CCB (Asia) Octopus Auto Living UnionPay Diamond Card

Last Updated: Apr 2022
$
150,000

Min. Annual Income

0.4
%

Local Spending - Cashback Rate

0.4
%

Overseas Spending - Cashback Rate

OFFERS
BENEFITS
ELIGIBILITY
APR/FEES

Welcome Offers from China Construction Bank (Asia)

OFFER 1
10% Cash Rebate (equivalent to HK$500 cash rebate)
  • New customers spending of HK$5,000 or above in the first 3 months from Card issuance date (including 1 time Octopus Auto Reload)
  • Promotion Period: from 1 August to 31 December 2021
Best for car owners
Perpetual annual fee waiver
Annual Fee Waiver
Octopus Reload Rebate
MoneyHero Exclusive Offer

Great for

  • Welcome Offer
    Requirements Welcome Offer

    Minimum total spending of HK$5,000 in the first 3 months from Card issuance date
    (including 1 time Octopus Auto Reload)

    		 10% Cash Rebate
    (equivalent to HK$500 Cash Rebate)
  • Up to HK$100 cash rebate for Parking Offer on every month
    • Pay for parking fees with Octopus built-in function of the card to enjoy HK$5 cash rebate or full parking fee cash rebate (whichever is lower) during the promotion period. The maximum cash rebate will be awarded per month is HK$100. The cash rebate will be credited to the corresponding principal Cardmember’s account.
    • No prior registration required.
  • Earn bonus points by settling your CCB (Asia) Auto Loan payment with the card
  • Auto Living - Spending Instalment Plan
    • Applicable to auto-related transaction of HK$1,000 or above within 3 months
    • Including transactions made in Garage, Car repairing company, Auto parts & accessories Store, Car beauty companies, Car trading companies and Car Insurance companies
    • Preferential monthly flat rate of 0.17%; and with up to a 5-year repayment period
  • Auto Living Year-Round Special Offers
    • Offers cover car detailing services, car rental services and online shopping offers
  • Earn bonus points when you spend with the card. Bonus points will be automatically converted to cash rebate, and deposited into the credit card account.
    • Earn 1 Bonus Point for every CNY/HK$1 spent. 250 bonus points are equivalent to CNY/HK$1, aka 0.4% cash rebate.
  • Perpetual annual fee waiver

Need to know

  • Welcome offer is only applicable to applicants who 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).
  • Promotion period of Parking Cash Rebate Program, Auto Living - Spending Instalment Plan and Auto Living Year-Round Special Offers: from 30 October 2020 to 31 December 2021
  • Earn bonus points when you spend with the card. Bonus points will be automatically converted to cash rebate, and deposited into the credit card account.
    • Earn 1 bonus point for every CNY/HK$1 spent. 250 bonus points are equivalent to CNY/HK$1, aka 0.4% cash rebate.
    • Bonus points will be automatically converted to CNY or HKD on a monthly basis.
  • If you request early repayment of the total instalment amount, the Bank will charge you a termination fee of HK$500 by direct debit from the Account.
    • In such event, any promotional flat rate under this Program shall not be applicable to the total instalment amount, and the Bank shall apportion the interests and the principals in each Repayment Amount (including those already paid to the Bank) in accordance with Rule 78.
  • Terms and conditions apply.
  • To borrow or not to borrow? Borrow only if you can repay!

Year-round rewards

CASH REBATE
Local Spending
0.4%
Overseas Spending
0.4%
Octopus Top Up Spending
0.4%

Year-round benefits

OFFER 1
Access to LoungeKey Greater China Airport Lounge for 3 times with HK$12,000 spending

Eligibility

Min. Annual Income
HK$150,000
Minimum Age
18 years old

Fees

Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
Waived

Repayment

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/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
36.07%
Cash Advance APR
37.98%
Interest Free Repayment Period
55 days

Other information

Credit card type
UnionPay Diamond

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