CNCBI Citicdiamond UnionPay Dual Currency Credit Card

Bank: China CITIC Bank International
Issuer: CNCBI
Annual fee
Income requirement
Network
Verified date
Official website

Saving by category

Estimated saving at the selected amount. Conditions apply. Blank values have no supported estimate.

Category	Saved percentage	Conditions
Dining	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Fine dining	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Local dining	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Fast food	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Food delivery	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Cafés, bakeries and desserts	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Groceries	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Markets	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Supermarkets	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Convenience stores	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Shopping	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Fashion	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Sports and outdoors	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Department stores	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Electronics	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Home and furniture	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Jewellery and watches	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Books and stationery	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Pet supplies	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Online shopping
Overseas online shopping
Local online shopping
Online groceries
Online fashion and sports
Transport	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Local transport	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Parking	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Fuel and EV charging	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Taxis, rides and car rental	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Travel	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Hotels	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Travel bookings	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Airlines	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Travel agencies	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Entertainment	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Cinemas	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Games	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Streaming	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Theme parks and attractions	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Concerts and tickets	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Bills and utilities	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Telecommunications	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Government payments	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Electricity and gas	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Water	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Health and wellness	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Medical services	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Pharmacies and supplements	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Fitness	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Beauty and personal care	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Education	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Tuition and courses	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Overseas spending	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Mainland China spending	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Macau spending	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
E-wallet spending	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Eligibility: Payment Methods: wechat-pay-hk-wallet; unionpay-app-consumer-presented-qr Eligible categories: 電子錢包簽賬 F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Mobile Wallet Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Applies to: 電子錢包簽賬 · Type: category Requirements: Pay with: wechat pay hk wallet / unionpay app consumer presented qr Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
E-wallet top-ups
WeChat Pay
AlipayHK
Octopus
PayMe
Mobile payments	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Google Pay	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Apple Pay	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Samsung Pay	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Insurance
Rent	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Charitable donations	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Loans and installments	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗
Other	4%	Conditions and calculation Audience: other The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. Limit: 100 HKD · Per Transaction Limit applies to: Extra Cash Rebate per eligible transaction Applies to all eligible spending, subject to the conditions. F o r p i n c a l d m e b s f t h . E g w u W C P y ( H K ) M 6 5 3 0 , 1 2 9 x U A Q R - B T O V D $ I L S N v z k Y Confirm offer eligibility: Audience: other. Assumes the full reward limit is still available. Extra Cash Rebate per eligible transaction Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Renminbi Spending Up to 4% Cash Rebate: 4% Eligibility: Audience: other Eligible spending: Type: all Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources. For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply. Extra Cash Rebate: 2026-07-01 – 2026-12-31 Open source offer ↗

Promotion offers and card offers are separate. Combined eligibility is not assumed.

Promotion offers (2)

香港航空指定來回經濟艙機票淨票價 8 折（優惠 20%）

20%saving

Conditions applyDiscountCheck date conditionsCap: 5 乘客 · per transaction

Check validity dates

Eligibility: Audience: all
Eligible spending: Applies to: hong kong airlines · Type: merchant
Benefit limit: Amount: 5 · Applies to: 每次預訂可使用優惠碼的成人或兒童乘客數量。 · Period: per transaction · Type: limited · Unit: 乘客
Percentage note: 原文列明來回機票淨票價 8 折；優惠率按折扣表示為 20%。
Application or registration is required.
適用於憑中信銀行(國際)信用卡，在香港航空網頁預訂由香港出發至指定航點的經濟艙來回機票。
指定航點：加拿大溫哥華；澳洲悉尼、墨爾本；中國內地北京、重慶、成都、杭州、南京、三亞、海口、上海；日本東京、大阪、福岡、沖繩、札幌；泰國曼谷、布吉；其他首爾、台北、峴港、峇里島。
預訂時須輸入優惠碼 HKACNCBI。
折扣只適用於機票淨票價，不包括稅項、機場建設費、政府手續費、燃油附加費及航空公司附加費。
不適用於 2026 年 12 月 19 日至 26 日的旅行日期。
每次預訂最多 5 位成人或兒童乘客可使用優惠碼；優惠數量有限，先到先得。
客戶須符合指定條件；原文沒有列明條件詳情。優惠由香港航空提供，並受其條款及細則約束。
訂票期間；原文為即日起至 2026-10-09，開始日期未列明。: Now – 2026-10-09
旅行日期。: 2026-10-05 – 2027-01-27

