Experience the ultimate convenience and rewards with China CITIC Bank International JD Mastercard® Card! Designed to integrate seamlessly into your lifestyle, this card offers a comprehensive suite of exclusive benefits across JD group's diverse ecosystem. Elevate your everyday spending with JD's privileges and make every purchase count!
Welcome Offer
Successfully apply from now till 31 December 2026 to enjoy
Up to HK$9001 Cash Rebate for New Cardmembers2
First Year Annual Fee WaiverUp to CNY 220 Bind Card Rewards3
From now till 31 December 2026, bind your China CITIC Bank International JD Mastercard® Card to JD Pay to enjoy
Instant discount
CNY 20
on the transaction with the card at JD App upon spending of CNY 100 or above3
Up to
CNY 200
CNY 20 instant discount for every CNY 200 spent with the card at JD App3
Spending Rewards
Up to 10% Cash Rebate by making eligible spending at designated JD merchants
| Eligible Spending | Eligible Spending at JD App, JD Mall Hong Kong and Kai Bo Food Supermarket | Single Eligible Spending of HK$5,000 or above at JD App, JD Mall Hong Kong, and Kai Bo Food Supermarket |
|---|---|---|
| Cash Rebate Offer | 4% Cash Rebate* | Extra 6% Cash Rebate |
| Maximum Rebate per Calendar Month | HK$200 | HK$300 |
*The 4% Cash Rebate includes the basic Cash Rebate offered under the prevailing “Cash Rebate” Rewards Program of the CNCBI JD Mastercard. For details, please refer to Terms and Conditions for “Cash Rebate” Rewards Program.
JD Merchant Exclusive Offers3
5% OFF4
Bind the card to JD Pay, grab coupons on every 18th of the month:
1 x JD App 5% coupon
1 x JD Mall HK 5% coupon
1 x Kai Bo Food Online Flagship Store at JD 5% coupon
1 x JD App 5% coupon
1 x JD Mall HK 5% coupon
1 x Kai Bo Food Online Flagship Store at JD 5% coupon
1,000 JING DOU
Gain 1 JING DOU for every CNY 10 spent with the card at JD App, with a maximum of 1,000 per month
JD Merchant Limited-time Offers3
JD Mall HK
- Free mobile screen protector application in-store
- HK$300 Cash Coupon upon bind card within limited time
- Free customized gift upon spending of HK$5,000 or above
JD App
- New JD App user will enjoy CNY 1 for selected products
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 spending6 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>
Other Features and Benefits
Octopus Automatic Add Value Service
Mobile Payment Service - Apple Pay
Mobile Payment Service - Google Pay
Merchant Instalment Plan
Credit Card “Cash Advance Instalment Programme”
Credit Card “Anytime Instalment” Spending Programme
Apply now to earn welcome offer of up to HK$9001 Cash Rebate!
Remarks:
- New cardmembers (as defined in clause 2 below) can enjoy HK$900 Cash Rebate upon accumulative spending of HK$10,000 at designated JD merchants (the “Eligible Spending”, as defined in clause 6 below) in the first 3 months starting from the card issuance month.
- 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.
- The offers of Bind Card Rewards, JD Merchant Exclusive Offers and JD Merchant Limited-time Offers are provided by JD and subject to the related Terms and Conditions, please refer to relevant merchants for details. If there is any discrepancy on the offer details between the Bank and the merchants, the version of JD merchants shall prevail.
- Cardmember may collect a 5% off coupon for each of JD App, JD Mall HK and Kai Bo Food online Flagship Store 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, 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.
- Eligible Spending include post retail transactions, online transactions, and mail/ phone order(s) at the designated merchants of JD group, including JD App, JD Mall Hong Kong and Kai Bo Food Supermarket. Eligible Spending do not include Redemption Fee, any transactions made via WeChat Pay/WeChatPayHK/Alipay /AlipayHK/PayMe and the monthly repayment amount of merchant instalment plan.
- 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.
Earn up to HK$9001 Cash Rebate!
Terms and Conditions for CNCBI JD Mastercard Promotional Program
Terms and Conditions of CNCBI Credit Card X Hong Kong Airlines 20th Anniversary Lucky Draw (the “Lucky Draw”) and Top Spender Award Promotion
Highlights of CNCBI Credit Cardmember Agreement and General Terms and Conditions
CNCBI Credit Card Cardmember Agreement
Terms and Conditions
Privacy Policy Statement
Risk & Important Notes for eStatement and eAdvice Services
Terms & Conditions for eStatement and eAdvice Services
Terms and Conditions for the ATM Card
Reminder: To borrow or not to borrow? Borrow only if you can repay!
