CNCBI Motion Credit Card (virtual)

Last Updated: Sept 2023
No Requirement

Min. Annual Income

6
%

Local Spending - Cashback Rate

on dining, online spending & foreign curriency spending
0.55
%

Overseas Spending - Cashback Rate

on overseas spending
Exclusive Offer
from MoneyHero
OFFER 1
Marshall Emberton Bluetooth Speaker (valued at HK$1,499) OR HK$750 Apple Store Gift Card/ Wellcome Shopping Voucher/ HKTVmall e-Voucher/ ZALORA Voucher
  • From now till 28 April 2023 4:00 p.m., new customers who successfully open Multi-Currencies Statement Savings Account via inMotion, input MoneyHero Promo Code"2MH2301" are entitled to Marshall Emberton Bluetooth Speaker (valued at HK$1,499) OR HK$750 Apple Store Gift Card/ Wellcome Shopping Voucher/ HKTVmall e-Voucher/ ZALORA Voucher
  • New Customer refers to the customer who has not maintained any credit card, current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the Bank within the preceding 12 months before the application date.
  • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
Up to 12% cash rebate on Dining and Online Spending all year round
Perpetual Annual Fee Waiver; No minimum spending requirement
Annual Fee Waiver

Great for

  • MoneyHero Limited-Time Exclusive Offer

    • From now till 11 September 2023 12 noon, new customers who open inMotion Multi-Currencies Statement Savings Account via MoneyHero by using promo code "2MH2301" and fulfilling the following requirements are entitled to Marshall Emberton Speaker (valued at HK$1,499) OR HK$750 Apple Store Gift Card / HKTVmall e-Voucher / Wellcome Shopping Voucher
    Important Dates Requirements
    1 September 2023 12 noon to 11 September 2023 12 noon

    New CNCBI Customers who successfully apply for inMotion Multi-Currencies Statement Savings Account via MoneyHero by using promo code 2MH2301, and registering for MONOPOLY Deposit with HK$10,000 or above eligible new funds, are entitled to MoneyHero Limited-Time Exclusive Offer.

    Within 7 days of receiving the form Submit the reward redemption form sent via email previously.
    The account must be successfully opened on 30 October 2023 and should reach the requirement of HK$10,000 at least once on any business day after registered MD deposit.
  • Open account and grab the “Rewards Go!” foreign exchange mission - up to HK$2,900

    Requirements Cash Rewards
    Meet a total balance of HK$10,000 equivalent or above on 31 October 2023

    HK$200

    Meet a total foreign currency deposit balance of HK$50,000 equivalent or above on 31 October 2023 Extra HK$200
    Grab and complete the foreign exchange mission at “Rewards Go!” from now till 30 September 2023 Up to HK$2,500
  • Check in inMotion App’s personalized rewards platform “Rewards Go!” to get welcome offer after account opening. Grab the chance to win up to HK$1,000 lucky draw! More missions are waiting for you and instant rewards are up for grab!

  • Spending Offer – Up to HK$12,400 Cash Rebate  

    • From 1 July to 31 October 2023, New Cardmembers who successfully apply for CNCBI Motion Credit Card can enjoy the spending offers including : 10% Cash Rebate on spending in foreign currencies in the first 3 months, Summer Spending Program – HK$10,800 Cash Rebate on foreign currency spending together with the year-round offer of 6% Cash Rebate on dining, online and foreign currency spending.
    • Up to $12,400 cash rebate includes 10% cash rebate (maximum of HK$1,000) on spending in Foreign Currencies in the first 3 months (“Spending Period”) Summer Spending Extra 6% Cash Rebate on spending in Foreign Currencies (maximum of HK$10,800) and year round 6% cash rebate on Dining, Online and Foreign Currency Spending (maximum of HK$200 extra cash rebate in each month, up to HK$600 cash rebate within spending period). Please refer to https://www.cncbinternational.com/personal/promotions/virtual_credit_card/en/index.html for the above Cash Rebate details.
  • Referral Rewards

