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China CITIC Bank International Limited
China CITIC Bank International Limited
Official site
www.cncbinternational.com
Last verified
25 Oct 2026
Credit cards
8
Personal loans
5
Traditional bank accounts
3
Credit cards
8
China CITIC Bank International Limited
CNCBI Motion Credit Card
Annual fee
To be verified
Purchase APR
Retail purchase APR is 34.49% when the account is opened, subject to review.
Minimum income
To be verified
0.4%
Basic cash rebate on eligible retail transactions under the Cash Rebate Rewards Program · ≤HK$400 · per calendar month
6%
Dining and online spending with eligible retail transactions of HK$3,800 or above in the calendar month (0.4% basic plus 5.6% extra) · ≤HK$200 · year round during the promotion period
Annual fee waiver
First-year annual fee waiver for the CNCBI Motion Credit Card
Source: CNCBI Motion credit card product page
Updated
19 Oct 2026
China CITIC Bank International Limited
CNCBI JD Mastercard
Annual fee
To be verified
Purchase APR
Retail purchase APR is 34.49% when the account is opened, subject to review.
Minimum income
To be verified
4%
Eligible retail spending at designated JD merchants (JD App, JD Mall Hong Kong and Kai Bo Food Supermarket) · ≤HK$200 · cap HK$200 per calendar month
6%
Extra cash rebate on a single eligible transaction of HK$5,000 or above at JD App, JD Mall Hong Kong and Kai Bo Food Supermarket · ≤HK$300 · cap HK$300 per calendar month
Annual fee waiver
New credit card customers' welcome offer includes a first-year annual fee waiver
Source: CNCBI JD Mastercard
Updated
19 Oct 2026
China CITIC Bank International Limited
CNCBI Hong Kong Airlines Mastercard
Annual fee
To be verified
Purchase APR
Retail purchase APR is 34.49% when the account is opened, subject to review.
Minimum income
To be verified
0.5
Eligible spending (auto-converted to FWC points, with no handling fee) · Promotion period from now until 31 December 2026
Annual fee waiver
First-year annual fee waived
Source: CNCBI Hong Kong Airlines Mastercard
Updated
19 Oct 2026
China CITIC Bank International Limited
CNCBI CITICfirst Platinum Card
Annual fee
HK$0
Purchase APR
Retail purchase APR is 34.49% when the account is opened, subject to review.
Minimum income
To be verified
Annual fee waiver
Perpetual annual fee waiver
Source: CNCBI CITICfirst Platinum Card
Updated
19 Oct 2026
China CITIC Bank International Limited
CNCBI CITICdiamond UnionPay DCC Credit Card
Annual fee
HK$0
Purchase APR
Retail purchase APR is 34.49% on both HKD and RMB accounts when opened, subject to review.
Minimum income
To be verified
4%
E-wallet (WeChat Pay Hong Kong wallet and the UnionPay App) and RMB spending
Annual fee waiver
Perpetual annual fee waiver
Source: CNCBI CITICdiamond UnionPay DCC Credit Card
Updated
19 Oct 2026
China CITIC Bank International Limited
CNCBI Motion Virtual Credit Card
Annual fee
HK$0
Purchase APR
Retail purchase APR is 34.49% when the account is opened, subject to review.
Minimum income
To be verified
0.4%
Basic cash rebate on eligible spending (the Cash Rebate rewards programme) · ≤HK$400 · monthly cap HK$400
6%
Dining and online spending with cumulative eligible retail spending of HK$3,800 or above per calendar month (0.4% basic plus 5.6% extra cash rebate) · ≤HK$200 · From now until 31 December 2026; the 5.6% extra cash rebate cap counted per calendar month
Annual fee waiver
Perpetual annual fee waiver
Source: CNCBI Motion Virtual Credit Card
Updated
21 Sep 2026
China CITIC Bank International Limited
Jewel World Mastercard
Annual fee
HK$0
Purchase APR
Retail purchase APR is 34.49% when the account is opened, subject to review.
