China CITIC Bank International

From 3 January 2025 to 2 July 2025, New Cardmembers¹ who successfully apply for CNCBI GBA Dual Currency Credit Card can enjoy 10% Cash Rebate on spending in foreign currency or HK$600 Cash Rebate:

Welcome Offers to choose 1 from 2

10% Cash Rebate on spending in foreign currencies²

New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies (include RMB) made with the GBA Dual Currency Credit Card in the first 3 months starting from the card issuance month ( “Spending Period” ), subject to a maximum of HK$1,000 Cash Rebate during the Spending Period, together with the 4% RMB Spending Cash Rebate, you can get up to 14% Cash Rebate in total.

HK$600 Cash Rebate

New Cardmembers who make retail transactions³ with CNCBI GBA Dual Currency Credit Card with the accumulated amount of HK$6,000 in the first 2 months starting from the card issuance month can enjoy HK$600 Cash Rebate.

First Year Annual Fee Waiver

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Remarks:

New Cardmembers are applicants who do not currently hold and have not cancelled any principal card of CNCBI Credit Card issued by the Bank in the past 12 months from the month of approval of their current applications for a principal card of the Eligible Credit Card.
Eligible spending in foreign currencies include posted retail and online transactions settled in any non-Hong Kong dollars.
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).

^ Mobile Wallet refer to WeChat Pay (HK Wallet) and Union Pay App Payment

The above photos, details and reference price are for reference only. The offers are subject to applicable terms and conditions. Please refer to the terms and conditions for details.

CNCBI GBA Dual Currency Credit Card

RMB Spending up to 10% Cash Rebate

Unlock an array of spending privileges in Mainland China with your CNCBI GBA Dual Currency Credit Card. A smart tip to bind your card to UnionPay APP before your trip to enjoy a range of instant merchant discounts plus exceptional Cash Rebate reward by card payment and QR code payment!

Privilege 1: Up to 10% Cash Rebate on RMB Spending & Handling Fee Waiver for Overseas Spending

From 1 January to 30 June 2025, earn up to 10% cash rebate on eligible RMB/mobile wallet^ spending with the card of a maximum of extra HK$500 cash rebate per calendar month:

Spending Categories		• RMB Spending • Mobile Wallet^ Spending	• RMB Spending (Single spending of CNY3,000 or above)
Cash Rebate Offer		4% Cash Rebate*	Extra 6% Cash Rebate^#
Maximum Extra Cash Rebate Amount	Per Day	HK$120	HK$200
Maximum Extra Cash Rebate Amount	Per Calendar Month	HK$200	HK$300

^ Mobile Wallet refer to Wechat Pay (HK Wallet) and Union Pay App Payment (consumer presented QR code payment mode)
* Includes the basic Cash Rebate offered under the "CNCBI Dual Currency Credit Card Cash Rebate" Rewards Program.
^# The RMB spending of extra 6% cash rebate does not include all WeChat Pay/ Alipay/ PayMe transactions.

What’s more, there is no foreign currency transaction handling fee with the card!

Privilege 2 : Airport Lounge Service and Fabulous Dining

1Free Global Airport Lounge Benefit with Eligible Spending

From 16 December 2024 to 31 December 2025, get a Free Global Airport Lounge Privilege upon pre-registration on U Rewards at UnionPay App and make eligible spending at offline retail merchants with UnionPay App. Quota applies and on a first-come-first-served basis while quota lasts. The offer is subject to relevant terms and conditions, please refer to here for details.

A free single entry to Airport Lounge, applied to over 1,200 airport lounges globally
Airport Lounge Dining Service

2Buy One Get One Free for Starred Hotel Buffet and Afternoon Tea

From 26 September 2024 to 31 August 2025, enjoy buy one get one free at over 80 restaurants of luxury hotels in more than 30 cities across Mainland China. Cardmembers are required to make a reservation of the restaurant and timeslot at UnionPay App at least 24 hours in advance. The offer is subject to relevant terms and conditions, please refer to here for details.

Privilege 3：Instant Discount of up to CNY100 from Designated Merchants

Enjoy the following instant discount offers upon designated spending at below merchants in mainland China with the card during the promotion period:

Merchant	Offer Details (RMB)	Promotion Period
HEYTEA, CHAGEE	Enjoy ¥10 off upon spending ¥30	From now to 30 June 2025
Holiland, Häagen-Dazs	Enjoy ¥20 off upon spending ¥50
Zuo Ting You Yuan	Enjoy ¥50 off upon spending ¥300
Jade Garden	Enjoy ¥100 off upon spending ¥300
Car Inc	Enjoy ¥50 off upon spending ¥500

UnionPay App Add Card & Consumer Presented Mode Payment Guide

How to add CNCBI GBA Dual Currency Credit Card on UnionPay App

Tap on “Add Card” in “Card Management”

Input credit card number or scan the card

Confirm mobile no.* and enter required card details
* must be the same as the one previously registered at the Bank

Enter SMS verification code

Set up and confirm your payment PIN

Credit card successfully added

How to pay with consumer presented mode⁺

Select “Payment Code”

QR code scanned by merchant (Remark: Payment PIN will be requested for high value transaction)

Payment completed

⁺ Applicable to merchants with below icon

Other Features and Benefits

Remarks of Privilege 1:

Up to 4% Cash Rebate on Mobile Wallet and RMB Spending includes (i) Basic Cash Rebate under "CNCBI Dual Currency Credit Card Cash Rebate" Rewards Program ("Basic Cash Rebate") and (ii) Extra Mobile Payment and/or RMB Spending Cash Rebate. 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.
The Bank will convert the total Eligible RMB Spending and Eligible Mobile Wallet Spending to Hong Kong Dollars based on the currency exchange rate of CNY1 to HKD1 to determine the Eligible Cardmember's entitlement to the Extra Cash Rebate and calculate the Extra Cash Rebate amount that each Eligible Cardmember entitled. The Extra Cash Rebate will be credited to Eligible Cardmember’s GBA Credit Card account within 3 months after each spending month and will be shown on the credit card monthly statement.
Definition of Eligible Spending
1. Eligible Renminbi Spending includes any retail or online retail transactions posted in Renminbi currency (based on the currency posted on the credit card statement).
2. Eligible Mobile Wallet Spending includes:
  1. Retail transactions conducted by Wechat Pay (HK wallet), excluding bill payments;
  2. Any transactions conducted by Consumer-Presented QR code mode in UnionPay App Mobile Payment. For the avoidance of doubt, Merchant Presented QR code mode, transportation payment or E-commerce/online transactions conducted in UnionPay App Mobile Payment are excluded.
3. Whether a transaction is an Eligible Renminbi Spending and/or an Eligible Mobile Wallet Spending shall be determined at the sole and absolute discretion of the Bank. If an Eligible Renminbi Spending is conducted by UnionPay App Mobile Payment Consumer Presented QR code mode (i.e. also an Eligible Mobile Wallet Spending), such spending will only be counted once under the 10% Cash Rebate Program.

Remarks of Privilege 2:
The offer is provided by UnionPay International, and subject to relevant terms and conditions. You may refer to details at UnionPay International webpage. If there is any discrepancy on the privilege details between the Bank and UnionPay International, the version of UnionPay International shall prevail.

Remarks of Privilege 3:
The offer is subject to quotas on a first-come, first-served basis. The offer is provided by UnionPay International, and subject to relevant terms and conditions. Please click here for more details.

The above photos, details and reference price are for reference only. The offers are subject to applicable terms and conditions. Please refer to the terms and conditions for details.