CNCBI GBA Dual Currency Credit Card
Last Updated: Oct 2021
$ 150,000
Min. Annual Income
4 %
Local Spending - Cashback Rate
UnionPay App Mobile Payment
Basic Cash Rebate: 0.55%
4 %
Overseas Spending - Cashback Rate
on RMB spending
Basic Cash Rebate: 0.55%
Exclusive Offer
from MoneyHero
  • OFFER 1
    Sudio Femtio Wireless Speaker (worth HK$1,099)
    • Scandinavian design
    • Waterproof IPX 6 technology: the speaker can resist high-pressure water jets hitting the light from any direction. Suitable for outdoors.
    • 14 hours of playtime 
    • Support SIRI or GOOGLE Assistant
    • Built for indoors and outdoors.
    • Click here to learn more about Sudio Femtio Wireless Speaker
  • OFFER 2
    BRUNO Soymilk & Soup Blender (worth HK$698)
    • BRUNO products bring aesthetics to your home
    • 350ml perfect for 1-2 people 
    • Heat up and blending in one machine
    • 4 auto cooking/blending modes: you can make soymilk, boiled soup, blended soup, smoothie with this blender
    • You can make soymilk with the blender in 25 minutes.
    • Click here to learn more about BRUNO Soymilk & Soup Blender
  • OFFER 3
    HK$500 Apple Store Gift Card
    • You can purchase Apple hardware and accessories (include but not limited to iPhone, iPad and AirPods) at Hong Kong Apple Stores and Apple.com with Apple Store Gift Card.
    • Apple Store Gift Card will be distributed via email.
    • To use Apple Store Gift Card, you are required to provide the PIN number of Apple Store Gift Card to the staff at Apple Store. You can also input the PIN number when you check out at Apple.com.
    • Terms and conditions apply. For more details, please visit Apple.com.

    How to be entitled to MoneyHero Exclusive Offer?

    • From 1 to 31 October 2021, new CNCBI Credit Card Customers who successfully apply for CNCBI GBA Dual Currency Credit Card via MoneyHero are entitled to enjoy MoneyHero Exclusive Top-Up Offer - a Sudio Femtio Wireless Speaker (worth HK$1,099; random colour) OR BRUNO Soymilk & Soup Blender (worth HK$698; random colour) OR HK$500 Apple Store Gift Card.
    • The card must be approved by CNCBI on or before 30 November 2021.
    • Each customer is entitled to MoneyHero Exclusive Top-Up Offer once only. 
    • Not applicable to any credit card applicant who currently holds or held any other CNCBI Credit Cards issued by the Bank in the 12-month immediately preceding the relevant application for the credit card (excluding supplementary cardmember).
    • Please send (1) the name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification, to support@moneyhero.com.hk to receive the reward redemption form within 7 days of card approval. MoneyHero will verify your reward eligibility with CNCBI.
    • Terms and conditions apply.

Welcome Offers from China CITIC Bank International

  • OFFER 1
    Up to HK$1,200 UnionPay App Mobile Payment and/or Renminbi Spending Cash Rebate
    • New cardmembers make online spending with the card to enjoy 10% Cash Rebate on Eligible UnionPay App Mobile Payment and/or Renminbi Spending made per calendar month within the first 6 months of Card issuance (“Spending Period”)
    • Each new cardmember is entitled to a maximum of HK$1,200 UnionPay App Mobile Payment and/or Renminbi Spending Cash Rebate within the Spending Period. Cash Rebate will be credited to cardmember’s designated credit card account within 3 months after each calendar month’s spending period
    • No minimum spending requirement
    • Promotion period is valid from 1 October 2021 to 31 January 2022.
  • OFFER 2
    Up to HK$800 Cash Rebate
    • New cardmembers are entitled to HK$400 Cash Rebate upon accumulating eligible transactions with the total net amount of HK$5,000 - HK$8,000 below within spending period.
    • New cardmembers are entitled to HK$800 Cash Rebate upon accumulating eligible transactions with the total net amount of HK$8,000 or above within spending period.
    • Promotion period is valid from 1 October 2021 to 31 January 2022.
Up to 15% Cash Rebate on UnionPay App Mobile Payment and/or Renminbi Spending in the first 6 months; First year annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Utilities Wallet Rebate
Annual Fee Waiver
Digital Wallet Rebate
Airport Lounge
Octopus Reload Rebate
MoneyHero Exclusive Offer