Open source offer ↗

香港航空指定單程經濟艙機票淨票價 85 折（優惠 15%）

15%saving

Conditions applyDiscountCheck date conditionsCap: 5 乘客 · per transaction

Check validity dates

Eligibility: Audience: all
Eligible spending: Applies to: hong kong airlines · Type: merchant
Benefit limit: Amount: 5 · Applies to: 每次預訂可使用優惠碼的成人或兒童乘客數量。 · Period: per transaction · Type: limited · Unit: 乘客
Percentage note: 原文列明單程機票淨票價 85 折；優惠率按折扣表示為 15%。
Application or registration is required.
適用於憑中信銀行(國際)信用卡，在香港航空網頁預訂由香港出發至指定航點的經濟艙單程機票。
指定航點：加拿大溫哥華；澳洲悉尼、墨爾本；中國內地北京、重慶、成都、杭州、南京、三亞、海口、上海；日本東京、大阪、福岡、沖繩、札幌；泰國曼谷、布吉；其他首爾、台北、峴港、峇里島。
預訂時須輸入優惠碼 HKACNCBI。
折扣只適用於機票淨票價，不包括稅項、機場建設費、政府手續費、燃油附加費及航空公司附加費。
不適用於 2026 年 12 月 19 日至 26 日的旅行日期。
每次預訂最多 5 位成人或兒童乘客可使用優惠碼；優惠數量有限，先到先得。
客戶須符合指定條件；原文沒有列明條件詳情。優惠由香港航空提供，並受其條款及細則約束。
訂票期間；原文為即日起至 2026-10-09，開始日期未列明。: Now – 2026-10-09
旅行日期。: 2026-10-05 – 2027-01-27

Open source offer ↗

Credit card offers (17)

Mobile Wallet Up to 4% Cash Rebate

Up to4%saving

CashbackPeriod Limitedotherwechat pay hk wallet / unionpay app consumer presented qrCap: HK$100.00 · per transaction

Eligibility: Audience: other
Eligible spending: Applies to: 電子錢包簽賬 · Type: category
Requirements: Pay with: wechat pay hk wallet / unionpay app consumer presented qr
Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources.
For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply.
Extra Cash Rebate: 2026-07-01 – 2026-12-31

Open source offer ↗

Renminbi Spending Up to 4% Cash Rebate

Up to4%saving

CashbackPeriod LimitedotherCap: HK$100.00 · per transaction

Eligibility: Audience: other
Eligible spending: Type: all
Benefit limit: Amount: 100 · Applies to: Extra Cash Rebate per eligible transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
Percentage note: The HTML page states 4% cash rebate. The DSDCC terms state up to 4% Extra Cash Rebate. The separate Basic Cash Rebate rate and terms are not in the retained sources.
For principal cardmembers of this card. Eligible mobile wallet spending includes WeChat Pay (HK Wallet) retail transactions under MCC 6530, 6012 or 6529, excluding bill payments, and UnionPay App transactions in Consumer Presented QR mode. Merchant Presented QR, transport and e-commerce or online transactions in UnionPay App are excluded. Eligible RMB spending means retail or online retail transactions posted in RMB. Excluded transactions include automatic payments, ATM or online payments, Octopus Automatic Add-Value payments, balance transfers, Cash-in Program repayments, Dollar$mart Personal Installment Loan, $mart Plus Installment Loan, Retail Purchase Installment Program, Statement Balance Interest Free Installment Plan, Non-Conventional Interest Free Flexi Installment Plan, Tax Interest Free Flexi Installment Program, fees and charges, unit trust or monthly investment contributions, insurance, Inland Revenue Department payments, casino chips, annual fees, finance charges, mobile-app transactions or funds transfers, merchant transactions through electronic fund transfer platforms, e-wallet reloads including P2P transfers, unposted, cancelled, refunded, invalid or unauthorized transactions, and other transaction types specified by the Bank. The Bank decides eligibility and may debit the Extra Cash Rebate if it finds a transaction ineligible. A transaction eligible in both categories counts once. The Bank converts eligible spending in both accounts to HKD at CNY1 to HKD1. The Extra Cash Rebate is capped at HKD100 per transaction and HKD500 per calendar month across both categories during the promotion. It is credited within 3 months after each calendar month and can offset future retail purchases only, not a statement balance. The account must be valid and in good standing when the rebate is awarded. Account closure, fraud or abuse can result in forfeiture. The separate Basic Cash Rebate rate, terms and cap formula are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply.
Extra Cash Rebate: 2026-07-01 – 2026-12-31

