CCB (Asia) HOME+ Credit Card

Last Updated: Apr 2022

Min. Annual Income


Local Spending - Cashback Rate


Overseas Spending - Cashback Rate

Welcome Offers from China Construction Bank (Asia)

450 HOME+ Points (worth HK$450)
  • New customers spending of HK$5,000 or above in the first 3 months from card issuance date
  • 450 HOME+ Point will be credited in the form of 99,000 Credit Card Bonus Points.
  • Promotion Period: from 1 July to 30 September 2021
Enjoy 10% instant discount on purchases at HOME+ platform
Utilities Wallet Rebate
Annual Fee Waiver
Octopus Reload Rebate

Great for

  • Welcome Offer
    Requirement Welcome Offer

    New cardmembers accumulate total spending of HK$5,000 or above in the first 3 months from the card issuance date

    450 HOME+ Points
    (worth HK$450; 450 HOME+ Point will be credited in the form of 99,000 Credit Card Bonus Points)
  • HOME+ Credit Card Bonus Points Reward Scheme’s calculation method is simple and straightforward.
    • HK$1 spending = 1 Bonus Point (22,000 Bonus Points can redeem HK$100 Cash Rebate, which equals to 0.45% Cash Rebate)
    • You can earn Bonus Points by using Octopus automatic add-value service, paying online bills and paying to insurance companies.
    • Bonus Points can redeem vouchers.
  • Multiple Credit Card Offers, as low as 20% off
    • Shopping Offers
      • Enjoy 10% instant discount on purchases at HOME+ platform. No spending requirement.
      • 20% off on selected Hung Fook Tong Products.
    • Entertainment Offers
      • 10% off regular-priced movie tickets at Broadway Circuit.
  • Perpetual Annual Fee Waiver

Need to know

  • Welcome offer is only applicable to new applicants who have not owned any China Construction Bank (Asia) in the 6 months prior to the date of application.
    • Applicant must at any time in the 6 months ending on the date of application did not hold any principal credit card issued by China Construction Bank (Asia).
  • Bonus Points earned are valid for 2 years.
    • Bonus Points earned are required to redeem within 2 years.
    • Bonus Points earned will be forfeited without notice on the last day of the following calendar year.
  • Bonus Points Cap on Online Bill Payment(s) and Payment(s) to Insurance Companies
    • Total Bonus Points earned for each calendar year will be capped at 12 times of the latest approved credit limit for transaction(s) of online bill payment(s) and payment(s) to insurance companies.
      (Take HK$10,000 credit limit as an example. Since the Bonus Points cap would be 12 times of the credit limit, it would be 120,000 Bonus Points. Therefore, only the first HK$120,000 online bill payment(s) and/payment(s) to insurance companies are entitled to Bonus Points.)
  • To borrow or not to borrow? Borrow only if you can repay!

Year-round rewards

Local Spending
Overseas Spending
Online Shopping Spending (Local)
Online Shopping Spending (Overseas)
Octopus Top Up Spending


Minimum Age
18 years old
Min. Annual Income


Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee


Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus (if any) any overlimit amount and past due amount. (the minimum amount of Minimum Payment is HK$200
Late payment charge
5% of Minimum Payment due, subject to the minimum charge and the maximum charge listed below:
Minimum Charge HK$200 or equivalent to the Minimum Payment amount (whichever is lower)
Maximum Charge HK$250
Retail Purchase APR
Cash Advance APR
Interest Free Repayment Period
55 days

Other information

Credit card type

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