Minimum income
To be verified
0.4%
Basic cash rebate on retail spending (monthly cap: the bank-approved credit limit multiplied by 0.4%) · All year round (the Cash Rebate rewards programme)
1.1%
Extra cash rebate on retail spending (must be a PAYROLLplus Account customer meeting the designated automated payroll requirements; 1.5% in total with the 0.4% basic cash rebate) · ≤HK$1,000 · Promotion period from now until 31 December 2026; cap counted per calendar month
Annual fee waiver
Perpetual annual fee waiver
Source: CNCBI Jewel World Mastercard
Updated
21 Sep 2026
China CITIC Bank International Limited
Jewel World Elite
Annual fee
HK$3,800
Purchase APR
Retail purchase APR is 34.49% when the account is opened, subject to review.
Minimum income
To be verified
0.4%
Basic cash rebate on eligible spending (monthly cap: the bank-approved credit limit multiplied by 0.4%) · All year round (the Cash Rebate rewards programme)
2.1%
Extra cash rebate on retail spending (2.5% in total with the 0.4% basic cash rebate) · ≤HK$3,800 · Promotion period from now until 31 December 2026; cap counted per calendar month
Annual fee waiver
Customers with total deposits of HK$8,000,000 or above enjoy an annual fee waiver, credited to the card account as an HK$3,800 cash rebate; the supplementary card annual fee of HK$1,900 is also waivable
Source: CNCBI Jewel World Elite Credit Card
Updated
21 Sep 2026
Personal loans
5
China CITIC Bank International Limited
$mart Plus Personal Installment Loan
APR
As low as 1.38%
Loan amount
Up to 18x monthly salary or HK$2,000,000 (whichever is lower)
Monthly flat rate
0.02%
Tenor
6–60
Source: CNCBI $mart Plus Instalment Loan
Updated
19 Oct 2026
China CITIC Bank International Limited
Personal Line of Credit
APR
To be verified
Loan amount
Up to 4x monthly salary or HK$400,000 (whichever is lower)
Monthly flat rate
To be verified
Tenor
To be verified
Source: CNCBI Personal Line of Credit
Updated
19 Oct 2026
China CITIC Bank International Limited
Payroll Cash
APR
P+0.50%
Loan amount
Up to 4x monthly salary or HK$400,000 (whichever is lower)
Monthly flat rate
To be verified
Tenor
To be verified
Source: CNCBI Payroll Cash
Updated
19 Oct 2026
China CITIC Bank International Limited
$mart Plus Personal Installment Loan – Debt Consolidation
APR
To be verified
Loan amount
Up to 21x monthly salary or HK$2,000,000 (whichever is lower)
Monthly flat rate
0.2%
Tenor
12–72
Source: CNCBI Loan Consolidation
Updated
19 Oct 2026
China CITIC Bank International Limited
Easy Loan
APR
To be verified
Loan amount
Up to 6x monthly salary or HK$500,000 (whichever is lower)
Monthly flat rate
To be verified
Tenor
6–60
Source: CNCBI Easy Loan
Updated
19 Oct 2026
Traditional bank accounts
3
China CITIC Bank International Limited
Multi-currencies Statement Savings Account
Account type
Multi-currencies Statement Savings Account (up to 12 currencies: Australian dollar, Canadian dollar, Euro, Hong Kong dollar, Japanese yen, New Zealand dollar, Norwegian krone, pound sterling, Renminbi, Singapore dollar, Swiss franc, US dollar)
Minimum balance
HK$1,000
Maintenance fee
To be verified
Interest
To be verified
Source: CNCBI Savings Account
Updated
25 Oct 2026
China CITIC Bank International Limited
inMotion
Account type
inMotion
Minimum balance
To be verified
Maintenance fee
To be verified
Interest
To be verified
Source: CNCBI inMotion
Updated
25 Oct 2026
China CITIC Bank International Limited
CITIC first Wealth Management
Account type
CITIC first Wealth Management
Minimum balance
HK$1,000,000 average daily relationship balance
Maintenance fee
HK$600/quarter; waived at an average daily relationship balance of HK$1,000,000
Interest
To be verified
Current offers:
Exclusive for new CITIC first customers: up to 3.30% p.a. total interest rate on HKD time deposits and a range of exclusive wealth management offers
Source: CNCBI CITICfirst
Updated
2 Oct 2026