Open source offer ↗

Handling Fee Waiver for Overseas Spending （優惠值未列明）

—Value not stated

Fee Waiverother

Eligibility: Audience: other
Eligible spending: Applies to: 海外簽賬 · Type: category
Benefit limit: Period: not stated · Type: not stated
For overseas spending. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

One Credit Card, Two Currencies

2currencies quantity

Otherother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Exclusive to CITICdiamond customers. The card has HKD and RMB accounts with a combined credit limit. CNY transactions post to the RMB account; transactions in other currencies post to the HKD account. The Bank assigns the combined credit limit, which is shared among the dual-currency accounts. Terms and conditions apply.

Open source offer ↗

Perpetual Annual Fee Waiver （優惠值未列明）

—Value not stated

Fee Waiverother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Perpetual. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

Up to 57 Days Interest-Free Repayment Period

Up to57days quantity

Financingother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The interest-free period is up to 57 days for retail purchase balance. No interest is charged when the balance is paid in full by the due date each month. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

Card Cash-In Plan （優惠值未列明）

—Value not stated

Financingother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The page lists a Card Cash-In Plan but gives no plan terms in the retained source. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

Card Installment Plan （優惠值未列明）

—Value not stated

Financingother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The page lists a Card Installment Plan but gives no plan terms in the retained source. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

Card Balance Transfer Plan （優惠值未列明）

—Value not stated

Financingother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The page lists a Card Balance Transfer Plan but gives no plan terms in the retained source. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

UnionPay QuickPass Contactless Function （優惠值未列明）

—Value not stated

Lifestyleother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
From 25 March 2019, renewed and replacement CNCBI Dual Currency Credit Cards include UnionPay QuickPass. Tap the card at a contactless point-of-sale reader accepted by the merchant. Purchases of HKD1,000 or less generally do not require a signature; purchases above HKD1,000 generally require a signature or PIN. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

UnionPay App Mobile Payment （優惠值未列明）

—Value not stated

Lifestyleother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The product page links to more details, but those details are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

Hassle-Free Transit Across Great Bay Area （優惠值未列明）

—Value not stated

Travelother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The product page links to more details, but those details are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

Octopus Automatic Add-Value Service （優惠值未列明）

—Value not stated

Lifestyleother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

UnionPay Diamond Card Privileges （優惠值未列明）

—Value not stated

Lifestyleother

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The product page links to more details, but those details are not in the retained sources. Exclusive to CITICdiamond customers. Terms and conditions apply.

Open source offer ↗

One-Time Password Online Transaction Security Service （優惠值未列明）

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
The service applies to UnionPay cards issued by the Bank. The Bank sends an OTP by SMS to the mobile number registered to the card account. It is free of charge and requires no registration. It applies to online transactions at participating merchants when OTP verification is required.

Maximum HKD500 Liability for Qualifying Unauthorized Card Loss

Up to500HKD

Other

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Cash advance transactions are excluded. The cap applies if the cardmember has not acted fraudulently or with gross negligence and has not failed to notify the Bank as soon as reasonably practicable.

UnionPay Chargeback Protection （優惠值未列明）

—Value not stated

Conditions applyLifestyle

Eligibility: Audience: all · Document: Application for Disputed Credit Card Transaction Investigation form and supporting documents, such as a sales slip, receipt or invoice.
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Application or registration is required.
For UnionPay failed-delivery disputes, submit within 150 days of the original transaction date for local and international transactions. For local transactions where goods or services cannot be delivered due to liquidation, bankruptcy or other foreseen circumstances, submit within 360 days. Submit the Bank's investigation form for each dispute within 60 days of the statement date. An investigation usually takes 2 to 3 months. The form states that no fee is charged for an investigation request.