China CITIC Bank International

Unlock a full range of lifestyle privileges with the CNCBI DCH Living Mastercard Card from everyday food, automobile purchases / leases / maintenance to home appliances. Enjoy unbeatable offers and earn up to 15X Bonus Points¹ daily with the card!

Basic Welcome Offer

Successfully apply from now till 31 December 2026 to enjoy

New Credit Cardmembers²

Cash Rebate³

Existing Credit Cardmembers²

Cash Rebate³

Perpetual Annual Fee Waiver

Spending Rewards

Earn Bonus Points

15X Bonus Points³ when spending at designated DCH Merchants

HK$1 Spending = 15 Bonus Points

Designated DCH Merchants

Living

DCH Living Lifestyle eShop

Motor

DCH Motor Service Centre
DCH Certified Used Car
DCH Mobility
DCH Motor Service Centre – Parts Central
Hong Kong Motor Club eShop
Bentley Hong Kong Showroom (under Dah Chong Hong Holdings)
Honda Hong Kong Showroom (under Dah Chong Hong Holdings)
Nissan Hong Kong Showroom (under Dah Chong Hong Holdings)

Electrical

ahaa
DCHAV Showroom
DCH ToolBox
Electrolux Showroom
Gilman Gallery
I.D. Shop

Basic Spending 1x Bonus Point

HK$1 Spending = 1 Bonus Point

Redeem Rewards⁴

hk$100

DCH Living Lifestyle eShop e-Coupon Code

(Bonus Points Required: 20,000)

Cash Rebate

(Bonus Points Required: 25,000)

Example: Spend HK$1,334 with the Credit Card at designated DCH Merchants

Spending	Basic Bonus Points	Extra Bonus Points	Total Bonus Points	Redeemable Reward	Rebate % equivalent to
HK$1,334	1,334 Bonus Points	18,676 Bonus Points	20,010 Bonus Points	HK$100 DCH Living Lifestyle eShop e-Coupon Code	7.4% Rebate

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).

DCH Merchants Year-Round Offers⁶

Living

DCH Living Lifestyle eShop

Enter the promo code "LIVINGFOOD" upon checkout to enjoy 5% off all food and wine items (excluding merchant direct products & specified products)

Remarks: Not applicable to products on the ahaa eShop and DCH Foods eShop.

Auto

MOTOGO | Hong Kong Motor Club

New members who register on MOTOGO app with referral code "CITIC26" will receive a welcome gift of 10,000 MOTOS points and a HK$100 voucher

Remarks: Applicable to single purchase of HK$800 or more on the MOTOGO or Hong Kong Motor Club eShop.

DCH Motor Service Centre

30% off Japanese Crystal 9H Car Coating and 7H Aqua Shield
Complimentary Interior Ozone Treatment upon purchase of ALL-in-One Maintenance Plan
Extra 5% off repair labour charges

Remarks: This promotion may not be combined with any other offers. This service is non-transferable, cannot be exchanged for cash, and is non-refundable.

DCH Mobility

Up to 20% off local car rental services
5% off limousine services

DCH Certified Used Cars

Complimentary 7H Glass Coating upon any purchase

Electronics

Gilman Gallery

20% off selected regular-priced items
25% off maintenance renewals with the DCH Toolbox Service Centre

Electrolux Showroom

Up to 20% off selected items
5% off regular-priced items

Remarks: Not applicable to accessories, b-grade/display products, or extended Warranty Services.

DCH AV Showroom

Up to 15% off selected items
10% off regular-priced items

I.D. Shop

10% off regular-priced items

Remarks: Not applicable to computer / notebook / mobile phone purchases.

Remarks:

Promotion period is till 31 December 2026. 15X Bonus Points include basic 1X Bonus Point and the extra 14X Bonus Points from designated DCH merchants. The monthly maximum of 1X basic Bonus Point shall be the Cardmember’s credit limit as approved by the Bank. The monthly maximum of the extra 14X Bonus Points is 200,000 Bonus Points.
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 the CNCBI DCH Living Mastercard Card or else they will be regarded as existing Cardmembers. Welcome Offer is not applicable to Existing Cardmembers who have cancelled any Eligible Credit Card in the past 12 months from month of approval of their CNCBI DCH Living Mastercard Card.
Promotion period is from now till 31 December 2026. It is required to make retail transactions with the accumulated amount of HK$3,800 in the first 2 months starting from the card issuance month. Eligible Retail Transactions include Local and Overseas Retail Spending, Online Retail Transactions, and Retail Transactions made via mail order or by phone.
Gift must be redeemed through the Bank's mobile application “inMotion App”.
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.
DCH merchant offers are provided by individual DCH merchants and are subject to additional terms and conditions. Please contact the relevant merchants for details.

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