China Citic Bank International (CCBI)

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CNCBI credit cards

The guide to CNCBI credit cards. All you need to know.

The credit card products of China CITIC Bank are called CNCBI credit cards. Despite its name, its headquarters is in Hong Kong. Apart from the common dual currency card, platinum card, the bank also offers virtual credit card. That means you can apply for a credit remotely in the comfort of your home. Such virtual card can be activated instantly upon application.

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Name Product Annual Fee Fee Waiver Annual Interest Rate Minimum Annual Income
CNCBI Motion Credit Card
CNCBI Motion Credit Card
CNCBI GBA Dual Currency Credit Card
CNCBI GBA Dual Currency Credit Card

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Types of CNCBI credit cards

  • Dual currency card. CNCBI currently offers 3 dual-currency credit card products. A dual currency card allows you to pay your bills in HKD or RMB, which is convenient for frequent travellers between the mainland and HK.
  • Platinum card. All CNCBI Platinum cards members can enjoy Card Cash-In Plan, Card Installment Plan and Card Balance Transfer Plan etc. As for CNCBI CITICfirst Platinum Card, the annual fee is waived perpetually.
  • Airmiles card. CNCBI Air China Dual Currency Credit Card is Hong Kong’s first airline co-branded dual currency credit card. It earns points and converts miles automatically. Apart from dual currency as the main feature, it also waives handling fees for overseas spending.
  • Motion card. There are two versions of Motion card: physical and virtual. Both versions offer users a considerable cash rebate on dining and online spending. Another perk of having the virtual card is you never have to pay an annual fee.

The benefits of a CNCBI credit card

  • Three networks to choose from. CNCBI offers UnionPay, VISA and Mastercard versions.
  • High cash rebate. Several card products by CNCBI offer higher cash rebates compared to its peers.
  • inMotion. inMotion is a virtual under CNCB. It provides bank account services and credit card services.
  • Virtual credit card. There are a few advantages of this virtual card. For instance, the application is quick and easy. One only needs an HKID card and no address proof or income proof is needed and the application is approved instantly.
  • Mobile payment. It supports Apple Pay and Google Pay as mobile payments.

How can I apply for a CNCBI credit card?


  • Age. The applicant must be 18 or above.
  • Residential status. The applicant must be a Hong Kong resident (an HKID holder).
  • Income requirement. Different cards have different income requirements.

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