    • From 1 July to 30 September 2023, you can enjoy up to HK$1,500 reward when each new customer who successfully opened a banking account via inMotion with your unique referral code and fulfilled the designated requirements! Enjoy up to $30,000 reward upon max. 20 successful referrals.
  • Up to 16% Cash Rebate on dining, online and foreign currency Spendings
  • Remote card issue anytime, anywhere. Use the card instantly once it is approved.
    • Apply online via inMotion mobile app. What you need is to provide your personal information and HKID to apply for the Card. You don’t need to spend extra time to provide proof of address and income.
    • Check you application status easily via inMotion mobile app.
    • The turnaround time of each application and approval may vary.
  • Safer shopping experience with Virtual Credit Card
    • The card details can only be retrieved from inMotion. inMotion logon is password protected and two-factor authentication is required to re-authenticate customers' identity before the retrieval of the card details including card number, CVV and expiry date. It can decrease the risk of credit card fraud.
  • Perpetual Annual Fee Waiver

Need to know

  • Terms and conditions apply.
  • Up to HK$2,900 Cash Rewards

    • HK$200 Total Balance Cash Reward: Applicable to new customers who have not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with China CITIC Bank International Limited (the "Bank") within the preceding 12 months. CITICfirst and CITICdiamond customers are not applicable. Customers are required to meet a total balance of HK$10,000 equivalent or above on 31 October 2023 to enjoy “Up to HK$200 Total Balance Cash Reward”. Terms and conditions apply.
    • HK$200 Foreign Currency Deposit Balance Cash Reward: Applicable to new customers who have not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with the bank within the preceding 12 months. CITICfirst and CITICdiamond customers are not applicable. Customers are required to meet a total foreign currency deposit balance of HK$50,000 equivalent or above on 31 October 2023 to enjoy HK$200 cash reward. Terms and conditions apply, please click HERE for details.
    • Up to HK$2,500 Foreign Exchange Cash Reward: Applicable to new customers who did not trade any foreign exchange transactions via inMotion during past 12 months. Terms and conditions apply.
  • The referee must be a Hong Kong resident, holding a valid Hong Kong Permanent Identity Card and must be a new customer who has not maintained any account or service with the Bank within the preceding 12 months.

    The referee could select the account type via inMotion includes: inMotion / CITICfirst.

    The referee’s designated requirements include:

    • HK$400 Deposit Reward - The referee has to make deposit(s) of a minimum HK$10,000 in total to his/her account within 30 calendar days after his/her banking account opening. The deposit has to be in Hong Kong Dollar.
    • HK$900 Cash Reward - The referee has to (i) select CITICfirst when opening an account via inMotion or (ii) upgrade to CITICfirst successfully within the same calendar month after new account opening via inMotion, and fulfill the designated terms and conditions at the same time. Please click here for details.

    Terms and Conditions apply, the reward of this referral program promotion consists of 2 parts:

    • Up to HK$12,000 reward from inMotion MONOPOLY Referral Reward Programme. Please click here for details; and
    • Up to HK$18,000 reward from CITICfirst Customer Referral Reward Program . Please click here for details.
  • China CITIC Bank International Limited reserves the right to request the applicant to submit the supporting documents for the approval
    • The approval of virtual credit is based on the analysis result of customers data
  • Reload of digital wallet and insurance transactions do not count as eligible transactions.
  • Risk Disclosure Statements for Foreign Exchange Foreign currency investments are subject to exchange rate risk which may result in gain or loss. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into HKD or other foreign currencies. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.
  • Reminder: To borrow or not to borrow? Borrow only if you can repay!

Year-round rewards

CASH REBATE
Local Spending
6%
Overseas Spending
0.55%
Online Shopping Spending (Overseas)
12%
Online Shopping Spending (Local)
12%

Eligibility

Minimum Age
18 years old
Min. Annual Income
No Requirement

Fees

Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95%

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) (the minimum amount of Minimum Payment Due is HK$250).
Late payment charge
HK$300 or amount equal to the Minimum Payment Due, whichever is lower.
Retail Purchase APR
34.49%
Interest Free Repayment Period
57 days

Other information

Credit card type
Mastercard

Isn't the best product for you?

Compare more credit cards on MoneyHero