Great for

  • MoneyHero Exclusive Top-Up Offer - Sudio Femtio Wireless Speaker OR BRUNO Soymilk & Soup Blender OR HK$500 Apple Store Gift Card
    • New CNCBI Credit Card Customers get rewarded with a Sudio Femtio Wireless Speaker (worth HK$1,099; random colour) OR a BRUNO Soymilk & Soup Blender (worth HK$698; random colour) OR HK$500 Apple Store Gift Card by fulfilling the following requirements:
    Important Dates Requirements
    1 to 31 October 2021 Successfully apply for designated CNCBI Credit Card(s) via MoneyHero
    On or before 30 November 2021 The card must be approved by CNCBI.
    Within 7 days of card approval Send an email with (1) the name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification to support@moneyhero.com.hk for receiving reward redemption form
    • Tips:
      • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
      • Upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
      • Designated card(s) include CNCBI GBA Dual Currency Credit Card and CNCBI Motion Credit Card.
      • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
  • Welcome Offers
    Requirements Welcome Offers
    (Choose 1 from 2)
    Option 1: Up to HK$1,200 UnionPay App Mobile Payment and/or Renminbi Spending Cash Rebate Up to HK$1,200 UnionPay App Mobile Payment and/or Renminbi Spending Cash Rebate
    Upon first 6 months of card issuance ("Spending Period"): 
    • Make UnionPay App Mobile Payment and/or Renminbi spending with the card to enjoy 10% Cash Rebate per calendar month
    • A maximum of HK$200 per calendar month and a maximum of HK$1,200 Cash Rebate are entitled within the Spending Period
    • No minimum spending requirement
     
    Option 2: Up to HK$800 Cash Rebate Up to HK$800 Cash Rebate
    • Accumulate eligible transactions with the total net amount of HK$5,000 - HK$8,000 below within Spending Period
    HK$400 Cash Rebate
    • Accumulate eligible transactions with the total net amount of HK$8,000 or above within Spending Period
    HK$800 Cash Rebate
  • Up to 15% Cash Rebate on UnionPay App Mobile Payment and/or Renminbi Spending in the first 6 months(10% Welcome Cash Rebate on UnionPay App Mobile Payment and/or Renminbi Spending + 4% Cash Rebate on UnionPay App Mobile Payment and/or Renminbi Spending + Extra 1% Cash Rebate on JD.com Spending)
  • Up to 4% Cash Rebate on UnionPay App Mobile Payment and/or Renminbi Spending
  • Extra 1% Cash Rebate on JD.com Spending
  • Fabulous merchant benefits & travel privileges
    • Handling Fee Waiver for Overseas Spending
    • 3 times LoungeKey Airport Lounge visits
    • Airport Limousine Transfer Services
  • First year annual fee waiver

Need to know

  • Welcome Offers and MoneyHero exclusive offer are not applicable to any credit card applicant who currently holds or held any other CNCBI Credit Cards issued by the Bank in the 12-month immediately preceding the relevant application for the credit card (excluding supplementary cardmember).
  • Up to 4% Cash Rebate on UnionPay App Mobile Payment and/or Renminbi Spending: Cardmembers are entitled to a maximum of HK$100 per transaction and a maximum of HK$1,000 per calendar month Spending Cash Rebate within the Promotion Period.
  • Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/credit-card/en/tc.html.
  • Terms and Conditions apply to JD.COM offer, please refer to https://www.cncbinternational.com/personal/promotions/jdcom/en/index.html

Year-round rewards

CASH REBATE
Local Spending
4%
Basic Cash Rebate: 0.55%
Overseas Spending
4%
Basic Cash Rebate: 0.55%
Online Shopping Spending (Local)
2%
Basic Cash Rebate: 0.55%
Online Shopping Spending (Overseas)
2%
Basic Cash Rebate: 0.55%
Octopus Top Up Spending
0.55%
Digital Wallet Spending
0.55%
Dining Spending
2%
Basic Cash Rebate: 0.55%

Year-round benefits

OFFER 1
Access to LoungeKey Greater China Airport Lounge for 3 times with HK$12,000 spending
Spend over HK$12,000 within 2 continuous months every year

Eligibility

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

Fees

Annual fee
HK$1,800
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 any overlimit amount (if any)(HKD Account: Minimum Payment is HK$250 ; RMB Account: Minimum Payment is CNY250).
Late payment charge
HK$ Account: HK$300 or amount equal to the Minimum Payment Due, whichever is lower; RMB Account: CNY300 or amount equal to the Minimum Payment Due, whichever is lower.
Retail Purchase APR
34.49%
Cash Advance APR
36.43%
Interest Free Repayment Period
57 days

Other information

Credit card type
UnionPay Diamond

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