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
3 Offers Available
HK$500 Apple Store Gift Card
Money Hero Exclusive Offer
HK$500 Apple Store Gift Card HK$500 Apple Store Gift Card

+ 4 other gift options

New CNCBI Credit Card Customers get rewarded and spent HK$100 within 30 calendar days after approval are entitled to HK$500 Apple Store Gift Card / HK$500 Wellcome Shopping Voucher / HK$500 Cash Rebate (Deposited via FPS Account) / SONY XE200 X-Series Portable Wireless Speaker (valued at HK$999; random color) / JBL Soundgear Sense True Wireless Open-Ear Headphones (valued at HK$899). 

Requirements

  • Valid until 2 January 2025 12pm: Successfully apply for the designated CNCBI Credit Card(s) and submit the reward redemption form via MoneyHero
  • On or before 31 January 2026: The designated card must be approved by CNCBI.
  • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.

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.
Up to HK$1,000 Cash Rebate
Tax Payment Rewards
Up to HK$1,000 Cash Rebate Up to HK$1,000 Cash Rebate

+ 1 other gift options

From 1 to 31 December 2025, CNCBI credit cardholders who settle their Hong Kong Inland Revenue Department tax payments with a CNCBI credit card under the “Government and Public Affairs” category can enjoy the following tax payment rewards:

  • Reward 1: Up to HK$1,000 Cash Rebate
    Accumulate eligible tax payments of HK$50,000 or above during the promotion period to enjoy:

    Accumulated Tax Payment Amount

    Cash Rebate

    HK$50,000 – HK$99,999

    HK$250

    HK$100,000 – HK$199,999

    HK$400

    HK$200,000 – HK$299,999

    HK$600

    HK$300,000 – HK$499,999

    HK$800

    HK$500,000 or above

    HK$1,000

    Reward 2: Lucky Draw for 20,000 FWC Points

    Cardholders who settle HK$10,000 or above in tax payments with designated CNCBI Mastercard® credit cards during the promotion period will receive one lucky draw entry for a chance to win 20,000 FWC Points (can redeem one set of Hong Kong Airlines round-trip ticket to Taipei).

To borrow or not to borrow? Borrow only if you can repay!

Remarks:
  1. Only applicable to tax payment transaction being paid to the Inland Revenue Department in Hong Kong.
  2. The final Cash Rebate is calculated based on the accumulated tax payment amount.
  3. Designated CNCBI Mastercard Credit Cards include CNCBI Jewel World Elite Mastercard Card, CNCBI Jewel World Mastercard Card, CNCBI x FHKI Jewel World Mastercard, CNCBI Hong Kong Airlines Mastercard Card, CNCBI DCH Living Mastercard Card, CNCBI Motion Credit Card, and CNCBI Motion Credit Card (virtual).
  4. The points redemption standard is for reference and is subject to Hong Kong Airlines' latest announcements.
  5. Terms and Conditions apply to the above offers, please click here for details.
Up to 10% Cash Rebate on RMB Spending & Handling Fee Waiver for Overseas Spending
Welcome Offer
Up to 10% Cash Rebate on RMB Spending & Handling Fee Waiver for Overseas Spending

+ 1 other gift options

From now till 31 December 2025, New Cardmembers who successfully apply for CNCBI GBA Dual Currency Credit Card can enjoy the following welcome offers (choose 1 out of 2):

  • 10% Cash Rebate on spending in foreign currencies
    New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies made with the Motion Credit Card in the first 3 months starting from the card issuance date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate! ;or
  • HK$600 Cash Rebate
    Upon accumulated eligible spending of HK$6,000 in the first 2 months starting from the card issuance month

For more details, please click China CITIC Bank International

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.
  • 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
  • Welcome Offer Option 1: 10% Cash Rebate on spending in foreign currencies
    New Cardmembers can enjoy 10% Cash Rebate on spending in foreign currencies made with the GBA Dual Currency in the first 3 months starting from the card issuance date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate!
  • Welcome Offer Option 2: Enjoy HK$600 Cash Rebate
    New credit card customers who accumulate HK$6,000 or above in retail spending within the first 2 months from the card issuance date (“Spending Period”) with the GBA Dual Currency will be entitled to HK$600 cash rebate.
  • 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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