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If newly register customer successfully apply for a credit card& within the same calendar month of registering for the 'PAYROLLplus' Account, you will be eligible for the following rewards:
| Monthly Salary Range (HKD) | Reward (HKD) |
| $100,000 or above | HK$2,000 |
| $60,000 to below $100,000 | HK$1,700 |
| $30,000 to below $60,000 | HK$1,200 |
| $20,000 to below $30,000 | HK$500 |
| Monthly Salary Range (HKD) | Reward (HKD) |
| $100,000 or above | HK$900 |
| $60,000 to below $100,000 | HK$500 |
| $30,000 to below $60,000 | HK$400 |
| $20,000 to below $30,000 | HK$350 |
| Daily Balance in your PAYROLLplus Account (HKD) | Account Preferential Interest Rate (p.a.) |
| First HK$5,000,000 | 1.88% |
Personal Instalment Loan without income proof^ to enjoy Annualized Percentage Rate as low as 1.90%# and up to 4 Tokyo Round-Trip Tickets+ Reward
Download via App Store
or Google Play
Download via
Baidu App Searcher or
click here to download
Android APK
Remarks: Some hyperlinks allow you to leave China CITIC Bank International Limited website. Please read our Hyperlink Policy.
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Remarks:
* Subject to the Promotional Terms and Conditions for PAYROLLplus Account
& Applicable to apply for CNCBI Jewel World Elite Mastercard® Card / CNCBI Jewel World Mastercard® Card /CNCBI DCH Living Mastercard® Card / CNCBI Motion Credit Cards / CNCBI Motion Credit Cards(virtual) and/or CNCBI GBA Dual Currency Credit Card.
^ The Bank reserves the right to request customers to provide supporting document for approval purpose depending on the situation.
# The APR 1.90% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.001%, including a Handling Fee of 1% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
+ Customers apply for $mart Plus Personal Installment Loan, $mart Plus Personal Installment Loan - Debt Consolidation or Top Up Loan with the Bank during the period from now until 30 June 2024 and successfully drawdown with loan amount of HK$200,000 or above and repayment period of 36 months or above shall be entitled to ONE of the following two rewards, as detailed below:
| Loan Amount1 | Reward 1 Flight Tickets |
Reward 2 Credit Card Spending Credit |
| HK$200,000 - HK$499,999 | 2 Bangkok Round-Trip Tickets | HK$1,000 |
| HK$500,000 - HK$999,999 | 2 Tokyo Round-Trip Tickets | HK$3,000 |
| HK$1,000,000 - HK$1,499,999 | 2 Bangkok Round-Trip Tickets; and 2 Tokyo Round-Trip Tickets |
HK$5,000 |
| HK$1,500,000 or above | 4 Tokyo Round-Trip Tickets | HK$8,000 |
1 If customers apply for Top Up Loan, the loan amount is calculated by approved top up loan amount.
Terms and Conditions apply. For details, please click here.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
