^HK$150,000

Min. Annual Salary

2%

Cash back on local spend

N/A

Miles Conversion (local spend)

All Details

• Key Features

  • Welcome offer of HK$400 cash rebate by fulfilling HK$3,000 spending requirement

  • 2% unlimited cash rebate for local dining and overseas spending in the first year

  • First 3-year annual fee waiver

  • MasterCard Exclusive Priviliges

Annual Fee Waiver

• First 3-year annual fee waiver of HK$1,200
• Cardholders can reqest an annual fee waiver through CITIC credit card hotline: 2280 1288

Cash Back

• 2% unlimited cash rebate for local dining and overseas spending in the first year
• 0.55% cash rebate after the first year
• Spending of HK$180 = HK$1 basic rebate
• 57 days of interest-free repayment period

Welcome Offers

• 6-month monthly fee waiver on Birdie Mobile 5GB monthly service plan or HK$400 cash rebate after fulfilling spending requirement of HK$3,000 in the first 3 months
• Extra HK$100 cash rebate upon successful application for CNCBI VISA Platinum Card or CNCBI Motion Credit Card and CNCBI Air China Dual Currency Credit Card and fulfill the spending requirement.

Best Credit Cards

• Welcome offer of HK$400 cash rebate by fulfilling HK$3,000 spending requirement
• 2% unlimited cash rebate for local dining and overseas spending in the first year
• First 3-year annual fee waiver
• MasterCard Exclusive Priviliges

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,200
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Interest Free Period	Up to 57 days
Annual Interest Rate	34.49
Late Payment Fees	Min HK$300
Minimum Monthly Repayment	1% of monthly payment + fees
Foreign Currency Transaction Fee	N/A
Foreign Check Fee	N/A
Cash Advance Transaction Fee	3.5% of cash amount or min HK$100
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$150,000
Foreigner	HK$150,000

Card Association

Mastercard

Wireless Payment

Mastercard contactless