Welcome to the China CITIC Bank International.

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Terms and Conditions / Fees & Charges / Notice of Changes

• General
• Credit Cards
• Cross-border Banking
• Deposits & Payment
• e-Banking
• Investments
• Personal Loans
• Private Banking / CITICdiamond / CITICfirst

General

Terms and Conditions

• Account Opening Terms and Conditions & Related Information
• General Terms and Conditions

Fees & Charges

• Bank Service Fees and Charges

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Credit Cards

Terms and Conditions

• CNCBI Credit Card Credit Cardmember Agreement
• CNCBI Dual Currency Credit Cardmember Agreement
• CNCBI Credit Card(virtual) Credit Cardmember Agreement
• Highlights of CNCBI Credit Cardmember Agreement /Highlights of General Terms and Conditions
• Highlights of CNCBI Dual Currency Credit Cardmember Agreement /Highlights of General Terms and Conditions
• Highlights of CNCBI Credit Card (virtual) Credit Cardmember Agreement
• Promotional Terms and Conditions for CNCBI Credit Card “Cash-In Installment Program”
• Promotional Terms and Conditions for CNCBI Credit Card "Retail Purchase Installment Program"
• Terms and Conditions for "Cash Rebate" Rewards Program
• Terms and Conditions for “CNCBI Dual Currency Credit Card Cash Rebate" Rewards Program
• Terms and Conditions for "Bonus Point Rewards Program”
• Terms and Conditions for CNCBI Jewel World Elite Mastercard^® and CNCBI Jewel World Elite Mastercard^® 0.5% Cash Rebate Rewards Program
• Terms and Conditions of CNCBI Credit Card Welcome Offer Promotion
• Terms and Conditions for CNCBI DCH Living Mastercard Card Bonus Point Redemption Program

Fees & Charges

• Please refer to respective page on the bank website for the latest Key Facts Statements.

Previous version document and Notice of Changes

• Notice of Amendment to CNCBI Credit Card Cash Rebate Rewards Program, CNCBI Dual Currency Credit Card Cash Rebate Rewards Program and Bonus Point Rewards Program (Effective from 1 May 2023)

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Cross-border Banking

Terms and Conditions

• Cross-Boundary Wealth Management Connect (Southbound Scheme) Supplemental Terms and Conditions
• Cross-Boundary Wealth Management Connect (Northbound Scheme) Supplemental Terms and Conditions

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Deposits & Payment

Terms and Conditions

• Terms and Conditions for Deposit Accounts
• Terms and Conditions for ATM Card
• Terms and Conditions for e-Cheques
• Terms & Conditions for Bank Services relating to Faster Payment System (“FPS”) (Effective from 26 November 2023)

Previous version document and Notice of Changes

• Notice of Amendments to Terms and Conditions for Bank Services relating to Faster Payment System (“FPS”)
• Terms & Conditions for Bank Services relating to Faster Payment System (“FPS”) (Obsoleted by 26 November 2023)

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e-Banking

Terms and Conditions

• Terms and Conditions for i-banking Service
• Terms and Conditions for inMotion
• Terms and Conditions for eStatement and eAdvice Service
• Risks and Important Notes for e-Statement and e-Advice service
• Applicant Declaration
• CNCBI Open Application Programming Interface (“API”) Portal Terms of Use
• Terms and Conditions for Biometric Authentication Login Service
• Terms and Conditions for Live Chat
• Terms and Conditions for Electronic Message Alert Service
• Terms and Conditions for WeChat Payment Authorization

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Investments

Terms and Conditions

• Agreement for Market Data Display Services
• Investor Identification Regime for Hong Kong Securities Trading
• Robo360 Advisory Services Supplemental Terms and Conditions
• Terms and Conditions for One Account
• Terms and Conditions for Use of the Mobile Application for inVest by CNCBI
• Terms and Conditions for Biometric Authentication Login Service for inVest by CNCBI
• Terms and Conditions for Foreign Exchange and Gold Margin Trading Service
• Terms and Conditions for Foreign Exchange and Gold Pro Trading Service
• Terms and Conditions for Use of the Mobile Application for FX Go By CNCBI (“FX Go”)

Fees & Charges

• Investment Products Service Fees and Charges

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Personal Loans

Terms and Conditions

• Terms and Conditions for $mart Plus Personal Installment Loan and General Terms and Conditions
• Terms and Conditions for Dollar$mart Personal Installment Loan and General Terms and Conditions
• Terms and Conditions for Personal Loan Under 100% Personal Loan Guarantee Scheme and General Terms and Conditions
• Terms and Conditions for Personal Line of Credit and General Terms and Conditions

Fees & Charges

• Please refer to respective page on the bank website for the latest Key Facts Statements.

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Private Banking / CITICdiamond / CITICfirst

Terms and Conditions

• Private Banking Terms and Conditions for Banking and Investment Services
• Terms and Conditions for CITICdiamond Wealth Management Service
• Terms and Conditions for CITICfirst Wealth Management Service

Fees & Charges

• Private Banking Investment Products and Bank Service Fees and Charges

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