Look through the range of credit cards from CCB that includes premium cards, dual currency cards and an airline card.
There are a lot of credit card options at CCB, with a range of cash rebate cards and cards with travel benefits and savings on foreign currency fees.
Compare the different China Construction Bank cards, including co-branded and affinity cards, and see which suits your credit cards needs the best.
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Types of CCB credit cards
CCB covers almost every credit card requirement offering premium credit cards with top privileges, a range of cards with dining benefits as well as cards with complimentary insurance. The bank has a particularly strong offering on the China UnionPay network.
Everyday rewards cards
Apply for a CCB Platinum Card and enjoy earning bonus points on every eligible HK$ you spend, including 3 X bonus points when you pay for travel or spend money overseas. You can exchange your bonus points for Asia Miles, redeemable for flights and upgrades. Your CCB Platinum Card includes dining privileges all through the year and a range of other benefits.
CCB offers two premium credit card products, a Visa Infinite Credit Card and a UnionPay Diamond Prestige Credit Card. Both cards offer premium travel benefits and discounts: the Visa Infinite card includes special discounts and benefits at a range of hotels, a discount on airport limousine transfers and membership of the Priority Pass airport lounge network. The UnionPay Diamond card offers entire travel packages free of charge when you meet a minimum spending requirement as well as unlimited access to a selection of Plaza Premium airport lounges.
Dual currency cards
Apply for a dual currency credit card with CCB and save on foreign exchange expenses. Your CCB UnionPay Dual Currency Credit Card bills you in Hong Kong dollar for purchases in Hong Kong, and in renminbi for purchases in mainland China. With foreign exchange charges typically set at up to 1.95%, you could save a lot when travelling on the mainland.
Frequent flyers should consider the CCB Hong Kong Airlines Fly Away Credit Card which automatically converts your CCB bonus points into Fortune Wings Club Points if you choose to do so. This card also includes access to Club Bauhinia at Hong Kong airport with up to five visits every year as well as priority check-in and priority boarding.
CCB offers two credit cards that offer benefits concentrating on dining out. The tiramisu Credit Card, issued by CCB, offers 3 X bonus points on all dining spending, and a free upgrade if you order coffee from Pacific Coffee. Apply for the CCB Tastie Pass Credit Card and get special offers from merchants participating in the Tastie Pass program, in addition to 3 X bonus points on your dining bill.
AIA co-branded cards
CCB has partnered with a major insurance provider, AIA Group, to offer co-branded cards with insurance benefits. Enjoy a rebate on your AIA Vitality membership fee as well as included insurance benefits and an instalment plan on any AIA premiums. The AIA UnionPay Diamond Credit Card combines insurance benefits with the savings of a dual currency card.
Pui Ching affinity cards
Pui Ching schools and CCB offer a credit card for alumni, current students and staff members which includes exclusive benefits. The CCB Pui Ching UnionPay Dual Currency Credit Card features discounts on dining and, at the time of writing, a range of welcome offers. As a CCB dual currency card you will also save on foreign exchange fees if you travel to mainland China.
As a business owner, you can make managing business expenses easier with a CCB Business Card. You can customise the look of the card with your own background image while enjoying travel privileges and a welcome gift if you meet minimum spending requirements. The CCB Business Card is issued on the UnionPay network.
What benefits can I get with a CCB credit card?
- Installment plan with 0% interest
Pay at a designated merchant and you can take advantage of 0% interest throughout your repayment period. Qualifying merchants cover electronics, health and beauty, medical services, travel and much more. If you need cash instead, CCB also offers an attractive low-interest cash instalment plan with a repayment period of up to 60 months.
- Rebate on everyday credit card spend
Your CCB credit card will earn you bonus points which you can exchange for shopping vouchers at a range of top retailers. Or you could choose to exchange your bonus points for a charity donation.
- Priority bookings for concerts
If you hold a Visa or Mastercard with CCB you can take advantage of an exclusive booking service and get tickets to popular concerts before the general public. You will also earn bonus points for all the concert bookings you make with your CCB credit card.
- Exclusive offers throughout the year
With a CCB credit card you can benefit from specially negotiated CCB offers throughout the year. When paying with a CCB card you get discounts on dining, hotels and travel at participating merchants.
How can I apply for a CCB credit card?
CCB has crafted an extensive range of credit cards that can meet many different, individual requirements. Card features and benefits vary, so you need to look at each card and think about your personal needs. Once you’ve made a choice, click on the green “Go to Site” button to start the secure application process.
- Age. The minimum age requirement to successfully apply for a CCB credit card is 18.
- Residential status. CCB requires that you are a resident of Hong Kong to apply for a credit card account, but does not require you to be a Hong Kong citizen.
- Income requirements. Income requirements for the different CCB credit card products can vary, but at the time of writing most CCB Hong Kong credit cards requires a minimum income of HK$150,000 per annum.
- Other requirements. CCB’s Visa Infinite Credit card has special requirements. To apply for the bank’s Visa Infinite product you need to be a CCB Premier Select, Premier Banking or Private Banking customer.
- Credit history. You can successfully apply for a CCB credit card as long as you have a credit profile that is free of recent defaults. CCB will also look at your existing outstanding debts before granting you further credit.
Necessary documents and information
- Proof of identification. While completing the CCB credit card application form you’ll be required to confirm your Hong Kong ID number or passport number. You will also be required to mail or fax proof of your HKID or your passport and a valid visa if you’re a foreign resident.
- Evidence of income. Due to the income requirements on CCB cards, expect to supply full details of your employment and current income. CCB will also require that you supply any one of: your latest Income Tax Demand Note, last month’s payslip, last month’s Mandatory Provident Fund statement, bank statements for the last three months, including an indication of a salary deposit or a Profits Tax Demand Note and your company and personal bank passbook.
- Proof of residence. This can be proved by presenting a utility bill, bank statement or rates demand note. You also need to complete your full address details on the application form, including the length of your residency at your current address.
CCB offers Hong Kong residents a good choice of cards including UnionPay products. However, you should always compare cards offered by CCB to cards offered by other banks and decide whether the features and benefits specific to a CCB credit card suit you the best.