – This product is not secured by any collateral. When you invest in this product, you will be relying on the Bank’s creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount. (5) Maximum potential loss – This product is principal protected at Maturity ONLY. You may lose your entire deposit amount if the Bank defaults in performing its obligations or there has been a tremendous devaluation of the Settlement Currency you receive at maturity. (6) Limited potential gain – The maximum potential gain is limited to the interest payment to be determined by reference to the Interest Rate. (7) No secondary market – This product is not a listed security. There is no secondary market for you to sell this product prior to its maturity.(8) Not the same as buying the Underlying currency – Investing in this product is not the same as buying the Linked Currency directly. Changes in the market price of the Linked Currency may not lead to corresponding changes to the market value and/or the performance of this product. (9) Liquidity risk – This product is designed to be held till maturity. You do not have a right to request early termination of this product before maturity. (10) Currency risk – If the Settlement Currency is not your home currency, and you choose to convert it back to your home currency upon maturity, you may make a gain or loss due to exchange rate fluctuations. (11) Risks relating to Renminbi – Where the Settlement Currency is in Renminbi, you should note that the value of Renminbi against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government’s control (for example, the PRC government regulates conversion between Renminbi and foreign currencies), which may adversely affect your return under this product when you convert Renminbi into your home currency. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

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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