Remarks:

1. Each customer is entitled to receive the Prize during the Promotion Period once only.

2. The up to HK$1,600 PAYROLLplus Welcome Reward including up to HK$600 Auto Payroll Reward and HK$1,000 CNCBI Jewel World Mastercard® Card Welcome Offer, for detail please refer to the Promotional Terms and Conditions for PAYROLLplus Account

3. If eligible customers apply for the CNCBI Jewelry World Mastercard® Card and CITIC Bank (International) Hong Kong Airlines Mastercard® Card at the same calendar month in PAYROLLplus Account registration month, they will only enjoy the Auto Payroll Reward

4. Only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications, and make accumulated eligible retail transaction of HK$25,000 in 150 days starting from the card issuance date. 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).

5. The Offer is valid from 1 January 2025 to 30 June 2025 (Hong Kong Time), both dates inclusive. This Offer is only applicable to customers who meet ALL the requirements below during the Promotion Period (the “Eligible Customer”): (a) Received the “Lifetime Stock Purchase Fee Waiver” mission (the “Mission”) via “Rewards Go!” on the Bank’s mobile application inMotion (the “inMotion”), and (b) Maintained a valid One Account whether in sole name or joint account. Eligible Customer can enjoy lifetime $0 brokerage commission for securities purchases of Hong Kong Stocks, U.S. Stocks and China A-shares executed through the One Account via inVest and inMotion (the “Purchases Fee Waiver”) if the below requirements are fulfilled: (a) Login to inMotion, click “Rewards Go!” and click “Register Now” button to register for the Mission during the Promotion Period. (b) Starting from the registration month, the Purchases Fee Waiver will continue if Eligible Customer maintains at least HKD 100,000 at each calendar month end in sum of his/her existing personal HKD current/savings/One Account Deposit accounts except time deposits (the “Eligible HKD Accounts”) thereafter. If Eligible Customer does not maintain at least HKD 100,000 at any calendar month end in sum of Eligible HKD Accounts, the Purchases Fee Waiver will be temporarily suspended in the following calendar month. Eligible Customer is required to maintain at least HKD 100,000 at the month end again in sum of Eligible HKD Accounts to resume the Purchases Fee Waiver for next calendar month. (c) If Eligible Customer does not maintain at least HKD 100,000 for 3 consecutive month ends in sum of Eligible HKD Accounts, the Purchases Fee Waiver will be terminated starting from the following month and cannot be resumed.

6. Customer should register MONOPOLY Deposit to enjoy MONOPOLY Deposit bonus interest rates, subject to the fulfillment of respective currency's minimum eligible fund requirement and maximum eligible fund amount cap.

Investment involves risks. 

The price of securities fluctuates, sometimes dramatically. The price of securities may move down or up and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of buying or selling securities. Investors should seek advice from own professional advisors as to particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. If investors investing in investment products denominated in non-local currency, one should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Before making any investment decision, investors should refer to the terms and conditions of relevant Securities Trading Services and risk disclosure statements and seek professional advice where needed. Renminbi (RMB) is subject to exchange rate risk. The Hong Kong dollar value of investment will decrease if the RMB depreciates against Hong Kong dollar. Conversion between RMB and other currencies (including Hong Kong dollar) is subject to policy restrictions relating to Renminbi and consequently the relevant regulatory requirements in Hong Kong. Such requirements may be amended subject to changes in the policy restrictions relating to RMB. RMB is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Terms and Conditions apply. For details:
Promotional Terms and Conditions for PAYROLLplus Account
Promotional Terms and Conditions for PAYROLLplus Bonus Lucky Draw

Reminder: To borrow or not to borrow? Borrow only if you can repay!

This promotional material does not itself constitute an offer of, or an invitation by or on behalf of China CITIC Bank International Limited (the “Bank”) to any person to purchase or acquire or invest in any investment products. China CITIC Bank International Limited is an authorized institution under the Banking Ordinance and is regulated by the Hong Kong Monetary Authority. For details: https://www.hkma.gov.hk/eng/ This promotional material is issued by the Bank and its contents have not been reviewed by the Securities and Futures Commission in Hong Kong.