CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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CNCBI GBA Dual Currency Credit Card Highlights

Cashback RMB Spending
10  %
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Cashback UnionPay App Spending
4  %
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Annual Fee Waiver
First year
Offer Available
HK$1,100 Apple Store Gift Card
Money Hero Exclusive Offer
HK$1,100 Apple Store Gift Card HK$1,100 Apple Store Gift Card

+ 7 other gift options

New CNCBI Credit Card Customers get rewarded and spent HK$100 within 30 calendar days after approval are entitled to HK$1,100 Apple Store Gift Card / HK$1,100 Wellcome Shopping Voucher / HK$1,100 Trip.com Gift Card* / HK$1,100 Cash Rebate (Deposited via FPS Account) / Braun MultiFry 3 AirFryer HF3000 (valued at HK$988) / JBL Soundgear Sense True Wireless Open-Ear Headphones (valued at HK$899).

Requirements

  • Valid until 31 October 2025 6pm: Successfully apply for the designated CNCBI Credit Card(s) and submit the reward redemption form via MoneyHero
  • On or before 30 November 2025: The designated card must be approved by CNCBI.
  • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
  • *From 22 October 2025 6pm to 26 October 2025 6pm, the first 10 approved applications each day that select a Trip.com e-gift voucher as reward (subject to the internal review records of MoneyHero and the card-issuing institution) will receive an additional HK$800 Trip.com e-gift voucher. ((limited 50 quota).

Tips

  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • Upload all required documents, including ID card, income and address proof, 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 Hong Kong Airlines Mastercard®, CNCBI Motion Credit Card and CNCBI GBA Dual Currency Credit Card.
  • Each Eligible Card Customer can only enjoy one MoneyHero Exclusive Offer regardless of the number of card application

  • Only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications.

  • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
  • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.

Things to consider

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Overseas rebate

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Airport lounge

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Welcome offer: Rebate

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No foreign txn fee

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CNCBI GBA Dual Currency Credit Card Benefits

Cashback

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Cashback Local
4  %
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Cashback Overseas
10  %
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Cashback UnionPay App Spending
4  %
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CNCBI GBA Dual Currency Credit Card More Info

  • Spending Categories RMB or UnionPay App Spending Single spending of CNY4,000
    Cash Rebate Offer 4% Extra 6%
    Maximum Cash Rebate
    per month    		 HK$150 HK$250
  • 4% Cash Rebate on RMB and UnionPay App spending
    • From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy 4% Cash Rebate on RMB and UnionPay App consumer presented QR code payment mode) up to extra HK$150 Cash Rebate per month.
  • Extra 6% Cash Rebate on RMB spending
    • From now to 31 December 2025 CNCBI GBA Dual Currency Credit Cardmembers can enjoy extra 6% Cash Rebate on a single RMB spendingof CNY4,000 or above, up to extra HK$250 per month. Total 10% Cash Rebate together with the above 4% Cash Rebate offer.
  • Free Global Airport Lounge Benefit with Eligible Spending

    • From now to 31 December 2025, get a Free Global Airport Lounge Privilege upon pre-registration on U Rewards at UnionPay App and make eligible spending at offline retail merchants with UnionPay App. Quota applies and on a first-come-first-served basis while quota lasts. The offer is subject to relevant terms and conditions.

  • Up to 45% Cash Rebate on top of 5% Instant Discount on GBA Hotel Booking
    • From now to 8 January 2026, enjoy extra up to 45% cash rebate on top of 5% instant discount on GBA hotel booking by redeeming the offer with designated promotion code through Wing On Travel website or App. Cardmembers are entitled to a maximum of HK$120/order under instant 5% off offer and a maximum of HK$360/order under up to 45% cash rebate offer. Quota applies and on a first-come-first-served basis while quota lasts.
  • No foreign currency transaction handling fee
  • First year annual fee waiver

    • Other things to note

    • Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
    • Terms and conditions apply. For details, please visit www.cncbinternational.com/personal/promotions/credit-card/en/index.html.
    • Reminder: To borrow or not to borrow? Borrow only if you can repay! 
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CNCBI GBA Dual Currency Credit Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 96,000
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CNCBI GBA Dual Currency Credit Card Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 1,800
Foreign Currency Transaction Fee
Waived

Repayment

Minimum Payment
1  %
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Late Payment Charge
HK$ 300
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Retail Purchase APR
34.49  %
Cash Advance APR
34.79  %
Interest Free Period
57  Days
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CNCBI GBA Dual Currency Credit Card Other Info

Association

UnionPay Diamond

Tags

CNCBI GBA Dual Currency Credit Card CNCBI GBA Dual Currency Credit Card

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