See annual fees, income requirements, foreign transaction fees and real returns—with a source and verification date for key facts.
Check verified rewards, deadlines and redemption conditions before you apply.
Compare opening requirements, deposit terms, minimum amounts and official fees with sourced, dated information.
Use official registration services, then compare business accounts, company cards and cross-border payment tools.
Review travel platforms, hotels, connectivity and card deals together, then confirm the latest terms before paying.
Practical Hong Kong money articles covering credit cards, offers, miles, banking, investing, business, tax, retirement and everyday savings.
China CITIC Bank International
8 cards
Dedicated discounts and points across DCH motoring, food and lifestyle merchants, covering both driving and everyday spend.
Card benefits
Selected DCH merchant discounts and points vary by merchant, transaction category and campaign period; the official card directory and current offer terms prevail.
Earn Fortune Wings Club points from as little as HKD2 per point, with a current welcome offer of up to 104,000 points.
Welcome offer
The up to 104,000-point welcome offer is subject to new-customer, selected-spend and campaign-period conditions.
Up to 10% cashback at selected JD merchants and a current new-customer welcome offer of up to HKD900.
JD cashback, welcome and additional rewards are subject to registration, selected-merchant, eligible-transaction, campaign-period and rebate-cap conditions.
Up to 10% cashback on RMB spend with direct HKD and RMB settlement, plus a current welcome offer of up to HKD1,000.
The up to 10% selected RMB-spend rebate and up to HKD1,000 welcome offer are subject to campaign dates, spend thresholds, quotas and rebate caps; check the current official terms before applying.
No annual fee, up to 1.5% cashback on retail spend and a current welcome offer of up to HKD1,000.
The up to HKD1,000 welcome cashback ends 31 December 2026 and is subject to new-customer and spending conditions.
2.5% cashback on retail spend with a HKD3,800 monthly extra-rebate cap, plus airport transfer, hotel and travel-protection privileges.
Welcome rewards and privileges have registration, quota and spend conditions.
The 2.5% retail-spend rate and HKD3,800 monthly extra-rebate cap run through 31 December 2026.
Use it in inMotion immediately after approval without waiting for plastic, while retaining Motion’s up to 6% dining and online cashback.
The up to 6% rate requires HKD3,800 eligible monthly spend and is subject to rebate caps and other terms.
Up to 6% cashback on dining and online spend all year, with a current choice of 10% foreign-currency cashback or HKD600 welcome cashback.
The 10% foreign-currency welcome rebate is capped at HKD1,000 through 31 December 2026; the HKD600 option requires HKD6,000 spend in the first three months and ends 30 September 2026.
The 6% dining and online rate requires HKD3,800 eligible retail spend in the month and is subject to monthly caps and merchant-category rules.
