CCB (Asia) JD Credit Card

Last Updated: Apr 2022

Min. Annual Income


Local Spending - Cashback Rate


Overseas Spending - Cashback Rate

4% Cash Rebate for online spending
Perpetual annual fee waiver
Octopus Reload Rebate
Utilities Wallet Rebate
Annual Fee Waiver
Digital Wallet Rebate
MoneyHero Exclusive Offer

Great for

  • 4% Cash Rebate for Online Shopping
    • Spending on and other online shopping platforms: 4% cash rebate
    • Other local and overseas spending: 0.5% cash rebate
    • Electronic wallet top-up or fund transfer, payment for insurance policies issued by insurance companies, all Octopus reloading and online bill payment are entitled to 0.5% cash rebate.
    • Cash rebate will be distributed in the form of bonus points. Bonus points will be converted to cash rebate in every statement date automatically.
  • Exclusive Privileges on JD Platform
    • “Monthly Exclusive Benefit” Discount coupons value RMB99
      • Including ¥30 shipping and ¥69 shopping coupons
      • Promotion Period: till 31 December 2021
    • “Instantly Random Discount” Discount value up to RMB299 every order
      • Enjoy “Instantly Random Discount” ranging from RMB1 to RMB299 when settling payment
      • “Instantly Random Discount” is limited to 500 orders every day
      • Promotion Period: till 31 December 2021
    • “VIP Day” Discount coupons of value up to RMB598 on the 6th of each month
      • Cardmembers shop at JD Platform on 6th of each month and pay by CCB (Asia) JD Credit Card will have a chance to enjoy discount coupon package
      • Including RMB50 shipping and RMB548 shopping coupons
      • The cardmember’s package is limited to 2,000 orders per month on first come first served basis while stock lasts
      • Promotion Period: till 31 December 2021
    • “First Order Benefit” - Discount coupons value RMB578
      • Applicable for cardmembers who have not consumed on JD platform by CCB (Asia) JD Credit card and can enjoy it for one time only
      • Including RMB10 shipping and RMB568 shopping coupons
      • Promotion Period: till 31 December 2021
    • Exclusive Privileges on JD Platform are only applicable for,HK.JD.COM and JD APP (Hong Kong and Macau China) orders
  • Perpetual Annual Fee Waiver

Need to know

  • Extra Bonus Point Cap on eligible online transactions of the 4% Cash Rebate Rewards Programme
    • The accumulated maximum extra 7X bonus points for the Rewards per Eligible Card account is 1,000,000 bonus points per calendar year during Promotion Period.
  • Bonus Point Cap on Transactions of Online Bill Payment(s) and Payment(s) to Insurance Companies
    • The total Bonus Points earned for each calendar year will be capped at 12 times of the latest approved combined credit limit (not applicable to temporary increase in credit limit) for transaction(s) of online bill payment(s) and payment(s) to insurance companies
  • Exclusive Privileges on JD Platform are only available for orders destinations are Hong Kong, Macau, Taiwan and other non-Mainland China regions, only applicable for,HK.JD.COM and JD APP (Hong Kong and Macau China) orders.
  • Terms and conditions apply.
  • To borrow or not to borrow? Borrow only if you can repay!

Year-round rewards

Online Shopping Spending (Local)
Online Shopping Spending (Overseas)
Digital Wallet Spending
Overseas Spending
Local Spending
Octopus Top Up Spending
Dining Spending
Online food delivery spending: 4% rebate; other non-online spending: 0.5% rebate


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 HKD200/RMB200)
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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