China CITIC Bank International

From now till 31 December 2026, 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.

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, online retail transaction(s) and retail transaction(s) incurred by way of mail/phone order(s).

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 now till 31 December 2026, earn up to 10% cash rebate on eligible RMB and UnionPay App spending with the card of a maximum of extra HK$400 cash rebate per calendar month:

Spending Categories	• RMB Spending • UnionPay App Spending	• RMB Spending (Single spending of CNY4,000 or above)
Cash Rebate Offer	4% Cash Rebate*	Extra 6% Cash Rebate^#
Maximum Extra Cash Rebate Amount per calendar month	HK$150	HK$250

* 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 : Up to 45% Cash Rebate on top of 5% Instant Discount on GBA Hotel Booking

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 below 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.

Promotion Code: CNCBI120H1026

Valid Period : 8 October 2026 10:00 a.m. to 8 November 2026 9:59 a.m.
Each GBA cardmember can redeem the promotion code once during the valid period.

Don’t hesitate, plan your trip to GBA cities and book hotels at Wing On Travel^{^}. Terms and Conditions applies.
^{^} Only Traditional Chinese version is available in Wing On Travel webpage.

Privilege 3 : Instant Discount of up to 50% OFF for 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
Häagen-Dazs, Naixue	¥10 off upon spending ¥30	From now to 31 December 2026
Holiland, Shake Shack	¥30 off upon spending ¥200
Zuo Ting You Yuan, Jade Garden, Haidilao Hot Pot	¥50 off upon spending ¥300
Designated metro in Beijing, Shanghai, Guangzhou, Shenzhen, Foshan, Dongguang	50% OFF, up to ¥4

Lucky Draw for Air Tickets and FWC Points
Promotion Period: From now till 31 December 2026
Successfully apply for a credit card/ debit card or make every single eligible spending⁵ of HK$200 or above with the card will be entitled to lucky draw chance!

Important Note for Winners:
To claim your Lucky Draw Prize or Top Spender Award, you must hold a valid CNCBI Hong Kong Airlines Mastercard® on or before 15 Feb 2027 and ensure your linked FWC membership account remains active at the time of the lucky draw (24 February 2027) and prize distribution (on or before 31 March 2027).

<Click here to view details now>

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 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. 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 UnionPay App Spending to Hong Kong Dollars based on the currency exchange rate of CNY1 to HK$1 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 promotion period and will be shown on the next credit card monthly statement.
Definition of Eligible Spending
1. Eligible RMB Spending includes any retail or online retail transactions posted in Renminbi currency (based on the currency posted on the credit card statement).
2. Eligible UnionPay App Spending includes retail transactions conducted by Consumer-Presented QR code mode in UnionPay App Mobile Payment. For the avoidance of doubt, Merchant Presented QR code mode, bill payment, service and charity payment, transportation payment or E-commerce/online transactions conducted in UnionPay App Mobile Payment are excluded.
3. Whether a transaction is an Eligible RMB Spending and/or an Eligible UnionPay App Spending shall be determined at the sole and absolute discretion of the Bank. If an Eligible RMB Spending is conducted by UnionPay App Mobile Payment Consumer Presented QR code mode (i.e. also an Eligible UnionPay App Spending), such spending will only be counted once under the 10% Cash Rebate Program.

Remarks of Privilege 2:
Instant 5% off is provided by Wing On Travel (the “Merchant”) and subject to the Merchant’s terms and conditions, please check with the Merchant for details. Please refer to the the Merchant for any enquiry of instant 5% off. In case of any disputes, the Merchant reserves the right of final decision.

Remarks of Privilege 3, 4, 5:
The offer is provided by UnionPay International, and subject to relevant terms and conditions. You may refer to details at UnionPay International webpage. The offer is subject to quotas on a first-come, first-served basis. Please click here for more details. If there is any discrepancy on the privilege details between the Bank and UnionPay International, the version of UnionPay International shall prevail.

Remarks of Air Ticket Lucky Draw:
During the Promotion Period, Eligible Customer using any CNCBI credit cards (except Business Card) issued by the Bank to make an Eligible Spending of HK$200 equivalent or above will earn one lucky draw chance for each transaction; and two lucky draw chances for each transaction if the Eligible Spending is an Eligible Foreign Currency Spending of HK$200 equivalent or above. For CITICdiamond customers, the chance(s) will be doubled. Eligible spending includes posted retail transactions, online transactions, retail transactions incurred by way of mail/phone order(s) (the “Eligible Spending”). For the avoidance of doubt, transactions which shall not be considered as Eligible Spending include, but not limited to, WeChat Pay/ WeChat Pay HK/ Alipay/ AlipayHK/ PayMe/ FPS transactions, autopay, ATM/ online bill payment (including but without limitation tax, parking, tolls, rent and utilities payment), Octopus Automatic Add-Value Service payment, balance transfers, the monthly repayment amount of Merchant Instalment Plan, repayments of Cash-in Program, Dollar$mart Personal Installment Loan, $mart Plus Installment loan, monthly repayments of Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan and Tax Interest Free Flexi Installment Program, handling fees and fees and charges, contribution to any unit trust /monthly investment plan, relevant insurance payment, payments to the Inland Revenue Department, purchase of casino chips, annual fees, finance charges, transaction made via mobile app/ funds transfer and merchant transaction via electronic fund transfer platform/ reload of e-wallets (include but not limited to any transfer made via person to person (P2P) payment services) and any other types of electronic transaction specified by the Bank from time to time, other banking service charges, any unposted/cancelled/ refunded/ invalid/ unauthorized transactions and any other types of transactions specified by the Bank from time to time. Whether a transaction is eligible is subject to the Bank’s (in its sole and absolute discretion) satisfaction and confirmation. In case of any dispute, the decision of the Bank shall be final and binding on Cardmembers. Foreign exchange involves exchange rate risk.

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.